Debt Service Coverage Ratio in Indian Insurance
×generalhealthRegulatory native
Definition
Earnings available for debt service (net profit + depreciation + interest) divided by total debt service obligations (principal repayments + interest). A DSCR above 1× means the insurer generates enough operating cash flow to cover all debt obligations. A ratio below 1× indicates potential inability to service debt from operations.
Note: NL-20 analytical ratios. Primarily relevant for insurers with material borrowings. A ratio of 0 or not applicable means the insurer has no debt to service.
Source form: NL-20 ·Source documents
Highest to Lowest
Latest available value per insurer — Q1 FY26-27
| # | Insurer | Debt Service Coverage Ratio (×) | Period |
|---|---|---|---|
| 1 | Chola MS General Insurance | 56.25 | Q1 FY26-27 |
| 2 | Tata AIG General Insurance | 24.51 | Q1 FY26-27 |
| 3 | Reliance General Insurance | 1.03 | Q1 FY26-27 |
| 4 | ICICI Lombard General Insurance | 0.00 | Q1 FY26-27 |
Source: IRDAI public disclosures (NL-20). Click an insurer name for full provenance and historical data.
Machine-readable: this metric as JSON · all facts as CSV