S.

NO

PARTICULARS
(Amt. in Rs. Crs.)

National
Insurance Co.
Ltd. - Second
Quarter (201415)

National
Insurance Co.
Ltd. - Second
Quarter (201314)

New India
Assurance Co.
Ltd. - Second
Quarter (201415)

New India
Assurance Co.
Ltd. - Second
Quarter (201314)

Oriental
Insurance Co.
Ltd. - Second
Quarter (201415)

Oriental
Insurance Co.
Ltd. - Second
Quarter (201314)

1 GROSS PREMIUM

5415.57

4764.26

7727.55

6906.24

3878.45

3774.35

2
3
4
5
6

4988.27
4683.18
4012.13
296.68
1205.97

4360.56
4106.39
3297.97
286.24
997.56

6686.54
6225.90
5302.66
573.79
1409.80

5775.98
5386.24
4559.87
526.83
1215.08

3262.11
3217.95
2791.11
172.89
1063.61

3180.57
2942.47
2582.85
177.89
862.88

COMBINED RATIO (4+5+6/ 3)*100

7 [i.e in %]

117.76

111.58

117.03

117.00

125.16

123.15

8 Invt. Income excluding of Profit/Loss on Sale of Invt.

731.13

628.80

1225.22

1050.74

626.31

385.28

725.74
1456.87
NA
18.44
620.60
521.12

338.95
967.75
NA
14.17
492.37
420.47

889.38
2114.60
NA
9.24
1054.25
899.19

519.57
1570.31
NA
8.52
654.77
644.08

535.60
1161.91
NA
5.05
352.25
260.77

577.46
962.74
NA
4.93
281.59
192.63

9
10
11
12
13
14

NET PREMIUM
NET PREMIUM EARNED
INCURRED CLAIMS (NET)
COMMISSION (NET)
Management expenses (M.E.)

Invt. Income from Profit/Loss on Sale of Invt.

Total Investment Income
Other Income
Average Rate of Return (%)
Profit Before Tax (PBT)
Profit After Tax (PAT)

United Insurance
United Insurance
Co. Ltd. Co. Ltd. - Second
Second Quarter
Quarter (2013-14)
(2014-15)

5291.05

4768.16

4763.81
4394.75
3590.58
259.37
1146.96

4019.87
3961.49
3317.64
188.68
915.31

113.70

111.62

822.90

658.56

236.34
1059.24
8.15
8.87
465.24
376.24

294.17
952.73
-37.75
8.65
454.85
364.55

Parameters
(Amt in Rs Crs)

Fire

GROSS
PREMIUM Second
Quarter
(2014-15)

GROSS
PREMIUM Second
Quarter
(2013-14)

NET
NET PREMIUM
PREMIUM - Second
Second
Quarter
Quarter
(2014-15)
(2013-14)

Net
Retention %
- Second
Quarter
(2014-15)

Net
Retention
% - Second
Quarter
(2013-14)

NET PREMIUM
EARNED Second
Quarter
(2014-15)

NET
PREMIUM
EARNED Second
Quarter
(2013-14)

INCURRED
CLAIMS (NET) Second Quarter
(2014-15)

1368.87

1305.85

997.86

850.14

72.90

65.10

924.00

821.78

794.43

Marine (Cargo)

203.66

198.47

176.49

173.74

86.66

87.54

173.74

176.76

103.66

Marine(Hull)
Marine (Total)
Motor (OD)
Motor TP Total
Motor (Total)
Health
Liability
Personal
Accident
Workman
Compensation
Aviation
Engineering
Misc.Others
Total (misc)
Total

173.50
377.17
1646.68
1282.41
2929.09
2025.81
218.03

216.58
415.05
1473.35
1059.58
2532.94
1719.03
201.55

75.78
252.26
1552.77
1150.84
2703.61
1923.01
188.76

78.75
252.50
1376.78
935.82
2312.60
1629.19
166.60

43.67
66.88
94.30
89.74
92.30
94.93
86.58

36.36
60.84
93.45
88.32
91.30
94.77
82.65

78.75
252.50
1460.02
1036.95
2496.97
1776.10
177.68

141.85
318.61
1256.49
839.51
2096.00
1475.04
148.02

42.01
145.68
1063.26
1214.63
2277.89
1642.26
90.36

108.53

97.86

106.12

93.78

97.78

95.83

99.95

89.90

56.66

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

43.50
260.54
396.01
5981.51
7727.55

50.96
250.50
332.49
5185.34
6906.24

16.78
161.51
336.61
5436.41
6686.54

3.56
169.20
298.42
4673.35
5775.98

38.58
61.99
85.00
90.89
86.53

6.98
67.55
89.75
90.13
83.63

15.99
165.36
317.36
5049.41
6225.90

-14.69
150.71
300.87
4245.85
5386.24

16.42
94.28
184.69
4362.56
5302.66

INCURRED
CLAIMS (NET) Second Quarter
(2014-15)

INCURRED
CLAIMS RATIO
(Net earned
basis) - Second
Quarter (201415) (Values in
%)

INCURRED
CLAIMS RATIO
(Net earned
basis) - Second
Quarter (201314) (Values in
%)

625.76

85.98

76.15

101.16

59.67

57.23

102.22
203.38
894.31
1070.56
1964.86
1320.10
62.18

53.35
57.69
72.82
117.13
91.23
92.46
50.86

72.06
63.83
71.18
127.52
93.74
89.50
42.01

53.47

56.69

59.48

0.00

0.00

0.00

56.39
138.57
135.15
3730.73
4559.87

102.69
57.02
58.20
86.40
85.17

-383.96
91.95
44.92
87.87
84.66

Parameters
(Amt in Rs Crs)

GROSS
PREMIUM Second
Quarter
(2014-15)

GROSS
PREMIUM Second
Quarter
(2013-14)

NET PREMIUM
- Second
Quarter
(2014-15)

Net
NET PREMIUM
Retention %
- Second
- Second
Quarter
Quarter
(2013-14)
(2014-15)

Net
Retention
% - Second
Quarter
(2013-14)

NET PREMIUM
EARNED Second
Quarter (201415)

NET PREMIUM
EARNED Second
Quarter
(2013-14)

INCURRED
CLAIMS (NET) Second Quarter
(2014-15)

Fire

459.16

499.50

396.90

466.39

86.44

93.37

431.64

458.32

341.48

Marine (Cargo)

106.03

103.71

90.84

91.16

85.67

87.90

91.00

90.05

47.12

Marine(Hull)
Marine (Total)
Motor (OD)
Motor(TP)
Motor (pool)
Motor (Total)
Health
Liability
Personal
Accident
Workman
Compensation
Aviation
Engineering
Misc.Others
Total (misc)
Total

51.21
157.24
1231.14
1197.62
36.60
2465.36
1773.16
31.79

81.55
185.26
1211.01
1011.45
40.55
2263.01
1125.95
30.57

10.68
101.52
1159.60
1133.54
27.44
2320.58
1684.56
30.20

28.21
119.37
1146.62
947.89
30.18
2124.69
1069.66
29.04

20.86
64.56
94.19
94.65
74.97
94.13
95.00
95.00

34.59
64.43
94.68
93.72
74.43
93.89
95.00
95.00

28.21
119.21
1153.11
1040.71
28.81
2222.63
1377.11
29.62

8.41
98.46
1092.14
878.18
15.09
1985.41
1021.34
23.76

19.15
66.27
772.79
803.62
0.00
1576.41
1612.30
2.51

78.27

76.39

74.36

72.57

95.00

95.00

73.46

69.10

45.28

33.52

36.46

31.85

34.64

95.02

95.01

33.25

34.04

6.74

38.08
149.60
229.38
4799.16
5415.56

54.99
149.21
342.92
4079.50
4764.26

5.27
127.67
215.36
4489.85
4988.27

-5.40
132.30
317.30
3774.80
4360.56

13.84
85.34
93.89
93.55
92.11

-9.82
88.67
92.53
92.53
91.53

-0.06
129.98
266.34
4132.33
4683.18

-1.70
132.26
285.40
3549.61
4106.39

-3.22
108.20
256.16
3604.38
4012.13

INCURRED
CLAIMS RATIO
INCURRED
(Net earned
CLAIMS (NET) basis) - Second
Second Quarter
Quarter (2014(2014-15)
15) (Values in
%)

INCURRED
CLAIMS RATIO
(Net earned
basis) - Second
Quarter (201314) (Values in
%)

282.57

79.11

61.65

53.40

51.78

59.30

-1.68
51.72
747.89
634.83
0.00
1382.72
1120.63
23.36

67.88
55.59
67.02
77.22
0.00
70.93
117.08
8.47

-19.98
52.53
68.48
72.29
0.00
69.64
109.72
98.32

40.30

61.64

58.32

8.64

20.27

25.38

13.03
118.25
256.75
2963.68
3297.97

5366.67
83.24
96.18
87.22
85.67

-766.47
89.41
89.96
83.49
80.31

Parameters
(Amt in Rs Crs)

Fire
Marine (Cargo)
Marine(Hull)
Marine (Total)
Motor (OD)
Motor(TP)
Motor (pool)
Motor Declined
Risk
Motor (Total)
Health
Liability
Personal Accident
Workman
Compensation
Aviation
Engineering
Misc.Others
Total (misc)
Total

GROSS
PREMIUM Second
Quarter
(2014-15)

GROSS
REMIUM Second
Quarter
(2013-14)

NET PREMIUM
- Second
Quarter
(2014-15)

Net
NET PREMIUM
Retention
- Second
% - Second
Quarter
Quarter
(2013-14)
(2014-15)

Net
Retention %
- Second
Quarter
(2013-14)

NET PREMIUM
EARNED Second
Quarter
(2014-15)

NET PREMIUM
EARNED Second
Quarter (201314)

INCURRED
CLAIMS (NET)
- Second
Quarter
(2014-15)

580.01
140.07
102.84
242.91
593.36
769.62
0.00

646.93
152.40
128.40
280.80
565.74
657.16
0.00

293.33
128.70
41.24
169.94
561.28
730.78
0.00

370.09
132.04
34.46
166.50
534.00
624.74
0.00

50.57
91.88
40.10
69.96
94.59
94.95
NA

57.21
86.64
26.84
59.29
94.39
95.07
NA

331.71
130.37
34.46
164.83
547.64
677.76
0.00

357.15
129.22
23.64
152.86
525.43
561.91
-21.22

349.88
76.89
-4.93
71.96
306.15
662.29
78.28

24.08
1387.06
1067.84
26.32

48.59
1271.49
973.56
23.81

17.92
1309.98
1014.61
22.06

31.71
1190.45
923.52
16.03

74.42
94.44
95.02
83.81

65.26
93.63
94.86
67.32

24.82
1250.22
969.07
19.04

47.29
1113.41
820.45
15.20

38.59
1085.31
1062.62
2.97

75.36

73.59

68.34

65.22

90.68

88.63

66.78

64.97

44.95

40.38
48.21
186.20
224.16
3055.53
3878.45

43.79
59.77
184.76
215.84
2846.61
3774.34

38.36
6.58
122.85
216.06
2798.84
3262.11

41.57
13.51
151.31
242.35
2643.96
3180.55

95.00
13.65
65.98
96.39
91.60
84.11

94.93
22.60
81.90
112.28
92.88
84.27

39.96
10.05
137.08
229.21
2721.41
3217.95

39.27
13.84
150.68
214.62
2432.44
2942.45

6.17
9.86
52.12
105.26
2369.26
2791.10

INCURRED
CLAIMS (NET) Second
Quarter (201415)

INCURRED
CLAIMS RATIO
(Net earned
basis) - Second
Quarter (201415) (Values in
%)

INCURRED
CLAIMS RATIO
(Net earned
basis) - Second
Quarter (201314) (Values in
%)

332.99
60.73
13.29
74.02
289.70
609.41
0.00

105.48
58.98
-14.31
43.66
55.90
97.72
NA

93.24
47.00
56.22
48.42
55.14
108.45
0.00

43.03
942.14
893.58
2.99

155.48
86.81
109.65
15.60

90.99
84.62
108.91
19.67

54.05

67.31

83.19

8.75
20.15
188.97
65.20
2175.83
2582.84

15.44
98.11
38.02
45.92
87.06
86.74

22.28
145.59
125.41
30.38
89.45
87.78

Parameters
(Amt in Rs Crs)

GROSS
PREMIUM Second
Quarter
(2014-15)

GROSS
PREMIUM Second
Quarter
(2013-14)

NET
PREMIUM Second
Quarter
(2014-15)

NET
PREMIUM Second
Quarter
(2013-14)

Net Retention
% - Second
Quarter
(2014-15)

NET PREMIUM
Net Retention
EARNED % - Second
Second
Quarter
Quarter
(2013-14)
(2014-15)

NET PREMIUM
EARNED Second
Quarter
(2013-14)

INCURRED
CLAIMS (NET) Second Quarter
(2014-15)

Fire

708.77

671.20

512.69

519.40

72.34

77.38

519.03

471.51

326.63

Marine (Cargo)

158.23

166.32

135.53

136.67

85.65

82.17

136.10

137.48

57.92

117.34
275.57
779.45
1132.46

126.28
292.60
745.48
943.53

29.36
164.89
740.47
1075.84

28.72
165.39
708.08
895.08

25.02
59.84
95.00
95.00

22.74
56.52
94.98
94.87

28.72
164.82
724.28
985.46

30.24
167.72
696.75
834.52

11.94
69.86
375.30
768.01

36.46

38.96

7.29

7.79

19.99

19.99

7.54

8.73

15.31

0.00
1948.36
1589.25
40.49

0.00
1727.96
1302.23
39.16

0.00
1823.60
1677.97
34.34

0.00
1610.96
1144.97
31.94

NA
93.60
105.58
84.81

NA
93.23
87.92
81.56

0.00
1717.28
1411.47
33.14

0.00
1540.00
1219.93
30.54

0.00
1158.63
1623.34
9.40

114.93

96.82

85.98

70.24

74.81

72.55

78.11

68.39

79.65

49.91

46.44

47.42

44.17

95.01

95.11

45.79

43.00

9.72

19.10
263.84
280.83

30.40
278.21
283.14

2.19
161.71
253.03

3.30
160.93
268.55

11.47
61.29
90.10

10.86
57.84
94.85

2.74
161.57
260.79

4.07
162.64
253.69

7.17
120.74
185.44

Total
(Miscellaneous)

4306.71

3804.36

4086.23

3335.07

94.88

87.66

3710.89

3322.25

3194.09

Total

5291.05

4768.16

4763.81

4019.87

90.04

84.31

4394.75

3961.49

3590.58

Marine (Hull)
Marine (Total)
Motor (OD)
Motor (TP)
Motor (DR Pool)
Motor (Pool)
Motor (Total)
Health
Liability
Personal Accident
Workmen's
Compensation
Aviation
Engineering
Misc. Others

INCURRED
CLAIMS RATIO
INCURRED
(Net earned
CLAIMS (NET) basis) - Second
Second Quarter
Quarter (2014(2014-15)
15) (Values in
%)

INCURRED
CLAIMS RATIO
(Net earned
basis) - Second
Quarter (201314) (Values in
%)

350.42

62.93

74.32

71.01

42.56

51.65

14.49
85.50
354.39
829.75

41.56
42.39
51.82
77.93

47.91
50.98
50.86
99.43

11.30

203.04

129.44

173.41
1368.85
1100.24
18.17

NA
67.47
115.01
28.36

NA
88.89
90.19
59.50

50.73

101.97

74.18

15.03

21.23

34.95

6.14
129.28
193.27

261.43
74.73
71.11

150.86
79.49
76.18

2881.71

86.07

86.74

3317.64

81.70

83.75

Parameters
(Amt in Rs Crs)

Gross Premium

New India
Assurance Co. Ltd.
(NIACL) - Second
Quarter
(2014-15)

New India
Assurance Co. Ltd.
(NIACL) - Second
Quarter
(2013-14)

National Insurance
Co. Ltd. (NICL) Second Quarter
(2014-15)

National Insurance
Co. Ltd. (NICL)
-Second Quarter
(2013-14)

Oriental Insurance
Co. Ltd. (OICL) Second Quarter
(2014-15)

Oriental Insurance Co.

Ltd. (OICL) -Second
Quarter (2013-14)

7727.55

6906.24

5415.57

4764.26

3878.45

3774.35

11.89

12.34

13.67

7.90

2.76

10.96

Gross Incurred Claims Ratio(%)

Net Premium
Growth Rate (%)

83.98
6686.54
15.76

72.90
5775.98
20.63

87.27
4988.27
14.40

74.86
4360.56
12.62

71.96
3262.11
2.56

68.43
3180.57
17.14

Retention Ratio(%)
Reserve Strain
Earned Premium
Growth Rate (%)
Net Incurred Claims

86.53
460.63
6225.90
15.59
5302.66

83.63
389.74
5386.24
18.16
4559.87

92.11
305.09
4683.18
14.05
4012.13

91.53
254.17
4106.39
14.98
3297.97

84.11
44.16
3217.95
9.36
2791.11

84.27
238.10
2942.47
12.22
2582.85

85.17

84.66

80.43

80.31

71.96

68.43

573.79

526.83

296.68

286.24

172.89

177.89

1409.80
-1060.35

1215.08
-915.53

1205.97
831.61

997.56
-461.48

1063.61
-809.66

862.88
-681.15

Interest, Dividend, Rent etc.

1219.62

1057.26

731.13

628.80

626.31

560.00

Profit on sale of Investment

889.38

519.57

725.74

338.95

506.93

385.28

5.60
1054.25

-6.52
654.78

-4.65
620.60

13.90
492.37

28.67
352.25

17.46
281.59

10.69
644.09

0.00
99.48
521.12

0.00
71.90
420.47

2.68
-94.16
260.77

0.00
-88.96
192.63

85.17

84.66

85.67

80.31

86.74

87.78

9.22

9.78

6.33

6.97

5.37

6.05

22.64

22.56

25.75

24.29

33.05

29.33

Growth Rate (%)

Net Incurred Claims Ratio (%)

Net Acquisition Cost
Management Expenses
Underwriting Loss

Other Income(Net)
Net Profit before Tax
Prior Period Items(Net)
Provision for Tax
Profit after Tax
Net Incurred Claim Ratio on
Earned Premium(%)
Net Acquisition Cost Ratio on
Earned Premium(%)
Management Expenses Ratio to
Earned Premium(%)

0.00
155.06
899.19

0.00

Combined Ratio

117.03

117.00

117.76

111.58

125.16

123.15

United India
Insurance Co. Ltd.
(UIICL) -Second
Quarter (2014-15)

United India
Insurance Co. Ltd.
(UIICL) - Second
Quarter (2013-14)

5291.05

4768.16

10.97

0.24

73.56
4763.81
18.51

107.76
4019.87
-1.34

90.04
369.06
4394.75
10.94
3590.58

84.31
58.38
3961.49
8.40
3317.64

75.37

82.53

259.37

188.68

1146.96
-602.16

915.31
-460.14

822.90

658.56

236.34

294.17

8.15
465.23

-37.75
454.84

0.00
89.00
376.23

0.00
90.30
364.54

81.70

83.75

5.90

4.76

26.10

23.11

113.70

111.62