Royal Sundaram General Insurance Technical Reserves To Premium Ratio
7.6%
Q1 FY26-27
Royal Sundaram General Insurance's technical reserves to premium ratio was 7.64% 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 | 7.6 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
| Q1 FY25-26 | 8.1 % | NL-20-ANALYTICAL-RATIOS | 2026-10-26 |
Provenance
- Reported by
- Royal Sundaram 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 · Royal Sundaram 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.