Chola MS General Insurance Net Retention Ratio
66.5%
Q1 FY26-27
Cholamandalam MS General Insurance's net retention ratio was 66.45% for Q1 FY26-27, as reported in IRDAI form NL-20-ANALYTICAL-RATIOS.
What this measures
Net Written Premium as a percentage of Gross Written Premium. Measures how much of the premium volume the insurer retains after ceding to reinsurers. A ratio near 100% means the insurer keeps most risk; a low ratio reflects heavy reinsurance dependence. Neither extreme is categorically better — appropriate retention depends on the insurer's capital position and line of business.
Note: NL-20 analytical ratios. Do not rank without context — a reinsurance-heavy strategy (low retention) may be prudent for catastrophe-exposed lines.
Historical Data
| Period | Value | Source form | Data as of |
|---|---|---|---|
| Q1 FY26-27 | 66.5 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q4 FY25-26 | 79.4 % | NL-20-ANALYTICAL-RATIOS | 2026-11-03 |
| Q3 FY25-26 | 73.0 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q2 FY25-26 | 72.9 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q1 FY25-26 | 70.7 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q4 FY24-25 | 74.2 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q3 FY24-25 | 75.6 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q2 FY24-25 | 69.0 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q1 FY24-25 | 69.3 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q4 FY23-24 | 75.7 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q3 FY23-24 | 74.1 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q2 FY23-24 | 68.2 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q1 FY23-24 | 72.0 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q4 FY22-23 | 74.4 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q3 FY22-23 | 76.9 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q2 FY22-23 | 73.8 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q1 FY22-23 | 71.7 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q4 FY21-22 | 75.5 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q3 FY21-22 | 71.7 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q2 FY21-22 | 74.2 % | 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: net_retention