Fire Combined Ratio in Indian Insurance

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Definition

Segment-level combined ratio for Fire, from IRDAI Form NL-20's own segmental analytical-ratios table (not the company-wide NL-20 figure). Below 100% = underwriting profitability for this segment specifically.

Note: IRDAI Form NL-20 (Analytical Ratios Schedule), segmental breakdown page, 'Current Period' row for this segment.

Source form: NL-20 ·Source documents

Lowest to Highest

Latest available value per insurer (periods range from Q4 FY25-26 – Q1 FY26-27 — see the Period column for each insurer's actual reporting date)

#	Insurer	Fire Combined Ratio (%)	Period
1	Universal Sompo General Insurance	-286.4	Q1 FY26-27
2	Zuno General Insurance	-38.0	Q1 FY26-27
3	Bajaj Allianz General Insurance	5.3	Q1 FY26-27
4	Navi General Insurance	8.0	Q1 FY26-27
5	HDFC ERGO General Insurance	19.1	Q1 FY26-27
6	New India Assurance	48.9	Q1 FY26-27
7	Acko General Insurance	54.9	Q1 FY26-27
8	Digit General Insurance	56.8	Q1 FY26-27
9	IFFCO Tokio General Insurance	74.5	Q1 FY26-27
10	Tata AIG General Insurance	79.0	Q1 FY26-27
11	Magma General Insurance	79.3	Q1 FY26-27
12	Zurich Kotak General Insurance	80.0	Q1 FY26-27
13	Chola MS General Insurance	80.9	Q1 FY26-27
14	Liberty General Insurance	97.0	Q1 FY26-27
15	Kshema General Insurance	97.4	Q1 FY26-27
16	Reliance General Insurance	105.3	Q1 FY26-27
17	Royal Sundaram General Insurance	110.0	Q1 FY26-27
18	National Insurance Company	117.0	Q1 FY26-27
19	ICICI Lombard General Insurance	120.5	Q1 FY26-27
20	Oriental Insurance Company	145.6	Q1 FY26-27
21	Shriram General Insurance	150.7	Q1 FY26-27
22	United India Insurance	176.5	Q4 FY25-26
23	Generali Central Insurance (formerly Future Generali)	186.0	Q1 FY26-27
24	SBI General Insurance	276.7	Q1 FY26-27
25	Raheja QBE General Insurance	379.0	Q1 FY26-27

Source: IRDAI public disclosures (NL-20). Click an insurer name for full provenance and historical data.
Machine-readable: this metric as JSON · all facts as CSV