{ "metric": { "id": "financial.expense_ratio.nonlife.gdp", "slug": "expense-ratio-nonlife-gross", "name": "Expense of Management Ratio — Non-Life (to Gross Premium)", "metric_short_name": "expense ratio to gross premium", "unit": "%", "definition": "Expense of Management as a percentage of Gross Direct Premium, from IRDAI NL-20. Alternative denominator to net written premium — gives a different perspective on cost structure.", "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": 32, "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": "NL_20_064a4a37b4.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "zurich-kotak", "insurer_name": "Zurich Kotak General Insurance", "insurer_slug": "zurich-kotak", "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 } }, { "insurer_id": "cholamandalam-ms-general", "insurer_name": "Chola MS General Insurance", "insurer_slug": "cholamandalam-ms-general", "value": 36.13, "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": "2026-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "zuno-general", "insurer_name": "Zuno General Insurance", "insurer_slug": "zuno-general", "value": 31, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "2026-06-30_NL-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-11", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "care-health", "insurer_name": "Care Health Insurance", "insurer_slug": "care-health", "value": 33, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "care-health", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "consolidated.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "ecgc", "insurer_name": "ECGC", "insurer_slug": "ecgc", "value": 27.58, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "ecgc", "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": "bajaj-allianz-general", "insurer_name": "Bajaj Allianz General Insurance", "insurer_slug": "bajaj-allianz-general", "value": 29.5, "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": "2026-06-30_NL-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "galaxy-health", "insurer_name": "Galaxy Health Insurance", "insurer_slug": "galaxy-health", "value": 89.48, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "galaxy-health", "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": "acko-general", "insurer_name": "Acko General Insurance", "insurer_slug": "acko-general", "value": 43.92, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "acko-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "Public_Disclosure_Q1_2026_27_1_a86ea579b6.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 text-fallback line match: expense_gdp", "source_page": null } }, { "insurer_id": "hdfc-ergo", "insurer_name": "HDFC ERGO General Insurance", "insurer_slug": "hdfc-ergo", "value": 31.8, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "hdfc-ergo-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "2026-06-30_NL-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "shriram-general", "insurer_name": "Shriram General Insurance", "insurer_slug": "shriram-general", "value": 33.69, "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": "2026-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "go-digit-general", "insurer_name": "Digit General Insurance", "insurer_slug": "go-digit-general", "value": 39, "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": "narayana-health-insurance", "insurer_name": "Narayana Health Insurance", "insurer_slug": "narayana-health-insurance", "value": 39, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "narayana-health-insurance", "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": "kshema-general", "insurer_name": "Kshema General Insurance", "insurer_slug": "kshema-general", "value": 170.62, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "kshema-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": "national-insurance", "insurer_name": "National Insurance Company", "insurer_slug": "national-insurance", "value": 31.77, "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": "pdfs/national-insurance/NL-20-ANALYTICAL RATIOS SCHEDULE.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row: Expense of Management to Gross Direct\nPremium Rati", "source_page": 1 } }, { "insurer_id": "raheja-qbe", "insurer_name": "Raheja QBE General Insurance", "insurer_slug": "raheja-qbe", "value": 38.6, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "raheja-qbe", "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": 29.22, "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 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "reliance-general", "insurer_name": "Reliance General Insurance", "insurer_slug": "reliance-general", "value": 29.03, "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": "2026-06-30_nl20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "generali-central", "insurer_name": "Generali Central Insurance (formerly Future Generali)", "insurer_slug": "generali-central", "value": 29.5, "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": "navi-general", "insurer_name": "Navi General Insurance", "insurer_slug": "navi-general", "value": 35, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "navi-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": "universal-sompo", "insurer_name": "Universal Sompo General Insurance", "insurer_slug": "universal-sompo", "value": 28.71, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "insurer_id": "aditya-birla-health", "insurer_name": "Aditya Birla Health Insurance", "insurer_slug": "aditya-birla-health", "value": 35, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "aditya-birla-health", "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": 15.47, "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": "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 } }, { "insurer_id": "star-health", "insurer_name": "Star Health Insurance", "insurer_slug": "star-health", "value": 31.94, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "star-health", "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": 16.8, "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 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "liberty-general", "insurer_name": "Liberty General Insurance", "insurer_slug": "liberty-general", "value": 39, "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": "icici-lombard", "insurer_name": "ICICI Lombard General Insurance", "insurer_slug": "icici-lombard", "value": 28.8, "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": "2026-06-30_nl-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "sbi-general", "insurer_name": "SBI General Insurance", "insurer_slug": "sbi-general", "value": 28.62, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "sbi-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "2026-06-30_NL-1-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "manipal-cigna", "insurer_name": "ManipalCigna Health Insurance", "insurer_slug": "manipal-cigna", "value": 32, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "manipal-cigna", "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": "royal-sundaram", "insurer_name": "Royal Sundaram General Insurance", "insurer_slug": "royal-sundaram", "value": 28.7, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "royal-sundaram", "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": "niva-bupa", "insurer_name": "Niva Bupa Health Insurance", "insurer_slug": "niva-bupa", "value": 35.15, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "2026-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-09", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "agriculture-insurance", "insurer_name": "Agriculture Insurance Company of India", "insurer_slug": "agriculture-insurance", "value": -129.47, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "agriculture-insurance", "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": "magma-general", "insurer_name": "Magma General Insurance", "insurer_slug": "magma-general", "value": 32.7, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "magma-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": "united-india", "insurer_name": "United India Insurance", "insurer_slug": "united-india", "value": 27.33, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "united-india", "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": "galaxy-health", "insurer_name": "Galaxy Health Insurance", "insurer_slug": "galaxy-health", "value": 62.56, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "Galaxy Health Insurance Co Ltd", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_Q4_FY2025-26.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 } }, { "insurer_id": "care-health", "insurer_name": "Care Health Insurance", "insurer_slug": "care-health", "value": 36, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "care-health", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "consolidated.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 } }, { "insurer_id": "universal-sompo", "insurer_name": "Universal Sompo General Insurance", "insurer_slug": "universal-sompo", "value": 26.73, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL20_Q4_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-29", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "united-india", "insurer_name": "United India Insurance", "insurer_slug": "united-india", "value": 38.55, "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 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "reliance-general", "insurer_name": "Reliance General Insurance", "insurer_slug": "reliance-general", "value": 35.15, "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": "2026-03-31_nl20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "shriram-general", "insurer_name": "Shriram General Insurance", "insurer_slug": "shriram-general", "value": 31.86, "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 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "kshema-general", "insurer_name": "Kshema General Insurance", "insurer_slug": "kshema-general", "value": 9.4, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "nl-20-analytical-ratios.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "zurich-kotak", "insurer_name": "Zurich Kotak General Insurance", "insurer_slug": "zurich-kotak", "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 } }, { "insurer_id": "acko-general", "insurer_name": "Acko General Insurance", "insurer_slug": "acko-general", "value": 41.66, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "acko-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Public_Disclosure_Q4_2025_26_d11ebbad81.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-11-03", "extraction_note": "NL-20 text-fallback line match: expense_gdp", "source_page": null } }, { "insurer_id": "magma-general", "insurer_name": "Magma General Insurance", "insurer_slug": "magma-general", "value": 32.7, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "magma-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_Q4_FY2025-26.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 } }, { "insurer_id": "manipal-cigna", "insurer_name": "ManipalCigna Health Insurance", "insurer_slug": "manipal-cigna", "value": 36, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "manipal-cigna", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "6578a708-d64f-06fd-0ff5-2abcaa77e533.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 } }, { "insurer_id": "bajaj-allianz-general", "insurer_name": "Bajaj Allianz General Insurance", "insurer_slug": "bajaj-allianz-general", "value": 36.37, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "bajaj-allianz-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": "2026-10-29", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "ecgc", "insurer_name": "ECGC", "insurer_slug": "ecgc", "value": 29.98, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "ecgc", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "FY2025-26_Q4.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 } }, { "insurer_id": "narayana-health-insurance", "insurer_name": "Narayana Health Insurance", "insurer_slug": "narayana-health-insurance", "value": 64, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "Financial_Report_Q4_final_V4_1_257cf42524.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-30", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "oriental-insurance", "insurer_name": "Oriental Insurance Company", "insurer_slug": "oriental-insurance", "value": 15.37, "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 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "national-insurance", "insurer_name": "National Insurance Company", "insurer_slug": "national-insurance", "value": 64.06, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "national-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "pdfs/national-insurance/NL-20 ANALYTICAL RATIOS.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row: Expense of Management to Gross Direct\nPremium Rati", "source_page": 1 } }, { "insurer_id": "sbi-general", "insurer_name": "SBI General Insurance", "insurer_slug": "sbi-general", "value": 23.68, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "sbi-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL_1_20_Financial_Statements_3cb9d24a0a.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 } }, { "insurer_id": "icici-lombard", "insurer_name": "ICICI Lombard General Insurance", "insurer_slug": "icici-lombard", "value": 32.1, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "icici-lombard", "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": "2026-10-31", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "royal-sundaram", "insurer_name": "Royal Sundaram General Insurance", "insurer_slug": "royal-sundaram", "value": 30.5, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "royal-sundaram", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "NL-20_Annual_FY2025-26.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 } }, { "insurer_id": "iffco-tokio", "insurer_name": "IFFCO Tokio General Insurance", "insurer_slug": "iffco-tokio", "value": 31.22, "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 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "navi-general", "insurer_name": "Navi General Insurance", "insurer_slug": "navi-general", "value": 40, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "navi-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "2025-2026_Jan-Mar.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 } }, { "insurer_id": "cholamandalam-ms-general", "insurer_name": "Chola MS General Insurance", "insurer_slug": "cholamandalam-ms-general", "value": 34.47, "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 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "aditya-birla-health", 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"last_verified": "2026-10-29", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "new-india-assurance", "insurer_name": "New India Assurance", "insurer_slug": "new-india-assurance", "value": 21.33, "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 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "generali-central", "insurer_name": "Generali Central Insurance (formerly Future Generali)", "insurer_slug": "generali-central", "value": 29, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": 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} }, { "insurer_id": "aditya-birla-health", "insurer_name": "Aditya Birla Health Insurance", "insurer_slug": "aditya-birla-health", "value": 40, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "aditya-birla-health", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "universal-sompo", "insurer_name": "Universal Sompo General Insurance", "insurer_slug": "universal-sompo", "value": 27.38, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "manipal-cigna", "insurer_name": "ManipalCigna Health Insurance", "insurer_slug": "manipal-cigna", "value": 42, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "manipal-cigna", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "a8d8123b-6497-0523-6a14-c8de5b73c378.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "care-health", "insurer_name": "Care Health Insurance", "insurer_slug": "care-health", "value": 36, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "care-health", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "consolidated.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "icici-lombard", "insurer_name": "ICICI Lombard General Insurance", "insurer_slug": "icici-lombard", "value": 26.47, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "icici-lombard", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "ecgc", "insurer_name": "ECGC", "insurer_slug": "ecgc", "value": 28.8, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "ecgc", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_till_now_fy2526_q3.pdf", "source_url": "https://main.ecgc.in/english/wp-content/uploads/2026/01/NL_till_now_fy2526_q3.pdf", "extracted_by": "irw_adapter v1 (manual, single-segment filing)", "last_verified": "2026-10-26", "extraction_note": "ECGC reports NL-20 under a single 'Miscellaneous Segment' column (credit insurer, no standard multi-segment split). 'For the Period ended' (standalone-quarter) column used, not the cumulative 'Up to Period' column. gdp_to_networth_ratio stored x100 (source shows a bare 'Times' multiple, e.g. 0.05) matching today's established project convention for that metric; technical_reserves_to_premium_ratio stored raw (also a 'Times' multiple in the source, but matches the convention already used for other insurers' values of this specific metric, e.g. acko-general ~1-2). Pulled directly from ECGC's own site 2026-10-26.", "source_page": 26 } }, { "insurer_id": "narayana-health-insurance", "insurer_name": "Narayana Health Insurance", "insurer_slug": "narayana-health-insurance", "value": 93, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "V2_NHIL_NL_Form_Q3_FY_26_updated_734baca923.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "oriental-insurance", "insurer_name": "Oriental Insurance Company", "insurer_slug": "oriental-insurance", "value": 54.54, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "oriental-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL-20_nl_20_60fb7bf603.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "shriram-general", "insurer_name": "Shriram General Insurance", "insurer_slug": "shriram-general", "value": 29.83, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "shriram-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "a6a29727-1dfc-44c2-905a-4d3d686632c0_SGI-_Disclosure_-20IIIrd20Qtr20202025-26_revised2011.06.2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "raheja-qbe", "insurer_name": "Raheja QBE General Insurance", "insurer_slug": "raheja-qbe", "value": 56.6, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "raheja-qbe", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL20_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "galaxy-health", "insurer_name": "Galaxy Health Insurance", "insurer_slug": "galaxy-health", "value": 86.68, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "Galaxy Health Insurance Co Ltd", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "NL_Q3_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "raheja-qbe", "insurer_name": "Raheja QBE General Insurance", "insurer_slug": "raheja-qbe", "value": 72.7, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "raheja-qbe", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "hdfc-ergo", "insurer_name": "HDFC ERGO General Insurance", "insurer_slug": "hdfc-ergo", "value": 27.82, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "hdfc-ergo-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "2025-09-30_NL-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "navi-general", "insurer_name": "Navi General Insurance", "insurer_slug": "navi-general", "value": 44, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "navi-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "2025-2026_Jul-Sep.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "aditya-birla-health", "insurer_name": "Aditya Birla Health Insurance", "insurer_slug": "aditya-birla-health", "value": 37, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "aditya-birla-health", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "new-india-assurance", "insurer_name": "New India Assurance", "insurer_slug": "new-india-assurance", "value": 27.89, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "new-india-assurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "combined.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "oriental-insurance", "insurer_name": "Oriental Insurance Company", "insurer_slug": "oriental-insurance", "value": 14.6, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "oriental-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20_NL_20_f45d225c11.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "tata-aig", "insurer_name": "Tata AIG General Insurance", "insurer_slug": "tata-aig", "value": 31, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "tata-aig", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "cholamandalam-ms-general", "insurer_name": "Chola MS General Insurance", "insurer_slug": "cholamandalam-ms-general", "value": 35.06, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "2025-09-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "universal-sompo", "insurer_name": "Universal Sompo General Insurance", "insurer_slug": "universal-sompo", "value": 21.51, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "shriram-general", "insurer_name": "Shriram General Insurance", "insurer_slug": "shriram-general", "value": 30.44, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "shriram-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "a789d0e8-aba7-4611-837e-5ba8ea989ccb_SGI-_Disclosure_-20IInd20Qtr_2025-26_Revised_11.06.2026.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "manipal-cigna", "insurer_name": "ManipalCigna Health Insurance", "insurer_slug": "manipal-cigna", "value": 46, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "manipal-cigna", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "18c61062-2908-01f2-4553-5c2e3b89773b.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "generali-central", "insurer_name": "Generali Central Insurance (formerly Future Generali)", "insurer_slug": "generali-central", "value": 32, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "generali-central", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "FY2025-26_Q2_NL20.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "reliance-general", "insurer_name": "Reliance General Insurance", "insurer_slug": "reliance-general", "value": 26.12, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "reliance-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "2025-09-30_nl20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "star-health", "insurer_name": "Star Health Insurance", "insurer_slug": "star-health", "value": 32.56, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "star-health", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "2025-2026_Q2_Website_PD_Q2_FY_26_daddbf253a.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "acko-general", "insurer_name": "Acko General Insurance", "insurer_slug": "acko-general", "value": 35.93, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "acko-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "Public_Disclosure_Q2_2025_26_e4d63b4702.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 text-fallback line match: expense_gdp", "source_page": null } }, { "insurer_id": "united-india", "insurer_name": "United India Insurance", "insurer_slug": "united-india", "value": 52.2, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "united-india", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "sbi-general", "insurer_name": "SBI General Insurance", "insurer_slug": "sbi-general", "value": 25.42, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "sbi-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_1_20_Financial_Statements_8ee7d662e7.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "go-digit-general", "insurer_name": "Digit General Insurance", "insurer_slug": "go-digit-general", "value": 41.63, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "go-digit-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL20_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "galaxy-health", "insurer_name": "Galaxy Health Insurance", "insurer_slug": "galaxy-health", "value": 66.99, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "Galaxy Health Insurance Co Ltd", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "kshema-general", "insurer_name": "Kshema General Insurance", "insurer_slug": "kshema-general", "value": 476.74, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "kshema-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "nl-20-analytical-ratios.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 } }, { "insurer_id": "narayana-health-insurance", "insurer_name": "Narayana Health Insurance", "insurer_slug": "narayana-health-insurance", "value": 93.27, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "narayana-health-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_Form_Q2_26_26_0b558063f1_Updated_1_d6198217c2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "zuno-general", "insurer_name": "Zuno General Insurance", "insurer_slug": "zuno-general", "value": 37, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "care-health", "insurer_name": "Care Health Insurance", "insurer_slug": "care-health", "value": 35, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "care-health", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "consolidated.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "ecgc", "insurer_name": "ECGC", "insurer_slug": "ecgc", "value": 32.31, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "ecgc", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_till_now_fy2526_q2.pdf", "source_url": "https://main.ecgc.in/english/wp-content/themes/pcwebecgc/images/pcECGPagePDF/Public/2025-2026/secondQ/NL_till_now_fy2526_q2.pdf", "extracted_by": "irw_adapter v1 (manual, single-segment filing)", "last_verified": "2026-10-26", "extraction_note": "ECGC reports NL-20 under a single 'Miscellaneous Segment' column (credit insurer, no standard multi-segment split). 'For the Period ended' (standalone-quarter) column used, not the cumulative 'Up to Period' column. gdp_to_networth_ratio stored x100 (source shows a bare 'Times' multiple, e.g. 0.05) matching today's established project convention for that metric; technical_reserves_to_premium_ratio stored raw (also a 'Times' multiple in the source, but matches the convention already used for other insurers' values of this specific metric, e.g. acko-general ~1-2). Pulled directly from ECGC's own site 2026-10-26.", "source_page": 26 } }, { "insurer_id": "zurich-kotak", "insurer_name": "Zurich Kotak General Insurance", "insurer_slug": "zurich-kotak", "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 } }, { "insurer_id": "iffco-tokio", "insurer_name": "IFFCO Tokio General Insurance", "insurer_slug": "iffco-tokio", "value": 23.54, "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 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "agriculture-insurance", "insurer_name": "Agriculture Insurance Company of India", "insurer_slug": "agriculture-insurance", "value": 2.62, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "agriculture-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "2025-26_Q2.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "icici-lombard", "insurer_name": "ICICI Lombard General Insurance", "insurer_slug": "icici-lombard", "value": 31.9, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "icici-lombard", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL-20.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "bajaj-allianz-general", "insurer_name": "Bajaj Allianz General Insurance", "insurer_slug": "bajaj-allianz-general", "value": 24.36, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "bajaj-allianz-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "2025-09-30_NL-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "magma-general", "insurer_name": "Magma General Insurance", "insurer_slug": "magma-general", "value": 31.86, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "magma-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "NL_Q2_FY2025-26.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "national-insurance", "insurer_name": "National Insurance Company", "insurer_slug": "national-insurance", "value": 42.8, "unit": "%", "reporting_period_label": "Q2 FY25-26", "reporting_period_end": "2025-09-30", "provenance": { "reported_by": "national-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY25-26", "source_document": "pdfs/national-insurance/NL-20 ANALYTICAL RATIOS.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row: Expense of Management to Gross Direct\nPremium Rati", "source_page": 1 } }, { "insurer_id": "bajaj-allianz-general", "insurer_name": "Bajaj Allianz General Insurance", "insurer_slug": "bajaj-allianz-general", "value": 31.03, "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": "2025-06-30_NL-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "sbi-general", "insurer_name": "SBI General Insurance", "insurer_slug": "sbi-general", "value": 27.74, "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": "care-health", "insurer_name": "Care Health Insurance", "insurer_slug": "care-health", "value": 34, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "care-health", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "consolidated.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "reliance-general", "insurer_name": "Reliance General Insurance", "insurer_slug": "reliance-general", "value": 29.15, "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": "2025-06-30_nl20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "royal-sundaram", "insurer_name": "Royal Sundaram General Insurance", "insurer_slug": "royal-sundaram", "value": 28, "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": "icici-lombard", "insurer_name": "ICICI Lombard General Insurance", "insurer_slug": "icici-lombard", "value": 27.8, "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": "2025-06-30_nl-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "oriental-insurance", "insurer_name": "Oriental Insurance Company", "insurer_slug": "oriental-insurance", "value": 13.33, "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 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "kshema-general", "insurer_name": "Kshema General Insurance", "insurer_slug": "kshema-general", "value": 18.23, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "kshema-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": 25.78, "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": "go-digit-general", "insurer_name": "Digit General Insurance", "insurer_slug": "go-digit-general", "value": 35.01, "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": "galaxy-health", "insurer_name": "Galaxy Health Insurance", "insurer_slug": "galaxy-health", "value": 272.91, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "galaxy-health", "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": "universal-sompo", "insurer_name": "Universal Sompo General Insurance", "insurer_slug": "universal-sompo", "value": 24.9, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "insurer_id": "navi-general", "insurer_name": "Navi General Insurance", "insurer_slug": "navi-general", "value": 25, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "navi-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": "manipal-cigna", "insurer_name": "ManipalCigna Health Insurance", "insurer_slug": "manipal-cigna", "value": 33, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "manipal-cigna", "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": "zuno-general", "insurer_name": "Zuno General Insurance", "insurer_slug": "zuno-general", "value": 38, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30_NL-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-11", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "new-india-assurance", "insurer_name": "New India Assurance", "insurer_slug": "new-india-assurance", "value": 15.14, "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": "2025-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "zurich-kotak", "insurer_name": "Zurich Kotak General Insurance", "insurer_slug": "zurich-kotak", "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 } }, { "insurer_id": "raheja-qbe", "insurer_name": "Raheja QBE General Insurance", "insurer_slug": "raheja-qbe", "value": 61.1, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "raheja-qbe", "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": "aditya-birla-health", "insurer_name": "Aditya Birla Health Insurance", "insurer_slug": "aditya-birla-health", "value": 37, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "aditya-birla-health", "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": "niva-bupa", "insurer_name": "Niva Bupa Health Insurance", "insurer_slug": "niva-bupa", "value": 37.99, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "niva-bupa", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "2025-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-09", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "iffco-tokio", "insurer_name": "IFFCO Tokio General Insurance", "insurer_slug": "iffco-tokio", "value": 26.21, "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 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "shriram-general", "insurer_name": "Shriram General Insurance", "insurer_slug": "shriram-general", "value": 31.74, "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": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value 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": "magma-general", "insurer_name": "Magma General Insurance", "insurer_slug": "magma-general", "value": 29.97, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "magma-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": "star-health", "insurer_name": "Star Health Insurance", "insurer_slug": "star-health", "value": 32.86, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "star-health", "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": "ecgc", "insurer_name": "ECGC", "insurer_slug": "ecgc", "value": 27.41, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "ecgc", "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": 31, "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": "hdfc-ergo", "insurer_name": "HDFC ERGO General Insurance", "insurer_slug": "hdfc-ergo", "value": 31.66, "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 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "liberty-general", "insurer_name": "Liberty General Insurance", "insurer_slug": "liberty-general", "value": 37, "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": "cholamandalam-ms-general", "insurer_name": "Chola MS General Insurance", "insurer_slug": "cholamandalam-ms-general", "value": 34.76, "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": "2025-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "acko-general", "insurer_name": "Acko General Insurance", "insurer_slug": "acko-general", "value": 35.61, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "acko-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "Public_Disclosure_Q1_2025_26_88410d1158.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 text-fallback line match: expense_gdp", "source_page": null } }, { "insurer_id": "national-insurance", "insurer_name": "National Insurance Company", "insurer_slug": "national-insurance", "value": 27.08, "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": "agriculture-insurance", "insurer_name": "Agriculture Insurance Company of India", "insurer_slug": "agriculture-insurance", "value": 120, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "agriculture-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": "tata-aig", "insurer_name": "Tata AIG General Insurance", "insurer_slug": "tata-aig", "value": 31, "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": "cholamandalam-ms-general", "insurer_name": "Chola MS General Insurance", "insurer_slug": "cholamandalam-ms-general", "value": 32.64, "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": "2025-03-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "go-digit-general", "insurer_name": "Digit General Insurance", "insurer_slug": "go-digit-general", "value": 39.34, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "go-digit-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 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "kshema-general", "insurer_name": "Kshema General Insurance", "insurer_slug": "kshema-general", "value": 86.85, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "kshema-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 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "new-india-assurance", "insurer_name": "New India Assurance", "insurer_slug": "new-india-assurance", "value": 18.05, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "new-india-assurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "2025-03-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "oriental-insurance", "insurer_name": "Oriental Insurance Company", "insurer_slug": "oriental-insurance", "value": 28.51, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "oriental-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "NL-20_NL_20_F_31_3_25_1cdf5efa72.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-28", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "iffco-tokio", "insurer_name": "IFFCO Tokio General Insurance", "insurer_slug": "iffco-tokio", "value": 28.79, "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 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "hdfc-ergo", "insurer_name": "HDFC ERGO General Insurance", "insurer_slug": "hdfc-ergo", "value": 30.71, "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 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "zurich-kotak", "insurer_name": "Zurich Kotak General Insurance", "insurer_slug": "zurich-kotak", "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 } }, { "insurer_id": "zuno-general", "insurer_name": "Zuno General Insurance", "insurer_slug": "zuno-general", "value": 39, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "2025-03-31_NL-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-11", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "generali-central", "insurer_name": "Generali Central Insurance (formerly Future Generali)", "insurer_slug": "generali-central", "value": 32, "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 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "bajaj-allianz-general", "insurer_name": "Bajaj Allianz General Insurance", "insurer_slug": "bajaj-allianz-general", "value": 35.12, "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 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "acko-general", "insurer_name": "Acko General Insurance", "insurer_slug": "acko-general", "value": 45.04, "unit": "%", "reporting_period_label": "Q4 FY24-25", "reporting_period_end": "2025-03-31", "provenance": { "reported_by": "acko-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY24-25", "source_document": "Public_Disclosure_Q4_2024_25_b9e980b08e.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 text-fallback line match: expense_gdp", "source_page": null } }, { "insurer_id": "acko-general", "insurer_name": "Acko General Insurance", "insurer_slug": "acko-general", "value": 46.66, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "acko-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "Public_Disclosure_Q3_2024_25_fe3c0d6ef7.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 text-fallback line match: expense_gdp", "source_page": null } }, { "insurer_id": "zurich-kotak", "insurer_name": "Zurich Kotak General Insurance", "insurer_slug": "zurich-kotak", "value": 39, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "2024-12-31_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 } }, { "insurer_id": "cholamandalam-ms-general", "insurer_name": "Chola MS General Insurance", "insurer_slug": "cholamandalam-ms-general", "value": 36.53, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "2024-12-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "new-india-assurance", "insurer_name": "New India Assurance", "insurer_slug": "new-india-assurance", "value": 19.37, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "new-india-assurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "2024-12-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "hdfc-ergo", "insurer_name": "HDFC ERGO General Insurance", "insurer_slug": "hdfc-ergo", "value": 32.29, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "hdfc-ergo-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "2024-12-31_NL-20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "generali-central", "insurer_name": "Generali Central Insurance (formerly Future Generali)", "insurer_slug": "generali-central", "value": 29, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "generali-central", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "FY2024-25_Q3.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-26", "extraction_note": "NL-20 row-format label match: expense_gdp", "source_page": null } }, { "insurer_id": "go-digit-general", "insurer_name": "Digit General Insurance", "insurer_slug": "go-digit-general", "value": 42.43, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "go-digit-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", 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Republication with attribution permitted subject to applicable Indian law." } }