National Insurance Company Technical Reserves To Premium Ratio
913.0%
Q1 FY26-27
National Insurance Company's technical reserves to premium ratio was 913% 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 | 913.0 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q4 FY25-26 | 914.0 % | NL-20-ANALYTICAL-RATIOS | 2026-10-31 |
| Q3 FY25-26 | 625.0 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q2 FY25-26 | 890.0 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q1 FY25-26 | 9.6 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
Provenance
- Reported by
- National Insurance Company
- Regulatory form
- NL-20-ANALYTICAL-RATIOS · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- pdfs/national-insurance/NL-20-ANALYTICAL RATIOS SCHEDULE.pdf · National Insurance Company's disclosure page
- Extracted by
- irw_adapter v1
- Last verified
- 2026-10-26
- Note
- NL-20 row: Technical Reserves to net premium ratio **