{
  "metric": {
    "id": "financial.combined_ratio.segment.marine_hull",
    "slug": "combined-ratio-segment-marine-hull",
    "name": "Combined Ratio — Marine Hull",
    "metric_short_name": "marine hull combined ratio",
    "unit": "%",
    "definition": "Segment-level combined ratio for Marine Hull, from IRDAI Form NL-20's own segmental analytical-ratios table (not the company-wide NL-20 figure). Below 100% = underwriting profitability for this segment specifically.",
    "higher_is_better": false,
    "metric_status": "regulatory_native",
    "regulatory_form": "NL-20",
    "applicable_to": [
      "general",
      "health"
    ]
  },
  "facts": [
    {
      "insurer_id": "tata-aig",
      "insurer_name": "Tata AIG General Insurance",
      "insurer_slug": "tata-aig",
      "value": -501,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "tata-aig",
        "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
      }
    },
    {
      "insurer_id": "national-insurance",
      "insurer_name": "National Insurance Company",
      "insurer_slug": "national-insurance",
      "value": 195.56,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "national-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "NL-20-ANALYTICAL RATIOS SCHEDULE.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-25",
        "extraction_note": "NL-20 segmental table, marine_hull 'Current Period' row, col 8",
        "source_page": null
      }
    },
    {
      "insurer_id": "iffco-tokio",
      "insurer_name": "IFFCO Tokio General Insurance",
      "insurer_slug": "iffco-tokio",
      "value": -183.87,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "iffco-tokio",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "public-disclosure-june-2026.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 9",
        "source_page": null
      }
    },
    {
      "insurer_id": "universal-sompo",
      "insurer_name": "Universal Sompo General Insurance",
      "insurer_slug": "universal-sompo",
      "value": -881.7,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "universal-sompo",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "textplor-vendor-2026-27-Q1.xlsx",
        "source_url": null,
        "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)",
        "last_verified": "2026-10-26",
        "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.",
        "source_page": null
      }
    },
    {
      "insurer_id": "reliance-general",
      "insurer_name": "Reliance General Insurance",
      "insurer_slug": "reliance-general",
      "value": 128.52,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "reliance-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "nl-20-analytical-ratios-q1-26-27.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-25",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
      }
    },
    {
      "insurer_id": "bajaj-allianz-general",
      "insurer_name": "Bajaj Allianz General Insurance",
      "insurer_slug": "bajaj-allianz-general",
      "value": 36.3,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "bajaj-allianz-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "NL-20.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
      }
    },
    {
      "insurer_id": "hdfc-ergo",
      "insurer_name": "HDFC ERGO General Insurance",
      "insurer_slug": "hdfc-ergo",
      "value": 2317.86,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "hdfc-ergo",
        "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
      }
    },
    {
      "insurer_id": "shriram-general",
      "insurer_name": "Shriram General Insurance",
      "insurer_slug": "shriram-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "shriram-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "c7925595-ce45-4fdc-b77e-a2c417916f24_SGI_Disclosure_1st_Qtr_2026_27.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
      }
    },
    {
      "insurer_id": "go-digit-general",
      "insurer_name": "Digit General Insurance",
      "insurer_slug": "go-digit-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "go-digit-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "textplor-vendor-2026-27-Q1.xlsx",
        "source_url": null,
        "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)",
        "last_verified": "2026-10-26",
        "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.",
        "source_page": null
      }
    },
    {
      "insurer_id": "liberty-general",
      "insurer_name": "Liberty General Insurance",
      "insurer_slug": "liberty-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "liberty-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "textplor-vendor-2026-27-Q1.xlsx",
        "source_url": null,
        "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)",
        "last_verified": "2026-10-26",
        "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.",
        "source_page": null
      }
    },
    {
      "insurer_id": "new-india-assurance",
      "insurer_name": "New India Assurance",
      "insurer_slug": "new-india-assurance",
      "value": 50.05,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "new-india-assurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "Public_Disclosure_Q1_FY26-27.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
      }
    },
    {
      "insurer_id": "icici-lombard",
      "insurer_name": "ICICI Lombard General Insurance",
      "insurer_slug": "icici-lombard",
      "value": 40.9,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "icici-lombard",
        "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
      }
    },
    {
      "insurer_id": "oriental-insurance",
      "insurer_name": "Oriental Insurance Company",
      "insurer_slug": "oriental-insurance",
      "value": 88.97,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "oriental-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "nl_20_7b503eba88.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
      }
    },
    {
      "insurer_id": "generali-central",
      "insurer_name": "Generali Central Insurance (formerly Future Generali)",
      "insurer_slug": "generali-central",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "generali-central",
        "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
      }
    },
    {
      "insurer_id": "cholamandalam-ms-general",
      "insurer_name": "Chola MS General Insurance",
      "insurer_slug": "cholamandalam-ms-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "cholamandalam-ms-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "textplor-vendor-2026-27-Q1.xlsx",
        "source_url": null,
        "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)",
        "last_verified": "2026-10-26",
        "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.",
        "source_page": null
      }
    },
    {
      "insurer_id": "iffco-tokio",
      "insurer_name": "IFFCO Tokio General Insurance",
      "insurer_slug": "iffco-tokio",
      "value": 281.49,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "iffco-tokio",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "public-disclosure-march-2026.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 9",
        "source_page": null
      }
    },
    {
      "insurer_id": "tata-aig",
      "insurer_name": "Tata AIG General Insurance",
      "insurer_slug": "tata-aig",
      "value": 552,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "tata-aig",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "NL20_Q4_FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-29",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
      }
    },
    {
      "insurer_id": "oriental-insurance",
      "insurer_name": "Oriental Insurance Company",
      "insurer_slug": "oriental-insurance",
      "value": 112.8,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "oriental-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "NL-20_NL_20_c37fca074c.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-29",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
      }
    },
    {
      "insurer_id": "go-digit-general",
      "insurer_name": "Digit General Insurance",
      "insurer_slug": "go-digit-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "go-digit-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "NL20_Q4_FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-29",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
      }
    },
    {
      "insurer_id": "shriram-general",
      "insurer_name": "Shriram General Insurance",
      "insurer_slug": "shriram-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "shriram-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "2539dd48-dd39-4946-ae4f-66cd3e6e4654_SGI-_Disclosure_-20IVth20Qtr2025-26_11.06.2026_compressed.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
      }
    },
    {
      "insurer_id": "cholamandalam-ms-general",
      "insurer_name": "Chola MS General Insurance",
      "insurer_slug": "cholamandalam-ms-general",
      "value": -1610.97,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "cholamandalam-ms-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "Public_Disclosure_for_Q4_FY_2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-11-03",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
      }
    },
    {
      "insurer_id": "new-india-assurance",
      "insurer_name": "New India Assurance",
      "insurer_slug": "new-india-assurance",
      "value": 62.71,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "new-india-assurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "Public_Disclosure_Q4_FY25-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
      }
    },
    {
      "insurer_id": "united-india",
      "insurer_name": "United India Insurance",
      "insurer_slug": "united-india",
      "value": 70.3,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "united-india",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "NL20_Q4_FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-29",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
      }
    },
    {
      "insurer_id": "universal-sompo",
      "insurer_name": "Universal Sompo General Insurance",
      "insurer_slug": "universal-sompo",
      "value": -665.36,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "universal-sompo",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "NL20_Q4_FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-29",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
      }
    },
    {
      "insurer_id": "generali-central",
      "insurer_name": "Generali Central Insurance (formerly Future Generali)",
      "insurer_slug": "generali-central",
      "value": 269,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "generali-central",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "FY2025-26_Q4_NL20.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
      }
    },
    {
      "insurer_id": "reliance-general",
      "insurer_name": "Reliance General Insurance",
      "insurer_slug": "reliance-general",
      "value": 74.28,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "reliance-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "NL-20.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
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        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
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        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
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        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
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      "unit": "%",
      "reporting_period_label": "Q2 FY25-26",
      "reporting_period_end": "2025-09-30",
      "provenance": {
        "reported_by": "iffco-tokio",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY25-26",
        "source_document": "public-disclosure-september-2025.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 9",
        "source_page": null
      }
    },
    {
      "insurer_id": "universal-sompo",
      "insurer_name": "Universal Sompo General Insurance",
      "insurer_slug": "universal-sompo",
      "value": -1091.67,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "universal-sompo",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY25-26",
        "source_document": "textplor-vendor-2025-26-Q1.xlsx",
        "source_url": null,
        "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)",
        "last_verified": "2026-10-26",
        "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.",
        "source_page": null
      }
    },
    {
      "insurer_id": "reliance-general",
      "insurer_name": "Reliance General Insurance",
      "insurer_slug": "reliance-general",
      "value": 128.61,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "reliance-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY25-26",
        "source_document": "textplor-vendor-2025-26-Q1.xlsx",
        "source_url": null,
        "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)",
        "last_verified": "2026-10-26",
        "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.",
        "source_page": null
      }
    },
    {
      "insurer_id": "new-india-assurance",
      "insurer_name": "New India Assurance",
      "insurer_slug": "new-india-assurance",
      "value": 169,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "new-india-assurance",
        "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
      }
    },
    {
      "insurer_id": "bajaj-allianz-general",
      "insurer_name": "Bajaj Allianz General Insurance",
      "insurer_slug": "bajaj-allianz-general",
      "value": 134.1,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "bajaj-allianz-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY25-26",
        "source_document": "textplor-vendor-2025-26-Q1.xlsx",
        "source_url": null,
        "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)",
        "last_verified": "2026-10-26",
        "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.",
        "source_page": null
      }
    },
    {
      "insurer_id": "sbi-general",
      "insurer_name": "SBI General Insurance",
      "insurer_slug": "sbi-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "sbi-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY25-26",
        "source_document": "textplor-vendor-2025-26-Q1.xlsx",
        "source_url": null,
        "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)",
        "last_verified": "2026-10-26",
        "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.",
        "source_page": null
      }
    },
    {
      "insurer_id": "shriram-general",
      "insurer_name": "Shriram General Insurance",
      "insurer_slug": "shriram-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "shriram-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY25-26",
        "source_document": "bf40e7b6-76e3-4a43-a10c-8884aa16e14e_SGI-_Disclosure_-201st20Qtr20202025-26-Revised.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
      }
    },
    {
      "insurer_id": "tata-aig",
      "insurer_name": "Tata AIG General Insurance",
      "insurer_slug": "tata-aig",
      "value": 64,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "tata-aig",
        "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
      }
    },
    {
      "insurer_id": "hdfc-ergo",
      "insurer_name": "HDFC ERGO General Insurance",
      "insurer_slug": "hdfc-ergo",
      "value": 1860.01,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "hdfc-ergo",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY25-26",
        "source_document": "Annexure-IV-All-Forms-Q1-FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
      }
    },
    {
      "insurer_id": "icici-lombard",
      "insurer_name": "ICICI Lombard General Insurance",
      "insurer_slug": "icici-lombard",
      "value": 61.1,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "icici-lombard",
        "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
      }
    },
    {
      "insurer_id": "generali-central",
      "insurer_name": "Generali Central Insurance (formerly Future Generali)",
      "insurer_slug": "generali-central",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "generali-central",
        "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
      }
    },
    {
      "insurer_id": "go-digit-general",
      "insurer_name": "Digit General Insurance",
      "insurer_slug": "go-digit-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "go-digit-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY25-26",
        "source_document": "textplor-vendor-2025-26-Q1.xlsx",
        "source_url": null,
        "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)",
        "last_verified": "2026-10-26",
        "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.",
        "source_page": null
      }
    },
    {
      "insurer_id": "royal-sundaram",
      "insurer_name": "Royal Sundaram General Insurance",
      "insurer_slug": "royal-sundaram",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "royal-sundaram",
        "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
      }
    },
    {
      "insurer_id": "oriental-insurance",
      "insurer_name": "Oriental Insurance Company",
      "insurer_slug": "oriental-insurance",
      "value": 365,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "oriental-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY25-26",
        "source_document": "NL-20_nl_20_30_06_2025_7593dda441.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
      }
    },
    {
      "insurer_id": "national-insurance",
      "insurer_name": "National Insurance Company",
      "insurer_slug": "national-insurance",
      "value": -100.71,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "national-insurance",
        "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
      }
    },
    {
      "insurer_id": "cholamandalam-ms-general",
      "insurer_name": "Chola MS General Insurance",
      "insurer_slug": "cholamandalam-ms-general",
      "value": 114.39,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "cholamandalam-ms-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY25-26",
        "source_document": "textplor-vendor-2025-26-Q1.xlsx",
        "source_url": null,
        "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)",
        "last_verified": "2026-10-26",
        "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.",
        "source_page": null
      }
    },
    {
      "insurer_id": "liberty-general",
      "insurer_name": "Liberty General Insurance",
      "insurer_slug": "liberty-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "liberty-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY25-26",
        "source_document": "textplor-vendor-2025-26-Q1.xlsx",
        "source_url": null,
        "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)",
        "last_verified": "2026-10-26",
        "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.",
        "source_page": null
      }
    },
    {
      "insurer_id": "united-india",
      "insurer_name": "United India Insurance",
      "insurer_slug": "united-india",
      "value": 69.88,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "united-india",
        "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
      }
    },
    {
      "insurer_id": "iffco-tokio",
      "insurer_name": "IFFCO Tokio General Insurance",
      "insurer_slug": "iffco-tokio",
      "value": 66.67,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "iffco-tokio",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY25-26",
        "source_document": "public-disclosure-june-2025.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 9",
        "source_page": null
      }
    },
    {
      "insurer_id": "generali-central",
      "insurer_name": "Generali Central Insurance (formerly Future Generali)",
      "insurer_slug": "generali-central",
      "value": 394,
      "unit": "%",
      "reporting_period_label": "Q4 FY24-25",
      "reporting_period_end": "2025-03-31",
      "provenance": {
        "reported_by": "generali-central",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY24-25",
        "source_document": "FY2024-25_Q4.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
      }
    },
    {
      "insurer_id": "iffco-tokio",
      "insurer_name": "IFFCO Tokio General Insurance",
      "insurer_slug": "iffco-tokio",
      "value": 8659.26,
      "unit": "%",
      "reporting_period_label": "Q4 FY24-25",
      "reporting_period_end": "2025-03-31",
      "provenance": {
        "reported_by": "iffco-tokio",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY24-25",
        "source_document": "public-disclosure-march-2025.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 9",
        "source_page": null
      }
    },
    {
      "insurer_id": "bajaj-allianz-general",
      "insurer_name": "Bajaj Allianz General Insurance",
      "insurer_slug": "bajaj-allianz-general",
      "value": 2306.5,
      "unit": "%",
      "reporting_period_label": "Q4 FY24-25",
      "reporting_period_end": "2025-03-31",
      "provenance": {
        "reported_by": "bajaj-allianz-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY24-25",
        "source_document": "NL-20.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-29",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 7",
        "source_page": null
      }
    },
    {
      "insurer_id": "hdfc-ergo",
      "insurer_name": "HDFC ERGO General Insurance",
      "insurer_slug": "hdfc-ergo",
      "value": 1246.13,
      "unit": "%",
      "reporting_period_label": "Q4 FY24-25",
      "reporting_period_end": "2025-03-31",
      "provenance": {
        "reported_by": "hdfc-ergo",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY24-25",
        "source_document": "Annexure-IV-All-Forms-Q4-FY2024-25.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
      }
    },
    {
      "insurer_id": "cholamandalam-ms-general",
      "insurer_name": "Chola MS General Insurance",
      "insurer_slug": "cholamandalam-ms-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q4 FY24-25",
      "reporting_period_end": "2025-03-31",
      "provenance": {
        "reported_by": "cholamandalam-ms-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY24-25",
        "source_document": "Public_Disclosures_for_Q4_FY_2024-25.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
      }
    },
    {
      "insurer_id": "shriram-general",
      "insurer_name": "Shriram General Insurance",
      "insurer_slug": "shriram-general",
      "value": 0,
      "unit": "%",
      "reporting_period_label": "Q4 FY24-25",
      "reporting_period_end": "2025-03-31",
      "provenance": {
        "reported_by": "shriram-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY24-25",
        "source_document": "4352ee30-47d2-4012-a6ae-989c8ef286f0_SGI-_Disclosure_-_IVth_Qtr__24-25.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 9",
        "source_page": null
      }
    },
    {
      "insurer_id": "oriental-insurance",
      "insurer_name": "Oriental Insurance Company",
      "insurer_slug": "oriental-insurance",
      "value": 76.12,
      "unit": "%",
      "reporting_period_label": "Q4 FY24-25",
      "reporting_period_end": "2025-03-31",
      "provenance": {
        "reported_by": "oriental-insurance",
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        "source_url": null,
        "extracted_by": "irw_adapter v1",
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    {
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        "extracted_by": "irw_adapter v1",
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        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 9",
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    {
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        "extracted_by": "irw_adapter v1",
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        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
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    },
    {
      "insurer_id": "generali-central",
      "insurer_name": "Generali Central Insurance (formerly Future Generali)",
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        "extracted_by": "irw_adapter v1",
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    },
    {
      "insurer_id": "oriental-insurance",
      "insurer_name": "Oriental Insurance Company",
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        "source_url": null,
        "extracted_by": "irw_adapter v1",
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        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
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    {
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        "reported_by": "cholamandalam-ms-general",
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        "source_url": null,
        "extracted_by": "irw_adapter v1",
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        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
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    },
    {
      "insurer_id": "iffco-tokio",
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        "extracted_by": "irw_adapter v1",
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        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 9",
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    {
      "insurer_id": "generali-central",
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        "extracted_by": "irw_adapter v1",
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        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
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    },
    {
      "insurer_id": "oriental-insurance",
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        "source_document": "NL-20_NL_20_Analytical_Ratios_50dd50d624.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
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        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
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    },
    {
      "insurer_id": "cholamandalam-ms-general",
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        "extracted_by": "irw_adapter v1",
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        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
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    },
    {
      "insurer_id": "generali-central",
      "insurer_name": "Generali Central Insurance (formerly Future Generali)",
      "insurer_slug": "generali-central",
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      "unit": "%",
      "reporting_period_label": "Q2 FY21-22",
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      "provenance": {
        "reported_by": "generali-central",
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        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
      }
    },
    {
      "insurer_id": "oriental-insurance",
      "insurer_name": "Oriental Insurance Company",
      "insurer_slug": "oriental-insurance",
      "value": 235.73,
      "unit": "%",
      "reporting_period_label": "Q2 FY21-22",
      "reporting_period_end": "2021-09-30",
      "provenance": {
        "reported_by": "oriental-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY21-22",
        "source_document": "NL-20_NL_20_a13e1deb61.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 segmental table, marine_hull row immediately after label, col 8",
        "source_page": null
      }
    }
  ],
  "meta": {
    "generated_at": "2026-11-15",
    "source": "IRDAI public disclosures",
    "api_version": "v1",
    "licence": "Facts derived from IRDAI public disclosure data. Republication with attribution permitted subject to applicable Indian law."
  }
}