Zurich Kotak General Insurance Expense Ratio (General/Health)
46.0%
Q1 FY26-27
Zurich Kotak General Insurance's expense ratio was 46% for Q1 FY26-27, as reported in IRDAI form NL-20-ANALYTICAL-RATIOS.
What this measures
Expense of Management (EOM) as a percentage of Net Written Premium, from IRDAI NL-20. Measures operating cost efficiency after reinsurance cession.
Note: Two NL expense ratios exist: EOM/NWP (this metric) and EOM/Gross Direct Premium. Do not substitute denominators without disclosure.
Historical Data
| Period | Value | Source form | Data as of |
|---|---|---|---|
| Q1 FY26-27 | 46.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-11 |
| Q4 FY25-26 | 50.0 % | NL-20-ANALYTICAL-RATIOS | 2026-10-31 |
| Q3 FY25-26 | 47.0 % | NL-20-ANALYTICAL-RATIOS | 2026-10-27 |
| Q2 FY25-26 | 45.0 % | NL-20-ANALYTICAL-RATIOS | 2026-10-27 |
| Q1 FY25-26 | 38.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-11 |
| Q4 FY24-25 | 39.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-11 |
| Q3 FY24-25 | 47.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-11 |
| Q2 FY24-25 | 45.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-11 |
| Q1 FY24-25 | 48.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-11 |
| Q4 FY23-24 | 47.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-11 |
| Q3 FY23-24 | 51.0 % | 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: expense_nwp