Zurich Kotak General Insurance Net Retention Ratio
73.0%
Q1 FY26-27
Zurich Kotak General Insurance's net retention ratio was 73% 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 | 73.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-11 |
| Q4 FY25-26 | 62.0 % | NL-20-ANALYTICAL-RATIOS | 2026-10-31 |
| Q3 FY25-26 | 68.0 % | NL-20-ANALYTICAL-RATIOS | 2026-10-27 |
| Q2 FY25-26 | 72.0 % | NL-20-ANALYTICAL-RATIOS | 2026-10-27 |
| Q1 FY25-26 | 82.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-11 |
| Q4 FY24-25 | 75.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-11 |
| Q3 FY24-25 | 68.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-11 |
| Q2 FY24-25 | 72.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-11 |
| Q1 FY24-25 | 70.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-11 |
| Q4 FY23-24 | 70.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-11 |
| Q3 FY23-24 | 70.0 % | 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: net_retention