{ "insurer": { "id": "zuno-general", "slug": "zuno-general", "name": "Zuno General Insurance", "seo_name": "Zuno General Insurance", "type": "general", "irdai_registration_number": "149", "registration_status": "active", "headquarters": "", "website": "https://www.hizuno.com", "disclosure_url": "https://www.hizuno.com/public-disclosure" }, "facts": [ { "id": "034929ef-2785-4209-9c0a-7d70aba17f48", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": -3, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "NL_20_Analytical_Ratios_Q1_FY_2026_27_c594869193.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "0564c2bc-6123-47f9-a12e-a6a4e3bd51ce", "metric_id": "financial.technical_reserves_to_premium_ratio", "metric_name": "technical reserves to premium ratio", "value": 6.26, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "08ad3c49-3cb5-4476-9ebc-ca887c92637f", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 903, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "NL_20_Analytical_Ratios_Q1_FY_2026_27_c594869193.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "08f1c1fd-60bd-4bf0-8bbb-1f861a77de65", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 3306, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_36_Business_Channels_Q1_FY_2026_27_1ecde41f05.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=39,668 vs Grand Total=39667.0)", "source_page": 1 } }, { "id": "0a9cde28-befb-48fa-b441-527815d6e52a", "metric_id": "financial.investment_mix.segment.mutual_funds", "metric_name": "mutual funds", "value": 7230, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "0bf007bd-7179-4159-9337-6dec1b1a0f5d", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 26, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_36_Business_Channels_Q1_FY_2026_27_1ecde41f05.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=240,454 vs Grand Total=240454.0)", "source_page": 1 } }, { "id": "11473cb6-24c9-44c9-bc1f-4977f03a2101", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 2430, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2026_27_7d55b72508.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=40,173 vs Grand Total=40171.0)", "source_page": 1 } }, { "id": "12a0cef6-af10-4c4e-a637-0e63e5e85585", "metric_id": "financial.net_npa_ratio", "metric_name": "net NPA ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "NL_20_Analytical_Ratios_Q1_FY_2026_27_c594869193.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 row-format label match: net_npa_ratio", "source_page": null } }, { "id": "12bf2955-e148-43a9-b3ca-b52b20fcfad9", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.64, "unit": "x", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "ZUNO General Insurance Limited (formerly known as Edelweiss General", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY26-27", "source_document": "2026-06-30_NL-26.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-11", "extraction_note": "NL-26 solvency text regex", "source_page": null } }, { "id": "1590dc78-8caf-411a-a7d0-659e0faa8798", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 115, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "2026-06-30_NL-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-11", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "1907cc50-65a3-4885-8729-f5c6dbcd2aca", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 20794, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "1b2e49bf-54c7-4506-8fa4-cb8d1e13f074", "metric_id": "financial.investment_yield.net.quarterly", "metric_name": "net yield (quarterly)", "value": 2.05, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_31_Investment_and_Investment_Income_Q1_FY_2026_27_1e8ac2e2e2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-31 TOTAL row, quarterly net yield, col 6", "source_page": 1 } }, { "id": "1db1f5d6-ab7d-4cee-93f3-166e290e6dce", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 416, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_36_Business_Channels_Q1_FY_2026_27_1ecde41f05.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=240,454 vs Grand Total=240454.0)", "source_page": 1 } }, { "id": "1f15d1cc-34dc-424c-bcb1-c197d0697ad3", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 401.72, "unit": "crore", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-35-QUARTERLY-BUSINESS-RETURNS", "reporting_period": "Q1 FY26-27", "source_document": "2026-06-30_NL-35.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-11", "extraction_note": "NL-35 Grand Total YTD premium", "source_page": null } }, { "id": "226d0e2d-cb43-4d1a-b9e3-b0c845bc3235", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2026_27_7d55b72508.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=40,173 vs Grand Total=40171.0)", "source_page": 1 } }, { "id": "22d689f9-7089-4537-8e7d-3724ea315310", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 13, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "23371cfb-d21c-43d8-8c9c-22ab7bd66164", "metric_id": "financial.investment_mix.segment.real_estate_subsidiaries", "metric_name": "real estate & subsidiaries", "value": 4636, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "250c5806-1da5-4906-9d2c-7bfb08cc10d8", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 31, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "2026-06-30_NL-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-11", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "25147f35-5335-4cef-aa54-aa32d981bac3", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 57, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "2026-06-30_NL-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-11", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "294e009d-153b-4920-9623-4fae4ba75a77", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 133, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "NL_20_Analytical_Ratios_Q1_FY_2026_27_c594869193.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 7", "source_page": null } }, { "id": "2c05bea5-9456-4814-9c65-2f6edf5b054c", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 1065, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_36_Business_Channels_Q1_FY_2026_27_1ecde41f05.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=39,668 vs Grand Total=39667.0)", "source_page": 1 } }, { "id": "305801d3-5577-4526-84a9-c02aa870ff73", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 12044, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2026_27_7d55b72508.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=40,173 vs Grand Total=40171.0)", "source_page": 1 } }, { "id": "30d4e6cf-2cec-4284-ace5-2965c4cbeac8", "metric_id": "distribution.general.channel.micro_agents.premium", "metric_name": "Micro Agents premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_36_Business_Channels_Q1_FY_2026_27_1ecde41f05.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=39,668 vs Grand Total=39667.0)", "source_page": 1 } }, { "id": "3942361d-4a6b-4bfc-9328-164648964a07", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 199, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "NL_20_Analytical_Ratios_Q1_FY_2026_27_c594869193.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "39a00874-2bf3-4a81-b4f1-0134e7e73c24", "metric_id": "distribution.general.channel.other.policies", "metric_name": "Other policies", "value": 0, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_36_Business_Channels_Q1_FY_2026_27_1ecde41f05.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=240,454 vs Grand Total=240454.0)", "source_page": 1 } }, { "id": "3aac6437-8a93-4a52-bdbe-3b4650f06aae", "metric_id": "financial.investment_npa.gross_pct", "metric_name": "gross npa ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_30_Non_Performing_Assets_Q1_FY_2026_27_6d739bdd0f.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 3, TOTAL column 10", "source_page": 1 } }, { "id": "3ad1320e-1154-4c57-ae4b-660396f1e800", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 104, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2026_27_7d55b72508.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=40,173 vs Grand Total=40171.0)", "source_page": 1 } }, { "id": "3e516433-f16f-43cc-8cb0-6c5f136726d3", "metric_id": "distribution.general.channel.referral_arrangements.premium", "metric_name": "Referral Arrangements premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_36_Business_Channels_Q1_FY_2026_27_1ecde41f05.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=39,668 vs Grand Total=39667.0)", "source_page": 1 } }, { "id": "415da997-fda8-4572-9dbe-119bd2fb3cc0", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": -46, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "NL_20_Analytical_Ratios_Q1_FY_2026_27_c594869193.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "41e8cc1f-360c-498a-b67a-c6bae4f2657d", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": -2, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "NL_20_Analytical_Ratios_Q1_FY_2026_27_c594869193.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "42c622a5-ed9b-4d1d-a5a8-292fba826fd6", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 80, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": 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}, { "id": "4db5e368-a0dc-4b26-9031-9385c3c26920", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 4637, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_36_Business_Channels_Q1_FY_2026_27_1ecde41f05.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=240,454 vs Grand Total=240454.0)", "source_page": 1 } }, { "id": "4fe61678-e972-4ddb-ad4b-8eb0b69c440d", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": 2, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_36_Business_Channels_Q1_FY_2026_27_1ecde41f05.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=39,668 vs Grand Total=39667.0)", "source_page": 1 } }, { "id": "55131892-9536-41cd-be05-6ac574c7858e", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 23, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "58dd9981-c9f1-4c15-9443-1474e7eda1e2", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -0.22, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "NL_20_Analytical_Ratios_Q1_FY_2026_27_c594869193.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "628ceab2-b7e9-491b-9aad-0d0331bb6324", "metric_id": "distribution.general.channel.misp_direct.premium", "metric_name": "MISP (Direct) premium", "value": 431, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_36_Business_Channels_Q1_FY_2026_27_1ecde41f05.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=39,668 vs Grand Total=39667.0)", "source_page": 1 } }, { "id": "65e1008c-eb52-4ad4-bd25-80a7a9ea8a56", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 4406, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "6785c473-c199-46ea-bd3c-432d6d5934e3", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": 55, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "NL_20_Analytical_Ratios_Q1_FY_2026_27_c594869193.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "67faad28-f6dc-482d-b64f-3e90d813f09c", "metric_id": "financial.investment_npa.gross_amount", "metric_name": "gross npa (amount)", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_30_Non_Performing_Assets_Q1_FY_2026_27_6d739bdd0f.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 2, TOTAL column 10", "source_page": 1 } }, { "id": "6af4dfc6-4e90-44e2-bccf-24a7b7c20c64", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 221205, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_36_Business_Channels_Q1_FY_2026_27_1ecde41f05.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=240,454 vs Grand Total=240454.0)", "source_page": 1 } }, { "id": "6ba50514-d66e-4a2e-a020-d5ecd52fa8a3", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 99, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "NL_20_Analytical_Ratios_Q1_FY_2026_27_c594869193.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "7028ad5d-945f-42bb-8b94-ed600abefa20", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 124, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "NL_20_Analytical_Ratios_Q1_FY_2026_27_c594869193.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 7", "source_page": null } }, { "id": "72cd30ac-c4c5-41c2-b83a-91dc6865dcaf", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 62, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "73de41e4-f9ca-420d-8d98-4c268d4a6d1d", "metric_id": "distribution.general.channel.common_service_centres.premium", "metric_name": "Common Service Centres (CSC) premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_36_Business_Channels_Q1_FY_2026_27_1ecde41f05.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=39,668 vs Grand Total=39667.0)", "source_page": 1 } }, { "id": "74760f25-ae1c-4948-81a5-7d39f7091915", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": -2, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_36_Business_Channels_Q1_FY_2026_27_1ecde41f05.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=39,668 vs Grand Total=39667.0)", "source_page": 1 } }, { "id": "79ca912e-025c-4deb-ab0a-18c93249a91c", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 10, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "7b0b0f9f-29ac-43e6-9dd2-dc3c88ef0bc7", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 98, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md. | 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": "818828bb-97c4-45be-9d59-3125c06a060b", "metric_id": "distribution.general.channel.misp_direct.policies", "metric_name": "MISP (Direct) policies", "value": 1970, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_36_Business_Channels_Q1_FY_2026_27_1ecde41f05.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=240,454 vs Grand Total=240454.0)", "source_page": 1 } }, { "id": "84dc6ffd-0285-45cf-9c14-7cecab5eda6e", "metric_id": "distribution.general.channel.other.premium", "metric_name": "Other premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_36_Business_Channels_Q1_FY_2026_27_1ecde41f05.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=39,668 vs Grand Total=39667.0)", "source_page": 1 } }, { "id": "8894e5a3-43a8-4cc4-a578-871d51764614", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": -308, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "NL_20_Analytical_Ratios_Q1_FY_2026_27_c594869193.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 7", "source_page": null } }, { "id": "88e6e08d-fff8-47ea-bfaa-4464ca159be8", "metric_id": "financial.gross_direct_premium.segment.aviation", "metric_name": "aviation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2026_27_7d55b72508.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=40,173 vs Grand Total=40171.0)", "source_page": 1 } }, { "id": "894da05b-7739-4766-a725-7308ffb291e1", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 93, "unit": 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Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "97947047-d38e-4c47-b1cb-14d2c827926c", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 3, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_36_Business_Channels_Q1_FY_2026_27_1ecde41f05.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=240,454 vs Grand Total=240454.0)", "source_page": 1 } }, { "id": "98530197-d7c0-4805-8118-13936af20e72", "metric_id": "distribution.general.channel.micro_agents.policies", "metric_name": "Micro Agents policies", "value": 0, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_36_Business_Channels_Q1_FY_2026_27_1ecde41f05.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel policies, for the quarter (sum=240,454 vs Grand Total=240454.0)", "source_page": 1 } }, { "id": "990cdf4c-594e-4ffd-a098-a4ac200080d8", "metric_id": "financial.investment_npa.provision_pct", "metric_name": "npa provision coverage", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q1 FY26-27", "source_document": 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"id": "b1d20db1-9cbc-4516-8f30-908116d52193", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 31, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "b27855ea-dcfa-40ac-bbbe-f5dfbefab00c", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2026_27_7d55b72508.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=40,173 vs Grand Total=40171.0)", "source_page": 1 } }, { "id": "b56fd282-78fe-40da-9d71-d15e7d72b3d6", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 52190, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "b77af43a-c5b4-4f4e-8027-ca9de84c14f0", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 41239, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "ba5331be-812f-44ae-9840-15970cc3da48", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 10171, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2026_27_7d55b72508.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=40,173 vs Grand Total=40171.0)", "source_page": 1 } }, { "id": "bbf5a2a0-dcda-416e-9e17-52df8609ff57", "metric_id": "financial.claims_paid_to_provisioned_ratio", "metric_name": "claims paid to provisioned ratio", "value": 57, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "bce46dd6-3d48-48ac-9c5e-6b3d0335ed7d", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 1, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2026_27_7d55b72508.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=40,173 vs Grand Total=40171.0)", "source_page": 1 } }, { "id": "bf165a3f-d50d-4466-9acc-b4bc929a5311", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": -38, "unit": "%", 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"source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=40,173 vs Grand Total=40171.0)", "source_page": 1 } }, { "id": "e0cc5785-1bac-4ff2-a2e7-7c5fa020be46", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 126, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "NL_20_Analytical_Ratios_Q1_FY_2026_27_c594869193.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, health row immediately after label, col 7", "source_page": null } }, { "id": "e227fe12-e998-4c1a-b2dd-769acde31618", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 40, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2026_27_7d55b72508.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=40,173 vs Grand Total=40171.0)", "source_page": 1 } }, { "id": "e3f2296e-90dc-4b14-9fd4-5d62674d66a5", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 26, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "e4b2b65a-b456-4fd6-8f79-8d408cb3c783", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 35131, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "e9f04372-0341-4049-8183-e0cdc80cdedc", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 936, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "NL_20_Analytical_Ratios_Q1_FY_2026_27_c594869193.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 7", "source_page": null } }, { "id": "ea4c7259-e320-4b93-aaeb-db3799645775", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 81, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "2026-06-30_NL-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-11", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "ee427462-7707-471e-ae44-51f11f4d3ef4", "metric_id": "financial.gross_npa_ratio", "metric_name": "gross NPA ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "NL_20_Analytical_Ratios_Q1_FY_2026_27_c594869193.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 row-format label match: gross_npa_ratio", "source_page": null } }, { "id": "efad1e65-d945-46e5-ad64-15580a176c97", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 34463, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_36_Business_Channels_Q1_FY_2026_27_1ecde41f05.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=39,668 vs Grand Total=39667.0)", "source_page": 1 } }, { "id": "f3b17a5e-5ce3-49c8-8dfc-d93a61e9b2fc", "metric_id": "claims.settlement_ratio.nonlife.count", "metric_name": "claim settlement ratio", "value": 70.8938, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "", "regulatory_form": "NL-37-CLAIMS-DATA", "reporting_period": "Q1 FY26-27", "source_document": null, "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-37: paid=33486.0, opening_os=7132.0, reported=40102.0 (reported = sum of sub-rows, header row's own total not trusted -- see module docstring)", "source_page": null } }, { "id": "f5a37802-cb6c-41ec-a741-4a4fb1c2654b", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": -3.66, "unit": "crore", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q1 FY26-27", "source_document": "NL_2_Profit_and_Loss_Account_Q1_FY_2026_27_377caffafa.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-2-B-PL 'Profit / (Loss) after tax', For the quarter column", "source_page": null } }, { "id": "f7507e5f-ede9-4f9c-9328-bfffbe13db74", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 260, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "NL_20_Analytical_Ratios_Q1_FY_2026_27_c594869193.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 7", "source_page": null } }, { "id": "f968035f-0790-41e4-83ba-aa1a77f59cad", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 11217, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2026_27_7d55b72508.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=40,173 vs Grand Total=40171.0)", "source_page": 1 } }, { "id": "f9ff4bea-5d9d-4e09-9f4e-a32a8c2055a2", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 53, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "NL_20_Analytical_Ratios_Q1_FY_2026_27_c594869193.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "fc1fbe5c-569e-4913-a80c-b04e96eff0d4", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 77, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "NL_20_Analytical_Ratios_Q1_FY_2026_27_c594869193.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 7", "source_page": null } }, { "id": "fccfe4f1-315e-42ee-a0f6-f5b07c4d58d0", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 1482, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2026_27_7d55b72508.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=40,173 vs Grand Total=40171.0)", "source_page": 1 } }, { "id": "fdd11e70-eb44-4b5a-a08b-bb4fd5ff4bad", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 89, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "NL_20_Analytical_Ratios_Q1_FY_2026_27_c594869193.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 7", "source_page": null } }, { "id": "fe0ccab9-fa23-477c-81f3-500350d5ac87", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 91, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2026_27_7d55b72508.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=40,173 vs Grand Total=40171.0)", "source_page": 1 } }, { "id": "fe2306b5-10e5-41a1-a82e-4d5361bf0222", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 56, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": 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policies, for the quarter (sum=240,454 vs Grand Total=240454.0)", "source_page": 1 } }, { "id": "ff442d40-a214-430c-b2ad-841850eaa2cd", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 339, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zuno-general/NL_36_Business_Channels_Q1_FY_2026_27_1ecde41f05.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-36 channel premium, for the quarter (sum=39,668 vs Grand Total=39667.0)", "source_page": 1 } }, { "id": "ffa3614e-775a-45c5-9a44-813593367e90", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 34, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "2026-06-30_NL-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-11", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "01ec8be7-d4bc-4d98-8efa-f2e44b73f202", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 20364, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "02e8f244-4e6e-404b-ab3c-2627fd6408c9", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 14088, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "04388580-27d2-4444-b928-de41d62c9326", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 333, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 7", "source_page": null } }, { "id": "04f81800-c01f-4fa0-aac1-c812472502c7", "metric_id": "financial.gross_npa_ratio", "metric_name": "gross NPA ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: gross_npa_ratio", "source_page": null } }, { "id": "07e83219-6e61-46a6-8be6-cc2b6f8365e5", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 90, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q4_FY_2025_26_9e5e6e9fcc.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=36,246 vs Grand Total=36246.0)", "source_page": 1 } }, { "id": "0cce7ee6-cedd-44d7-b4fc-518980842992", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 424, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q4_FY_2025_26_9e5e6e9fcc.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=36,246 vs Grand Total=36246.0)", "source_page": 1 } }, { "id": "0d5eabac-b555-410d-8d40-7f14808ae14e", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 3207, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "11204d1c-8a24-471a-a580-633ad7f945ac", "metric_id": "financial.investment_mix.segment.real_estate_subsidiaries", "metric_name": "real estate & subsidiaries", "value": 4007, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "1122de66-d402-429f-9156-3d956b084315", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 137, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 7", "source_page": null } }, { "id": "11f1147a-9288-493c-a39a-52c131f475bd", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 26308, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "1ef5d537-851e-4f04-bf04-7f2ff4eb43a0", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 1, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q4_FY_2025_26_9e5e6e9fcc.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=36,246 vs Grand Total=36246.0)", "source_page": 1 } }, { "id": "22a28ea5-5460-4d15-be41-9cc849c4f128", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 403, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "23cf0dc8-db32-4fc6-ba4a-dacdaed369f6", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 82, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "260498a8-f82e-490e-a8e4-db5e6d1f58b5", "metric_id": "financial.investment_mix.segment.other_approved_securities", "metric_name": "other approved securities", "value": 13276, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "276b9790-30d4-4433-bab8-1350a1d42a02", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": 2, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "2ad7ebcf-265b-466a-b93f-d1c209c713d9", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q4_FY_2025_26_9e5e6e9fcc.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=36,246 vs Grand Total=36246.0)", "source_page": 1 } }, { "id": "2df2ae78-0180-4927-b367-79ee28219bca", "metric_id": "distribution.general.channel.insurance_marketing_firm.premium", "metric_name": "Insurance Marketing Firm premium", "value": 16, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "332594f0-5ccb-432d-8ae6-67ee2bcea635", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 7111, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q4_FY_2025_26_9e5e6e9fcc.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=36,246 vs Grand Total=36246.0)", "source_page": 1 } }, { "id": "3579563f-3b82-46b5-bc6f-c63536a4d7d1", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 96, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "36b5136e-77bf-44ca-a25b-538b449ba307", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": -5, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "40e9ca5f-6088-4387-8d79-415fe34984a4", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 43559, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "464de311-26c1-452a-8fdf-5dfd472c6ce8", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 5, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q4_FY_2025_26_9e5e6e9fcc.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=36,246 vs Grand Total=36246.0)", "source_page": 1 } }, { "id": "47f3a429-34d4-42aa-a66b-8db9a99f18d3", "metric_id": "financial.investment_yield.gross.quarterly", "metric_name": "gross yield (quarterly)", "value": 7.78, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zuno-general/NL_31_Investment_and_Investment_Income_Q4_FY_2025_26_407992e7c7.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-31 TOTAL row, quarterly gross yield, col 5", "source_page": 1 } }, { "id": "492230a5-268f-4358-b342-ed6a73e2a645", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 3259, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q4_FY_2025_26_9e5e6e9fcc.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=36,246 vs Grand Total=36246.0)", "source_page": 1 } }, { "id": "537f4a41-b6ce-4150-892d-5572d04f7f31", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 60, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "5399e165-a799-4399-9a5f-5f38af0bc5ea", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 11758, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q4_FY_2025_26_9e5e6e9fcc.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=36,246 vs Grand Total=36246.0)", "source_page": 1 } }, { "id": "54a2ffd2-6014-4185-8753-f2775e551042", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 61, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "6076288d-8352-4cee-849a-9b375e63453f", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 3430, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "61a535f6-6ad5-45c9-92d3-b96f1382e959", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 125, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, health row immediately after label, col 7", "source_page": null } }, { "id": "6548f2f3-07e4-458f-9fa8-f81de23a1e7a", "metric_id": "financial.investment_mix.segment.mutual_funds", "metric_name": "mutual funds", "value": 15011, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "68f0df94-13da-4446-ab66-5b50f84b9d61", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 244, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 7", "source_page": null } }, { "id": "6c8e32c6-8c6d-4e86-997a-83d48ed8e146", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": -4, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "6d151221-e77e-4ba7-b75b-c966ec830232", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": -9.51, "unit": "crore", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "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": "76221d71-b966-45d5-bd56-55bbb1c5134a", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 13192, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q4_FY_2025_26_9e5e6e9fcc.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=36,246 vs Grand Total=36246.0)", "source_page": 1 } }, { "id": "7624da8c-80ab-4743-9ca1-9975eee5c4be", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 1724, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "77722303-aa31-4e39-b1cd-bf760f6d69a1", "metric_id": "distribution.general.channel.misp_direct.premium", "metric_name": "MISP (Direct) premium", "value": 924, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "7842ed7d-6de3-4a55-98ff-626a8aae608a", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 9, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "7b410235-dcbd-4b82-848e-9ae7be9ea742", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": -9.51, "unit": "crore", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "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": "7b7bb2cc-4a0b-493f-8e22-96036b13ff86", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 0, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "7d575c92-5e09-495e-86e6-846c21d6153c", "metric_id": "financial.investment_yield.net.annualized", "metric_name": "net yield (annualized)", "value": 8.42, "unit": "%", "reporting_period_label": "FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "FY25-26", "source_document": "pdfs/zuno-general/NL_31_Investment_and_Investment_Income_Q4_FY_2025_26_407992e7c7.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-31 TOTAL row, annualized net yield, col 10", "source_page": 1 } }, { "id": "852ba31f-f6a3-4519-bef6-6e49bdb2f389", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 4568, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "950d32a0-4c59-4ade-b6bd-8a507849bf89", "metric_id": "financial.investment_npa.gross_amount", "metric_name": "gross npa (amount)", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zuno-general/NL_30_Non_Performing_Assets_Q4_FY_2025_26_c3c359c3cf.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 2, TOTAL column 10", "source_page": 1 } }, { "id": "95d0efb5-753b-4350-8f9f-506b717f4cad", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": 207, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "9cf4d9a7-907f-4ad3-95e8-5ff0937cb87b", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 2.14, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "9e367147-e244-44cd-9e4d-7eafed1470fe", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 88, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "9f6f5b7a-55e1-469c-aa8d-a50cb4a79cd0", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 24, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "9ff94872-a139-40fe-97a1-f2aa77179b11", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 204, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 7", "source_page": null } }, { "id": "a4ec166d-e365-4919-b8f0-599b7b86c52a", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 142, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 7", "source_page": null } }, { "id": "a87f72c1-b3d7-4517-9a57-35384122272a", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 55, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "ad70593e-1533-4f36-b640-0a847a195cb4", "metric_id": "financial.investment_npa.gross_pct", "metric_name": "gross npa ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zuno-general/NL_30_Non_Performing_Assets_Q4_FY_2025_26_c3c359c3cf.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 3, TOTAL column 10", "source_page": 1 } }, { "id": "ae40d305-21e7-45e7-aebc-eeb03f3836db", "metric_id": "financial.investment_yield.gross.annualized", "metric_name": "gross yield (annualized)", "value": 8.42, "unit": "%", "reporting_period_label": "FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "FY25-26", "source_document": "pdfs/zuno-general/NL_31_Investment_and_Investment_Income_Q4_FY_2025_26_407992e7c7.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-31 TOTAL row, annualized gross yield, col 9", "source_page": 1 } }, { "id": "aebbd0c9-7490-4f3c-8704-6e13f1387dcc", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 39823, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "afeb0ef1-dac9-46f6-8481-eb73963ac590", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.57, "unit": "x", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "ZUNO General Insurance Limited (formerly known as Edelweiss General", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q4 FY25-26", "source_document": "2026-03-31_NL-26.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-11", "extraction_note": "NL-26 solvency text regex", "source_page": null } }, { "id": "b05e66fc-aee6-4077-a57c-9fa147b7b215", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 26, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q4_FY_2025_26_9e5e6e9fcc.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=36,246 vs Grand Total=36246.0)", "source_page": 1 } }, { "id": "b2c2048b-c36f-4cfd-919f-1f08e393d0f2", "metric_id": "financial.investment_yield.net.quarterly", "metric_name": "net yield (quarterly)", "value": 7.78, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zuno-general/NL_31_Investment_and_Investment_Income_Q4_FY_2025_26_407992e7c7.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-31 TOTAL row, quarterly net yield, col 6", "source_page": 1 } }, { "id": "b3a48f9d-6472-4435-8996-eafa22a86ffe", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 157, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "b4adc95e-2aec-47d4-8a9d-f673e959b9cb", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 42, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "b9c16303-3424-4ecc-b9f0-adac761e8d8f", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 136, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 7", "source_page": null } }, { "id": "b9ef05d6-53a9-4478-8d5c-9ec8d7cc6b23", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 97, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 7", "source_page": null } }, { "id": "ba96e789-ab22-4353-97ac-a7e99c63e055", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 104, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 7", "source_page": null } }, { "id": "bdb2e16a-8544-47e4-b5b1-fc6089318b6f", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 380, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q4_FY_2025_26_9e5e6e9fcc.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=36,246 vs Grand Total=36246.0)", "source_page": 1 } }, { "id": "bea1ca39-bc41-4636-b48e-cd9be3b68ee9", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 96, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "c4e498b0-b5fe-4db9-b48e-280208ab79f0", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 433, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 7", "source_page": null } }, { "id": "cb2c0ea2-cc86-4f9d-81d2-d34dcb42f34c", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 86, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "cc1ec589-3729-4075-a3d7-9f0ad2ca2de5", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q4_FY_2025_26_9e5e6e9fcc.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=36,246 vs Grand Total=36246.0)", "source_page": 1 } }, { "id": "cc4e1061-af00-4f3e-bf8b-146755c9ea62", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 463, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d20242f3-f94a-4d1d-98b2-eada65bf37c7", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 33, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "d6a9ef19-9176-4728-9bfe-f45ac1f39868", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 32, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d71cb3fd-12b3-4751-b41f-2706dca18cdc", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 1852, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d9149a5a-e4b0-439e-a866-20ec6757c85f", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 24, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "e2af1150-08d3-4b55-9248-02ae35ff416b", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 28804, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "e3438e42-c265-465f-936b-9703d9a7f953", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 78, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "e3c18c33-7ab5-4deb-9702-c416ebfce286", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q4_FY_2025_26_9e5e6e9fcc.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=36,246 vs Grand Total=36246.0)", "source_page": 1 } }, { "id": "e6f719e8-e5b1-4c4b-b76a-03499a569cf0", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 120, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "e7819e1a-5053-4882-9faf-06ecff4cc326", "metric_id": "financial.investment_npa.provision_pct", "metric_name": "npa provision coverage", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zuno-general/NL_30_Non_Performing_Assets_Q4_FY_2025_26_c3c359c3cf.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 5, TOTAL column 10", "source_page": 1 } }, { "id": "ebc97bfa-9650-4db2-b91c-959cdf21e21f", "metric_id": "financial.net_npa_ratio", "metric_name": "net NPA ratio", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: net_npa_ratio", "source_page": null } }, { "id": "edfc4476-e044-4ee5-9ad2-70a2a6755605", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 275822, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "ef6f5c8d-4027-4fe0-bfa4-1a5dadce5ebc", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 297, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "f45c7dc8-3ee4-4d03-a9f5-7637f910f704", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 31, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "f84aa919-b1c2-441b-9d06-f4d04f38d910", "metric_id": "financial.gross_direct_premium.segment.aviation", "metric_name": "aviation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q4_FY_2025_26_9e5e6e9fcc.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=36,246 vs Grand Total=36246.0)", "source_page": 1 } }, { "id": "f8e4e06d-bac6-403f-89ed-c3f81cdfc922", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 38, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "fa0c9c55-69a8-46cc-8686-4402bf4fa7ef", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 27, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "fe7066c0-1575-4c9e-8ec5-97d6dcba0526", "metric_id": "distribution.general.channel.misp_direct.policies", "metric_name": "MISP (Direct) policies", "value": 3479, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "ff5a41ca-4b8b-46e3-8000-fb4573a44943", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -25, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_Q4_FY_2025_26_03330c0fa2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "015b6efd-caae-4469-9b68-9d273cbd07b3", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 10, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "05100bff-4741-4a29-904f-34491e8cb3aa", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 85, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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": "08b3104d-0a87-4d96-a857-9de89f44a0cb", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 91, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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": "0a8af908-9315-49cc-83f1-af278c1f18db", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 9089, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "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": "0a8f67ea-ac98-49dd-81d8-3eca0f5e719f", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 2218, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "10622ddc-5703-40a1-957a-e254bd1dcfdd", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 190, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "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": "13cc8c1a-1e94-461e-8fe5-4571500e3054", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 33, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "167be80b-928f-4963-bb75-018976d6801e", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 64, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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": "181a48b7-d6e9-4644-b6cb-756da14ff341", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 140, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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 7", "source_page": null } }, { "id": "18bf1551-6ce8-4239-b329-e2f34c6b1f31", "metric_id": "distribution.general.channel.misp_direct.premium", "metric_name": "MISP (Direct) premium", "value": 823, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "1a0074fd-bc5b-4393-a502-151e9a349cec", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": 3, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "1acabb89-830e-42c0-8cd8-fa215b12e2c8", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 370, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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 7", "source_page": null } }, { "id": "1cc55c4b-6f67-4931-b4a5-079733d6a54a", "metric_id": "financial.net_npa_ratio", "metric_name": "net NPA ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: net_npa_ratio", "source_page": null } }, { "id": "21f0ab68-f7aa-4ce9-b346-55dd22963284", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 5, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "277f8485-6e0e-48ec-ae80-ee31ffafba04", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 144, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 7", "source_page": null } }, { "id": "29886323-1cb5-48ce-b625-c3cad41c99a7", "metric_id": "financial.investment_mix.segment.other_approved_securities", "metric_name": "other approved securities", "value": 12277, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "2beb2fc8-2bdf-488a-8dcb-6cca201fd737", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 39037, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "2feea6ac-d352-46af-bd33-4935912a942c", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 33, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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": "2ffacd1a-d904-47b4-bd72-af158079dee3", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 11686, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "30d6c70d-e225-4931-ad0d-a82dfd709bff", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "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": "335688c8-61b6-47b8-82fc-7863a8e59321", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 28011, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "386350fb-99ad-41cb-8e92-7aa722aa535e", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 265, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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 7", "source_page": null } }, { "id": "3d0faff4-7984-4371-b58d-4dbf0794c547", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 45, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "4598ab35-d475-4f13-bffa-22aef6b59e05", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 330, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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": "490884e2-7086-4c00-93d6-92b80c884142", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": 231, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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": "4a194cdb-440b-4ea7-be66-10068a69d0f1", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 530, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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 7", "source_page": null } }, { "id": "4a79bc86-0024-4356-afd0-c1f132c21bb0", "metric_id": "distribution.general.channel.insurance_marketing_firm.premium", "metric_name": "Insurance Marketing Firm premium", "value": 14, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "53d46080-4ad6-483b-8c0d-723a7b0ecd64", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 94, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "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": "5868f571-01d3-4940-8563-2ec2f4c258e6", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 792, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "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": "5c6d7ca2-c7ca-4317-8db3-c372ff975a43", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 29529, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "69ba4926-c8c6-41c1-9343-47f116459fe7", "metric_id": "financial.gross_npa_ratio", "metric_name": "gross NPA ratio", "value": 0.11, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: gross_npa_ratio", "source_page": null } }, { "id": "6a282fa1-d3ba-4585-b94a-d1ae4173e570", "metric_id": "financial.investment_mix.segment.mutual_funds", "metric_name": "mutual funds", "value": 12906, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "6fc074f8-b00f-4861-9122-6ffc6bac8dce", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 2753, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "70f6e154-2816-41d7-bf31-da4a1116f294", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 39447, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "7deec16c-99af-476f-98d6-b3baac34d758", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 87, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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": "7e846c3b-a2d6-49b8-90d3-1410d59233d3", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 4578, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "7f53308a-70a7-4d34-b851-c4c5dec6ea35", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 4109, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "80039d74-8cfb-45f8-b3d1-4353c0060d44", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 73, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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": "81487805-952c-4a42-8308-828896449bee", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 176, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 7", "source_page": null } }, { "id": "81984be6-6d93-4254-b8e8-9d520671caba", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 53, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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": "8687020f-4595-48cb-a936-9b097efa6f2b", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.65, "unit": "x", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "ZUNO General Insurance Limited (formerly known as Edelweiss General", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q3 FY25-26", "source_document": "2025-12-31_NL-26.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-11", "extraction_note": "NL-26 solvency text regex", "source_page": null } }, { "id": "8934693d-a7c7-4d41-884c-308c7a2e880f", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 17, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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": "9370947b-8e7d-4659-b281-3785fa940155", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 86, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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": "96d01106-3e93-4a4d-a054-08f55cb6df90", "metric_id": "financial.investment_npa.provision_pct", "metric_name": "npa provision coverage", "value": 100, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "99d551f9-3c2b-4052-a1f5-e6b1a0f74e81", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 98, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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 7", "source_page": null } }, { "id": "9d5c74d1-6329-4003-8046-c0035a6136cc", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": -13, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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": "a2bebb6c-06e9-47b9-8b3d-bf3b9b56a50d", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 25, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "a3b005e6-c362-4e0e-8d19-b441d195406d", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -32, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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": "a49ac413-1dda-4de0-a90c-518a8060671b", "metric_id": "financial.investment_mix.segment.real_estate_subsidiaries", "metric_name": "real estate & subsidiaries", "value": 4008, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "a772e2d9-f9d6-463c-a21e-554f7848e34d", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": -14, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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": "a951f9b2-17e2-42fb-92bb-64597c254730", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 23, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "ab52700a-5239-40ae-8272-127b43ae9b89", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 15, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "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": "acb8aaaf-95f9-48e8-8ef1-f0ac7889d914", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 10261, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "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": "ada3ee39-96c3-458b-9986-8faa12fccf53", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 29, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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": "aed43bf4-1404-4927-9c2b-0b21a7dd4b92", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 122, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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": "af3ea98d-5431-4881-afc0-a0fd5e77dbeb", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 119, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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 7", "source_page": null } }, { "id": "afdee2cc-3bf6-4907-be9b-35159374bce6", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 2.15, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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": "be594af5-0d8a-4ec7-ad65-1096af925cc2", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 36, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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": "be606b96-5a03-4f3f-be46-85b00d77a7fb", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 230512, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "cb570e63-1d91-4230-9fd7-74d987147409", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 143, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "ddbb812f-3bb4-4947-8063-31a738447b93", "metric_id": "distribution.general.channel.misp_direct.policies", "metric_name": "MISP (Direct) policies", "value": 3390, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "df77277c-ed1e-4294-90fc-b685a748a76e", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": -22.02, "unit": "crore", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "e23862fb-186b-46db-bc21-8df84e8a3528", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": -22.02, "unit": "crore", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "e49b0652-7939-4d1e-bf40-e38d34c03f70", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 97, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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": "e8b381f0-31bb-4bdd-a07e-0ad123515715", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 1528, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "ea9c13e9-3178-40ab-9c8c-53d9bb315370", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 17520, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "ec635a10-37e8-440a-a5a5-f12e1308a29e", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 12, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "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": "edd55484-d39e-4108-8d5c-d3ec7eb455dc", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 58, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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": "f2d46795-d842-4098-9355-74d4edca84dd", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 497, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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": "fbb7b3c6-35ea-4417-8e2e-d414a57b4c3d", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 12241, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "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": "fc02f9d3-fc79-4958-8d63-3937411fa873", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 96, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.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 7", "source_page": null } }, { "id": "fd4147f4-d7a9-439b-b6a2-f7de68037d91", "metric_id": "financial.investment_npa.gross_amount", "metric_name": "gross npa (amount)", "value": 181, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "fd4f2015-c04e-4f91-b694-4abaafed17b7", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 346, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q3 FY25-26", "source_document": "textplor-vendor-2025-26-9M.xlsx minus H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "fe1449d9-8d73-4aa4-8b80-0b2f6e9aa8d6", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 129, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, health row immediately after label, col 7", "source_page": null } }, { "id": "fec46ea3-b1ff-4b5c-85ea-67ef6bfd4e43", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 1118, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zuno-general", "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": "0050d6c8-2f48-4c3b-b6a9-c65f2f3f8968", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 24001, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "064568f9-c4dc-45f1-8fc7-d3cb89f81cda", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 9205.3, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "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": "0826ba94-0738-4b18-9615-453a24280f79", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 111, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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 7", "source_page": null } }, { "id": "12a13ec8-ce39-4998-b6b0-611e265159d6", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 351.52, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "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": "156a9360-194c-4311-bb26-bfec8861a656", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 144, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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 7", "source_page": null } }, { "id": "1ab09ee5-1a27-4c08-adbe-ec85c0d1f368", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 189, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "1dd422ef-1762-421c-91f2-f995ed9285a6", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 3339.82, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "24e7b43b-f4a4-4f13-be9d-a80b51995740", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 7072.52, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "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": "26b457d7-ef7b-4eb6-8a8a-b6fc88534834", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 2.73, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "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": "278ff457-13f4-4ba0-a5c1-1c4d9c5556d6", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 16763, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "2a25d028-936c-4220-b811-ff4ae75e5db1", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 154731, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "2aa56553-8145-4dee-b876-99e18843c36f", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 23, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "2f0d4f56-4fd7-4581-8399-dc3382781786", "metric_id": "financial.investment_npa.provision_pct", "metric_name": "npa provision coverage", "value": 100, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "30befbf7-75eb-4833-b62b-ce852a2562c7", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 330, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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 7", "source_page": null } }, { "id": "36793bf8-a6be-42a1-8264-bd6a3daa976f", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 62, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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": "370b81cf-d06a-489b-8773-6dc5934b5489", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 83, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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": "3a867e16-1179-4b44-bd23-7644e9e55e1b", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": -4, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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": "429dc0d8-8312-429d-9d49-5e116b58a70b", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 78, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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": "44a71902-71cf-44be-997f-12376cc72078", "metric_id": "distribution.general.channel.misp_direct.premium", "metric_name": "MISP (Direct) premium", "value": 693.87, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "4705c7e6-4ee3-4c47-9cb8-519955d989a7", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 95, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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": "47d18e2f-edcc-4179-a8aa-d61fbed617f6", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": -4.7852, "unit": "crore", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "57cc4358-4862-47fa-86a1-c573d453b66d", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 219, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 7", "source_page": null } }, { "id": "5883934a-a911-4604-986d-0d9d3ba3746f", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": -0.35, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "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": "5aae4388-576d-4935-b041-538c27938a09", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 124, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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": "63e558bd-56f6-4161-abc8-cb32cd312742", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 7458, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "64261753-c33f-4fe9-966a-4062f31e5560", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 286, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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": "69b41ce4-e1d9-43ba-8db5-61bb76eefcd2", "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": "zuno-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "6bc5af77-dea9-47cf-b103-f5510351aad2", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -22, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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": "6dca0f47-e431-44e3-be16-cc09d78e6416", "metric_id": "financial.gross_npa_ratio", "metric_name": "gross NPA ratio", "value": 0.12, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: gross_npa_ratio", "source_page": null } }, { "id": "71be83eb-28fe-400b-8033-28a0e4fa5882", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 12, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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": "73bab3e9-c1ef-455c-a7f1-481eb69ff1b9", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 643, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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 7", "source_page": null } }, { "id": "7e0a61d9-765e-4d68-b818-8343f2aef368", "metric_id": "financial.investment_mix.segment.other_approved_securities", "metric_name": "other approved securities", "value": 9809, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "7f52ac8a-5c93-4777-8148-9dbe7c2e0ecc", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 132, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, health row immediately after label, col 7", "source_page": null } }, { "id": "81f8c4c9-88bb-49a9-bd51-8eaa255eab92", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 37, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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": "83126276-0e9c-48cb-87cd-3b943fac8b0e", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 1081, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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 7", "source_page": null } }, { "id": "88542f8b-b729-40da-9e7b-bfd37dc8a65c", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 2.25, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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": "8a8d485d-9dfb-4a3e-9c71-d9e81ab5caf0", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 39246, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "8aa98639-a45c-4a62-ad0d-4c6e5c3a19fe", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 86, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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": "949946d9-7460-4f8e-a957-f8c868e9a140", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 59, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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": "9cff8d47-fd5c-47fe-b8cc-7173ed850472", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 50.42, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "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": "9d911f3c-eefc-42eb-b6d6-be07b301dee6", "metric_id": "financial.investment_mix.segment.real_estate_subsidiaries", "metric_name": "real estate & subsidiaries", "value": 4650, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "9f0784db-62ca-4a91-9b66-035fbe6341ba", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 96, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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": "9fdcd49e-deeb-490b-a6f1-37cd759f8c26", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": -4.7852, "unit": "crore", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "a1faf00f-8fd1-4939-9d20-040ca88850d1", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 19215.4, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "a7f095a3-2aa6-48d8-bdfe-ce68a60ae99f", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": -3, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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": "a8694c9d-84ba-4c39-b6cd-531b144a964d", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 8, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "abf85f41-f06e-4d4e-a79c-23e3faf78b42", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 2315, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "acabee7d-217c-47c7-b766-646ce95d95c3", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 37508, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "ad3bd659-33b3-4e57-b559-e5ca58203a97", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 8.94, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "b169465e-4a99-4c95-8558-3806d6fbf064", "metric_id": "financial.investment_npa.gross_amount", "metric_name": "gross npa (amount)", "value": 181, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "b2b4bd89-ea27-4bed-bd8e-52658ff3f31f", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": 626, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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": "b5adb42c-0995-4784-b749-978d3d4a224d", "metric_id": "distribution.general.channel.insurance_marketing_firm.premium", "metric_name": "Insurance Marketing Firm premium", "value": 17, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "c0f20c44-fe81-47dd-ada6-79aa1ca61eee", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 34.17, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "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": "c27cdc59-0bc6-47e6-a8ea-6d83b4dd7e17", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 103, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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 7", "source_page": null } }, { "id": "c2c29ae2-1e9e-4e4c-a62a-8130a976128b", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 2124, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "c2cc84e2-244f-488f-a649-919cdcc16d7c", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 6195.42, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "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": "c54c722b-465a-40eb-a871-98eab7afaec8", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 115, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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 7", "source_page": null } }, { "id": "ca455299-13f9-41fa-8e7d-2e8e578f8a74", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 318.75, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "cbfce64c-0501-455e-83fb-2efb725e9c50", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 66, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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": "cdda6f81-c282-4d5b-b8ea-40c7c18fce61", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 4134, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "cecd442c-6bfd-4028-a8a0-352fb2906da6", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 33, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d5bf9c97-4110-46be-91c1-36ace4fbec67", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 1589.58, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "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": "dc53c569-f9f2-4706-bb25-6b1be8857350", "metric_id": "distribution.general.channel.misp_direct.policies", "metric_name": "MISP (Direct) policies", "value": 2892, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "dee22ae4-7349-4d84-90a0-47459dbc11ff", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 8, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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": "e1c7f2cf-59fa-4b80-8c05-e7f514926640", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 85, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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": "e20188e1-c4cf-47ef-84f8-c67086b7e35a", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 138.68, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "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": "e870582e-aeef-42fc-b590-c7f344c5a855", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 41, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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": "e94608bb-5717-41d0-aa83-fb33030fc028", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 130, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 7", "source_page": null } }, { "id": "ea1be49b-2337-43af-93de-dafd8d4b1c3a", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.89, "unit": "x", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "ZUNO General Insurance Limited (formerly known as Edelweiss General", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q2 FY25-26", "source_document": "2025-09-30_NL-26.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-11", "extraction_note": "NL-26 solvency text regex", "source_page": null } }, { "id": "ec025d67-d356-4c35-a6d9-037685793448", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 29, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "f2da7bae-0d7e-4f29-a484-41cd16e1e664", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 1044, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.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": "f9981343-9cee-4067-aca1-ae88443af679", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 1075.38, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "ff3b6060-cf63-412e-8c03-8b98832a22ea", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": 1.59, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q2 FY25-26", "source_document": "textplor-vendor-2025-26-H1.xlsx minus Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "012c1cda-f342-4196-894d-8144cd125585", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 37333, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "031775a0-8cff-4b5f-87da-56e59d573c5b", "metric_id": "financial.investment_npa.gross_pct", "metric_name": "gross npa ratio", "value": 0.13, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zuno-general/NL_30_Non_Performing_Assets_Q1_FY_2025_26_e80cc32da8.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 3, TOTAL column 10", "source_page": 1 } }, { "id": "03632f9a-23c1-4e3d-9606-f43fa99f7123", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 130, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30_NL-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-11", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "0a4dfb59-4174-407a-8061-f1fb9bc4e36d", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 44.32, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2025_26_81a1a5b98c.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=24,849 vs Grand Total=24849.15)", "source_page": 1 } }, { "id": "0ab4936e-f97d-4a2c-bf3f-3d615ffe0e89", "metric_id": "financial.investment_yield.gross.quarterly", "metric_name": "gross yield (quarterly)", "value": 11.43, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zuno-general/NL_31_Investment_and_Investment_Income_Q1_FY_2025_26_7d5463e99f.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-31 TOTAL row, quarterly gross yield, col 5", "source_page": 1 } }, { "id": "0db09070-37c4-4c3d-a684-e2bb6e9dba95", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 640.14, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2025_26_81a1a5b98c.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=24,849 vs Grand Total=24849.15)", "source_page": 1 } }, { "id": "0eefc09a-0800-47a1-9a5e-d37643b39ab0", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 33, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "145e08ec-cbeb-4008-b54a-2f817394be78", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 86, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30_NL-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-11", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "1649c98e-3722-4031-b756-893b02e0b548", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 16988, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "209c0c04-8e73-4e4c-a1e8-f488b3dfe63d", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 2097.42, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2025_26_81a1a5b98c.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=24,849 vs Grand Total=24849.15)", "source_page": 1 } }, { "id": "22d3eebe-19b2-411b-8c09-88bf063ca0f4", "metric_id": "financial.investment_mix.segment.real_estate_subsidiaries", "metric_name": "real estate & subsidiaries", "value": 4186, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "22f61ae6-b171-4d62-9702-d8eb27864255", "metric_id": "financial.investment_mix.segment.other_approved_securities", "metric_name": "other approved securities", "value": 4939, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "2422d3cf-16be-46f6-b735-56ed9797e8e9", "metric_id": "financial.investment_npa.provision_pct", "metric_name": "npa provision coverage", "value": 100, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zuno-general/NL_30_Non_Performing_Assets_Q1_FY_2025_26_e80cc32da8.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 5, TOTAL column 10", "source_page": 1 } }, { "id": "25ad98b9-9458-472b-adb9-5a21d47b08b9", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 22, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "29a61871-df69-4df9-bd96-eab0efc4c034", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": -4, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "2abd30bf-ad4c-4f21-ac49-333907d4b493", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 248.49, "unit": "crore", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-35-QUARTERLY-BUSINESS-RETURNS", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30_NL-35.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-11", "extraction_note": "NL-35 Grand Total YTD premium", "source_page": null } }, { "id": "2d0e1ee9-ecad-4f04-9635-94c593129dfd", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 6306.48, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2025_26_81a1a5b98c.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=24,849 vs Grand Total=24849.15)", "source_page": 1 } }, { "id": "3425a4c5-eff3-4271-aaca-c5959ec56d2d", "metric_id": "financial.gross_direct_premium.segment.aviation", "metric_name": "aviation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2025_26_81a1a5b98c.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=24,849 vs Grand Total=24849.15)", "source_page": 1 } }, { "id": "35b5c944-6808-4d81-8180-76f42a91d301", "metric_id": "financial.investment_yield.net.quarterly", "metric_name": "net yield (quarterly)", "value": 11.43, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zuno-general/NL_31_Investment_and_Investment_Income_Q1_FY_2025_26_7d5463e99f.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-31 TOTAL row, quarterly net yield, col 6", "source_page": 1 } }, { "id": "398e8359-fc88-450d-87b8-1b6f4b7842cc", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 6194.58, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2025_26_81a1a5b98c.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=24,849 vs Grand Total=24849.15)", "source_page": 1 } }, { "id": "459050a1-8d4a-490e-8d4b-5b6b84e1a026", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 9191.7, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2025_26_81a1a5b98c.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=24,849 vs Grand Total=24849.15)", "source_page": 1 } }, { "id": "4cfd2bd3-ad0d-464c-b546-5a509d5927c6", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 0.06, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "516dd45e-cfdd-49b8-8588-a3e304b12896", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 24, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "523aa522-2ddc-47bb-b56b-a544d2789ac0", "metric_id": "distribution.general.channel.misp_direct.policies", "metric_name": "MISP (Direct) policies", "value": 3820, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "55041200-997f-46d4-9fb6-384f1c0cb1b8", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 201.25, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "55f1d27f-8c28-461a-8567-8bdca9f678b8", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 0.27, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2025_26_81a1a5b98c.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=24,849 vs Grand Total=24849.15)", "source_page": 1 } }, { "id": "568a9301-b2f7-454c-b0ad-44981feb45bc", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 115, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "5b1c0bc7-e7f0-4376-bcee-bd8a4c922295", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 157, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "5f4ebf35-b899-4866-9eb8-6d7794310aa9", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 126, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "5ff0851c-2857-4da4-8ea8-c54ccb3d9ba4", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 38, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30_NL-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-11", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "636457b0-8ce1-4f98-9b8b-ba745c333f88", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 59, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30_NL-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-11", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "690629d2-2cd7-4d76-820f-26a4648a5f1a", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 12, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "6942118e-4aeb-47db-a791-d1551b87f449", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 85, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "6ae78810-6f8c-4f6b-8f88-71767c3de2c5", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 3, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "6b83328c-0511-44cf-878c-a4f3aff27f6c", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": -437, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "704278ef-ddde-412c-b266-9a5959e13db0", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 130, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "70c8485b-aa9e-4993-92d9-e2158ee4f5c8", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 2638.18, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "757c7307-06c2-43c6-9168-529d7eb1da5c", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "7c398e93-07e9-4233-91c8-d4b567ae345e", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 81, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "7e192736-0097-4774-a9e6-3c357aa97e71", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": -10.59, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "7eb23678-9732-448c-9a9f-a9ac440ba674", "metric_id": "distribution.general.channel.insurance_marketing_firm.premium", "metric_name": "Insurance Marketing Firm premium", "value": 14, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "82576c40-bef7-4c93-a2bf-fd776fa89550", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 41870, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "85d018fc-eb67-4b4e-9861-57834f1e0ba1", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": -4.2948, "unit": "crore", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "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": "86cf8434-1e6f-4f17-8837-e5a72f82898b", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 45, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30_NL-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-11", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "8a1e05dc-09c7-4f3a-afbf-99d04ff4f373", "metric_id": "financial.investment_mix.segment.equity_preference_shares", "metric_name": "equity & preference shares", "value": 3393, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "8a3850f6-146a-48df-9db3-6700c158cb35", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 116, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "92b81737-e3fa-46a5-b2e2-6f4441f69d3e", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 22.83, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2025_26_81a1a5b98c.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=24,849 vs Grand Total=24849.15)", "source_page": 1 } }, { "id": "92da546b-5d22-4113-ae6f-551b9f955c33", "metric_id": "distribution.general.channel.misp_direct.premium", "metric_name": "MISP (Direct) premium", "value": 968.13, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "9436c9b9-7e27-41fb-b47e-ad1f371caaac", "metric_id": "financial.claims_paid_to_provisioned_ratio", "metric_name": "claims paid to provisioned ratio", "value": 66, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "94e68879-5dbd-4843-a46b-65e361d19213", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 20, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "9526f1d2-b379-4f7f-9ecb-504a039cc8fc", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 116, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "9866f5c8-d282-4d34-b641-f23036419329", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 1592, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "98f7819d-8054-4be4-a892-64f2f495fd3f", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 148, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "9e93a29c-c26d-4899-a76b-f105a51eafaa", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 126582, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "a1d8dd5c-3741-4f4f-9ae4-e17578937b2f", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 96, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "a1f53a36-c7d4-4e09-8ca1-538ee632f7ea", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2025_26_81a1a5b98c.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=24,849 vs Grand Total=24849.15)", "source_page": 1 } }, { "id": "a5e69f20-5710-4115-aa79-bd652dd2bb51", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 29, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-28B-EXPOSURE-NORMS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "ab35404e-e008-4db5-bcb1-6c77a18666ec", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -30, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "acaa3ad7-60df-4a99-9968-594e11425c68", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 3646, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "b7000ee7-06b8-4984-9e33-786e8c666b9a", "metric_id": "financial.investment_npa.gross_amount", "metric_name": "gross npa (amount)", "value": 181, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zuno-general/NL_30_Non_Performing_Assets_Q1_FY_2025_26_e80cc32da8.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-30 row 2, TOTAL column 10", "source_page": 1 } }, { "id": "b8e0ffdf-693b-44ab-b32f-3b95e54a7911", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 80, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "c002dc46-4817-40d3-a33c-006e0fef9abb", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 1.82, "unit": "x", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "ZUNO General Insurance Limited (formerly known as Edelweiss General", "regulatory_form": "NL-26-SOLVENCY-MARGIN", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30_NL-26.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-11", "extraction_note": "NL-26 solvency text regex", "source_page": null } }, { "id": "c34c268d-173f-4faf-b942-4fe750593185", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2025_26_81a1a5b98c.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=24,849 vs Grand Total=24849.15)", "source_page": 1 } }, { "id": "c56c08fa-d4c3-4938-9e25-74c2314341ae", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 20360.6, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "c6370842-4999-48df-9c4f-0bf4bbfd9df9", "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": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "c7ea8d87-0697-4834-9fa7-8a88ffa9ad2f", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 10, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "cf20f333-e608-4fd3-852f-2aee5180bd94", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 934.62, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d22a57d4-ae79-4d88-a8a8-6f39fb6c3661", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 24481, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-12-INVESTMENT-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Seeds the new Investment Performance page -- first data this metric family has ever had. Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d315da10-9858-4629-a988-cf7f6ec905be", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 39, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d5884665-d22e-4a00-8e47-2134655ea262", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 6976, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d9c4d691-f966-4ed5-96dd-ef463ccb103b", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 297.48, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2025_26_81a1a5b98c.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=24,849 vs Grand Total=24849.15)", "source_page": 1 } }, { "id": "dd3f52e4-d199-4311-a972-336a2347285e", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 68, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "de932683-a535-42d2-9403-6dcbb9566572", "metric_id": "financial.technical_reserves_to_premium_ratio", "metric_name": "technical reserves to premium ratio", "value": 694, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "e202f4d1-3a3e-4f1a-8b8a-db8c67e183d8", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 1, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "e40522ba-bd0c-466c-ba8c-f7e9ad51cba4", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 0.35, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2025_26_81a1a5b98c.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=24,849 vs Grand Total=24849.15)", "source_page": 1 } }, { "id": "e9d63732-12ee-4eb5-bd37-1f9342635f52", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 53.58, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zuno-general/NL_4_Premium_Q1_FY_2025_26_81a1a5b98c.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-24", "extraction_note": "NL-4 segment GDP, for the quarter (sum=24,849 vs Grand Total=24849.15)", "source_page": 1 } }, { "id": "ee125e26-301c-415c-aae5-56ecb0d029c0", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 67, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "f05fbc41-fcb5-4cf8-96d4-d0cea0d177df", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 126, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "f9724fcf-fbfe-4084-a786-f9b88b3c6c78", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 15, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "faea051b-20a8-4609-a014-0b809e5031b3", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": -4.2948, "unit": "crore", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "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": "fbca5599-dec6-4cac-8b20-a83df0b558e9", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": -478, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "fdfbf1ec-e715-4978-ad38-417e41bc170b", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 130, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "42de2c38-6fb5-4514-99c2-71c20c7a7f03", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 42, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "2025-03-31_NL-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-11", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "4c0ca2bc-76a7-40cc-b0e6-3582a666c731", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 64, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": 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