Fire Incurred Claims Ratio in Indian Insurance

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Definition

Segment-level net incurred claims ratio for Fire, from IRDAI Form NL-20's own segmental analytical-ratios table (not the company-wide NL-20 figure).

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 Incurred Claims Ratio (%)	Period
1	Universal Sompo General Insurance	-241.8	Q1 FY26-27
2	Zuno General Insurance	-46.0	Q1 FY26-27
3	Navi General Insurance	1.0	Q1 FY26-27
4	Magma General Insurance	16.1	Q1 FY26-27
5	New India Assurance	31.7	Q1 FY26-27
6	Zurich Kotak General Insurance	42.0	Q1 FY26-27
7	Acko General Insurance	47.7	Q1 FY26-27
8	Bajaj Allianz General Insurance	48.9	Q1 FY26-27
9	Liberty General Insurance	56.0	Q1 FY26-27
10	Raheja QBE General Insurance	57.0	Q1 FY26-27
11	Shriram General Insurance	58.6	Q1 FY26-27
12	Tata AIG General Insurance	60.0	Q1 FY26-27
13	Royal Sundaram General Insurance	65.2	Q1 FY26-27
14	SBI General Insurance	75.2	Q1 FY26-27
15	National Insurance Company	77.0	Q1 FY26-27
16	IFFCO Tokio General Insurance	82.5	Q1 FY26-27
17	Digit General Insurance	83.0	Q1 FY26-27
18	Chola MS General Insurance	84.2	Q1 FY26-27
19	HDFC ERGO General Insurance	95.5	Q1 FY26-27
20	Oriental Insurance Company	95.6	Q1 FY26-27
21	Kshema General Insurance	97.4	Q1 FY26-27
22	Reliance General Insurance	102.0	Q1 FY26-27
23	United India Insurance	107.6	Q4 FY25-26
24	ICICI Lombard General Insurance	118.0	Q1 FY26-27
25	Generali Central Insurance (formerly Future Generali)	137.0	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