HDFC ERGO General Insurance Expense Ratio (General/Health)
23.1%
Q1 FY26-27
HDFC ERGO General Insurance's expense ratio was 23.08% for Q1 FY26-27, as reported in IRDAI form NL-20-ANALYTICAL-RATIOS.
What this measures
Expense of Management (EOM) as a percentage of Net Written Premium, from IRDAI NL-20. Measures operating cost efficiency after reinsurance cession.
Note: Two NL expense ratios exist: EOM/NWP (this metric) and EOM/Gross Direct Premium. Do not substitute denominators without disclosure.
Historical Data
| Period | Value | Source form | Data as of |
|---|---|---|---|
| Q1 FY26-27 | 23.1 % | NL-20-ANALYTICAL-RATIOS | 2026-09-10 |
| Q4 FY25-26 | 25.9 % | NL-20-ANALYTICAL-RATIOS | 2026-09-10 |
| Q3 FY25-26 | 29.3 % | NL-20-ANALYTICAL-RATIOS | 2026-09-10 |
| Q2 FY25-26 | 25.2 % | NL-20-ANALYTICAL-RATIOS | 2026-09-10 |
| Q1 FY25-26 | 28.3 % | NL-20-ANALYTICAL-RATIOS | 2026-10-31 |
| Q4 FY24-25 | 41.9 % | NL-20-ANALYTICAL-RATIOS | 2026-10-31 |
| Q3 FY24-25 | 47.3 % | NL-20-ANALYTICAL-RATIOS | 2026-09-10 |
| Q2 FY24-25 | 21.6 % | NL-20-ANALYTICAL-RATIOS | 2026-09-10 |
| Q1 FY24-25 | 28.5 % | NL-20-ANALYTICAL-RATIOS | 2026-09-10 |
| Q4 FY23-24 | 26.3 % | NL-20-ANALYTICAL-RATIOS | 2026-09-10 |
Provenance
- Reported by
- HDFC ERGO General Insurance
- Regulatory form
- NL-20-ANALYTICAL-RATIOS · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- 2026-06-30_NL-20.pdf · HDFC ERGO General Insurance's disclosure page
- Extracted by
- nonlife_adapter.py v1
- Last verified
- 2026-09-10
- Note
- NL-20 row-format label match: expense_nwp