Net NPA Ratio in Indian Insurance
Definition
Net Non-Performing Assets (after specific provisions) as a percentage of total investments. Lower than the Gross NPA ratio by the provisions set aside against identified bad assets. A low net NPA ratio despite a moderate gross NPA ratio indicates adequate provisioning.
Note: NL-20 analytical ratios. Net NPA = Gross NPA minus provisions held. Provisions reduce the balance sheet exposure but not the underlying credit event.
Source form: NL-20 ·Source documents
Lowest to Highest
Latest available value per insurer (periods range from Q1 FY21-22 – Q1 FY26-27 — see the Period column for each insurer's actual reporting date)
| # | Insurer | Net NPA Ratio (%) | Period |
|---|---|---|---|
| 1 | Zuno General Insurance | 0.00 | Q1 FY26-27 |
| 2 | Agriculture Insurance Company of India | 0.00 | Q1 FY26-27 |
| 3 | Niva Bupa Health Insurance | 0.00 | Q1 FY26-27 |
| 4 | Bajaj Allianz General Insurance | 0.00 | Q1 FY26-27 |
| 5 | Reliance General Insurance | 0.00 | Q1 FY26-27 |
| 6 | Aditya Birla Health Insurance | 0.00 | Q1 FY26-27 |
| 7 | New India Assurance | 0.00 | Q1 FY26-27 |
| 8 | Raheja QBE General Insurance | 0.00 | Q4 FY25-26 |
| 9 | United India Insurance | 0.00 | Q4 FY25-26 |
| 10 | Navi General Insurance | 0.00 | Q2 FY25-26 |
| 11 | HDFC ERGO General Insurance | 0.00 | Q1 FY25-26 |
| 12 | Star Health Insurance | 0.00 | Q2 FY24-25 |
| 13 | IFFCO Tokio General Insurance | 0.00 | Q3 FY23-24 |
| 14 | Oriental Insurance Company | 0.00 | Q1 FY22-23 |
| 15 | Royal Sundaram General Insurance | 0.01 | Q4 FY25-26 |
| 16 | Acko General Insurance | 0.59 | Q1 FY21-22 |
| 17 | Chola MS General Insurance | 9.00 | Q3 FY22-23 |
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