HDFC ERGO General Insurance Operating Profit Ratio
12.3%
Q1 FY26-27
HDFC ERGO General Insurance's operating profit ratio was 12.35% for Q1 FY26-27, as reported in IRDAI form NL-20-ANALYTICAL-RATIOS.
What this measures
Operating profit as a percentage of Net Written Premium. Operating profit = Underwriting Balance + Net Investment Income. Unlike the underwriting balance ratio, this includes investment returns — making it positive for most insurers even when underwriting is in deficit.
Note: NL-20 analytical ratios. Display with sign. A positive operating profit ratio with a negative underwriting balance ratio indicates the insurer relies on investment income to cover underwriting losses.
Historical Data
| Period | Value | Source form | Data as of |
|---|---|---|---|
| Q1 FY26-27 | 12.3 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q1 FY25-26 | 10.7 % | NL-20-ANALYTICAL-RATIOS | 2026-10-31 |
| Q4 FY24-25 | -0.0 % | NL-20-ANALYTICAL-RATIOS | 2026-10-31 |
Provenance
- Reported by
- HDFC ERGO General Insurance
- Regulatory form
- NL-20-ANALYTICAL-RATIOS · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- textplor-vendor-2026-27-Q1.xlsx · HDFC ERGO General Insurance's disclosure page
- Extracted by
- EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)
- Last verified
- 2026-10-26
- Note
- Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.