{ "insurer": { "id": "universal-sompo", "slug": "universal-sompo", "name": "Universal Sompo General Insurance", "seo_name": "Universal Sompo General Insurance", "type": "general", "irdai_registration_number": "134", "registration_status": "active", "headquarters": "Mumbai", "website": "https://www.universalsompo.com", "disclosure_url": "https://www.universalsompo.com/Footer/PublicDisclosure" }, "facts": [ { "id": "05cfeaa0-3f60-4cdb-899f-e9232eea8afb", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 4.63, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "06d605cd-04f7-4cf1-a6b8-00f4d42c929d", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 104.32, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "0a4e144d-68e8-4bb6-8f1e-a4d006063583", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 20072, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "0b594ef0-25ae-4bbe-87b2-a57a98891a3e", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 21552, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "0d114e88-e1dd-4815-83f8-a910a7b4525f", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 73.34, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "0fc386f0-5f94-4963-bee6-fe8c6fa1b378", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 197661, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "11ea4e37-1de9-4500-a5c0-6d440f7e4fae", "metric_id": "financial.technical_reserves_to_premium_ratio", "metric_name": "technical reserves to premium ratio", "value": 4.22, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "12448d66-071d-4e73-81a5-c1471dcce23a", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": -241.76, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "127afc86-be84-4794-af71-4b1cbd07737a", "metric_id": "financial.investment_yield.gross.quarterly", "metric_name": "gross yield (quarterly)", "value": 7.16, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "14fc3f91-47de-474d-b6ef-08ba7451a271", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 6636, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-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. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "19e3d086-e5d0-42be-8bf2-632850ffaa1d", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 4758, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "19e58339-6437-4869-8f62-343b51e8cbf3", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 149.17, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "1cfe7958-44a1-473d-9887-82286c473bf1", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 93, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "1d5030bd-59e6-46fc-9faf-920079b9e143", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": -2.88, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "1d5298aa-37f7-41f8-81f8-fe042cd5e31d", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 11348, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "21a72849-b16c-47cf-a05a-456df5cd2a7e", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 70.98, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "27a3088d-05fe-49dd-8120-2bb411b34823", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.81, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "2a57c96b-e4fe-4e82-914a-04656c5c197d", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 2597, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "2e2108b2-8582-47bd-aac6-dae64e8f1265", "metric_id": "financial.combined_ratio.segment.aviation", "metric_name": "aviation combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "34ecb194-cf79-43c5-9a8a-c2d78d2ce04b", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 143.19, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "35df50c9-1020-42c2-bda1-c7a52b575e73", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 9563, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-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. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "361607d5-9d94-4338-a953-0038f6a2ff54", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 113.62, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "3aaecd2c-aa4e-4e21-b2b0-addf428753a7", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 129053, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "3b802d4a-6e17-4f00-96fd-8fdf813973ea", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 7138, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-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. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "3d1e7e24-e45a-4708-a4ab-d20954364021", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 25, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "3da7c37d-42f8-4f4e-bb03-0822d69c2d17", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -8, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "3f6e8a4e-d63c-4f7c-9bda-d2e7f9c3e009", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 37, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "402a610b-1f45-4d10-ae7c-03b6d3174b3c", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": -881.7, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "40d84c90-a2aa-4a46-97ee-55462e849d79", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": 919, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "493a8881-bf80-4c92-903f-0d80611eb72e", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 169, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "4b6c6e11-93de-4a1c-b360-c9872a25efb8", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 96.37, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "52492bfe-1093-44ba-8d1a-8760ca576f5b", "metric_id": "financial.claims_paid_to_provisioned_ratio", "metric_name": "claims paid to provisioned ratio", "value": 20.14, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "527916ff-26b8-4f1c-bd39-153f14bf23f4", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 29, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "5d08cdfb-b7d5-496c-bde3-46f7f3675869", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 41.04, "unit": "crore", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "61936400-6cbb-4d6f-b8f6-e2c8e9c998ba", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": 22.22, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "688aa8d7-2342-427f-812b-3fc1b298d497", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 52.11, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "69319b12-d2b4-4f17-a0aa-65c2257e04dd", "metric_id": "distribution.general.channel.common_service_centres.premium", "metric_name": "Common Service Centres (CSC) premium", "value": 634, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "697a1c98-2d84-4abb-a9eb-1d7d99061d02", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 44195, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-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. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "69e24ba2-441f-42d3-944f-cc120f37018d", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 74.35, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "6bee336e-c1eb-4902-bed2-dacc537938e7", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 2242, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-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. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "6c6a88ca-66f5-476b-af2b-c30246832d3a", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 760, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "72394f9e-7ec8-4c7c-8813-26ada64ede86", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 7540, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "76df8fe9-0f17-4193-9ff4-7334607b275f", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 46866, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "77f6307b-9afb-4560-a8f7-ad3e90dde6bd", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 83.52, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "7b03ca42-09b5-49cd-bdfc-46f59895cc05", "metric_id": "financial.investment_mix.segment.other_approved_securities", "metric_name": "other approved securities", "value": 6634, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "7b78bdbe-26d4-47ec-b58d-6b88b2c2c8ef", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 102.01, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "8a90cb37-4305-4a8f-9825-918436ec9964", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 2057, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-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. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "8bedc9d8-2125-48b2-8a77-0037a233b1a1", "metric_id": "distribution.general.channel.direct_business_others.policies", "metric_name": "Direct Business – Others policies", "value": 1494, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "8dba7ddf-9721-4d92-ba86-d841cc09d508", "metric_id": "distribution.general.channel.common_service_centres.policies", "metric_name": "Common Service Centres (CSC) policies", "value": 22916, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "8f8b117e-3ed5-44a0-8bf9-b950dea90424", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 80.35, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "8fb66c62-1bc6-4acb-9ff7-2395b5e705b4", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 25.97, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "9a851b01-b2f4-4b15-9dc4-6469e1cdc784", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 108870, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "9dd58ea2-2737-4659-b078-b3bf7be79c76", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 28.71, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "9e8805bb-7ca9-4177-85af-0f21e7821096", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 55.05, "unit": "crore", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "9e8bc09a-93da-4119-ac20-4bb66f2b984c", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 87, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-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. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "a3fe9faf-ac2f-4c08-bb1c-6877c0591f60", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 33.49, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "aae02a8c-c34b-4573-93f0-2da42b69455c", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 5.5, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "ab056bd3-5f8a-4b4f-9625-c922f7478d25", "metric_id": "financial.gross_direct_premium.segment.credit_insurance", "metric_name": "credit insurance segment premium", "value": 424, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-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. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "b08e4b55-227b-4fe6-8f41-1b282a985b0d", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 42415, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "b3668024-ce2f-49a9-ace8-b20ecfb9a938", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 68.52, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "b74b3305-dc75-482c-90bc-b1ddf617f842", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 147.96, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "bd7f451b-f6e2-4a37-be8d-e67eb159c473", "metric_id": "financial.investment_yield.net.quarterly", "metric_name": "net yield (quarterly)", "value": 5.36, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "be4997e9-72f3-477a-b604-2121849e9e51", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 263751, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "c087610e-00ac-44e9-9152-efc897572bb3", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 77.5, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "c1cdb7e9-259b-4513-a477-28a707e8decd", "metric_id": "financial.incurred_claim_ratio.segment.aviation", "metric_name": "aviation incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "c22a8b8d-0b1b-4384-beb3-52cbcf511050", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 853611, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "c30ea5a6-9918-497a-8a43-ceccd35f1238", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 61853, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-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. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "c3eb4e31-4ff1-4ef5-8d2c-e4148449c32d", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 10.36, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "c60dc087-934d-4970-aac8-21f42d08cd6c", "metric_id": "distribution.general.channel.insurance_marketing_firm.premium", "metric_name": "Insurance Marketing Firm premium", "value": 507, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "c79f509b-a561-40fc-bb03-be4a3dbec10a", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 65.83, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "c81026a4-7b15-4752-915c-8108d8f06b90", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 167084, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "cc358ffe-80a4-4357-b0d2-0a374d38fed8", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 34439, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-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. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "cfce241b-3961-434c-88ab-a39d9d64dfa4", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 89.34, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "d09d1186-3e97-44af-b059-7563ba2b705a", "metric_id": "distribution.general.channel.direct_business_others.premium", "metric_name": "Direct Business – Others premium", "value": 22576, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d52d251e-67a1-4962-b409-28546c79d936", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 26.4, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "d7fdf450-1746-49e2-baa7-0d3d20acbd4a", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 146450, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "da238983-d94b-406b-94a3-6429d251b886", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 22034, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "dc710836-e5c7-41a3-a202-768fcfeca066", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 478, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-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. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "ea13a435-d677-45f7-a74e-6454a26664d0", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 664, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-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. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "eaa45dc4-2231-4e1c-8d5f-0a022f856df5", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 11.97, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "ee467a43-b847-4b9a-a2cc-6969f75e157c", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 867, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-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. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "efa54a22-fe94-49c7-956a-7695274d9b81", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": -286.43, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "f2c26b38-cee5-4f49-8035-3782b9aeada8", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 87.09, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "f32d6538-11d2-43a4-bbb8-a649df7e2770", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 23.97, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "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": "0025cd74-b6c9-481a-87a6-b67a7ee5ef43", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 4665, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "009136bb-4e4c-4eaa-b79d-0ac9cae84fe6", "metric_id": "distribution.general.channel.common_service_centres.policies", "metric_name": "Common Service Centres (CSC) policies", "value": 18890, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "0166cde3-154c-48ae-8d79-9dad323944e5", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 48.23, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "044e2bb6-15ed-4211-aeea-de25a2f723fc", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 13.31, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "04b5878b-4c27-4bb9-b27d-0784bd0992d0", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 143134, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "063632f3-de47-41a0-8913-7f1e1844808b", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 11471, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "0a2d0c6f-3ea3-4e92-b78f-25346329240f", "metric_id": "financial.gross_direct_premium.segment.credit_insurance", "metric_name": "credit insurance segment premium", "value": 835, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "0d477d89-8e51-4ff6-a3cd-9a137dfc43e3", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 50, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "0e354876-6fce-4098-a991-cad2d84912f8", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 340.79, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "11db59c4-d999-457c-a0f0-598fd3b219c1", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 42755, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "1361fd7e-672c-4729-90b8-bb64a6ca8c34", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 58.76, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "1768de2a-476d-4c37-9d09-5fa0d85d9eb1", "metric_id": "financial.investment_yield.gross.annualized", "metric_name": "gross yield (annualized)", "value": 8, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "228e04d8-4d98-4cef-9a34-4f9b06161d6f", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 7.84, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "26b63373-1c82-43a6-99b4-59084b0f689b", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 26.73, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "2c6043af-0a4d-4b0e-a173-9a1e3d2f44ff", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 7090, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "2dbc0e42-92f5-4176-9637-bcdd2f860cba", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 51.85, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "2f31b7fd-aca8-443c-b8d3-a55973a3dfc4", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 54.19, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "374a0c52-9ca2-4dd3-99d9-a22bdb8554dd", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.83, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "376c20c8-15de-4d2d-8cdf-7c71c7b1e37d", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 55.3, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "39371453-e452-4692-8d5d-06684b0316ad", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 64019, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "4130097b-c177-47f7-8600-20c5a8036545", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 56.09, "unit": "crore", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "4d79813b-12d0-443e-a69e-e568889b0f0e", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 16422, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "50237b33-25f7-42e0-985b-8b2b93f00528", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 2072, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "55c9e08d-dd3a-4289-a711-5028798f23d1", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 64.69, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "5917e688-9ecf-413d-b51f-9a4035039d09", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 15030, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "5c17962f-4b35-425c-b8a6-8440ddef0e82", "metric_id": "financial.debt_equity_ratio", "metric_name": "debt to equity ratio", "value": 0.14, "unit": "ratio", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 row-format label match: debt_equity_ratio", "source_page": null } }, { "id": "61ab5076-a663-4126-b43a-bbda4a79bcb6", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 5264, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "658cd09a-d83c-498a-905f-08f398fd925e", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 19.33, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "65f0b1d0-a783-4298-bd72-f17b16cd9844", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 94.35, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "67a7dc2b-bbf1-434d-9093-8d360ddff3d7", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 435.97, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "6f3c6cb4-f3f3-478e-ba72-e09088812391", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 2981, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "6ff124f3-44c6-4d18-b487-74b25ebdaf0e", "metric_id": "distribution.general.channel.common_service_centres.premium", "metric_name": "Common Service Centres (CSC) premium", "value": 6386, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "708a915f-df8c-4c22-958e-06284a520b76", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 74.24, "unit": "crore", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "724e0974-1dab-42b8-8f98-3561b1307dca", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 35.57, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "74a08fa2-fb13-4e98-8380-8b9492003cca", "metric_id": "financial.combined_ratio.segment.other", "metric_name": "other combined ratio", "value": 60.01, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, other row immediately after label, col 8", "source_page": null } }, { "id": "75fc8c59-fe59-40ce-b331-87c266fda587", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 19760, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "78bf853d-4d75-4937-bfcf-490fb4fe45e1", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": 45.45, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 6", "source_page": null } }, { "id": "88a5f03f-bf5f-426a-90cf-e42b1c448ffa", "metric_id": "financial.incurred_claim_ratio.segment.other", "metric_name": "other incurred claims ratio", "value": 74.04, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, other row immediately after label, col 6", "source_page": null } }, { "id": "8acba648-8714-4b95-a624-a50a2e2fdaa6", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 36.74, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "901d2b66-76c4-4e03-88de-2d8e369121c3", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 114.15, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 8", "source_page": null } }, { "id": "930f5535-4ae4-408d-8526-f324616168ac", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 25, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "94af94cc-3a8c-43bf-b88e-da6d9f041fcf", "metric_id": "financial.investment_yield.net.annualized", "metric_name": "net yield (annualized)", "value": 6, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "9598b1ec-ed5c-4cee-b683-399192e8664c", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 99.14, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "96cefd8a-e6bd-4ad4-909d-a421040340a4", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 825405, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "981497ff-29b6-4217-a753-43bf579c313d", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": 783, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "999c5d1c-1bd0-447d-adfd-494c2bc4bcd0", "metric_id": "financial.incurred_claim_ratio.segment.aviation", "metric_name": "aviation incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 6", "source_page": null } }, { "id": "9a174cb3-e673-49bd-9db1-9f7f330231be", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 1.52, "unit": "INR", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "9d7c8ad0-4eb2-4b0d-962c-f9d9605bdfef", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 85, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "9da45f9c-218f-4365-98aa-d2822468ff9f", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 92290, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "9e1b5a24-5bdf-4340-b6a5-a1ecebbf29e3", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 22886, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "9f7719b2-28e7-4983-8104-48d3aca6d042", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 20833, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "9fc94a3d-b1db-4bd2-ba7f-6e35f388bb4a", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 33762, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "a039de66-d848-499a-a784-4fd8bcbe4afd", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 422, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "a2035e0f-d9fe-4b28-b18c-d13ef3598565", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 83.08, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "a8dcfc09-c8d4-4416-9de6-e6c020f0ebe6", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 9.33, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "aab77162-c12c-4042-9d75-f76df102d34c", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 452, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "ac199cd0-f941-495b-95f4-244a78f45a00", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 119.92, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "afa248a2-5838-4b37-8fc4-f45515ecf083", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -2, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "b2facffe-eced-4675-8744-330494d580e9", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 44648, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "b3ff5bcd-da2f-46eb-b022-d7fb4e18456a", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": -1.49, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "b63b94aa-c873-4712-aabb-cb81ad2dc9db", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 117.55, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "b68baf46-1b27-47f5-bc29-1ebe30fd9b8e", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 107.17, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 6", "source_page": null } }, { "id": "bbe2dd68-9958-40ea-84c8-ab080abbc21e", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 564, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "be098889-c227-4d93-9a50-602521c6bdfa", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 37, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "c13488d8-a93c-4a5c-ac05-450f1014f581", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 143018, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "c1872985-6ddf-4afc-92c0-98bf9f55968c", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": -16.27, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "c238acdb-71c4-4217-a3c2-08c92daf993f", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 8480, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "c2940d6c-17d2-43ea-938c-67ee3da0ed57", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 106.31, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "c43a883e-b848-4d5e-a97e-bf4795e5409c", "metric_id": "distribution.general.channel.direct_business_others.policies", "metric_name": "Direct Business – Others policies", "value": 3363, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "c5b75a19-c5dc-41c8-b09d-25477d68232b", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 60.94, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "c72ac9bb-6476-4d1e-b848-49321b0b3167", "metric_id": "distribution.general.channel.direct_business_others.premium", "metric_name": "Direct Business – Others premium", "value": 16886, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "c7f8bf4e-7573-4e52-aeba-7c61afc4dfd0", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 28, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "cb0ddfcd-6221-4cb3-a9c9-2397da9e97d4", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": -665.36, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8", "source_page": null } }, { "id": "cff7881f-005a-4ffb-a3d6-52f12ebd06bb", "metric_id": "distribution.general.channel.insurance_marketing_firm.premium", "metric_name": "Insurance Marketing Firm premium", "value": 494, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "d2064e66-f08a-428e-b717-96677375a19d", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 5.84, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "d34ce408-554a-4a73-b45b-77522c0afa80", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 66.95, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "d4a9459b-5de2-45ad-b0ef-13496b447ae5", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 108.28, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "d4e051f2-b3bc-4398-b146-1da41dcbab0a", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 708, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "d5f43956-3d4e-43d0-a7dc-52809fe887aa", "metric_id": "financial.investment_mix.segment.other_approved_securities", "metric_name": "other approved securities", "value": 30773, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "dd23af4d-216f-46cd-913e-8c72f3d46763", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 80.13, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "ec9b8e0b-e170-45b4-8a79-61a0cbf8879e", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 3.65, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "ed0dc45f-438d-4172-8499-32744ee28e25", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 86.49, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 8", "source_page": null } }, { "id": "ee12750b-2bd2-4f94-b03f-e67aaec5421e", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 246895, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "f226d78d-9878-4c3f-ba42-f855acb755a7", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 932, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "f2769137-fb27-4df3-9cd2-453b158e123b", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 50.2, "unit": "INR", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "f28d5cea-db88-417f-8b27-40e5412fd547", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 151899, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "f7d1f262-a5cb-4643-b7cb-3e98b4f194af", "metric_id": "financial.combined_ratio.segment.aviation", "metric_name": "aviation combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 8", "source_page": null } }, { "id": "fa58d593-a4b6-41e4-8bdc-e77cd377c210", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 185269, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "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": "078a9869-7119-442b-8743-d34fabdf511e", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 18905, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "0a676d6c-48f1-49bc-a3aa-d6f08f4928f6", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 100.44, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "0d51ae1a-5ab4-4fa5-a7b8-0b526cbc5c88", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 211652, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "1381ca34-372a-4bbc-809b-b74f73563915", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 5884, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "15e255df-2ea3-4e66-a060-aef054dbef38", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 7468, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "1974bd8d-0ebe-4deb-9f6d-45cdafdbf0f3", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 170788, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "1b6ce8c7-924b-4f15-bdf3-4512ca260550", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 10.63, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.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": "1c007b66-b4bd-498a-b743-fb91729e143b", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 46.69, "unit": "crore", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "1cc909cf-5294-42c1-af73-2f21aa210067", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 53.99, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.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": "1e2f4a2c-8ec2-4470-a60a-5a4ab304aa82", "metric_id": "financial.incurred_claim_ratio.segment.aviation", "metric_name": "aviation incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 6", "source_page": null } }, { "id": "231dd643-7117-4802-bda0-f8d0d28d2786", "metric_id": "distribution.general.channel.direct_business_others.premium", "metric_name": "Direct Business – Others premium", "value": 17433, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "26943aee-1ba2-4061-869f-f741ac8e23c5", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 48307, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "2bbc93c0-49f8-4e12-9fb0-287d1c60419b", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 25768, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "2e320001-c2d5-47b9-97ae-9e04d120e641", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 902071, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "2ebedf81-8bfe-48f0-8dae-0e94e1bfa115", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 51402, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "2f21a239-b4e4-4fce-96ab-e90750740f15", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 793, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "2f7dc91b-9197-4a18-b3a1-83e00c8813e6", "metric_id": "financial.debt_equity_ratio", "metric_name": "debt to equity ratio", "value": 0.15, "unit": "ratio", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: debt_equity_ratio", "source_page": null } }, { "id": "32437668-09e7-45cc-b954-d1a4b5eb85bc", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 48.67, "unit": "INR", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.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": "3372a77b-41ce-4771-9da2-c62e3b07cb55", "metric_id": "distribution.general.channel.insurance_marketing_firm.premium", "metric_name": "Insurance Marketing Firm premium", "value": 685, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "33c1dc7c-c4b0-42e7-944e-f0a4bbdaa61f", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 89, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "38a1d9a4-76df-4e4a-9111-b20cc8368b0e", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 133485, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "3a34b5bd-27ea-4add-8a53-417b93a554d7", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 15910, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "410830dc-3874-4904-a90a-dbe6f268584f", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": -18.29, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "42729bcb-ff2f-4855-9c4c-9b56ff05bbca", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 1246, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "43e384a0-8b72-4b9e-b895-db1e72c18bc2", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 30, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "508fd243-1cd2-4f73-b9d8-cfc44a90245c", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 5.41, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.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": "5230ca14-c46d-43ac-ac03-2db47e1c28ba", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 43.84, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "5590ff27-b87d-47cc-96dc-6b02cf702d81", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 866, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "5652a0d2-a1ab-4a78-aaa0-297e7ac3d10b", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 18487, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "597c2669-f7fa-411f-b04c-9eba3c6784e6", "metric_id": "financial.gross_direct_premium.segment.credit_insurance", "metric_name": "credit insurance segment premium", "value": 8, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "59c1fe13-2487-4db4-8117-b9424e2d0eb2", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 93.67, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 6", "source_page": null } }, { "id": "5db39394-4519-419a-98a3-0f300d1e00b7", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 21.08, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.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": "693421d5-f8c5-4ec7-b184-3032c22e1b43", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": -22.56, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "6ea8ccef-25c1-47a5-9c6c-369bc8148bb5", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 63.48, "unit": "crore", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "774db353-3148-4f04-97ce-6aac460eab64", "metric_id": "distribution.general.channel.common_service_centres.policies", "metric_name": "Common Service Centres (CSC) policies", "value": 15169, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "79a3411c-77f5-4be1-b5da-cdfde9ed78cd", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 2110, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "7e9b9d83-8a9c-4686-8a76-efd36bcbe930", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 8.06, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.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": "7f68ccff-9d21-471e-a5e3-ea93da828758", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 14031, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "7fc11ebf-438b-435e-a2c9-e81062b41c4d", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 66.39, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "7ff739c3-7159-45e3-9362-7f700c8f45bc", "metric_id": "financial.investment_mix.segment.other_approved_securities", "metric_name": "other approved securities", "value": 16066, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "813172a7-196b-487f-801d-80029e1f9b7e", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 123.74, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.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 8", "source_page": null } }, { "id": "8423fe2a-736a-427a-9aaa-ef63e3ec7cb5", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 6185, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "8556771c-4339-423e-8771-7597e1802a3b", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": 121.05, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 6", "source_page": null } }, { "id": "86ee6ead-bfd1-4c56-a316-b5a529d93a4e", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 74.27, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.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": "8752f182-4b85-45bc-a178-9453a61dcfed", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 122.99, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.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 8", "source_page": null } }, { "id": "88ca510b-9f2f-48ef-93e5-7ab340170d40", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 45.07, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.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 6", "source_page": null } }, { "id": "891a7dcb-25a2-4613-a310-a779e1bec104", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 58.15, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "892520e8-59a5-4eeb-9130-1f31f664e38a", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 121.49, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "8b1228db-65cc-4068-9258-f630d3e13ace", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 91.18, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "8cf43bd4-f889-4035-a6b0-9041dddd0b05", "metric_id": "distribution.general.channel.direct_business_others.policies", "metric_name": "Direct Business – Others policies", "value": 3081, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "8cfb2476-6a20-4e4e-bd8e-9cbbf1038b28", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 153.83, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "8e0d209d-bdad-4061-81f5-33a9d7c7b006", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 36, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "91c7bf93-fb40-41ba-afb6-96d36af958b5", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 12.76, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "a7a1c30d-58e3-4cd6-a15b-31c41efee760", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": -644.46, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8", "source_page": null } }, { "id": "a960edbb-bca5-4bb7-a83b-4cc8fe5a91e1", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 142608, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "aed83b02-5e80-495f-b841-e7eaa1515196", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 108.3, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "b00b8051-2042-4210-b5b9-d5f7a9b22fe1", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 1950, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "b01acbe5-f4c1-49d6-9c52-e2d746a24b4e", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 104151, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "b0a220f5-b4e8-4b96-bbac-5a15a14b25eb", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 7595, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "b0d579a3-2e8d-470b-b1de-7451d0ea2007", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -6, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "b40862f2-3ab7-41a7-94c4-450d44d62bab", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 65837, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "b587c025-f734-4433-967a-5532910838a3", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 272, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "b8db7515-42f2-453a-b74d-c40cfb1b780a", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 27.38, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "b907a034-f4e6-4167-81ed-2fae65721a55", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 26, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "b934f068-3e36-43ea-8270-c8e663251255", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 144020, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "be1463a2-f8fc-42c2-a52d-9f9df81b8266", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 54.14, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "be807e52-0bb9-4a59-9404-7247662395e2", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 837, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "c07a908d-c28c-4fa4-805e-d028235ace2c", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 45, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "c5421bc5-cb6d-48cc-83db-bc0751ded392", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 112.93, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "c5a40979-e4af-4bf6-9d7e-d52a912ebe84", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 1.27, "unit": "INR", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.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": "c6006156-4fd6-4d36-afb8-9be293fa9d49", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 330, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "c676ed1d-473d-4c63-84fd-59dff85febb3", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 49.24, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.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 8", "source_page": null } }, { "id": "c96c1085-bdf4-4b3f-80ab-934c068fe2e0", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 69.63, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "cb89d679-7fc1-4421-89b0-fc8f651d4bf6", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 127.31, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 8", "source_page": null } }, { "id": "cd0f087d-6158-451a-ab23-d2f00a2dab51", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.99, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.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": "d1b4829f-7087-4c85-80c2-e15d3622e9cc", "metric_id": "financial.incurred_claim_ratio.segment.other", "metric_name": "other incurred claims ratio", "value": 80.13, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, other row immediately after label, col 6", "source_page": null } }, { "id": "d20be9f6-db6a-43c3-9aba-50c0c9678cb9", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 35502, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "e14a7b66-1142-4f6e-b1c0-d79c99d0630b", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": 867, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "e2f0ff03-3bc9-4b42-b3f3-8b2176f0bac3", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 11.6, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.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": "e9b4c45d-ded0-47ac-a24b-eae9f65e12a6", "metric_id": "financial.combined_ratio.segment.aviation", "metric_name": "aviation combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 8", "source_page": null } }, { "id": "ea306c13-e065-4651-ae79-0076de6a1fbc", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 99.04, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.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": "f24f03f3-7d72-45b6-9fd6-da065b398f4d", "metric_id": "distribution.general.channel.common_service_centres.premium", "metric_name": "Common Service Centres (CSC) premium", "value": 641, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "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": "f681123e-ff58-49b3-90bc-a363aae5cc43", "metric_id": "financial.combined_ratio.segment.other", "metric_name": "other combined ratio", "value": 100.71, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, other row immediately after label, col 8", "source_page": null } }, { "id": "f702bc80-5985-4470-ae86-7ba09fd8e70e", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 9.8, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.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 6", "source_page": null } }, { "id": "fd1dbf6f-3c17-42ef-b995-dfe6aa447242", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 24.57, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.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": "fe7cf56e-37c8-40c1-98ca-ae95e2c92741", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 101.42, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.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 6", "source_page": null } }, { "id": "01729cb9-f49a-4a2a-a7b3-a21c7183686c", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 2299, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "01d9fc72-b1d2-4dcb-b2ed-a51f5faffc31", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 34420, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "05755efb-79ff-4468-8739-877f5e15a209", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 110517, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "06b31e35-4921-43ab-abad-53232e277238", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 48.57, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.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": "07b18aa8-9d6c-494a-aca2-56e3547bad5f", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 36, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "0811f759-379e-471e-9f28-40ef1c135cc5", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 198773, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "094c4867-09d1-44e1-b8fd-14ac0775fcc4", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 90.25, "unit": "crore", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "0ec55b63-11da-460d-81bd-7ae7e025f2ed", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 53, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "16be136f-8f12-46eb-8474-7389ff28ec4e", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 9.07, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.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": "1915ad9e-1ff9-4b63-8f98-8722f176c1bd", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 63.92, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "2812101b-61f7-48cf-9d24-56d9b45f58b9", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 143.12, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 8", "source_page": null } }, { "id": "282169f1-b6aa-4ce6-a6ef-f0bf74d3903a", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 475, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "2ab68680-f876-4128-b07c-44770f43de33", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 34423, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "2b355c1f-a61b-488f-a50a-9b2509941e67", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 108.15, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "2d3044bd-6b9f-4db7-87a1-33711514af70", "metric_id": "financial.gross_direct_premium.segment.credit_insurance", "metric_name": "credit insurance segment premium", "value": 50, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "2dd9061c-192f-48ed-bfc4-d3b616bddb1a", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 3.95, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "2de1fbd2-13a6-4e53-b957-bec0fde0745a", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 40605, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "2f186059-fb5b-41d0-baeb-1f07714732cf", "metric_id": "distribution.general.channel.common_service_centres.policies", "metric_name": "Common Service Centres (CSC) policies", "value": 12565, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "35b154f6-5c05-42c7-b951-4a835d5874d9", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 13.74, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.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": "36f1f5a3-6802-4de5-9977-f67d1e7af061", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 91.85, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "36f5bf28-1553-4103-a3a4-26da52b4bdba", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 21.51, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "3af5cf16-ee8f-4a87-a560-6d29fdbef75a", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 128.42, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.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 8", "source_page": null } }, { "id": "3c8e731c-ada9-47ed-a613-494a0be88991", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 5945, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "3cfc1ac4-1cbd-40ab-a250-fe77b9c0f67f", "metric_id": "distribution.general.channel.common_service_centres.premium", "metric_name": "Common Service Centres (CSC) premium", "value": 473, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "3df3db1c-8907-48fc-ad0f-6c1782a42d08", "metric_id": "distribution.general.channel.direct_business_others.policies", "metric_name": "Direct Business – Others policies", "value": 1363, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "3f6d9eda-5518-4104-8df6-0b0dae7bfafa", "metric_id": "financial.combined_ratio.segment.aviation", "metric_name": "aviation combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 8", "source_page": null } }, { "id": "41148a68-708c-4da7-849f-454f1c1fbf29", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 13650, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "41fd5c24-29d8-4dfe-a42f-030e7b697625", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 152112, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "47b1b258-e4a1-41e0-9b96-682acebb0730", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 78.03, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.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 8", "source_page": null } }, { "id": "48bcf8a3-ece0-4bdb-9aa6-0843ed8aac34", "metric_id": "distribution.general.channel.insurance_marketing_firm.premium", "metric_name": "Insurance Marketing Firm premium", "value": 789, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "48e0eac1-dd09-4037-bb94-0e9d71a4905b", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 840, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "4b6b0d92-0784-4bc1-84d3-95216395936e", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 11.91, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.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": "4c68fcb8-c317-4740-a803-99caec857034", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": -3.03, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.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": "4ef8c87e-57dd-48d7-9191-9a75aa1e0858", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 143.61, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "50dc7668-7464-4f42-b476-ca6f9407b15f", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 87, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "51dc7ac1-7462-4e1a-a118-189ef37b0ea8", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": -22.84, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "5351f2af-09d9-4cc0-a35d-c5df4710faca", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 67.37, "unit": "crore", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "53ad89e6-9f06-4a11-b5ad-bf2efeddfa4a", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 1313, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "55d44678-eaea-4779-9ead-e262462dfc4f", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 67.48, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "55f28854-cc26-4d7d-b7b4-e59ba59eec9a", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 19, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "584845a3-5071-4473-9c5f-7eeb6235c33b", "metric_id": "financial.investment_mix.segment.other_approved_securities", "metric_name": "other approved securities", "value": 18435, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "6105ec79-8642-44cd-b6cf-9ce2a331329e", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 23207, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "64e1177b-5cae-49d4-81ee-387e6b7693a3", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 30.08, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "6661b05a-b849-44f7-a25a-3a65ee89f182", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 138221, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "66dbfb63-f8f6-4469-927f-2419a94cbed7", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 7381, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "74ff6c6e-133e-4527-b513-0eee3867858e", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 70.18, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.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": "768f9f35-4390-489d-b1f8-224492bb335c", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 46824, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "80342f31-38b3-4b28-a3b3-f2b119c6f497", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 718, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "81064f41-b9ca-4d84-9e6e-01da35c8b2b7", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 461, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "860ac67a-275a-413d-8637-491ab7ba691f", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 28, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "89713fee-73f9-4fe1-ad9e-4d981980caf0", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 426, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "89f2e628-ac1d-45e4-b11f-79cf25727f8d", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 26, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "8ae3f144-b066-42b8-a281-8088bfdcec20", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 37082, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "8b86ebf6-d5ce-4129-b88d-fc00a4ee7198", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 16.49, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.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 8", "source_page": null } }, { "id": "8c2512e8-ef7a-4f4f-b9f8-52c3da675f29", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 9, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.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": "8d2d6954-9c0f-41dc-8e1d-4c6dc59d3ab5", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 130.2, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 8", "source_page": null } }, { "id": "8ddf2f4f-62e6-4f2f-8bba-d5dcfe981e08", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 93.24, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.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": "900c051f-2aac-41ea-92f6-470fcf5d63e5", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 17822, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "93ba78cd-e674-41ce-b880-c1d921bd6842", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 119.19, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "940f0963-f087-46d0-b0b5-e336b35f1bb5", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": -263.96, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8", "source_page": null } }, { "id": "996ccb4e-eb51-4dea-8c77-3b3e243c8577", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 44.7, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "a3e1b0f6-f96f-4762-9763-24013b8039fb", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 3588, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "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": "a7e23923-4ff4-46df-90fd-31f713de4304", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 47.4, "unit": "INR", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.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": "a84a95f5-e095-4ba1-bde3-243e4101d1ca", "metric_id": "financial.incurred_claim_ratio.segment.aviation", "metric_name": "aviation incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, aviation row immediately after label, col 6", "source_page": null } }, { "id": "ab55088e-a628-4076-9cf7-d00e0a988a3a", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 105.62, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "b5ebf87d-e57a-4471-bd73-60149cc22a87", "metric_id": "financial.investment_mix.segment.mutual_funds", "metric_name": "mutual funds", "value": 207, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "b9c23811-a652-4638-935c-04ca8956c36f", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 13.28, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.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 6", "source_page": null } }, { "id": "bb92e97d-29cf-42e4-9c66-ba6e97bf7eb2", "metric_id": "distribution.general.channel.direct_business_others.premium", "metric_name": "Direct Business – Others premium", "value": 33776, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "bd3aa2f4-1d21-4f68-9a17-a09080725a40", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 104.37, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.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 6", "source_page": null } }, { "id": "bd937294-fa3a-414f-8f4e-7fd2dcfef891", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 14.23, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.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 6", "source_page": null } }, { "id": "c102526a-01cb-4f01-a553-a05dc254c6e9", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 162.38, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "c283c5ca-60f6-4298-a6ec-4d3e11cf1568", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 120236, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "c9906f75-bc81-4b9f-be88-638965ebd156", "metric_id": "financial.combined_ratio.segment.other", "metric_name": "other combined ratio", "value": 104.46, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, other row immediately after label, col 8", "source_page": null } }, { "id": "ce4a242b-ca66-445c-b851-0ea0c92a9007", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 12837, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "d138dbf4-7f73-4d8d-a60b-07739edb04b6", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 14208, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "d547b2fd-a2ef-4ee9-b7c2-3752d503c015", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 661623, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "d567d20f-b1fa-434e-8c1c-5a7927ae08b0", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": 133.33, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 6", "source_page": null } }, { "id": "d63915b0-543a-426f-9a9c-5523bc66b32b", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 23.06, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.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": "e40771f4-6933-4bbc-82c3-16d7f36869a5", "metric_id": "financial.debt_equity_ratio", "metric_name": "debt to equity ratio", "value": 0.15, "unit": "ratio", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: debt_equity_ratio", "source_page": null } }, { "id": "e7ea7bff-e92a-4056-813f-391e4ff81a6e", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 89357, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "e97b9495-49a4-4425-83f7-c00f3ffc941d", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 2.1, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.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": "ea8c582e-82e7-4c3b-8219-6c7db6aac5e7", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": 713, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "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": "ebe39fc2-89ee-430b-b13c-a08db8d81bd9", "metric_id": "financial.incurred_claim_ratio.segment.other", "metric_name": "other incurred claims ratio", "value": 84.14, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, other row immediately after label, col 6", "source_page": null } }, { "id": "f9e1b60d-e1e6-4cc7-8bbe-e2d567194c83", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 42.38, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "fb0c349b-a4d3-4b53-b16f-696a2ce7d896", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -1, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "fe4d5487-d2b3-46a3-896b-fed20020520e", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 114.59, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, crop row immediately after label, col 6", "source_page": null } }, { "id": "ff995b62-4c57-40b2-94ac-a6e54fffb410", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 1.83, "unit": "INR", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.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": "048a4713-d3f9-4dc3-8b37-f45ac1434e41", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 122026, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "0716e222-b62f-4ee0-90ca-e522087a4d53", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 31327, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "09dcc554-ea99-46b6-aca3-ed567e741bcb", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 13177, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "0b011db0-2533-42ed-bca3-4c8be9ead786", "metric_id": "financial.claims_paid_to_provisioned_ratio", "metric_name": "claims paid to provisioned ratio", "value": 17.4, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "0c5e8646-4165-4159-b1c3-9225935d5a97", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 42628, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "0eb72851-4668-46c8-82da-6acbab09bb65", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -4, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "16590ea4-da94-4081-9602-8499423fc0fc", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 28.76, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "18d3f27a-32f3-4f4a-9cbf-b164c17e22c6", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": 461, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "190dd1a0-c4a0-43cc-93e1-24e66beb787a", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 39584, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "194dc27e-dd0b-4b1b-91a8-7c30fd6be295", "metric_id": "financial.combined_ratio.segment.marine_hull", "metric_name": "marine hull combined ratio", "value": -1091.67, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "1ae8cf8b-3875-466e-be3f-3e4b12bd5889", "metric_id": "distribution.general.channel.common_service_centres.policies", "metric_name": "Common Service Centres (CSC) policies", "value": 31573, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "1dacf49a-8d47-49a2-9514-95e14fd9cdc5", "metric_id": "financial.incurred_claim_ratio.segment.marine_hull", "metric_name": "marine hull incurred claims ratio", "value": 133.33, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "28dc801d-4e5b-4467-956f-0358ff91b4fa", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 4858, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "2ca36ee7-4415-41e0-abde-ebe26511aba9", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": 75.07, "unit": "crore", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "3bd27560-36ef-4b86-859b-bb91d06af5ce", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 11.55, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "3caaedd5-f98f-412a-9f2b-898add413a30", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 66, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "3cc443ed-6a8d-407b-ba1c-347fad0091f8", "metric_id": "financial.incurred_claim_ratio.segment.crop", "metric_name": "crop incurred claims ratio", "value": 2565.75, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "3e4affe4-68b8-4142-844f-be8a51194e68", "metric_id": "distribution.general.channel.common_service_centres.premium", "metric_name": "Common Service Centres (CSC) premium", "value": 275, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "3fbe384b-f5ef-4bab-86e8-939b90d20532", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 27427, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "410b56bd-81ad-41dc-a24e-88818dcf83d8", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 70.73, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "4259d803-fd3c-47a4-b739-2ad42713cd21", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 815, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "43b6c34d-6cf3-48eb-b503-dc17e11417c9", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 38.73, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "443e545a-c2e8-49c1-bb15-57a75aa844ea", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 469, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "4a5e8789-24f3-4fca-ba60-114c5e1bd521", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": 6.92, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "4a61c42f-358c-47da-944a-55d9bf43b1d5", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 26.85, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "4bac5a86-bcfc-4fde-a04e-09f36e09c425", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 53.33, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "514ae6dc-b58b-473d-8ae7-f8e6c1b100b7", "metric_id": "distribution.general.channel.direct_business_others.policies", "metric_name": "Direct Business – Others policies", "value": 1610, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "51d7aec3-3bd6-4282-8955-23fcaf18bfd2", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 23.62, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "52a328f5-037b-4a75-96cb-b16cd7cd9524", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 238, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "5478d4fb-05a8-4248-a450-0c7574bf08ec", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 1043, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "5641ba1e-4852-420c-b822-44b9929f54ae", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 24.9, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "58ec51a2-ba68-4608-a175-fadc0783bbaa", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 70816, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "5ad66862-784f-4993-aafc-f4649a2059a7", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 197.67, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "5dde0ea9-77b7-4458-9e52-88ed7b9ab7a9", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 67.33, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "5ff6fe12-52c8-446a-a608-ca68056a4b44", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": 56.13, "unit": "crore", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "69cda73a-6140-42a5-b430-046dad92860d", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 20.66, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "69fc8b21-713e-45e5-b3d8-c76bd8296fb2", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 31673, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "6e9b611e-fb1f-49dd-a36b-a8a331878dd3", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 63.51, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "6f4cd154-0aae-489b-8d06-29dac75de0aa", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 11.02, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "707074ae-efa7-4fe6-8341-c5b6a925ec93", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 34.96, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "785b2eda-388d-4247-a047-deeb64e5124c", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 98.22, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "7a9421b4-f0b5-4191-811d-a79c35f05c3b", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 398, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "7c21d9a4-f3c7-468d-bd92-e55ef4d19e44", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 70.39, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "7f23fb73-5319-4bce-ae14-a7707105775c", "metric_id": "financial.combined_ratio.segment.crop", "metric_name": "crop combined ratio", "value": 1503.25, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "81b484c0-b563-4877-a878-64cb17185c73", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 7857, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "821f68c0-4637-4b89-882b-fabd05da38d3", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 148272, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "823ba371-b0ca-443a-8964-9f1165574cbe", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 1.97, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "84ceb749-4ef9-4516-9e93-aafb01627b6a", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 10598, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "855f5497-f468-4f7d-9c72-eecf962ab22c", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 75, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "8aaec2f7-41fd-4a83-83dc-a963c003e374", "metric_id": "financial.incurred_claim_ratio.segment.aviation", "metric_name": "aviation incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "8f69ed18-883f-4065-a2c9-f25731d61c08", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 15403, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "8fbde02f-c182-468f-ac9e-95df597c5da8", "metric_id": "distribution.general.channel.direct_business_others.premium", "metric_name": "Direct Business – Others premium", "value": 33164, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "90f4f59d-8636-49d1-8d65-17a667722b0a", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 178926, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "96b16828-911c-4750-aecc-f2d3d01649da", "metric_id": "financial.investment_mix.segment.other_approved_securities", "metric_name": "other approved securities", "value": 21893, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "97446f80-32ce-4df0-8e3a-2ff60d025c85", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 44.71, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "9f84d641-5791-4e15-af62-437ba97a19ef", "metric_id": "financial.investment_yield.gross.quarterly", "metric_name": "gross yield (quarterly)", "value": 7.81, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "9fe80fc8-7646-4e0c-b10b-dcc614aa3637", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 194.24, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "a8702731-f60e-4bfa-b884-24c9b5857c21", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 6403, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "a9eb6917-7006-442c-bb3a-8e67eac68259", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 116319, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "aa8d413e-a888-472e-88c7-9c6db3f1f5f7", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 16.68, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "ae8ef97f-0149-4462-a4b3-0e7a0834a5d1", "metric_id": "financial.gross_direct_premium.segment.credit_insurance", "metric_name": "credit insurance segment premium", "value": 621, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "b05c52bf-5cd4-4148-b3a9-8781df40e9eb", "metric_id": "financial.investment_yield.net.quarterly", "metric_name": "net yield (quarterly)", "value": 5.84, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "b8c86702-a3f6-4ed2-8d33-bd0a83282045", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 9470, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "bd6a48e8-3b9e-40a1-b271-92d2b4bde4af", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 8.88, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "bf7c3922-5afb-47b1-a51c-508d4db778fd", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 33.84, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "c01ab7d4-1d80-48ce-a00e-1062d7a67d28", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 139.59, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "cc134904-d0c6-4183-ae2f-910988ccd6b5", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 171.94, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "cdcad9a0-ebb7-4e86-adde-a356e28294de", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 14.25, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "d2922c9b-6d15-4576-94c7-71c3a11a1a3a", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 989, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "e307cfcc-58bd-405f-a5ff-cf9efe2113e6", "metric_id": "financial.investment_mix.segment.mutual_funds", "metric_name": "mutual funds", "value": 589, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "e53ee369-8660-40e5-bcab-0e68ea6df487", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 78, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "e5cd8ca3-6db8-4b74-a749-20823d98a9d3", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 488891, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "e6e5846b-31a6-4f5a-b7ce-90c3cc37a9a5", "metric_id": "distribution.general.channel.insurance_marketing_firm.premium", "metric_name": "Insurance Marketing Firm premium", "value": 462, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "e6f01298-90a8-4c31-ba26-cb964ff65fa2", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 16111, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "eb15c3b8-0c9c-4538-b5e4-0197f7faf804", "metric_id": "financial.combined_ratio.segment.aviation", "metric_name": "aviation combined ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "ecd7095c-f5ec-4031-a15b-1ab3e4afbe5c", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 95.21, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "ecde888f-08b3-4d5f-b61d-7d2196f671d1", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 136.09, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "f13308e2-b24f-47ea-b263-71e3aa5054a8", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 111.11, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "f443ff11-70b8-4ba0-b749-ba19c9cab192", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 118.51, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "f55d0ebf-88ea-4743-9b2b-0ffa0e6ade60", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 1480, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "f63c0bc3-8122-4d29-862c-a4e3d43f712d", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 102677, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "fd741205-359f-4672-94aa-7618bf879042", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 23, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "ff69d9a0-3239-45fe-a0da-6cf576daa194", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 30.89, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "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": "39b447d4-b387-48e3-80db-fc056a2ed967", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 77.15, "unit": "%", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-10", "reporting_period": "FY24-25", "source_document": "IRDAI Annual Report 2024-25", "source_url": null, "extracted_by": null, "last_verified": "2026-09-10", "extraction_note": null, "source_page": 374 } }, { "id": "491f39af-0cb0-4e89-8420-b1ce6c832784", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.97, "unit": "x", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Table-49", "reporting_period": "Q4 FY24-25", "source_document": "IRDAI Handbook Table 49", "source_url": null, "extracted_by": "push_irdai_solvency.py v1", "last_verified": "2026-09-19", "extraction_note": "Statement 12 — IRDAI Annual Report 2024-25 (hardcoded from Table)", "source_page": null } }, { "id": "59f9108a-8720-4366-8034-fcb148f2ed8d", "metric_id": "claims.repudiation_ratio.nonlife.count", "metric_name": "claims repudiation ratio", "value": 1.7606, "unit": "%", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-53", "reporting_period": "FY24-25", "source_document": "IRDAI Handbook Table 53", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "80a67d75-587e-42b7-bad0-6b935a629d21", "metric_id": "claims.settlement_ratio.nonlife.count", "metric_name": "claim settlement ratio", "value": 91.3232, "unit": "%", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-53", "reporting_period": "FY24-25", "source_document": "IRDAI Handbook Table 53", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "e3f27460-cb44-42e2-8fbd-e836538bc9ab", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 5078.45, "unit": "crore", "reporting_period_label": "FY25-03", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-2-40", "reporting_period": "FY25-03", "source_document": "IRDAI Handbook Table 40", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "8e964d6f-1775-439e-aba1-38a9b53e092a", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.98, "unit": "x", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-12", "reporting_period": "Q3 FY24-25", "source_document": "IRDAI Annual Report 2024-25", "source_url": null, "extracted_by": "push_irdai_solvency.py v1", "last_verified": "2026-09-10", "extraction_note": "Statement 12 — IRDAI Annual Report 2024-25 (hardcoded from Table)", "source_page": 376 } }, { "id": "4ed5d7ca-1fb0-4cfc-83a7-9d7ad8cde028", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.96, "unit": "x", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-12", "reporting_period": "Q2 FY24-25", "source_document": "IRDAI Annual Report 2024-25", "source_url": null, "extracted_by": "push_irdai_solvency.py v1", "last_verified": "2026-09-10", "extraction_note": "Statement 12 — IRDAI Annual Report 2024-25 (hardcoded from Table)", "source_page": 376 } }, { "id": "ebf0c09b-61d2-451a-9499-d090c85edfbb", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.73, "unit": "x", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-12", "reporting_period": "Q1 FY24-25", "source_document": "IRDAI Annual Report 2024-25", "source_url": null, "extracted_by": "push_irdai_solvency.py v1", "last_verified": "2026-09-10", "extraction_note": "Statement 12 — IRDAI Annual Report 2024-25 (hardcoded from Table)", "source_page": 376 } }, { "id": "2fc9c975-ad5d-48bd-b7bb-88ba6a529b42", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 81.74, "unit": "%", "reporting_period_label": "FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-10", "reporting_period": "FY23-24", "source_document": "IRDAI Annual Report 2024-25", "source_url": null, "extracted_by": null, "last_verified": "2026-09-10", "extraction_note": null, "source_page": 374 } }, { "id": "4e786988-2b47-4e3f-9dc2-c31afbbd22e1", "metric_id": "claims.repudiation_ratio.nonlife.count", "metric_name": "claims repudiation ratio", "value": 0.7358, "unit": "%", "reporting_period_label": "FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-53", "reporting_period": "FY23-24", "source_document": "IRDAI Handbook Table 53", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "be4a5fab-e9bc-486c-9778-56e1c1d4415b", "metric_id": "claims.settlement_ratio.nonlife.count", "metric_name": "claim settlement ratio", "value": 91.5472, "unit": "%", "reporting_period_label": "FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-53", "reporting_period": "FY23-24", "source_document": "IRDAI Handbook Table 53", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "e18c159d-f651-4e84-83b2-7fb939977534", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.8, "unit": "x", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Table-49", "reporting_period": "Q4 FY23-24", "source_document": "IRDAI Handbook Table 49", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "f69af857-0d75-45c9-8e0b-5ad1f2323e86", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 4622.19, "unit": "crore", "reporting_period_label": "FY24-03", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-2-40", "reporting_period": "FY24-03", "source_document": "IRDAI Handbook Table 40", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "5ca48829-ec4e-46b9-b2c7-9d27ed4bf7a0", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.73, "unit": "x", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-12", "reporting_period": "Q3 FY23-24", "source_document": "IRDAI Annual Report 2023-24", "source_url": null, "extracted_by": null, "last_verified": "2026-09-10", "extraction_note": null, "source_page": 357 } }, { "id": "4a1c3d5d-5557-4bf8-a6c4-0e88a5a4b72d", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.73, "unit": "x", "reporting_period_label": "Q2 FY23-24", "reporting_period_end": "2023-09-30", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-12", "reporting_period": "Q2 FY23-24", "source_document": "IRDAI Annual Report 2023-24", "source_url": null, "extracted_by": null, "last_verified": "2026-09-10", "extraction_note": null, "source_page": 357 } }, { "id": "ea92cd70-02b7-4f09-929f-1128822ea980", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.72, "unit": "x", "reporting_period_label": "Q1 FY23-24", "reporting_period_end": "2023-06-30", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-12", "reporting_period": "Q1 FY23-24", "source_document": "IRDAI Annual Report 2023-24", "source_url": null, "extracted_by": null, "last_verified": "2026-09-10", "extraction_note": null, "source_page": 357 } }, { "id": "2cb28bcb-7b51-4452-9cb0-e8012a298a3b", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.74, "unit": "x", "reporting_period_label": "Q4 FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Table-49", "reporting_period": "Q4 FY22-23", "source_document": "IRDAI Handbook Table 49", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "a186ef7a-1c68-476a-aee5-ab0b264f135e", "metric_id": "claims.settlement_ratio.nonlife.count", "metric_name": "claim settlement ratio", "value": 91.8812, "unit": "%", "reporting_period_label": "FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-53", "reporting_period": "FY22-23", "source_document": "IRDAI Handbook Table 53", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "b061775e-3f54-41d2-93c9-667bcaeef9c9", "metric_id": "claims.repudiation_ratio.nonlife.count", "metric_name": "claims repudiation ratio", "value": 0.8192, "unit": "%", "reporting_period_label": "FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-53", "reporting_period": "FY22-23", "source_document": "IRDAI Handbook Table 53", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "bc2978c6-195d-4e40-9cb6-1811c9902884", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 78.18, "unit": "%", "reporting_period_label": "FY22-23", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-10", "reporting_period": "FY22-23", "source_document": "IRDAI Annual Report 2023-24", "source_url": null, "extracted_by": null, "last_verified": "2026-09-10", "extraction_note": null, "source_page": 355 } }, { "id": "c2da41ff-f77b-4481-8dd2-000f39388dfc", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 4103.09, "unit": "crore", "reporting_period_label": "FY23-03", "reporting_period_end": "2023-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-2-40", "reporting_period": "FY23-03", "source_document": "IRDAI Handbook Table 40", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "435b3b06-1f66-46fb-b95a-b45a89c78fdf", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.71, "unit": "x", "reporting_period_label": "Q3 FY22-23", "reporting_period_end": "2022-12-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-12", "reporting_period": "Q3 FY22-23", "source_document": "IRDAI Annual Report 2022-23", "source_url": null, "extracted_by": null, "last_verified": "2026-09-10", "extraction_note": null, "source_page": 328 } }, { "id": "11ad40e7-72d7-4ec7-a8e4-da7edad9acbb", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.7, "unit": "x", "reporting_period_label": "Q2 FY22-23", "reporting_period_end": "2022-09-30", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-12", "reporting_period": "Q2 FY22-23", "source_document": "IRDAI Annual Report 2022-23", "source_url": null, "extracted_by": null, "last_verified": "2026-09-10", "extraction_note": null, "source_page": 328 } }, { "id": "174502c2-6dec-417c-9890-d7f69f0931ed", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.78, "unit": "x", "reporting_period_label": "Q1 FY22-23", "reporting_period_end": "2022-06-30", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-12", "reporting_period": "Q1 FY22-23", "source_document": "IRDAI Annual Report 2022-23", "source_url": null, "extracted_by": null, "last_verified": "2026-09-10", "extraction_note": null, "source_page": 328 } }, { "id": "0b50cb6d-233b-4d3e-b686-690c9b9cfd92", "metric_id": "claims.repudiation_ratio.nonlife.count", "metric_name": "claims repudiation ratio", "value": 3.7815, "unit": "%", "reporting_period_label": "FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-53", "reporting_period": "FY21-22", "source_document": "IRDAI Handbook Table 53", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "0c12885c-1e01-4d7a-82c4-3f2178711e6e", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 3456.12, "unit": "crore", "reporting_period_label": "FY22-03", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-2-40", "reporting_period": "FY22-03", "source_document": "IRDAI Handbook Table 40", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "1bc48c46-bae9-413d-b34e-08c78c0e499c", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 77.77, "unit": "%", "reporting_period_label": "FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-10", "reporting_period": "FY21-22", "source_document": "IRDAI Annual Report 2022-23", "source_url": null, "extracted_by": null, "last_verified": "2026-09-10", "extraction_note": null, "source_page": 325 } }, { "id": "8353390a-9388-41fa-8709-b415365454d5", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.92, "unit": "x", "reporting_period_label": "Q4 FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Table-49", "reporting_period": "Q4 FY21-22", "source_document": "IRDAI Handbook Table 49", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "b21a2126-a542-4fe8-9120-f13ed3d44e3a", "metric_id": "claims.settlement_ratio.nonlife.count", "metric_name": "claim settlement ratio", "value": 81.634, "unit": "%", "reporting_period_label": "FY21-22", "reporting_period_end": "2022-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-53", "reporting_period": "FY21-22", "source_document": "IRDAI Handbook Table 53", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "463f1d49-97dc-47e3-a535-46d0ffe641f6", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.09, "unit": "x", "reporting_period_label": "Q3 FY21-22", "reporting_period_end": "2021-12-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-16", "reporting_period": "Q3 FY21-22", "source_document": "IRDAI Annual Report 2021-22", "source_url": null, "extracted_by": null, "last_verified": "2026-09-10", "extraction_note": null, "source_page": 145 } }, { "id": "b2b6f53d-ee6a-4430-b65d-1cc688e60327", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.06, "unit": "x", "reporting_period_label": "Q2 FY21-22", "reporting_period_end": "2021-09-30", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-16", "reporting_period": "Q2 FY21-22", "source_document": "IRDAI Annual Report 2021-22", "source_url": null, "extracted_by": null, "last_verified": "2026-09-10", "extraction_note": null, "source_page": 145 } }, { "id": "2c20a30d-3f1c-45e1-81a5-9e9585fcecc7", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.07, "unit": "x", "reporting_period_label": "Q1 FY21-22", "reporting_period_end": "2021-06-30", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-16", "reporting_period": "Q1 FY21-22", "source_document": "IRDAI Annual Report 2021-22", "source_url": null, "extracted_by": null, "last_verified": "2026-09-10", "extraction_note": null, "source_page": 145 } }, { "id": "0fc6fe9e-2852-4dd7-aee3-3c254d8f3380", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.9, "unit": "x", "reporting_period_label": "Q4 FY20-21", "reporting_period_end": "2021-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Table-49", "reporting_period": "Q4 FY20-21", "source_document": "IRDAI Handbook Table 49", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "74e7736e-0349-4a7d-9d04-6a5d4f870daf", "metric_id": "claims.settlement_ratio.nonlife.count", "metric_name": "claim settlement ratio", "value": 79.4733, "unit": "%", "reporting_period_label": "FY20-21", "reporting_period_end": "2021-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-53", "reporting_period": "FY20-21", "source_document": "IRDAI Handbook Table 53", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "9bc365ab-0d7d-44d2-b69b-734f929ccc9c", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 90.44, "unit": "%", "reporting_period_label": "FY20-21", "reporting_period_end": "2021-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-13", "reporting_period": "FY20-21", "source_document": "IRDAI Annual Report 2020-21", "source_url": null, "extracted_by": null, "last_verified": "2026-09-10", "extraction_note": null, "source_page": 170 } }, { "id": "a2bf9faa-fbb1-4923-879f-f04fc5be3f2e", "metric_id": "claims.repudiation_ratio.nonlife.count", "metric_name": "claims repudiation ratio", "value": 4.1513, "unit": "%", "reporting_period_label": "FY20-21", "reporting_period_end": "2021-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-53", "reporting_period": "FY20-21", "source_document": "IRDAI Handbook Table 53", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "aeac660f-5df1-4b30-a9f7-046dfa53583b", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 3052.16, "unit": "crore", "reporting_period_label": "FY21-03", "reporting_period_end": "2021-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-2-40", "reporting_period": "FY21-03", "source_document": "IRDAI Handbook Table 40", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "48190118-4fdf-4563-a002-e9519f0ec604", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.55, "unit": "x", "reporting_period_label": "Q3 FY20-21", "reporting_period_end": "2020-12-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-17", "reporting_period": "Q3 FY20-21", "source_document": "IRDAI Annual Report 2020-21", "source_url": null, "extracted_by": null, "last_verified": "2026-09-10", "extraction_note": null, "source_page": 176 } }, { "id": "6e377e3b-4e63-4b54-bca6-9ac90c025417", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.14, "unit": "x", "reporting_period_label": "Q2 FY20-21", "reporting_period_end": "2020-09-30", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-17", "reporting_period": "Q2 FY20-21", "source_document": "IRDAI Annual Report 2020-21", "source_url": null, "extracted_by": null, "last_verified": "2026-09-10", "extraction_note": null, "source_page": 176 } }, { "id": "b74da9d1-64e7-4294-8cb9-1239526a1fec", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.21, "unit": "x", "reporting_period_label": "Q1 FY20-21", "reporting_period_end": "2020-06-30", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-17", "reporting_period": "Q1 FY20-21", "source_document": "IRDAI Annual Report 2020-21", "source_url": null, "extracted_by": null, "last_verified": "2026-09-10", "extraction_note": null, "source_page": 176 } }, { "id": "0baf7600-44d0-4620-af26-6fa8409474e3", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.28, "unit": "x", "reporting_period_label": "Q4 FY19-20", "reporting_period_end": "2020-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Table-49", "reporting_period": "Q4 FY19-20", "source_document": "IRDAI Handbook Table 49", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "0f1d1512-d976-49cd-bbdc-401a22b2e6eb", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 2859.05, "unit": "crore", "reporting_period_label": "FY20-03", "reporting_period_end": "2020-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-2-40", "reporting_period": "FY20-03", "source_document": "IRDAI Handbook Table 40", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "77c9fec8-1de7-4a47-8588-ff80b4ccc54a", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 73.41, "unit": "%", "reporting_period_label": "FY19-20", "reporting_period_end": "2020-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Statement-13", "reporting_period": "FY19-20", "source_document": "IRDAI Annual Report 2020-21", "source_url": null, "extracted_by": null, "last_verified": "2026-09-10", "extraction_note": null, "source_page": 170 } } ], "meta": { "generated_at": "2026-11-15", "source": "IRDAI public disclosures", "api_version": "v1", "licence": "Facts derived from IRDAI public disclosure data. IRDAI public disclosures are published under IRDAI regulations; republication with attribution is permitted subject to applicable Indian law." } }