{ "insurer": { "id": "narayana-health-insurance", "slug": "narayana-health-insurance", "name": "Narayana Health Insurance", "seo_name": "Narayana Health Insurance", "type": "health", "irdai_registration_number": "", "registration_status": "unverified", "headquarters": "Bengaluru", "website": "https://www.narayanahealth.insurance", "disclosure_url": "https://www.narayanahealth.insurance/disclosures-report" }, "facts": [ { "id": "0a231e3d-109d-4f9c-b2dc-9f21d8a6ae95", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,651 vs Grand Total=1651.25)", "source_page": 43 } }, { "id": "0c435c09-d382-4ee2-b4aa-561f7a7114ed", "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": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,651 vs Grand Total=1651.25)", "source_page": 43 } }, { "id": "0f3ec605-8705-4e8e-a767-e4ffc948a7ab", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 8328, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY26-27", "source_document": "Financial_Report_Q1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "1563d569-411e-4011-9959-947b6a567e26", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 96, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "Corrected 2026-10-26: vendor stored as decimal fraction (0.96), wrong by 100x -- confirmed against this insurer own Q2-Q4 direct-extraction values (95.92-96.0 range). Original note preserved context: vendor gap-fill, Q1 FY26-27.", "source_page": null } }, { "id": "174a136d-8e8d-407a-9628-edc67b21b0d8", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 71, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "19b4c5f1-5d27-4818-9776-8a6ac41ab33b", "metric_id": "distribution.general.channel.common_service_centres.premium", "metric_name": "Common Service Centres (CSC) premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,651 vs Grand Total=1651.25)", "source_page": 43 } }, { "id": "22323d03-2dc3-43ec-a585-dec85787a8a6", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 1, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "Corrected 2026-10-26: vendor stored as decimal fraction (0.01), wrong by 100x -- same bug class as net_retention_ratio for this insurer, confirmed against adjacent direct-extraction quarters (-0.43 to -1.0 range). Original note preserved context: vendor gap-fill, Q1 FY26-27.", "source_page": null } }, { "id": "2499f1ab-0783-45e9-b2c1-471f9cdd7fd6", "metric_id": "financial.investment_yield.gross.quarterly", "metric_name": "gross yield (quarterly)", "value": 1.47, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-31-INVESTMENT-INCOME", "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": "257655a0-a5b5-4785-a9e6-ca2f2cde1f3e", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 259, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "Corrected 2026-10-26: verified against independent primary-source PDF Finacial_Report_Q1_2026_27_5f0f8f9805.pdf page 22, row [10, Combined Ratio, 2.59, 4.71] for [Jun 30 2026, Jun 30 2025] -- table has zero percent signs anywhere, confirming bare-decimal convention, needs x100. 2.59x100=259.0. (Original vendor value 2.59 matched this PDF exactly, just unconverted.)", "source_page": null } }, { "id": "285ea522-efcf-4b48-bcc8-8af07c63a456", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 219, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "Narayana Health Insurance Limited", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Derived: company-wide value, since this insurer writes ONLY Health business", "source_url": null, "extracted_by": "manual derivation (27 Oct 2026)", "last_verified": "2026-10-27", "extraction_note": "Narayana Health Insurance writes exclusively Health business (confirmed via its own NL-4 segment GDP data, which has never shown any segment other than health) -- checked every downloaded PDF (40 files) and confirmed none has a distinct segmental ratio page at all. The company-wide ratio and the single-segment ratio are the same number by construction here, not an approximation.", "source_page": null } }, { "id": "2c5e6e24-9b25-4cf0-be87-21b5b920cd52", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 2, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "376ae59c-4e36-49db-b618-3d0612e3719f", "metric_id": "distribution.general.channel.micro_agents.premium", "metric_name": "Micro Agents premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,651 vs Grand Total=1651.25)", "source_page": 43 } }, { "id": "37a10fb6-545a-4c7a-97d8-a112afa04f94", "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": "narayana-health-insurance", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.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": 37 } }, { "id": "37c83771-4a4b-4245-81a0-6627b1a6b419", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": -20.1082, "unit": "crore", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "3b359a6f-1a09-4a02-b117-6d92fa85f809", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": -80, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "Added 2026-10-26 (dedicated verification): was missing entirely. Verified against primary-source PDF page 22, row [16, Net earning ratio, -0.80, -3.65] for [Jun 30 2026, Jun 30 2025] -- bare-decimal table, needs x100. -0.80x100=-80.0.", "source_page": null } }, { "id": "5b7f989c-084c-478c-a487-d00c7522b668", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 5000, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY26-27", "source_document": "Financial_Report_Q1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "5c0f466b-ef23-473b-98e6-98778a0f1922", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -220, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "Corrected 2026-10-26: verified against independent primary-source PDF Finacial_Report_Q1_2026_27_5f0f8f9805.pdf page 22, row [13, Underwriting balance ratio, -2.20, -8.74] for [Jun 30 2026, Jun 30 2025] -- bare-decimal table, needs x100. -2.20x100=-220.0.", "source_page": null } }, { "id": "63797419-e9cb-4b08-a8f2-5a764e2834f7", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 39, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "644bb38f-ed01-45f7-a217-1aded5c9776d", "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": "narayana-health-insurance", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.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": 37 } }, { "id": "65bab833-5702-4d53-a1ea-a1d44dc0ca53", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 1007, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "Corrected 2026-10-26: verified against independent primary-source PDF Finacial_Report_Q1_2026_27_5f0f8f9805.pdf page 22, row [1, Gross Direct Premium Growth Rate, 10.07, NA] for [Jun 30 2026, Jun 30 2025] -- bare-decimal table, needs x100. 10.07x100=1007.0 -- extreme but plausible, this insurer is 2 years old with explosive growth off a tiny base (consistent with its own Q4 filing separately showing 1748.52% annual growth).", "source_page": null } }, { "id": "7ee5fef6-2848-4d19-83cd-886acbe18d1c", "metric_id": "distribution.general.channel.misp_direct.premium", "metric_name": "MISP (Direct) premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,651 vs Grand Total=1651.25)", "source_page": 43 } }, { "id": "81007f96-c4e3-4b6a-b1ab-51f6542be7c2", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 4301.85, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "83c1f3a1-9847-4fcd-8aab-c3ba200b655b", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 0, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=27 vs Grand Total=27.0)", "source_page": 43 } }, { "id": "88303164-c4e5-4cf2-8c55-0d2bbc955ad9", "metric_id": "financial.technical_reserves_to_premium_ratio", "metric_name": "technical reserves to premium ratio", "value": 2.36, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "8ae12c49-4048-4e9d-b937-45e8e906f715", "metric_id": "distribution.general.channel.referral_arrangements.policies", "metric_name": "Referral Arrangements policies", "value": 0, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=27 vs Grand Total=27.0)", "source_page": 43 } }, { "id": "8efdbb33-fb2a-4384-af9c-58ae35ed3969", "metric_id": "distribution.general.channel.referral_arrangements.premium", "metric_name": "Referral Arrangements premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,651 vs Grand Total=1651.25)", "source_page": 43 } }, { "id": "96303cc2-4575-4540-9834-52660e6f66d4", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "9920edbd-9f86-4100-a656-9f09cd61b5ec", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,651 vs Grand Total=1651.25)", "source_page": 43 } }, { "id": "9c163f85-98ef-4210-b6fa-87d925548b71", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 47, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "9ce99d2f-cc00-4d7f-b833-905f747bb838", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 0, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=27 vs Grand Total=27.0)", "source_page": 43 } }, { "id": "9eafd11a-1a89-4ba0-81c6-65dbd8d4b81b", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 32, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "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. | Corrected 2026-10-26: unit-convention fix. IRDAI NL-20's 'Gross Direct Premium to Net Worth' row is filed industry-wide as a raw multiple (times), not a percentage -- confirmed against 7 insurers' own official PDFs (Reliance General, Cholamandalam MS, New India Assurance, Agriculture Insurance, National Insurance, Oriental Insurance all print the bare multiple, no % sign; only Generali Central's own form already prints a true percentage). Site declares this metric's unit as %, so multiplied by 100 to match.", "source_page": null } }, { "id": "a22ebdc1-14cd-4e42-afdf-9d4ea1456344", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 2624.94, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=2,625 vs Grand Total=None)", "source_page": 5 } }, { "id": "a4573215-1ece-44df-8c87-313cbcff905d", "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": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,651 vs Grand Total=1651.25)", "source_page": 43 } }, { "id": "a524f2ab-253c-4d7c-861e-5ad2fd2c801b", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.67, "unit": "x", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY26-27", "source_document": "Financial_Report_Q1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "a8bb6b04-168c-4106-a221-03f735d78c84", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": -2, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "ad759fc8-f2ad-4f04-bcec-87d66354bb51", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 259, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "Narayana Health Insurance Limited", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Derived: company-wide value, since this insurer writes ONLY Health business", "source_url": null, "extracted_by": "manual derivation (27 Oct 2026)", "last_verified": "2026-10-27", "extraction_note": "Narayana Health Insurance writes exclusively Health business (confirmed via its own NL-4 segment GDP data, which has never shown any segment other than health) -- checked every downloaded PDF (40 files) and confirmed none has a distinct segmental ratio page at all. The company-wide ratio and the single-segment ratio are the same number by construction here, not an approximation.", "source_page": null } }, { "id": "b286ecf6-a826-4d3e-940d-7a6750683959", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 27, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=27 vs Grand Total=27.0)", "source_page": 43 } }, { "id": "b6728313-4598-49cc-b0b1-a6898920728a", "metric_id": "financial.investment_mix.segment.other_approved_securities", "metric_name": "other approved securities", "value": 3542.28, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "b7386b68-1ef6-48d5-a362-27283b357811", "metric_id": "financial.claims_paid_to_provisioned_ratio", "metric_name": "claims paid to provisioned ratio", "value": 0.94, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "bcf130c8-41f5-4cbe-a4e0-8d74f6c1b70b", "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": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,651 vs Grand Total=1651.25)", "source_page": 43 } }, { "id": "bf0b2aa6-3099-490e-85e9-4ad0f932bcbf", "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": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=27 vs Grand Total=27.0)", "source_page": 43 } }, { "id": "bf2093e2-42d1-41dc-9b72-2d2643d580ea", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 219, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "bfb81e30-4dd3-4737-bd14-2706e302b92a", "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": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=27 vs Grand Total=27.0)", "source_page": 43 } }, { "id": "c7f3b6cb-2b3c-4b36-bdfd-17cdfd40a2a8", "metric_id": "distribution.general.channel.misp_direct.policies", "metric_name": "MISP (Direct) policies", "value": 0, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=27 vs Grand Total=27.0)", "source_page": 43 } }, { "id": "cf515302-d219-4a68-a525-da028ecbaa5b", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": -20.1082, "unit": "crore", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "d56a9614-eced-46dd-9d10-689fae0bf8bc", "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": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=27 vs Grand Total=27.0)", "source_page": 43 } }, { "id": "dc8796a2-9936-4902-ac33-8da031fd5e63", "metric_id": "distribution.general.channel.common_service_centres.policies", "metric_name": "Common Service Centres (CSC) policies", "value": 0, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=27 vs Grand Total=27.0)", "source_page": 43 } }, { "id": "dd11dfed-4b2b-47c6-a741-206850589972", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 6946.71, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "e08bd024-f307-4d6c-9e34-41ef1634c705", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 40, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "e59b29ce-2473-4d50-b610-56975fba84cf", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,651 vs Grand Total=1651.25)", "source_page": 43 } }, { "id": "f1f901e7-a7e5-4524-bdd3-5bb654b627ca", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 1651.25, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,651 vs Grand Total=1651.25)", "source_page": 43 } }, { "id": "f4faae82-c811-4e68-898a-3047eb352106", "metric_id": "distribution.general.channel.micro_agents.policies", "metric_name": "Micro Agents policies", "value": 0, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=27 vs Grand Total=27.0)", "source_page": 43 } }, { "id": "f601a204-d908-4672-92e4-4a59b7b1caa0", "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": "narayana-health-insurance", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.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": 37 } }, { "id": "f66de35d-a882-4afc-8e8c-d82fa1d980de", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 0, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/narayana-health-insurance/Finacial_Report_Q1_2026_27_5f0f8f9805.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=27 vs Grand Total=27.0)", "source_page": 43 } }, { "id": "fce02f48-f7ac-4548-bb28-0e1437fdfd47", "metric_id": "financial.investment_yield.net.quarterly", "metric_name": "net yield (quarterly)", "value": 1.47, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-31-INVESTMENT-INCOME", "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": "02d16566-791d-40fb-8d7f-04d5b88cf301", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 2.15, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-30", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "13884e0c-ba59-4f55-80ce-5b785e9f9d92", "metric_id": "distribution.general.channel.referral_arrangements.premium", "metric_name": "Referral Arrangements premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,589 vs Grand Total=1588.83)", "source_page": 42 } }, { "id": "13bb73fe-7bc5-4fb3-bb93-115dcc175024", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 6, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=6 vs Grand Total=6.0)", "source_page": 42 } }, { "id": "23af4941-b232-4321-ae4f-5f230f63dba1", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 0, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=6 vs Grand Total=6.0)", "source_page": 42 } }, { "id": "266688be-cf1a-478e-a25a-ebb7d06a3547", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,589 vs Grand Total=1588.83)", "source_page": 42 } }, { "id": "35338b44-507c-4d48-a78e-86f0d05fc99f", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": -6.8998, "unit": "crore", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-2-B-PL", "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": "423e53eb-578c-4093-96b9-5c361ab8e7a3", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.67, "unit": "x", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY25-26", "source_document": "Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "428207db-be1b-4b33-b363-a4d44b743b07", "metric_id": "financial.investment_yield.net.annualized", "metric_name": "net yield (annualized)", "value": 6.28, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "46bfdb99-9c85-4903-b007-60a6841e5090", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 0, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=6 vs Grand Total=6.0)", "source_page": 42 } }, { "id": "4b3ae85d-11ae-4a92-a057-8ef5c6e82b40", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 0, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=6 vs Grand Total=6.0)", "source_page": 42 } }, { "id": "52400f94-1222-48f8-b9ea-24598021eb94", "metric_id": "distribution.general.channel.misp_direct.premium", "metric_name": "MISP (Direct) premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,589 vs Grand Total=1588.83)", "source_page": 42 } }, { "id": "5b391cfc-6b62-4558-b829-4b3d2020a782", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 64, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-30", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "5c258d04-016b-45d1-8349-7ffd31facff2", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 2, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-30", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "5e1787ad-e29a-4625-8f68-1088f7442de7", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 0, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=6 vs Grand Total=6.0)", "source_page": 42 } }, { "id": "5e730016-3c5f-45d6-861e-7e4df5d14c1b", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 1588.83, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,589 vs Grand Total=1588.83)", "source_page": 42 } }, { "id": "670d8b27-2b1d-43cd-a98e-cfeb551ba64f", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 4129.97, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "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": "69f50310-06b2-4cee-bc0c-4a9136115c81", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 5000, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY25-26", "source_document": "Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "6b38a720-b7b3-4326-9c06-f29ad5d6f812", "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": "narayana-health-insurance", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.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": 36 } }, { "id": "6eb5bceb-cc8d-4545-b115-60017d238e7e", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 57, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "Narayana Health Insurance Limited", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Derived: company-wide value, since this insurer writes ONLY Health business", "source_url": null, "extracted_by": "manual derivation (27 Oct 2026)", "last_verified": "2026-10-27", "extraction_note": "Narayana Health Insurance writes exclusively Health business (confirmed via its own NL-4 segment GDP data, which has never shown any segment other than health) -- checked every downloaded PDF (40 files) and confirmed none has a distinct segmental ratio page at all. The company-wide ratio and the single-segment ratio are the same number by construction here, not an approximation.", "source_page": null } }, { "id": "72637053-f9ad-4c08-8508-767e14e89240", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 156, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-30", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "73c4f82d-cf8a-49d8-9ffe-70a1ba07e172", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 156, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "Narayana Health Insurance Limited", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Derived: company-wide value, since this insurer writes ONLY Health business", "source_url": null, "extracted_by": "manual derivation (27 Oct 2026)", "last_verified": "2026-10-27", "extraction_note": "Narayana Health Insurance writes exclusively Health business (confirmed via its own NL-4 segment GDP data, which has never shown any segment other than health) -- checked every downloaded PDF (40 files) and confirmed none has a distinct segmental ratio page at all. The company-wide ratio and the single-segment ratio are the same number by construction here, not an approximation.", "source_page": null } }, { "id": "79bf91b6-8b6e-4350-a29d-b73d28e794a7", "metric_id": "distribution.general.channel.misp_direct.policies", "metric_name": "MISP (Direct) policies", "value": 0, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=6 vs Grand Total=6.0)", "source_page": 42 } }, { "id": "7eaf24b9-4959-4bfa-b942-2248026c238c", "metric_id": "distribution.general.channel.micro_agents.premium", "metric_name": "Micro Agents premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,589 vs Grand Total=1588.83)", "source_page": 42 } }, { "id": "81182945-0eb2-4066-a146-6505397220f0", "metric_id": "distribution.general.channel.insurance_marketing_firm.premium", "metric_name": "Insurance Marketing Firm premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,589 vs Grand Total=1588.83)", "source_page": 42 } }, { "id": "827a7617-b372-4752-8179-e38f4930b0a5", "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": "narayana-health-insurance", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.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": 36 } }, { "id": "82f67948-0173-4c7d-93cb-d004fcf5bd7f", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": -1.85, "unit": "INR", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-30", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "83134131-89cf-48dc-a149-554503a55648", "metric_id": "financial.investment_mix.segment.other_approved_securities", "metric_name": "other approved securities", "value": 3543.39, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "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": "852b5b55-42ab-4239-a0e3-aa1ae4ca1ec5", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 0, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=6 vs Grand Total=6.0)", "source_page": 42 } }, { "id": "85706508-b6c1-47c2-b82b-67abfcdccbf8", "metric_id": "distribution.general.channel.common_service_centres.premium", "metric_name": "Common Service Centres (CSC) premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,589 vs Grand Total=1588.83)", "source_page": 42 } }, { "id": "87777dcc-284d-4cdd-a57e-66853e56b136", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 37, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "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": "a0b5bba7-e674-43c1-a89f-0f49de4027ba", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 1748.52, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-30", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "ab0f4e4a-1dfb-400a-a53f-88c32f6d4c10", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,589 vs Grand Total=1588.83)", "source_page": 42 } }, { "id": "af76c94d-1a73-42c7-85a8-a103006b4594", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,589 vs Grand Total=1588.83)", "source_page": 42 } }, { "id": "b4b767cb-0536-4f87-82e0-c52fbac72641", "metric_id": "financial.investment_yield.gross.annualized", "metric_name": "gross yield (annualized)", "value": 6.28, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "b92e309d-f4cb-4369-8694-2d55559950d7", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 90, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-30", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "c36f95a8-6cb9-45d9-a68d-1645b4a01c81", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,589 vs Grand Total=1588.83)", "source_page": 42 } }, { "id": "c6156b9f-99e7-44ff-9386-c38f26dda3d3", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 6, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-30", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "c8f8bab9-55c5-46f5-9d66-ac434840c052", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 7.64, "unit": "INR", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-30", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "c9d702fe-1076-4287-a310-17bb07b2ed8b", "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": "narayana-health-insurance", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.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": 36 } }, { "id": "cf463459-ba91-40a2-89f4-97e96a2917de", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 8328, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY25-26", "source_document": "Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "d32ca04b-83db-41ea-b28c-2d6a70dc520e", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": -48, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-30", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "d38956d3-5b5b-4911-929d-5538152f8715", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 1989.34, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=1,989 vs Grand Total=None)", "source_page": 5 } }, { "id": "d3916d6b-faa1-4902-bb4c-7ab3904e0514", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,589 vs Grand Total=1588.83)", "source_page": 42 } }, { "id": "d62cc8a4-92b7-4050-b149-06253127cd84", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 66, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-30", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "d9a6221d-bfd9-4b0a-bbbe-28e2e04553e4", "metric_id": "distribution.general.channel.referral_arrangements.policies", "metric_name": "Referral Arrangements policies", "value": 0, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=6 vs Grand Total=6.0)", "source_page": 42 } }, { "id": "d9f29e8c-864b-4291-b96e-a696cdb689b9", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 0, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", 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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": "e3e28ab2-510b-4407-b3e2-15cb5690b411", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": -6.8998, "unit": "crore", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-2-B-PL", "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": "e3f3ad5e-1fde-46b7-bbd9-c1a5e027fa44", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 52.56, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-30", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "e4f8803c-baa4-46cf-bc17-6054bb24ab4e", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": -68, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-30", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "e8203ff2-9d8f-462b-b91e-1a8e036d4a02", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 96, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-30", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "f21b06fb-7b0c-4e62-a642-2328b5a461f4", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 66, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "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": "f7c0c5ff-04c9-4ef3-8cd5-bba56c5b5a14", "metric_id": "distribution.general.channel.micro_agents.policies", "metric_name": "Micro Agents policies", "value": 0, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=6 vs Grand Total=6.0)", "source_page": 42 } }, { "id": "fdf09de3-c9e5-4f2f-9c8f-2ee2d9cd6efa", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -198, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-30", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "fe9e9b00-0281-4f47-b50a-5fccaa67dd65", "metric_id": "distribution.general.channel.common_service_centres.policies", "metric_name": "Common Service Centres (CSC) policies", "value": 0, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/narayana-health-insurance/Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=6 vs Grand Total=6.0)", "source_page": 42 } }, { "id": "0158a915-c7b7-4dab-ad5d-9dbfb0ceb7ec", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": -0.39, "unit": "INR", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "04256ef9-c069-41ec-b775-c2a6a1c8f751", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "0e40e0d0-875b-4120-9fd9-e45df0acc429", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 2107, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "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": "0eb95005-dcdc-4bef-9984-3c814ab50565", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/narayana-health-insurance/V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,249 vs Grand Total=1248.77)", "source_page": 40 } }, { "id": "24beea55-7c0f-4f63-8cd0-afef84af17ea", "metric_id": "distribution.general.channel.micro_agents.policies", "metric_name": 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"reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/narayana-health-insurance/V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=10 vs Grand Total=10.0)", "source_page": 40 } }, { "id": "5a164b0a-ab3c-4b5b-8962-faff5e09c9f2", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -163, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "5b89a96c-8f32-47b6-a09c-9271093f92a2", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 0, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/narayana-health-insurance/V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=10 vs Grand Total=10.0)", "source_page": 40 } }, { "id": "5c5c8f20-09f1-4ca7-997b-ddf3ef65e531", "metric_id": "distribution.general.channel.misp_direct.policies", "metric_name": "MISP (Direct) policies", "value": 0, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/narayana-health-insurance/V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=10 vs Grand Total=10.0)", "source_page": 40 } }, { "id": "6270d614-6c59-4823-8587-950d1404137a", "metric_id": "distribution.general.channel.micro_agents.premium", "metric_name": "Micro Agents premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/narayana-health-insurance/V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,249 vs Grand Total=1248.77)", "source_page": 40 } }, { "id": "63faa16d-5576-4d93-87d1-84bb13bb8e31", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 8, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "6643a08e-90ff-438c-8b9f-dd672187a00e", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 10, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/narayana-health-insurance/V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=10 vs Grand Total=10.0)", "source_page": 40 } }, { "id": "68ab25d2-7e16-4ff8-a650-5d85056a2290", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": -3.1692, "unit": "crore", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "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": "6aa872b1-e57c-47d2-a356-12d87bdbcc16", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 97, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "711f83c3-23e8-4505-aeab-36c0e1e1b2d7", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 73, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "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": "Corrected 2026-10-26: vendor's 9M FY25-26 export stored 0.73 (wrong by 100x) for this one insurer/period -- confirmed against the same file's neighboring periods (H1=71, trend ~66-71 elsewhere).", "source_page": null } }, { "id": "75c5f70d-f00b-44d4-a33b-1ba20c1c389e", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": -3.1692, "unit": "crore", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "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": "75ca3b33-c37e-43b1-9d99-b5e95b1ec973", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 128, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "77f685f7-afeb-4c7e-be2e-305bec4dabdf", "metric_id": "financial.investment_mix.segment.mutual_funds", "metric_name": "mutual funds", "value": 735.32, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "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": "8263d7ca-79da-4194-a2c0-44078bbf4768", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": -62, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "8da5faf7-ecf1-4854-b7f7-d86b15af6f82", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 0, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/narayana-health-insurance/V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=10 vs Grand Total=10.0)", "source_page": 40 } }, { "id": "938e2d7c-5b90-452c-b27e-384baa6bcf0d", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 39, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "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": "Corrected 2026-10-26: vendor's 9M FY25-26 export stored 0.39 (wrong by 100x) for this one insurer/period -- confirmed against the same file's neighboring periods (H1=41, FY/Q1 26-27 in the 41 range).", "source_page": null } }, { "id": "95cc681d-c52a-4432-871b-fd2df1655efa", "metric_id": "distribution.general.channel.common_service_centres.policies", "metric_name": "Common Service Centres (CSC) policies", "value": 0, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/narayana-health-insurance/V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=10 vs Grand Total=10.0)", "source_page": 40 } }, { "id": "98523827-7204-41a0-8016-db4168131554", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/narayana-health-insurance/V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,249 vs Grand Total=1248.77)", "source_page": 40 } }, { "id": "9d426c0c-ffc3-4f4a-8d17-0536885972df", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/narayana-health-insurance/V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,249 vs Grand Total=1248.77)", "source_page": 40 } }, { "id": "a62cc3d3-3943-465f-8c0a-03e710bc2078", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 2, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "a84d25da-7d5d-4d4b-ad30-97f61df58a8d", "metric_id": "distribution.general.channel.misp_direct.premium", "metric_name": "MISP (Direct) premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/narayana-health-insurance/V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,249 vs Grand Total=1248.77)", "source_page": 40 } }, { "id": "aed50a91-820d-4f8d-a51b-e91ce01d5911", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 0, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/narayana-health-insurance/V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=10 vs Grand Total=10.0)", "source_page": 40 } }, { "id": "b3b7d2e2-f5de-40c7-83c6-ea3260e95def", "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": "narayana-health-insurance", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/narayana-health-insurance/V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.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": 33 } }, { "id": "b5e03197-d353-42e6-8f6a-8d7fc2716e58", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 82, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "b74df94f-7e63-49ee-9123-979bb9c37d9f", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 0, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/narayana-health-insurance/V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=10 vs Grand Total=10.0)", "source_page": 40 } }, { "id": "c424a440-0680-4442-8606-4bb0648745e6", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 82, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "Narayana Health Insurance Limited", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Derived: company-wide value, since this insurer writes ONLY Health business", "source_url": null, "extracted_by": "manual derivation (27 Oct 2026)", "last_verified": "2026-10-27", "extraction_note": "Narayana Health Insurance writes exclusively Health business (confirmed via its own NL-4 segment GDP data, which has never shown any segment other than health) -- checked every downloaded PDF (40 files) and confirmed none has a distinct segmental ratio page at all. The company-wide ratio and the single-segment ratio are the same number by construction here, not an approximation.", "source_page": null } }, { "id": "c5bd2731-2b09-4879-b1a1-24fc6bdf5c87", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/narayana-health-insurance/V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,249 vs Grand Total=1248.77)", "source_page": 40 } }, { "id": "c985aebc-6abd-4e3f-a0a8-a604a8c0e9ed", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.701, "unit": "x", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY25-26", "source_document": "V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "caa4e51b-320f-468d-a7d8-7ac1cede4b5f", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": -5, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "d4a7c1e3-f837-416e-a958-5758298483dd", "metric_id": "financial.investment_mix.segment.other_approved_securities", "metric_name": "other approved securities", "value": 3544.65, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "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": "dbe86fe1-ab35-459b-8892-4e5483b6e04c", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 4019.55, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "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": "e01718e0-d7de-4156-9ea3-14eff9ff3a92", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/narayana-health-insurance/V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel premium, for the quarter (sum=1,249 vs Grand Total=1248.77)", "source_page": 40 } }, { "id": "e0b191b4-92d0-4c95-82e7-2c7e0b03d7d5", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 93, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "e926183b-d74f-4d8c-9981-f8b55799fc31", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 0, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/narayana-health-insurance/V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-36 channel policies, for the quarter (sum=10 vs Grand Total=10.0)", "source_page": 40 } }, { "id": "f1a66ec0-e794-4405-b6dc-a2baadb4632c", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 128, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "Narayana Health Insurance Limited", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Derived: company-wide value, since this insurer writes ONLY Health business", "source_url": null, "extracted_by": "manual derivation (27 Oct 2026)", "last_verified": "2026-10-27", "extraction_note": "Narayana Health Insurance writes exclusively Health business (confirmed via its own NL-4 segment GDP data, which has never shown any segment other than health) -- checked every downloaded PDF (40 files) and confirmed none has a distinct segmental ratio page at all. The company-wide ratio and the single-segment ratio are the same number by construction here, not an approximation.", "source_page": null } }, { "id": "f2cc4141-923e-4df5-a871-5668d2b14b07", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 2394.98, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/narayana-health-insurance/V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=2,395 vs Grand Total=2394.98)", "source_page": 5 } }, { "id": "f847af46-2209-4bb7-a874-4a60dc596ded", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 6029, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "0c413ecb-6d56-4035-ae75-d71c6fd4e3d6", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 1902.93, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "0dce1cbb-fd9d-470f-9796-27a570bf7f41", "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": "narayana-health-insurance", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/narayana-health-insurance/NL_Form_Q2_FY2025-26_renamed.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": 32 } }, { "id": "0fb25cbd-bd87-4ccc-b75f-571bada168f0", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": -0.39, "unit": "INR", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_Form_Q2_26_26_0b558063f1_Updated_1_d6198217c2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "196496f1-787b-4682-8d78-ff233c8d4ffb", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 3523.71, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "1ef5a33a-9a79-4827-837c-b065d40b15b0", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 6028.52, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_Form_Q2_26_26_0b558063f1_Updated_1_d6198217c2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "1f8e2832-e18a-429c-956f-1d41c1ba1987", "metric_id": "financial.investment_mix.segment.mutual_funds", "metric_name": "mutual funds", "value": 630.02, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "22f0d614-1493-46cb-b348-ba1eebc6342f", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 95.92, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_Form_Q2_26_26_0b558063f1_Updated_1_d6198217c2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "321db353-341b-4b71-bcd8-ba63f9127bd3", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -162.71, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_Form_Q2_26_26_0b558063f1_Updated_1_d6198217c2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "3a39e26b-fccd-4afc-be23-f887b9ab3aae", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 128.38, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_Form_Q2_26_26_0b558063f1_Updated_1_d6198217c2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "40f8d467-4819-4449-bd8d-c9d267ebf113", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.54, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_Form_Q2_26_26_0b558063f1_Updated_1_d6198217c2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "480eea01-0089-4c79-8be4-ff82d48b75be", "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": "narayana-health-insurance", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/narayana-health-insurance/NL_Form_Q2_FY2025-26_renamed.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": 32 } }, { "id": "60c548a5-5c80-442b-8297-516a665b94c4", "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": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_Form_Q2_26_26_0b558063f1_Updated_1_d6198217c2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "68e772ba-0302-48bd-90db-e6e93eec9308", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": -4.1711, "unit": "crore", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "70954a07-af33-4cd9-a542-b23e4c35a0a8", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 7.88, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_Form_Q2_26_26_0b558063f1_Updated_1_d6198217c2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "73c83175-f4e3-492b-a3cc-119d09f7361f", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 72.07, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_Form_Q2_26_26_0b558063f1_Updated_1_d6198217c2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "7428232f-a1cc-46d9-bff2-20cc321266fd", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.55, "unit": "x", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY25-26", "source_document": "NL_Form_Q2_26_26_0b558063f1_Updated_1_d6198217c2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "7c5b3ef4-bb4e-4a5b-bd51-243f607352c2", "metric_id": "financial.investment_mix.segment.other_approved_securities", "metric_name": "other approved securities", "value": 2521.46, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "80eef9bc-c43b-4487-b730-cd7f6da252f3", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 93.27, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_Form_Q2_26_26_0b558063f1_Updated_1_d6198217c2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "9bc1abe0-ae59-4f88-9cc2-35b47f6268b0", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 8.28, "unit": "INR", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_Form_Q2_26_26_0b558063f1_Updated_1_d6198217c2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "acb4add5-abe6-4c34-b4c2-8953a706395b", "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": "narayana-health-insurance", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/narayana-health-insurance/NL_Form_Q2_FY2025-26_renamed.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": 32 } }, { "id": "ae599ba0-1f30-47fa-ac49-6d8b8232288c", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 72.07, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "Narayana Health Insurance Limited", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Derived: company-wide value, since this insurer writes ONLY Health business", "source_url": null, "extracted_by": "manual derivation (27 Oct 2026)", "last_verified": "2026-10-27", "extraction_note": "Narayana Health Insurance writes exclusively Health business (confirmed via its own NL-4 segment GDP data, which has never shown any segment other than health) -- checked every downloaded PDF (40 files) and confirmed none has a distinct segmental ratio page at all. The company-wide ratio and the single-segment ratio are the same number by construction here, not an approximation.", "source_page": null } }, { "id": "b5f03150-65f3-48b3-9e44-63e2eb9491d2", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": -62.23, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_Form_Q2_26_26_0b558063f1_Updated_1_d6198217c2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "d4417889-e33f-4294-bd79-5dabb8b11446", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 41, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "dffc1760-790b-4f24-84c9-4a07928cd0bd", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 71, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "e0cd52ce-946b-41c0-88f9-416d9ae5be04", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 128.38, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "Narayana Health Insurance Limited", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Derived: company-wide value, since this insurer writes ONLY Health business", "source_url": null, "extracted_by": "manual derivation (27 Oct 2026)", "last_verified": "2026-10-27", "extraction_note": "Narayana Health Insurance writes exclusively Health business (confirmed via its own NL-4 segment GDP data, which has never shown any segment other than health) -- checked every downloaded PDF (40 files) and confirmed none has a distinct segmental ratio page at all. The company-wide ratio and the single-segment ratio are the same number by construction here, not an approximation.", "source_page": null } }, { "id": "e7b0c026-f993-4794-ba18-712c39930e3a", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": -4.1711, "unit": "crore", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "f58f5962-5622-465b-8789-cb982c12c0a1", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 96.8, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_Form_Q2_26_26_0b558063f1_Updated_1_d6198217c2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "f655dc19-edfd-4b5b-9697-92ac7adce586", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": -4.54, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_Form_Q2_26_26_0b558063f1_Updated_1_d6198217c2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "fa3c8444-0d41-4474-b794-a7d05b916cd0", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 698.79, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/narayana-health-insurance/NL_Form_Q2_26_26_0b558063f1_Updated_1_d6198217c2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=699 vs Grand Total=698.79)", "source_page": 5 } }, { "id": "0235b04b-f16f-432c-9eca-043b32b3e738", "metric_id": "distribution.general.channel.common_service_centres.premium", "metric_name": "Common Service Centres (CSC) premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Narayana Health Insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "FY24-25", "source_document": "Derived: sum of FY24-25 Q1-Q4 already-approved quarterly facts", "source_url": null, "extracted_by": "derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-26", "extraction_note": "Annual premium = 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": "0b68aaab-7419-43e6-a8a2-dc7be935e86d", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.61, "unit": "x", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-12", "reporting_period": "Q4 FY24-25", "source_document": "IRDAI Annual Report 2024-25", "source_url": null, "extracted_by": "push_irdai_solvency.py v1", "last_verified": "2026-09-10", "extraction_note": "Statement 12 — IRDAI Annual Report 2024-25 (hardcoded from Table)", "source_page": 376 } }, { "id": "177124c4-0a82-4114-a6de-655dbfa40b89", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Narayana Health Insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "FY24-25", "source_document": "Derived: sum of FY24-25 Q1-Q4 already-approved quarterly facts", "source_url": null, "extracted_by": "derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-26", "extraction_note": "Annual premium = 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": "24c18dc9-5ba2-46e7-b35a-6b5897a97245", "metric_id": "distribution.general.channel.referral_arrangements.policies", "metric_name": "Referral Arrangements policies", "value": 0, "unit": "count", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Narayana Health Insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "FY24-25", "source_document": "Derived: sum of FY24-25 Q1-Q4 already-approved quarterly facts", "source_url": null, "extracted_by": "derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-26", "extraction_note": "Annual policies = 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": "29db8f40-bcd9-4e72-9c9f-af9ccad96dbc", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 0, "unit": "count", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Narayana Health Insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "FY24-25", "source_document": "Derived: sum of FY24-25 Q1-Q4 already-approved quarterly facts", "source_url": null, "extracted_by": "derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-26", "extraction_note": "Annual policies = 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": "2a515976-5efd-42cd-9a99-9b44847eec7e", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 0, "unit": "count", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Narayana Health Insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "FY24-25", "source_document": "Derived: sum of FY24-25 Q1-Q4 already-approved quarterly facts", "source_url": null, "extracted_by": "derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-26", "extraction_note": "Annual policies = sum of 4 standalone quarterly facts (2024-06-30, 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"Derived: sum of FY24-25 Q1-Q4 already-approved quarterly facts", "source_url": null, "extracted_by": "derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-26", "extraction_note": "Annual premium = 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": "54d6ea66-dd2b-49ab-bba2-548307808bc4", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 0, "unit": "count", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Narayana Health Insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "FY24-25", "source_document": "Derived: sum of FY24-25 Q1-Q4 already-approved quarterly facts", "source_url": null, "extracted_by": "derive_annual_from_quarters.py (27 Oct 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"extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=172 vs Grand Total=172.17)", "source_page": 5 } }, { "id": "8cc3a999-56b1-46ea-bd5e-cdaae74cce48", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 0, "unit": "count", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Narayana Health Insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "FY24-25", "source_document": "Derived: sum of FY24-25 Q1-Q4 already-approved quarterly facts", "source_url": null, "extracted_by": "derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-26", "extraction_note": "Annual policies = 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": "8ce7641e-9db5-4683-93a8-6e46937af8a8", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 2.37, "unit": "₹ crore", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-7", "reporting_period": "FY24-25", "source_document": "IRDAI Annual Report 2024-25", "source_url": null, "extracted_by": null, "last_verified": "2026-09-10", "extraction_note": null, "source_page": 369 } }, { "id": "95cbb3f1-f0b3-4a42-87ba-127999f239e9", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Narayana Health Insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "FY24-25", 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"extracted_by": "derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-26", "extraction_note": "Annual policies = 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": "9f93b744-5985-4520-ac97-b7dc960bfd44", "metric_id": "distribution.general.channel.insurance_marketing_firm.premium", "metric_name": "Insurance Marketing Firm premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Narayana Health Insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "FY24-25", "source_document": "Derived: sum of FY24-25 Q1-Q4 already-approved quarterly facts", "source_url": null, "extracted_by": "derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-26", "extraction_note": "Annual premium = 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": "9f9f7ecc-f18c-47b1-b9c1-c7a86e569524", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Narayana Health Insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "FY24-25", "source_document": "Derived: sum of FY24-25 Q1-Q4 already-approved quarterly facts", "source_url": null, "extracted_by": "derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-26", "extraction_note": "Annual premium = sum of 4 standalone quarterly facts (2024-06-30, 2024-09-30, 2024-12-31, 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"value": 0, "unit": "count", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Narayana Health Insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "FY24-25", "source_document": "Derived: sum of FY24-25 Q1-Q4 already-approved quarterly facts", "source_url": null, "extracted_by": "derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-26", "extraction_note": "Annual policies = 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": "e0fbbba6-a548-4bd1-af12-673788fedcc0", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 0, "unit": "count", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Narayana Health Insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "FY24-25", "source_document": "Derived: sum of FY24-25 Q1-Q4 already-approved quarterly facts", "source_url": null, "extracted_by": "derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-26", "extraction_note": "Annual policies = 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": "efd4c815-d8b3-4260-b516-f9e9a934c4c3", "metric_id": "distribution.general.channel.other.premium", "metric_name": "Other premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Narayana Health Insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "FY24-25", "source_document": "Derived: sum of FY24-25 Q1-Q4 already-approved quarterly facts", "source_url": null, "extracted_by": "derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-26", "extraction_note": "Annual premium = 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": "f7399e6d-d102-417a-9522-49f8a7ee1610", "metric_id": "distribution.general.channel.other.policies", "metric_name": "Other policies", "value": 0, "unit": "count", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Narayana Health Insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "FY24-25", "source_document": "Derived: sum of FY24-25 Q1-Q4 already-approved quarterly facts", "source_url": null, "extracted_by": "derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-26", "extraction_note": "Annual policies = 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": "f9c8e439-4244-4e0d-bfe1-1fab8f58f489", "metric_id": "distribution.general.channel.misp_direct.policies", "metric_name": "MISP (Direct) policies", "value": 0, "unit": "count", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Narayana Health Insurance", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "FY24-25", "source_document": "Derived: sum of FY24-25 Q1-Q4 already-approved quarterly facts", "source_url": null, "extracted_by": "derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-26", "extraction_note": "Annual policies = sum of 4 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