Factuary

Motor Od Combined Ratio in Indian Insurance

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Definition

Segment-level combined ratio for Motor OD, 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 Q1 FY25-26 – Q1 FY26-27 — see the Period column for each insurer's actual reporting date)

#InsurerMotor Od Combined Ratio (%)Period
1Navi General Insurance-692.0Q1 FY26-27
2Niva Bupa Health Insurance0.0Q1 FY25-26
3ICICI Lombard General Insurance118.1Q1 FY26-27
4Bajaj Allianz General Insurance122.4Q1 FY26-27
5IFFCO Tokio General Insurance130.3Q1 FY26-27
6Generali Central Insurance (formerly Future Generali)132.0Q1 FY26-27
7Royal Sundaram General Insurance132.7Q1 FY26-27
8Zuno General Insurance133.0Q1 FY26-27
9Shriram General Insurance134.8Q1 FY26-27
10Liberty General Insurance135.0Q1 FY26-27
11Digit General Insurance135.5Q1 FY26-27
12Tata AIG General Insurance138.0Q1 FY26-27
13National Insurance Company141.0Q1 FY26-27
14New India Assurance141.1Q1 FY26-27
15Chola MS General Insurance141.2Q1 FY26-27
16Reliance General Insurance141.2Q1 FY26-27
17Oriental Insurance Company141.4Q1 FY26-27
18Raheja QBE General Insurance143.0Q1 FY26-27
19United India Insurance143.8Q4 FY25-26
20Zurich Kotak General Insurance147.0Q1 FY26-27
21Universal Sompo General Insurance149.2Q1 FY26-27
22SBI General Insurance149.6Q1 FY26-27
23Magma General Insurance152.6Q1 FY26-27
24Acko General Insurance164.0Q1 FY26-27
25HDFC ERGO General Insurance220.8Q1 FY26-27
26Kshema General Insurance310.9Q1 FY26-27

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