Zurich Kotak General Insurance Combined Ratio
132.0%
Q1 FY26-27
Zurich Kotak General Insurance's combined ratio was 132% for Q1 FY26-27, as reported in IRDAI form NL-20-ANALYTICAL-RATIOS.
What this measures
Sum of the Incurred Claims Ratio and the Expense of Management Ratio as defined in IRDAI NL-20. Below 100% = underwriting profitability. Note: two different denominators — net earned premium (claims) and net written premium (expenses).
Note: Regulatory-native from NL-20. Not applicable to life insurers (different accounting model).
Historical Data
| Period | Value | Source form | Data as of |
|---|---|---|---|
| Q1 FY26-27 | 132.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-11 |
| Q4 FY25-26 | 139.0 % | NL-20-ANALYTICAL-RATIOS | 2026-10-31 |
| Q3 FY25-26 | 122.0 % | NL-20-ANALYTICAL-RATIOS | 2026-10-27 |
| Q2 FY25-26 | 113.0 % | NL-20-ANALYTICAL-RATIOS | 2026-10-27 |
| Q1 FY25-26 | 122.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-11 |
| Q4 FY24-25 | 123.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-11 |
| Q3 FY24-25 | 122.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-11 |
| Q2 FY24-25 | 113.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-11 |
| Q1 FY24-25 | 115.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-11 |
| Q4 FY23-24 | 116.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-11 |
| Q3 FY23-24 | 111.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-11 |
Provenance
- Reported by
- Zurich Kotak 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 · Zurich Kotak General Insurance's disclosure page
- Extracted by
- nonlife_adapter.py v1
- Last verified
- 2026-09-11
- Note
- NL-20 row-format label match: combined_ratio