General Insurance Premium by Segment and Sales Channel
Industry-wide totals from IRDAI's published Handbook — not broken down by individual insurer. Gross direct premium (₹ crore) for the period ending 2025-03-31, by insurance segment and sales channel.
| Segment | Individual Agents | Corporate Agents - Banks | Corporate Agents - Others | Brokers | Referral Arrangements | Direct Business | Micro Insurance Agents | Others | Total |
|---|---|---|---|---|---|---|---|---|---|
| Fire | 3,562.02 | 2,388.41 | 376.16 | 12,418.21 | 0 | 5,493.55 | 1.98 | 22.78 | 24,263.11 |
| Marine (Cargo) | 1,029.2 | 13.1 | 7.29 | 2,156.88 | 0 | 727.92 | 0.19 | 5.67 | 3,940.25 |
| Marine (Hull) | 44.62 | 0.09 | 0.49 | 580.52 | 0 | 897.18 | 0.01 | 40.8 | 1,563.71 |
| Aviation | 6.2 | 0.1 | 1.39 | 470.42 | 0 | 619.72 | 0 | 0 | 1,097.82 |
| Engineering | 1,113.63 | 34.31 | 15.96 | 3,263.93 | 0 | 1,583.13 | 0.43 | 6.14 | 6,017.54 |
| Motor Own Damage | 8,619.77 | 784.33 | 2,423.96 | 23,202.1 | 0 | 1,194.67 | 1.16 | 3,909.21 | 40,135.21 |
| Motor Third Party | 20,185.88 | 820.24 | 3,455.89 | 25,849.68 | 0 | 2,035.36 | 1.57 | 6,609.61 | 58,958.24 |
| Liability Insurance | 908.41 | 29.94 | 25.15 | 3,528.19 | 0 | 842.12 | 0.18 | 7.08 | 5,341.06 |
| Crop Insurance | 0.06 | 663.41 | 109.7 | 1,829.16 | 0 | 17,915.3 | 10.94 | 9,562.4 | 30,090.97 |
| Credit Insurance | 35.21 | 0.03 | 0 | 880.97 | 0 | 1,217.65 | 0 | 0 | 2,133.86 |
| Miscellaneous | 1,568.88 | 989.11 | 388.67 | 2,627 | 0 | 1,063.11 | 0.34 | 39.02 | 6,676.12 |
| Grand Total | 37,073.88 | 5,723.07 | 6,804.66 | 76,807.06 | 0 | 33,589.7 | 16.81 | 20,202.72 | 1.80 L |
All figures ₹ crore, gross direct premium.
Source: IRDAI Handbook on Indian Insurance Statistics 2024-25, Table 103. Industry-wide totals — not broken down by individual insurer.All industry trends →