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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": "49c87554-aed7-46a4-9df1-a1646c4b7225", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 16.75, "unit": "INR", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "4ce87fe7-e4ae-4864-b1a5-44324b8e6afd", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 39.6, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 7", "source_page": null } }, { "id": "4df71278-964d-4aec-a7ca-c6ce9ccafdce", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": -179.3, "unit": "crore", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q1 FY26-27", "source_document": "Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "4f81448a-6a6e-4461-8879-888f9b14ce4c", "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": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=679,922 vs Grand Total=679922.0)", "source_page": 39 } }, { "id": "569be38c-d0a0-4bce-9c06-696ec665669c", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 100772, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=679,922 vs Grand Total=679922.0)", "source_page": 39 } }, { "id": "5b520cff-0a3c-4935-b766-963bf9b672e1", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 118.65, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, health row immediately after label, col 9", "source_page": null } }, { "id": "5ebb2c3c-36a0-403f-86ec-5d4991b5ce1b", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 31.76, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "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": "630bfc56-58cd-442a-9ef4-d52404190804", "metric_id": "financial.investment_mix.segment.other_approved_securities", "metric_name": "other approved securities", "value": 102138, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "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": "6565faee-59b1-4179-8712-58e5e9d5e7df", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 59096, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=214,996 vs Grand Total=214996.0)", "source_page": 39 } }, { "id": "65d51837-2a2d-4076-b891-e419ffb226ee", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 69, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "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": "66161d78-50ff-4b46-99c5-f83f5e20420f", "metric_id": "distribution.general.channel.common_service_centres.premium", "metric_name": "Common Service Centres (CSC) premium", "value": 1, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=214,996 vs Grand Total=214996.0)", "source_page": 39 } }, { "id": "6b58f96c-1d4c-4426-853e-e9b2a8a7d7f0", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 79.47, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, health row immediately after label, col 7", "source_page": null } }, { "id": "6cde4a10-fd39-4629-956f-9dc6a26d5acf", "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": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=214,996 vs Grand Total=214996.0)", "source_page": 39 } }, { "id": "6d383d74-5b64-40f1-a073-97fb52078385", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 276625, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "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": "71a11990-5c6f-46ce-84f7-ea86dfcffeb2", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 586, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=679,922 vs Grand Total=679922.0)", "source_page": 39 } }, { "id": "7323b170-1db8-4965-9aad-17ac0652583a", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 10635, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=679,922 vs Grand Total=679922.0)", "source_page": 39 } }, { "id": "734177f8-9150-438a-b70c-faedae99998c", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 144015, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY26-27", "source_document": "Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "77dcaf60-a114-44e7-9a61-0381d74e3d60", "metric_id": "distribution.general.channel.direct_business_online.policies", "metric_name": "Direct Business – Online policies", "value": 2108, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=679,922 vs Grand Total=679922.0)", "source_page": 39 } }, { "id": "7af2f5ec-32af-4f9e-976d-2f7a8e0b2575", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 44.92, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "2026-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-09", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "7dd3d3d1-2d33-4c64-941b-5f92dc37ad51", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 16000, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=214,996 vs Grand Total=214996.0)", "source_page": 39 } }, { "id": "82c38d56-277f-43dd-96be-515280770c39", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 31.75, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "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": "8826c7f6-8c41-4a22-9954-bee610d9bf6b", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 41712, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=214,996 vs Grand Total=214996.0)", "source_page": 39 } }, { "id": "8e1aae2b-8bde-493c-bbae-0633258f6570", "metric_id": "distribution.general.channel.insurance_marketing_firm.premium", "metric_name": "Insurance Marketing Firm premium", "value": 1130, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=214,996 vs Grand Total=214996.0)", "source_page": 39 } }, { "id": "919e8215-13b3-48e2-a542-e8d3e0bbbfa4", "metric_id": "financial.investment_yield.gross.quarterly", "metric_name": "gross yield (quarterly)", "value": 1.79, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "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": "926b92ae-5354-4348-adfa-641ddf0f3b0f", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.25, "unit": "x", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY26-27", "source_document": "Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "983fd791-b5f7-4743-af30-837b103f43a3", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 79.34, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 9", "source_page": null } }, { "id": "9b3defbe-8cb9-4940-8a7a-93e3e0abe170", "metric_id": "distribution.general.channel.direct_business_online.premium", "metric_name": "Direct Business – Online premium", "value": 240, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=214,996 vs Grand Total=214996.0)", "source_page": 39 } }, { "id": "9bc2daae-c03c-4a0b-99cd-4dd16bb377f5", "metric_id": "distribution.general.channel.other.policies", "metric_name": "Other policies", "value": 0, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=679,922 vs Grand Total=679922.0)", "source_page": 39 } }, { "id": "a02e933f-037e-416f-af4a-423dd3726397", "metric_id": "financial.investment_yield.net.quarterly", "metric_name": "net yield (quarterly)", "value": 1.79, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "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": "a67fccdc-2cde-4707-ac93-4db068a217f6", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": 347, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=214,996 vs Grand Total=214996.0)", "source_page": 39 } }, { "id": "addb36d8-bf0c-44c4-80be-a56236a0a716", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": -7.95, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "b100e019-78c6-4e75-b87e-f5289f0b8eb0", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 2149.96, "unit": "crore", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-35-QUARTERLY-BUSINESS-RETURNS", "reporting_period": "Q1 FY26-27", "source_document": "Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-35 Grand Total YTD premium", "source_page": null } }, { "id": "bd765641-4422-43d9-b7a9-f8826baaf5b0", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": -133.7, "unit": "crore", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q1 FY26-27", "source_document": "Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "c52903e9-6c99-4eba-a734-16980bb6d42e", "metric_id": "financial.investment_mix.segment.mutual_funds", "metric_name": "mutual funds", "value": 42900, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "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": "c5907871-303a-4b86-8ac0-9ef56707eb29", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 78.25, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "2026-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-09", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "c8ca1ed3-ca61-4613-a2e9-3bc13108b3b6", "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": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=679,922 vs Grand Total=679922.0)", "source_page": 39 } }, { "id": "ceded351-0a2a-4f19-bf6d-456cc12dcfe9", "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": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=679,922 vs Grand Total=679922.0)", "source_page": 39 } }, { "id": "d27ad029-239c-4628-b63b-32af8e85bb77", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 38.44, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "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": "d40d5bef-0632-4805-bcb7-b3ac249ecd80", "metric_id": "financial.technical_reserves_to_premium_ratio", "metric_name": "technical reserves to premium ratio", "value": 2.7, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "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": "d78ca3c8-9c21-446e-a4ec-24c25241f14c", "metric_id": "financial.gross_npa_ratio", "metric_name": "gross NPA ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 row-format label match: gross_npa_ratio", "source_page": null } }, { "id": "d89156e6-4fcc-4953-985c-0791b123d725", "metric_id": "financial.claims_paid_to_provisioned_ratio", "metric_name": "claims paid to provisioned ratio", "value": 85.64, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "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": "dc65354e-d4e2-4d78-9f75-935f82530155", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 89.14, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 9", "source_page": null } }, { "id": "e4a3f64e-11d0-4664-9f38-8d205bb92409", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 35.15, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "2026-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-09", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "e563b015-c791-429a-bff2-d219df720ffc", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 961, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "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": "e78631da-4270-4344-83b4-f3e006f10c30", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 20.16, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "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": "e804de8d-fc17-4c17-82be-93f1f1774313", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 214211, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "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": "e866262e-adda-484d-90c9-78edaeb2c59b", "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": "niva-bupa", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "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": "ea0f84a0-40a2-4c34-a7a6-919b2dc18fd9", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 250360, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=679,922 vs Grand Total=679922.0)", "source_page": 39 } }, { "id": "ebe08c15-16aa-4ad8-801e-ea30ef64db39", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 28871, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "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": "eccc6a88-4b10-4d66-b30d-5095ce78871c", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 111, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=214,996 vs Grand Total=214996.0)", "source_page": 39 } }, { "id": "eed463e8-680b-4270-9d43-3d60e5ebd587", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 3.67, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "ef9db663-bddb-4eb2-8dc3-7ffbbd87c27c", "metric_id": "distribution.general.channel.direct_business_others.premium", "metric_name": "Direct Business – Others premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=214,996 vs Grand Total=214996.0)", "source_page": 39 } }, { "id": "f0ad7e7a-d774-45e2-8d65-6667c9054653", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.8, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "fadbc0c3-d116-4ac9-8ce3-404fbdbb225a", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": -7.86, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Website-Public-Disclosures-Jun-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 7", "source_page": null } }, { "id": "03bf2a04-0fa3-45e4-ba52-625e882fad7b", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 43.05, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 7", "source_page": null } }, { "id": "05a03829-dd74-4f8b-b84a-9d48f2b4d460", "metric_id": "distribution.general.channel.common_service_centres.premium", "metric_name": "Common Service Centres (CSC) premium", "value": 8, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "093fbb77-6026-4d5a-aa8b-a903b815bc0a", "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": "niva-bupa", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "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": "0a3e2a83-0457-427a-b1ec-6a26b8ba3931", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 937, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "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": "0b474af1-7650-49ad-9ac1-836be320f125", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 1.87, "unit": "INR", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "0c43703d-bc00-4c23-a60b-4260ee644120", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 68.55, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, health row immediately after label, col 7", "source_page": null } }, { "id": "13a35569-9d38-414f-a5b6-58867a3bee56", "metric_id": "financial.investment_yield.net.annualized", "metric_name": "net yield (annualized)", "value": 7.2, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "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": "15cfe342-113c-4a81-8e7d-7f187e665e32", "metric_id": "distribution.general.channel.direct_business_online.premium", "metric_name": "Direct Business – Online premium", "value": 75, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "1ceb55fe-d4d9-4f05-8636-94587b7fc9a2", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 14.99, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "1de590f2-3018-4567-8a60-1015b41d4642", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 273129, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "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": "1f5c225e-5122-498e-9033-79a0baeee787", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 1086, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "2801ad5d-b953-47fa-8d40-acc08803f869", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 14.02, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 7", "source_page": null } }, { "id": "295d8c7a-0fe1-4b1e-9e83-549ebd7c0159", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 122206, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "29cd50ac-b88e-4edd-a78a-efc5fcc6d344", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 37.06, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 9", "source_page": null } }, { "id": "2a4b5eb1-a5b6-44db-bff1-ac713ca5f4d7", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 86.12, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "45d66c03-1a83-47db-89d8-b2d1c8cdbd3a", "metric_id": "distribution.general.channel.direct_business_online.policies", "metric_name": "Direct Business – Online policies", "value": 1195, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "45eaf695-60fe-4de4-91ad-64bb98f1494f", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 56.76, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "46c48b15-5502-44e4-89f7-57d8f026f0e2", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.49, "unit": "x", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "47dff133-9bad-4b14-a99e-834a193cab91", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 212, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "4ebb08d3-d07b-46a2-b9d8-b17858e9acec", "metric_id": "financial.gross_npa_ratio", "metric_name": "gross NPA ratio", "value": 0.51, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: gross_npa_ratio", "source_page": null } }, { "id": "5ae69f24-53f1-4ecc-9f2f-650f2f35701b", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 338574, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "5fe88b10-7df6-4a04-b1f4-36166de08d6a", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 20.12, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "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": "606c84f6-b696-4bca-98fd-88cc2825c29c", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 31.35, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "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": "60cb58f0-5b2f-4b7c-958b-e7191e0fef09", "metric_id": "financial.investment_mix.segment.other_approved_securities", "metric_name": "other approved securities", "value": 95405, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "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": "64656cad-6887-4f04-baf7-16d5912c6c39", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 92742, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "68d5ca80-a784-4bf9-be75-22d67ea31f1d", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 16.06, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "71c9d407-156b-4445-ad49-412b8a12f0e2", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 341.16, "unit": "crore", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "79d477fa-b9a3-4f87-85ae-c16e865869aa", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 13669, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "8140c9d9-3634-4f5f-9546-98e565b8b44e", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 103.76, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, health row immediately after label, col 9", "source_page": null } }, { "id": "8ce6cbfc-8b7b-4cf9-ab51-f4b746f8a995", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 328969, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "96f2e14a-5425-4010-b267-9158df8328b0", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 51990, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "970f9daa-bfe8-49f2-a80b-6199875200c3", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 324063, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "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": "97c57ae7-2b42-41af-9513-61aaae629088", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 345.13, "unit": "crore", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "9efbeae2-65f1-407c-a272-6732be766c34", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 208304, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "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": "a734438f-608c-46bb-9ccb-36925a75d962", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 284354, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Mar-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=287,968 vs Grand Total=287968.0)", "source_page": 4 } }, { "id": "a9d997d2-1fdd-44a2-a704-eac6db47a462", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 4397, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "af87e9eb-95c9-4b3d-a0f6-2fcade42f058", "metric_id": "distribution.general.channel.insurance_marketing_firm.premium", "metric_name": "Insurance Marketing Firm premium", "value": 1169, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "b43abbc1-4352-405f-90bf-8f31187180d3", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 3319, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Mar-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=287,968 vs Grand Total=287968.0)", "source_page": 4 } }, { "id": "ba6e6966-0545-4c8b-81ef-bca90f6867f7", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 39.07, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "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": "bd1d2ece-3962-4ece-8fb8-cf77bd42fcbe", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 1333, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "be8f7391-a994-4989-978a-6115054fda96", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 35.65, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "c563e541-f126-49bc-8a78-adaea79eaaa6", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 25750, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "c606ff8d-4291-4940-917e-3fc876a81590", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 84.97, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 9", "source_page": null } }, { "id": "cb7ea9f8-533c-4c27-9af1-08a6f1b05495", "metric_id": "distribution.general.channel.direct_business_officers_employees.policies", "metric_name": "Direct Business – Officers/Employees policies", "value": 84888, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "cd9879d5-e4f0-4597-b632-4c56702fe664", "metric_id": "financial.investment_yield.gross.annualized", "metric_name": "gross yield (annualized)", "value": 7.2, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "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": "d2f83494-ae00-4dfa-930d-eed2f1005613", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 38.54, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "d3f2dcb9-47cb-405c-a9f9-fde959efc1b0", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 17.42, "unit": "INR", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "d769d423-1d48-4eb5-9596-800762097fca", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 5.25, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "da30a29d-85ab-49f2-b751-d618b32e0e28", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 257794, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "daa1c064-15e5-43f8-b3d8-8287d2c071a5", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 8585.92, "unit": "crore", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-35-QUARTERLY-BUSINESS-RETURNS", "reporting_period": "Q4 FY25-26", "source_document": "2026-03-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-09", "extraction_note": "NL-35 Grand Total YTD premium", "source_page": null } }, { "id": "dd68aeda-c3af-4624-aeeb-d758c947c457", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 14.33, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "e48cc485-4c55-4502-aed6-d65f55a9d2af", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 295, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Mar-2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=287,968 vs Grand Total=287968.0)", "source_page": 4 } }, { "id": "e539b3cc-b8d7-4795-81a5-d68259ccedaf", "metric_id": "distribution.general.channel.direct_business_officers_employees.premium", "metric_name": "Direct Business – Officers/Employees premium", "value": 26012, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "e58824a9-0807-43a0-ad05-f437c8cdd4c0", "metric_id": "distribution.general.channel.common_service_centres.policies", "metric_name": "Common Service Centres (CSC) policies", "value": 54, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "eb0375cd-f597-4580-87f2-71a21850528f", "metric_id": "financial.investment_mix.segment.mutual_funds", "metric_name": "mutual funds", "value": 31419, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "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": "ed58486d-a169-486f-b0f4-7c1d4d28f084", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 89712, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "eda42169-2ef3-44c6-8ff8-ba5408b7e3a6", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 33708, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "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": "f151134f-effb-4ac5-8bd0-aff68fb5d6cb", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.79, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "f2ae9529-a202-4f0f-b59d-2d156b9f9960", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": 297, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "f433ed80-0591-42a6-b932-eab894d8c2c5", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 136126, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "f473c1c0-79ff-4e25-92fe-bdb46c60d53b", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 28.49, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "2026-03-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-09", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "f70472a6-eeaf-4884-9659-3ac0a1bf3aa3", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 79.93, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "fdf2cd9d-8a00-49e4-8d30-12847d8fbd24", "metric_id": "financial.net_npa_ratio", "metric_name": "net NPA ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: net_npa_ratio", "source_page": null } }, { "id": "03bb5b42-89b7-43e2-8cc1-19ad83eabd20", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 33.1, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "2025-12-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-09", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "08373713-04b7-4c35-b7a1-0775847d8499", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 709, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "0a57ea2c-6817-4b53-b50b-3c802d46b50b", "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": "niva-bupa", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "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": "1046cbf2-fec5-4ca0-af47-44e185189798", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 285, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/niva-bupa/Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=223,127 vs Grand Total=223127.0)", "source_page": 4 } }, { "id": "10c444b9-2ddf-4501-87c0-021e93aac1bf", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 31.5, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "10daef1d-d454-488a-83d0-1a6b68f70339", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 2.1, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "10fcbb78-0224-4ef0-8bee-dd9f9d3ab839", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 292988, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "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": "150e208a-f152-4e68-a21a-f9482af088b9", "metric_id": "distribution.general.channel.direct_business_officers_employees.policies", "metric_name": "Direct Business – Officers/Employees policies", "value": 72523, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "1604d623-cbd5-4bf4-8e3c-658fd66a05ca", "metric_id": "distribution.general.channel.direct_business_online.premium", "metric_name": "Direct Business – Online premium", "value": 103, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "16b857cb-b380-4aba-8f57-33c28db0360d", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": 255, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "2842fcd4-412c-40ac-9cd6-55f158b64562", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 123535, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "2f0e66ac-ce80-46fc-830b-2b8128aeec20", "metric_id": "distribution.general.channel.direct_business_online.policies", "metric_name": "Direct Business – Online policies", "value": 3198, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "32060d36-3a38-4ff3-8ca4-f575b2d1566b", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 253863, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "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": "42fc5f28-3a3f-476c-9fd5-64f4b9a3ae5b", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.84, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "430a8b53-2a7e-4077-ad65-6aa77412280e", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 9426, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "46f10eca-eb9b-4c2b-af19-934d8646fac4", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.49, "unit": "x", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-26 solvency ratio regex", "source_page": null } }, { "id": "4a08128e-5d22-4e46-b4ff-333353cd4514", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 65.14, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "577270d7-4b0b-4925-9572-ae0c4d223c74", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 2686, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/niva-bupa/Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=223,127 vs Grand Total=223127.0)", "source_page": 4 } }, { "id": "580b4de1-ddc9-447d-a874-9578ae1c6dac", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 0.07, "unit": "INR", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "5bc5436a-f614-425a-baa9-b34dcfdfaa10", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 63590, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "5f32edaf-c0f5-4e85-b9ab-5d434d43f05c", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 174, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "6118db5b-4e99-4ba7-accb-c061d512b990", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 207415, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "62344b1b-cd18-47c8-927c-3e9b55830ce3", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 52.22, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "6ddbc464-72ec-465a-a37c-e9eac80a6c0c", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 20.12, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "70d09c37-8f37-4266-a32d-806fb70c77a5", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 39.41, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "74f77a64-6999-4ebb-bdf2-e2fedd4914bd", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 63576, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "7a2ca40f-8745-4b9d-a25a-2b97d84fc129", "metric_id": "distribution.general.channel.insurance_marketing_firm.premium", "metric_name": "Insurance Marketing Firm premium", "value": 869, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "7f114bf0-a484-4d75-b920-d6fc54c3b5f9", "metric_id": "financial.investment_mix.segment.mutual_funds", "metric_name": "mutual funds", "value": 36371, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "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": "7f432ef8-6210-48c6-ad00-8b4d8e741856", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 0.3, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "82756bf1-5652-44e7-8f30-f15824258bb8", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": -87.64, "unit": "crore", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "84bbf2df-2ed9-49ff-9c5b-609a8cf2ac2d", "metric_id": "distribution.general.channel.direct_business_officers_employees.premium", "metric_name": "Direct Business – Officers/Employees premium", "value": 20874, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "86ffce76-2409-4ffb-8aa8-9719781c56cb", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 84.35, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 9", "source_page": null } }, { "id": "88b7483e-ec32-4a57-b316-1f21a8a42f57", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 79.92, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "928456d6-918a-47bd-a3af-0d1b99c63f72", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 240161, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "93b43944-7a3b-448f-a068-e02c136957a6", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 15.7, "unit": "INR", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "9691d0ee-cba0-4467-8972-6006344b514b", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 45.54, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 7", "source_page": null } }, { "id": "984ea069-3993-47be-a1d0-0eecb9eda505", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 927, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "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": "9e46755d-7fe5-4b67-8127-21ba9dd09250", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 3236, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "a2a570c4-3bf0-4ba8-819c-599581f8e6d5", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 100657, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "a47aa9c5-6343-4594-a19a-7958e82bfaaf", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": -87.64, "unit": "crore", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "a73701e8-a84c-48ae-88a1-8ca320d4c326", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 1055, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "afac28ab-eb25-4f9c-b664-5e2c34134e61", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 24.29, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 7", "source_page": null } }, { "id": "b1bdbde5-fe9b-46a3-bc4f-a4c9af0eb68c", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 108.29, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "b7af09bb-151d-469b-a8b3-be5b4faf1773", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 1.15, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "c304cfdf-6a85-419b-8d50-c329c8d6482f", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 192766, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "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": "c4125a32-83a9-49db-ba0c-3a8eddd5710f", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 27442, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "c43c9260-089d-4d68-ab84-2b8db5335757", "metric_id": "financial.net_npa_ratio", "metric_name": "net NPA ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: net_npa_ratio", "source_page": null } }, { "id": "ce2d922e-fbc5-4ced-bdc8-5797b2e5ab8e", "metric_id": "financial.gross_npa_ratio", "metric_name": "gross NPA ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: gross_npa_ratio", "source_page": null } }, { "id": "d09a04e1-7bb9-4cdd-b868-2d24e3aa1d78", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 46240, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d48b084e-286b-450b-a001-51a0d17efbd0", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 51.69, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "da8e926a-03e2-416b-ba49-eaf9d0c9d161", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 74.09, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, health row immediately after label, col 7", "source_page": null } }, { "id": "dbf7ddb7-4cc6-4c07-8b59-69a21250bb6b", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 27800, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "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": "dd2afa4a-995c-4786-a9da-92d1dbe6474f", "metric_id": "distribution.general.channel.common_service_centres.premium", "metric_name": "Common Service Centres (CSC) premium", "value": 6, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "ddfdcd57-72f6-4cce-b883-4690b674e34b", "metric_id": "financial.investment_mix.segment.other_approved_securities", "metric_name": "other approved securities", "value": 88024, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "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": "de519c16-50c6-4813-8fd3-5ebf965ba04a", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 307853, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "df6533b9-16db-46f8-9398-db40eff57e21", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 85.46, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 9", "source_page": null } }, { "id": "e50348a4-1471-4083-bec5-66b650cc934f", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 220156, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/niva-bupa/Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=223,127 vs Grand Total=223127.0)", "source_page": 4 } }, { "id": "e86299a5-63ea-4c50-b37b-c6d3efac178d", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 112.36, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, health row immediately after label, col 9", "source_page": null } }, { "id": "f0bdd440-685f-406c-af37-df08e25b01aa", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 22.63, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Website-Public-Disclosure-Dec-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "f94f8b23-b733-415a-9a28-4f4df2ce1979", "metric_id": "distribution.general.channel.common_service_centres.policies", "metric_name": "Common Service Centres (CSC) policies", "value": 53, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "00814b13-0cf3-4d56-9dca-e837e89ba7cc", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 37219, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "04aaa187-3d43-46b7-be5d-d8de9fa264a6", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 99387, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "06a297e1-2f6e-46d5-a1be-605493195590", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 20.4, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "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": "0cf7e1c3-03cf-4a2b-aadc-79957be49b5e", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 71.2, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.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": "1132405e-a468-42f8-ac96-e1aaaf6f36f2", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 705, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "118aa7c1-24bb-4ff1-9a77-57d709d1e084", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 43.18, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.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": "24c0fe99-3d57-4dde-88a7-70268b8886cf", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 131, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "2857f5cb-b04d-43b0-b8b1-9234c5ccf49f", "metric_id": "financial.investment_mix.segment.other_approved_securities", "metric_name": "other approved securities", "value": 76625, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "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": "2ab80e68-05f0-4816-897a-fd6705ac8d97", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": -35.27, "unit": "crore", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-2-B-PL PBT row, col 3", "source_page": null } }, { "id": "2bcb3ec4-96e4-4a0b-97a8-5c6d52b01d3c", "metric_id": "financial.required_solvency_margin", "metric_name": "required solvency margin", "value": 111249, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-26 RSM regex", "source_page": null } }, { "id": "2d34b52d-ff0c-40c2-9fd8-f38382f5e503", "metric_id": "financial.gross_npa_ratio", "metric_name": "gross NPA ratio", "value": 0.59, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: gross_npa_ratio", "source_page": null } }, { "id": "2f16807a-7ab2-4dce-82b5-a56537313e8c", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 49.43, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.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": "2f30a12a-dc45-43d4-8efb-24fbc35b839c", "metric_id": "distribution.general.channel.direct_business_officers_employees.policies", "metric_name": "Direct Business – Officers/Employees policies", "value": 75632, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "319f33e3-951e-48cb-8a3c-16199632348c", "metric_id": "distribution.general.channel.direct_business_online.policies", "metric_name": "Direct Business – Online policies", "value": 3082, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "32d37a5c-d3a5-457c-82db-31c8f4295b90", "metric_id": "financial.available_solvency_margin", "metric_name": "available solvency margin", "value": 316517, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-26 ASM regex", "source_page": null } }, { "id": "364611d4-c098-40b2-a2c1-5365f09a944a", "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": "niva-bupa", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "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": "46f2ded4-2607-40d6-9281-29f67fa1996c", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 241802, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "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": "47a0cc32-e6db-4880-a97b-561b50edb5be", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 11712, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "4b72a684-7565-4d3b-a334-6b03afe56634", "metric_id": "distribution.general.channel.direct_business_online.premium", "metric_name": "Direct Business – Online premium", "value": 178, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "5a4e170c-0e52-486b-90e6-f52e048ead8a", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 186360, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "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": "5ce32bff-fed9-4550-9275-87256bde3db0", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 181672, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/niva-bupa/Website-Public-Disclosure-Sep-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=184,307 vs Grand Total=184307.0)", "source_page": 4 } }, { "id": "5e640c15-db86-480a-bc16-93ce31043710", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": -0.19, "unit": "INR", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.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": "5efb60e9-c709-4907-a469-a88604a37778", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 16.01, "unit": "INR", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.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": "5f5974c3-9ebb-467b-871b-6945baf1e25a", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": -2.43, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.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": "61b75c04-28fa-492b-9b99-a01106d41197", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 114.83, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, health row immediately after label, col 9", "source_page": null } }, { "id": "629f776d-a234-4107-9014-8fb17266b1bd", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 319, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/niva-bupa/Website-Public-Disclosure-Sep-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=184,307 vs Grand Total=184307.0)", "source_page": 4 } }, { "id": "690f28b5-9fe9-46da-9069-0d149864c42d", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": -35.27, "unit": "crore", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-2-B-PL PAT row, col 3", "source_page": null } }, { "id": "738ba1ba-4f5e-4c6d-aa48-f012c4e27312", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 57681, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "74e67779-26f6-4062-b492-57bb3f8df1b2", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 34.05, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 7", "source_page": null } }, { "id": "74f5fdd9-13b3-4134-9ec6-01bf79de4f3b", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 44.98, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 7", "source_page": null } }, { "id": "78b2e35d-20b7-4620-8c67-ea778fcafdae", "metric_id": "financial.investment_mix.segment.mutual_funds", "metric_name": "mutual funds", "value": 30929, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "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": "7c26bf6d-73d9-4656-8d5e-596e2217a324", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 19.3, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.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": "881c9b23-476a-4b8a-9192-4c56889cd3f3", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 19969, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "89639830-8cbc-443a-9ef5-1c34900caf79", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": 258, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "8f4abb39-f70c-41cf-ba2a-1a3c86cf4294", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 3.7, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.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": "94b3e12e-a75d-4293-ba32-f26d8995da82", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 78.15, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 9", "source_page": null } }, { "id": "b2ca8c29-4e42-48e0-bf14-93062d93bc31", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 75.04, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, health row immediately after label, col 7", "source_page": null } }, { "id": "b6534932-c6cc-441b-a3bc-624f3d210606", "metric_id": "financial.net_npa_ratio", "metric_name": "net NPA ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: net_npa_ratio", "source_page": null } }, { "id": "b813d0df-b2c1-43cb-8aa5-470379367e35", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 111.72, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.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": "bb0661de-a282-4204-a65c-7cf85a7158eb", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 276908, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "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": "bba904b1-c140-4398-8718-c6ccda1f24ec", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 50179, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "bc882d35-ea68-4fae-8ef0-cbbd4d22ede5", "metric_id": "distribution.general.channel.direct_business_officers_employees.premium", "metric_name": "Direct Business – Officers/Employees premium", "value": 17924, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "be111d64-888e-43c9-8f5e-97d55829d058", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 259755, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "c344b4fb-bfca-45f2-83e1-02b012840124", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.85, "unit": "x", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.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": "cf166118-70d3-43bf-a1f1-e4905996866e", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 2316, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/niva-bupa/Website-Public-Disclosure-Sep-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=184,307 vs Grand Total=184307.0)", "source_page": 4 } }, { "id": "d0101c02-0c84-40ed-9ff9-b07272998fe5", "metric_id": "distribution.general.channel.insurance_marketing_firm.premium", "metric_name": "Insurance Marketing Firm premium", "value": 767, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d165c591-044b-4018-932e-70e5849d35cb", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 39.61, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "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": "d17b34d4-6d65-4a5a-987b-da027cb4581f", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 1045, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "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": "e0d03ef5-066b-418d-850d-9f1e044f8ab5", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 3734, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "e3725396-fe50-43b3-bef9-f54b060bd737", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 1125, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "e5ac59b3-84e7-472c-97ef-3ffebcba6ce6", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": -4.36, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "e9929083-4669-417f-b09f-52197fe074a1", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 217702, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "f24e9874-4d16-4d44-9faf-ce43b0b23618", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 31.03, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "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": "f28c260d-9f9c-46bd-9246-63791f24d514", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 78.68, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.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": "f57c1efc-dbb8-4d5e-8c54-bfc1c3ca313b", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.83, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.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": "f5e9c0e9-597e-4d02-ab78-1830f11f293b", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 34507, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "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": "ffa14958-c352-4f63-8869-ad7ac4e9e2ff", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 97.77, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Website-Public-Disclosure-Sep-25.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 9", "source_page": null } }, { "id": "003229c1-a70e-499c-beb6-c337368eb2c8", "metric_id": "financial.claims_paid_to_provisioned_ratio", "metric_name": "claims paid to provisioned ratio", "value": 83.67, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "02bdb6f9-2a8d-4be7-b008-0e107da00edc", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 1032, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "12225d10-6917-46ee-adfe-f2215f34bf49", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 117.67, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "14f6531f-cb6f-4adb-b8b0-4e5380dda713", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 48.14, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-09", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "1785fdad-3da7-42cb-9e2b-d5cfb9a5502b", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 86143, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "194c9c64-385e-47ce-af70-b53af946b510", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 160308, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. 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": "327d795c-0218-4fd4-b8ac-670be72dccf0", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 32.99, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "359c3185-751f-404c-a06a-a7b55c0b920e", "metric_id": "financial.investment_yield.net.quarterly", "metric_name": "net yield (quarterly)", "value": 1.83, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "38dda18f-6c5e-41d1-bd6b-30933b110cd1", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 55, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md. | 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": "3b2f8af2-505b-4b64-956c-297e775af4a5", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 120, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "3bf9e1a5-8270-4077-85d4-f3ef6c5032d5", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 11.46, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "3c0a6861-ce94-4709-a1a6-2d0e4ddda577", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 278213, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "3e82260f-94b3-4f19-9a63-2d2debd09270", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 116.97, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-09", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "3f5ce7f1-e8c9-4444-a3e5-ca8b8f2943e1", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 45.41, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "40194ea9-885a-4792-bf21-f97e04646db2", "metric_id": "financial.investment_yield.gross.quarterly", "metric_name": "gross yield (quarterly)", "value": 1.83, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "4187ec10-85a9-4c10-8668-fff5eeabc8e7", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 125.27, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "47a3b23e-c625-4ba4-a252-5aae1e210fd2", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 31612, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "4876563d-93c6-4a1c-a636-215a35fdc6ab", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 30.82, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "4fff1682-f97b-4e12-b9e1-b58589b5ad17", "metric_id": "distribution.general.channel.direct_business_officers_employees.policies", "metric_name": "Direct Business – Officers/Employees policies", "value": 79963, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "596f0bd5-e13b-4a8b-b14d-4fd1bd941ff2", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 226048, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "5d8aa7c8-8415-4a90-b130-9649726c6f1e", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -19, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "677de5cd-4089-4143-b9ea-d0a6fdd1a9b9", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 1117, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "69e968cf-5ba9-4afc-bc63-25a7911cdd5e", "metric_id": "distribution.general.channel.insurance_marketing_firm.premium", "metric_name": "Insurance Marketing Firm premium", "value": 759, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "70f96143-a39b-4a7d-841e-532d1401896d", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "7411fc53-a6b9-439b-b5ea-de29cf3c1a21", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": -91.44, "unit": "crore", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "77c0d6e5-835c-4f12-97c9-77a0df8e19a8", "metric_id": "distribution.general.channel.direct_business_officers_employees.premium", "metric_name": "Direct Business – Officers/Employees premium", "value": 18258, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "7cf3e6f0-b2d9-4ff0-9c5e-b2957da741e3", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": 211, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "7ea96d37-029b-4656-bdef-392f1892e5c6", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 37.99, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-09", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "836b868d-2f80-43b8-8af4-2cfe6e4435a1", "metric_id": "financial.investment_mix.segment.other_approved_securities", "metric_name": "other approved securities", "value": 70678, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "83e4fd79-2700-4de7-9986-6a0f5ae41c1f", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 40.09, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "854ff2d3-2648-4933-88e7-70b91dec00a1", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 47.04, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "8c1a5b0d-10f6-438a-848a-ce5df09e0559", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 35094, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "9363e559-cad1-4780-9e17-d2df002b281c", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.86, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "973bcb26-3bbe-478b-be4d-b3e8ec702f1a", "metric_id": "financial.investment_npa.gross_amount", "metric_name": "gross npa (amount)", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "97c1ad11-b42b-4f4c-b32a-24ea78251ded", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.86, "unit": "x", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-09", "extraction_note": "NL-26 solvency text regex", "source_page": null } }, { "id": "9a59b6c7-f3b4-4062-b471-d481f60fb5c6", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": -11.9, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "a30c9796-aab1-49a8-abc9-6a27307544a9", "metric_id": "financial.technical_reserves_to_premium_ratio", "metric_name": "technical reserves to premium ratio", "value": 2.63, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "a52d8caf-2ada-4f39-b5da-2403248dee76", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 229432, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "aaf55053-5c6d-4e0e-806a-229ef6f5a6ae", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 577, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. 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": "adf6a336-4a11-4c18-adfb-1d0175494f57", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 716, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "ae7be82a-1514-4d1f-9ab8-df4d63049840", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 179005, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "aff5c099-ed01-4b3e-b5e3-dea1782bc16a", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 79.78, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "c281725e-16b0-4e1a-a689-6f58b0ca9c5b", "metric_id": "distribution.general.channel.direct_business_online.premium", "metric_name": "Direct Business – Online premium", "value": 241, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "c2ee229c-6015-4aa3-9d9a-b97f730bff3e", "metric_id": "financial.investment_mix.segment.mutual_funds", "metric_name": "mutual funds", "value": 17711, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "ca4a7351-31f2-4516-8e94-af5d8e210d46", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 16487, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d1ba52cf-0548-4d1a-8e99-4d918a0cc730", "metric_id": "distribution.general.channel.direct_business_online.policies", "metric_name": "Direct Business – Online policies", "value": 3407, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d7c708b5-3642-4325-a088-c03dcb4b376d", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 48513, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d805b5c0-3fb5-4d11-a616-08e0201a7f8f", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 46989, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "dc509a62-8bf9-4f8b-b00a-be9152d22f50", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 3181, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "e12c0884-5450-4349-8c10-6d8b9a9336c0", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 2305, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. 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": "e535787f-5546-44f0-a8a5-a4f78de4e78a", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 203956, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "e56ab894-62b0-4c9f-b17a-65aaab224152", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 5879, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "e5c4cd34-8c93-457b-b2b2-64154608c181", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 20.43, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "e6f44f05-92e0-4dbf-adf4-75b86181f824", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 78.72, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "ea806695-d6d1-453a-a35e-045ede109e13", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 78.92, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-09", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "f127884e-291a-4a38-a0cd-202028344144", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": -91.44, "unit": "crore", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "f3f4f4d9-c567-475f-b4b6-9679b364cc0f", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 20.17, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "f50641b4-a6f0-4097-a00c-2284e58f28df", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 77.86, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-09", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "fd9d77d0-b7c2-4d2b-84f9-39f1eb06b0b9", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "029245a2-8c78-46cc-bfe3-0176881052e1", "metric_id": "distribution.general.channel.micro_agents.premium", "metric_name": "Micro Agents premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY24-25", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Mar-2025.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-36 channel premium, for the quarter (sum=207,865 vs Grand Total=207865.0)", "source_page": 41 } }, { "id": "0fceefb1-0f55-4ebf-a82d-111879957c6a", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 3732, "unit": "count", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY24-25", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Mar-2025.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-36 channel policies, for the quarter (sum=667,478 vs Grand Total=667478.0)", "source_page": 41 } }, { "id": "115b42b2-1517-4c1e-9fea-e9ce802d3d6a", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 71145, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY24-25", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Mar-2025.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-36 channel premium, for the quarter (sum=207,865 vs Grand Total=207865.0)", "source_page": 41 } }, { "id": "2a3b4997-0eff-443d-a50b-df1ce9592f4d", "metric_id": "distribution.general.channel.other.premium", "metric_name": "Other premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY24-25", "source_document": "pdfs/niva-bupa/Website-Public-Disclosures-Mar-2025.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-36 channel premium, for the quarter (sum=207,865 vs Grand Total=207865.0)", "source_page": 41 } }, { "id": "2b0bf6b6-f160-4360-961e-f5c0936bb1ba", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 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