Chola MS General Insurance Technical Reserves To Premium Ratio
9.8%
Q1 FY26-27
Cholamandalam MS General Insurance's technical reserves to premium ratio was 9.85% for Q1 FY26-27, as reported in IRDAI form NL-20-ANALYTICAL-RATIOS.
What this measures
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.
Note: NL-20 analytical ratios. Interpretation depends on the lines of business written — long-tail lines (liability, marine) carry reserves much longer than short-tail lines (motor OD, fire).
Historical Data
| Period | Value | Source form | Data as of |
|---|---|---|---|
| Q1 FY26-27 | 9.8 % | NL-20-ANALYTICAL-RATIOS | 2026-09-10 |
| Q4 FY25-26 | 7.6 % | NL-20-ANALYTICAL-RATIOS | 2026-09-10 |
| Q3 FY25-26 | 8.4 % | NL-20-ANALYTICAL-RATIOS | 2026-09-10 |
| Q2 FY25-26 | 8.7 % | NL-20-ANALYTICAL-RATIOS | 2026-09-10 |
| Q1 FY25-26 | 9.8 % | NL-20-ANALYTICAL-RATIOS | 2026-09-10 |
| Q4 FY24-25 | 8.7 % | NL-20-ANALYTICAL-RATIOS | 2026-09-10 |
| Q3 FY24-25 | 8.7 % | NL-20-ANALYTICAL-RATIOS | 2026-09-10 |
| Q2 FY24-25 | 8.8 % | NL-20-ANALYTICAL-RATIOS | 2026-09-10 |
| Q1 FY24-25 | 9.6 % | NL-20-ANALYTICAL-RATIOS | 2026-09-10 |
Provenance
- Reported by
- Chola MS General Insurance
- Regulatory form
- NL-20-ANALYTICAL-RATIOS · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- 2026-06-30.pdf · Chola MS General Insurance's disclosure page
- Extracted by
- nonlife_adapter.py v1
- Last verified
- 2026-09-10
- Note
- NL-20 row-format label match: technical_reserves_ratio