{ "metric": { "id": "financial.technical_reserves_to_premium_ratio", "slug": "technical-reserves-to-premium", "name": "Technical Reserves to Net Premium Ratio", "metric_short_name": "technical reserves to premium ratio", "unit": "%", "definition": "Technical Reserves (unexpired risk reserves + outstanding claims reserves + IBNR) as a percentage of Net Written Premium. Measures the adequacy of liabilities held for future obligations relative to premium volume. A very low ratio may indicate under-reserving; a very high ratio may reflect conservative provisioning or a long-tail portfolio.", "higher_is_better": null, "metric_status": "regulatory_native", "regulatory_form": "NL-20", "applicable_to": [ "general", "health" ] }, "facts": [ { "insurer_id": "ecgc", "insurer_name": "ECGC", "insurer_slug": "ecgc", "value": 17.05, "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": "zuno-general", "insurer_name": "Zuno General Insurance", "insurer_slug": "zuno-general", "value": 6.26, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "insurer_id": "sbi-general", "insurer_name": "SBI General Insurance", "insurer_slug": "sbi-general", "value": 6.73, "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": "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": 4.22, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "universal-sompo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "insurer_id": "bajaj-allianz-general", "insurer_name": "Bajaj Allianz General Insurance", "insurer_slug": "bajaj-allianz-general", "value": 7.26, "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": "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": "agriculture-insurance", "insurer_name": "Agriculture Insurance Company of India", "insurer_slug": "agriculture-insurance", "value": -176.5, "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": "galaxy-health", "insurer_name": "Galaxy Health Insurance", "insurer_slug": "galaxy-health", "value": 1.76, "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": "kshema-general", "insurer_name": "Kshema General Insurance", "insurer_slug": "kshema-general", "value": 611.94, "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": "raheja-qbe", "insurer_name": "Raheja QBE General Insurance", "insurer_slug": "raheja-qbe", "value": 19.61, "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": "united-india", "insurer_name": "United India Insurance", "insurer_slug": "united-india", "value": 9, "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": "care-health", "insurer_name": "Care Health Insurance", "insurer_slug": "care-health", "value": 2.27, "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": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "insurer_id": "reliance-general", "insurer_name": "Reliance General Insurance", "insurer_slug": "reliance-general", "value": 9.08, "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "generali-central", "insurer_name": "Generali Central Insurance (formerly Future Generali)", "insurer_slug": "generali-central", "value": 695.3, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "generali-central", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "insurer_id": "cholamandalam-ms-general", "insurer_name": "Chola MS General Insurance", "insurer_slug": "cholamandalam-ms-general", "value": 9.85, "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "star-health", "insurer_name": "Star Health Insurance", "insurer_slug": "star-health", "value": 277.6, "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": "national-insurance", "insurer_name": "National Insurance Company", "insurer_slug": "national-insurance", "value": 913, "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: Technical Reserves to net premium ratio **", "source_page": 1 } }, { "insurer_id": "oriental-insurance", "insurer_name": "Oriental Insurance Company", "insurer_slug": "oriental-insurance", "value": 6.94, "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_nl20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "narayana-health-insurance", "insurer_name": "Narayana Health Insurance", "insurer_slug": "narayana-health-insurance", "value": 2.36, "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": "liberty-general", "insurer_name": "Liberty General Insurance", "insurer_slug": "liberty-general", "value": 6.53, "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": 7.4, "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "magma-general", "insurer_name": "Magma General Insurance", "insurer_slug": "magma-general", "value": 8.51, "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": "zurich-kotak", "insurer_name": "Zurich Kotak General Insurance", "insurer_slug": "zurich-kotak", "value": 5.39, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "insurer_id": "hdfc-ergo", "insurer_name": "HDFC ERGO General Insurance", "insurer_slug": "hdfc-ergo", "value": 8.76, "unit": "%", "reporting_period_label": "Q1 FY26-27", "reporting_period_end": "2026-06-30", "provenance": { "reported_by": "hdfc-ergo", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY26-27", "source_document": "textplor-vendor-2026-27-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "insurer_id": "go-digit-general", "insurer_name": "Digit General Insurance", "insurer_slug": "go-digit-general", "value": 7.26, "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": "acko-general", "insurer_name": "Acko General Insurance", "insurer_slug": "acko-general", "value": 364, "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "tata-aig", "insurer_name": "Tata AIG General Insurance", "insurer_slug": "tata-aig", "value": 6.02, "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "iffco-tokio", "insurer_name": "IFFCO Tokio General Insurance", "insurer_slug": "iffco-tokio", "value": 9.07, "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": "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "aditya-birla-health", "insurer_name": "Aditya Birla Health Insurance", "insurer_slug": "aditya-birla-health", "value": 2.03, "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": "navi-general", "insurer_name": "Navi General Insurance", "insurer_slug": "navi-general", "value": 5.3, "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": "niva-bupa", "insurer_name": "Niva Bupa Health Insurance", "insurer_slug": "niva-bupa", "value": 2.7, "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": "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": 5.33, "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": "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "royal-sundaram", "insurer_name": "Royal Sundaram General Insurance", "insurer_slug": "royal-sundaram", "value": 7.64, "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": "manipal-cigna", "insurer_name": "ManipalCigna Health Insurance", "insurer_slug": "manipal-cigna", "value": 262, "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": "shriram-general", "insurer_name": "Shriram General Insurance", "insurer_slug": "shriram-general", "value": 1079.92, "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "cholamandalam-ms-general", "insurer_name": "Chola MS General Insurance", "insurer_slug": "cholamandalam-ms-general", "value": 7.63, "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": "2026-03-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "new-india-assurance", "insurer_name": "New India Assurance", "insurer_slug": "new-india-assurance", "value": 1.47, "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": "2026-03-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "oriental-insurance", "insurer_name": "Oriental Insurance Company", "insurer_slug": "oriental-insurance", "value": 0, "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": "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "icici-lombard", "insurer_name": "ICICI Lombard General Insurance", "insurer_slug": "icici-lombard", "value": 7.3, "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": "2026-03-31_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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "reliance-general", "insurer_name": "Reliance General Insurance", "insurer_slug": "reliance-general", "value": 10.28, "unit": "%", "reporting_period_label": "Q4 FY25-26", "reporting_period_end": "2026-03-31", "provenance": { "reported_by": "reliance-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY25-26", "source_document": "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "ecgc", "insurer_name": "ECGC", "insurer_slug": "ecgc", "value": 3.6, "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": "NL_till_now_fy2526_q4.pdf", "source_url": "https://main.ecgc.in/english/wp-content/uploads/2026/04/NL_till_now_fy2526_q4.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": "acko-general", "insurer_name": "Acko General Insurance", "insurer_slug": "acko-general", "value": 442, "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "national-insurance", "insurer_name": "National Insurance Company", "insurer_slug": "national-insurance", "value": 914, "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: Technical Reserves to net premium ratio **", "source_page": 1 } }, { "insurer_id": "national-insurance", "insurer_name": "National Insurance Company", "insurer_slug": "national-insurance", "value": 625, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "national-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 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: Technical Reserves to net premium ratio **", "source_page": 1 } }, { "insurer_id": "ecgc", "insurer_name": "ECGC", "insurer_slug": "ecgc", "value": 5.83, "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": "oriental-insurance", "insurer_name": "Oriental Insurance Company", "insurer_slug": "oriental-insurance", "value": 0.1, "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": "2025-12-31_nl20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "acko-general", "insurer_name": "Acko General Insurance", "insurer_slug": "acko-general", "value": 383, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "acko-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "Public_Disclosure_Q3_2025_26_dcc0682a64.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 text-fallback line match: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "icici-lombard", "insurer_name": "ICICI Lombard General Insurance", "insurer_slug": "icici-lombard", "value": 776.3, "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": "2025-12-31_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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "iffco-tokio", "insurer_name": "IFFCO Tokio General Insurance", "insurer_slug": "iffco-tokio", "value": 3, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "iffco-tokio", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "2025-12-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "cholamandalam-ms-general", "insurer_name": "Chola MS General Insurance", "insurer_slug": "cholamandalam-ms-general", "value": 8.37, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "2025-12-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "reliance-general", "insurer_name": "Reliance General Insurance", "insurer_slug": "reliance-general", "value": 10.59, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "reliance-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "2025-12-31_nl20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "new-india-assurance", "insurer_name": "New India Assurance", "insurer_slug": "new-india-assurance", "value": 1.45, "unit": "%", "reporting_period_label": "Q3 FY25-26", "reporting_period_end": "2025-12-31", "provenance": { "reported_by": "new-india-assurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY25-26", "source_document": "2025-12-31.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "reliance-general", "insurer_name": "Reliance General Insurance", "insurer_slug": "reliance-general", "value": 9.98, "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "icici-lombard", "insurer_name": "ICICI Lombard General Insurance", "insurer_slug": "icici-lombard", "value": 8.6, "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": "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "iffco-tokio", "insurer_name": "IFFCO Tokio General Insurance", "insurer_slug": "iffco-tokio", "value": 4.7, "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": "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "acko-general", "insurer_name": "Acko General Insurance", "insurer_slug": "acko-general", "value": 422, "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "national-insurance", "insurer_name": "National Insurance Company", "insurer_slug": "national-insurance", "value": 890, "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: Technical Reserves to net premium ratio **", "source_page": 1 } }, { "insurer_id": "new-india-assurance", "insurer_name": "New India Assurance", "insurer_slug": "new-india-assurance", "value": 1.44, "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": "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "oriental-insurance", "insurer_name": "Oriental Insurance Company", "insurer_slug": "oriental-insurance", "value": 0.02, "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": "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "ecgc", "insurer_name": "ECGC", "insurer_slug": "ecgc", "value": 8.69, "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": "cholamandalam-ms-general", "insurer_name": "Chola MS General Insurance", "insurer_slug": "cholamandalam-ms-general", "value": 8.65, "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "cholamandalam-ms-general", "insurer_name": "Chola MS General Insurance", "insurer_slug": "cholamandalam-ms-general", "value": 9.82, "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "united-india", "insurer_name": "United India Insurance", "insurer_slug": "united-india", "value": 7, "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": "liberty-general", "insurer_name": "Liberty General Insurance", "insurer_slug": "liberty-general", "value": 4.57, "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": "zurich-kotak", "insurer_name": "Zurich Kotak General Insurance", "insurer_slug": "zurich-kotak", "value": 4.63, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zurich-kotak", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "insurer_id": "hdfc-ergo", "insurer_name": "HDFC ERGO General Insurance", "insurer_slug": "hdfc-ergo", "value": 10.42, "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": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "insurer_id": "new-india-assurance", "insurer_name": "New India Assurance", "insurer_slug": "new-india-assurance", "value": 5.15, "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "aditya-birla-health", "insurer_name": "Aditya Birla Health Insurance", "insurer_slug": "aditya-birla-health", "value": 2.22, "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": "star-health", "insurer_name": "Star Health Insurance", "insurer_slug": "star-health", "value": 290.13, "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": "sbi-general", "insurer_name": "SBI General Insurance", "insurer_slug": "sbi-general", "value": 7.01, "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": "galaxy-health", "insurer_name": "Galaxy Health Insurance", "insurer_slug": "galaxy-health", "value": 1.23, "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": "icici-lombard", "insurer_name": "ICICI Lombard General Insurance", "insurer_slug": "icici-lombard", "value": 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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "acko-general", "insurer_name": "Acko General Insurance", "insurer_slug": "acko-general", "value": 496, "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "raheja-qbe", "insurer_name": "Raheja QBE General Insurance", "insurer_slug": "raheja-qbe", "value": 9.65, "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": "magma-general", "insurer_name": "Magma General Insurance", "insurer_slug": "magma-general", "value": 7.39, "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": "reliance-general", "insurer_name": "Reliance General Insurance", "insurer_slug": "reliance-general", "value": 8.67, "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "go-digit-general", "insurer_name": "Digit General Insurance", "insurer_slug": "go-digit-general", "value": 6.99, "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": "oriental-insurance", "insurer_name": "Oriental Insurance Company", "insurer_slug": "oriental-insurance", "value": 6.71, "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": "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "iffco-tokio", "insurer_name": "IFFCO Tokio General Insurance", "insurer_slug": "iffco-tokio", "value": 9.7, "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": "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "ecgc", "insurer_name": "ECGC", "insurer_slug": "ecgc", "value": 18.15, "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": "niva-bupa", "insurer_name": "Niva Bupa Health Insurance", "insurer_slug": "niva-bupa", "value": 2.63, "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": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "insurer_id": "shriram-general", "insurer_name": "Shriram General Insurance", "insurer_slug": "shriram-general", "value": 1203.48, "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": "tata-aig", "insurer_name": "Tata AIG General Insurance", "insurer_slug": "tata-aig", "value": 8.23, "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": "care-health", "insurer_name": "Care Health Insurance", "insurer_slug": "care-health", "value": 2.59, "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": "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": "national-insurance", "insurer_name": "National Insurance Company", "insurer_slug": "national-insurance", "value": 9.58, "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": "bajaj-allianz-general", "insurer_name": "Bajaj Allianz General Insurance", "insurer_slug": "bajaj-allianz-general", "value": 8.02, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "bajaj-allianz-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "insurer_id": "navi-general", "insurer_name": "Navi General Insurance", "insurer_slug": "navi-general", "value": 9.09, "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": "agriculture-insurance", "insurer_name": "Agriculture Insurance Company of India", "insurer_slug": "agriculture-insurance", "value": 71.03, "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": "zuno-general", "insurer_name": "Zuno General Insurance", "insurer_slug": "zuno-general", "value": 694, "unit": "%", "reporting_period_label": "Q1 FY25-26", "reporting_period_end": "2025-06-30", "provenance": { "reported_by": "zuno-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY25-26", "source_document": "textplor-vendor-2025-26-Q1.xlsx", "source_url": null, "extracted_by": "EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)", "last_verified": "2026-10-26", "extraction_note": "Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.", "source_page": null } }, { "insurer_id": "royal-sundaram", "insurer_name": "Royal Sundaram General Insurance", "insurer_slug": "royal-sundaram", "value": 8.05, "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": "manipal-cigna", "insurer_name": "ManipalCigna Health Insurance", "insurer_slug": "manipal-cigna", "value": 268, "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": "generali-central", "insurer_name": "Generali Central Insurance (formerly Future Generali)", "insurer_slug": "generali-central", "value": 6.62, "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": "kshema-general", "insurer_name": "Kshema General Insurance", "insurer_slug": "kshema-general", "value": 1.66, "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": "cholamandalam-ms-general", "insurer_name": "Chola MS General Insurance", "insurer_slug": "cholamandalam-ms-general", "value": 8.65, "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "acko-general", "insurer_name": "Acko General Insurance", "insurer_slug": "acko-general", "value": 494, "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "oriental-insurance", "insurer_name": "Oriental Insurance Company", "insurer_slug": "oriental-insurance", "value": -0.16, "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": "2025-03-31_nl20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "new-india-assurance", "insurer_name": "New India Assurance", "insurer_slug": "new-india-assurance", "value": 1.46, "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "iffco-tokio", "insurer_name": "IFFCO Tokio General Insurance", "insurer_slug": "iffco-tokio", "value": 2.17, "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": "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "oriental-insurance", "insurer_name": "Oriental Insurance Company", "insurer_slug": "oriental-insurance", "value": 0.18, "unit": "%", "reporting_period_label": "Q3 FY24-25", "reporting_period_end": "2024-12-31", "provenance": { "reported_by": "oriental-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY24-25", "source_document": "2024-12-31_nl20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "cholamandalam-ms-general", "insurer_name": "Chola MS General Insurance", "insurer_slug": "cholamandalam-ms-general", "value": 8.7, "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "acko-general", "insurer_name": "Acko General Insurance", "insurer_slug": "acko-general", "value": 442, "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "new-india-assurance", "insurer_name": "New India Assurance", "insurer_slug": "new-india-assurance", "value": 1.98, "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: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "acko-general", "insurer_name": "Acko General Insurance", "insurer_slug": "acko-general", "value": 417, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "acko-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "Public_Disclosure_Q2_2024_25_2_8bc4985a15.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 text-fallback line match: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "new-india-assurance", "insurer_name": "New India Assurance", "insurer_slug": "new-india-assurance", "value": 6.59, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "new-india-assurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "2024-09-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "cholamandalam-ms-general", "insurer_name": "Chola MS General Insurance", "insurer_slug": "cholamandalam-ms-general", "value": 8.76, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "2024-09-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "iffco-tokio", "insurer_name": "IFFCO Tokio General Insurance", "insurer_slug": "iffco-tokio", "value": 4.61, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "iffco-tokio", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "2024-09-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "oriental-insurance", "insurer_name": "Oriental Insurance Company", "insurer_slug": "oriental-insurance", "value": -0.01, "unit": "%", "reporting_period_label": "Q2 FY24-25", "reporting_period_end": "2024-09-30", "provenance": { "reported_by": "oriental-insurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q2 FY24-25", "source_document": "2024-09-30_nl20.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "cholamandalam-ms-general", "insurer_name": "Chola MS General Insurance", "insurer_slug": "cholamandalam-ms-general", "value": 9.59, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "cholamandalam-ms-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "2024-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "acko-general", "insurer_name": "Acko General Insurance", "insurer_slug": "acko-general", "value": 414, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "acko-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "Public_Disclosure_Q1_2024_25_1c7cda3d75.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 text-fallback line match: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "new-india-assurance", "insurer_name": "New India Assurance", "insurer_slug": "new-india-assurance", "value": 5.39, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "new-india-assurance", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "2024-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "iffco-tokio", "insurer_name": "IFFCO Tokio General Insurance", "insurer_slug": "iffco-tokio", "value": 9.45, "unit": "%", "reporting_period_label": "Q1 FY24-25", "reporting_period_end": "2024-06-30", "provenance": { "reported_by": "iffco-tokio", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q1 FY24-25", "source_document": "2024-06-30.pdf", "source_url": null, "extracted_by": "nonlife_adapter.py v1", "last_verified": "2026-09-10", "extraction_note": "NL-20 row-format label match: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "acko-general", "insurer_name": "Acko General Insurance", "insurer_slug": "acko-general", "value": 359, "unit": "%", "reporting_period_label": "Q4 FY23-24", "reporting_period_end": "2024-03-31", "provenance": { "reported_by": "acko-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q4 FY23-24", "source_document": "Public_Disclosure_Q4_2023_24_1_7583ccec37.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", "extraction_note": "NL-20 text-fallback line match: technical_reserves_ratio", "source_page": null } }, { "insurer_id": "acko-general", "insurer_name": "Acko General Insurance", "insurer_slug": "acko-general", "value": 334, "unit": "%", "reporting_period_label": "Q3 FY23-24", "reporting_period_end": "2023-12-31", "provenance": { "reported_by": "acko-general", "regulatory_form": "NL-20-ANALYTICAL-RATIOS", "reporting_period": "Q3 FY23-24", "source_document": "Public_Disclosure_Q3_2023-24.pdf", "source_url": null, "extracted_by": "irw_adapter v1", "last_verified": "2026-10-31", 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