Kshema General Insurance Net Retention Ratio
84.0%
Q1 FY26-27
Kshema General Insurance's net retention ratio was 83.99% 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 | 84.0 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q4 FY25-26 | 46.9 % | NL-20-ANALYTICAL-RATIOS | 2026-11-03 |
| Q3 FY25-26 | 58.8 % | NL-20-ANALYTICAL-RATIOS | 2026-10-27 |
| Q2 FY25-26 | 65.0 % | NL-20-ANALYTICAL-RATIOS | 2026-10-27 |
| Q1 FY25-26 | 68.8 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q4 FY24-25 | 52.5 % | NL-20-ANALYTICAL-RATIOS | 2026-10-29 |
| Q4 FY23-24 | 0.0 % | NL-20-ANALYTICAL-RATIOS | 2026-10-29 |
Provenance
- Reported by
- Kshema 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 · Kshema 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.