{ "insurer": { "id": "cholamandalam-ms-general", "slug": "cholamandalam-ms-general", "name": "Cholamandalam MS General Insurance", "seo_name": "Chola MS General Insurance", "type": "general", "irdai_registration_number": "123", "registration_status": "active", "headquarters": "Chennai", "website": "https://www.cholainsurance.com", "disclosure_url": "https://www.cholainsurance.com/public-disclosure" }, "facts": [ { "id": "037f55eb-3e2d-46d0-bbae-8e186a7218d3", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 138.68, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "05f478dd-2209-4342-a297-7cab2b34aeb5", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 66.45, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "0a3a5838-8ca4-42a3-ac98-ebe22a60d478", "metric_id": "financial.gross_direct_premium.segment.aviation", "metric_name": "aviation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=185,992 vs Grand Total=185992.0)", "source_page": 9 } }, { "id": "0ba90784-c482-4f6c-8b14-fd4ae252e694", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 103.59, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "0f0e3b6b-4d11-46d9-853f-da5a0db72f80", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 122.31, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "10bc90a6-cd1a-4c92-bea5-eaa5245b5596", "metric_id": "distribution.general.channel.misp_direct.policies", "metric_name": "MISP (Direct) policies", "value": 29694, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "120bfdec-721e-4613-9d91-55723a108c29", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 7194, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=185,992 vs Grand Total=185992.0)", "source_page": 9 } }, { "id": "126c1b65-dac7-40a5-abad-7d8b7eb3bf62", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 997, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=185,992 vs Grand Total=185992.0)", "source_page": 9 } }, { "id": "1a8138ce-d658-41e2-8e67-8a374086d009", "metric_id": "financial.investment_yield.net.quarterly", "metric_name": "net yield (quarterly)", "value": 5.38, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q1 FY26-27", "source_document": "Public Disclosure for Q1 FY 2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1 (manual)", "last_verified": "2026-10-26", "extraction_note": "NL-31 TOTAL row, Current Quarter Net Yield column. Pulled directly from insurer own filing -- vendor file had no total row for this insurer this period.", "source_page": null } }, { "id": "215a16b5-9f5d-48f5-9aa5-c90926ecb26c", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 19.45, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "22ff2071-6c3f-45af-a623-5c7e86c54186", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 36.13, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "2026-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "23a877fd-9f29-424c-8a99-cd815c9338cd", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 17032, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "2d59a9c4-991d-4030-b5e6-671c58255038", "metric_id": "financial.investment_mix.segment.real_estate_subsidiaries", "metric_name": "real estate & subsidiaries", "value": 3033, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "2e3fde96-ad12-40d4-9ad2-e55968ed447f", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 4.26, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "328005dc-0111-49fc-bafb-5d86e6b72be6", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 120.4, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "3536397f-3d3d-4060-a56c-36bd1644827a", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 54, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "3595b03b-f794-4abe-bcc9-63dda3c24e95", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 6.07, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "379aace8-510f-4c3c-9b34-40b22f4e1ef7", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 57997, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=185,992 vs Grand Total=185992.0)", "source_page": 9 } }, { "id": "37a81fd3-b86c-4f27-afb7-ad03e3f40440", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 112.4, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "3adf653c-46da-4a54-8ed8-039e3d6afb36", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 575389, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "3e628093-bb12-4210-a3a0-a2ca88324df1", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 116.57, "unit": "crore", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q1 FY26-27", "source_document": "Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "3f5d8f8f-0950-4acd-ad5b-ed56015959db", "metric_id": "financial.return_on_net_worth", "metric_name": "return on net worth", "value": 2.52, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "2026-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: return_on_networth", "source_page": null } }, { "id": "3fe2ea23-9a92-4af9-b5cc-e97aace1ff8e", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 343228, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY26-27", "source_document": "Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "41330950-566a-4dd4-9b51-55316cd0c3e3", "metric_id": "financial.interest_service_coverage_ratio", "metric_name": "interest service coverage ratio", "value": 56.25, "unit": "ratio", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "2026-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: interest_service_coverage", "source_page": null } }, { "id": "48017ac6-9fcd-4ad2-bda6-4d54e0aee017", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 32.53, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "4a0186a3-c3bf-487d-b06c-0168814412d8", "metric_id": "distribution.general.channel.misp_direct.premium", "metric_name": "MISP (Direct) premium", "value": 401, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "4bf2ff67-bce1-417a-b729-c5c2286517cc", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 1434, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=185,992 vs Grand Total=185992.0)", "source_page": 9 } }, { "id": "58ff8bad-13ef-4462-9761-14df2ec15a66", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.98, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "602eb5ad-e543-4da4-9c13-efb6b7cb2dbd", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": -20.02, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "617bffad-6c8e-4af0-949d-615e2822fab4", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 6823, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "62729541-fe85-4cc2-9898-5712049fc2a7", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 84.41, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "6283a83f-fd8b-4eda-830c-683d1f809fb0", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 34.82, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "2026-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "62af844c-1e57-42ed-97a2-8e42ab00a781", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 127301, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "69ab3a44-93a2-483e-b4ff-4bb111cb1343", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 2.58, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "69f3a5e0-9436-4f54-9b24-fe0df205989a", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 33, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=185,992 vs Grand Total=185992.0)", "source_page": 9 } }, { "id": "6c683ae8-15da-48b7-bea3-b9e1ec4aae9d", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 86, "unit": "crore", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q1 FY26-27", "source_document": "Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "7077f7e8-9640-4ce7-900c-c443102bf0ff", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 103.77, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "71268bf4-18da-4302-949c-e2cdb3677375", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 2.63, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "71351ebb-62b3-4ee4-b7e4-270588495e83", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 164.13, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "74c683ca-2c7d-43b5-8470-64527435f9ce", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.93, "unit": "x", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY26-27", "source_document": "Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "7528cfb9-656f-40dd-9510-872524f6baf2", "metric_id": "financial.debt_service_coverage_ratio", "metric_name": "debt service coverage ratio", "value": 56.25, "unit": "ratio", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "2026-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: dscr", "source_page": null } }, { "id": "773e6117-5715-4fac-9e57-c10b51f85923", "metric_id": "financial.combined_ratio.segment.aviation", "metric_name": "aviation combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "782d9bff-6e41-4a4b-b018-9adb2efe269f", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 6509, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=185,992 vs Grand Total=185992.0)", "source_page": 9 } }, { "id": "7a15f1f2-0e4e-4601-abc1-620fdd64f0aa", "metric_id": "financial.technical_reserves_to_premium_ratio", "metric_name": "technical reserves to premium ratio", "value": 9.85, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "2026-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "id": "7a6f1853-2afd-490d-b74a-2b69fadfffc8", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -15, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "7cc84890-cd99-4322-9b5d-9038f1634768", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 18866, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=185,992 vs Grand Total=185992.0)", "source_page": 9 } }, { "id": "7dbd6fd2-1033-4874-8227-230ac4a0a192", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 106.09, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "81aab6a8-075f-444b-a027-75273c9c5673", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 99.99, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "823b3723-8088-444e-a1ef-b961056ae567", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 27.99, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "8c6437ce-c81f-4750-b1a1-8017075be952", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 75.03, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "9434a88a-1e2a-4f73-a894-7331861af65a", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 69712, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "94b16e05-a8d8-479f-ada8-4123295fded8", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 25.39, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "9518862b-60e7-4062-82c8-82f4e5a2df97", "metric_id": "financial.liquid_assets_to_liabilities_ratio", "metric_name": "liquid assets to liabilities ratio", "value": 0.17, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "2026-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: liquid_assets_ratio", "source_page": null } }, { "id": "97f35eb8-3010-434b-b689-956255545672", "metric_id": "financial.incurred_claim_ratio.segment.aviation", "metric_name": "aviation incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "9b9618a6-dc53-46ce-b578-300cd66616d7", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 141.15, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "9f4fda01-f19a-44ed-b084-3b925e4143bd", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 396, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=185,992 vs Grand Total=185992.0)", "source_page": 9 } }, { "id": "a2688d98-be29-4eaf-9f2c-7e4d7565a924", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 4, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=185,992 vs Grand Total=185992.0)", "source_page": 9 } }, { "id": "a2ba1e7d-0d38-4c0b-8e99-b35254d2e822", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 2891, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=185,992 vs Grand Total=185992.0)", "source_page": 9 } }, { "id": "a53fbb86-b0c7-4185-a5f4-6e84e225e79d", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 733841, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "a6d8a0fd-d27d-496f-b348-1282d8b1ed6e", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 38.66, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "a83cfbcd-c7f0-4cd8-a578-11f4dd1473f4", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 370101, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "a95a8c9f-33ea-4cb9-a816-c69e28534828", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 178009, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY26-27", "source_document": "Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "aa065787-dea4-4a8b-b878-252f9d90f4fe", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 85.58, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "abf5915f-a15a-4e22-b807-47d12fd7de05", "metric_id": "financial.debt_equity_ratio", "metric_name": "debt to equity ratio", "value": 0.03, "unit": "ratio", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: debt_equity_ratio", "source_page": null } }, { "id": "ac4cfdbb-671b-4402-9972-7ff414b9596b", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 19083, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=185,992 vs Grand Total=185992.0)", "source_page": 9 } }, { "id": "ac7c4894-a672-48b4-afea-33f3470a4917", "metric_id": "financial.claims_paid_to_provisioned_ratio", "metric_name": "claims paid to provisioned ratio", "value": 7.18, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "2026-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: claims_paid_provisioned", "source_page": null } }, { "id": "af57637e-24cb-4bb6-8c8c-402ab650ad4e", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 370358, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "b0befe29-7265-4302-92aa-ae9fae5e0c53", "metric_id": "distribution.general.channel.common_service_centres.premium", "metric_name": "Common Service Centres (CSC) premium", "value": 869, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "b2c1a7d2-47c3-43ae-ae86-7fc41218c6e1", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "b461471b-07c9-45a6-bd7f-2eab586ae229", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 22203, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "b666f88a-0a50-4c98-8813-2fe7363e57bd", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 69798, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=185,992 vs Grand Total=185992.0)", "source_page": 9 } }, { "id": "b72ebb1f-8c8d-404c-9859-038f437f2bac", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 35216, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "b93950dd-53c3-46ba-bd6f-d7074bed65ae", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 80.94, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "b93c03e3-401a-4e6a-abde-519f88276e09", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 77.26, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "b9c7cec5-08a3-47b9-afac-be48f9f46e1d", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 19.87, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "ba91a07a-2623-4c20-bb7f-3beef16438a5", "metric_id": "distribution.general.channel.common_service_centres.policies", "metric_name": "Common Service Centres (CSC) policies", "value": 21063, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "bac2f9a7-ece6-4d48-a82a-9204c5029b14", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 7.09, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "bb4ab511-f9c2-4c61-b7c4-e6c2dc28b897", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 167481, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "bdebe1f4-d0e2-4c6a-ad5a-e700d4956b0e", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 22600, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "c41c6efa-324a-4495-9300-64523e6b93b5", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 669428, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "c86795c3-c50e-41e4-a28b-f9dbbd75f22c", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": 96.75, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "cce2ca69-7abf-4f01-a87d-eaf4bd573c30", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 89864, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d369362e-f8c6-4122-8548-3737f32ce502", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 1859.91, "unit": "crore", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-35-QUARTERLY-BUSINESS-RETURNS", "reporting_period": "Q1 FY26-27", "source_document": "Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-35 Grand Total YTD premium", "source_page": null } }, { "id": "d39b3c19-00ab-4f82-8657-3e49058364be", "metric_id": "financial.investment_yield.gross.quarterly", "metric_name": "gross yield (quarterly)", "value": 7.19, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q1 FY26-27", "source_document": "Public Disclosure for Q1 FY 2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1 (manual)", "last_verified": "2026-10-26", "extraction_note": "NL-31 TOTAL row, Current Quarter Gross Yield column. Pulled directly from insurer own filing -- vendor file had no total row for this insurer this period.", "source_page": null } }, { "id": "df4987cd-ff1b-4fbf-abb0-311c918ecfc8", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 345097, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "e2f1552f-4136-469a-bec6-d30b7dc816b9", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 125.35, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "e58e7d16-2c88-49ae-8f23-f6f1dd8633b0", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 114.3, "unit": "INR", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "e9498f24-dada-4587-b776-5e9e6e399ade", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 86.27, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "eb8133e0-7105-4717-89ca-a54244799c16", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 22.35, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "ed5d3812-b9d0-4757-a7b4-145e30df6898", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 790, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=185,992 vs Grand Total=185992.0)", "source_page": 9 } }, { "id": "ed6ea4a5-8f51-4c8d-b0bb-28d6f304188c", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 84.17, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "f18b1cab-a0e0-4766-9356-cf517a5f475e", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "f9f5f3c6-6ef8-4955-b68d-294f388e0047", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 2.88, "unit": "INR", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Public_Disclosure_for_Q1_FY_2026-27.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "01ee5e22-cfc0-454a-a50c-e7add6508426", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 3.93, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "09bf9ecd-708e-4840-aa73-e53c3ed11b87", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 99.25, "unit": "crore", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "0c3e412e-7406-46b5-8201-a0a73f83027d", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 136.28, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "0ce2133c-7e62-4b76-9d90-2009cc7e4beb", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 302, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=204,809 vs Grand Total=204809.0)", "source_page": 9 } }, { "id": "0d725433-cf6e-4d6e-afe8-ace680002d72", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 34.75, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "13267b71-0b79-4456-9363-ff1078c2e7ce", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 6821, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=204,809 vs Grand Total=204809.0)", "source_page": 9 } }, { "id": "13f5e795-7f05-4b72-b56f-1d73235595f3", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 2.45, "unit": "INR", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "15f0a2f9-4387-4297-9ab8-91433c421cfd", "metric_id": "financial.technical_reserves_to_premium_ratio", "metric_name": "technical reserves to premium ratio", "value": 7.63, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "2026-03-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "id": "22c8ae59-dcc0-4dc0-9242-1df2e6da9ec1", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 578920, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "25fb33fb-7605-4cc8-8ed8-1f68f1e1106d", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 0.93, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "268e1831-e546-43a0-b8c9-11f6d8e564f3", "metric_id": "financial.investment_mix.segment.real_estate_subsidiaries", "metric_name": "real estate & subsidiaries", "value": 3033, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "30e41531-c0c1-44bb-bfed-8bb568cc121e", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 3511, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=204,809 vs Grand Total=204809.0)", "source_page": 9 } }, { "id": "325ded05-d976-49b8-9938-7c3eee4fcc58", "metric_id": "financial.debt_equity_ratio", "metric_name": "debt to equity ratio", "value": 0.03, "unit": "ratio", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: debt_equity_ratio", "source_page": null } }, { "id": "3665f2e8-5c64-4177-9f31-e47322a9b418", "metric_id": "financial.claims_paid_to_provisioned_ratio", "metric_name": "claims paid to provisioned ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "2026-03-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: claims_paid_provisioned", "source_page": null } }, { "id": "3d6c81ec-a628-402b-ad31-c225242f1401", "metric_id": "financial.combined_ratio.segment.aviation", "metric_name": "aviation combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 8", "source_page": null } }, { "id": "43e3d40c-3473-440a-bf89-3863f4bffca8", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 97.47, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "4411ccf6-5ba9-4c8a-8637-edef349a7d20", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 22346, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "449a2e83-60d5-4b17-aee5-3a7f58707040", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 78.39, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "46a5d39b-c151-4867-87d8-9dcd25ac214c", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 169814, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "4834d2fc-02b2-44c1-bac0-948aa0f917fe", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 437274, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "4ae99e59-41a8-4833-b127-bb1be2ba2e59", "metric_id": "financial.interest_service_coverage_ratio", "metric_name": "interest service coverage ratio", "value": 48.49, "unit": "ratio", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "2026-03-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: interest_service_coverage", "source_page": null } }, { "id": "4bf0ec6a-1f82-4444-a94d-a70b5d43c163", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 81.33, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "5194ad6c-00ca-40ba-9ec8-cf2592839044", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 22.45, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "51e59c26-ccd8-462a-bc8e-eceacfe4db12", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.96, "unit": "x", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "520ca002-16f6-44e8-8be7-9ec81e83d9b3", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 84.13, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "5b4578e7-00d5-4313-a872-c18207f46275", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": -66.06, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "5e16e941-5713-4c92-a0a5-49dc6f12c6ce", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 645, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=204,809 vs Grand Total=204809.0)", "source_page": 9 } }, { "id": "5e2a6c0b-09c0-4641-9ee1-003cf75b7948", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 13, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=204,809 vs Grand Total=204809.0)", "source_page": 9 } }, { "id": "5ea3cbf0-346a-4910-84f0-7017b51f5c78", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 1267, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=204,809 vs Grand Total=204809.0)", "source_page": 9 } }, { "id": "62fe57c1-dca8-4dcb-827a-fa35dbfad404", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 40467, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "654a3cf9-61d7-49b9-8a3c-c77b9aaabc3d", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 79.39, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "662f88b8-c82e-49d1-8b4b-3a67fb576050", "metric_id": "financial.liquid_assets_to_liabilities_ratio", "metric_name": "liquid assets to liabilities ratio", "value": 0.17, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "2026-03-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: liquid_assets_ratio", "source_page": null } }, { "id": "666b681f-daf0-43ab-b122-e87f29de6372", "metric_id": "financial.debt_service_coverage_ratio", "metric_name": "debt service coverage ratio", "value": 48.49, "unit": "ratio", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "2026-03-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: dscr", "source_page": null } }, { "id": "670a9753-0574-4cc8-80c4-0c03511e0186", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=204,809 vs Grand Total=204809.0)", "source_page": 9 } }, { "id": "67a382e2-003c-4b5a-98b8-eed595dda2dc", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 1010, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=204,809 vs Grand Total=204809.0)", "source_page": 9 } }, { "id": "6a3e24a3-7727-41f1-a92a-484bf1af7638", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 17857, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=204,809 vs Grand Total=204809.0)", "source_page": 9 } }, { "id": "6a77476d-da9b-431b-963c-624725747a01", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 107.38, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "6acfb8e3-19d6-4078-9aba-b9e31169411e", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 62, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "6bfb049c-b614-407c-8485-4e055614d840", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 21.43, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "6ec025f3-19af-4bfe-ab27-e964f7fa690e", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 118.23, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "6fb3051a-3426-4a45-b368-47b4af348291", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 22.4, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "723fd126-93a3-4d1d-875a-cd97dd37601e", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": 0.48, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "72574497-065b-4f64-a26b-0d3b56eb9900", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 27993, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "73cae839-3429-406c-8360-8afb54cd7e30", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 97.84, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "771047fb-cb32-4488-9446-9a2dce3e465b", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 1236030, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "7f2a0299-9279-4948-9e54-185e60fc38ae", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 112.76, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "7f4ee046-72ee-4ba8-ae3b-c4cd1b2888e8", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 31.43, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "828269e1-7787-4778-acc4-17aa2fed6f40", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": -24.97, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 8", "source_page": null } }, { "id": "85f560a5-1399-4f4d-b39f-05ba071dc031", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 122.32, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "86353c31-05e0-4f3d-82bc-bfb01d56ad94", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": 2.29, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 6", "source_page": null } }, { "id": "902c8884-59c1-4c78-a62b-ca3613ca6572", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 22.98, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "9287f610-7639-4b27-8c49-18def8358fd2", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 32912, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "98509f2c-8594-487a-aa49-015d6a0cb5aa", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 34.47, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "9ae54dba-2155-488f-94f3-4166d68e300d", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": -1610.97, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8", "source_page": null } }, { "id": "9d176b47-3487-4778-956d-36430f560dd1", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 332959, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "9d8c9ec1-98fe-4db6-8124-b86e7ac393e3", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 95191, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "9d952e30-ed54-4f9f-af59-50701fb2a10a", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 57.67, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "9feebd2b-9791-4a48-8308-68ba936077c9", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 11.03, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "a04d8fec-4a99-4147-8ba1-a171607fa941", "metric_id": "financial.investment_yield.gross.annualized", "metric_name": "gross yield (annualized)", "value": 7.7, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "a14c2133-0abd-4fb4-acdb-391cf8d3241f", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 142590, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "a710baec-b334-474d-8b08-0d6f5b454fd1", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 96.31, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "a7ab0a6d-45ac-4ea7-9ca1-a02b8092d931", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 128.2, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "a8ed7534-26a9-42c8-8823-95e43acb3118", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 152711, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "aab05022-2037-482e-9d15-53ff809507d7", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 7545, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "ab00aa1c-58e1-476f-bafe-bc551c1f52d7", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 34.33, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "abe06018-c5e0-4623-8b1f-506912f00e2d", "metric_id": "financial.return_on_net_worth", "metric_name": "return on net worth", "value": 2.2, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "2026-03-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: return_on_networth", "source_page": null } }, { "id": "acf0ab83-34db-447c-a921-bb0c779c9701", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 92.84, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 6", "source_page": null } }, { "id": "b4dcb2f7-9e94-465c-b282-1a6cb631bd37", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 654002, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "b818814c-ccf4-4c98-b17e-74c597d5ee51", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 100.55, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "b8fb4d57-d741-46d3-b627-435d8bf20390", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.95, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "c526195c-ba53-4c4f-a13a-2b8feb8a3191", "metric_id": "distribution.general.channel.common_service_centres.premium", "metric_name": "Common Service Centres (CSC) premium", "value": 1191, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "c972c5f7-1137-4d5f-a9fd-9d85506c4813", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 112.82, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "ca67cb79-509a-42d3-ae20-f41ede7d7387", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 467391, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "cc1060f4-18e8-4c4a-978e-2430a977be77", "metric_id": "financial.investment_yield.net.annualized", "metric_name": "net yield (annualized)", "value": 5.76, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d2227c42-606b-4a65-a54d-b7a79a86815a", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 73.34, "unit": "crore", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "d78ac92e-da81-4779-a3a2-597d44502509", "metric_id": "financial.incurred_claim_ratio.segment.aviation", "metric_name": "aviation incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 6", "source_page": null } }, { "id": "d966bd16-1570-4e7b-afc6-f3f46037ad7d", "metric_id": "distribution.general.channel.misp_direct.premium", "metric_name": "MISP (Direct) premium", "value": 473, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "daf27b0e-73c8-4a40-a36d-335b37d6bdf4", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 7762.06, "unit": "crore", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-35-QUARTERLY-BUSINESS-RETURNS", "reporting_period": "Q4 FY25-26", "source_document": "2026-03-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-35 Grand Total YTD premium", "source_page": null } }, { "id": "ddd44066-2464-4ba8-a7a5-2decf872e70c", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 111.43, "unit": "INR", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "e0802c1a-9f5a-4672-836b-32226e591217", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -15, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "e7d6bc74-5788-47e1-b35b-999c6dd03f94", "metric_id": "distribution.general.channel.misp_direct.policies", "metric_name": "MISP (Direct) policies", "value": 51440, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "e86fd379-7e0e-4e93-8eaa-f074d60fc611", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 102801, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "e90babfa-238f-42d8-84ee-516b272092ac", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 772128, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "ee0db40e-4c99-478c-89de-9a82b2d925b5", "metric_id": "distribution.general.channel.common_service_centres.policies", "metric_name": "Common Service Centres (CSC) policies", "value": 56915, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "eeff63ad-35cc-425a-be35-d53200cc38aa", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 89.94, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "f15498f3-98c6-4a40-ac79-1dabdcb45f75", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 91306, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=204,809 vs Grand Total=204809.0)", "source_page": 9 } }, { "id": "f3ece2cf-d66d-46ef-977f-9fe00f74dfdf", "metric_id": "financial.gross_direct_premium.segment.aviation", "metric_name": "aviation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=204,809 vs Grand Total=204809.0)", "source_page": 9 } }, { "id": "f4880165-854c-41df-a104-4f678db9295d", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 66994, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=204,809 vs Grand Total=204809.0)", "source_page": 9 } }, { "id": "f80b4801-9013-4e7d-a137-70712855c96c", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 3.33, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "f8f0ab77-77cf-4d6f-9ba9-abab0bb278d3", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 14966, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=204,809 vs Grand Total=204809.0)", "source_page": 9 } }, { "id": "ff4cfbd1-43f0-4ca8-bff1-7b3a0a0d5360", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 117, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q4_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=204,809 vs Grand Total=204809.0)", "source_page": 9 } }, { "id": "00a1c9bb-0cf2-47de-959c-8b524b091c39", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 99.12, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "00dc4254-8083-415f-b78b-c0b50b049d36", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 3.49, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "066e57f6-c352-4911-94ab-690f9f6d9d9d", "metric_id": "distribution.general.channel.misp_direct.premium", "metric_name": "MISP (Direct) premium", "value": 864, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "07a2f86e-e9e4-40b5-945a-1146f42c68c0", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 137.89, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "0aac3831-0ebc-4cc7-8470-d48fd4dd9735", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.93, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "0b9c29f0-cdc9-44d8-a4b0-cf7450a03829", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 34.95, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "2025-12-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "0e9a1483-f631-4a9a-bfc3-86083264562b", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 12400, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=206,655 vs Grand Total=206655.0)", "source_page": 9 } }, { "id": "0f4214ec-c6c4-499b-b0ed-c07b6fcfec1a", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 0.28, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "0f7b317a-254e-4b08-a909-5043846f6fd5", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 59.45, "unit": "crore", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "1097b1f0-ffd3-4a78-94f3-819aa8be4a50", "metric_id": "financial.interest_service_coverage_ratio", "metric_name": "interest service coverage ratio", "value": 38.23, "unit": "ratio", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "2025-12-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: interest_service_coverage", "source_page": null } }, { "id": "17315d02-a915-455f-88b1-2bc14697894b", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 72534, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=206,655 vs Grand Total=206655.0)", "source_page": 9 } }, { "id": "20be1033-7c0e-45a7-9a86-669628572489", "metric_id": "financial.investment_mix.segment.real_estate_subsidiaries", "metric_name": "real estate & subsidiaries", "value": 2958, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "2f067392-7af9-4ecb-b61d-8db99cdf794d", "metric_id": "distribution.general.channel.misp_direct.policies", "metric_name": "MISP (Direct) policies", "value": 93686, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "31895b23-9a87-464c-8a72-b91c425c2b72", "metric_id": "financial.gross_direct_premium.segment.aviation", "metric_name": "aviation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=206,655 vs Grand Total=206655.0)", "source_page": 9 } }, { "id": "31a0aba2-e5de-4355-8003-f38580b7bd2f", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 815, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=206,655 vs Grand Total=206655.0)", "source_page": 9 } }, { "id": "32aa271d-85b3-4ad3-be9e-1ffa6e89718e", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 25699, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "3461de42-169f-4ca5-867d-54dc46e876c6", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 159966, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "37d8ea2b-8af2-4c92-a52d-54d660417727", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 326020, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "39e5d7d9-7e79-413e-9025-e5f9cde041cd", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 115886, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "3a6a1cfc-5003-4a8d-afef-d49b75346d52", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 424678, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "3de6b148-dd17-4ba7-bd2a-f4c7dbf84844", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 186, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=206,655 vs Grand Total=206655.0)", "source_page": 9 } }, { "id": "44b51947-fd9e-4659-af83-387079e4dac5", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 138.66, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "49290770-7f0c-4b65-a293-087a171a991e", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 84728, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=206,655 vs Grand Total=206655.0)", "source_page": 9 } }, { "id": "4a0e67f3-06a7-4656-9d83-18133417fe27", "metric_id": "financial.debt_service_coverage_ratio", "metric_name": "debt service coverage ratio", "value": 38.23, "unit": "ratio", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "2025-12-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: dscr", "source_page": null } }, { "id": "518f96d9-af4e-4208-a6f7-1aaf8484e7d5", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 8.58, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "5844569e-28e2-495a-ae5a-beb8920f108a", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": -53.48, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 8", "source_page": null } }, { "id": "59098917-822f-415c-bc9f-ba7c0724887d", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 117.69, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "5aad53d5-6961-4038-911b-e980d280a38b", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 45.94, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "5c6cae26-0df3-42f8-ae1a-15148a2d01df", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 80.5, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "61820be3-3105-4830-8b3d-7735aebdcb63", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 18, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=206,655 vs Grand Total=206655.0)", "source_page": 9 } }, { "id": "63f57ac3-4d31-4564-8a88-580ce88b729d", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 123.74, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "676555f6-7f3e-4bb6-a41a-179ee81959da", "metric_id": "financial.return_on_net_worth", "metric_name": "return on net worth", "value": 1.83, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "2025-12-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: return_on_networth", "source_page": null } }, { "id": "6bab291d-e494-4d60-9b7f-47e2e3864c4d", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": 0.28, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 6", "source_page": null } }, { "id": "6c3601b8-8735-44ca-bce6-8ab2e6a16956", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 79.67, "unit": "crore", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "6f78a2bc-9fc2-4606-af20-14c95f06bd33", "metric_id": "distribution.general.channel.common_service_centres.premium", "metric_name": "Common Service Centres (CSC) premium", "value": 1052, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "76a6e200-a7e6-4e2f-b3aa-0d43cc55b2ba", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 124.73, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "76fddb97-11cb-4b0e-a975-0d433e5ea18a", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 95.26, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "795c8c2c-060b-445d-aead-08e4def5f90e", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=206,655 vs Grand Total=206655.0)", "source_page": 9 } }, { "id": "81bad998-25ab-497b-b0f7-fb1296a942aa", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 108.97, "unit": "INR", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "82f58fd7-3a14-49c5-a8a7-121e7ffa04a5", "metric_id": "financial.incurred_claim_ratio.segment.aviation", "metric_name": "aviation incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 6", "source_page": null } }, { "id": "839b0e79-be85-4ba9-860b-9fa84945634e", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 430980, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "839e0fc5-5f9c-4f83-9856-cd094e20c1c0", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 155, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=206,655 vs Grand Total=206655.0)", "source_page": 9 } }, { "id": "85194b22-9017-4ee2-80c4-8bf2e062c3ca", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 22.8, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "8558d5f5-dd74-4137-90f2-09bdb846a37f", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 101619, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "8abfade6-35ef-4124-b8db-0b2b9101f1ce", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 91054, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "8b6b14ec-7c3d-42ad-952c-d37a5a4661bf", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 1.99, "unit": "INR", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "8c822110-ffa5-4447-8c61-1c50d48c8fbb", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 80.74, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 6", "source_page": null } }, { "id": "8cd10f69-575d-40a2-b233-4592c8c700ea", "metric_id": "financial.claims_paid_to_provisioned_ratio", "metric_name": "claims paid to provisioned ratio", "value": 4.1, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "2025-12-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: claims_paid_provisioned", "source_page": null } }, { "id": "8d8e92a4-7aba-4bc2-8542-84b5185c387c", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 7618, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=206,655 vs Grand Total=206655.0)", "source_page": 9 } }, { "id": "8f026c92-0170-4db5-8195-41780dabf46a", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 41990, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "92215c85-23e3-4b96-b725-53172b7cb55d", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 37.18, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "2025-12-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "94d48341-08db-47b8-b9c0-3c03ccfe140d", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": 27.91, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "98067ffa-4d01-4b73-8299-9580ad3babf9", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 21334, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "9999eed9-ca87-46ee-ad7c-f75460031c42", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 34.2, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "9ca7ad08-6e05-4459-8e91-262bbaa70ea9", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 150087, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "9cd80476-6cf3-49e9-b67a-ec0ae4ed83f8", "metric_id": "financial.combined_ratio.segment.aviation", "metric_name": "aviation combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 8", "source_page": null } }, { "id": "a0a9807f-c720-4618-953e-fd1f8c0a5e16", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 905496, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "a35f8ab6-6b60-4299-8855-aad9a06db4db", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 118.3, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "a4957c0c-8974-4807-8ba3-44a5c4edc7b1", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 78.9, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "a7190282-7152-413d-b419-9cb962ad4cfb", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 72.95, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "a9b05f2e-8b0b-4e58-a836-e2bdae3b1e93", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 24228, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=206,655 vs Grand Total=206655.0)", "source_page": 9 } }, { "id": "b2428edd-4eca-43e5-bf7d-b2d1169d7eb8", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 52.95, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "b4c970cc-cdfa-4f09-817a-e34d747f7def", "metric_id": "financial.liquid_assets_to_liabilities_ratio", "metric_name": "liquid assets to liabilities ratio", "value": 0.09, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "2025-12-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: liquid_assets_ratio", "source_page": null } }, { "id": "b87638dd-aba0-4ee7-a93b-8e99f10ca457", "metric_id": "financial.technical_reserves_to_premium_ratio", "metric_name": "technical reserves to premium ratio", "value": 8.37, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "2025-12-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "id": "b91eb8b7-6194-4299-9c2f-24044ec2ad2c", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 6200, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "bbbdcbf8-ea58-47b8-b7c8-651d59536070", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 107.68, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "bc56746e-aa5a-4b8f-947e-9f8acc48ffe5", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": -94.4, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "bc9fb0b2-5ab8-4b2f-80a9-90d05c51ddb2", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 63, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "bda4faec-9e9f-44b3-9780-358f05a12667", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 34.98, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "be0fa4fe-ac00-4ad2-9a48-2dcf8c6e6824", "metric_id": "financial.debt_equity_ratio", "metric_name": "debt to equity ratio", "value": 0.03, "unit": "ratio", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: debt_equity_ratio", "source_page": null } }, { "id": "c0988bdf-e602-4ba4-aa32-10c0b4a25125", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 83.11, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "c12c1346-654a-4583-9a3e-333cde850d01", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 831, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=206,655 vs Grand Total=206655.0)", "source_page": 9 } }, { "id": "c8a30ca0-32b3-4eb4-ad43-ce844b701e5c", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 69.67, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "ca03b1c6-1ae6-42f5-a47a-96b5deef6cd6", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 2159, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=206,655 vs Grand Total=206655.0)", "source_page": 9 } }, { "id": "cc97bbcb-a6e4-46b0-99d1-fdc56dc1a492", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 23.04, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "ceacb4eb-7e3b-4dfb-8f47-88b5b62eddad", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 25.09, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "d345d164-f9e2-430a-be84-921440b94507", "metric_id": "distribution.general.channel.common_service_centres.policies", "metric_name": "Common Service Centres (CSC) policies", "value": 38748, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d48197e9-9e9b-43b6-83ec-c031d9b8a6ad", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 571062, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d59b97a5-19c6-4d86-87c4-73b862bbd5dc", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 18918, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d88c2f06-f4fe-4686-8a3a-eac4d9bc48fa", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 113.62, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "db7b078b-6587-4863-8cc1-8f98c2640a0a", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 166.5, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "dc03f3be-f463-4b54-812f-03616be6ff58", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 1465267, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "df729325-1837-4c42-96f6-150e82cfe2f8", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -18, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "df91d119-5f45-4e83-8397-ea056be4e706", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 137.07, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "e27ff9f5-41b1-45a5-9abf-23bcbc813aca", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 983, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=206,655 vs Grand Total=206655.0)", "source_page": 9 } }, { "id": "e341e871-7b9b-4573-89fa-40b7345bafb1", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.04, "unit": "x", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "e5ea3f8b-47aa-4100-aed5-a1c56be041e6", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 3.16, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "efd12aa3-75ba-44e1-ae7a-9a291b7396b3", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": -1611.41, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8", "source_page": null } }, { "id": "f32be909-f5a2-4bb4-ac5c-d3e917d2137f", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 79.96, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_for_Q3_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 8", "source_page": null } }, { "id": "f3df0a12-93d3-4392-8d7e-9c1486f06f89", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 654515, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "0612de39-a7de-46bd-bcad-0e3e5a7ad2f5", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 686251, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "0c253253-e513-4096-94d0-a999b23c8847", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 43800, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "0d90ea42-c734-463e-8c7f-c84952b506c7", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 37.33, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "0fed4c46-3cc2-4b95-8487-a3fd93f01ebf", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 17524, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=183,527 vs Grand Total=183527.0)", "source_page": 9 } }, { "id": "1477a5a1-1a24-46bd-a67e-a7b455296afe", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 319988, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY25-26", "source_document": "Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "1fb2c712-ae1a-4045-969d-c44a2695086a", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 94638, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "22e714b7-a8e6-436c-abec-2f36e5b89545", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 417, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=183,527 vs Grand Total=183527.0)", "source_page": 9 } }, { "id": "2536822d-415d-4ab8-9f9a-3887b6da23bb", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 4622, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=183,527 vs Grand Total=183527.0)", "source_page": 9 } }, { "id": "26a249cb-b243-4639-9e3a-e6f48e98d42f", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 5.61, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "26e02476-3912-4ab5-af57-566fc87dae26", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 72.89, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "2f7d4565-5844-4efd-91bc-678cd17bd521", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 67079, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "3352ce59-0765-4451-8277-ef14d416c73e", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 35.06, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "2025-09-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "36d75265-08da-43c3-8ada-c77df242114f", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 121.34, "unit": "crore", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q2 FY25-26", "source_document": "Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "39167b81-e8b4-4bbd-9c8a-68b99b039824", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 106.98, "unit": "INR", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "39df93cd-f03c-41ae-a082-0d1951606b8d", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 1063, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=183,527 vs Grand Total=183527.0)", "source_page": 9 } }, { "id": "3d2f07af-dfa3-48eb-96aa-461fdad7cea3", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 913942, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "3dc3114d-9615-4885-92d3-fc4a8f84c79b", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 6125, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "3eca5d5e-678c-4ce2-9557-5dbab3f363b7", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 23766, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "47a809ff-c2b0-4c3b-b5ed-a6445ee72315", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 1102, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=183,527 vs Grand Total=183527.0)", "source_page": 9 } }, { "id": "49bdb1ff-9946-4145-9a25-1e71aedeec99", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 19886, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "49c3a484-461c-4af8-8e24-62e73b978bf4", "metric_id": "financial.interest_service_coverage_ratio", "metric_name": "interest service coverage ratio", "value": 57.97, "unit": "ratio", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "2025-09-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: interest_service_coverage", "source_page": null } }, { "id": "541d2ade-533a-4a19-bd86-bd53f1ee3678", "metric_id": "financial.investment_mix.segment.real_estate_subsidiaries", "metric_name": "real estate & subsidiaries", "value": 2958, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "54fbc61c-7290-4d7d-bb98-39a16ce0ee26", "metric_id": "distribution.general.channel.misp_direct.policies", "metric_name": "MISP (Direct) policies", "value": 59147, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "550bd5a4-6921-4b50-96cb-c6dbb6e1ed2e", "metric_id": "distribution.general.channel.common_service_centres.policies", "metric_name": "Common Service Centres (CSC) policies", "value": 30431, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "55ce6f25-a7f7-4213-9d84-5de894eeb913", "metric_id": "financial.liquid_assets_to_liabilities_ratio", "metric_name": "liquid assets to liabilities ratio", "value": 0.08, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "2025-09-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: liquid_assets_ratio", "source_page": null } }, { "id": "5bf3b068-c370-49b2-b971-f7e02abf50aa", "metric_id": "financial.debt_service_coverage_ratio", "metric_name": "debt service coverage ratio", "value": 57.97, "unit": "ratio", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "2025-09-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: dscr", "source_page": null } }, { "id": "617ee317-7e20-45ef-b7bd-9c3eb5bf0c5b", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 1210801, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "6c319abd-7f09-492f-b581-233291722663", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 81.92, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "73856830-b906-4df5-aaf3-6c89b4292371", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 139869, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "77ac7ead-206c-4658-ae80-276964f787b0", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=183,527 vs Grand Total=183527.0)", "source_page": 9 } }, { "id": "7ff5a020-a194-4af2-918f-35ba0d3988e1", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.11, "unit": "x", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY25-26", "source_document": "Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "84cd1ca4-567e-4649-83a0-fb559b0e5c44", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 3.7, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "8a569835-f14d-43db-9075-db0bf1382fa0", "metric_id": "financial.gross_direct_premium.segment.aviation", "metric_name": "aviation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=183,527 vs Grand Total=183527.0)", "source_page": 9 } }, { "id": "92fdf417-2d29-46ac-afc4-4b14503c3019", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 3822, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=183,527 vs Grand Total=183527.0)", "source_page": 9 } }, { "id": "947e1740-4b5d-421c-8c03-0254b35d3a87", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 69130, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=183,527 vs Grand Total=183527.0)", "source_page": 9 } }, { "id": "9fcb298c-9280-4610-962c-dd94aa09d670", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 151540, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY25-26", "source_document": "Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "9fdf593e-cd94-45ec-acb4-83a65c814e96", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 6.6, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "9fe6ece2-59d2-4aca-9a2a-be95914e0234", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 456831, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "a0d52ae1-6564-4548-92c9-e8498e05ef09", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 361, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=183,527 vs Grand Total=183527.0)", "source_page": 9 } }, { "id": "a46377a1-d44d-47a0-8b8f-1ad54ea74665", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 57, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "a5146ba7-9f8a-4709-bdb6-52fe9983f868", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 20.9, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "b3d6b408-3ee8-46ad-97bf-eac67e1b06fd", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 115.81, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "b509adaf-0f81-482c-a803-7402a8a403a8", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 90.74, "unit": "crore", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q2 FY25-26", "source_document": "Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "b8f6f18a-978a-40e9-a8c4-a83b21a7554d", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 21670, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=183,527 vs Grand Total=183527.0)", "source_page": 9 } }, { "id": "bf28201c-7314-4c38-a494-31eac5181c19", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -15, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "c1f34acb-1cca-4875-b9b5-629582f3cbc6", "metric_id": "financial.debt_equity_ratio", "metric_name": "debt to equity ratio", "value": 0.03, "unit": "ratio", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: debt_equity_ratio", "source_page": null } }, { "id": "c63c8568-37e8-40af-9964-4b25818916a9", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 27, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=183,527 vs Grand Total=183527.0)", "source_page": 9 } }, { "id": "c88a2079-c069-463e-b652-24ec4ac0668c", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": -15.48, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "ce16f132-a3e2-4607-830e-079ccd7f04d8", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 33.89, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "2025-09-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "cec573ad-269c-4dea-9a55-298590a9aa68", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 33.24, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d0b3d2cc-ac43-4bfa-8fe7-c0214af3f961", "metric_id": "distribution.general.channel.misp_direct.premium", "metric_name": "MISP (Direct) premium", "value": 549, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d1588faf-dedc-408a-ad5b-ab482120cdd5", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 561168, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d2560442-2393-497d-b347-04714b605ed0", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 410486, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d4c5753d-6377-4365-a8e8-af3ce8451e99", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 1233, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=183,527 vs Grand Total=183527.0)", "source_page": 9 } }, { "id": "d849c80c-a885-4cea-b7d5-00b8a958a403", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 3.04, "unit": "INR", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "db47cc36-7a49-4b94-9b20-9a1ab9d065fa", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.98, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "dbc7e3a8-cf58-4825-b50c-21be0456655d", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 55135, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "dc00410d-e050-420c-b294-05aa48ce056f", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 62556, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q2_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=183,527 vs Grand Total=183527.0)", "source_page": 9 } }, { "id": "e27e2985-9a90-4c7d-bfc0-abad345317f5", "metric_id": "financial.claims_paid_to_provisioned_ratio", "metric_name": "claims paid to provisioned ratio", "value": 16.17, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "2025-09-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: claims_paid_provisioned", "source_page": null } }, { "id": "e302c647-1d3f-46e3-9fab-ac91fb50f8c4", "metric_id": "financial.return_on_net_worth", "metric_name": "return on net worth", "value": 2.84, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "2025-09-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: return_on_networth", "source_page": null } }, { "id": "e56c1198-bde5-4af4-87e9-a11561966d65", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 23.08, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "f67f7b0a-7be2-415f-9b88-7fb316216fe3", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 8552, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "f6e49f21-8af6-48a0-9016-03015c12205e", "metric_id": "distribution.general.channel.common_service_centres.premium", "metric_name": "Common Service Centres (CSC) premium", "value": 785, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "fe8c84ba-a379-48b9-8afd-b84f92413293", "metric_id": "financial.technical_reserves_to_premium_ratio", "metric_name": "technical reserves to premium ratio", "value": 8.65, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "2025-09-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "id": "0179bb79-05fa-4c86-826b-3df6fa9e57ce", "metric_id": "financial.technical_reserves_to_premium_ratio", "metric_name": "technical reserves to premium ratio", "value": 9.82, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "id": "0537c787-4516-4e61-9502-bd2e51fb0d6a", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 4721, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=181,216 vs Grand Total=181216.0)", "source_page": 9 } }, { "id": "068b4b98-8edb-46dc-8665-a2371396f3be", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 80.97, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "09623285-04b0-4bd5-90ce-551e6b1aff59", "metric_id": "distribution.general.channel.micro_agents.premium", "metric_name": "Micro Agents premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=169,401 vs Grand Total=169912.0)", "source_page": 93 } }, { "id": "0c211cba-5787-4645-b510-47f84425ec91", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 6.77, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "0c49d00c-e556-4242-988b-68cbff688298", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 84.51, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "0e509d52-8a2a-49e0-afa1-201201499e15", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 135945, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "13d1ed8a-e010-497f-b2b4-2dabbd967c97", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 412295, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=2,538,269 vs Grand Total=2588406.0)", "source_page": 93 } }, { "id": "15d1f296-0e6e-4d7b-b66a-282d233a3900", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 27.23, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "17e4e8db-f0e0-4d35-a7e4-b0e817cce67a", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 86.15, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "196a46b3-ed7f-4da6-a22c-637e43e70fe4", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 5460, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=169,401 vs Grand Total=169912.0)", "source_page": 93 } }, { "id": "1b305c87-2e28-49b6-b9b5-1a7ad418e8fd", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 57.13, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "1cb46a1c-bd2e-463a-aa3c-9c9a3b43ab5b", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 741, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=181,216 vs Grand Total=181216.0)", "source_page": 9 } }, { "id": "20b94173-1163-48ed-b3b9-746d8a07b3ea", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.17, "unit": "x", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY25-26", "source_document": "Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "22005e4a-549d-491b-8564-be1cb22dd561", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 21780, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=2,538,269 vs Grand Total=2588406.0)", "source_page": 93 } }, { "id": "224b1199-c3e6-4206-801d-64735f418f21", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 63951, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=181,216 vs Grand Total=181216.0)", "source_page": 9 } }, { "id": "225fda00-04d7-412d-8dca-04ea801306a5", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 18829, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=169,401 vs Grand Total=169912.0)", "source_page": 93 } }, { "id": "2683da73-6b9c-4f7d-8c9e-60df744d42e5", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 41.84, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "29600d9b-82a9-4ef8-80d7-5a423024bb96", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 145.95, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "2b14f430-f117-4b8c-8231-7e145c191de3", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": 107.84, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "2bd56899-eaeb-448a-aa3b-f291f337fe75", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": 145, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "2d5f22db-7eff-4322-ab03-04f3cd74a201", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 22324, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=181,216 vs Grand Total=181216.0)", "source_page": 9 } }, { "id": "2d87d708-35fe-4c20-a562-ac1c9b5a1d71", "metric_id": "financial.return_on_net_worth", "metric_name": "return on net worth", "value": 3.45, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: return_on_networth", "source_page": null } }, { "id": "2f087414-fef1-4316-869d-29094e623dee", "metric_id": "distribution.general.channel.misp_direct.policies", "metric_name": "MISP (Direct) policies", "value": 50137, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "33891ef3-6840-4e10-a90b-e662cced31d3", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 421930, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "3bab0fd9-1024-478a-a981-afb3ad9ec6da", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 162.02, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "3d090e86-616a-47ce-80f9-8fe8e50c512f", "metric_id": "financial.claims_paid_to_provisioned_ratio", "metric_name": "claims paid to provisioned ratio", "value": 5.45, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: claims_paid_provisioned", "source_page": null } }, { "id": "3e7fbec1-06d1-41a3-b3f5-3ef887831a7f", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 103.94, "unit": "INR", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "3fecfa1e-ad7d-4bea-97b8-af5734af4ba9", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 152.19, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "49c6b32c-44a3-4130-8da5-eb8fa9ab5965", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 19.6, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "4b3d7731-d901-4c9e-9d9d-98cb2caf8aa1", "metric_id": "financial.investment_yield.gross.quarterly", "metric_name": "gross yield (quarterly)", "value": 7.01, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "4e86a64b-8fb9-4212-92e2-29d96f3adcb6", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 80.42, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "50378457-cc50-4d6f-9aaf-3bf3afa4578f", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 1218, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=181,216 vs Grand Total=181216.0)", "source_page": 9 } }, { "id": "5b0791d0-3ea6-430e-baf1-611693f43803", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 24874, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=181,216 vs Grand Total=181216.0)", "source_page": 9 } }, { "id": "5b5930a4-27bf-4ae9-aae6-a7deaac6d8c1", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 93.38, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "612a5f6a-1f86-4084-8ef3-86c1ceefbf11", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 70.66, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "66762516-aef6-42df-a53e-ccba77e7ae71", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -12, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "676ebb8e-7efd-4285-82f2-78f3ffdab9dc", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 113.83, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "68a5230e-05cb-40e4-84d3-3c9aafac564e", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 125.81, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "6d53f34b-d0ed-44c6-a982-eccca81071d1", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 80.42, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "6f344ec8-f43c-4993-9260-0740be53473f", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 0, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=2,538,269 vs Grand Total=2588406.0)", "source_page": 93 } }, { "id": "71014fee-53b1-4767-999d-6fc99523f441", "metric_id": "distribution.general.channel.micro_agents.policies", "metric_name": "Micro Agents policies", "value": 0, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=2,538,269 vs Grand Total=2588406.0)", "source_page": 93 } }, { "id": "72422025-dc58-43e1-a0a5-95c3d89c6f56", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 35537, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "725f5d58-614c-4436-a448-d35b4f500d27", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 98.72, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "72865010-d2ab-4dcd-af25-e1d29dcdcd3e", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 92448, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=169,401 vs Grand Total=169912.0)", "source_page": 93 } }, { "id": "7bf2a1cb-4fc8-4c0f-a33c-e4718165d3e3", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 5424, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=169,401 vs Grand Total=169912.0)", "source_page": 93 } }, { "id": "7cdee923-3288-49ed-b739-85f6fc2ca55a", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 955061, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=2,538,269 vs Grand Total=2588406.0)", "source_page": 93 } }, { "id": "86cdf5cd-1290-48e7-bd7e-09237c12361f", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 310487, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY25-26", "source_document": "Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "8732f742-5e87-4b72-a701-c487e685d972", "metric_id": "financial.debt_service_coverage_ratio", "metric_name": "debt service coverage ratio", "value": 70.27, "unit": "ratio", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: dscr", "source_page": null } }, { "id": "87da8fa8-0385-47ff-bfda-a13c3f45a402", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 22.85, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "8853676f-34c1-4047-b3ae-ba7eae798ce0", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 512, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=181,216 vs Grand Total=181216.0)", "source_page": 9 } }, { "id": "8891e5d9-427b-494c-8239-82c82f6238f0", "metric_id": "financial.investment_mix.segment.real_estate_subsidiaries", "metric_name": "real estate & subsidiaries", "value": 2958, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "8910ed3b-ba6f-4331-a849-52b77a5db622", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 107.1, "unit": "crore", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q1 FY25-26", "source_document": "Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "895c55f9-7e2a-496c-b9d4-b9e9246e8268", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 73.63, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "8afb12a1-7317-46d8-9843-3d065ecd2f55", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 58, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "8b1ed10a-ba4b-47a2-804d-2d409ed0b1df", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 7.59, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "8b526abf-3290-4a6a-bf82-9f8f830cbebc", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 1134, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=181,216 vs Grand Total=181216.0)", "source_page": 9 } }, { "id": "8ba4b7d7-8c8c-4cca-9bdc-857fbd19f88d", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 34760, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=2,538,269 vs Grand Total=2588406.0)", "source_page": 93 } }, { "id": "8ec86bcd-6aa4-41d1-96d9-2bf8b94adce4", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 3.58, "unit": "INR", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "924d14d1-e671-437b-b8cb-64cbb7b909c9", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 56981, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=181,216 vs Grand Total=181216.0)", "source_page": 9 } }, { "id": "972d825c-555a-4a1c-9535-2c96729a72fb", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 33.57, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "984b2985-8a14-40bb-aeed-53af75a89a12", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 759058, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "9b8eca98-26fa-4bc0-bfdb-bb41a5ce16e7", "metric_id": "distribution.general.channel.common_service_centres.premium", "metric_name": "Common Service Centres (CSC) premium", "value": 627, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=169,401 vs Grand Total=169912.0)", "source_page": 93 } }, { "id": "a250f376-1bb1-49a9-ba07-dd528ab3e7b7", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 46613, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=169,401 vs Grand Total=169912.0)", "source_page": 93 } }, { "id": "a3eb0338-b67d-424f-b575-7a3a71700236", "metric_id": "financial.interest_service_coverage_ratio", "metric_name": "interest service coverage ratio", "value": 70.27, "unit": "ratio", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: interest_service_coverage", "source_page": null } }, { "id": "a6da6311-34d8-47ef-ba76-63e9b2258959", "metric_id": "distribution.general.channel.common_service_centres.policies", "metric_name": "Common Service Centres (CSC) policies", "value": 22934, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=2,538,269 vs Grand Total=2588406.0)", "source_page": 93 } }, { "id": "a9ee8db5-c11f-42cb-9f19-45ac76c2d05d", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 1091439, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=2,538,269 vs Grand Total=2588406.0)", "source_page": 93 } }, { "id": "ae56a9b6-73b5-48f7-b831-fe8a6acc5799", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 92.3, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "aec9aaf3-78ce-479b-9c57-e1c91864fc10", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 3.57, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "b2602904-56ec-4397-96c2-05bb7ef3df13", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 63, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=181,216 vs Grand Total=181216.0)", "source_page": 9 } }, { "id": "b4a7d899-6903-4398-9baa-0bed1130b0dc", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 114.83, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "b5ecc47c-ff8d-4cb6-914d-9ad8940593bc", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 242.31, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "b7382493-6ba8-4c72-a7a9-b2d467469a01", "metric_id": "financial.investment_yield.net.quarterly", "metric_name": "net yield (quarterly)", "value": 5.25, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "bd813c7e-16d2-4eec-9df3-3b9d659b743b", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": -5.64, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "be87513f-881d-4dcc-8f99-b9fa00a3cbee", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 144.77, "unit": "crore", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q1 FY25-26", "source_document": "Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "c00f2aa9-6356-4cff-a5e3-639d39846b49", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 117.75, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "c4db134e-c38d-4818-8f8c-956edd994cc1", "metric_id": "distribution.general.channel.insurance_marketing_firm.premium", "metric_name": "Insurance Marketing Firm premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=169,401 vs Grand Total=169912.0)", "source_page": 93 } }, { "id": "ca248838-37e9-47fb-ab03-2150471299f3", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 244, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=181,216 vs Grand Total=181216.0)", "source_page": 9 } }, { "id": "cb31946d-87c2-43a5-be3f-d0fcb1e0d3c9", "metric_id": "financial.combined_ratio.segment.aviation", "metric_name": "aviation combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "cd2c4167-088e-4be6-acdd-afd8e72922ec", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 497679, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d0df2783-5762-441f-bd44-85985197ceac", "metric_id": "financial.gross_direct_premium.segment.aviation", "metric_name": "aviation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=181,216 vs Grand Total=181216.0)", "source_page": 9 } }, { "id": "d247c415-1069-4550-80f9-f139ba965a54", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 115.46, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d5e8b7e0-c39c-4ca8-8f44-c29a2941265d", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": 114.39, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "df59c2a9-aabf-495e-9ce1-3b0397b7f5f7", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 1812.16, "unit": "crore", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-35-QUARTERLY-BUSINESS-RETURNS", "reporting_period": "Q1 FY25-26", "source_document": "Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-35 Grand Total YTD premium", "source_page": null } }, { "id": "e00c4bfb-6019-4705-9b3a-379fc26263ff", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 34.76, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "e02b5836-e2b0-41af-a808-5c1e1c9c1686", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 112.57, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "e21472b0-284d-4122-9060-b19c77944e58", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 33.86, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "e2253285-7e59-4c0f-9965-9a84ccb0cee8", "metric_id": "financial.liquid_assets_to_liabilities_ratio", "metric_name": "liquid assets to liabilities ratio", "value": 0.1, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: liquid_assets_ratio", "source_page": null } }, { "id": "e52db883-7603-4ef4-872b-561af5c52c83", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 4428, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=181,216 vs Grand Total=181216.0)", "source_page": 9 } }, { "id": "e73d0b93-5092-4a69-8e45-87f95cc3b129", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 25, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=181,216 vs Grand Total=181216.0)", "source_page": 9 } }, { "id": "e8b8bdbc-d406-4b50-af1b-804cae505119", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 49.32, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "eafdb523-8d4b-487c-92e9-87c9bf6641d6", "metric_id": "distribution.general.channel.misp_direct.premium", "metric_name": "MISP (Direct) premium", "value": 511, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "f55fc736-3b9a-4375-8fc2-710e13e63596", "metric_id": "financial.incurred_claim_ratio.segment.aviation", "metric_name": "aviation incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "f88c3eca-2626-4bd5-9187-5814313a43ec", "metric_id": "financial.debt_equity_ratio", "metric_name": "debt to equity ratio", "value": 0.03, "unit": "ratio", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: debt_equity_ratio", "source_page": null } }, { "id": "f91d9849-0c93-41ca-954a-f25954ab7974", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.85, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "fe403ee1-d023-4eb7-8358-948502d5110f", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 132.23, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "fe9d7b5f-6f92-4720-b5a6-92bdb687c0e2", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 142997, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY25-26", "source_document": "Public_Disclosure_for_Q1_FY_2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "0b341d93-c0ff-482f-8e7e-9e4b53348cd7", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 137975, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "0b4db9a2-fd3e-41d7-8a55-5f6dcc820888", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 1.08, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "0b8ae473-3d0f-4fe0-ae55-cba54aab2541", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 32.64, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "2025-03-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "0c7cdcc9-2e14-44be-829e-4c7b1a3ce5dc", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 75.73, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "0d1f0e6c-285c-47e5-a9e7-07fe553dc5d6", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 19, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=202,914 vs Grand Total=202913.0)", "source_page": 10 } }, { "id": "0f4380c6-719d-4380-bfdd-4c0f4e249c0f", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 64273, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=202,914 vs Grand Total=202913.0)", "source_page": 10 } }, { "id": "1181e667-001d-41ac-9978-338344637fcb", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 300679, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "1199cc02-33f1-4425-9e77-45011457dc3e", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 3922, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=202,914 vs Grand Total=202913.0)", "source_page": 10 } }, { "id": "1309b623-43aa-4f7b-9770-46d7482ccc0a", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.179, "unit": "x", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "14b925ed-a0aa-4ad6-a954-7b6bea2e7105", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 72.21, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "2d1770c7-5c4e-4013-b877-7199b13e80ef", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 92.41, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "2ee56905-bc57-415c-8c29-30ef25541047", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 194.69, "unit": "crore", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "2f4e5b5c-23cb-490c-97d0-af2df693895e", "metric_id": "financial.debt_equity_ratio", "metric_name": "debt to equity ratio", "value": 0.03, "unit": "ratio", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: debt_equity_ratio", "source_page": null } }, { "id": "315d0605-d17c-40ef-a96e-6bf177526186", "metric_id": "financial.technical_reserves_to_premium_ratio", "metric_name": "technical reserves to premium ratio", "value": 8.65, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "2025-03-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "id": "328e96ad-b2ed-4a26-9fa1-8c1564223b7c", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 92.28, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 6", "source_page": null } }, { "id": "3c3b4254-fd31-4300-873f-43bab33000c9", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 30.39, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 8", "source_page": null } }, { "id": "3d5ea845-19e5-4317-845d-d1bf774f6f33", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 9.09, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "432b86e3-aa3a-4784-b02f-f00b79f6d0f6", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 22.7, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "466a6f6c-9228-4b4a-a8f5-23a760843f29", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": -2.47, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "4a84e6f9-1206-41f3-89c3-5d49cc56f590", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.71, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "4a868a61-971b-4463-a1cc-c38c5d29150b", "metric_id": "claims.settlement_ratio.nonlife.count", "metric_name": "claim settlement ratio", "value": 74.4786, "unit": "%", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-53", "reporting_period": "FY24-25", "source_document": "IRDAI Handbook Table 53", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "57c51011-ce94-4073-a45d-4f27b4e41a95", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 15307, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=202,914 vs Grand Total=202913.0)", "source_page": 10 } }, { "id": "5860f25d-fb90-48a9-9f50-0d0701039d8c", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 100.36, "unit": "INR", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "5c9cbd82-4fc2-4dce-85ea-6c707c535b69", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 126.32, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "5da705a5-fb10-4a8f-bc8a-7433031a1ea6", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 106.26, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "6131f841-0bea-41d4-a923-1b09ef047de8", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 117.86, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "65418d1e-2bc8-4162-990d-ba991108c1fb", "metric_id": "claims.repudiation_ratio.nonlife.count", "metric_name": "claims repudiation ratio", "value": 5.7586, "unit": "%", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-53", "reporting_period": "FY24-25", "source_document": "IRDAI Handbook Table 53", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "6657dbd7-3416-434c-8f85-b0920a0fd12e", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 33.53, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "2025-03-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "6c68add6-c859-4b74-aa6f-3eb93a9cbeea", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 27.72, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 8", "source_page": null } }, { "id": "6dfd7560-de43-4d1f-8337-37af360866f1", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 1218, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=202,914 vs Grand Total=202913.0)", "source_page": 10 } }, { "id": "7b15c58e-28a9-4c3a-8d92-3bfa13cb82d4", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 1499, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=202,914 vs Grand Total=202913.0)", "source_page": 10 } }, { "id": "7c5d156c-f165-47f3-96e5-c057f55dc7a9", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 22.75, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "7cffc4ac-14a9-4c4c-a7d3-66dfdeaed8e2", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 83685, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=202,914 vs Grand Total=202913.0)", "source_page": 10 } }, { "id": "7ffab4cd-50b0-4f8d-a07e-88c9c2047918", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 566, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=202,914 vs Grand Total=202913.0)", "source_page": 10 } }, { "id": "859dc016-8039-4562-81f1-14278b8e6039", "metric_id": "financial.interest_service_coverage_ratio", "metric_name": "interest service coverage ratio", "value": 94.15, "unit": "ratio", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "2025-03-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: interest_service_coverage", "source_page": null } }, { "id": "89d25723-428f-4c40-a5da-e4b4dd24a7bd", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 2955, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=202,914 vs Grand Total=202913.0)", "source_page": 10 } }, { "id": "8c1e946e-65ad-49ab-a6a5-db27d35e8b11", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 124.83, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "98d31675-a114-4c75-95d7-7e300579a99c", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 89.06, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "99355037-c448-462b-9b65-9bdb2ded3f8d", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 73.63, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "9a6fd258-41a7-49ca-b282-b24cb05e93cf", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 20.36, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "9ce615f3-a6ec-45cc-8686-0a108bc7d6ed", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 74.2, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "a17acc05-342f-40b9-bee7-5417a32c5895", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 102.06, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "a4931638-2730-48d5-b88a-e984b8d24dbf", "metric_id": "financial.liquid_assets_to_liabilities_ratio", "metric_name": "liquid assets to liabilities ratio", "value": 0.12, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "2025-03-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: liquid_assets_ratio", "source_page": null } }, { "id": "a96a4d10-f94f-4ebb-94c7-da6b41a7c28d", "metric_id": "financial.gross_direct_premium.segment.aviation", "metric_name": "aviation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=202,914 vs Grand Total=202913.0)", "source_page": 10 } }, { "id": "a9ad4698-d9d4-4ceb-b349-ec452f0a5cf0", "metric_id": "financial.debt_service_coverage_ratio", "metric_name": "debt service coverage ratio", "value": 94.15, "unit": "ratio", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "2025-03-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: dscr", "source_page": null } }, { "id": "aa03a4a8-76e1-4ba6-994f-f9ba4616709e", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 68, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "aaf5497e-034b-41e7-96d7-8579d37ea1fb", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 109.25, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "ad0bcbf4-dd2d-4aec-8469-aaf59b5731f0", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 4.82, "unit": "INR", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "ad893943-39d4-40e7-861c-d342b4ee12b1", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 88.6, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "aefdfd7f-dc60-432e-8eb3-03ff56b832e8", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 41.67, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "c34ff013-9887-4876-8705-9cc15a220d46", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 60.69, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "c8ed8e4b-c76c-4c69-8feb-d99e7ef95ae5", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": 16.11, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "cea98408-1eda-4c02-ae70-07d8a3d7fb22", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 143.9, "unit": "crore", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "cec476ad-8d0f-40db-a76a-0cb2f6a920c6", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 115.27, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "cfebfab2-ccee-4097-8c70-e11990795e4d", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8", "source_page": null } }, { "id": "d117a546-f9fe-4cd4-b1f1-fc2d1a730913", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 8124.3, "unit": "crore", "reporting_period_label": "FY25-03", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-2-40", "reporting_period": "FY25-03", "source_document": "IRDAI Handbook Table 40", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-19", "extraction_note": "NL-35 Grand Total YTD premium", "source_page": null } }, { "id": "d3a1a205-c11c-40c6-a5e6-331e4d4392cd", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 16332, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=202,914 vs Grand Total=202913.0)", "source_page": 10 } }, { "id": "d8525f00-09ac-4449-9349-01d868250c66", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 20.25, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "d9091ee1-7c87-4908-a03e-b8f5ae72a26b", "metric_id": "financial.return_on_net_worth", "metric_name": "return on net worth", "value": 4.8, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "2025-03-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: return_on_networth", "source_page": null } }, { "id": "db8c2332-f5f8-4831-91bd-218c2d4f7c6d", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 12417, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=202,914 vs Grand Total=202913.0)", "source_page": 10 } }, { "id": "dd9a59b1-e090-4036-911a-9703e55fdb7f", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 564, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=202,914 vs Grand Total=202913.0)", "source_page": 10 } }, { "id": "e7c87fbe-d2c6-4c1f-8c6e-6f3ba2eeba4b", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 118.24, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "e8416a88-9dfd-49be-85ba-34a119de7736", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 78.36, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "ece24519-6943-4855-8f4b-cb223ea59ff4", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 7.51, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "f031e3f2-cffc-4408-a335-e5c1d8d257b2", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 157, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=202,914 vs Grand Total=202913.0)", "source_page": 10 } }, { "id": "f49ca76a-73e4-4589-b2f2-5ad1bae9ab8f", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -10, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "f5060dc9-b614-41a3-9be5-58ab828f3f9f", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": -6.22, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 6", "source_page": null } }, { "id": "fd3c15ac-f8f0-4c4f-a398-337f8c0a1bd7", "metric_id": "financial.claims_paid_to_provisioned_ratio", "metric_name": "claims paid to provisioned ratio", "value": 3.53, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "2025-03-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: claims_paid_provisioned", "source_page": null } }, { "id": "002cfda4-a6bd-4129-ba0c-34950ca86ac2", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 72.63, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "01312846-d74b-471c-86f3-540540ece48c", "metric_id": "financial.return_on_net_worth", "metric_name": "return on net worth", "value": 3.58, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "2024-12-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: return_on_networth", "source_page": null } }, { "id": "0177a926-60fa-4282-bfde-c9995339d5f7", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 134.57, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "05b81de3-3094-4865-b665-e3ddbb97a3f3", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.139, "unit": "x", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "0bb19c51-5167-4780-9eb2-8d6c1d93bb27", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 552, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,314 vs Grand Total=200313.0)", "source_page": 10 } }, { "id": "127c80b9-2c59-4704-a46e-7594600546db", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 108.2, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "13066e8a-08fc-4bbf-b163-d331ba66693d", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 6.4, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "17a76da8-ab90-4084-8660-956ebc5e72aa", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 6.58, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "23e3d4f1-9092-4f26-9ee9-690df3dd3d73", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 86602, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,314 vs Grand Total=200313.0)", "source_page": 10 } }, { "id": "2a76f14a-d964-43bf-bf1a-03f949998ce9", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 47.22, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 8", "source_page": null } }, { "id": "2f37b68d-3040-4c0d-bcb5-ce8e80d536f4", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 152, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,314 vs Grand Total=200313.0)", "source_page": 10 } }, { "id": "37b16108-e1f2-4d1c-a45c-a2fa5c05eb5e", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 136.63, "unit": "crore", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "389a923a-a4a4-4269-a4d0-792937e7c187", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 4330, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,314 vs Grand Total=200313.0)", "source_page": 10 } }, { "id": "3bcb334b-d1e8-4dc7-95a1-a6e65eeb0311", "metric_id": "financial.debt_equity_ratio", "metric_name": "debt to equity ratio", "value": 0.04, "unit": "ratio", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: debt_equity_ratio", "source_page": null } }, { "id": "43df76bb-4507-40cb-b2a3-b6aed73187fd", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 1155, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,314 vs Grand Total=200313.0)", "source_page": 10 } }, { "id": "441a2cb8-78b0-4d20-a9ff-d9a8b2c29932", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 39.08, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "2024-12-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "5200f5d6-816d-42be-8c95-5440ace66531", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 20.6, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "520dbec1-b429-4173-8440-4f55d48bee7c", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 14.58, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "582b743c-dc01-4052-81d2-8c5a1febdb2f", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 27, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,314 vs Grand Total=200313.0)", "source_page": 10 } }, { "id": "5c08b1e7-d4a7-442e-aa76-3707049d5b06", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 36.53, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "2024-12-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "64cbe210-76cb-4977-bc73-e9c1f69b2850", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 71.32, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "64e79f35-d50a-4a61-97e3-157ef66e955b", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.89, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "6bb0518b-396d-4055-b406-54a6d4d58c2e", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 1544, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,314 vs Grand Total=200313.0)", "source_page": 10 } }, { "id": "6f9e0b1f-0d8e-4f45-9f5f-d9d45d80d87c", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 116.61, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "718f153a-6837-46c8-bc40-a2c183dc0cc1", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 70, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "7263c81d-d624-4af4-83f3-aabb9a1ff854", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 1916, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,314 vs Grand Total=200313.0)", "source_page": 10 } }, { "id": "7645873f-d984-438b-834d-5c44b6c0cf58", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 3.42, "unit": "INR", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "76f48cff-a7c5-43df-8fe2-4533be478066", "metric_id": "financial.technical_reserves_to_premium_ratio", "metric_name": "technical reserves to premium ratio", "value": 8.7, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "2024-12-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "id": "7b3fbbf8-8301-4768-aa70-63cd3a61140e", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": 5.78, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "7bfbfb07-2f70-46e0-967a-47dd9aeaba77", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 29.15, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "7ece51d8-360c-49a7-95dd-c2e50d0c0453", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 95.54, "unit": "INR", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "7f24cfdf-a7dc-4579-aff5-5d9d14e3b6bf", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 129207, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "81f7d173-de83-4724-8594-d8426ba7394b", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 106.97, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "8b050379-773e-4567-a2e3-534e2f8a38f7", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 26.24, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "8e14cf7a-a2f0-44f3-8d65-64eba72b9002", "metric_id": "financial.liquid_assets_to_liabilities_ratio", "metric_name": "liquid assets to liabilities ratio", "value": 0.1, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "2024-12-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: liquid_assets_ratio", "source_page": null } }, { "id": "90666371-5a22-4503-8ea7-fe1ad2dc9e60", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 53.15, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 8", "source_page": null } }, { "id": "92a886b9-281d-4bcc-8c81-149b6b90182c", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 276353, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "9406622f-fef6-41bd-bb38-09d2a2ea47c4", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 86.93, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 6", "source_page": null } }, { "id": "984f82cf-a0f0-4cf8-8314-09a64a226c26", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 88.85, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "9902c156-bc10-4658-9518-bfac48f082ab", "metric_id": "financial.gross_direct_premium.segment.aviation", "metric_name": "aviation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,314 vs Grand Total=200313.0)", "source_page": 10 } }, { "id": "9ab04dd3-9194-4100-81cf-aee8f351108c", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 9816, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,314 vs Grand Total=200313.0)", "source_page": 10 } }, { "id": "9bf45646-c8d4-4985-9a19-9633d4deefeb", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 222, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,314 vs Grand Total=200313.0)", "source_page": 10 } }, { "id": "a5139013-e080-49f9-b614-1b843459e33a", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 74.03, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "a9cc20c1-352e-4501-a1e4-e845aa60e7a3", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 22.79, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "b3094170-059e-4b29-8790-660253f60054", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8", "source_page": null } }, { "id": "ba6e84c9-a320-430d-ad72-be1c20e6d567", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 66005, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,314 vs Grand Total=200313.0)", "source_page": 10 } }, { "id": "c1f8f3c9-eaf9-4eef-910c-c01b585737fc", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 8443, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,314 vs Grand Total=200313.0)", "source_page": 10 } }, { "id": "c27ae3d0-d3ce-4878-99a8-939853a0fd3c", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -13, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "ca348d5f-0a21-483e-8421-d32ea7637ded", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 119.17, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "cab6c567-bd6d-4761-8b02-63df9b40da14", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 19550, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,314 vs Grand Total=200313.0)", "source_page": 10 } }, { "id": "d1014aaa-b61c-4c23-afcc-2bb64386c5a8", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 20.74, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "d57cd4d6-426f-46ea-b23e-d31466ba367d", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 119.8, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "def0760a-4b20-43ac-88f0-805d80af1980", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 102.3, "unit": "crore", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "e784cd92-01d9-490a-9511-a7ee3773e1d4", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 139.2, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "e8a31d1e-57fa-49f2-83f3-5cd2e7eb18e4", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 111.71, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "e9b000a0-8b2d-4169-9a39-d17f2fa24665", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 87.13, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "ef878a2a-138f-41bd-af74-3e8efbafbd12", "metric_id": "financial.interest_service_coverage_ratio", "metric_name": "interest service coverage ratio", "value": 64.25, "unit": "ratio", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "2024-12-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: interest_service_coverage", "source_page": null } }, { "id": "f026ade1-ca36-443d-bc0c-8c1b9d3c3951", "metric_id": "financial.debt_service_coverage_ratio", "metric_name": "debt service coverage ratio", "value": 64.25, "unit": "ratio", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "2024-12-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: dscr", "source_page": null } }, { "id": "f0419d59-c0b5-4974-a283-231023bac47d", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": -0.95, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 6", "source_page": null } }, { "id": "f086df27-ac99-48ab-8b92-9f2f2b6ef807", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 75.57, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "f397e30c-c81f-4354-8b49-afbf3255770d", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 92.29, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "fbcc2a17-4dcd-46d1-a62f-12737b2b4542", "metric_id": "financial.claims_paid_to_provisioned_ratio", "metric_name": "claims paid to provisioned ratio", "value": 3.7, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "2024-12-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: claims_paid_provisioned", "source_page": null } }, { "id": "fc970aff-af51-410f-989d-28a4f0384ff9", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 91.22, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "fd8f8b9c-ea95-4928-a319-99d3fc7070d9", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 7.98, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "fed0f32d-b0cd-4523-b353-188c3cb3ee8b", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 58.87, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosures_for_Q3_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "00896197-f29a-421c-994f-18e4421f7dff", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 37.53, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "01622b59-1b83-4b0a-9d9a-eada7c6aa316", "metric_id": "financial.interest_service_coverage_ratio", "metric_name": "interest service coverage ratio", "value": 81.1, "unit": "ratio", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "2024-09-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: interest_service_coverage", "source_page": null } }, { "id": "03b480ec-4b48-4056-907a-62e042668b3a", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 72.63, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "070c672a-e6a5-4bac-938e-193971a68f18", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 338, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=217,146 vs Grand Total=217146.0)", "source_page": 10 } }, { "id": "1d1d8b85-3f1d-4561-a29a-952fa490b048", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 591, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=217,146 vs Grand Total=217146.0)", "source_page": 10 } }, { "id": "1e10a38c-8cd4-4403-a42b-dc17a108905e", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 114.36, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "1f9503ee-1b32-43c5-b593-1522884adaa2", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 36, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=217,146 vs Grand Total=217146.0)", "source_page": 10 } }, { "id": "211ed14e-c515-40d4-b63e-4b81fe18787c", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 15.82, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "2636ea02-167a-41e2-ad0f-1abf1d51c2e1", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 358, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=217,146 vs Grand Total=217146.0)", "source_page": 10 } }, { "id": "26c686c4-043d-4f81-ac8d-cae9bac29452", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 22.48, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "3333964b-6da4-47c1-828f-72c48ca39f1f", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 32.39, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "2024-09-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "34b5368b-aaf1-4a61-a422-fa0e41602246", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "3607d419-4b03-4ac5-8c8d-a27d79a3dd1a", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 79, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "41457d63-6adb-46aa-80f5-5c28c5f3a445", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 984, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=217,146 vs Grand Total=217146.0)", "source_page": 10 } }, { "id": "489318e5-e5a8-42a7-9dbc-e223d6f0fd85", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 265175, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "49fd6228-8ec4-4b8c-8368-8233dd1fbd7b", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 24066, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=217,146 vs Grand Total=217146.0)", "source_page": 10 } }, { "id": "51817ca5-8c38-4d3d-a8b1-07449fce5d95", "metric_id": "financial.technical_reserves_to_premium_ratio", "metric_name": "technical reserves to premium ratio", "value": 8.76, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "2024-09-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "id": "552e7274-f750-4d6c-b133-5d377016e7c0", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 128658, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "55b2d481-e9e9-498e-898f-d41707e06f62", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 38, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "2024-09-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "5e799da2-430a-43a3-b81c-e577ce2e258a", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 127.23, "unit": "crore", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "609793ae-9f6a-4627-ae0d-42acaf024f1d", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 23.32, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "69097291-83ad-4e25-bc14-c2c15fe240da", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 75.42, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "696ecc59-8e27-4605-95b7-d088b04eb78b", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 3491, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=217,146 vs Grand Total=217146.0)", "source_page": 10 } }, { "id": "6e5fb789-ddbb-4027-8fdd-430556d49cf9", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 7.13, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "703ec5a6-9dd0-4b2f-94eb-c063ea117a87", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8", "source_page": null } }, { "id": "71a53fae-0377-4e41-a253-0934d5b0a253", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 32343, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=217,146 vs Grand Total=217146.0)", "source_page": 10 } }, { "id": "74d472bd-d1b4-49a6-86ef-a746c133d6f1", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 68.97, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "7bf6674a-c9ab-4696-aae1-483f65f35e90", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 47.75, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 8", "source_page": null } }, { "id": "7cadcf96-11af-4692-baf4-0072e374b2e0", "metric_id": "financial.claims_paid_to_provisioned_ratio", "metric_name": "claims paid to provisioned ratio", "value": 12.19, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "2024-09-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: claims_paid_provisioned", "source_page": null } }, { "id": "7d1c2669-72ee-48ee-94f5-334f451492b1", "metric_id": "financial.incurred_claim_ratio.segment.aviation", "metric_name": "aviation incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 6", "source_page": null } }, { "id": "7ec7a827-d669-467b-b625-4f11f7a8ebf1", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 52578, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=217,146 vs Grand Total=217146.0)", "source_page": 10 } }, { "id": "8197b19d-7e39-4273-9436-5ebd95bec87a", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 45.98, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 8", "source_page": null } }, { "id": "838d66ea-2352-4078-81aa-7f09cdbe4222", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 9.16, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "84b4fb89-30da-4f4b-a383-6ed540cca50f", "metric_id": "financial.combined_ratio.segment.aviation", "metric_name": "aviation combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 8", "source_page": null } }, { "id": "8696771e-a065-4a1d-85d5-f2a088a8fb53", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 89.14, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "8d9aefd0-b48d-4fe5-8513-c02dac709ed8", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 18.67, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "8e74cdf3-cb01-4f88-8e9a-37292ffba511", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -13, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "8eec5457-df73-4fdd-93c8-8165295d207f", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 132.17, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "9060e671-6b3e-42a9-9e1d-2db1e9be6abf", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 6", "source_page": null } }, { "id": "95d654fc-9d55-4ee8-8882-7bb0bd893abc", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.98, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "9dd317bc-6fe3-4ac3-83c7-c5e41b3b0b6c", "metric_id": "financial.gross_direct_premium.segment.aviation", "metric_name": "aviation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=217,146 vs Grand Total=217146.0)", "source_page": 10 } }, { "id": "9f88f257-6218-4ea2-a8bb-d31ef6bdef59", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.061, "unit": "x", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "a348a53e-42b3-4537-a8fe-4652a4d922be", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 8544, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=217,146 vs Grand Total=217146.0)", "source_page": 10 } }, { "id": "a630a2bc-1783-4d93-b8d3-37bb6807e63d", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 92.12, "unit": "INR", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "a6e6589a-cb9b-4b1d-9c3c-932556e67af8", "metric_id": "financial.debt_equity_ratio", "metric_name": "debt to equity ratio", "value": 0.04, "unit": "ratio", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: debt_equity_ratio", "source_page": null } }, { "id": "b31e9341-5e88-46c6-ae6b-9d1fb7a185e6", "metric_id": "financial.return_on_net_worth", "metric_name": "return on net worth", "value": 4.62, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "2024-09-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: return_on_networth", "source_page": null } }, { "id": "b4211452-295a-4412-a7b7-4038f750f9f0", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 1976, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=217,146 vs Grand Total=217146.0)", "source_page": 10 } }, { "id": "b8ddc746-1301-4a0a-9b79-54ece5a19a6b", "metric_id": "financial.debt_service_coverage_ratio", "metric_name": "debt service coverage ratio", "value": 81.1, "unit": "ratio", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "2024-09-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: dscr", "source_page": null } }, { "id": "bd43ba4e-ff8a-4f4e-876e-54ea7809e65a", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 62.11, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "be3af902-e518-4d1f-a542-33c508526c21", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 99.5, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "c0966bff-969b-42d7-9d86-6d16f9d49044", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 71.76, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "d0719e13-f147-4dd7-bdb4-d7b3de3dba5c", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 16817, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=217,146 vs Grand Total=217146.0)", "source_page": 10 } }, { "id": "d5e0b66b-f7c5-47fe-b99c-3e63a65fa4e8", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 104.93, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "d73f73a3-e1aa-4d53-9912-e61144f28210", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 6", "source_page": null } }, { "id": "d7c0aa58-ca98-47eb-b3db-ec594dcdae42", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 75024, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY24-25", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=217,146 vs Grand Total=217146.0)", "source_page": 10 } }, { "id": "dbdb258b-c180-4fcb-9350-dc92310a5b3e", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 4.26, "unit": "INR", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "dc3b681b-8e32-48bf-93e6-842af1db9851", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": 12.27, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "e9298334-1bf9-4bcf-a2e3-20f86dc22ecb", "metric_id": "financial.liquid_assets_to_liabilities_ratio", "metric_name": "liquid assets to liabilities ratio", "value": 0.06, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "2024-09-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: liquid_assets_ratio", "source_page": null } }, { "id": "ea636bfa-57a8-4c1c-b36e-3d9fa3ff7600", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 110.63, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "eadfb55b-2073-442a-9be4-4b6039816bab", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 106.59, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "f13088ed-64bf-4c1c-add7-1e5209e23735", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 72.56, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "f48b5e65-4ecc-445d-b254-e7cf6290651c", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 170.62, "unit": "crore", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "f57a1427-b5b2-4020-ace4-b9735debc27a", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 122.65, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "f629bdcc-44a2-4752-87bd-4f9102379bb4", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 126.07, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "f8b594df-4d80-4538-9495-4f2155f3a96e", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 8.42, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "fbfc3006-2e55-4387-bb57-7f2b8fc88ad2", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 10.47, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "fc058838-8252-4a2f-9624-9124fa32e613", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 88.33, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosures_for_Q2_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "038634da-91bd-4217-81f3-bebafde5b7d3", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 19.39, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "0393fefd-a43c-4228-b44f-84b85bd0b483", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 105.86, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "0932d3cb-acb4-4854-adb8-f5b007158d46", "metric_id": "financial.technical_reserves_to_premium_ratio", "metric_name": "technical reserves to premium ratio", "value": 9.59, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "2024-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "id": "10ea88aa-acb8-4109-be23-33fc2e5d0180", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 129.86, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "1b42d97a-2ed2-40ee-ad20-82162edcd289", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": 16.54, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "26e7e9ad-8089-437d-83cb-0a6de8a98853", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 36.8, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "2024-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "2830f521-8757-47e3-b370-749755fbaea2", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 87.86, "unit": "INR", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "2eb3ee5b-271a-4b21-b70b-11e878672506", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 83.53, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "34ce9176-e64e-4d18-ae1e-eb6909f86853", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 68.91, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "374f7f4c-111b-4a4e-95df-6ee55c537f2f", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 44.69, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 8", "source_page": null } }, { "id": "3aa1c6c5-2dce-4713-95f2-587e114aeda5", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 31.53, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "3d904e43-d93d-4279-a3c8-a01e2de5650f", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 17.32, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "3e0d30cc-879d-459f-bdc3-486bc8abeacc", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 75.12, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "3fe5e432-c0be-4c7d-b013-ee910c9438fc", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 131215, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "4123a5de-0d8d-4269-9066-05587a16b25a", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 1920.54, "unit": "crore", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-35-QUARTERLY-BUSINESS-RETURNS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-35 Grand Total YTD premium", "source_page": null } }, { "id": "4602dcc2-2cec-4862-9505-6317262a4ba6", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.87, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "54d6a46b-3436-4579-b3a5-7e96f864869c", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 69.35, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "5ac4462d-6ebf-407e-959c-67c79847390a", "metric_id": "financial.combined_ratio.segment.aviation", "metric_name": "aviation combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 8", "source_page": null } }, { "id": "5e16a88d-cd5a-4df5-b938-a7d416688166", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.917, "unit": "x", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "643064ca-996d-4c24-b6f5-dfc2c19ec263", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 72.34, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "6b00604c-b953-4f42-a4da-fccc6bc915ed", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 6", "source_page": null } }, { "id": "6c1dc505-64ac-4e64-a0e9-61a0029ce455", "metric_id": "financial.incurred_claim_ratio.segment.aviation", "metric_name": "aviation incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 6", "source_page": null } }, { "id": "6ceeb459-1d3a-4746-bf02-fc07f9e1dbdb", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 9.91, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "6db52924-e7a7-4551-af61-2257747f7514", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 14.24, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "6e76d1a2-006e-49a5-bcc5-d2932c2ea171", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 57.13, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "7834f5a7-d21c-4752-8cf4-9089ca3e5063", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 90.06, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "8020ebc3-0dd7-4d0d-b9e1-c753bc7c6838", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 251584, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "81b4bfe8-939c-4691-9506-75340307ed8a", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8", "source_page": null } }, { "id": "8c3278a3-bd72-440b-abdc-48af08b21fea", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 141.47, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "8da11fd8-23b6-4c46-80ce-91d60d364d55", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 21.6, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "8ee296a9-54a8-4a7d-813a-0378a1fc0d85", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 58.62, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 8", "source_page": null } }, { "id": "93dea08e-54be-4ce1-b6ad-ce918e0ec61b", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 108.83, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "992ee328-a4eb-4264-b0ba-c9032cc76efe", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 110.96, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "9e9164ae-e496-4c73-9ad6-ddf2eb93ad74", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 5.37, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "a23cfc38-c609-4d7b-91da-5b33cf311aca", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 87.31, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "a6a2fadc-64fd-46b9-8cb0-166c8e27afec", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 73, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "b3af8e77-f49f-4ea6-a46e-8a1256e71929", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 54.11, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "ba214e65-2b70-404e-a4a1-fd073613512c", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 4.48, "unit": "INR", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "bb997e15-ac35-453f-b37e-62d35155cb35", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "bbd9dee9-6586-42f3-b7c3-db7f49d5e47c", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 6", "source_page": null } }, { "id": "be83906c-3c2d-41f4-a334-49c579843b49", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -10, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "c8a044ab-0c89-44e4-bc8f-70101cc842ee", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 10.83, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "cb2c3ad8-7a09-4c90-93da-99ce6f392976", "metric_id": "financial.debt_service_coverage_ratio", "metric_name": "debt service coverage ratio", "value": 85.82, "unit": "ratio", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "2024-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: dscr", "source_page": null } }, { "id": "cb8c8077-7f68-4b2b-b4de-78ea13b8fccf", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 33.65, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "2024-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "cbfc15c0-c853-4125-b9f3-209749e70d93", "metric_id": "financial.liquid_assets_to_liabilities_ratio", "metric_name": "liquid assets to liabilities ratio", "value": 0.04, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "2024-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: liquid_assets_ratio", "source_page": null } }, { "id": "cfd2233e-855e-465a-a5e3-6ef5f50e38c2", "metric_id": "financial.interest_service_coverage_ratio", "metric_name": "interest service coverage ratio", "value": 85.82, "unit": "ratio", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "2024-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: interest_service_coverage", "source_page": null } }, { "id": "d0bdec96-5b5c-4fcb-b44a-36f5f3b6f6f7", "metric_id": "financial.debt_equity_ratio", "metric_name": "debt to equity ratio", "value": 0.04, "unit": "ratio", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: debt_equity_ratio", "source_page": null } }, { "id": "d13a4361-6e55-46ce-bbd7-49348c2f94fd", "metric_id": "financial.return_on_net_worth", "metric_name": "return on net worth", "value": 5.09, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "2024-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: return_on_networth", "source_page": null } }, { "id": "d6d5df13-51b1-4d61-bfe9-3b565abec24e", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 72.03, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "e0d0a3f1-955b-436b-b5af-2b5c268cd260", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 116.15, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "f5bd07b6-63a2-4106-af17-aae10d7fdfed", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 99.71, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_for_Q1_FY_2024-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "ff6975a6-cf21-4aa5-9a52-ca49ace04c15", "metric_id": "financial.claims_paid_to_provisioned_ratio", "metric_name": "claims paid to provisioned ratio", "value": 8.93, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "2024-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: claims_paid_provisioned", "source_page": null } }, { "id": "0171cf9d-3e22-4d19-8b62-34e3477fb3a1", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 28.48, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "02094619-7302-48ba-be02-33d64d1fa783", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 76.44, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "0257fa61-d4d6-4e26-89a3-80b8239b4bdf", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 108.35, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "08731dc1-21b9-4a63-9f9c-73b581fb301f", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.79, "unit": "x", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "08abc62a-ec59-483e-bd92-27244dec2ce6", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 23.31, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "19bc65a8-9827-498a-bfd4-895b3a1d7f5e", "metric_id": "financial.debt_equity_ratio", "metric_name": "debt to equity ratio", "value": 0.04, "unit": "ratio", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: debt_equity_ratio", "source_page": null } }, { "id": "20480ea6-5a64-45dc-954e-7c9062372349", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 121.2, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "238660ef-38cb-4e05-915b-6072a3a72dfb", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 78.47, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "239aae9a-d276-4bda-9d99-930f3602b26e", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 7532.89, "unit": "crore", "reporting_period_label": "FY24-03", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-2-40", "reporting_period": "FY24-03", "source_document": "IRDAI Handbook Table 40", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "24576f9a-bd23-4f93-9240-a9b804eefb6f", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 119.87, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "26a471fa-27e7-4b82-97ad-ab5398ddc521", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -15, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "2c1413ba-37a2-4e1d-b3ce-b4b232d0d08a", "metric_id": "claims.repudiation_ratio.nonlife.count", "metric_name": "claims repudiation ratio", "value": 5.8832, "unit": "%", "reporting_period_label": "FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-53", "reporting_period": "FY23-24", "source_document": "IRDAI Handbook Table 53", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "2e47004a-871b-4580-b12c-90d6b954f731", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 15.34, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "360b7b31-175f-44c2-aac4-9be400ff0e30", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 13.6, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "4345d257-5cae-40a1-99ed-e356741a4526", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 491, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,749 vs Grand Total=200749.0)", "source_page": 10 } }, { "id": "482c7401-3134-4720-ad45-c574b5b0465c", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 739, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,749 vs Grand Total=200749.0)", "source_page": 10 } }, { "id": "4838a17c-b226-4c97-aa84-6e4ed9e74607", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 71.82, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "58c7e668-b3f9-458a-bfca-89685f895890", "metric_id": "financial.combined_ratio.segment.aviation", "metric_name": "aviation combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 8", "source_page": null } }, { "id": "637ea7d9-35ef-4b80-b243-fc0b28f5d4ee", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 75.72, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "6431867b-c176-4319-95af-d3409dabfb4f", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 73.85, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "66d35dc2-6201-4c14-aa9d-0b2f4105cb07", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 6", "source_page": null } }, { "id": "6710568b-7d6b-4ad3-bcdf-267d07cc1236", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 90.98, "unit": "crore", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "68d05460-fba4-49ef-b851-34daa7cfbbaf", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 105.05, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "749888c2-bd0c-48c2-be78-db5848c93eff", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 6", "source_page": null } }, { "id": "7927db7a-46c3-4629-b828-ef95e9af86f5", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 18707, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,749 vs Grand Total=200749.0)", "source_page": 10 } }, { "id": "7eb86fa9-55ef-4091-92e0-bed3068c38e7", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 230376, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "83bcde91-b055-483e-aa23-5a8aed9de897", "metric_id": "financial.incurred_claim_ratio.segment.aviation", "metric_name": "aviation incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 6", "source_page": null } }, { "id": "8ce19451-689b-424a-9bde-c17e8fd94f3b", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8", "source_page": null } }, { "id": "8cf7ffc3-35b1-4c9c-b4d5-aec6519d3966", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 118.72, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "8de77365-372c-44e0-ae48-09489d0c8ec1", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 83.39, "unit": "INR", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "95d496e1-d796-4e2a-aca4-0962469c2c09", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 2783, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,749 vs Grand Total=200749.0)", "source_page": 10 } }, { "id": "9660dff6-3f77-4848-9e5f-df124981140f", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 142, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,749 vs Grand Total=200749.0)", "source_page": 10 } }, { "id": "9792df67-701e-41cf-ad4c-82e42861c9ca", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.85, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "9a89bd58-bf61-49b4-ab70-673af26ed9e3", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": 8.68, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "9d0b2ff3-af09-436c-9bf8-5de78c596511", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 41.94, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "a0889c5c-badb-467c-8289-3acb2ae738f0", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 66.8, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 8", "source_page": null } }, { "id": "a0fd9205-ebca-4d35-bfda-81b13b0318fc", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 121.56, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "a158d1f5-958b-40b0-9d48-79d882c8db40", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 89.53, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "ac3e4ba5-12ce-46f4-be82-874c0027fa0d", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "ad74733e-9267-4580-959e-de729fd10025", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 4.43, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "ad8916f6-49a6-4570-8591-cb3f3de40917", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 23.7, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "b2a2ed1b-6386-4d3f-84ee-0126bf9c8cdf", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 67.82, "unit": "crore", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "b741492d-dc1a-4386-b38c-998fa4b24182", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 8485, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,749 vs Grand Total=200749.0)", "source_page": 10 } }, { "id": "c06c5fdd-f1f0-4873-8867-895488b3aed6", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 16650, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,749 vs Grand Total=200749.0)", "source_page": 10 } }, { "id": "c7233f79-b490-4f3e-bd90-abb3d32d926d", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 56771, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,749 vs Grand Total=200749.0)", "source_page": 10 } }, { "id": "c95a9a1a-b139-4399-aebe-a446cf151a5a", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 6004, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,749 vs Grand Total=200749.0)", "source_page": 10 } }, { "id": "c9c50d05-1e83-4b77-9994-32511ba0e31a", "metric_id": "financial.gross_direct_premium.segment.aviation", "metric_name": "aviation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,749 vs Grand Total=200749.0)", "source_page": 10 } }, { "id": "c9d7bb51-3e0f-400c-a201-22ef9d87af91", "metric_id": "claims.settlement_ratio.nonlife.count", "metric_name": "claim settlement ratio", "value": 76.6349, "unit": "%", "reporting_period_label": "FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-53", "reporting_period": "FY23-24", "source_document": "IRDAI Handbook Table 53", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "ca979d5c-3fe2-498a-a4ca-62bf424c9f27", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 21, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,749 vs Grand Total=200749.0)", "source_page": 10 } }, { "id": "cc04ebc8-47ef-450d-bd3a-2879388c5dd3", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 10.22, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "dd49be0f-fec1-4ca0-9a20-d07ad6f4814a", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 2504, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,749 vs Grand Total=200749.0)", "source_page": 10 } }, { "id": "ddf6bb59-b139-410c-bd33-c15cfdbf925d", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 75.57, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "e14f852e-08c3-42f8-a381-db92804366c0", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 105.78, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "e166a073-1124-4f62-ab0d-d89bff8cbb63", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 2.27, "unit": "INR", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "e526c7cb-88e9-40ff-b973-7cf37a9ba177", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 128693, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "e55c5a13-e405-45b5-942b-173c604ae9bb", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 54.25, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "ece183c0-292a-4a15-be65-3027e51d356e", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 84.85, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "ee5c8764-017d-4db3-83cb-62018e883611", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 75.87, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "f81fafeb-e1bd-4d10-83e4-dc7b7567be66", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 81, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "fd6add2b-0403-4ee7-892d-8e21f9a9b99c", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 329, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,749 vs Grand Total=200749.0)", "source_page": 10 } }, { "id": "feffb4e7-7ca2-4cba-8c73-a437c801e0f1", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 164.87, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 8", "source_page": null } }, { "id": "ff960cc8-e00d-41a4-8a5d-c328b291ec4d", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 87123, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Mar_2024_Q4__FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=200,749 vs Grand Total=200749.0)", "source_page": 10 } }, { "id": "00bb9f4f-17a4-4e33-a2a0-ee664e1b7834", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "0e6ef587-5ac6-4ea3-aab5-5faa4c90a77b", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 99.89, "unit": "crore", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "1243cdbd-968c-4ba8-bc08-4d6e1bd76f28", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -11, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "1aa49e82-d4d7-49ec-afc9-d4151e3099c3", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 20.95, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "1bd2a234-09d3-4a07-9f1c-475bf3913633", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 123395, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "22ed00b1-85bb-4164-8ec5-216fc8c3e0d2", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 74.14, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "390940e3-f547-4f92-b09a-548433b07b25", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 77.09, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 8", "source_page": null } }, { "id": "41e6a0b8-bb5d-4400-aaf6-8ef6f512cbd5", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 77, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "43f69b80-8a0b-466c-83d8-414a7ce97dbd", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 120.48, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "45a5e372-fede-4611-ad1a-0ec93bf28668", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 6", "source_page": null } }, { "id": "48599dd4-f9be-4a62-b2e4-ca641748cb45", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 6", "source_page": null } }, { "id": "4a5e78d1-5d38-459a-9ad9-f2048a4f71c1", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 84.77, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "4ed69351-cbc4-4a83-8bd6-67ed12403ddb", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 118.8, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "4f9ae82a-78b1-49cc-a15f-86aafa8d1c97", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 48.79, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "521cd2b0-6a42-466d-9e8e-8ec3d64f9950", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 118.09, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "5239a19c-c9a2-4dee-9130-7294faff1cbb", "metric_id": "financial.combined_ratio.segment.aviation", "metric_name": "aviation combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 8", "source_page": null } }, { "id": "58a5b005-048a-40c4-8dea-8bb91c89c166", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 133.62, "unit": "crore", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "5da10172-7459-4c32-9919-1e3c9deeab28", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.787, "unit": "x", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "6d59a43f-6a35-4632-a5bb-27589bf52ff9", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 14.18, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "71572308-782b-45b6-830c-f4ed99d417bf", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 86.42, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "733a4d1e-b88a-4e0f-a84d-398a4888ba84", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8", "source_page": null } }, { "id": "73cf7905-4ea7-47b7-a0ac-e79dfeb9a712", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 81.12, "unit": "INR", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "7ad148da-1805-4327-928f-8665803bd2fe", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 107.16, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "80267325-d12f-46e3-9230-e481960fc176", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 76.39, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "8029a3c5-0e9a-4b43-a66f-f182dfbff60f", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.83, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "8ab15713-8e5f-4815-b260-3070a92a3f4e", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 73.29, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "9d0363f5-a1d9-4cbc-a3c2-508d80f5ee76", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 53.93, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "9d1b8da2-4e54-401f-9f58-531a4ddce9b9", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 74.93, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "9f63e5e4-5627-4253-8785-c73bc575e6d8", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 106.05, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "a366e323-661e-45f0-aa87-685c4a1586aa", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 220460, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "c509507e-ffaa-4e1e-8d18-3b9fab47be37", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 124.87, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "c87a48d0-af18-44ad-ad95-05f8f9fb37f0", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 163.92, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 8", "source_page": null } }, { "id": "cb2b0e56-50e0-46e6-b3a9-6a91eb02844d", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": 1.05, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "cebc6221-8763-4d08-b76c-8263c656d810", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 22.13, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "d4b85c57-fd7c-4caa-9bd8-9942d9133f8a", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 110.33, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "d896a9ed-9bed-42e0-b8a2-5413af0d6d80", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 3.34, "unit": "INR", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "daa7aa58-8974-40cc-9b86-c07b039c4249", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 7.2, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "dca00768-e394-476a-9db3-aad5306a408e", "metric_id": "financial.incurred_claim_ratio.segment.aviation", "metric_name": "aviation incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 6", "source_page": null } }, { "id": "df9162dc-15e3-4b96-a734-ce713036d262", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 12.2, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "e195e01e-bb5f-4c48-bb63-dcc036b94e31", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 80.32, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "e6465ee9-97de-4847-af1d-a5b81638cd36", "metric_id": "financial.debt_equity_ratio", "metric_name": "debt to equity ratio", "value": 0.04, "unit": "ratio", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: debt_equity_ratio", "source_page": null } }, { "id": "f0fae113-fa90-42d6-9eb8-1e370fa01a03", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 78.71, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "f4b8fd83-38c7-405f-ba1d-0a1db927ad23", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 74.5, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "f6e28cea-0e19-4ecf-873d-b12c78f62c9f", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 23.74, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "fc28a830-9723-493a-bb50-feba1cc927b6", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 6.39, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosures_for_Q3_ended_FY_23-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "067692f9-bdbf-4333-9e4f-17816dead0fc", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 107.54, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "18149d43-54a7-4940-9e59-7a13282c0bec", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 7.58, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "18a9c385-0c7f-431b-8f04-19db1a30cfe5", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 6", "source_page": null } }, { "id": "196437ac-7ac9-4f1e-8275-7a3a556bcd86", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 123.55, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "19ce36e6-1b07-4d49-b296-b7f6a3ae0d50", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 111301, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "1c43422b-5f79-4bae-82c3-fa26a26cd05d", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 7.7, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "204f4551-a4fa-4b41-9336-f3902c4ccc54", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 7.18, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "2484bc89-f198-4d59-8ab2-b7a472e1d391", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 210310, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "3311d285-9168-41ed-8b60-26d793b9d6d0", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 74.29, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "3386e6a0-0ed4-4aae-9a44-829bc9851d27", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 2.53, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "3cfb0036-bf10-4b9c-adaf-832c5631cfb7", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 72.63, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "3eeacf1a-b370-429e-99ce-dec4db06b907", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 3.29, "unit": "INR", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "50a6b221-edfb-478f-91e7-9370ccd00c08", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 105.09, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "57464ea4-1ff4-4566-96b4-d2be8d3df496", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 98.18, "unit": "crore", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "5f101b97-bb75-4cbe-be71-c75a936c7f37", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 120.75, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "7cc56f34-456f-44f7-9f6f-5903ab9d379e", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 122.86, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "7efb63b5-b7c3-4744-a97d-6a535ec087f5", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 39.69, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "8289f5b2-9a50-4e06-b3e9-abf70ad45254", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8", "source_page": null } }, { "id": "84261f17-4891-4514-8dce-f527c4819cc2", "metric_id": "financial.incurred_claim_ratio.segment.aviation", "metric_name": "aviation incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 6", "source_page": null } }, { "id": "8deabea0-9824-4913-b3df-e3db9ebd5f97", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": 1.75, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "8eb558b4-efd3-4e49-9896-01a28cc9e4c2", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.89, "unit": "x", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "945a02ea-545c-4b71-80c6-9b1ec91163c9", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.83, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "9aead31b-04ac-4c8b-a7e5-909c42ad8740", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 86, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "a319dbef-1159-4475-8b44-3c50af6f3b3b", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 34.82, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "a458e2e1-7870-4dc3-a998-e55b57dbcea9", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 131.75, "unit": "crore", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "a4c74ce8-0b16-4be9-9a98-f725c5cca335", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 73.84, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "a7f9c0eb-a63d-45f7-8bf8-22c9d8c11e73", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 82.86, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "ac84a221-78cd-4344-9532-23ddacd44a25", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 76.82, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "adf92b3c-417a-45d7-864b-a4f945bdf305", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 76.29, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 8", "source_page": null } }, { "id": "af4c16b2-23bb-4b1c-ada8-8f3b4fd744d7", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 77.77, "unit": "INR", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "b54f2194-af45-4c70-9a9d-fe57e349cac3", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -11, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "b5bb9815-c55a-48d5-99e1-883d30b9a0b3", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 169.15, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 8", "source_page": null } }, { "id": "b89fb32f-4e94-403f-bd57-c6da07676289", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 17.53, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "bc581b6e-35b8-44c9-b679-86fc8e311886", "metric_id": "financial.combined_ratio.segment.aviation", "metric_name": "aviation combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 8", "source_page": null } }, { "id": "cccd5b74-fbef-4fc1-b7c8-6010821f69e6", "metric_id": "financial.debt_equity_ratio", "metric_name": "debt to equity ratio", "value": 0.04, "unit": "ratio", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: debt_equity_ratio", "source_page": null } }, { "id": "cf0590a2-4efa-42ca-80f3-8c71315547c1", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 123.61, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "e0a0d73d-9e00-4107-8bd5-62548a1575a2", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "e513b31b-065b-4188-887e-cf2dab5b2baf", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 6", "source_page": null } }, { "id": "e6448be1-a6cc-4dd5-abcb-2e81d127f0c6", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 47.18, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "e81994ce-f267-4ab9-8430-03af27b0850a", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 34.97, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "e95cc1a1-f76f-4855-8770-ff01aacdeb19", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 20.48, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "ea6edd0f-a303-49c4-b6d1-b12bb57835f5", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 108.27, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "ea7bc46f-8710-4071-a12a-f9af2bd03c4f", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 85.51, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "ed66f4ce-c7bb-4673-9d65-83738a9f3995", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 80.17, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "ffb548cd-7469-4afb-ab04-a687a5860ba0", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 68.16, "unit": "%", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY23-24", "source_document": "Public_Disclosures_Q2_and_H2_Sep_2023.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "0130dff5-bccf-460f-afb7-694249a07ec8", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 66.57, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "01f26483-283d-4693-846a-65d14c2639a3", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 63, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=168,110 vs Grand Total=168109.0)", "source_page": 8 } }, { "id": "07b4c2f4-ac96-4365-96a8-b865dc715127", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 9063, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=168,110 vs Grand Total=168109.0)", "source_page": 8 } }, { "id": "082af28c-38b3-44dd-b0a3-f185aa97bad4", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 47963, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=168,110 vs Grand Total=168109.0)", "source_page": 8 } }, { "id": "139d4f82-0beb-462d-9018-12888762912a", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 6", "source_page": null } }, { "id": "15c14f3c-b605-4e34-b62d-e8eb4a449057", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 1681.1, "unit": "crore", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-35-QUARTERLY-BUSINESS-RETURNS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-35 Grand Total YTD premium", "source_page": null } }, { "id": "182971c5-0198-4fac-8c7c-c276c52c90dd", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 17.29, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "1b98cc15-4913-4b1b-ae7e-676fd4b8b6d8", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 112.92, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "1cdd2883-c40b-4546-90d4-cb7fee50c145", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 71.95, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "251c3cf1-c7b8-42da-8706-68eda200ed01", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 105.28, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "2740e663-af96-417e-9ced-502c755535e2", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 59.45, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "2915fa5e-c50d-4386-a6db-1a9ee15aa1ff", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8", "source_page": null } }, { "id": "30638e05-e239-42f5-9f4e-f5b1f9abeed2", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 49.96, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "30e910ad-553c-47a1-bdda-dabe0fef6fde", "metric_id": "financial.gross_direct_premium.segment.aviation", "metric_name": "aviation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=168,110 vs Grand Total=168109.0)", "source_page": 8 } }, { "id": "4ae09de1-0cc7-4f60-9514-1926ed92576e", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 87.75, "unit": "crore", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "4cc4b72d-26c0-4d2c-9472-146f9c897a84", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 252, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=168,110 vs Grand Total=168109.0)", "source_page": 8 } }, { "id": "534f6eb4-658b-4254-bee5-ff09bf2af3b3", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 6", "source_page": null } }, { "id": "5917932c-7f0c-4fd4-9f38-e8881a8cc062", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.959, "unit": "x", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "5a5db86e-24db-48d7-851e-bd09aac3b5bf", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 74.49, "unit": "INR", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "6b862566-7f5c-46e6-8f4f-a11bb655b100", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 5.32, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "76a2c5da-2d9f-4444-ad55-ab96738d1855", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 30.29, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "76be8455-efee-49d0-a7b3-d221e2cae01b", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 18135, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=168,110 vs Grand Total=168109.0)", "source_page": 8 } }, { "id": "76ff6dce-ffa0-4a18-9368-e7fe34a64659", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 5.35, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "7de9f060-ba93-446e-a7b3-eba6f70f93f0", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 76, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "7f1ec3eb-f1e4-4a70-bc85-63a98b9401f3", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 74.53, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "811dc306-8c40-4f35-aa12-ce86c230e682", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 7.48, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "819c27d2-9caf-4b91-a797-c6c4452feabe", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=168,110 vs Grand Total=168109.0)", "source_page": 8 } }, { "id": "832cadc0-6207-4853-ba06-5ab71d173d42", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 257.86, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "856c17e7-3b9e-4c66-a66d-b1fef3a9a22f", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 282, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=168,110 vs Grand Total=168109.0)", "source_page": 8 } }, { "id": "88453276-c1c8-41d4-8f44-b1696e94764b", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 21791, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=168,110 vs Grand Total=168109.0)", "source_page": 8 } }, { "id": "89eba5f3-e980-45e6-bd51-9a7ae329a7c0", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 63060, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=168,110 vs Grand Total=168109.0)", "source_page": 8 } }, { "id": "8af43ebc-c027-46e6-9613-b868d0fd9c46", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 2.19, "unit": "INR", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "8c745fa8-836b-40c2-9f74-f709d0c10f8f", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 130.14, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "8dc33b4c-d36e-4ef2-a8ae-b73c3cb5ab08", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 74.88, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "8f0badc1-1f0e-4200-8cbe-5d6f770dd0bd", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 80.11, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 8", "source_page": null } }, { "id": "95b386b1-8a9c-4d0b-86d4-b9af033e8e9c", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 91.3, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "95f61cb2-eba4-498e-9730-0361b21dd174", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 102032, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "9b5476a1-a6fa-4c12-a52c-aebf6a1a70a5", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 2400, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=168,110 vs Grand Total=168109.0)", "source_page": 8 } }, { "id": "ab16eb53-cfec-4aa0-9a6d-17bd768ee793", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 462, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=168,110 vs Grand Total=168109.0)", "source_page": 8 } }, { "id": "b1c15497-27f2-43f8-ab9e-683e8717633a", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "b3cf3e73-7694-45a8-907d-11557286e525", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 3569, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=168,110 vs Grand Total=168109.0)", "source_page": 8 } }, { "id": "b72c65c4-c2cd-4e52-bf0e-c90d15d6fc4f", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 65.48, "unit": "crore", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "b997a133-111a-497b-bd6b-3e14c45c2b98", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.89, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "bf012ba4-1879-4f3d-8dd5-1a5cf034cdb3", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 48.1, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "c406f75a-e759-4d6a-845e-fbfb9a68c0b2", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 77.16, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "c5639aef-9269-4bbb-98b4-5e8e400139b4", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 85.14, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "c60b0787-ca52-42b3-bbe4-87a12c46a526", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -15, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "ca9be81c-b30a-47c0-ba62-fbb60a5204a9", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": -25.28, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "cc1b10df-7645-422e-9235-20af97a6f5dd", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 3.03, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "ce375bd3-9bb4-4542-ad32-d4fc1b05b43d", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": -53.64, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "d0a8673e-6841-4916-afc5-c98aeed6a069", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 1070, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY23-24", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=168,110 vs Grand Total=168109.0)", "source_page": 8 } }, { "id": "d8500e76-2af7-4ed5-ac24-01b11d527c93", "metric_id": "financial.incurred_claim_ratio.segment.aviation", "metric_name": "aviation incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 6", "source_page": null } }, { "id": "dc7bec21-aedf-41c7-a1ae-ffb689278fc9", "metric_id": "financial.debt_equity_ratio", "metric_name": "debt to equity ratio", "value": 0.04, "unit": "ratio", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: debt_equity_ratio", "source_page": null } }, { "id": "de173e4f-c2bb-43f8-b900-a279e69a6b01", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 308.13, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 8", "source_page": null } }, { "id": "df72a68b-bb99-4312-beb9-2584bc486bd9", "metric_id": "financial.combined_ratio.segment.aviation", "metric_name": "aviation combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 8", "source_page": null } }, { "id": "df90d1af-38b0-434b-bc9f-4bf4fc576fa1", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 128.33, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "e53f5998-ba36-48dd-bd7d-e24a57d49f42", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 21.16, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "e637d62d-349f-473a-a4b7-c9f0d67e593b", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 147.4, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "e9678977-a3fc-42f9-a297-7d8beb9f96b5", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 105.78, "unit": "%", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "fc9f388f-ba4e-4887-81ca-d7be57310f48", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 199840, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY23-24", "source_document": "Public_Disclosures_for_Q1_FY_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "07786787-8c48-4851-aebe-9835fd19c11c", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 6", "source_page": null } }, { "id": "083953ed-3f53-4498-a47a-9b13e1e767e0", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 82.34, "unit": "crore", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "0ea28df1-e088-4910-9b7e-ff5743e3229f", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 18.66, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "0fe3527c-b45d-47bd-b685-29611e039221", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -12, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "182cbb5c-77d3-4a15-b5c7-4bef01ed6f79", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 74.1, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "200a4db3-35d1-4725-8db2-ac7bcd7f3ccc", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 122.8, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "249801ca-5c9b-469e-98f7-0f05bdec7bc8", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 19.87, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "26c285cf-7aa6-4058-8129-f4887575fe61", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 80259, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=176,710 vs Grand Total=176710.0)", "source_page": 8 } }, { "id": "29b481ab-10d2-447a-81ee-341de12edeac", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 104.21, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "2aac430b-11fa-4c03-b3b5-54b3860e1dfc", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 27.86, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "31b69fd9-ae0f-4387-8fe5-202f5a57f1ce", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 6155.99, "unit": "crore", "reporting_period_label": "FY23-03", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-2-40", "reporting_period": "FY23-03", "source_document": "IRDAI Handbook Table 40", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "33ccaf7f-a8cd-4aea-9f1b-356a3807ced5", "metric_id": "financial.incurred_claim_ratio.segment.aviation", "metric_name": "aviation incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 6", "source_page": null } }, { "id": "360c55c2-5642-4b03-8987-1db2eaf73f2a", "metric_id": "financial.gross_direct_premium.segment.aviation", "metric_name": "aviation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=176,710 vs Grand Total=176710.0)", "source_page": 8 } }, { "id": "368dff25-cd9a-4616-9840-0a9794f43269", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 192528, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "38776627-0e40-450b-98bc-1a21954c1f78", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 2.76, "unit": "INR", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "3c6a427a-f5b7-4f89-a64b-4610a6ae6c82", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 11.65, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "3c7b7562-684b-4542-b645-a861d35815f6", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8", "source_page": null } }, { "id": "423727ad-ab8e-4454-afbc-37a9fda6d0c8", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 153.97, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 8", "source_page": null } }, { "id": "463600cb-fc30-48b2-bf1c-a8ece969a2f5", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 179, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=176,710 vs Grand Total=176710.0)", "source_page": 8 } }, { "id": "493f17cb-edb5-41e9-9819-7b31de0920e4", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.74, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "530707b1-5dc2-43e0-a6a5-dea83870beb7", "metric_id": "claims.repudiation_ratio.nonlife.count", "metric_name": "claims repudiation ratio", "value": 6.0205, "unit": "%", "reporting_period_label": "FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-53", "reporting_period": "FY22-23", "source_document": "IRDAI Handbook Table 53", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "53410d18-e28e-43b9-ac64-2099118dcc8f", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 379, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=176,710 vs Grand Total=176710.0)", "source_page": 8 } }, { "id": "54ffe986-e9a4-4e3f-ac77-820507c7a1e5", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 142.89, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "5633c500-20d8-4827-91dc-8f1ec077a53e", "metric_id": "financial.combined_ratio.segment.aviation", "metric_name": "aviation combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 8", "source_page": null } }, { "id": "61b279aa-cc12-4e58-87fb-5e78245fb7c1", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "65539f32-169e-4755-a178-ad71959da040", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 93, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "657f982c-ad29-45ee-aa44-7e1a2868bb91", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 50229, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=176,710 vs Grand Total=176710.0)", "source_page": 8 } }, { "id": "6aca62b6-7494-4f4b-acc1-460ec0253ccc", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 34.08, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "6e2de661-2a9b-45ed-a9e3-121ac1fcf8f7", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 72.3, "unit": "INR", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "719c5ed1-b273-425d-a9b1-dfa5557b0249", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 26, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=176,710 vs Grand Total=176710.0)", "source_page": 8 } }, { "id": "757b067d-a647-41f8-8589-5f45e245cb12", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 61.18, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "77f8c478-19b4-47de-9dd8-4f04a310f176", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 16627, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=176,710 vs Grand Total=176710.0)", "source_page": 8 } }, { "id": "7c11f7e1-5917-4a17-ac6a-cdc2e372253d", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 6", "source_page": null } }, { "id": "7f158764-b61f-46b3-bf64-e50782da722c", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 2609, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=176,710 vs Grand Total=176710.0)", "source_page": 8 } }, { "id": "81564519-e345-47a7-bde4-9697de75d282", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 82, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "8427fd45-cb0b-4319-a283-898933e5e81d", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": -210, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=176,710 vs Grand Total=176710.0)", "source_page": 8 } }, { "id": "85df8319-798a-49ba-b08b-e34f12a1c963", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 22.54, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "9039802a-be64-4fed-9111-78a3d4861b89", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 39.49, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "93cbbe78-0ef3-4800-8d35-f51817113908", "metric_id": "financial.gross_npa_ratio", "metric_name": "gross NPA ratio", "value": 14, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gross_npa_ratio", "source_page": null } }, { "id": "95f9db94-8152-4500-9bc5-c7bb0357626d", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 840, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=176,710 vs Grand Total=176710.0)", "source_page": 8 } }, { "id": "9853c86a-b047-4e40-a37a-6f2eb091b909", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 75.79, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "a53053ec-7ace-43f1-b7c0-d47f825491ee", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 16155, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=176,710 vs Grand Total=176710.0)", "source_page": 8 } }, { "id": "aa31218b-36fe-4dd9-9b09-a0d44de1bdd1", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 6.23, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "aa891178-19bf-4b28-aefc-c0a7d949119a", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 2173, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=176,710 vs Grand Total=176710.0)", "source_page": 8 } }, { "id": "b0394646-a884-454f-94e1-1d9a51e47ba0", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 74.4, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "b2c6cda8-8d4a-46e9-8a79-2477f9f4c35a", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 70.82, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "b3e61508-8c35-4fc3-bf24-1511320cab38", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 108.46, "unit": "crore", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "b6ce3b79-1a89-4705-973b-f420f2580b8e", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": -5.08, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "b713941e-2258-4fda-adc9-a02b8bc933d6", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 95665, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "be48434e-1a89-4dd6-873a-9f595c2ec76d", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 170, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=176,710 vs Grand Total=176710.0)", "source_page": 8 } }, { "id": "be6c4de4-1446-4f14-9753-711e0b4bfb16", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 37.15, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 8", "source_page": null } }, { "id": "c385ca3e-5652-4dad-9b39-4199b2fa7d03", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.01, "unit": "x", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "c8ef4c49-d30e-4818-9723-3c977a5bfa1c", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 1.13, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "cc4a4430-7167-4c76-9ffe-c5557f52d067", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 48.96, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "d7edaabd-7172-40b4-a2ea-11f9174522b6", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 10.13, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "d8bf3ddd-ac78-4732-b226-cff4715b00df", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 7274, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=176,710 vs Grand Total=176710.0)", "source_page": 8 } }, { "id": "dcaf7f68-3e51-4e00-bae4-7941bc1f736b", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 111.84, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "e35273c6-18c1-4c9b-bf02-3df5b7c81af5", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 84.13, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "e3fe815b-138f-45df-bb93-07186db43d57", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 35.9, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "e523ce92-f4eb-4a26-a148-b33c7f3b4b21", "metric_id": "claims.settlement_ratio.nonlife.count", "metric_name": "claim settlement ratio", "value": 76.0168, "unit": "%", "reporting_period_label": "FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-53", "reporting_period": "FY22-23", "source_document": "IRDAI Handbook Table 53", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "eccde5fa-2a10-4542-8f8a-ac2517708696", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 62.89, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "fd7b1744-353a-4028-9729-739d08334389", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 114.92, "unit": "%", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "fea71a53-d125-4838-be85-3c1ce655942a", "metric_id": "financial.debt_equity_ratio", "metric_name": "debt to equity ratio", "value": 0.05, "unit": "ratio", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY22-23", "source_document": "Public_Disclosures_for_Q4_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: debt_equity_ratio", "source_page": null } }, { "id": "0c04da66-2ecb-46eb-b492-95ee1294ce90", "metric_id": "financial.combined_ratio.segment.aviation", "metric_name": "aviation combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 8", "source_page": null } }, { "id": "0d0017cf-7394-41c2-a984-dbd86289793a", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 150.4, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "0e4fd6cf-c0a1-4c6b-b33c-9f403b22e4a0", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 43.31, "unit": "crore", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "1767242f-3e09-4dfc-b271-e02f316c285f", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 145.36, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "19f9428c-04fe-4bd0-8e16-8e1d3d94b01f", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 118.61, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "2aabd5f7-73d8-417d-9d1f-212c765e202d", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 1.45, "unit": "INR", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "2e806eb2-3d24-4e4d-b819-d2cc36b7e6be", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8", "source_page": null } }, { "id": "318faa54-3b0e-4767-bfe9-2a22741b7c1f", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 63.54, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "3c81dcc5-f3c9-49ec-9033-e9424f5cddcd", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 18.72, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "4310b757-1844-45fc-9cd6-d218e74b3b77", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 69.73, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "49bc94d3-d9ff-4521-9750-68b86923f3d2", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 57.63, "unit": "crore", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "57007ffa-2a9a-42bd-b99c-02f3f5a93074", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 6", "source_page": null } }, { "id": "6032db7b-c7dc-4958-8a59-ba7f11e26acc", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.74, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "61014033-ed9b-4790-890d-cbef47a9f140", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 77.8, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "6318779a-ad09-4b3c-a7e6-b028b358c3bf", "metric_id": "financial.debt_equity_ratio", "metric_name": "debt to equity ratio", "value": 0.05, "unit": "ratio", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: debt_equity_ratio", "source_page": null } }, { "id": "651ccc3f-e9e2-414b-9038-c891abff3c72", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 3.01, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "66ce35e4-2370-4e7d-9a80-d9570ff75b85", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 101.64, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "6bdfd88b-30fd-4fc2-99ed-27455ea5464c", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 91.58, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "7277afa3-7d41-4621-8703-1a731867ffaa", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 6.77, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "7410a602-81cd-4db1-b1c5-be6294fb6bc4", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 25.72, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "76a4dee4-7968-4cb3-900f-8692af905160", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 3.44, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "7844f134-7beb-4fa8-b6f6-c8d7f34ebd26", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 76.93, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "7ac0b33f-919f-4566-a654-5c22fef27c48", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "88c10d3c-cbf8-4882-b7e2-c3be8f9ee1b0", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 78, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "912cca25-92e7-4b85-9d54-022464c54207", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 113.43, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "9626beb2-af54-4410-8f3d-0a0a4ad027e6", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 45.77, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "9b80d555-eb43-4b63-b388-c6fef9390863", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 37.98, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "9ea3e23f-7118-4f67-aed7-7c278a6dacd4", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 66.03, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "a6d9b5ff-4033-4f4a-9a15-6fa4285aca2d", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 6", "source_page": null } }, { "id": "a7992ffa-ac85-4345-9076-ab2ce7474f40", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 71.5, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "a9ed8a23-d2aa-4643-bd00-35c67874358e", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 90293, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "b2c13e91-8737-429b-a1c9-849e0d18482c", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -16, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "b614de0a-1157-4f15-a7ca-46f2a099009c", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 183.61, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 8", "source_page": null } }, { "id": "bb833cdd-fbcf-4441-8b89-a080c2fe52d0", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 53.24, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 8", "source_page": null } }, { "id": "c9679e1e-4cc8-46e7-9987-b5f045b5b501", "metric_id": "financial.gross_npa_ratio", "metric_name": "gross NPA ratio", "value": 29, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gross_npa_ratio", "source_page": null } }, { "id": "cd6abbbc-de2d-404e-8108-8e586eb0bdba", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 107.72, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "d15a3975-fe75-41b3-8927-c5ab2962c914", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 65.93, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "d5639b6e-4689-4088-b547-b5cc9a42f32e", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 76.56, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "d5a71e35-217f-4416-8639-4d510a7f81f4", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 185632, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "da89357e-a50a-48a9-9c0a-12bc87d08097", "metric_id": "financial.incurred_claim_ratio.segment.aviation", "metric_name": "aviation incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 6", "source_page": null } }, { "id": "dd704222-c387-4111-8c50-934b016f8dde", "metric_id": "financial.net_npa_ratio", "metric_name": "net NPA ratio", "value": 9, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_npa_ratio", "source_page": null } }, { "id": "e19bf757-5bf8-48f6-bfa6-c7a0f5c82dbb", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 69.54, "unit": "INR", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "e8a5a925-1dff-4df4-ae49-cc20a434801c", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.056, "unit": "x", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "f3f9436c-b04f-49a8-a795-b9c5c2ca85dc", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 23.11, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "f63431ce-2984-4615-90e3-85d21ae2696d", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": 3.08, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "f652d4f2-354c-456d-a5da-8a1cd38177b9", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 14.22, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "f6f4e2fb-0c40-486b-99ff-2a4b87c2b3d1", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 30.77, "unit": "%", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY22-23", "source_document": "Public_Disclosures_Q3_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "0c09b956-57c4-4820-9a4d-ce186cdc0335", "metric_id": "financial.gross_npa_ratio", "metric_name": "gross NPA ratio", "value": 30, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gross_npa_ratio", "source_page": null } }, { "id": "0e2a7aeb-d805-4805-b4dc-5c2521eb0fc2", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 68.09, "unit": "INR", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "1b5fabbc-0e09-4bd6-a9f8-5b0b42b12229", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 3.18, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "2e5fe405-9289-448d-929b-2be84523ee09", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 140.02, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "2f651a05-7f29-415c-99c8-b94f426dc9cf", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 115.96, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "39828d0e-950a-4c99-8961-f64ea5a39a43", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 77.04, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "45eefcd1-9dfd-41ee-af4d-bb7cb93306c1", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 60.69, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "46879d09-ebc8-45a3-bd7a-8841f02a66b9", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 88.97, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "491154d7-ce95-454f-916f-25917ddb6965", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.77, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "4b86f880-ed45-4ad1-bda2-9758c555ecc6", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 29.97, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "4f3e23d2-ca8a-4d7a-972a-2df8e09af376", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 33.74, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 8", "source_page": null } }, { "id": "5692d070-2a51-4bfa-95df-ee8e909a2dd1", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 181838, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "58c45c94-ff3a-4e7c-98d5-acaf2dc5cff7", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 81.03, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "5bbe072f-57ff-4290-8684-821a366d7a1c", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 22.07, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "5ce8eff6-7ee0-4d57-ad99-604590a3582f", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 20.64, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "5f151b2d-cebe-4a0f-8675-9e978de1d1c0", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 56.62, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 8", "source_page": null } }, { "id": "60ef8504-1682-4940-8876-d45e60ed80dc", "metric_id": "financial.incurred_claim_ratio.segment.aviation", "metric_name": "aviation incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 6", "source_page": null } }, { "id": "6dfd90d7-98ba-4142-92c0-7412a5a566a1", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 47.08, "unit": "crore", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "7ccf968b-f53e-4747-8eb7-68445de47172", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -17, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "7d48f654-205e-492c-bf29-b09e51b66bac", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 34.84, "unit": "crore", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "7d733762-eb81-4b37-b727-c8950853a02b", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 3.39, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "81d9d490-6387-4079-9a11-e4427276328e", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 6", "source_page": null } }, { "id": "8254ffd0-4aff-458b-9781-0c357ed6d9eb", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 6", "source_page": null } }, { "id": "87ccae2e-cb25-42e0-a2bb-df197f0f3714", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 72, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "8dc37ea4-abc2-4618-b8a2-ab7bcee49615", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 63.91, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "8f977079-0af5-4eb4-ae23-7b1d3ab2218b", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 79.16, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "8fd2b472-f8e5-4acf-8d54-5260f98d2bc1", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 59.44, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "92adc871-7284-4e16-af52-07535bbd90d8", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 5.52, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "948a3975-1e21-49e6-be8f-d077afff64c3", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 16.78, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "99c82044-ba94-4a19-ad61-1c05ae7c0210", "metric_id": "financial.net_npa_ratio", "metric_name": "net NPA ratio", "value": 9, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_npa_ratio", "source_page": null } }, { "id": "9c29516d-3952-4ba9-889b-19822fd10e00", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 122.94, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "a2b1652d-e8e7-4ba7-8bc4-f06943abdb03", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 15.87, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "acf5ada8-7804-44a4-8881-92787813c630", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "adf84dda-6632-42e5-816c-18cb3d573108", "metric_id": "financial.combined_ratio.segment.aviation", "metric_name": "aviation combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 8", "source_page": null } }, { "id": "af52857c-f8a1-4e8e-babd-532bcb15c7cd", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 112.39, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "b42f05e6-c601-4f15-8e32-412f140238d4", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 73.02, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "b4692b49-ffb5-4e79-af87-4f4382e6c955", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.13, "unit": "x", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "b508538b-7b76-4b9b-af0b-ec5b739758ef", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 72.53, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "bea18f84-f3c9-4d90-8c33-bcc15f7d09b2", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 73.75, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "d03fa3a2-6c69-4c71-a203-929655072b18", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 1.17, "unit": "INR", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "d5aa1a56-7771-45a0-a059-381e85371970", "metric_id": "financial.debt_equity_ratio", "metric_name": "debt to equity ratio", "value": 0.05, "unit": "ratio", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: debt_equity_ratio", "source_page": null } }, { "id": "dd3eedbe-6698-4089-8cd9-c3e601b0261b", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 98.78, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "ddf39da3-782a-4137-af97-3d5019939189", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 13.51, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "e34ccb62-7af9-47ab-8b3d-f85644fe6cf4", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8", "source_page": null } }, { "id": "f3c33b1e-ea80-4949-b4ef-794346faadd5", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 85354, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "f6983649-1c0b-48f3-9ffd-4d7e933d583a", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 38.83, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "f935d2ab-30a5-49a8-af95-eb5f7b46e5e7", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": -6.35, "unit": "%", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY22-23", "source_document": "Public_disclosures_for_Q2_and_H2_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "0bfec5b6-b546-4180-b38b-f9a62260d970", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 38.16, "unit": "crore", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "111ca972-41bf-4286-8506-af8cc0729dd0", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 1815, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=129,031 vs Grand Total=129031.0)", "source_page": 8 } }, { "id": "119c190e-630f-49f3-a118-09fcfdd285d2", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 72.04, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "1d0d781b-ba8e-4f43-9966-e2bff0fcc73f", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 81660, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "26117840-d62d-4cbc-b14f-bb33ea2ec57b", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 114.92, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "27880687-675e-4a4d-95c3-bbf99aba9be5", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 65, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "27e4cacd-d399-4770-b3d5-118eff9d5288", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 80.68, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "29f19b04-0bf0-4ed2-a2f6-6cc2ca7ae325", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8", "source_page": null } }, { "id": "2b44dc77-b671-45c6-ab92-e8550d4ed054", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 53.47, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "2fbec837-466c-473e-9052-2936ba3b7d29", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 71.72, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "30a03c43-9b44-40a9-9ccd-7c2812d9b3e2", "metric_id": "financial.gross_npa_ratio", "metric_name": "gross NPA ratio", "value": 31, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gross_npa_ratio", "source_page": null } }, { "id": "38f4beca-d568-46c2-b05e-9bb527eb033e", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 77.57, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "3e355e93-0302-411c-9ce2-bc6c7acbfa6b", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 131.5, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "46ce12fb-2700-42b7-a708-245162a98a5f", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": -104.95, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "47faf6d0-2306-4065-be7d-e51f94bdd7ac", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 87.88, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "4da73e8d-a4e1-4550-947d-c80eeb970153", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 49559, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=129,031 vs Grand Total=129031.0)", "source_page": 8 } }, { "id": "4e8842c5-27ef-4c5c-8c49-69e4b8406f41", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 118.23, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "508feb55-77a2-468e-be30-4c4aad1a440f", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 46.49, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "509fec15-afe6-4e09-91fc-d8db652d98a4", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 10.31, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "5559ffc9-ce24-42b3-b139-6fe2712b414d", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 16, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=129,031 vs Grand Total=129031.0)", "source_page": 8 } }, { "id": "58bd977c-5280-457c-b460-eb724e4997d0", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 3006, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=129,031 vs Grand Total=129031.0)", "source_page": 8 } }, { "id": "61186b5d-438e-41c3-b9dc-6fe2c4b4c6ec", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 13805, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=129,031 vs Grand Total=129031.0)", "source_page": 8 } }, { "id": "63004071-b6c1-4e64-b04b-909579fe7dc2", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 68.19, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "66fdb2fb-6d67-460f-afb8-ec851621baf1", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 32523, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=129,031 vs Grand Total=129031.0)", "source_page": 8 } }, { "id": "6a3dfead-3667-403b-8f55-4f575484165b", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 3.46, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "77301b54-61c6-483b-8361-57ff691fa977", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "7c9c3311-0191-4aa2-991f-a41677ec9955", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=129,031 vs Grand Total=129031.0)", "source_page": 8 } }, { "id": "7eaa1e16-f238-4115-a80e-1ab5e4d75981", "metric_id": "financial.incurred_claim_ratio.segment.aviation", "metric_name": "aviation incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 6", "source_page": null } }, { "id": "81670631-c4e5-4687-af82-026628557c16", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 11.17, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "848c7474-5a18-42f5-aba1-d7b5fa9fc8a1", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 7749, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=129,031 vs Grand Total=129031.0)", "source_page": 8 } }, { "id": "87ae73aa-58a4-4b2a-9958-1d77040a03eb", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 465, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=129,031 vs Grand Total=129031.0)", "source_page": 8 } }, { "id": "8bcb9453-c621-4cd1-a010-ee9cc8c7cbae", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 190, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=129,031 vs Grand Total=129031.0)", "source_page": 8 } }, { "id": "90405afa-ce49-4389-8759-2c10b1eab264", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 4.55, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "931c9300-01de-42e2-84de-bdee9f383ad0", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 4.09, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "95eda9e5-4ae3-4139-93db-f6774567148c", "metric_id": "financial.gross_direct_premium.segment.aviation", "metric_name": "aviation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=129,031 vs Grand Total=129031.0)", "source_page": 8 } }, { "id": "9ab0d8c7-8dfc-43e2-8a84-2fe29463efe1", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 64.15, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "a3760328-65a6-4cb7-a75b-8721eb1afd3d", "metric_id": "financial.combined_ratio.segment.aviation", "metric_name": "aviation combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 8", "source_page": null } }, { "id": "a730e605-d7ca-4e4f-bf73-043cac461804", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.075, "unit": "x", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "a7a5be2c-494f-4e85-a6cc-be811aa84f2b", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 1.28, "unit": "INR", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "a83171bc-44e6-4f4e-8b28-7ca94e1228ba", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 202, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=129,031 vs Grand Total=129031.0)", "source_page": 8 } }, { "id": "ab44bab4-eb62-4e15-9781-74e3a93959d0", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 6", "source_page": null } }, { "id": "ac7beede-44f4-4460-aeeb-aeaa46bd2ba9", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 130.59, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "aca5d002-f01c-4423-a14c-378dd1ea5799", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 810, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=129,031 vs Grand Total=129031.0)", "source_page": 8 } }, { "id": "b404b78f-996a-4992-ab63-51645d99a367", "metric_id": "financial.net_npa_ratio", "metric_name": "net NPA ratio", "value": 9, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_npa_ratio", "source_page": null } }, { "id": "bb5e393d-c136-4318-bc06-895a38299fb3", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 12.33, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "bc9f68ed-2ae3-4913-a45e-269ca2988aad", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 18891, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY22-23", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=129,031 vs Grand Total=129031.0)", "source_page": 8 } }, { "id": "be2d2d33-0a01-4435-bbee-9632348201d6", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 79.06, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "c68a8c47-9853-4714-93f3-40430663dfc9", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 75.77, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "cea370ac-9271-4e30-bc16-8294cc611e42", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -15, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "d15c8bf0-ac01-48a0-a676-e11922fb4282", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 13.15, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "d6f6cdae-a8dc-4c40-9445-e140fd5cdc74", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 1290.31, "unit": "crore", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-35-QUARTERLY-BUSINESS-RETURNS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-35 Grand Total YTD premium", "source_page": null } }, { "id": "dcc1556d-a414-4cd8-ab58-0870f32fe77c", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 6", "source_page": null } }, { "id": "e07a8a94-2301-4181-abb1-f7a770099722", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 21.91, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "e1a092dd-3aa4-4dab-8d42-4023e8bfed71", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": -12.26, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "e3a398a5-3cb7-44f9-a4a2-1c3833292746", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 51.24, "unit": "crore", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "e821e7b5-823b-4db8-b2fd-41f74ac6e533", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 62.73, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "e972c58c-504a-454c-aadd-adbd8300f651", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 169410, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "eb0710f5-0da9-4435-8a7d-5285c171a59f", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 43.29, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "ebd1858a-b317-4dd3-92bd-d7bad5c7cf7e", "metric_id": "financial.debt_equity_ratio", "metric_name": "debt to equity ratio", "value": 0.05, "unit": "ratio", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: debt_equity_ratio", "source_page": null } }, { "id": "f7eec6e6-9db8-4238-8147-9c197a8232dc", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": -86.41, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 8", "source_page": null } }, { "id": "f8725950-46eb-4ee7-aca2-56357208ee67", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 66.92, "unit": "INR", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "ffbbf263-84f2-4070-b806-97f40037b10c", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 54.39, "unit": "%", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY22-23", "source_document": "Public_Disclosure_Q1_FY_2022-23.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 8", "source_page": null } }, { "id": "032647b3-c27f-419b-bc05-a9aa15e3aac5", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 70, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "08a24da1-8f53-472e-8a94-53fab18df196", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 6", "source_page": null } }, { "id": "0a1f8a53-f440-4e41-a3ad-efbebf0ad516", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 232.5, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "0a7183e8-72b3-4714-8b33-af407276ced8", "metric_id": "financial.net_npa_ratio", "metric_name": "net NPA ratio", "value": 10, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_npa_ratio", "source_page": null } }, { "id": "0f85410f-f435-4d1d-91d4-6a4a6b764aa4", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 75.51, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "120af4df-0d83-4883-8f7a-8b581b337644", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8", "source_page": null } }, { "id": "1f042baa-08ee-4d45-bc6b-bef495cf3500", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 117.34, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "1fe4391e-7f5f-4cad-963a-15cf3b0920a1", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 3.57, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "243da44d-a8e1-491d-9d48-9b27227424aa", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 21.36, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "2a766a73-f710-4e72-96f2-0af31f1a17f0", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 15.39, "unit": "crore", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "2b7da430-7f42-425f-aac3-b55a2ac69099", "metric_id": "financial.gross_direct_premium.segment.aviation", "metric_name": "aviation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY21-22", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=138,209 vs Grand Total=138210.0)", "source_page": 7 } }, { "id": "2d00574b-1dd7-433d-9cc2-0d9f63898f6a", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 35.13, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "319b3e5b-37a6-4d18-8fe2-c4d4299fc165", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 2360, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY21-22", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=138,209 vs Grand Total=138210.0)", "source_page": 7 } }, { "id": "34fa382c-5949-45b0-b3b3-5c483b7afcd1", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 86.52, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "365eb0d2-c36a-471e-a89d-f31693234db8", "metric_id": "financial.combined_ratio.segment.aviation", "metric_name": "aviation combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 8", "source_page": null } }, { "id": "3887cda6-67dd-4e2e-87a5-cb6812a9c90d", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 5, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY21-22", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=138,209 vs Grand Total=138210.0)", "source_page": 7 } }, { "id": "48b64b7d-9b0d-4520-a680-3df48006a82a", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 2452, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY21-22", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=138,209 vs Grand Total=138210.0)", "source_page": 7 } }, { "id": "4af2af6e-c767-4e61-9bb8-6d209c9d137d", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 63.42, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "4d580953-6ce7-4bb3-a011-dafca3ac4d34", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.65, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "5055aa29-c5bd-46bd-83c3-d6b232a0984e", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 57.49, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "539d569b-edfa-4ff1-b8bc-fa6d44917c1d", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 1.46, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "56c370b5-3eb1-4d59-9dc6-62ba2f20d267", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 105.56, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "5b642d9f-5099-4113-8337-bf41faf223cf", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 13432, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY21-22", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=138,209 vs Grand Total=138210.0)", "source_page": 7 } }, { "id": "5f2f1b31-3957-42cb-9976-085385f645c3", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 224, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY21-22", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=138,209 vs Grand Total=138210.0)", "source_page": 7 } }, { "id": "6646692d-7fcf-4325-90a1-49eaa89afd3c", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 33.48, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "68850266-6115-4001-9dee-f4481f00a534", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 98.75, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "68c405ea-ad18-48d2-9149-634c526f1c28", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 63462, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY21-22", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=138,209 vs Grand Total=138210.0)", "source_page": 7 } }, { "id": "6aa9c399-56a8-410a-af51-b3e19f8a53c8", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 28.48, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "772860ba-4a35-4f37-b126-ee4a301751fe", "metric_id": "claims.settlement_ratio.nonlife.count", "metric_name": "claim settlement ratio", "value": 76.7053, "unit": "%", "reporting_period_label": "FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-53", "reporting_period": "FY21-22", "source_document": "IRDAI Handbook Table 53", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "775ce261-cf28-489d-83dc-6a73491f6a08", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": -13, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY21-22", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=138,209 vs Grand Total=138210.0)", "source_page": 7 } }, { "id": "79c9c9d4-55e4-40e3-a8ef-c539175c3be7", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 35037, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY21-22", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=138,209 vs Grand Total=138210.0)", "source_page": 7 } }, { "id": "7aebea4d-770d-46b1-8cbd-8b413449ba7f", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 23.71, "unit": "crore", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "7b29fcdd-d4d8-4ad5-9052-1278f34f2679", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 12072, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY21-22", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=138,209 vs Grand Total=138210.0)", "source_page": 7 } }, { "id": "8107088c-fb1d-4135-82e0-5409fac40ebd", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 521, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY21-22", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=138,209 vs Grand Total=138210.0)", "source_page": 7 } }, { "id": "811eab6f-adcf-4215-82e6-afbf2bb28bf6", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 85395, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "8c08a840-0e2f-4145-81d2-055a5311dff0", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 69.78, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "943dade7-92a5-4917-8c4d-518c0272a1c6", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 4.09, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "a3d14816-d88c-4a6b-848e-8e43efbcc72f", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 138, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY21-22", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=138,209 vs Grand Total=138210.0)", "source_page": 7 } }, { "id": "a525cecf-5afe-47b3-b771-0e81335802eb", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": 6.47, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "a7e35d69-49b2-41d4-8a41-d880f22f6256", "metric_id": "claims.repudiation_ratio.nonlife.count", "metric_name": "claims repudiation ratio", "value": 7.2375, "unit": "%", "reporting_period_label": "FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-53", "reporting_period": "FY21-22", "source_document": "IRDAI Handbook Table 53", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "a85a412b-f6f3-4b80-a23f-734aaf56e57c", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 4824.12, "unit": "crore", "reporting_period_label": "FY22-03", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-2-40", "reporting_period": "FY22-03", "source_document": "IRDAI Handbook Table 40", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "a978a16f-5d29-4a45-aef2-5ab3f28fa903", "metric_id": "financial.incurred_claim_ratio.segment.aviation", "metric_name": "aviation incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 6", "source_page": null } }, { "id": "aaee33cc-7f1d-4f2f-9261-337caf285799", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 58.69, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "ae0be47f-41bb-4675-b92e-c167d0a74b31", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.95, "unit": "x", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "b28e8733-b88c-47ad-9a72-9630078ea8a8", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 789, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY21-22", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=138,209 vs Grand Total=138210.0)", "source_page": 7 } }, { "id": "ba7105ec-093f-438c-b6be-fd906a9f03b5", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "bf28c961-b664-4ae1-83b7-60e03a1ca3af", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 8.81, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "c1c1dae8-a5e9-4b21-830c-b4f88ddd1302", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 66.09, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 8", "source_page": null } }, { "id": "c280ef73-baf7-46d4-9045-a467151e7ff5", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 6", "source_page": null } }, { "id": "c56ffc74-d9bf-4000-a048-131b0282f314", "metric_id": "financial.gross_npa_ratio", "metric_name": "gross NPA ratio", "value": 32, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gross_npa_ratio", "source_page": null } }, { "id": "c68ef89d-1199-4800-ad47-b29c543a8c6f", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 0.52, "unit": "INR", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "c8b6b398-8ce8-4f30-b914-578096db3f8e", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 84.08, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 8", "source_page": null } }, { "id": "cc5ae462-3c64-47db-8d8e-72ea9acf1084", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 7730, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY21-22", "source_document": "pdfs/cholamandalam-ms-general/Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=138,209 vs Grand Total=138210.0)", "source_page": 7 } }, { "id": "cc77316a-30a4-4476-93db-680e84de23f1", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 61.87, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "cc821e6e-615b-4821-a3cc-ee3a54718f3f", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 174.48, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "d88bed99-90ac-426d-aa5b-3faa3fe88b8d", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 65.65, "unit": "INR", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "ddf2cfbf-8ac4-481e-947b-b8474b81e970", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -14, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "eb59c44e-d977-49e8-94e6-921bde6b8f52", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 41.12, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "ed215957-a731-4a42-862a-384fb91987d3", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 86.35, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "ee7630b8-1f97-474f-898b-894a4236dea8", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 67.06, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "f0fea519-5132-47f6-85ce-dfc200ebb2a2", "metric_id": "financial.debt_equity_ratio", "metric_name": "debt to equity ratio", "value": 0.05, "unit": "ratio", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: debt_equity_ratio", "source_page": null } }, { "id": "f5daa35d-fade-4cac-951c-8a8d2dd1cf59", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 49.2, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "fb1bc91e-2880-4da2-adce-fac8cbed89c5", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 166118, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "fcfb163d-a37d-4621-838e-cb000571f682", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 17.14, "unit": "%", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY21-22", "source_document": "Public_Disclosure_Q4_FY_2021-22.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "104d5b04-85e4-44eb-a319-34028bd29ad5", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 94.01, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "1463cc84-e99d-4f22-88ca-407cf7641c2a", "metric_id": "financial.net_npa_ratio", "metric_name": "net NPA ratio", "value": 10, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_npa_ratio", "source_page": null } }, { "id": "162e50f2-11b7-47b5-a565-05131ec56bce", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": -130.82, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 8", "source_page": null } }, { "id": "18656d10-69ac-4f0f-b3e9-bc4ce72f10c3", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 105.86, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "2f3a2cf3-e1f5-4fbd-b979-8992d2671690", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8", "source_page": null } }, { "id": "2fdb851e-0547-491c-97e7-8bc45ddbe38d", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 96.45, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "30463196-30e3-4846-bc3a-8696b6dbe033", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": -143.59, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "34628a4e-e41c-49ed-8510-cef814155a91", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -9, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "3616f27a-d7d4-4c08-98f3-9e057acf2cfc", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 6", "source_page": null } }, { "id": "37ba4999-3278-4fc9-ad4c-e6b0f9308f47", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 249.67, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "38a22cfe-b382-4ee1-907e-d8b2272f9b56", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 18.01, "unit": "crore", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "424f1325-a684-4a3e-b1d6-f16265652e52", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": 7.98, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "4bfcec45-ec4b-4a49-8a93-eec4c34cb226", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 51.87, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "4d75fb12-d69e-491f-85a7-559cf6bdfeba", "metric_id": "financial.gross_npa_ratio", "metric_name": "gross NPA ratio", "value": 82, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gross_npa_ratio", "source_page": null } }, { "id": "4dd0f86f-2e7f-4116-9109-1269674a4fd1", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 45.26, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "545acd9f-55e4-4e52-b806-986ef93d2572", "metric_id": "financial.combined_ratio.segment.aviation", "metric_name": "aviation combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 8", "source_page": null } }, { "id": "54e3ddd7-5ec2-416e-a9b0-efefd8c3be68", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 87267, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "6183fa6f-723c-4ad3-bb5c-c93df2bc802e", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 98.59, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "67493ed6-094f-4e01-a24a-e9a272d50070", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 97.15, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 8", "source_page": null } }, { "id": "692e3c19-2535-4357-b673-1cea73c141e7", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 162488, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "6a0acbce-97ea-4f61-8b14-6f4eeafcdf13", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 62.33, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "7179078a-64c1-42df-8e23-efa472f73df1", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 71.67, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "76728958-521a-44a6-870b-57d73928c200", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 107.64, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "7be8b0a5-13cb-4428-99aa-7d96685d3d38", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.862, "unit": "x", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "7dcbd1ec-69f2-4a7f-bc6e-373fdf46b9da", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 5.78, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "7f95a013-e840-42d6-9081-f0fbcee53880", "metric_id": "financial.incurred_claim_ratio.segment.aviation", "metric_name": "aviation incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 6", "source_page": null } }, { "id": "81eb21e3-c28c-4af5-a5e4-1e03d8075e26", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 13.09, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "844d98ad-7c39-4a4a-b16a-2898c4b714d2", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "863cf0e4-c235-445e-98da-368eb2845249", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 191.63, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "8eb5beee-f931-4999-a935-9d42c22ca8e1", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 62.45, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "935bec63-b7c3-40ff-b343-ecbef8bf077f", "metric_id": "financial.debt_equity_ratio", "metric_name": "debt to equity ratio", "value": 0.05, "unit": "ratio", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: debt_equity_ratio", "source_page": null } }, { "id": "941c07a1-2687-4a88-8e9b-5c1510794493", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 65.13, "unit": "INR", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "95a164bb-69b5-42ac-ab83-b0ffdcade6bd", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 31.65, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "9f72c695-fb40-4aaf-a110-3549d16d731b", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 65.22, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "aec7b987-8566-4b39-8fbe-1525f73a67f8", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 1.94, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "af137264-ee02-44b9-97fe-c8262cfac862", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 0.6, "unit": "INR", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "bb7c2f20-8079-47b4-b872-9edc1e602b3e", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 173, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "c047259e-2e4f-4c96-81e5-0f7237e59d83", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 1.89, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "cf468acd-68c4-4208-b749-3b42b7e27122", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 72.73, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "ddd10928-381c-4945-9603-bc76283754c7", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 98.34, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "e173c431-ee3e-4365-9c9a-98be5c60d157", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": 4.16, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 6", "source_page": null } }, { "id": "f307a4fa-06b2-40e2-8249-6131209bcbcf", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 24.47, "unit": "crore", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "f5b1b3b3-0ab6-4eb9-929d-cac3d4dc35ca", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 29.61, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "f989cb88-69db-40f0-9fea-379cf76e18ca", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 67, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "f99d28f3-4d36-4b62-a3fe-0892c06f10b6", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 23.1, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "fb458e8d-929b-4918-8d30-175ff167934c", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 64.69, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "fd01bc02-283c-4dce-8ecb-b91f158f0056", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 22.27, "unit": "%", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY21-22", "source_document": "Public_Disclosure_Q3_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "01446d5d-ed7e-44bf-b1fc-3d9654344e8b", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 90202, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "022399dc-09f3-46fc-bce2-0f08e695f3a1", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 105.23, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "074bdc24-0e0c-4153-9546-fe623b5f0394", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 284.04, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "159c0cc6-3030-4220-8bf3-efa0ee73ec85", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 61.4, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "22cfba45-cddf-4c49-9214-68b4332faa2c", "metric_id": "financial.incurred_claim_ratio.segment.aviation", "metric_name": "aviation incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 6", "source_page": null } }, { "id": "25e06b3d-c026-4406-868e-ae2bdd23d7ea", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 63, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "2777264c-a9d3-4ea5-ad3f-eaca89485b5e", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 6.3, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "2c4b94e4-25ab-45a8-b1ed-ab27654977fa", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 71.84, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 8", "source_page": null } }, { "id": "2e77c42a-3d66-43bd-9f03-d1dda6ac36f2", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8", "source_page": null } }, { "id": "3b09ad80-1d65-4935-973e-57faad94db27", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 6", "source_page": null } }, { "id": "3b8a56bb-844c-48dc-986d-54b26149560a", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": 5.44, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 6", "source_page": null } }, { "id": "3c7234b1-520b-4997-b268-6082b42f92c4", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 13.53, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "4055f5d6-dc99-4d43-8b87-85716e550599", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 11.96, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "411edf8c-912b-4c3b-99b9-60574ecb7fa7", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 98.58, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "4220cbc9-3f5c-41af-a651-a97da25b3a52", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 97.62, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "485d8e52-9f75-48fd-a9e8-1cbf0d4b0acb", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 1.7, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "4daf43b1-3fdd-49e1-b3a5-1bddc38b503a", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 27.62, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "500747a1-cbcf-443f-8ad4-dfad28ad00c0", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 159876, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "54ef89fe-16a9-4090-9b98-7ae2fc2f924b", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 231.24, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "60e496fc-d415-4036-9565-a6b00c360d74", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": -266, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "60e69cd8-bc97-4dc3-8db6-03d1ab443180", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 74.24, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "667a9710-31b9-47b2-9e9d-465a21604d79", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -15, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "6b0ca531-e798-4c6b-8a0f-c422b9d6b1ea", "metric_id": "financial.combined_ratio.segment.aviation", "metric_name": "aviation combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 8", "source_page": null } }, { "id": "6e0b4dda-d719-4b52-a578-672555f4a731", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 112.5, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "760f2147-e408-4fc5-adbf-fe4a689333de", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": 7.98, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "7872c4fd-9c73-416d-8cb9-2a88e6632fd9", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 82.46, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "78c9e339-6c58-491d-8686-a8be04f06caf", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.772, "unit": "x", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "7f1131c3-a771-4aa0-bff4-662427f07955", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "86dacbc5-3f1e-4d38-a478-9d9e4909e099", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 20.57, "unit": "crore", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "99006658-59da-4150-b9ed-de72bd120927", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 35.47, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "a12d5c88-2f74-46e3-8085-edfdf1e49c82", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": -263.67, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 8", "source_page": null } }, { "id": "a4df4f13-dabb-4144-8f75-d1934be19b34", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 103.41, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "a5dee11d-5ffb-41dd-8e6c-128a35aa8d07", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 29.61, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "b104a826-1eba-4594-b064-90831d16af9e", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 6.99, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "b18e41f7-0927-45c2-b1a2-76866a415be7", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.8, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "b60c9fee-2de2-44e6-9e76-a73cf4c6396d", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 45.17, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "bb2db30b-97c6-46b8-bdee-0e64a906b9b1", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 15.49, "unit": "crore", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "bdd5692a-7cdb-4a87-83e4-980b40708ad0", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 51.77, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "d05980e8-ee68-45cb-b628-908825a38bf7", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 33.68, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "e19eb4af-54b4-48ea-88cd-20038a1236b9", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 63.12, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "f4aba79f-8c38-42be-9362-67ac8ee6c183", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 103.94, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "fdf468d6-5716-438d-b94c-68336c886dd8", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 70.08, "unit": "%", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY21-22", "source_document": "Public_Disclosure_Q2_2021_-_2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "c42164ed-f28b-40b6-adb2-382c9fa52861", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.786, "unit": "x", "reporting_period_label": "Q1 FY21-22", "reporting_period_end": "2021-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY21-22", "source_document": "Public_Disclosure_Q1_2021-2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "ca4824f8-ac1a-4d41-880b-0ad1f3331144", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 3725.27, "unit": "crore", "reporting_period_label": "Q1 FY21-22", "reporting_period_end": "2021-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q1 FY21-22", "source_document": "Public_Disclosure_Q1_2021-2022.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "0049d69c-ded9-41c4-a8e3-5eca92aba5e7", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.078, "unit": "x", "reporting_period_label": "Q4 FY20-21", "reporting_period_end": "2021-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY20-21", "source_document": "Public_Disclosure_Q4_2020-2021.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "005ed488-a473-444d-803c-23360cc9f854", "metric_id": "claims.repudiation_ratio.nonlife.count", "metric_name": "claims repudiation ratio", "value": 5.2088, "unit": "%", "reporting_period_label": "FY20-21", "reporting_period_end": "2021-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-53", "reporting_period": "FY20-21", "source_document": "IRDAI Handbook Table 53", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "4dd151f2-859d-4ac1-96c8-b5b4b33496c3", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 4388.21, "unit": "crore", "reporting_period_label": "FY21-03", "reporting_period_end": "2021-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-2-40", "reporting_period": "FY21-03", "source_document": "IRDAI Handbook Table 40", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "67485fdd-b3cb-4372-a713-2888a6407e02", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 72.44, "unit": "%", "reporting_period_label": "FY20-21", "reporting_period_end": "2021-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-13", "reporting_period": "FY20-21", "source_document": "IRDAI Annual Report 2020-21", "source_url": null, "extracted_by": null, "last_verified": "2026-09-10", "extraction_note": null, "source_page": 170 } }, { "id": "7f44316f-1014-4d5e-9eca-58e31b1f9948", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 6097.58, "unit": "crore", "reporting_period_label": "Q4 FY20-21", "reporting_period_end": "2021-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q4 FY20-21", "source_document": "Public_Disclosure_Q4_2020-2021.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "d48ec80a-ab4e-4317-8b9b-7aff3e634ccf", "metric_id": "claims.settlement_ratio.nonlife.count", "metric_name": "claim settlement ratio", "value": 72.4222, "unit": "%", "reporting_period_label": "FY20-21", "reporting_period_end": "2021-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-53", "reporting_period": "FY20-21", "source_document": "IRDAI Handbook Table 53", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "14a7475f-a257-4bdf-b7b2-11bed9e80809", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.009, "unit": "x", "reporting_period_label": "Q3 FY20-21", "reporting_period_end": "2020-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY20-21", "source_document": "Public_Disclosure_Q3_2020-2021.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "2e611f08-ea9e-469a-9731-66d0d4f5d1fb", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 4701.06, "unit": "crore", "reporting_period_label": "Q3 FY20-21", "reporting_period_end": "2020-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q3 FY20-21", "source_document": "Public_Disclosure_Q3_2020-2021.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "02274036-f0b6-4fc0-b323-94c290a1cea3", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 12458.74, "unit": "crore", "reporting_period_label": "Q2 FY20-21", "reporting_period_end": "2020-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q2 FY20-21", "source_document": "Public_Disclosure_Q2_2020-2021.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "ee5bb14e-2c6f-43b9-8f25-853079678359", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.949, "unit": "x", "reporting_period_label": "Q2 FY20-21", "reporting_period_end": "2020-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY20-21", "source_document": "Public_Disclosure_Q2_2020-2021.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "87bcc44a-1141-4cea-b097-51aab3bf4c19", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.783, "unit": "x", "reporting_period_label": "Q1 FY20-21", "reporting_period_end": "2020-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY20-21", "source_document": "Public_Disclosure_Q1_2020-2021.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "999f75db-edf5-4811-b2f7-697de1f31233", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 14215.44, "unit": "crore", "reporting_period_label": "Q1 FY20-21", "reporting_period_end": "2020-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q1 FY20-21", "source_document": "Public_Disclosure_Q1_2020-2021.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "335c0de8-8072-43cf-9c07-49bb6030e9f1", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 8315.64, "unit": "crore", "reporting_period_label": "Q4 FY19-20", "reporting_period_end": "2020-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q4 FY19-20", "source_document": "Public_Disclosure_Q4_2019-2020.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "599b046a-4382-4f22-8d2d-b5ed6d927b33", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 74.99, "unit": "%", "reporting_period_label": "FY19-20", "reporting_period_end": "2020-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-13", "reporting_period": "FY19-20", "source_document": "IRDAI Annual Report 2020-21", "source_url": null, "extracted_by": null, "last_verified": "2026-09-10", "extraction_note": null, "source_page": 170 } }, { "id": "c7d7ea81-31a2-409d-98b1-db9d90c68490", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.581, "unit": "x", "reporting_period_label": "Q4 FY19-20", "reporting_period_end": "2020-03-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY19-20", "source_document": "Public_Disclosure_Q4_2019-2020.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "e760595b-d8ef-4424-99a6-c00d2b092935", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 4398.49, "unit": "crore", "reporting_period_label": "FY20-03", "reporting_period_end": "2020-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-2-40", "reporting_period": "FY20-03", "source_document": "IRDAI Handbook Table 40", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } } ], "meta": { "generated_at": "2026-11-15", "source": "IRDAI public disclosures", "api_version": "v1", "licence": "Facts derived from IRDAI public disclosure data. IRDAI public disclosures are published under IRDAI regulations; republication with attribution is permitted subject to applicable Indian law." } }