IRDAI Insurance Public Disclosure Forms
Every metric on this platform traces back to a specific regulatory form. This is a reference index of what each form contains.
How the disclosure system works
Under IRDAI Circular IRDAI/F&A/CIR/MISC/256/09/2021, all registered insurers must file quarterly public disclosure documents. Life insurers file L-forms; general and standalone health insurers file NL-forms. Each PDF contains multiple forms covering different aspects of the insurer's financials and operations.
These PDFs are published on each insurer's own website — not on a single IRDAI page. The disclosure section is typically labelled "Public Disclosures" or "Regulatory Filings" on the insurer's website. Links are maintained on each insurer's profile page on this platform.
Life Insurer Forms (L-series)
Applies to: all 26 IRDAI-registered life insurers
| Form | Name | Key metrics |
|---|---|---|
| L-22 | Analytical Ratios | Solvency ratio (ASM/RSM), persistency by 5 tenors × regular/single × premium/count, expense ratio, new business premium growth rate |
| L-32 | Distribution of New Business | Premium by distribution channel (individual agents, bancassurance, brokers, direct, corporate agents) |
| L-36 | Premium Data — Individual Business | First-year, renewal, and single premium broken down by individual policy type |
| L-37 | Premium Data — Group Business | Group term, group savings premium |
| L-38 | New Business Policies | Number of new individual and group policies issued in the period |
| L-39 | In-Force Business | Number of in-force policies and sum assured, individual and group |
| L-40 | Claims Data | Claim settlement ratio, repudiation ratio, pending ratio — individual and group death claims, broken down by number and amount |
| L-41 | Grievance Data | Grievance rate (per 10,000 policies), resolution rate, pending ratio — by grievance type and channel |
Note: L-41 in life insurance is Grievance Data. Do not confuse with NL-41, which in the non-life series is Office Information (not grievances).
Non-Life Insurer Forms (NL-series)
Applies to: all 36 IRDAI-registered general and standalone health insurers
| Form | Name | Key metrics |
|---|---|---|
| NL-20 | Financial Indicators | Solvency ratio, combined ratio (loss + expense), incurred claims ratio (ICR), expense ratio — two denominator variants: NWP-based and GDP-based |
| NL-37 | Claims Reconciliation | Claim settlement ratio, repudiation ratio, CWOP (Claims Withdrawn or Pending) ratio — by segment (motor, health, fire, marine, others) |
NL-47 contains product-wise disclosures (by UIN/product). This form is used for product-level analysis and is not yet available on this platform (V2 roadmap).
Filing frequency and access
All forms are filed quarterly. Life insurers file within 45 days of the end of each quarter; non-life insurers within 60 days. Q4 (January–March) disclosures typically arrive by mid-June. Q1 (April–June) disclosures arrive by mid-August.
Each insurer publishes its own PDF on its disclosure page. There is no central IRDAI repository for all insurer PDFs — this is why aggregating this data into one place is the purpose of this platform.