{ "insurer": { "id": "zurich-kotak", "slug": "zurich-kotak", "name": "Zurich Kotak General Insurance", "seo_name": "Zurich Kotak General Insurance", "type": "general", "irdai_registration_number": "152", "registration_status": "active", "headquarters": "Mumbai", "website": "https://www.zurichkotak.com", "disclosure_url": "https://www.zurichkotak.com/documents/public-disclosure" }, "facts": [ { "id": "00d9bf3a-59b3-4481-8801-94362a41ac82", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 37, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "02acc177-bb77-42b8-a9b3-db5bc6b50317", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 41, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "063ef374-7706-4dbb-bb07-2fd4b767e096", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 147, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "06506013-9107-4b23-bce2-02a8302e376c", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 154635, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "072d6bb4-a285-4ca9-935d-2e4aec3f4a0a", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 92, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "08f37085-278c-48ad-90a8-430a13693285", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": 24, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "1001c55c-9655-4dac-b0c7-fe1f1051344b", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 7, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "11a6ba6c-a8cb-40a1-b246-a843ec41b4e1", "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": "zurich-kotak", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zurich-kotak/NL_30_Non_performing_assets_97a523afab.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": "15e9bb98-0c08-4463-8bb8-3351890d22bd", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": -23, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "1bc3e427-feb9-4d82-919a-cda7e3691698", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 4210, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zurich-kotak/NL_4_Premium_8b438a4c5d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=62,492 vs Grand Total=62492.0)", "source_page": 1 } }, { "id": "1d8e81b6-47f3-4a9f-b7a0-1c91c6c57d05", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 278, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zurich-kotak/NL_4_Premium_8b438a4c5d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=62,492 vs Grand Total=62492.0)", "source_page": 1 } }, { "id": "26a41c23-46f0-4a1c-8615-4a66dd754dd3", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 2.84, "unit": "x", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "2a0394cf-6222-458b-8979-8a133060b4af", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 80, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "2a384b21-d9b7-4b89-af8d-54c6c78c93fd", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 33, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "2afcba0e-614d-4f89-9162-015b2983da1b", "metric_id": "distribution.general.channel.direct_business_others.policies", "metric_name": "Direct Business – Others policies", "value": 3588, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "2bb3a69d-9a61-4b1c-bea9-81acda2b91a9", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 20705, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "2d379979-87ba-4799-a74f-35c452e3984e", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 21, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "2fe9031c-8e3e-4cdb-b034-3d6653f764e4", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 132, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "3695e28c-c1ca-42d0-8c79-057918b96d55", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 6360, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zurich-kotak/NL_4_Premium_8b438a4c5d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=62,492 vs Grand Total=62492.0)", "source_page": 1 } }, { "id": "3e87c60a-241f-41ca-86b4-7b3f4646a16b", "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": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zurich-kotak/NL_4_Premium_8b438a4c5d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=62,492 vs Grand Total=62492.0)", "source_page": 1 } }, { "id": "40498ca4-70af-49fd-8aec-2d31ebdcbdcc", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 53, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "4d93ed36-7829-4be7-be15-05a5fadb095a", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 106, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "501acdeb-d3d6-4531-8904-85498f0f0d0b", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 126, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "51f963c6-a2ce-4b0c-9a65-990bf252340f", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 11060, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "5341df94-c9ea-4250-ba45-8a96632152bf", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 3788, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "543c0975-8117-41c6-a5e9-a5c349ed1ccd", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -36, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "564f7d9c-f02e-4ec6-8386-026eff104caf", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 102, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "585974c3-124c-44c6-894c-f286bc037c03", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 229, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zurich-kotak/NL_4_Premium_8b438a4c5d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=62,492 vs Grand Total=62492.0)", "source_page": 1 } }, { "id": "591fde19-02e0-409b-b505-15f38bce9729", "metric_id": "distribution.general.channel.direct_business_online.premium", "metric_name": "Direct Business – Online premium", "value": 388, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "5aeec182-9c2c-412e-bf21-5ab38d0ba21e", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 174877, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "5af6dc4e-a3ae-4a55-beab-84df9f4faf76", "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": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zurich-kotak/NL_4_Premium_8b438a4c5d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=62,492 vs Grand Total=62492.0)", "source_page": 1 } }, { "id": "619ec90e-f37a-458a-9bbf-00fbc7723184", "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": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zurich-kotak/NL_4_Premium_8b438a4c5d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=62,492 vs Grand Total=62492.0)", "source_page": 1 } }, { "id": "6209d428-19ee-42b1-922b-2c6b2353bed3", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 46, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "638d8edf-c0d8-46e4-8dc4-7cc10a859944", "metric_id": "financial.claims_paid_to_provisioned_ratio", "metric_name": "claims paid to provisioned ratio", "value": 12, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "67e3bdc2-c21d-4093-8209-ec4edeb71154", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 117050, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "6a9c32be-22db-4752-a8e7-a4d59e50d539", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 32.81, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "70d5081b-4da6-4ea6-af9f-42cdf76017b9", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 3288, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zurich-kotak/NL_4_Premium_8b438a4c5d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=62,492 vs Grand Total=62492.0)", "source_page": 1 } }, { "id": "71e0ad88-3180-4cc2-b0d3-5a12f24919b4", "metric_id": "financial.investment_yield.gross.quarterly", "metric_name": "gross yield (quarterly)", "value": 7.04, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zurich-kotak/NL_31_Investment_and_Investment_Income_0873dd443b.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": "77bbc8c3-2133-4cb2-811b-2d0c0fdc2516", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 73, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "78b6e7ac-7fc9-4336-b5a1-47af70994d9c", "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": "zurich-kotak", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zurich-kotak/NL_30_Non_performing_assets_97a523afab.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": "79c26417-c7c2-429b-b0fa-94f938e21669", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 15038, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "7e43c687-5283-4355-b0ba-74f8c7026821", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 12994, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zurich-kotak/NL_4_Premium_8b438a4c5d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=62,492 vs Grand Total=62492.0)", "source_page": 1 } }, { "id": "83321dcd-7fce-4909-a720-d8cf9db83576", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 1622, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zurich-kotak/NL_4_Premium_8b438a4c5d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=62,492 vs Grand Total=62492.0)", "source_page": 1 } }, { "id": "884b309f-9c09-4142-9e48-b8fbc66663c7", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 118, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "8acc64a0-91d3-4c22-8598-ce66deeccd60", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 42, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "8b22d5fe-79e6-4df9-9098-a755e54a8f4d", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 19221, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zurich-kotak/NL_4_Premium_8b438a4c5d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=62,492 vs Grand Total=62492.0)", "source_page": 1 } }, { "id": "8c359541-b14c-4d18-ac38-1fb08f9c9d64", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 21.89, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "8ce69174-c69d-4eb8-915b-e406a2f28d63", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 85, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "975543f0-19cd-4110-ae17-68dc7a6379d4", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 765, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "99ca9768-c700-4be1-95e4-3d626e0bbacd", "metric_id": "financial.technical_reserves_to_premium_ratio", "metric_name": "technical reserves to premium ratio", "value": 5.39, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "9a08a5e1-0e62-4b72-95bb-3cbf1d4869d7", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 6676, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "9a8f375d-0c1b-4f4a-b4fe-f2f06b2b18f8", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 9, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "9deb6d2e-241e-4a48-a218-00d58352eabc", "metric_id": "financial.investment_yield.net.quarterly", "metric_name": "net yield (quarterly)", "value": 7.04, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zurich-kotak/NL_31_Investment_and_Investment_Income_0873dd443b.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": "a642921b-fa8f-45d5-899d-2fd4a9408838", "metric_id": "distribution.general.channel.micro_agents.premium", "metric_name": "Micro Agents premium", "value": 6, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "a66580f9-902c-4e52-a4f4-4d9d1c99579e", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 24617, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "a873b290-524e-4ab0-9dd6-1cc398ab70ab", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 326637, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "ae051d54-6a8c-40e9-8032-2915071cd9ed", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 222, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "b1aa435f-c7bb-4d10-998b-d6030889db02", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 115, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "b2543897-b5a5-4df4-be07-2c4d51192609", "metric_id": "distribution.general.channel.insurance_marketing_firm.premium", "metric_name": "Insurance Marketing Firm premium", "value": 65, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "b301b707-7319-4ccb-adab-2e83b891e7c7", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 198, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "b644b54a-b893-4bea-bd2d-718081b184fb", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 77, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "b7cc083b-b409-4933-ba74-37b991cc2917", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 970, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zurich-kotak/NL_4_Premium_8b438a4c5d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=62,492 vs Grand Total=62492.0)", "source_page": 1 } }, { "id": "bb0ec2bb-47a3-4840-98a1-32862edd5ebb", "metric_id": "distribution.general.channel.direct_business_online.policies", "metric_name": "Direct Business – Online policies", "value": 4507, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "bf2cf2cd-d3f0-4e2e-a591-c03052023eb9", "metric_id": "distribution.general.channel.misp_direct.policies", "metric_name": "MISP (Direct) policies", "value": 41, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "ca1fac19-b71e-468b-a105-459cf993a68e", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 2022, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "cb39b66c-388a-4f32-936b-8dc7897a1d1e", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 86, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "d1b8cad6-5dac-4d6c-b84b-894d1f881127", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 39676, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d39ec7e7-0872-47df-acd7-37eb3cd7388a", "metric_id": "distribution.general.channel.direct_business_others.premium", "metric_name": "Direct Business – Others premium", "value": 3912, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "d49d8734-a1ca-4b04-bb74-cd901e741e40", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 26, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "d600bf42-0208-4fe5-93c5-89356f4f8a00", "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": "zurich-kotak", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zurich-kotak/NL_30_Non_performing_assets_97a523afab.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": "dc06a618-5e1d-42bf-9ee6-3aab798509f5", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 1807, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zurich-kotak/NL_4_Premium_8b438a4c5d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=62,492 vs Grand Total=62492.0)", "source_page": 1 } }, { "id": "deb899c5-1dd6-4e9a-956e-94b1b5a87dce", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 37.1, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "e067d334-7bf7-4801-9231-4d2c4de08364", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 26983, "unit": "count", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "e3b98f24-8ef9-4d76-b727-eb739dfbaaf7", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": -17, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "e894f4b1-1da7-470e-9099-7275d6265081", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 87, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "e8eb5fad-75dd-4df8-9ec1-ff86caf65973", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": 72, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "f33a8403-e342-49ff-adeb-c458025fd2b7", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": -64.42, "unit": "crore", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "f69a71b5-edc1-4aad-88a8-1457a4e81800", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 624.92, "unit": "crore", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "f85382bf-2fe8-4da7-983b-4d53dae3a79d", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": 7, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "f8d2c27c-bdf3-470c-89a7-4c24ff848e88", "metric_id": "distribution.general.channel.misp_direct.premium", "metric_name": "MISP (Direct) premium", "value": 6, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "f91733fb-cc36-42cb-ad73-6b57b51b7c7a", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": -64.42, "unit": "crore", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-2-B-PL", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "f979506f-fb60-4dd0-958d-474ad483b58e", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 1563, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-36-BUSINESS-CHANNELS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "f9b454d1-fb75-46e5-b6a9-c0fe732ce701", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 63, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "fe9a34a0-9e36-4c22-9adc-3f3617891147", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 150, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "fef3832c-728e-4f30-a26a-b60a0953d809", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 11513, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY26-27", "source_document": "pdfs/zurich-kotak/NL_4_Premium_8b438a4c5d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=62,492 vs Grand Total=62492.0)", "source_page": 1 } }, { "id": "05775dd9-1ef2-473f-bcb9-bbd76f9c70f1", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 190, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "textplor-vendor-2025-26-FY.xlsx minus 9M.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "id": "058f8978-33e7-4fe9-9472-dbdd97741672", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": -22, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "0a632d55-92fb-4ab6-8da3-85d2a51e944e", "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": "zurich-kotak", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zurich-kotak/NL_30_Non_performing_assets_65ac9e97f5.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": "10e173fc-b21e-40c5-aa97-dbcc987eaa23", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 36.58, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "12dd3460-8aa8-458c-95b6-30648c90d690", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 458506, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "14190085-1bff-4a8a-a937-9c983db32b91", "metric_id": "distribution.general.channel.direct_business_others.policies", "metric_name": "Direct Business – Others policies", "value": 2318, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "150f0828-dd01-442e-9ee2-a86ecad32123", "metric_id": "distribution.general.channel.misp_direct.premium", "metric_name": "MISP (Direct) premium", "value": 6, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "1c393bac-575f-4d01-9d97-17a61f00da80", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 21085, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "203ad59f-b35b-498d-bc50-9e516e3552e7", "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": "zurich-kotak", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zurich-kotak/NL_30_Non_performing_assets_65ac9e97f5.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": "23644f34-b628-4b34-9ea3-d87f9232eff5", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 169373, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "2975364e-3d42-4e62-8a02-87d715702f12", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 139, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "2a68b4fd-3aa6-41ca-a7da-9075984bc669", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 41271, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "2e365211-7a33-4a25-b325-e56e562bd9cd", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 50, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "2f7ff349-7c73-4054-8f75-05d01a32e654", "metric_id": "distribution.general.channel.insurance_marketing_firm.premium", "metric_name": "Insurance Marketing Firm premium", "value": 134, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "2ffbf3f2-c020-4475-bded-cec5b7715a4c", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 213, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "3368ca1a-e9b6-48cb-9196-35745ec77c6d", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 188, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 8", "source_page": null } }, { "id": "346cf368-9a7c-4066-8096-8f961c12275c", "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": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_3f9768aa08.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=68,733 vs Grand Total=70830.0)", "source_page": 1 } }, { "id": "346ed319-64a7-439d-b1b1-5e717e14ba57", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 34659, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "39ef58ec-d628-49da-8c5c-d89b3809fa96", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 54, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "3a197ac1-0a17-40e9-b897-785f2b3b28be", "metric_id": "distribution.general.channel.direct_business_online.premium", "metric_name": "Direct Business – Online premium", "value": 493, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "3b52a5d2-bf86-469b-aadb-f99b24ca3516", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": -15, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "3c296b5b-0da2-4924-b54b-f52feffb4bde", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": -19, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "3ca17ba0-b6da-4afe-b36e-d39e52ae0e5b", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -41, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "3dc98c57-b951-4687-9f8a-7496445d7de7", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 89, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "3f6b34ea-473a-4557-aa0e-fdcc3b52f20f", "metric_id": "financial.investment_yield.gross.annualized", "metric_name": "gross yield (annualized)", "value": 7.39, "unit": "%", "reporting_period_label": "FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "FY25-26", "source_document": "pdfs/zurich-kotak/NL_31_Investment_and_Investment_Income_7439ae1bcb.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": "461d09c1-51f5-4fa6-a0ec-bca2290b0fae", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": 12, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "4c14488c-5cb1-419d-85fd-9d1d08ea245c", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 3.15, "unit": "x", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "4ce90b30-2526-4e4f-9288-eeffcbd416d7", "metric_id": "distribution.general.channel.misp_direct.policies", "metric_name": "MISP (Direct) policies", "value": 29, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "4e081ff2-d077-4195-bdde-55051442fc85", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": -8, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "4e0a8641-3ec0-497d-81c8-8205605519dd", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 34, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "4f4cb900-5b78-40b2-b7f1-4b7e0ad7f741", "metric_id": "financial.investment_yield.net.quarterly", "metric_name": "net yield (quarterly)", "value": 7.42, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zurich-kotak/NL_31_Investment_and_Investment_Income_7439ae1bcb.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": "5ada4cf8-7ec1-4599-a535-97df6972ed24", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 155, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "5ddca2d9-18b2-4edb-997d-7be836852da1", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 84, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "5efc3800-2b02-424a-bc71-5ae71f0be5cf", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": -93, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "619bfcc5-bc42-4c70-a67b-04b006f6b758", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 1529, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_3f9768aa08.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=68,733 vs Grand Total=70830.0)", "source_page": 1 } }, { "id": "6461b662-45c1-4f72-9456-e584ac842b4b", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 2454, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "65c82a46-bcdd-45e6-be44-5b8fb3bb54fc", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 2790, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_3f9768aa08.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=68,733 vs Grand Total=70830.0)", "source_page": 1 } }, { "id": "67efaf79-b32d-4947-84da-52708bd22c76", "metric_id": "distribution.general.channel.direct_business_online.policies", "metric_name": "Direct Business – Online policies", "value": 5459, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "6a9977b6-a0df-42c7-be19-55e29e0f5dd0", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 122070, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "6d9ecc81-1d0b-484e-b4aa-7da854a0dd65", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 13647, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_3f9768aa08.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=68,733 vs Grand Total=70830.0)", "source_page": 1 } }, { "id": "727a171b-5551-42ab-aaf6-1bea9c02c8fa", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 25.98, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "7b08bcc8-9bd2-4402-a34e-b7f4ec442d67", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 155, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "7c9efa19-aca9-460d-a7ed-5153ceda7356", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 1352, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "7d3f6491-3e33-440b-a98b-bb226306de4d", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 1675, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "7f9af741-29bb-4e3f-ae56-d2d079655139", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 15249, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "8298db57-915c-4bc8-b088-01dd8d7e50fa", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 142, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "830737be-7a23-42bd-b297-cddeb3b67658", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 94, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_3f9768aa08.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=68,733 vs Grand Total=70830.0)", "source_page": 1 } }, { "id": "8406286d-7fe4-4fce-b9e4-10dfbdb8a13f", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 158425, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "8677182b-2bd9-4347-abd9-5df1daac3e5e", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 14.75, "unit": "INR", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "86d9587e-fe95-498e-85af-b32d6b0bce2e", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 99, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "8c5f9278-7d6a-4a68-935a-11d7dc580611", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": -100.29, "unit": "crore", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "9024b76e-2ffd-4e42-977c-fd3cc4963862", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 96, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "91ff367a-c747-4d80-80ac-6a9a9227d79b", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 29, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "948460ac-3893-44db-97e5-6e7a5f620b1b", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 16349, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_3f9768aa08.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=68,733 vs Grand Total=70830.0)", "source_page": 1 } }, { "id": "957e1f51-f7fa-419a-9f95-b3f5e7ad6034", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 69, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "95ecdbd1-fcc9-4784-87da-ea08f96c9865", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 45, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "9aada8b4-fa6f-4d42-a0a9-600fe4c9ad08", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 84, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "9b805202-a387-4e52-afa4-de60a4286a4f", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 7, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "a21e1f00-6c2a-429d-ae36-30cd164e0e80", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 96, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "a6ee505f-72bc-4784-ae69-cb4d4240ef91", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 142, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "a9bb1b7d-c375-4fc0-846d-33781177ec64", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 121, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "acd73ab2-1142-4cfd-b547-c8a8f58ceafa", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 3412, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_3f9768aa08.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=68,733 vs Grand Total=70830.0)", "source_page": 1 } }, { "id": "afe4af5a-9b3f-49b2-8433-a8498170e148", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 34.22, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "b5ed59e8-bf27-4e1d-b460-1c01a55f2f82", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": 11, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "b653e2c1-91ad-48f8-9ee8-452f604b3849", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 118, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "b8ae9377-8a32-4f26-a0b8-7034b4f253b7", "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": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "b9b0a832-4440-421d-8b5a-9237b08bf437", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 62, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "bb32685a-3f5a-4363-afe7-9ea82b128d9a", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 127, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "bbbecd54-b7cc-457b-991d-ad2865e4d88f", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 2156, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_3f9768aa08.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=68,733 vs Grand Total=70830.0)", "source_page": 1 } }, { "id": "c050b252-e79d-48f5-a36b-67b7b5aeab8e", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 15115, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_3f9768aa08.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=68,733 vs Grand Total=70830.0)", "source_page": 1 } }, { "id": "c2f80f16-f791-477c-8f57-1818b99444f5", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": -100.29, "unit": "crore", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "c6c322af-eda6-4477-83f6-2dee7efac4cf", "metric_id": "financial.investment_yield.net.annualized", "metric_name": "net yield (annualized)", "value": 7.39, "unit": "%", "reporting_period_label": "FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "FY25-26", "source_document": "pdfs/zurich-kotak/NL_31_Investment_and_Investment_Income_7439ae1bcb.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": "caeaffa6-0a6a-4c8a-aecc-00c8bf5c47c0", "metric_id": "distribution.general.channel.micro_agents.policies", "metric_name": "Micro Agents policies", "value": 4, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "ccc48708-2e0b-419d-a156-5381c819a65f", "metric_id": "financial.investment_yield.gross.quarterly", "metric_name": "gross yield (quarterly)", "value": 7.42, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zurich-kotak/NL_31_Investment_and_Investment_Income_7439ae1bcb.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": "d229cebe-bf46-465b-8553-df5714b9b6b1", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 8435, "unit": "count", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "d271d7d3-0c8b-43c3-beeb-40cdf70d1618", "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": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_3f9768aa08.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=68,733 vs Grand Total=70830.0)", "source_page": 1 } }, { "id": "d6fd1826-9235-4fdc-b67f-6b56f76b09ad", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 38, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "d9e6b180-e81e-417c-b5ab-d809655607e2", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 13641, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_3f9768aa08.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=68,733 vs Grand Total=70830.0)", "source_page": 1 } }, { "id": "da20d619-b99c-4cc9-b9f0-214075b1926c", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": -0.93, "unit": "INR", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "e048ea1e-6f0b-45ca-80d1-697474fe983f", "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": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_3f9768aa08.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=68,733 vs Grand Total=70830.0)", "source_page": 1 } }, { "id": "e647223d-9223-45c8-95e8-2ad1ac2d9591", "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": "zurich-kotak", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/zurich-kotak/NL_30_Non_performing_assets_65ac9e97f5.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": "e99978d1-c2db-426d-afa3-394616c263a2", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 38586, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "f103fca8-10ec-4614-9ec6-82c1f6310057", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 41, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_20_Analytical_Ratios_cfb4d17cfd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 8", "source_page": null } }, { "id": "f1b835b7-7bd4-46a2-b1c5-dc884d1f8b0d", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 12319, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "f3c305ec-7eee-4aeb-9151-66e5f3233944", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 4101, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "f7e810e1-256d-478b-816b-7aad8f579c4e", "metric_id": "distribution.general.channel.micro_agents.premium", "metric_name": "Micro Agents premium", "value": 9, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "fa136043-05cd-48f4-961a-f0c492dbda91", "metric_id": "distribution.general.channel.direct_business_others.premium", "metric_name": "Direct Business – Others premium", "value": 8112, "unit": "INR_lakhs", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "zurich-kotak", "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": "048d4943-e222-45d2-8738-86006da17775", "metric_id": "distribution.general.channel.direct_business_others.policies", "metric_name": "Direct Business – Others policies", "value": 5091, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "071425ab-1002-43f5-ac7c-cc6d87bb02e2", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 1160, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_af7aacbe0b.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=51,025 vs Grand Total=51024.0)", "source_page": 1 } }, { "id": "0b26f6e6-181e-4f09-a798-5043676eecdb", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 31827, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "0b2d1a54-f626-4154-9cb9-e751f6fbf69a", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 7664, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "0ba51f25-60bf-47af-8e90-6abdbb773faa", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": -95.6, "unit": "crore", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "0d975e07-7a79-46d7-ada4-a99447f62b31", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_af7aacbe0b.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=51,025 vs Grand Total=51024.0)", "source_page": 1 } }, { "id": "0f087e61-ed99-4645-b88c-9e835f240f7a", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 3735, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "14afbca0-e861-4cae-9748-83918d614e83", "metric_id": "financial.investment_npa.gross_pct", "metric_name": "gross npa ratio", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/zurich-kotak/NL_30_Details_of_Non_Performing_Assets_1766353f59.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": "154ae529-f95c-446e-a179-74479bbae9ba", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 39, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "185bdfac-286f-44ea-9869-9a810645e2da", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 362223, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "193fec67-1bcb-4ba9-8c29-e5a0833eb20f", "metric_id": "distribution.general.channel.micro_agents.premium", "metric_name": "Micro Agents premium", "value": 9, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "1989dd10-24b4-43a0-8023-2c301a8d9389", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 192, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 8", "source_page": null } }, { "id": "1b22973f-6f5f-45ff-9c64-7aaa7dd53822", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 131, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "1d5f339c-f352-4598-b27e-ecd764800c64", "metric_id": "distribution.general.channel.misp_direct.premium", "metric_name": "MISP (Direct) premium", "value": 4, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "2136e1b2-42c0-49d3-ae33-a59e90a6efee", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 75, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "222dee57-67a0-472e-a21e-88c6504a96d5", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -23, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "229200a3-aacc-41db-ac06-0b10315444d2", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 92, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "24a1344f-8474-42c5-a4cc-ed5220b33777", "metric_id": "distribution.general.channel.insurance_marketing_firm.policies", "metric_name": "Insurance Marketing Firm policies", "value": 3301, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "25430513-6f0f-44b8-826a-3d409b840663", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": -95.6, "unit": "crore", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "2669a761-9124-46e1-9b11-54580d92566c", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 153, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "2ac56392-e901-4558-83c8-79bf00f2b145", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 13062, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_af7aacbe0b.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=51,025 vs Grand Total=51024.0)", "source_page": 1 } }, { "id": "2b52395a-0f42-419a-81f9-92bac0f8fa1d", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 19458, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "3151278f-2cbd-403e-9a22-a8fc199e9416", "metric_id": "financial.investment_yield.net.quarterly", "metric_name": "net yield (quarterly)", "value": 8, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/zurich-kotak/NL_31_Statement_of_Investment_and_Income_on_Investment_f408590500.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": "339ab405-a817-46f8-babc-f7662b36e2bc", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 27, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "3518271e-4510-4859-9dd6-5de13d547fd3", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 25, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "35ffb7cb-77c8-46de-b6a4-b4982d606bfb", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 138, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "367b1dd7-feed-49fe-9dc6-9d777f1662fa", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 12970, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "38cfaf19-739b-49ab-af6e-746ec09df623", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 163, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_af7aacbe0b.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=51,025 vs Grand Total=51024.0)", "source_page": 1 } }, { "id": "39df0e86-67ce-4a92-80aa-1b22f5862f52", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 386, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "3e567a19-4efa-48b4-95b2-569a1002c282", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 12169, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_af7aacbe0b.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=51,025 vs Grand Total=51024.0)", "source_page": 1 } }, { "id": "48b7c504-416b-4231-8ae0-c7def9ee770c", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 426, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "4a7ae98d-164c-465f-9d21-61465183c7b2", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": 37, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "4de31006-279b-4a7d-9215-68210f70a9f7", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 16, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "5489e58e-5070-4d72-985e-db90725186c6", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 17.63, "unit": "INR", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "62ae0d99-6df2-441e-b35a-0f0584d8d205", "metric_id": "financial.gross_direct_premium.segment.aviation", "metric_name": "aviation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_af7aacbe0b.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=51,025 vs Grand Total=51024.0)", "source_page": 1 } }, { "id": "62b87a6e-0875-4bcb-80b5-7d5a0fced427", "metric_id": "financial.investment_npa.provision_pct", "metric_name": "npa provision coverage", "value": 0, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/zurich-kotak/NL_30_Details_of_Non_Performing_Assets_1766353f59.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": "64a26d33-888e-44c2-8891-cb82413baa8d", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 33938, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "64b3e0bb-789a-44a4-a531-570ca148601d", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 1902, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_af7aacbe0b.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=51,025 vs Grand Total=51024.0)", "source_page": 1 } }, { "id": "653a10ee-b581-4332-83d5-0148d8e634a4", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 1368, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "6a406c00-4479-4df1-8baa-f807185f0080", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 1401, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_af7aacbe0b.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=51,025 vs Grand Total=51024.0)", "source_page": 1 } }, { "id": "6ec05386-ae73-4351-8655-03fc663b74b8", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 28, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "6ff2b3fe-0131-4d9d-8b32-9f9851b751ba", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 1, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "748a6148-2c1c-4c91-905a-82ab00380463", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": 39, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 8", "source_page": null } }, { "id": "76fd7ab5-212d-466b-b263-4cc1114bdf1b", "metric_id": "claims.settlement_ratio.nonlife.count", "metric_name": "claim settlement ratio", "value": 80.2015, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "", "regulatory_form": "NL-37-CLAIMS-DATA", "reporting_period": "Q3 FY25-26", "source_document": null, "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-37: paid=183590.0, opening_os=10345.0, reported=218566.0 (reported = sum of sub-rows, header row's own total not trusted -- see module docstring)", "source_page": null } }, { "id": "790397bc-d489-4714-a366-36e3f3473c49", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 249, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "7908fa45-50d1-4826-a329-6f0ae3c097e3", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": -8, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "7a3fe206-2af3-4cff-a476-f3e31c16ef42", "metric_id": "distribution.general.channel.direct_business_online.premium", "metric_name": "Direct Business – Online premium", "value": 499, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "7de45c89-d695-4fc4-8364-68b763f867a1", "metric_id": "distribution.general.channel.insurance_marketing_firm.premium", "metric_name": "Insurance Marketing Firm premium", "value": 498, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "7e560dba-8cb4-4e43-88bc-d5a6570c652c", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": -25, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "7eca1cb3-4f13-4924-a015-09f56d9dd27a", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 47, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "9125c6be-324e-4c90-ac02-39fa8a1be51a", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 38, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "9182771c-877c-4599-8adc-3dac0f278c86", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 33, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "92ddbeb9-1bba-4166-8953-df17691a26e3", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 84, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "9aea6483-63a8-422f-b268-93fb3a648ee7", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 120434, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "9fa7ff06-6c5f-446b-a082-8024a5efdff8", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 62, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_af7aacbe0b.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=51,025 vs Grand Total=51024.0)", "source_page": 1 } }, { "id": "a0662ea8-9735-4401-a94d-46a390138b84", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 2133, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_af7aacbe0b.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=51,025 vs Grand Total=51024.0)", "source_page": 1 } }, { "id": "a2002b91-47a0-423b-b4eb-199ebae92346", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 64, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "b38fc459-68d1-479e-be72-5d10046fbc39", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 152813, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "b752bacb-85d0-4cfc-960e-913574b5aa87", "metric_id": "distribution.general.channel.direct_business_others.premium", "metric_name": "Direct Business – Others premium", "value": 2754, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "b8290862-b77c-4ff8-a4bf-2454149a170b", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 68, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "b9307121-29cf-4643-b43c-0cad6d6f6cdc", "metric_id": "financial.investment_npa.gross_amount", "metric_name": "gross npa (amount)", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/zurich-kotak/NL_30_Details_of_Non_Performing_Assets_1766353f59.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": "b9fcbe6f-fdbc-4de4-b35c-8f14fb6aca3f", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 120, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "bb273714-e708-4a37-965b-3fcc22e2baf3", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_af7aacbe0b.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=51,025 vs Grand Total=51024.0)", "source_page": 1 } }, { "id": "bc4d4e97-c680-4657-a3bd-938022b9d68c", "metric_id": "distribution.general.channel.misp_direct.policies", "metric_name": "MISP (Direct) policies", "value": 33, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "bca9bfc9-e86b-478b-98be-26ad96b68c80", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 11900, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "be4765a4-0590-463b-9d19-e3cbd26aa317", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 172465, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "bf0cb245-423c-4eda-b0c9-e0e42f25952c", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 151, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "c594230b-9a7b-4ec8-a27a-8b3c41985dec", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 26852, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "c9d3b92f-1430-4ea3-85bf-5125df1b821d", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 95, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "d08886ef-2f91-4b7e-b624-7bd7b969fa13", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 1754, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_af7aacbe0b.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=51,025 vs Grand Total=51024.0)", "source_page": 1 } }, { "id": "d10ba55f-e9fe-4b8a-8f90-153d4e069adf", "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": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "d77bf3bf-a65e-4007-aa64-4278fe7197c4", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 12295, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_af7aacbe0b.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=51,025 vs Grand Total=51024.0)", "source_page": 1 } }, { "id": "d9143b97-7d09-481b-bec3-f80eeed331ce", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": -39, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "dc1d8983-68f2-4a92-877f-f58a5fa39163", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 4924, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_af7aacbe0b.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=51,025 vs Grand Total=51024.0)", "source_page": 1 } }, { "id": "de51562a-cab2-4962-9ee1-34a8a7b8db20", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 143, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "df81fb68-c5bb-47fa-860c-3bd5a3e55f00", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 146, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "e15770f2-0a64-42c8-93a7-2c052a5de9b2", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 2298, "unit": "INR_lakhs", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "e18968fb-64a2-4560-91cb-db92ca840237", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 160, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "e60d7247-bafd-48dc-826e-aedb6b21b838", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 248, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "e69d83a7-46cf-4c68-a123-8cd738949799", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 0.02, "unit": "INR", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "e8bb6197-bcdf-43fd-af16-00c900df48c0", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 3.61, "unit": "x", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "e9abac1d-3db3-4d01-8021-689e90043857", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 19, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "ed03953e-64e4-41c8-9089-42cb928b5033", "metric_id": "distribution.general.channel.direct_business_online.policies", "metric_name": "Direct Business – Online policies", "value": 5538, "unit": "count", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "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": "fcf6263a-abb9-428d-b871-f6f5e444a6fc", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 83, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "fdbcf9cf-8ec2-4340-8ab6-c17c4a93f1bb", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 8, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_20_Analytical_Ratios_ddb01a241d.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "ffc0607d-5a39-4ae7-a75d-d5fb3429db3f", "metric_id": "financial.investment_yield.gross.quarterly", "metric_name": "gross yield (quarterly)", "value": 8, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q3 FY25-26", "source_document": "pdfs/zurich-kotak/NL_31_Statement_of_Investment_and_Income_on_Investment_f408590500.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": "037282b4-2dfe-462b-a0aa-7afc182f83b3", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": -47.35, "unit": "crore", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "0eb4ddbb-a058-4206-9785-e5e5c99b3992", "metric_id": "financial.investment_npa.provision_pct", "metric_name": "npa provision coverage", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/zurich-kotak/NL_30_Details_of_Non_Performing_Assets_8aa10f7328.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": "1125ab90-3d8e-4efe-8336-b07a52950f12", "metric_id": "distribution.general.channel.misp_direct.policies", "metric_name": "MISP (Direct) policies", "value": 37, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "1b56cf27-60dd-4496-b3c7-a2da729d85be", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 21954, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "1e958a83-16d7-45c5-bee8-94b8d733323d", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 45, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: expense_nwp", "source_page": null } }, { "id": "24b3f9a6-4dd9-4d37-b34f-8f146036219a", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 258, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 8", "source_page": null } }, { "id": "251cf9da-b687-4069-bacf-47c513e3b697", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 154314, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "25530a57-8c7a-4709-9275-64aff254bfd9", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 13182, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "25eb8afb-89c9-4cb9-b255-05a49acb4ec3", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 156, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 6", "source_page": null } }, { "id": "29969b42-f595-4565-9b24-27c9118a33fa", "metric_id": "financial.net_earning_ratio", "metric_name": "net earning ratio", "value": 2, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: net_earning_ratio", "source_page": null } }, { "id": "2a800a94-c520-49f2-9256-a0f2088c9768", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 113, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 8", "source_page": null } }, { "id": "2c2546e5-5d51-4a8f-9a3f-1ab96fb5d618", "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": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: underwriting_balance", "source_page": null } }, { "id": "2dee5b97-bc1e-47b3-90a6-0c68ede79934", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "2efb1501-80cb-42da-98e1-5f19672828c3", "metric_id": "financial.book_value_per_share", "metric_name": "book value per share", "value": 17.62, "unit": "INR", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: book_value_per_share", "source_page": null } }, { "id": "2f0110ec-aa5e-4aea-8466-7d764bd38398", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 110887, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "331078bd-b0c0-4893-abc1-a43ba33cc9bf", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 1848, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_73323098cd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=44,605 vs Grand Total=44605.0)", "source_page": 1 } }, { "id": "33ec1e28-b590-40ba-8424-d1a1ddf4e154", "metric_id": "financial.investment_npa.gross_amount", "metric_name": "gross npa (amount)", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/zurich-kotak/NL_30_Details_of_Non_Performing_Assets_8aa10f7328.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": "35902021-cb7f-461a-b8dd-6ea7414efa6d", "metric_id": "distribution.general.channel.direct_business_online.premium", "metric_name": "Direct Business – Online premium", "value": 276, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "3859e31d-e701-4539-9560-2032380fe85d", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 117, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, health row immediately after label, col 8", "source_page": null } }, { "id": "3a229fc1-e432-4524-8a1d-f24ada33efe3", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 113, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: combined_ratio", "source_page": null } }, { "id": "3a3bda75-cace-43d1-a47b-fb83ca4208b9", "metric_id": "distribution.general.channel.misp_direct.premium", "metric_name": "MISP (Direct) premium", "value": 5, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "4331e4f2-7399-4214-9470-a2f850cd9ba9", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 67, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 8", "source_page": null } }, { "id": "452c8aa3-d7fb-40e8-9baa-c5cbee0d4cd2", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 152814, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "46d4ceea-c6ed-4c07-bb71-7375dc8d3bcb", "metric_id": "financial.investment_yield.net.quarterly", "metric_name": "net yield (quarterly)", "value": 7.7, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/zurich-kotak/NL_31_Statement_of_Investment_and_Income_on_Investment_4611606a1f.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": "48e54f8f-dada-4dea-a7df-2f72f975ef03", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "4b57762f-9797-4a66-a848-eb026a03ae3c", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": -10, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 8", "source_page": null } }, { "id": "4eebd42a-3c8c-4acb-a939-a9d35920a0c3", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 3208, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_73323098cd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=44,605 vs Grand Total=44605.0)", "source_page": 1 } }, { "id": "504d1abe-d6fa-483d-baa2-41636f7f878b", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_73323098cd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=44,605 vs Grand Total=44605.0)", "source_page": 1 } }, { "id": "52dbc55a-5680-4708-a874-011e7714e2e6", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 219, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 8", "source_page": null } }, { "id": "581ec80b-601b-4758-aa5c-b4dd07f3672c", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 72, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: net_retention", "source_page": null } }, { "id": "58ed7edc-c4e8-403f-81aa-52d6ad062e96", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 2181, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "5ae94c93-49c0-4d07-96d3-298736a92f52", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 71, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, motor_tp row immediately after label, col 6", "source_page": null } }, { "id": "5c324b0f-0b37-43b2-8680-2248cc88a7a8", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": -47.35, "unit": "crore", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "5f978022-0256-4f5e-8a51-ab3a13dfdb87", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 81, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 6", "source_page": null } }, { "id": "5fec3d18-7998-4e90-a584-6acdce28ee7f", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 14482, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_73323098cd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=44,605 vs Grand Total=44605.0)", "source_page": 1 } }, { "id": "60115004-10b1-4055-8031-1a45a2995e03", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": 399, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: networth_growth_rate", "source_page": null } }, { "id": "685f919d-05f1-4430-950e-c7452c79584d", "metric_id": "distribution.general.channel.direct_business_others.policies", "metric_name": "Direct Business – Others policies", "value": 4027, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "6e1efdfe-8329-4d35-862b-8d6880890bc2", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 10543, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_73323098cd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=44,605 vs Grand Total=44605.0)", "source_page": 1 } }, { "id": "74e3c2a4-4e5f-472c-810c-e44b240dda6e", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 1326, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_73323098cd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=44,605 vs Grand Total=44605.0)", "source_page": 1 } }, { "id": "765a477c-b9ad-4063-acfc-80dcd3800151", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 16, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, personal_accident row immediately after label, col 6", "source_page": null } }, { "id": "7a167211-f4d6-47b2-a535-b4579a473a2e", "metric_id": "financial.investment_yield.gross.quarterly", "metric_name": "gross yield (quarterly)", "value": 7.7, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/zurich-kotak/NL_31_Statement_of_Investment_and_Income_on_Investment_4611606a1f.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": "7d3a6c84-ca20-4562-bcc2-ede3a93af720", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 40, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: gdp_growth_rate", "source_page": null } }, { "id": "7db583e3-8d3d-422f-94ab-39cd165e2a32", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 11676, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_73323098cd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=44,605 vs Grand Total=44605.0)", "source_page": 1 } }, { "id": "8007d6c1-5874-49ff-8475-ae98c74078a3", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 622, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_73323098cd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=44,605 vs Grand Total=44605.0)", "source_page": 1 } }, { "id": "805cfff7-ebeb-48e5-a8ca-46806c86b837", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 155, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 8", "source_page": null } }, { "id": "80e81880-6d13-4b16-951e-a035f2931f5e", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": 7, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "81978876-da41-4ee1-b66e-d970bd412017", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 26, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: gdp_to_networth_ratio", "source_page": null } }, { "id": "89e93cb3-a49f-42af-8165-3f6d548eafd6", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 83, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_73323098cd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=44,605 vs Grand Total=44605.0)", "source_page": 1 } }, { "id": "8bcf13aa-7770-4282-a566-a7e2a9b04dce", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "8d7bd19d-eada-4a2a-90f8-c765e9cd1cdf", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 128, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, travel row immediately after label, col 8", "source_page": null } }, { "id": "91859e94-e490-46e1-856c-512b12f1b5fd", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 16069, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "949aaf23-0d06-48bf-bc41-aa0a45bd3fc5", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 19, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: net_commission_ratio", "source_page": null } }, { "id": "9614c458-1e6a-4ef1-ab70-1b7cf931680f", "metric_id": "distribution.general.channel.direct_business_others.premium", "metric_name": "Direct Business – Others premium", "value": 3048, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "96295a89-8b65-438c-89e2-d883df0d6790", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 28392, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "983b648b-7d0a-4a08-9bbd-73011c618d18", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": 708, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 8", "source_page": null } }, { "id": "9a8ad1af-3ae8-4872-8fa5-907927966125", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 268, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, marine_cargo row immediately after label, col 8", "source_page": null } }, { "id": "9a8ae3ad-8623-4b49-a3f6-0b2ce215ce02", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 39, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "id": "9f14638a-884b-4232-91dc-f36dd49d0fe4", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 257552, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "a4a98a3c-ef00-4cfb-b9a2-edf2352ab112", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 418, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_73323098cd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=44,605 vs Grand Total=44605.0)", "source_page": 1 } }, { "id": "a6399dcd-dee5-4a01-b89f-63ad6196c432", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 347, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_73323098cd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=44,605 vs Grand Total=44605.0)", "source_page": 1 } }, { "id": "a7a9349e-ad30-4872-8d53-b96f00177962", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 6542, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "a99df0a5-6c48-4431-b394-661df216a068", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 88, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "ac518648-a19b-4095-8b75-19a416524f26", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 2634, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "accf796e-e83a-4769-a2eb-211c6db73000", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 126, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, engineering row immediately after label, col 6", "source_page": null } }, { "id": "b293e573-66ea-4c31-bf7c-34a1ccaddce5", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 8, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: investment_income_ratio", "source_page": null } }, { "id": "b7ad3a5a-bef4-494a-827c-ab8630553b40", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": -20, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, liability row immediately after label, col 6", "source_page": null } }, { "id": "bcbd4798-c840-401f-9247-deff255f96ed", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 1307, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "c6b83f43-bb9b-4c80-a04f-6433b2fcc53b", "metric_id": "financial.investment_npa.gross_pct", "metric_name": "gross npa ratio", "value": 0, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/zurich-kotak/NL_30_Details_of_Non_Performing_Assets_8aa10f7328.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": "ca45d729-ec42-4f80-b1c8-9d27f9db44aa", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 68, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: icr", "source_page": null } }, { "id": "d7b71125-c52a-4a6e-a136-3d2c6c8e6089", "metric_id": "financial.gross_direct_premium.segment.aviation", "metric_name": "aviation segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_73323098cd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=44,605 vs Grand Total=44605.0)", "source_page": 1 } }, { "id": "d8f19025-39f8-4544-8234-b42d2abb5c39", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 87, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, health row immediately after label, col 6", "source_page": null } }, { "id": "de0c46dd-c0f4-423e-a57f-8edea2391897", "metric_id": "distribution.general.channel.micro_agents.premium", "metric_name": "Micro Agents premium", "value": 10, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "e8b763ed-9a3c-4f5e-bcc0-c04e26818171", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 9567, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "eb2bffda-6b7e-42cf-a6d0-84ea372dd5e6", "metric_id": "financial.gross_direct_premium.segment.marine_hull", "metric_name": "marine hull segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_73323098cd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=44,605 vs Grand Total=44605.0)", "source_page": 1 } }, { "id": "ee8e74ba-64c4-4b22-a0e3-3b3d6ad6eca7", "metric_id": "financial.earnings_per_share", "metric_name": "earnings per share", "value": 0.08, "unit": "INR", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: eps", "source_page": null } }, { "id": "efcf19d5-a3f4-4514-a53f-3e96540bf9f1", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 94, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, motor_od row immediately after label, col 6", "source_page": null } }, { "id": "f069dc06-92a8-4720-8b8d-256cfcde4808", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 117, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, fire row immediately after label, col 6", "source_page": null } }, { "id": "f0793aae-5cea-4d82-902e-a3dbcc7d82b7", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": -6, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 row-format label match: operating_profit_ratio", "source_page": null } }, { "id": "f198d495-bfb8-4f62-8fd8-3f65a069f8da", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 30250, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "f2087aec-268a-4301-b586-4eb88c7e01c8", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 52, "unit": "INR_lakhs", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_Net_73323098cd.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=44,605 vs Grand Total=44605.0)", "source_page": 1 } }, { "id": "f5357f5e-d226-4d15-8615-6a796916c3ac", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": -79, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_20_Analytical_Ratios_7f02ea48b1.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-27", "extraction_note": "NL-20 segmental table, workmens_compensation row immediately after label, col 6", "source_page": null } }, { "id": "f6dfe282-3864-472d-8c40-f2fbfa4b3842", "metric_id": "distribution.general.channel.direct_business_online.policies", "metric_name": "Direct Business – Online policies", "value": 2994, "unit": "count", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "fc0edaec-4981-45db-b6c8-871c80ccf17a", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 4.33, "unit": "x", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zurich-kotak", "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": "053c41e4-80d5-4890-a1c8-9210acc124b3", "metric_id": "financial.combined_ratio.segment.health", "metric_name": "health combined ratio", "value": 117, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "0e66621d-4630-4480-bf8a-3ed5b12e2695", "metric_id": "financial.gross_direct_premium.segment.health", "metric_name": "health segment premium", "value": 27278, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_NET_8babbb1f64.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=57,412 vs Grand Total=57412.0)", "source_page": 1 } }, { "id": "0e89bd9e-01ad-4687-aaa2-b9a6dc55340f", "metric_id": "financial.profit_before_tax", "metric_name": "profit before tax", "value": -35.31, "unit": "crore", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "10e87b70-ef89-4bd5-9cef-e6dbafcec2b4", "metric_id": "financial.gross_direct_premium.segment.workmens_compensation", "metric_name": "workmen's compensation segment premium", "value": 63, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_NET_8babbb1f64.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=57,412 vs Grand Total=57412.0)", "source_page": 1 } }, { "id": "11dbd4f0-0a6c-46c2-a6c4-7b716bc6a9f2", "metric_id": "financial.gross_direct_premium.segment.travel", "metric_name": "travel segment premium", "value": 38, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_NET_8babbb1f64.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=57,412 vs Grand Total=57412.0)", "source_page": 1 } }, { "id": "12dc957d-f580-40cf-8c23-703957dbc6e1", "metric_id": "financial.incurred_claim_ratio.segment.travel", "metric_name": "travel incurred claims ratio", "value": 25, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "144176e6-61a4-44b3-b664-41d15e9959e5", "metric_id": "financial.combined_ratio.segment.liability", "metric_name": "liability combined ratio", "value": -536, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "150247f7-907a-480f-a172-ff0f48fec77b", "metric_id": "financial.operating_profit_ratio", "metric_name": "operating profit ratio", "value": -18, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "1bff3089-0814-4dc6-bd31-e49890e69e4a", "metric_id": "financial.combined_ratio.segment.engineering", "metric_name": "engineering combined ratio", "value": 160, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "1c5f87c2-70bd-4976-bbce-1cbd8c48ed6f", "metric_id": "distribution.general.channel.micro_agents.policies", "metric_name": "Micro Agents policies", "value": 0, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "251edf62-c774-4999-8cbc-b2737b6237e2", "metric_id": "financial.combined_ratio.segment.motor_od", "metric_name": "motor od combined ratio", "value": 145, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "282f26ce-cf11-428c-83ee-f3ed2924252d", "metric_id": "financial.investment_income_ratio", "metric_name": "investment income ratio", "value": 8, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "29a72ad4-37f1-4c0a-9029-95ef6b60d8f8", "metric_id": "financial.combined_ratio.segment.travel", "metric_name": "travel combined ratio", "value": 76, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "2a97ab7e-a7e3-4650-ae13-337ca42a7640", "metric_id": "distribution.general.channel.corporate_agents_banks.premium", "metric_name": "Corporate Agents – Banks premium", "value": 10711, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "2b9ad87f-627f-4051-a7ad-59ea25a50242", "metric_id": "financial.profit_after_tax", "metric_name": "profit after tax", "value": -35.31, "unit": "crore", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "2d0ae257-373c-4151-b986-569bb5715931", "metric_id": "financial.solvency_ratio", "metric_name": "solvency ratio", "value": 4.84, "unit": "x", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "2e29a806-04cf-4294-b555-b73fea860116", "metric_id": "distribution.general.channel.direct_business_others.policies", "metric_name": "Direct Business – Others policies", "value": 2268, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "2e8825dd-3fb8-4cbf-8107-5c482de5beaa", "metric_id": "distribution.general.channel.pos_direct.policies", "metric_name": "Point of Sales Person (Direct) policies", "value": 15861, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "2fd6b990-cc6e-4645-b111-ec099f1dbf22", "metric_id": "financial.incurred_claim_ratio.segment.personal_accident", "metric_name": "personal accident incurred claims ratio", "value": 18, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "308fc8e4-2737-4745-9ff6-c81e1ea3006f", "metric_id": "financial.underwriting_balance_ratio", "metric_name": "underwriting balance ratio", "value": -31, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "36028156-1a35-4297-9963-9263d03dcaf6", "metric_id": "financial.technical_reserves_to_premium_ratio", "metric_name": "technical reserves to premium ratio", "value": 4.63, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "3a6c5d9d-9837-4847-8059-9e89a259b3e1", "metric_id": "distribution.general.channel.pos_direct.premium", "metric_name": "Point of Sales Person (Direct) premium", "value": 2545, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "3c581898-05aa-44a6-800f-c7d7b89cccab", "metric_id": "distribution.general.channel.micro_agents.premium", "metric_name": "Micro Agents premium", "value": 13, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "3c69e420-1b56-47e6-9fdc-6c7fc7672193", "metric_id": "distribution.general.channel.brokers.premium", "metric_name": "Brokers premium", "value": 36130, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "3e6589e0-bd9f-49b8-8489-2f684f70f2ab", "metric_id": "financial.networth_growth_rate", "metric_name": "net worth growth rate", "value": -3, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "40ae0a65-73c6-4416-a6e4-ce07f3ef1f7e", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 122, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "434aaa68-3e59-45df-be12-6ee6d7d12318", "metric_id": "distribution.general.channel.corporate_agents_others.policies", "metric_name": "Corporate Agents – Others policies", "value": 27325, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "446478fc-e9e8-46b6-a1d2-0bae704154cf", "metric_id": "financial.investment_mix.segment.infrastructure_housing", "metric_name": "infrastructure & housing", "value": 155366, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "45cfcfe7-d630-49ff-afbb-29049482602c", "metric_id": "financial.investment_mix.segment.debentures_bonds", "metric_name": "debentures & bonds", "value": 118437, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "461aedfa-1a83-460b-bbd3-89e21e2d480c", "metric_id": "distribution.general.channel.individual_agents.premium", "metric_name": "Individual Agents premium", "value": 1383, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "4633f12f-95dc-4720-b836-f82273909cab", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 9887, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_NET_8babbb1f64.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=57,412 vs Grand Total=57412.0)", "source_page": 1 } }, { "id": "4b84bffb-368a-4b3b-af0f-decffdf9ab64", "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": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_NET_8babbb1f64.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=57,412 vs Grand Total=57412.0)", "source_page": 1 } }, { "id": "4cba7cb0-3ec9-4f3b-a30d-209a8715b325", "metric_id": "distribution.general.channel.misp_direct.premium", "metric_name": "MISP (Direct) premium", "value": 12, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "4f284348-21f9-43a9-82c3-99c2e9316689", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 4492, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_NET_8babbb1f64.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=57,412 vs Grand Total=57412.0)", "source_page": 1 } }, { "id": "4fe2b6a1-d97e-41e0-b431-a74778fd0e23", "metric_id": "financial.gdp_to_networth_ratio", "metric_name": "gross direct premium to net worth ratio", "value": 31, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md. | Corrected 2026-10-26: unit-convention fix. IRDAI NL-20's 'Gross Direct Premium to Net Worth' row is filed industry-wide as a raw multiple (times), not a percentage -- confirmed against 7 insurers' own official PDFs (Reliance General, Cholamandalam MS, New India Assurance, Agriculture Insurance, National Insurance, Oriental Insurance all print the bare multiple, no % sign; only Generali Central's own form already prints a true percentage). Site declares this metric's unit as %, so multiplied by 100 to match.", "source_page": null } }, { "id": "5048219d-248e-4ab0-a4bc-86fca0d36dc0", "metric_id": "financial.investment_npa.gross_amount", "metric_name": "gross npa (amount)", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zurich-kotak/NL_30_NPA_31822809c7.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": "5ab97eb9-baec-4ee4-9db2-a379d41e2718", "metric_id": "financial.combined_ratio.segment.marine_cargo", "metric_name": "marine cargo combined ratio", "value": 150, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "5c0cf4d0-07a7-4c7e-9ab1-f4cbf6e54051", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 11754, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_NET_8babbb1f64.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=57,412 vs Grand Total=57412.0)", "source_page": 1 } }, { "id": "5d6dd58a-162d-4689-a03f-c335d6e78ea6", "metric_id": "financial.investment_exposure.central_govt_securities_pct", "metric_name": "central govt. securities", "value": 23.69, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "5f08edd9-b0d9-4a36-a9b1-fc87c4ae8aa8", "metric_id": "financial.expense_ratio.nonlife.nwp", "metric_name": "expense ratio", "value": 38, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "64a18d64-94f0-4b55-9681-7d3f5e940094", "metric_id": "financial.investment_exposure.housing_infra_pct", "metric_name": "housing & infrastructure", "value": 36.36, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "68d6542b-6116-4b81-94fd-02423fa6c12a", "metric_id": "distribution.general.channel.direct_business_online.premium", "metric_name": "Direct Business – Online premium", "value": 378, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "6d1e7757-2162-4b24-82cf-ba24b717121a", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 34, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "6e6ceeee-f61d-43e4-94a1-a228d45f6a18", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 1459, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_NET_8babbb1f64.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=57,412 vs Grand Total=57412.0)", "source_page": 1 } }, { "id": "7149baed-191e-45d5-b6c9-fdd522123594", "metric_id": "financial.claims_paid_to_provisioned_ratio", "metric_name": "claims paid to provisioned ratio", "value": 11, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "73c9ecf0-4f1b-47a2-ad60-ff8b8583914e", "metric_id": "financial.incurred_claim_ratio.segment.motor_tp", "metric_name": "motor tp incurred claims ratio", "value": 69, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "78e2a143-a1d0-4dcd-91dc-3d59c674d81e", "metric_id": "financial.incurred_claim_ratio.segment.engineering", "metric_name": "engineering incurred claims ratio", "value": 79, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "7a5302b8-a157-481c-bd60-352e12e1bde6", "metric_id": "financial.investment_exposure.govt_and_approved_securities_pct", "metric_name": "govt + approved securities", "value": 33.7, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "82b2a1f5-25e9-48bc-a3ab-75cc65326f51", "metric_id": "financial.gross_written_premium", "metric_name": "gross written premium", "value": 574.12, "unit": "crore", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "880e858c-169f-41fe-9167-d1a897fab297", "metric_id": "financial.incurred_claim_ratio.segment.health", "metric_name": "health incurred claims ratio", "value": 86, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "88d9be69-2d30-4888-bf7e-fe14540de4e1", "metric_id": "distribution.general.channel.direct_business_online.policies", "metric_name": "Direct Business – Online policies", "value": 4208, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "89a88493-3b4a-4a8b-ad4d-a0a238a4c073", "metric_id": "financial.combined_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation combined ratio", "value": -27, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "8a03c2bd-32fc-4f62-9f5a-78968ab2eecb", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 82, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "963fc28f-293d-4ac3-a25d-7cc320c2befc", "metric_id": "distribution.general.channel.misp_direct.policies", "metric_name": "MISP (Direct) policies", "value": 72, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "978e64be-a70e-4856-b14e-c7d4eb9d68c2", "metric_id": "distribution.general.channel.corporate_agents_banks.policies", "metric_name": "Corporate Agents – Banks policies", "value": 26455, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "9bc7575e-11d5-4fb4-936a-e20ed2e67b90", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 622, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_NET_8babbb1f64.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=57,412 vs Grand Total=57412.0)", "source_page": 1 } }, { "id": "9c30177e-fa24-4d56-94fa-1cd29ac47fdb", "metric_id": "financial.investment_mix.segment.government_securities", "metric_name": "government securities", "value": 144019, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "9dd7762e-0a4c-4486-9a24-5028b76534e6", "metric_id": "financial.incurred_claim_ratio.segment.workmens_compensation", "metric_name": "workmen's compensation incurred claims ratio", "value": -89, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "9e7ce844-b12b-416d-9417-9072dda9d0d1", "metric_id": "distribution.general.channel.direct_business_others.premium", "metric_name": "Direct Business – Others premium", "value": 2983, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "a1270bf0-f91f-4338-abf6-c53afba2396a", "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": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_NET_8babbb1f64.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=57,412 vs Grand Total=57412.0)", "source_page": 1 } }, { "id": "a272a48a-4452-42a2-ad0a-54257ae34fe5", "metric_id": "distribution.general.channel.individual_agents.policies", "metric_name": "Individual Agents policies", "value": 6638, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "a968b278-c312-477b-b389-e7511c723e16", "metric_id": "financial.gdp_growth_rate", "metric_name": "gross direct premium growth rate", "value": 32, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "ab5fec13-53d5-4243-b399-97d722b61e2f", "metric_id": "financial.gross_direct_premium.segment.engineering", "metric_name": "engineering segment premium", "value": 530, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_NET_8babbb1f64.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=57,412 vs Grand Total=57412.0)", "source_page": 1 } }, { "id": "b0f39198-c3ea-4884-b5b2-1f7e379009a8", "metric_id": "distribution.general.channel.web_aggregators.policies", "metric_name": "Web Aggregators policies", "value": 38, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "b2fb6b1f-2800-4aa4-9d1d-d33437e4e629", "metric_id": "distribution.general.channel.web_aggregators.premium", "metric_name": "Web Aggregators premium", "value": 9, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "bd3a87f5-6eb1-46d3-9ae7-196997ca42f0", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 83, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "bf454b6a-6a2e-4323-b718-9c2bb59e99f5", "metric_id": "financial.combined_ratio.segment.motor_tp", "metric_name": "motor tp combined ratio", "value": 110, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "c49a1ca8-b5e6-44c8-a085-7067fb4c0e56", "metric_id": "financial.incurred_claim_ratio.segment.motor_od", "metric_name": "motor od incurred claims ratio", "value": 98, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "c88f7fb9-088f-48ac-b882-6073eea1c1ee", "metric_id": "financial.incurred_claim_ratio.segment.liability", "metric_name": "liability incurred claims ratio", "value": -5, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "cd3eda30-f988-46b0-973c-746863137a5e", "metric_id": "financial.incurred_claim_ratio.segment.fire", "metric_name": "fire incurred claims ratio", "value": 218, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "d0e88641-808c-41f5-84a2-f04f7705d831", "metric_id": "financial.investment_yield.net.quarterly", "metric_name": "net yield (quarterly)", "value": 7.68, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zurich-kotak/NL_31_Statement_of_Invt_and_Invt_Inc_8f7db1bc50.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": "d93ca2d6-ed8c-4409-a3ab-59701c3e092f", "metric_id": "distribution.general.channel.corporate_agents_others.premium", "metric_name": "Corporate Agents – Others premium", "value": 3249, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "da9398ec-f203-4960-bda1-21b2e96f1064", "metric_id": "financial.gross_direct_premium.segment.liability", "metric_name": "liability segment premium", "value": 74, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_NET_8babbb1f64.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=57,412 vs Grand Total=57412.0)", "source_page": 1 } }, { "id": "dd670e4d-8053-4a2a-b291-d2b0056bd7d8", "metric_id": "financial.incurred_claim_ratio.segment.marine_cargo", "metric_name": "marine cargo incurred claims ratio", "value": 55, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "dda830d0-cb8f-4f52-9f8e-27dd8a153619", "metric_id": "financial.combined_ratio.segment.personal_accident", "metric_name": "personal accident combined ratio", "value": 72, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "de126384-0804-4245-83a7-2c43277272ed", "metric_id": "financial.investment_yield.gross.quarterly", "metric_name": "gross yield (quarterly)", "value": 7.68, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zurich-kotak/NL_31_Statement_of_Invt_and_Invt_Inc_8f7db1bc50.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": "def3b6c4-9d0c-475c-bee4-e9a496bf28bf", "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": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_NET_8babbb1f64.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=57,412 vs Grand Total=57412.0)", "source_page": 1 } }, { "id": "dfc00d4c-dd0c-403f-a036-b206b67c3e6f", "metric_id": "financial.net_commission_ratio", "metric_name": "net commission ratio", "value": 15, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "e129934f-165f-4751-a62f-2cc8c8b9d90c", "metric_id": "financial.gross_direct_premium.segment.other", "metric_name": "other segment premium", "value": 1215, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zurich-kotak/NL_4_Premium_Earned_NET_8babbb1f64.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-25", "extraction_note": "NL-4 segment GDP, for the quarter (sum=57,412 vs Grand Total=57412.0)", "source_page": 1 } }, { "id": "e85bfa90-ceb8-4048-a3d6-e4fa3fdf1708", "metric_id": "financial.investment_mix.segment.other_investments", "metric_name": "other investments", "value": 5330, "unit": "INR_lakhs", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "e8a14af2-1001-4455-9af4-fe4eac5f39fd", "metric_id": "distribution.general.channel.brokers.policies", "metric_name": "Brokers policies", "value": 237744, "unit": "count", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "f1f950ad-282e-4e08-853f-223fd7f8d36c", "metric_id": "financial.combined_ratio.segment.fire", "metric_name": "fire combined ratio", "value": 285, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "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": "f6aa5a46-231a-42cc-b19f-908eae25d35c", "metric_id": "financial.investment_npa.provision_pct", "metric_name": "npa provision coverage", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zurich-kotak/NL_30_NPA_31822809c7.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": "fcbe93b0-dc8e-4047-8cfd-611a7d32db7a", "metric_id": "financial.investment_npa.gross_pct", "metric_name": "gross npa ratio", "value": 0, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q1 FY25-26", "source_document": "pdfs/zurich-kotak/NL_30_NPA_31822809c7.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": "01521ea3-c4d1-490b-b379-ed716e674c27", "metric_id": "financial.gross_direct_premium.segment.personal_accident", "metric_name": "personal accident segment premium", "value": 7364, "unit": "INR_lakhs", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Zurich Kotak General Insurance", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "FY24-25", "source_document": "Derived: sum of FY24-25 Q1-Q4 already-approved quarterly facts", "source_url": null, "extracted_by": "derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-25", "extraction_note": "Annual personal_accident = sum of 4 standalone quarterly facts (2024-06-30, 2024-09-30, 2024-12-31, 2025-03-31), not a separate IRDAI annual filing -- this metric is additive (premium/policies written per quarter), unlike a ratio.", "source_page": null } }, { "id": "03cf5c93-d75e-4bc5-a5d0-c7403e1b38ca", "metric_id": "claims.settlement_ratio.nonlife.count", "metric_name": "claim settlement ratio", "value": 81.7859, "unit": "%", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "irdai", "regulatory_form": "Handbook-Table-53", "reporting_period": "FY24-25", "source_document": "IRDAI Handbook Table 53", "source_url": null, "extracted_by": null, "last_verified": "2026-09-19", "extraction_note": null, "source_page": null } }, { "id": "1792966b-f29e-4c37-aef6-53d5475f0849", "metric_id": "financial.investment_yield.gross.annualized", "metric_name": "gross yield (annualized)", "value": 7.35, "unit": "%", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "FY24-25", "source_document": "pdfs/zurich-kotak/NL_31_Stat_of_Inv_and_Inv_Inc_51a735fe3e.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": "2d7f8c0e-de92-456e-921e-2e0f74fd2750", "metric_id": "financial.investment_npa.provision_pct", "metric_name": "npa provision coverage", "value": 0, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-30-NON-PERFORMING-ASSETS", "reporting_period": "Q4 FY24-25", "source_document": "pdfs/zurich-kotak/NL_30_NPA_6bae556fdb.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": "2ee6950f-88d3-4bcd-b373-4376e7031d1f", "metric_id": "financial.gross_direct_premium.segment.crop", "metric_name": "crop insurance segment premium", "value": 0, "unit": "INR_lakhs", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Zurich Kotak General Insurance", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "FY24-25", "source_document": "Derived: sum of FY24-25 Q1-Q4 already-approved quarterly facts", "source_url": null, "extracted_by": "derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-25", "extraction_note": "Annual crop = sum of 4 standalone quarterly facts (2024-06-30, 2024-09-30, 2024-12-31, 2025-03-31), not a separate IRDAI annual filing -- this metric is additive (premium/policies written per quarter), unlike a ratio.", "source_page": null } }, { "id": "3b7cb8bb-100d-42fe-92fa-a3d701a4762d", "metric_id": "financial.gross_direct_premium.segment.fire", "metric_name": "fire segment premium", "value": 8862, "unit": "INR_lakhs", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Zurich Kotak General Insurance", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "FY24-25", "source_document": "Derived: sum of FY24-25 Q1-Q4 already-approved quarterly facts", "source_url": null, "extracted_by": "derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-25", "extraction_note": "Annual fire = sum of 4 standalone quarterly facts (2024-06-30, 2024-09-30, 2024-12-31, 2025-03-31), not a separate IRDAI annual filing -- this metric is additive (premium/policies written per quarter), unlike a ratio.", "source_page": null } }, { "id": "47d9ef85-6b62-41b5-bcfc-285799d1900d", "metric_id": "financial.combined_ratio", "metric_name": "combined ratio", "value": 123, "unit": "%", "reporting_period_label": "Q4 FY24-25", 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"last_verified": "2026-10-25", "extraction_note": "Annual workmens_compensation = sum of 4 standalone quarterly facts (2024-06-30, 2024-09-30, 2024-12-31, 2025-03-31), not a separate IRDAI annual filing -- this metric is additive (premium/policies written per quarter), unlike a ratio.", "source_page": null } }, { "id": "4a95b7a0-3dca-4a5a-9bc2-06af5f6e6ea7", "metric_id": "financial.incurred_claim_ratio.net", "metric_name": "incurred claims ratio", "value": 84, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "zurich-kotak", "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: icr", "source_page": null } }, { "id": "4fd9a4d5-d373-4b2b-8c73-f839fbf30d55", "metric_id": 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"id": "7ac4220a-d0b9-4b85-89a1-7ddb3546ce3e", "metric_id": "financial.gross_direct_premium.segment.marine_cargo", "metric_name": "marine cargo segment premium", "value": 1546, "unit": "INR_lakhs", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Zurich Kotak General Insurance", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "FY24-25", "source_document": "Derived: sum of FY24-25 Q1-Q4 already-approved quarterly facts", "source_url": null, "extracted_by": "derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-25", "extraction_note": "Annual marine_cargo = sum of 4 standalone quarterly facts (2024-06-30, 2024-09-30, 2024-12-31, 2025-03-31), not a separate IRDAI annual filing -- this metric is additive (premium/policies written per quarter), unlike a ratio.", "source_page": null } }, { "id": "81c521d9-a508-4d1c-b316-2bbe8ca8409f", "metric_id": "financial.solvency_ratio", "metric_name": "solvency 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"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": "b763dd6c-7364-4ccb-a074-4edc66633de4", "metric_id": "financial.expense_ratio.nonlife.gdp", "metric_name": "expense ratio to gross premium", "value": 41, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "zurich-kotak", "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_gdp", "source_page": null } }, { "id": "b7fa8536-fcfc-4d82-9ecc-ed660a4e7946", "metric_id": "financial.investment_yield.net.quarterly", "metric_name": "net yield (quarterly)", "value": 8.19, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-31-INVESTMENT-INCOME", "reporting_period": "Q4 FY24-25", "source_document": "pdfs/zurich-kotak/NL_31_Stat_of_Inv_and_Inv_Inc_51a735fe3e.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": "bca42479-2e08-4071-bbad-1218c81a68c2", "metric_id": "financial.gross_direct_premium.segment.motor_od", "metric_name": "motor OD segment premium", "value": 59256, "unit": "INR_lakhs", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Zurich Kotak General Insurance", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "FY24-25", "source_document": "Derived: sum of FY24-25 Q1-Q4 already-approved quarterly facts", "source_url": null, "extracted_by": "derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-25", "extraction_note": "Annual motor_od = sum of 4 standalone quarterly facts (2024-06-30, 2024-09-30, 2024-12-31, 2025-03-31), not a separate IRDAI annual filing -- this metric is additive (premium/policies written per quarter), unlike a ratio.", "source_page": null } }, { "id": "be0831da-9419-4543-b6ff-118fdd33904a", "metric_id": "financial.gross_direct_premium.segment.motor_tp", "metric_name": "motor TP segment premium", "value": 41526, "unit": "INR_lakhs", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Zurich Kotak General Insurance", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "FY24-25", "source_document": "Derived: sum of FY24-25 Q1-Q4 already-approved quarterly facts", "source_url": null, "extracted_by": "derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-25", "extraction_note": "Annual motor_tp = sum of 4 standalone quarterly facts (2024-06-30, 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"INR_lakhs", "reporting_period_label": "FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "Zurich Kotak General Insurance", "regulatory_form": "NL-4-PREMIUM-SCHEDULE", "reporting_period": "FY24-25", "source_document": "Derived: sum of FY24-25 Q1-Q4 already-approved quarterly facts", "source_url": null, "extracted_by": "derive_annual_from_quarters.py (27 Oct 2026)", "last_verified": "2026-10-25", "extraction_note": "Annual engineering = sum of 4 standalone quarterly facts (2024-06-30, 2024-09-30, 2024-12-31, 2025-03-31), not a separate IRDAI annual filing -- this metric is additive (premium/policies written per quarter), unlike a ratio.", "source_page": null } }, { "id": "ef547234-4816-4813-80eb-4a7010b2225d", "metric_id": "financial.net_retention_ratio", "metric_name": "net retention ratio", "value": 75, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "zurich-kotak", 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