Marine Cargo Combined Ratio in Indian Insurance

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Definition

Segment-level combined ratio for Marine Cargo, 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	Marine Cargo Combined Ratio (%)	Period
1	Digit General Insurance	-56.8	Q1 FY26-27
2	Raheja QBE General Insurance	0.0	Q1 FY26-27
3	Oriental Insurance Company	83.6	Q1 FY26-27
4	Chola MS General Insurance	100.0	Q1 FY26-27
5	United India Insurance	108.4	Q4 FY25-26
6	ICICI Lombard General Insurance	109.3	Q1 FY26-27
7	IFFCO Tokio General Insurance	111.4	Q1 FY26-27
8	New India Assurance	120.2	Q1 FY26-27
9	HDFC ERGO General Insurance	122.0	Q1 FY26-27
10	Bajaj Allianz General Insurance	123.4	Q1 FY26-27
11	Royal Sundaram General Insurance	125.3	Q1 FY26-27
12	Liberty General Insurance	127.0	Q1 FY26-27
13	National Insurance Company	136.8	Q1 FY26-27
14	Universal Sompo General Insurance	143.2	Q1 FY26-27
15	Tata AIG General Insurance	147.0	Q1 FY26-27
16	Reliance General Insurance	160.4	Q1 FY26-27
17	Generali Central Insurance (formerly Future Generali)	193.0	Q1 FY26-27
18	SBI General Insurance	196.8	Q1 FY26-27
19	Zurich Kotak General Insurance	198.0	Q1 FY26-27
20	Shriram General Insurance	208.4	Q1 FY26-27
21	Magma General Insurance	236.6	Q1 FY26-27
22	Zuno General Insurance	936.0	Q1 FY26-27

Source: IRDAI public disclosures (NL-20). Click an insurer name for full provenance and historical data.
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