Interest Service Coverage Ratio in Indian Insurance
×generalhealthRegulatory native
Definition
Earnings before interest and taxes (EBIT) divided by interest expense. Measures the insurer's ability to cover interest payments from operating earnings alone, without accounting for principal repayments. A ratio above 1× means operating earnings cover interest costs; below 1× is a warning sign.
Note: NL-20 analytical ratios. Higher than DSCR because it excludes principal repayments from the denominator. Primarily relevant for borrowing insurers.
Source form: NL-20 ·Source documents
Highest to Lowest
Latest available value per insurer — Q1 FY26-27
| # | Insurer | Interest 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