Factuary

Chola MS General Insurance Incurred Claims Ratio

85.6%
Q1 FY26-27
Lower is better

Cholamandalam MS General Insurance's incurred claims ratio was 85.58% for Q1 FY26-27, as reported in IRDAI form NL-20-ANALYTICAL-RATIOS.

What this measures

Net incurred claims as a percentage of net earned premium, from IRDAI NL-20. Net incurred claims = gross claims incurred − reinsurance recoveries.

Note: NL-20 analytical ratios. Lower = better underwriting performance.

Historical Data

PeriodValueSource formData as of
Q1 FY26-2785.6 %NL-20-ANALYTICAL-RATIOS2026-10-26
Q4 FY25-2681.3 %NL-20-ANALYTICAL-RATIOS2026-11-03
Q3 FY25-2680.5 %NL-20-ANALYTICAL-RATIOS2026-10-26
Q2 FY25-2681.9 %NL-20-ANALYTICAL-RATIOS2026-10-26
Q1 FY25-2681.0 %NL-20-ANALYTICAL-RATIOS2026-10-26
Q4 FY24-2575.7 %NL-20-ANALYTICAL-RATIOS2026-10-26
Q3 FY24-2572.6 %NL-20-ANALYTICAL-RATIOS2026-10-26
Q2 FY24-2572.6 %NL-20-ANALYTICAL-RATIOS2026-10-26
Q1 FY24-2572.0 %NL-20-ANALYTICAL-RATIOS2026-10-26
Q4 FY23-2471.8 %NL-20-ANALYTICAL-RATIOS2026-10-26
Q3 FY23-2474.5 %NL-20-ANALYTICAL-RATIOS2026-10-26
Q2 FY23-2473.8 %NL-20-ANALYTICAL-RATIOS2026-10-26
Q1 FY23-2474.5 %NL-20-ANALYTICAL-RATIOS2026-10-26
Q4 FY22-2370.8 %NL-20-ANALYTICAL-RATIOS2026-10-26
Q3 FY22-2369.7 %NL-20-ANALYTICAL-RATIOS2026-10-26
Q2 FY22-2372.5 %NL-20-ANALYTICAL-RATIOS2026-10-26
Q1 FY22-2372.0 %NL-20-ANALYTICAL-RATIOS2026-10-26
Q4 FY21-2267.1 %NL-20-ANALYTICAL-RATIOS2026-10-26
Q3 FY21-2264.7 %NL-20-ANALYTICAL-RATIOS2026-10-26
Q2 FY21-2270.1 %NL-20-ANALYTICAL-RATIOS2026-10-26
FY20-2172.4 %Statement-132026-09-10
FY19-2075.0 %Statement-132026-09-10

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: icr
← All metrics for Chola MS General Insuranceincurred claims ratio across all insurers →Source documents