Required Solvency Margin in Indian Insurance

Definition

Required Solvency Margin (RSM) in ₹ lakh — the minimum capital buffer mandated by IRDAI, calculated from net written premium and net incurred claims. The denominator of the Solvency Ratio (ASM ÷ RSM). A higher RSM indicates a larger, more risk-exposed business.

Note: NL-20 analytical ratios. IRDAI minimum solvency ratio is 1.5× (ASM must be ≥ 1.5 × RSM).

All Insurers

Latest available value per insurer (periods range from Q4 FY24-25 – Q1 FY26-27 — see the Period column for each insurer's actual reporting date)

This is a size metric. A larger value means the insurer is bigger — it is not a performance indicator. No rank position is shown.

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