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Seeds the new Investment Performance page -- first data this metric family has ever had. 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Seeds the new Investment Performance page -- first data this metric family has ever had. 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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": "4333afb5-386f-4795-aed4-91d3f71c104f", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 17252, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "Kshema General Insurance Limited", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY26-27", "source_document": "nl-26-solvency-margin.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "43613cdf-f068-408a-85ed-87e95e15de41", "metric_id": "financial.technical_reserves_to_premium_ratio", "metric_name": "technical reserves to premium ratio", "value": 611.94, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-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": "481ccf06-ad45-454f-9fcd-c4c4682ce590", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/kshema-general/nl-4-premium-earned.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=3,398 vs Grand Total=3398.32)", "source_page": 1 } }, { "id": "493fbfa0-d965-4457-ba24-b8cf02e60aa8", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 924.42, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/kshema-general/nl-4-premium-earned.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=3,398 vs Grand Total=3398.32)", "source_page": 1 } }, { "id": "49d32c3e-26f1-4da1-80c6-40a12002515a", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 4.8, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/kshema-general/nl-4-premium-earned.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=3,398 vs Grand Total=3398.32)", "source_page": 1 } }, { "id": "4c51ba0d-4aa3-4fd1-9a92-2a3e5891aaee", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 10, "unit": "INR", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "4cf269b1-9944-45da-b5fe-f038f2dcd2e1", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 34.59, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-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": "4da6ddf0-c7f2-422a-acf2-5c06afc70a2e", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 10124.03, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-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": "4dcb211b-b211-47d1-bcbe-fbc6f0855e3e", "metric_id": "distribution.general.channel.other.policies", "metric_name": "Other policies", "value": 0, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/kshema-general/nl-36-business-channels.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=270,560 vs Grand Total=270560.0)", "source_page": 1 } }, { "id": "54fd3967-2f65-4ecb-a3a5-34ed8b9d263e", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 0, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/kshema-general/nl-36-business-channels.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=270,560 vs Grand Total=270560.0)", "source_page": 1 } }, { "id": "557a5f8a-cd51-45a1-a18a-8744e90af71e", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/kshema-general/nl-4-premium-earned.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=3,398 vs Grand Total=3398.32)", "source_page": 1 } }, { "id": "59cbe2e2-836b-4794-adfe-01e37970b198", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 1853.19, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/kshema-general/nl-36-business-channels.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=3,381 vs Grand Total=3381.04)", "source_page": 1 } }, { "id": "5a3f47ae-a52a-43a7-8108-8494e342d384", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 22.34, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-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": "5dac5238-364f-42f6-89ec-ba63ae6dce05", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/kshema-general/nl-36-business-channels.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=3,381 vs Grand Total=3381.04)", "source_page": 1 } }, { "id": "62c2e131-6666-486c-b929-2a3c589005b1", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 100.46, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "642a5944-bdbe-4e34-966e-951d83d524d5", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/kshema-general/nl-4-premium-earned.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=3,398 vs Grand Total=3398.32)", "source_page": 1 } }, { "id": "64e533bd-6e78-422c-a62a-a18c0b724943", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 3160, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-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": "666c57d6-4b7c-4c54-b54f-5f469234eae7", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 170.62, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-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": "69e61785-25d6-4893-a516-6cc4d136b7cf", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 500.51, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-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": "6a16a625-9ae2-49c5-8fd1-2e0956f923b2", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 554.17, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "6ae043e3-a765-4446-a67a-0f16fb1510bc", "metric_id": "distribution.general.channel.other.premium", "metric_name": "Other premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/kshema-general/nl-36-business-channels.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=3,381 vs Grand Total=3381.04)", "source_page": 1 } }, { "id": "6ae78f10-db67-4ba2-8890-c77931244303", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 29.31, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-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": "6d88bc67-5bb5-456d-a376-f1cecaa05e01", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 12.81, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "6f88c555-a714-482f-8ae8-ddf72f3d9f8b", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 310.93, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "72481035-26dc-4fb2-b9a7-651a326b532e", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 9303, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/kshema-general/nl-36-business-channels.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=270,560 vs Grand Total=270560.0)", "source_page": 1 } }, { "id": "786a4f50-9df5-4d4c-86f9-d537e3dbedc6", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 30.98, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "7abdd859-c403-4282-b2bc-0f321ef037d7", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 83.99, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-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": "7bf0fcf1-0dc3-4b39-b6fc-ad719d1228f6", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 0, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/kshema-general/nl-36-business-channels.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=270,560 vs Grand Total=270560.0)", "source_page": 1 } }, { "id": "7d55932e-0faa-42ed-9406-2e2efc4a80a3", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 0, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/kshema-general/nl-36-business-channels.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=270,560 vs Grand Total=270560.0)", "source_page": 1 } }, { "id": "842107db-e08c-4ff0-8c18-5c6d3bc83a43", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 811.78, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "85f780ec-565b-4abf-916a-0bf77e59d501", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 0.02, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "86e77210-0d02-44d8-b301-dfe2a989ce21", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 6043.77, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-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": "8a151663-7c23-4439-b291-5be602f9c86d", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": -227.4, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "8c92d788-516d-4920-909d-4e196c3d02b7", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 94.05, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "8e4464b1-4888-456e-bcc4-08e59094a1c4", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 18.92, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-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. 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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": "e7b58e5b-1549-4079-a1d4-263cce04c4b3", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 406.39, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "e9348247-4986-4b1b-94c6-a826291b85ed", "metric_id": "financial.investment_npa.gross_pct", "metric_name": "gross npa ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/kshema-general/nl-30-non-performing-assets.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 3, TOTAL column 10", "source_page": 1 } }, { "id": "ea732ca1-5f49-4e9e-b371-aafa937fda2e", "metric_id": "financial.investment_npa.provision_pct", "metric_name": "npa provision coverage", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/kshema-general/nl-30-non-performing-assets.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 5, TOTAL column 10", "source_page": 1 } }, { "id": "ec1b832e-ba61-400c-ac70-c5f20e62eec1", "metric_id": "financial.claims_paid_to_provisioned_ratio", "metric_name": "claims paid to provisioned ratio", "value": 100, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-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": "ef5bc177-d54b-4b2a-9edf-000bffcc4f52", "metric_id": "financial.investment_npa.gross_amount", "metric_name": "gross npa (amount)", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/kshema-general/nl-30-non-performing-assets.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 2, TOTAL column 10", "source_page": 1 } }, { "id": "f1d15bad-5d16-4438-b234-79c5010acf8e", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": -96.78, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-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": "f1d25d47-8ff0-44c7-980f-dd81b1b8fefe", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": -64.9021, "unit": "crore", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-2-B-PL", "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": "f476b8de-4688-47cd-b5ea-df6d76234b32", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 1536.71, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/kshema-general/nl-4-premium-earned.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=3,398 vs Grand Total=3398.32)", "source_page": 1 } }, { "id": "fa43b853-dc8d-41de-8937-9693540aa30e", "metric_id": "distribution.general.channel.insurance_marketing_firm.premium", "metric_name": "Insurance Marketing Firm premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/kshema-general/nl-36-business-channels.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=3,381 vs Grand Total=3381.04)", "source_page": 1 } }, { "id": "fd014b1e-948b-4280-811d-542fd2dc5e4f", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/kshema-general/nl-36-business-channels.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=3,381 vs Grand Total=3381.04)", "source_page": 1 } }, { "id": "ffb2112b-ea20-4ed5-a223-49db1b520c36", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": -65.0612, "unit": "crore", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-2-B-PL", "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": "0661bc45-df8c-4979-94ea-d62d7f1d7faf", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 52.6, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "084ab75d-ea36-45e3-b1e6-cea69ef7da91", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 491.33, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "1005ec27-9947-4c98-9725-53655a223972", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 3067714, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-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": "1274a7f1-f044-4525-b0d6-b27bf4415cb5", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 88.57, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "160f21b6-03db-4e67-b7aa-a0880db0be41", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 14.23, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "17144616-943a-4067-ac6f-b28d3d60865d", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=52,857 vs Grand Total=52856.55)", "source_page": 1 } }, { "id": "241b9551-1c15-4c29-8249-c8aeb0589b5d", "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": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=52,857 vs Grand Total=52856.55)", "source_page": 1 } }, { "id": "296a9e34-826e-491d-bdb1-4fc2452b4275", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 40.47, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "302fe9f5-9b0e-47f5-ab33-1d62950c56b4", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 52716.83, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=52,857 vs Grand Total=52856.55)", "source_page": 1 } }, { "id": "31b63964-e71d-4df1-bba8-cee5c83eaba7", "metric_id": "financial.investment_npa.gross_pct", "metric_name": "gross npa ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/kshema-general/nl-30-non-performing-assets.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 3, TOTAL column 10", "source_page": 1 } }, { "id": "332ba0ed-3210-45d0-9735-211d094246d5", "metric_id": "financial.investment_mix.segment.mutual_funds", "metric_name": "mutual funds", "value": 2483.19, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-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": "33724954-3d7e-48d1-bb8e-71812fecba1d", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=52,857 vs Grand Total=52856.55)", "source_page": 1 } }, { "id": "359a5c51-a93a-40ba-af11-fce7750048a7", "metric_id": "distribution.general.channel.common_service_centres.policies", "metric_name": "Common Service Centres (CSC) policies", "value": 1652048, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-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": "42555c1c-526e-4f5e-b096-1075a5ed90c0", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 9.4, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "430aa137-1077-4bae-92eb-e6fcb6671ed2", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 39.01, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "435688ae-f59d-4657-999d-b9d88269e61b", "metric_id": "distribution.general.channel.common_service_centres.premium", "metric_name": "Common Service Centres (CSC) premium", "value": 24219.35, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-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": "4a129580-14ab-4253-9f22-5fb6328cfbf1", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=52,857 vs Grand Total=52856.55)", "source_page": 1 } }, { "id": "4b7c07bb-ae45-4a7d-a41e-d220485e349c", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 28287.32, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-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": "4d268ab8-0254-4083-9704-49e3425bd464", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 61.14, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "57865d34-9aa1-4e5f-ae7c-2a929052895e", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 21328, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-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": "5c70cc9d-f6f3-45ae-a1cc-f06aa5ad0e83", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 10094.4, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-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": "5d1c57ce-0704-4c2b-91e5-ed092506995a", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 2339.75, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-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": "5fd79204-801b-4523-a287-9ead067334a7", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 7.53, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=52,857 vs Grand Total=52856.55)", "source_page": 1 } }, { "id": "6a0aca4a-6978-4a0b-8350-9119bdad998e", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 6.54, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=52,857 vs Grand Total=52856.55)", "source_page": 1 } }, { "id": "6c27e663-da0e-4eaa-ac82-42d07316d12f", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 125.52, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=52,857 vs Grand Total=52856.55)", "source_page": 1 } }, { "id": "70b6eae0-28d6-4187-b9cf-4153afbff6c7", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 5.93, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "71248a66-ebe3-4ee2-947f-47808937034a", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 164.76, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "74b2f10a-b93e-4b17-8ef6-fa6eed9d1c72", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 347, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "75c986ac-0162-4d7e-82d7-817af2afd372", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 12796, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "Kshema General Insurance Limited", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY25-26", "source_document": "nl-26-solvency-margin.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "7a97c81e-d219-46c0-a1c2-641533f44590", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 0.12, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=52,857 vs Grand Total=52856.55)", "source_page": 1 } }, { "id": "7c849e4f-5566-44da-b1be-f09f0d614d64", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 73, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "8172358d-c278-4200-88b2-ffb542dafdf2", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 20.07, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-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": "847bb198-f64f-445f-8751-cdde86680541", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 46.89, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "85102a1d-ed6a-4cdc-b409-e8f972116d50", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.82, "unit": "x", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "Kshema General Insurance Limited", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY25-26", "source_document": "nl-26-solvency-margin.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "8687f36d-9161-4e1a-8fd8-cd4985f88c6a", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": 24.56, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "88ac8092-7d1f-4e72-a697-228327f3c9d2", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 108, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "89800668-6fbf-465d-b4fe-6f5d76c28371", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 36.56, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-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": "8a55ffb6-9207-401c-b298-390a50710c89", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 75.37, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "8b409a99-1236-47d9-8830-f066edb61d2f", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "8e75b1ff-f76d-4ab6-9be3-c7ab1d6a2f68", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 101.2, "unit": "crore", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q4 FY25-26", "source_document": "nl-2-profit-loss-account.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "915bb1f6-1ba5-4984-8ef4-286be72e6bc2", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=52,857 vs Grand Total=52856.55)", "source_page": 1 } }, { "id": "97015fb5-6f40-413f-bc14-1dd910da10c1", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 5547.94, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-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": "a001d95b-80d1-4b13-9d9c-c925c16bd5d1", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=52,857 vs Grand Total=52856.55)", "source_page": 1 } }, { "id": "a4f76124-dafd-4fbb-b588-b31f9d53f404", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 199.48, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "a62a8669-d042-4068-bc38-ea738fdfefdd", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=52,857 vs Grand Total=52856.55)", "source_page": 1 } }, { "id": "aa07d3ea-65fe-47af-ba4d-6b1cbfc326eb", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=52,857 vs Grand Total=52856.55)", "source_page": 1 } }, { "id": "b6cd33ee-aa33-4958-a53c-e3a53c032cfc", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 0.28, "unit": "INR", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "b6d333cc-555d-47ca-aa07-46fdee216a95", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 23266, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "Kshema General Insurance Limited", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY25-26", "source_document": "nl-26-solvency-margin.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "c06b432e-9d2c-4512-935e-059b82a58315", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 262.68, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-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": "c1eb50c7-822e-40d3-9a17-1da04a095494", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 5540.42, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-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": "cb0dfccf-a26b-4e64-bed1-8c09edefe193", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": -3.72, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "cf793124-0f63-406b-a9a5-94393fe8913c", "metric_id": "financial.investment_npa.gross_amount", "metric_name": "gross npa (amount)", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/kshema-general/nl-30-non-performing-assets.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 2, TOTAL column 10", "source_page": 1 } }, { "id": "d1eed976-2d34-4915-a49a-5d8e944eed3e", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 9.99, "unit": "INR", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "d3f3b0b6-860c-4950-8581-9492d8182d64", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 100.31, "unit": "crore", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q4 FY25-26", "source_document": "nl-2-profit-loss-account.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "e29f5d07-eae6-4f88-987e-c16359ec59d8", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 46.55, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "e4c198fa-b1f1-4982-9add-06c3607a57d4", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 42, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "e6ad6bb7-0cfb-4c04-b013-6e6aa9e10888", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 29.13, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-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": "e74e334b-bd7d-48fb-9852-618801ce69cd", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 348, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "e88d2623-d3fb-4a32-9d4d-55ac54120bd2", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=52,857 vs Grand Total=52856.55)", "source_page": 1 } }, { "id": "f4035c4c-62d8-4466-acf7-1b18705bb1a1", "metric_id": "financial.investment_npa.provision_pct", "metric_name": "npa provision coverage", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/kshema-general/nl-30-non-performing-assets.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 5, TOTAL column 10", "source_page": 1 } }, { "id": "f41181bd-6ce2-40ae-a6fe-50151a3e3ddb", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 1261.4, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-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": "fa4eccbf-42b7-4a23-bb2b-0ef29a04e0c1", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 841.37, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.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": "00bff954-698c-4a7e-9b6a-ce878a975435", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": -23.3708, "unit": "crore", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-2-B-PL", "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": "03903683-8f1e-49fc-9cdc-b7698063c342", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": -21.9, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "0e122408-e6bb-4bc2-a08b-b381bdceedec", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=23,038 vs Grand Total=23037.62)", "source_page": 1 } }, { "id": "0fbd7468-81ab-4910-9e5f-bfdaac3d7223", "metric_id": "financial.investment_yield.net.quarterly", "metric_name": "net yield (quarterly)", "value": 0.06, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/kshema-general/nl-31-stat.-of-inv-and-inv.-inc.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-31 TOTAL row, quarterly net yield, col 6", "source_page": 1 } }, { "id": "1630ba7c-5136-4fc2-8e82-06932d4cf560", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 37.74, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-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": "19d0555b-6811-419a-aef8-bfeb2f5f892b", "metric_id": "financial.investment_npa.provision_pct", "metric_name": "npa provision coverage", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/kshema-general/nl-30-npa.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 5, TOTAL column 10", "source_page": 1 } }, { "id": "24f5345f-515e-4997-accd-6669434ca4c0", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=23,038 vs Grand Total=23037.62)", "source_page": 1 } }, { "id": "2c81bb6b-6b0b-4e4a-bd72-feac74b350de", "metric_id": "financial.investment_npa.gross_pct", "metric_name": "gross npa ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/kshema-general/nl-30-npa.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 3, TOTAL column 10", "source_page": 1 } }, { "id": "2dc9f5bd-0440-48d5-83bd-35d9a89f53c0", "metric_id": "distribution.general.channel.other.premium", "metric_name": "Other premium", "value": 33.28, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-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": "31b4112a-8ff7-4dbe-a0d2-c439af89f424", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 1565.64, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-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": "32444322-2bcf-4d25-8940-e21865143e13", "metric_id": "financial.investment_yield.gross.quarterly", "metric_name": "gross yield (quarterly)", "value": 0.06, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/kshema-general/nl-31-stat.-of-inv-and-inv.-inc.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-31 TOTAL row, quarterly gross yield, col 5", "source_page": 1 } }, { "id": "38ad0518-3fd2-4631-8afc-254388e15aad", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 121.85, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "3a933323-b81c-416e-b417-f44d7595f1fc", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.57, "unit": "x", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "Kshema General Insurance Limited", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY25-26", "source_document": "nl-26-solv-gi-sm-table-ib.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "3be5bfde-fb61-41b5-8498-3c9ba5ed4e06", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 9.09, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-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": "3c5a3a35-ce63-4962-8fa4-fdea6ebc8178", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=23,038 vs Grand Total=23037.62)", "source_page": 1 } }, { "id": "3e1a171c-0711-489c-b1e7-de284ace68ed", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": -3.9, "unit": "%", "reporting_period_label": "Q3 FY25-26", 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personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "45465887-0a0d-469e-9b2a-6804ac3aac9c", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 58.8, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "48120e52-2f4e-482e-a948-a6914f8c14dc", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", 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"source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=23,038 vs Grand Total=23037.62)", "source_page": 1 } }, { "id": "69158e66-97b2-4fbe-b9cd-0a4b398f189b", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": -19.02, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "6a6c63a0-507e-4b4b-9473-6afea97f483b", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 0, "unit": "%", 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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": "79724008-d5dd-467b-b18a-9c22b398ad13", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 139.96, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "7acedd11-c214-4268-8aff-e7e950d2b2bf", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 37.97, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "92bad05d-2995-440f-9ce8-e10ed8a68f94", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 25.41, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "96cfa3e8-631c-4629-8b9c-1f2297e8ceb6", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=23,038 vs Grand Total=23037.62)", "source_page": 1 } }, { "id": "9d7da283-729d-4540-9288-74f8fd32b027", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 14068, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "Kshema General Insurance Limited", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY25-26", "source_document": "nl-26-solv-gi-sm-table-ib.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "9d99507b-a782-4e42-aeb8-35a2e261e292", "metric_id": "distribution.general.channel.other.policies", "metric_name": "Other policies", "value": 2954, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-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": "9e40f393-3580-4da4-9617-b363ea036fbf", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": -25.7615, "unit": "crore", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-2-B-PL", "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": "a2797e12-3900-4e96-b797-37d8064f287a", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 2950, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "a3307a8a-e489-4422-aedb-08d4e52b4942", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 7261.95, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-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": "a45c5bc7-ab59-416c-b5fb-5a5fc0b5f7ec", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 131, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "a5324dda-7bb2-4f03-95a7-fb9eaac15e60", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 6.21, "unit": "INR", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "a58a3bcb-410d-46d6-8c46-3e53d2112c45", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 2950, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "a58acce3-9060-4945-af88-c9ee5dea75cd", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=23,038 vs Grand Total=23037.62)", "source_page": 1 } }, { "id": "aa916fe8-6949-42fa-80a7-0a5f648e70eb", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 19048, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-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": "ae5ac353-ff49-465c-be43-057d4196ae2b", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 2.62, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=23,038 vs Grand Total=23037.62)", "source_page": 1 } }, { "id": "b54375eb-9cdf-48e0-8bb3-0391a7a8ef59", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 20170.71, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-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": "bfbdc15d-e94f-46a2-b6a5-d6da79edac02", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": -19.32, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "c2e82b5e-8d60-48ee-ac70-98e5be1bd19c", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 884.22, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "c54870df-f1bc-415a-86d1-c9dd70a52127", "metric_id": "distribution.general.channel.common_service_centres.premium", "metric_name": "Common Service Centres (CSC) premium", "value": 2792.54, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-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": "c7c7a878-9827-45b5-9935-0f445697c82a", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=23,038 vs Grand Total=23037.62)", "source_page": 1 } }, { "id": "cd64e679-d3d6-4b41-a659-91c98f1d4e17", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -21.4, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "d0e1cd91-fb6d-47f3-b882-c2e14b324a1c", "metric_id": "financial.investment_mix.segment.mutual_funds", "metric_name": "mutual funds", "value": 3141.52, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-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": "d4b6c5f0-7b73-4bbf-bee5-804678f96316", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 2339510, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-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": "d68d83fc-ddbe-45b4-87cc-015b4d943a97", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 6.99, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "d91413fa-e409-4f4a-9838-c3bd09c40ef9", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": -0.97, "unit": "INR", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "da8454c0-e9d0-4e9a-bf86-d71ca9ef77d7", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=23,038 vs Grand Total=23037.62)", "source_page": 1 } }, { "id": "dba8611e-3cdb-49cc-9443-5a1c2a2b00cf", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 2424.79, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-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": "dcbb902c-9bfc-4e53-9dbb-d2a42be9006f", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 21.67, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-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": "df7edb07-143a-4a20-836e-f5dc0843ecad", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=23,038 vs Grand Total=23037.62)", "source_page": 1 } }, { "id": "e6583841-c08a-46ac-9e4f-98b3bafa9da4", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 81, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 6", "source_page": null } }, { "id": "e68f3b14-1f40-4276-9aa7-c41d7e967387", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 3.96, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "e88e224a-949a-4fc1-aa7a-cea99e20879b", "metric_id": "financial.investment_npa.gross_amount", "metric_name": "gross npa (amount)", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/kshema-general/nl-30-npa.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 2, TOTAL column 10", "source_page": 1 } }, { "id": "e8fa382d-d15e-4b2e-ad4d-e81c84e2dea6", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 43782.44, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "ea6c17e1-a184-4258-9742-f76181508ba8", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=23,038 vs Grand Total=23037.62)", "source_page": 1 } }, { "id": "ef904afc-64e3-46c4-a9bb-51e6aa7a8c63", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 12681.37, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-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": "f210d13c-42bd-41b0-9e75-48069dfdaf98", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 6530.07, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-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": "f371620e-fc92-48eb-9833-9ea10f02ce0a", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 23031.29, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=23,038 vs Grand Total=23037.62)", "source_page": 1 } }, { "id": "f3fc896b-e216-43b8-976b-fcb8df6d7f95", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 31.63, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-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": "f83b0f41-4d56-4213-b102-babeecf6b2ec", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 462.55, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "fc7ac9c8-8bc6-4fd7-b3a3-ee835f619388", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": -20.04, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "01249ab2-6cc0-4d8b-8512-dd2dc015e3d6", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 11207, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "Kshema General Insurance Limited", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY25-26", "source_document": "nl-26-solvency-margin.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "07eecac4-be89-493f-91f2-daa3daa69bc6", "metric_id": "distribution.general.channel.common_service_centres.policies", "metric_name": "Common Service Centres (CSC) policies", "value": 60284, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-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": "0c4419cf-b9e9-437c-8b5c-b8cff9d9b886", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 137.64, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "126e196d-bd87-457b-8915-81ac6353f9a7", "metric_id": "financial.investment_yield.net.quarterly", "metric_name": "net yield (quarterly)", "value": 6.12, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/kshema-general/nl-31-investment-and-investment-income.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-31 TOTAL row, quarterly net yield, col 6", "source_page": 1 } }, { "id": "1bfc53c7-1aeb-43e1-be93-152c7c5d9098", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 0.43, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "1edc37a0-22b2-4fd6-b774-c084151a15d5", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": -79.0511, "unit": "crore", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-2-B-PL", "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": "248ba394-ce00-4a23-ae49-f0051676a838", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "2842da7e-801b-415f-9dbb-1f028c652d80", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 3.77, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "29fbb3b2-2854-4206-a7e8-621ae7c4ef75", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": -8.6, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "2c0daf47-831a-40f1-8895-8cdb9aef3877", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 887.21, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "2c39b2db-24b6-424a-afb4-090271008793", "metric_id": "distribution.general.channel.other.policies", "metric_name": "Other policies", "value": 8163, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-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": "2c6a2f3e-f23b-45b9-8b36-b412e112b430", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 7239.45, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-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": "30675c36-42fd-49ef-80f9-2391ef57345f", "metric_id": "financial.investment_yield.gross.quarterly", "metric_name": "gross yield (quarterly)", "value": 6.12, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/kshema-general/nl-31-investment-and-investment-income.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-31 TOTAL row, quarterly gross yield, col 5", "source_page": 1 } }, { "id": "36311901-52ca-4569-95a5-a2704d24fca0", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=1,647 vs Grand Total=1647.07)", "source_page": 1 } }, { "id": "4417b213-56fd-4500-9176-decedbaf5f55", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 8.65, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "47eb76d0-7789-4cf5-b881-4872732b6f8d", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 922.75, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-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": "4b26e8c9-f411-439b-95d3-6852e64f413e", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=1,647 vs Grand Total=1647.07)", "source_page": 1 } }, { "id": "4da04c03-88e8-45ba-a139-1c5eead7d2f9", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 36.36, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-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": "51b995d7-12b0-4fac-9b7d-0278b402b1f3", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 1675, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-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": "54a06634-1b5f-457b-a96a-e5376547a60f", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 0.05, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=1,647 vs Grand Total=1647.07)", "source_page": 1 } }, { "id": "58089e75-110c-4e22-8dbf-6b06e1c635e3", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 33699.56, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "5900e952-dc4e-4df3-84eb-7b4e49fc3515", "metric_id": "financial.investment_mix.segment.mutual_funds", "metric_name": "mutual funds", "value": 2624.64, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-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": "61a4ea0d-1caa-4585-8d53-92ec538301a3", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 1.9, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-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": "61b0e85b-8846-4530-b4f6-3c89ae881689", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": -76.4771, "unit": "crore", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-2-B-PL", "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": "62a3c2e2-bd06-4dad-8689-991436c7dafa", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 64.97, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "63679914-39ae-4432-92bf-a6cfbf3e4575", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=1,647 vs Grand Total=1647.07)", "source_page": 1 } }, { "id": "682b5bc2-c92f-45cf-af72-7219ef17b358", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=1,647 vs Grand Total=1647.07)", "source_page": 1 } }, { "id": "6a7cc894-bcf2-46bf-a609-0e33dd37bf2d", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 36095, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-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": "6be89f37-c25c-45c0-88ac-0b09e4522a62", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 476.74, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "732643cc-3739-4496-a6ce-e7ec41240ef9", "metric_id": "financial.investment_npa.gross_amount", "metric_name": "gross npa (amount)", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/kshema-general/nl-30-non-performing-assets.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 2, TOTAL column 10", "source_page": 1 } }, { "id": "745c5e92-373f-4a5f-8725-2efc26f99dbc", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": -714.67, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "75324c3f-415c-4768-b488-eac2dbd6c9e1", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 7.38, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "75e5e659-0df7-4e26-8cff-e514024be631", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "78034f72-b381-4252-9235-964e5a140b79", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=1,647 vs Grand Total=1647.07)", "source_page": 1 } }, { "id": "7ad0145a-35de-4bea-a44a-8e04d713c72a", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 5.56, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "7cbbe6f3-f719-4856-af28-777969494d5b", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 1646.19, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=1,647 vs Grand Total=1647.07)", "source_page": 1 } }, { "id": "829438af-832c-40c4-857b-4172a4f3acec", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 2691.43, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "97ea9068-ee51-4c4c-a729-1592f5810be6", "metric_id": "distribution.general.channel.other.premium", "metric_name": "Other premium", "value": 127.38, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-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": "983b4689-cc6d-4080-ac28-568ec0cd3ee0", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 11132.26, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-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": "9fdd13ec-6507-42ce-85c3-82ace88eeb9a", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 158.33, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "a0df89fd-f244-425c-abd9-73f31593d362", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.51, "unit": "x", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "Kshema General Insurance Limited", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY25-26", "source_document": "nl-26-solvency-margin.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "a3a4a8a8-4414-443b-ac89-b35c940d619e", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=1,647 vs Grand Total=1647.07)", "source_page": 1 } }, { "id": "a4320c7e-3246-47db-a210-188e2fdbf39b", "metric_id": "financial.investment_npa.gross_pct", "metric_name": "gross npa ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/kshema-general/nl-30-non-performing-assets.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 3, TOTAL column 10", "source_page": 1 } }, { "id": "a4542da5-4f3f-4562-9d53-78f9bedee0f0", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 79.01, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 6", "source_page": null } }, { "id": "a6f582ac-c867-429a-a642-bc5acce98048", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 23.69, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-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": "acf4646d-cb0a-457d-83e7-f837de6597d0", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=1,647 vs Grand Total=1647.07)", "source_page": 1 } }, { "id": "b27bf626-d9e3-4d68-9dd7-5060aaf32810", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 226.22, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-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": "c16fb29c-68a8-48a9-b859-49ba77131f59", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=1,647 vs Grand Total=1647.07)", "source_page": 1 } }, { "id": "c485ff32-caad-490b-85cd-6e059d533834", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": -874.17, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "cb6cd534-4cc4-4851-911e-f0035f46cce7", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 2950, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "cd60cacb-3df9-4ad8-937d-c0d27a794375", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -900.16, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "d1bdb8dd-0ab5-463a-ab2c-532cdeb322ac", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=1,647 vs Grand Total=1647.07)", "source_page": 1 } }, { "id": "d21e035e-7e93-45dd-9944-f99ce7c0ddd1", "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": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=1,647 vs Grand Total=1647.07)", "source_page": 1 } }, { "id": "d4830d1b-a732-4e57-bef2-f143389ff497", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 10.09, "unit": "INR", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "d5822c09-2aab-4040-a111-3ba8d92642a9", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 728.88, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "d5a50000-25dd-4719-b851-c678ae123899", "metric_id": "financial.investment_npa.provision_pct", "metric_name": "npa provision coverage", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/kshema-general/nl-30-non-performing-assets.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 5, TOTAL column 10", "source_page": 1 } }, { "id": "d5f921eb-a326-46cc-9f11-a8e12eca670c", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 16934, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "Kshema General Insurance Limited", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY25-26", "source_document": "nl-26-solvency-margin.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "d9de9a38-6205-4659-8b9b-ced73de2c991", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": -4.05, "unit": "INR", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "dd63dd0b-0598-457d-a9df-c355f114955b", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 7007.14, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-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": "dee34755-d41c-459c-a4ec-7bfa1a7fccab", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=1,647 vs Grand Total=1647.07)", "source_page": 1 } }, { "id": "e244beaf-c1a9-42d9-902f-cacf293dc9b0", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": -87.43, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "e2d69cff-f82d-4a24-a48d-205e94cace5f", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 0.83, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/kshema-general/nl-4-premium.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=1,647 vs Grand Total=1647.07)", "source_page": 1 } }, { "id": "f2ca1317-8a58-4162-b296-8e02cc3cdae4", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 277, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-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": "fc32f740-28c2-488d-8aa0-a5f8a4b6b0a8", "metric_id": "distribution.general.channel.common_service_centres.premium", "metric_name": "Common Service Centres (CSC) premium", "value": 1062.71, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-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": "ffae4654-5dc6-460e-9c33-65d3f343ae88", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 2950, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "ffbee3f3-27e5-432d-af5a-cc369d893ff0", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 29.65, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-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": "12ee7151-17a4-4487-903e-f4692b109189", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 62, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "16a41547-a0cd-4bba-bf53-ec23da320ff4", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 21.76, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "1a3fd8a2-5cf2-4c4e-ad32-def9e37eb242", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/kshema-general/nl-4.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=28,105 vs Grand Total=28104.99)", "source_page": 1 } }, { "id": "1ce9f30f-8ce0-49e4-96cb-cf0e8897e473", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 37.81, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "28a5248e-ae13-41ab-8dfb-2bd96df7bf14", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 0.06, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/kshema-general/nl-4.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=28,105 vs Grand Total=28104.99)", "source_page": 1 } }, { "id": "28e5b59d-bc4d-4467-8f73-a40c15a3cbe5", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 11.03, "unit": "crore", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q1 FY25-26", "source_document": "nl-2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-2-B-PL 'Profit / (Loss) after tax', For the quarter column", "source_page": null } }, { "id": "2b153798-64c5-4494-950e-ec35aadf6e10", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/kshema-general/nl-4.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=28,105 vs Grand Total=28104.99)", "source_page": 1 } }, { "id": "2c4aaa33-cfd4-411c-8cb8-77c89bcb6d18", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 8110.92, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "3152cdad-e9f6-4481-9a4a-cf1c3c167633", "metric_id": "financial.investment_mix.segment.mutual_funds", "metric_name": "mutual funds", "value": 1917.99, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "324f043a-1142-459d-8953-eb96a6e35896", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 18.23, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "3423087a-c4fc-4242-aac0-248da308ff1e", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 2135, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "39ae3f91-4c3a-48b2-860a-32b705404626", "metric_id": "distribution.general.channel.common_service_centres.policies", "metric_name": "Common Service Centres (CSC) policies", "value": 1469174, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "3e8707fb-d2d3-4d24-8409-5ac9775f6de5", "metric_id": "claims.settlement_ratio.nonlife.count", "metric_name": "claim settlement ratio", "value": 42.6877, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "", "regulatory_form": "NL-37-CLAIMS-DATA", "reporting_period": "Q1 FY25-26", "source_document": null, "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-37: paid=26581.12, opening_os=17827.72, reported=44441.06 (reported = sum of sub-rows, header row's own total not trusted -- see module docstring)", "source_page": null } }, { "id": "4af11d8e-20a5-4450-afdd-f045b4863301", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 158.93, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "4c5a57ff-8c40-4861-b1af-250c4b1f065f", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 96.97, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "5ebe9810-c8bb-4e5f-9d83-96cdc78a13ae", "metric_id": "distribution.general.channel.other.policies", "metric_name": "Other policies", "value": 2089, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "5fa77c5d-014a-4b54-abc4-1469b0b8a7ad", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 9250.75, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "60201282-e9da-4a6e-b5fe-20389439a379", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 11236, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "Kshema General Insurance Limited", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY25-26", "source_document": "nl-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "60870161-1ae9-491d-9456-112947b91e71", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/kshema-general/nl-4.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=28,105 vs Grand Total=28104.99)", "source_page": 1 } }, { "id": "6188807c-93cf-4a1f-b7be-3ddc9691883b", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 28104.93, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/kshema-general/nl-4.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=28,105 vs Grand Total=28104.99)", "source_page": 1 } }, { "id": "63e0c143-1a8f-4ef0-a9e0-437462209c0d", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 596.27, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "66efccde-67c7-450a-827e-9e82fd3b398f", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": -14.22, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "670b1b96-c33e-4eb5-af9f-40f2cd680ee3", "metric_id": "financial.investment_npa.gross_amount", "metric_name": "gross npa (amount)", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/kshema-general/nl-30.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 2, TOTAL column 10", "source_page": 1 } }, { "id": "6a0bf052-5c16-4e0b-8f0a-02b3d5781e75", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 75.2, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "709059e2-950b-44a8-9767-5f5ce49fe69b", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/kshema-general/nl-4.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=28,105 vs Grand Total=28104.99)", "source_page": 1 } }, { "id": "70a5b45b-1b17-4685-bcc8-bf3568ef8e4e", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/kshema-general/nl-4.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=28,105 vs Grand Total=28104.99)", "source_page": 1 } }, { "id": "726cea62-0796-4a6d-bbf4-de3c0a5d36e3", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 5238.35, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "72bdd4a6-a289-4f0e-92e0-a89340ab016d", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/kshema-general/nl-4.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=28,105 vs Grand Total=28104.99)", "source_page": 1 } }, { "id": "734c0cf7-7173-488d-a40e-2839754206ec", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/kshema-general/nl-4.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=28,105 vs Grand Total=28104.99)", "source_page": 1 } }, { "id": "88913fce-8bbf-4fe0-97d9-be4606edbd34", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 68.85, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "8ea939bb-30b0-4c36-aaca-3a71a7bac875", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 2282591, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "9048308f-5c28-4f99-af0a-367413cf819b", "metric_id": "financial.investment_yield.gross.quarterly", "metric_name": "gross yield (quarterly)", "value": 7.67, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/kshema-general/nl-31.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-31 TOTAL row, quarterly gross yield, col 5", "source_page": 1 } }, { "id": "927c2cbd-f1b3-400f-b3fc-929f42def85e", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 3501.6, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "928e1e18-989a-4010-8e37-0e03262da504", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": -2.21, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "93521ab8-0a2a-45af-9211-8c9910213188", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/kshema-general/nl-4.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=28,105 vs Grand Total=28104.99)", "source_page": 1 } }, { "id": "98bcd8e9-1a2a-4b07-a6a9-cf34191102a0", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 75.2, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "9af00b9a-af81-4b8d-a157-e5941c029068", "metric_id": "financial.investment_npa.provision_pct", "metric_name": "npa provision coverage", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/kshema-general/nl-30.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 5, TOTAL column 10", "source_page": 1 } }, { "id": "9cbaa2cb-1cb2-4950-b906-6e6e2a416593", "metric_id": "financial.investment_yield.net.quarterly", "metric_name": "net yield (quarterly)", "value": 7.67, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/kshema-general/nl-31.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-31 TOTAL row, quarterly net yield, col 6", "source_page": 1 } }, { "id": "9d58a372-f529-45a0-b601-1f04d6bdac7b", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 17105, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "Kshema General Insurance Limited", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY25-26", "source_document": "nl-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "a0129b67-b994-47d6-b309-9ce1d84795ad", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 24.49, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "a2da7c8a-0ec7-4658-ab63-730b9daf4787", "metric_id": "financial.claims_paid_to_provisioned_ratio", "metric_name": "claims paid to provisioned ratio", "value": 75.36, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "a4bf377f-ab66-4125-ba00-9b42071713b2", "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": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/kshema-general/nl-4.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=28,105 vs Grand Total=28104.99)", "source_page": 1 } }, { "id": "b0ee3ece-1904-43d6-83b0-8871083190a7", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": 3, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "b33f87bd-e267-4d07-a1b0-4eeca96e6d30", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 96.96, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "b471150b-eac9-4af0-95b6-628c39ea1b32", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 28.22, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "b56aa061-33d8-4029-9eba-1e926a570eab", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/kshema-general/nl-4.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=28,105 vs Grand Total=28104.99)", "source_page": 1 } }, { "id": "bf1e49c0-a8d4-4e19-ab19-5d2fb42654d4", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 62, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "c711fe6c-811b-4be7-a5e7-1fb8522078d2", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": -5.11, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "d4235108-238d-4252-af1e-5285d565177e", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/kshema-general/nl-4.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=28,105 vs Grand Total=28104.99)", "source_page": 1 } }, { "id": "d94b6312-855a-4ee0-a251-9bab0c35992e", "metric_id": "distribution.general.channel.other.premium", "metric_name": "Other premium", "value": 20.75, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "dab26733-1f5d-4278-bd3f-86859c01dbcf", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 5.6, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "ef840560-096d-42e5-9df4-c03399ecef98", "metric_id": "distribution.general.channel.common_service_centres.premium", "metric_name": "Common Service Centres (CSC) premium", "value": 18802.92, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "f4f95999-6887-4b77-bebb-ac6288f02917", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.52, "unit": "x", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "Kshema General Insurance Limited", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY25-26", "source_document": "nl-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "f889483b-1392-4006-9394-87b621316251", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/kshema-general/nl-4.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=28,105 vs Grand Total=28104.99)", "source_page": 1 } }, { "id": "fb882f9e-16a5-425f-89b1-8ec4d70c908f", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 2.04, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "fc8c7169-c789-4815-ae65-ba2ba3d68726", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 14.3, "unit": "crore", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q1 FY25-26", "source_document": "nl-2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-2-B-PL 'Profit/(Loss) Before Tax', For the quarter column", "source_page": null } }, { "id": "fd79ab8a-8aa1-4901-91f1-6e6c813499f2", "metric_id": "financial.investment_npa.gross_pct", "metric_name": "gross npa ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/kshema-general/nl-30.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 3, TOTAL column 10", "source_page": 1 } }, { "id": "ff1fa2e3-7cc7-4c88-bc28-7ff2d7b55da0", "metric_id": "financial.technical_reserves_to_premium_ratio", "metric_name": "technical reserves to premium ratio", "value": 1.66, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": "04c586b1-90df-4eb2-92dc-a445c5ab606d", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 14.91, "unit": "INR", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "nl-20.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "050a8def-5e43-4b38-9c99-0d3f1e26da64", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 7.26, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": 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"derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-24", "extraction_note": "Annual travel = sum of 4 standalone quarterly facts (2024-06-30, 2024-09-30, 2024-12-31, 2025-03-31), not a separate IRDAI annual filing -- this metric is additive (premium/policies written per quarter), unlike a ratio.", "source_page": null } }, { "id": "7b0cd3d7-f6d0-4067-87a0-063636b188e7", "metric_id": "financial.investment_npa.provision_pct", "metric_name": "npa provision coverage", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q4 FY24-25", "source_document": "pdfs/kshema-general/nl-30.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 5, TOTAL column 10", "source_page": 1 } }, { "id": "7ba495c0-bf48-4c99-859e-f4e5c750ce2c", "metric_id": 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"extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "8a3f39d9-22c0-4f2f-9440-c6f88f4666b7", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": -81.78, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "nl-20.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "8f132d84-ec66-4795-a53e-b93030596502", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Kshema General Insurance", "regulatory_form": 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