Chola MS General Insurance Combined Ratio
120.4%
Q1 FY26-27
Cholamandalam MS General Insurance's combined ratio was 120.4% for Q1 FY26-27, as reported in IRDAI form NL-20-ANALYTICAL-RATIOS.
What this measures
Sum of the Incurred Claims Ratio and the Expense of Management Ratio as defined in IRDAI NL-20. Below 100% = underwriting profitability. Note: two different denominators — net earned premium (claims) and net written premium (expenses).
Note: Regulatory-native from NL-20. Not applicable to life insurers (different accounting model).
Historical Data
| Period | Value | Source form | Data as of |
|---|---|---|---|
| Q1 FY26-27 | 120.4 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q4 FY25-26 | 112.8 % | NL-20-ANALYTICAL-RATIOS | 2026-11-03 |
| Q3 FY25-26 | 117.7 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q2 FY25-26 | 115.8 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q1 FY25-26 | 114.8 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q4 FY24-25 | 109.3 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q3 FY24-25 | 111.7 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q2 FY24-25 | 110.6 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q1 FY24-25 | 108.8 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q4 FY23-24 | 108.3 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q3 FY23-24 | 110.3 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q2 FY23-24 | 108.3 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q1 FY23-24 | 112.9 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q4 FY22-23 | 104.2 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q3 FY22-23 | 107.7 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q2 FY22-23 | 112.4 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q1 FY22-23 | 114.9 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q4 FY21-22 | 105.6 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q3 FY21-22 | 105.9 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q2 FY21-22 | 112.5 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
Provenance
- Reported by
- Chola MS General Insurance
- Regulatory form
- NL-20-ANALYTICAL-RATIOS · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- Public_Disclosure_for_Q1_FY_2026-27.pdf · Chola MS General Insurance's disclosure page
- Extracted by
- irw_adapter v1
- Last verified
- 2026-10-26
- Note
- NL-20 row-format label match: combined_ratio