Disclosures -NON LIFE INSURANCE COMPANIES Sr No … PDS.pdf · Sr No Form No Description 1...

Sr No Form No Description

1 NL-1-B-RA Revenue Account

2 NL-2-B-PL Profit & Loss Account

3 NL-3-B-BS Balance Sheet

4 NL-4-PREMIUM SCHEDULE Premium

5 NL-5-CLAIMS SCHEDULE Claims Incurred

6 NL-6-COMMISSION SCHEDULE Commission

7 NL-7-OPERATING EXPENSES SCHEDULE Operating Expenses

8 NL-8-SHARE CAPITAL SCHEDULE Share Capital

9 NL-9-PATTERN OF SHAREHOLDING SCHEDULE Pattern of Shareholding

10 NL-10-RESERVE AND SURPLUS SCHEDULE Reserves and Surplus

11 NL-11-BORROWING SCHEDULE Borrowings

12 NL-12-INVESTMENT SCHEDULE Shareholders

13 NL-13-LOANS SCHEDULE Loans

14 NL-14-FIXED ASSETS SCHEDULE Fixed Assets

15 NL-15-CASH AND BANK BALANCE SCHEDULE Cash and Bank Balance

16 NL-16-ADVANCES AND OTHER ASSETS SCHEDULE Advances & Other Assets

17 NL-17-CURRENT LIABILITIES SCHEDULE Current Liabilities

18 NL-18-PROVISIONS SCHEDULE Provisions

19 NL-19-MISC EXPENDITURE SCHEDULE Misc Expenditure

20 FORM NL-20 RECEIPTS AND PAYMENTS SCHEDULE Receipts & Payments

21 NL-21-STATEMENT OF LIABILITIES Statement of Liablities

22 NL-22-GEOGRAPHICAL DISTN OF BSNS Geographical Distribution of Business

23 NL-23-REINSURANCE RISK CONCENTRATION Reinsurance Risk Concentration

24 NL-24-AGEING OF CLAIMS Ageing of Claims

25 NL-25-CLAIMS DATA Claims Data

26 NL-26-CLAIMS INFORMATION Claims Information

27 NL-27-OFFICE OPENING Office Opening

28 NL-28-STATEMENT OF ASSETS Statement of Investment of Assets

29 NL-29-DEBT SECURITIES Debt Securities

30 NL-30-ANALYTICAL RATIOS Analytical Ratios

31 NL-31-RELATED PARTY TRANSACTIONS Related Party Transanctions

32 NL-32-PRODUCT INFORMATION Product Information

33 NL-33-SOLVENCY MARGIN Solvency

34 NL-34-BOD Board of Directors & Management

35 NL-35-NPAs NPAs

36 NL-36-YIELD ON INVESTMENTS Yield on Investment

37 NL-37-DOWN GRADING OF INVESTMENTS Downgrading of Investment

38 NL-38-BSNS RETURNS ACROSS LOB Quarterly Business Returns for different line of business

(Premum amount and number of policies)39 NL-39-RURAL AND SOCIAL SECTOR OBLIGATIONS Rural & Social Sector Obligations

40 NL-40-CHANNEL WISE PREMIUM Business Acquisition through different channels

41 NL-41-GRIEVANCE DISPOSAL Grievance Disposal

42 Annex-III Ratios

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( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000)

1 Premiums Earned (Net) 1 26,259 47,935 8,527 55,274 18,795 79,530 16,408 51,207 790,786 2,582,862 680,540 2,000,301 835,840 2,710,327 705,475 2,106,782

2 Profit on Sale / Redemption of Investments (Net) (899) 9,877 (47) 2,800 (132) 2,501 (13) 736 94,100 163,790 2,446 18,318 93,069 176,168 2,387 21,854

3 Accretion/(Amortisation) of debt securities (557) (414) (73) 713 (140) (105) (19) 187 (7,785) (6,859) 285 4,666 (8,481) (7,377) 193 5,566

4 Other

Investment Income from Terrorism Pool 3,177 5,366 8,296 8,296 - - - - 576 971 1,755 1,755 3,752 6,336 10,051 10,051

Miscellenous Income/Liabilities written back 2 2 - - 3 3 - - 66 89 - - 70 94 - -

5 Interest,Dividend & Rent - Gross (8,133) 16,940 6,936 27,290 (1,837) 4,290 1,814 7,169 118,764 280,911 65,074 178,538 108,795 302,142 73,824 212,997

TOTAL (A) 19,849 79,706 23,640 94,373 16,689 86,219 18,190 59,299 996,507 3,021,764 750,100 2,203,578 1,033,045 3,187,690 791,930 2,357,250

1 Claims Incurred (Net) 2 36,019 74,226 76,477 135,225 (12,161) 54,625 35,007 56,343 752,171 2,233,927 520,453 1,509,279 776,029 2,362,778 631,937 1,700,847

2 Commission (Net) 3 (1,187) 3,987 (4,771) (12,770) 690 5,153 2,049 8,081 (25,632) (55,265) 20,445 50,519 (26,128) (46,125) 17,723 45,830

3 Operating Expenses Related to Insurance Business 4 11,428 171,593 1,006 37,822 7,139 43,278 11,665 39,791 245,311 1,205,060 483,302 1,305,390 263,877 1,419,931 495,973 1,383,003

4 Premium Deficiency - - - - - - - - - - - - - - - -

TOTAL (B) 46,260 249,806 72,712 160,277 (4,332) 103,056 48,721 104,215 971,850 3,383,723 1,024,200 2,865,188 1,013,777 3,736,584 1,145,633 3,129,680

Operating Profit/(Loss) (A-B) (26,411) (170,100) (49,073) (65,904) 21,021 (16,837) (30,531) (44,916) 24,657 (361,958) (274,100) (661,610) 19,267 (548,895) (353,703) (772,430)

APPROPRIATIONS

Transfer to Shareholders Account (26,411) (170,100) (49,073) (65,904) 21,021 (16,837) (30,531) (44,916) 24,657 (361,958) (274,100) (661,610) 19,267 (548,895) (353,703) (772,430)

Transfer to Catastrophe Reserve - - - - - - - - - - - - - - - -

Transfer to Other Reserves - - - - - - - - - - - - - - - -

TOTAL (C) (26,411) (170,100) (49,073) (65,904) 21,021 (16,837) (30,531) (44,916) 24,657 (361,958) (274,100) (661,610) 19,267 (548,895) (353,703) (772,430)

Note: See Notes appended at the end of Form NL-2-B-PL 263,707 34,008 64,648 475,078 362,363

** please refer Regulation 1 Part V- Preparation of Financial Statement of IRDA (Accounting) Regulation 2002

MISCELLANEOUS BUSINESS TOTAL BUSINESS

FORM NL-1-B-RA

HDFC GENERAL INSURANCE LIMITED

Registration No.146

Date of Registration with the IRDA:July 09,2010

REVENUE ACCOUNT FOR THE PERIOD ENDED DECEMBER 31, 2016

Particular Schedule

FIRE BUSINESS MARINE BUSINESS

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( ` '000) ( ` '000) ( ` '000) ( ` '000)

1 OPERATING PROFIT/(LOSS)

(a) Fire Insurance (26,411) (170,100) (49,073) (65,904)

(b) Marine Insurance 21,021 (16,837) (30,531) (44,916)

(c ) Miscellaneous Insurance 24,657 (361,958) (274,100) (661,610)

2 INCOME FROM INVESTMENTS

(a) Interest, Dividend & Rent – Gross 31,891 90,687 29,986 81,631

(b) Profit on sale of investments 27,607 52,877 1,151 8,376

Less: Loss on sale of investments - - - -

(c ) Accretion/(Amortisation) of debt securities (2,550) (2,214) 139 2,134

Profit on sale of Fixed Assets - - 46 46

3 OTHER INCOME (To be specified) - - 3 30

TOTAL (A) 76,215 (407,545) (322,379) (680,213)

4 PROVISIONS (Other than taxation)

(a) For diminution in the value of investments - - - -

(b) For doubtful debts - - - -

(c) Others (to be specified) - 7,250 - -

5 OTHER EXPENSES

Exps other than those related to Insurance Business

(a) Employee's related remuneration and welfare benefits - - - -

(a) Corporate Social Responsibility Expenses - - - -

(c) Bad debts written off - - - -

(d) Amalgamation Expenses - 5,488 - -

Penalties Paid - - - 5,000

TOTAL (B) - 12,738 - 5,000

Profit/(Loss) Before Tax 76,215 (420,283) (322,379) (685,213)

Provision for Taxation

- Current Tax - - - -

Less : MAT credit entitlement - - - -

-Deferred Tax - - - -

Profit/(Loss) After Tax 76,215 (420,283) (322,379) (685,213)

*Minimum Alternate Tax (MAT)

APPROPRIATIONS

(a) Interim dividends paid during the year - - - -

(b) Proposed final dividend - - - -

(c) Dividend distribution tax - - - -

(d) Transfer to any Reserves or Other Accounts (to be

specified)

- - - -

Balance of loss brought forward from last year (6,126,639) (5,630,141) (4,972,809) (4,609,976)

Balance carried forward to Balance Sheet (6,050,424) (6,050,424) (5,295,189) (5,295,189)

FORM NL-2-B-PL

HDFC GENERAL INSURANCE LIMITED.Registration No. 146


PROFIT /LOSS ACCOUNT FOR THE PERIOD ENDED DECEMBER 31, 2016

(b) Reinsurance premiums whether on business ceded or accepted are to be brought into account gross (i.e. before deducting commissions) under the head reinsurance premiums.

(c) Claims incurred shall comprise claims paid, specific claims settlement costs wherever applicable and change in the outstanding

provision for claims at the year-end,.

(g) Interest, dividends and rentals receivable in connection with an investment should be stated as gross amount, the amount of income

tax deducted at source being included under 'advance taxes paid and taxes deducted at source”..

(h) Income from rent shall include only the realised rent. It shall not include any notional rent.

Notes: to Form NL-1-B-RA and NL-2-B- PL

(d) Items of expenses and income in excess of one percent of the total premiums (less reinsurance) or Rs.5,00,000

whichever is higher, shall be shown as a separate line item.

(e) Fees and expenses connected with claims shall be included in claims.

(f) Under the sub-head "Others” shall be included items like foreign exchange gains or losses and other items.

(a) Premium income received from business concluded in and outside India shall be separately disclosed.

Particulars ScheduleAs at

Dec 31, 2016

As at

Dec 31, 2015

( ` '000) ( ` '000)

SOURCES OF FUNDS

SHARE

CAPITAL

NL-8-Share Capital

Schedule

7,670,000 6,620,000

SHARE APPLICATION

MONEY PENDING

ALLOTMENT

- -

RESERVES AND SURPLUS NL-10-Reserves and

Surplus Schedule

- -

FAIR VALUE CHANGE

ACCOUNT

428 4,255

BORROWINGS NL-11-Borrowings

Schedule

- -

DEFERRED TAX LIABILITY - -

TOTAL 7,670,428 6,624,255

APPLICATION OF FUNDS

INVESTMENTS NL-12-Investment

Schedule

6,600,707 5,373,759

LOANS NL-13-Loans

Schedule

- -

FIXED ASSETS NL-14-Fixed Assets

Schedule

35,625 199,502

DEFERRED TAX ASSET - -

CURRENT ASSETS

Cash and Bank Balances NL-15-Cash and bank

balance Schedule

156,635 267,702

Advances and Other Assets NL-16-Advances and

Other Assets Schedule

437,225 942,431

Sub-Total (A) 593,860 1,210,133

CURRENT LIABILITIES NL-17-Current

Liabilities Schedule

4,262,167 3,563,069

PROVISIONS NL-18-Provisions

Schedule

1,348,021 1,891,259

Sub-Total (B) 5,610,188 5,454,328

NET CURRENT ASSETS (C) =

(A - B)

(5,016,328) (4,244,195)

MISCELLANEOUS

EXPENDITURE (to the extent

not written off or adjusted)

NL-19-Miscellaneous

Expenditure

Schedule

- -

DEBIT BALANCE IN PROFIT

AND LOSS ACCOUNT

6,050,424 5,295,189

TOTAL 7,670,428 6,624,255

CONTINGENT LIABILITIES

ParticularsAs at

Dec 31, 2016

As at

Dec 31, 2015

( ` '000) ( ` '000)

Partly paid-up investments - -

Claims, other than against

policies, not acknowledged as

debts by the company

- -

Underwriting commitments

outstanding (in respect of shares

and securities)

- -

Guarantees given by or on behalf

of the Company

- -

Statutory demands/ liabilities in

dispute, not provided for 201 201

Reinsurance obligations to the

extent not provided for in

accounts

- -

Others (to be specified) - -

TOTAL - -

FORM NL-3-B-BS


Registration No. 146

Date of Registration with the IRDA July 09 2010

BALANCE SHEET AS AT DECEMBER 31, 2016

FORM NL-4-PREMIUM SCHEDULE


Registration no: 146


PREMIUM EARNED [NET]

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Premium from direct business written 58,712 339,511 16,665 85,280 - - 166,124 1,061,511 564,826 739,989 - - 3,475 22,544 (1,391) 5,512

Net of Service Tax - -

Add: Premium on reinsurance accepted 10,158 33,453 0 0 - - 0 0 0 0 - 8,945 0 0 0 0

Adjustment for change in reserve for

unexpired risks

6,846 65,082 27,679 12,916 - - 944,905 477,354 125,244 147,142 - - (1,493) 7,654 1,139 4,247

Gross Earned Premium 75,716 438,046 44,344 98,197 - - 1,111,029 1,538,864 690,071 887,131 - 8,945 1,982 30,197 (252) 9,759

Less : Premium on reinsurance ceded (49,202) (296,352) (58,145) (35,038) - - (510,577) (297,139) (238,862) (190,709) - - (2,491) (1,537) (4,117) (2,222)

- -

Net Premium 26,514 141,693 (13,802) 63,158 - - 600,452 1,241,725 451,209 696,422 - 8,945 (509) 28,660 (4,369) 7,538

- -


unexpired risks

(255) (93,758) 32,596 16,372 - - (95,414) 87,931 (39,667) 74,010 - - 6,257 5,506 (2,528) (554)

Premium Earned (Net) 26,259 47,935 18,795 79,530 - - 505,038 1,329,656 411,542 770,432 - 8,945 5,748 34,166 (6,896) 6,984

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Premium from direct business written 17,699 104,270 - - 3,409 15,163 185,226 407,763 - - - - 1,712 15,153 1,016,457 2,796,696

Net of Service Tax

Add: Premium on reinsurance accepted 1,839 8,091 - - 0 0 0 0 - - - - 0 0 11,997 50,489


unexpired risks

(929) (17,394) - - 1,640 3,781 75,320 37,081 - - - - 10,322 6,258 1,190,673 744,121

Gross Earned Premium 18,608 94,966 - - 5,048 18,944 260,546 444,844 - - - - 12,034 21,411 2,219,127 3,591,305

Less : Premium on reinsurance ceded (153,362) (91,574) - - (2,993) (2,406) (226,099) (142,115) - - - - (13,977) (9,269) (1,259,826) (1,068,362)

Net Premium (134,753) 3,393 - - 2,055 16,538 34,448 302,730 - - - - (1,944) 12,142 959,301 2,522,944


unexpired risks

7,593 26,280 - - 1,779 1,318 (26,493) 72,238 - - - - (7,329) (1,959) (123,461) 187,382

Premium Earned (Net) (127,161) 29,672 - - 3,834 17,856 7,955 374,968 - - - - (9,273) 10,183 835,840 2,710,326

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Premium from direct business written 120,745 412,278 31,609 108,301 - - 527,877 1,329,307 200,999 568,209 116,412 116,412 10,534 35,964 4,823 10,943

Net of Service Tax

Add: Premium on reinsurance accepted 14,485 66,516 14 61 - - - 332 - - - - - - - -


unexpired risks

(182,352) (373,467) (5,943) (17,517) - - (101,748) (157,108) (80,905) (88,783) - - (638) (709) (2,260) 2,259

Gross Earned Premium (47,122) 105,327 25,680 90,845 - - 426,129 1,172,531 120,094 479,426 116,412 116,412 9,896 35,255 2,563 13,202

Less : Premium on reinsurance ceded (133,482) (413,071) (11,352) (39,217) - - (48,335) (103,049) (12,317) (34,365) (93,130) (93,130) (700) (2,304) (1,839) (3,215)

Net Premium (180,604) (307,744) 14,328 51,628 - - 377,794 1,069,482 107,776 445,060 23,282 23,282 9,196 32,951 724 9,987


unexpired risks

189,131 363,018 2,080 (421) - - 15,455 19,066 5,565 (16,743) - - 63 359 1,061 (3,988)

Premium Earned (Net) 8,527 55,274 16,408 51,207 - - 393,249 1,088,548 113,342 428,318 23,282 23,282 9,259 33,310 1,785 5,999

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Premium from direct business written 47,640 133,383 - - 6,742 21,285 150,149 460,214 - - - - 6,788 21,425 1,224,318 3,217,721

Net of Service Tax

Add: Premium on reinsurance accepted 1,965 15,016 - - - - - - - - - - - - 16,464 81,925


unexpired risks

(10,567) (31,173) - - (374) 30,411 (10,491) (35,246) - - - - (536) 1,733 (395,814) (669,601)

Gross Earned Premium 39,038 117,226 - - 6,368 51,696 139,658 424,968 - - - - 6,252 23,158 844,968 2,630,045

Less : Premium on reinsurance ceded (46,484) (118,766) - - (1,026) (3,129) (25,311) (73,879) - - - - (4,944) (12,264) (378,920) (896,389)

Net Premium (7,446) (1,540) - - 5,342 48,567 114,347 351,089 - - - - 1,308 10,894 466,048 1,733,656


unexpired risks

20,207 42,884 - - 4 (33,908) 4,172 2,847 - - - - 1,689 11 239,427 373,126

Premium Earned (Net) 12,761 41,344 - - 5,346 14,659 118,519 353,936 - - - - 2,997 10,905 705,475 2,106,782

Others Total

Note: Reinsurance premiums whether on business ceded or accepted are to be brought into account, before

deducting commission, under the head of reinsurance premiums.

Workmens Compensation Other Liabilities

Engineering Aviation Personal Accident Health Home Weather/Crop

Others Total

Fire Marine Cargo Marine Hull Motor-OD Motor-TP Motor/Declined Risk Pool

Workmens Compensation Other Liabilities

Engineering Aviation Personal Accident Health Home Weather/Crop

Fire Marine Cargo Marine Hull Motor-OD Motor-TP Motor/Declined Risk Pool

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Claims paid

Direct claims 97,671 308,701 28,861 98,436 - - 325,938 1,002,302 39,247 161,352 - - 5,351 10,384 0 361

Add Claims Outstanding at the end of the year 1,072,724 1,072,724 57,495 57,495 - - 347,996 347,996 3,318,429 3,318,429 - - 15,469 15,469 2,120 2,120

Less Claims Outstanding at the beginning of the year (779,109) (734,101) (92,092) (85,674) - - (386,518) (282,698) (2,743,796) (2,334,038) - (16,070) (20,192) (8,782) (4,388) (2,561)

Gross Incurred Claims 391,286 647,324 (5,736) 70,257 - - 287,416 1,067,600 613,881 1,145,743 - (16,070) 628 17,071 (2,268) (80)

Add :Re-insurance accepted to direct claims 23 784 (0) (0) - - (0) (0) (0) (0) 13,418 13,418 (0) (0) (0) (0)

Less :Re-insurance Ceded to claims paid (90,455) (217,313) (12,051) (41,177) - - (70,819) (143,703) (710) (2,507) - - (268) (528) - (290)

Less :Re-insurance Ceded to closing claims o/s (931,684) (931,684) (21,132) (21,132) - - (43,733) (43,733) (251,705) (251,705) - - (838) (838) (1,718) (1,718)

Add :Re-insurance Ceded to opening claims o/s 666,849 575,115 26,758 46,677 - - 100,045 60,522 27,682 123,026 - - 1,030 445 3,535 2,095

Total Claims Incurred 36,019 74,225 (12,161) 54,625 - - 272,909 940,686 389,148 1,014,557 13,418 (2,652) 552 16,150 (451) 7

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Claims paid

Direct claims 28,064 122,377 - - 1,121 14,196 92,439 236,558 - - - - 5,398 35,537 624,088 1,990,202

Add Claims Outstanding at the end of the year 231,313 231,313 - - 24,674 24,674 81,782 81,782 - - - - 48,115 48,115 5,200,119 5,200,119

Less Claims Outstanding at the beginning of the year (223,499) (282,334) - - (21,247) (35,959) (92,976) (78,234) - - - - (55,974) (91,632) (4,419,791) (3,952,083)

Gross Incurred Claims 35,878 71,357 - - 4,547 2,911 81,245 240,106 - - - - (2,462) (7,980) 1,404,416 3,238,238

Add :Re-insurance accepted to direct claims 265 992 - - (0) (0) (0) (0) - - - - (0) (0) 13,705 15,195

Less :Re-insurance Ceded to claims paid (25,070) (86,748) - - (56) (1,503) (22,748) (33,794) - - - - (4,324) (18,136) (226,501) (545,699)

Less :Re-insurance Ceded to closing claims o/s (139,596) (139,596) - - (1,261) (1,261) (11,392) (11,392) - - - - (37,572) (37,572) (1,440,632) (1,440,632)

Add :Re-insurance Ceded to opening claims o/s 141,051 204,951 - - 151 10,419 7,986 5,910 - - - - 49,952 66,518 1,025,039 1,095,677

Total Claims Incurred 12,528 50,956 - - 3,381 10,566 55,091 200,830 - - - - 5,594 2,829 776,027 2,362,778

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000)

Claims paid

Direct claims 32,454 114,293 45,042 71,046 - - 222,909 631,555 59,687 144,050 - - 9,128 17,284 20 152

Add Claims Outstanding at the end of the year 623,549 623,549 112,499 112,499 - - 345,011 345,011 2,149,993 2,149,993 - - 10,211 10,211 2,553 2,553

Less Claims Outstanding at the beginning of the year (637,877) (619,788) (123,837) (117,376) - - (211,265) (182,841) (2,032,695) (1,650,827) - - (18,789) (22,689) (2,705) (2,959)

Gross Incurred Claims 18,126 118,054 33,704 66,169 - - 356,655 793,725 176,985 643,217 - - 550 4,806 (132) (254)

Add :Re-insurance accepted to direct claims 178,638 234,972 - 5 - - 260 260 - - - - - - - -

Less :Re-insurance Ceded to claims paid (185,981) (304,801) (30,564) (39,336) - - (16,237) (43,695) (144) (22,615) - - (457) (865) (1) (8)

Less :Re-insurance Ceded to closing claims o/s (450,185) (450,185) (38,685) (38,685) - - (115,238) (115,238) (4,259) (4,259) - - (336) (336) (1,975) (1,975)

Add :Re-insurance Ceded to opening claims o/s 515,879 537,185 70,552 68,190 - - 25,161 10,569 6,665 13,768 - - 824 1,023 1,985 2,006

Total Claims Incurred 76,477 135,225 35,007 56,343 - - 250,601 645,621 179,247 630,111 - - 581 4,628 (123) (231)

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000)

Claims paid

Direct claims 19,416 72,018 - - 4,415 24,478 58,313 186,330 - - - - 3,283 8,694 454,666 1,269,900

Add Claims Outstanding at the end of the year 341,284 341,284 - - 23,452 23,452 90,904 90,904 - - - - 29,439 29,439 3,728,896 3,728,896

Less Claims Outstanding at the beginning of the year (263,495) (296,895) - - (24,592) (33,718) (79,644) (91,843) - - - - (26,974) (26,515) (3,421,873) (3,045,451)

Gross Incurred Claims 97,205 116,407 - - 3,275 14,212 69,573 185,391 - - - - 5,748 11,618 761,689 1,953,345

Add :Re-insurance accepted to direct claims 51 1,124 - - - - 750 750 - - - - - - 179,699 237,111

Less :Re-insurance Ceded to claims paid (5,335) (34,369) - - (221) (1,373) (3,116) (13,406) - - - - (769) (1,763) (242,825) (462,231)

Less :Re-insurance Ceded to closing claims o/s (255,344) (255,344) - - (329) (329) (1,894) (1,894) - - - - (13,983) (13,983) (882,228) (882,228)

Add :Re-insurance Ceded to opening claims o/s 183,336 210,714 - - 470 895 1,473 2,637 - - - - 9,257 7,863 815,602 854,850

Total Claims Incurred 19,913 38,532 - - 3,195 13,405 66,786 173,478 - - - - 253 3,735 631,937 1,700,847

b) Claims includes specific claims settlement cost but not expenses of management

c) The surveyor fees, legal and other expenses shall also form part of claims cost.

d) Claims cost should be adjusted for estimated salvage value if there is a sufficient certainty of its realisation.

Health Home Weather/Crop Others Total

a) Incurred But Not Reported (IBNR), Incurred but not enough reported [IBNER] claims should be included in the

amount for outstanding claims.

Motor-TP Motor/Declined Risk Pool Workmens Compensation Other Liabilities

Particulars Engineering Aviation Personal Accident

Home Weather/Crop Others Total

Particulars Fire Marine Cargo Marine Hull Motor-OD

Particulars

Engineering Aviation Personal Accident Health

FORM NL-5 - CLAIMS SCHEDULE




CLAIMS INCURRED [NET]

Particulars

Fire Marine Cargo Marine Hull Motor-OD Motor-TP Motor/Declined Risk Pool Workmens Compensation Other Liabilities

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000)

Commission paid

Direct 2,794 22,870 1,423 9,153 - - 10,255 51,223 (0) (0) - - 226 1,580 127 632

Add: Re-insurance Accepted 1,528 2,965 - - - - 0 (27) - - - - - - - -

Less: Commission on Re-insurance Ceded (5,508) (21,848) (733) (4,000) - - (10,688) (56,264) (10,277) (35,371) - - (26) (171) (5) (100)

Net Commission (1,186) 3,987 690 5,153 - - (433) (5,068) (10,277) (35,371) - - 200 1,409 121 531

Break-up of the expenses (Gross)

incurred to procure business to be

furnished as per details indicated

below:

Agents * 212 1,488 63 1,056 - - 4,022 13,679 - - - - 71 424 6 121

Brokers 2,581 21,386 1,360 8,098 - - 4,327 35,236 - - - - 155 1,156 121 510

Corporate Agency - - - - - - - - -

Referral - - - - - - - - - - - - - - - -

Others: Web aggregator 1 (4) - - - - 1,906 2,307 - - - - - - - -

TOTAL (B) 2,794 22,870 1,424 9,153 - - 10,255 51,223 - - - - 226 1,580 126 632

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000)

Commission paid

Direct 930 4,970 - - 133 2,244 11,757 37,614 - - - - 157 1,573 27,801 131,858

Add: Re-insurance Accepted 262 929 - - - - - - - - - - - - 1,791 3,868

Less: Commission on Re-insurance Ceded (2,837) (9,022) - - (41) (145) (25,531) (54,161) - - - - (74) (768) (55,720) (181,849)

Net Commission (1,646) (3,124) - - 92 2,099 (13,775) (16,547) - - - - 84 806 (26,128) (46,123)




below:

Agents * 17 536 - - 33 795 6,972 23,576 - - - - 40 331 11,436 42,007

Brokers 912 4,434 - - 102 1,442 3,221 12,240 - - - - 120 1,128 12,899 85,630

Corporate Agency - - - - - - - 1 1

Referral - - - - - - - - - - - - - - 1 1

Others: Web aggregator - - - - (2) 7 1,564 1,797 - - - - (2) 114 3,469 4,222

TOTAL (B) 929 4,970 - - 133 2,244 11,757 37,613 - - - - 158 1,573 27,805 131,860

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000)

Commission paid

Direct 7,148 26,023 3,498 13,374 - - 24,456 61,211 - - - - 728 2,534 472 1,292

Add: Re-insurance Accepted 5,404 5,404 1 1 - - 33 33 - - - - - - - -

Less: Commission on Re-insurance Ceded (17,323) (44,197) (1,450) (5,294) - - (3,998) (9,961) (794) (1,711) - - (106) (296) (183) (352)

Net Commission (4,771) (12,770) 2,049 8,081 - - 20,491 51,283 (794) (1,711) - - 622 2,238 289 940




below:

Agents * 1,459 4,707 377 1,451 - - 10,116 30,842 - - - - 214 579 35 122

Brokers 5,690 21,317 3,121 11,923 - - 14,340 30,369 - - - - 515 1,955 437 1,170

Referral - - - - - - - - - - - - - - - -

Others: Web aggregator - - - - - - - - - - - - - - - -

TOTAL (B) 7,148 26,023 3,498 13,374 - - 24,456 61,211 - - - - 728 2,534 472 1,292

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000)

Commission paid

Direct 2,696 7,437 - - 845 2,431 10,292 31,420 - - - - 659 2,307 50,795 148,030

Add: Re-insurance Accepted 886 886 - - - - - - - - - - - - 6,325 6,325

Less: Commission on Re-insurance Ceded (7,740) (21,089) - - (51) (160) (7,405) (24,533) - - - - (345) (930) (39,395) (108,523)

Net Commission (4,158) (12,766) - - 794 2,271 2,887 6,887 - - - - 314 1,377 17,725 45,832




below:

Agents * 427 1,550 - - 108 370 6,315 19,472 - - - - 178 464 19,229 59,556

Brokers 2,269 5,887 - - 737 2,061 3,977 11,948 - - - - 449 1,744 31,534 88,374

Corporate Agency - - - - - - 1 1

Referral - - - - - - - - - - - - - - 1 1

Others: Web aggregator - - - - - - - - 32 99 32 99

TOTAL (B) 2,696 7,437 - - 845 2,431 10,292 31,420 - - - - 659 2,307 50,797 148,031

Others Total

Note: The profit/ commission, if any, are to be combined with the Re-insurance accepted or

* The amount includes paid to Corporate Agents.


Particulars Engineering Aviation Personal Accident Health Home


Weather/Crop


Particulars



Particulars

Fire Marine Cargo Marine Hull Motor-OD

FORM NL-6-COMMISSION SCHEDULE



Date of Registration with the IRDA July 09, 2010

COMMISSION

FORM NL-7-OPERATING EXPENSES SCHEDULE



Date of Registration with the IRDA July 09,2010

OPERATING EXPENSES RELATED TO INSURANCE BUSINESS

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000)

1 Employees’ remuneration & welfare

benefits

959 41,631 1,323 10,500 - - 10,939 130,694 24,980 91,108 - - 225 2,776 47 679

2 Travel, conveyance and vehicle running

expenses

241 3,562 149 898 - - 1,404 11,183 2,396 7,795 - - 29 237 6 58

3 Training expenses (8) 54 (0) 14 - - (13) 170 17 118 - - (0) 4 (0) 1

4 Rents, rates & taxes 1,220 11,759 588 2,966 - - 5,885 36,915 8,599 25,734 - - 123 784 28 192

5 Repairs 336 2,446 141 617 - - 1,467 7,680 1,923 5,354 - - 31 163 7 40

6 Printing & stationery 206 1,270 80 320 - - 855 3,988 1,050 2,780 - - 18 85 4 21

7 Communication 79 915 42 231 - - 410 2,874 643 2,003 - - 9 61 2 15

8 Legal & professional charges 2,471 14,311 938 3,609 - - 10,067 44,927 12,069 31,319 134 134 212 954 49 233

9 Auditors' fees, expenses etc - - -

(a) as auditor 60 254 20 64 - - 225 798 240 556 - - 5 17 1 4

(b) as adviser or in any other capacity,

in respect of

- - - - - - - - - - - - - - - -

(i) Taxation matters - - - - - - - - - - - - - - - -

(ii) Insurance matters - - - - - - - - - - - - - - - -

(iii) Management services; and - - - - - - - - - - - - - - - -

(c) in any other capacity - - - - - - - - - - - - - - - -

10 Advertisement and publicity 6,542 60,724 3,090 15,315 - - 31,100 190,636 44,799 132,894 - - 651 4,049 148 990

11 Interest & Bank Charges 95 647 39 163 - - 406 2,032 519 1,416 - - 9 43 2 11

12 Others (to be specified) - - -

Electricity expenses 128 1,094 58 276 - - 591 3,436 824 2,395 - - 12 73 3 18

Office Expenses (143) 102 (30) 26 - - (402) 320 (176) 223 - - (9) 7 (2) 2

Miscellaneous expenses 88 1,555 61 392 - - 561 4,881 1,017 3,402 - - 12 104 3 25

Service Charges - - - - - - - - - - - - - - - -

Technical Service Charges - - -

Information Technology Expenses 1,500 14,777 731 3,727 - - 7,296 46,391 10,751 32,339 - - 153 985 35 241

Postage & courier 224 1,172 82 296 - - 888 3,680 1,024 2,565 - - 19 78 4 19

Loss on sale of assets (net) - - - - - - - - - - - - - - - -

13 Depreciation (2,571) 15,319 (173) 3,864 - - (4,583) 48,092 4,438 33,525 - - (100) 1,021 (28) 250

TOTAL 11,428 171,593 7,139 43,278 - - 67,098 538,696 115,115 375,530 134 134 1,397 11,441 308 2,797

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000)


benefits

722 13,136 - - 14 1,867 11,622 50,204 - - - - 68 1,866 50,899 344,461


expenses

110 1,124 - - 8 160 1,145 4,296 - - - - 13 160 5,502 29,473

3 Training expenses (2) 17 - - (0) 2 6 65 - - - - (0) 2 (1) 447

4 Rents, rates & taxes 494 3,710 - - 47 527 4,183 14,180 - - - - 61 527 21,228 97,294

5 Repairs 128 772 - - 14 110 949 2,950 - - - - 16 110 5,012 20,241

6 Printing & stationery 76 401 - - 9 57 523 1,532 - - - - 10 57 2,831 10,512

7 Communication 33 289 - - 3 41 310 1,104 - - - - 4 41 1,536 7,575

8 Legal & professional charges 902 4,516 - - 103 642 6,027 17,258 - - - - 118 641 33,089 118,545

9 Auditors' fees, expenses etc - -

(a) as auditor 21 80 - - 3 11 122 307 - - - - 3 11 700 2,104


in respect of

- - - - - - - - - - - - - - - -





10 Advertisement and publicity 2,622 19,161 - - 255 2,723 21,831 73,230 - - - - 326 2,721 111,366 502,444

11 Interest & Bank Charges 36 204 - - 4 29 257 780 - - - - 5 29 1,370 5,354

12 Others (to be specified) - -

Electricity expenses 50 345 - - 5 49 403 1,320 - - - - 6 49 2,082 9,056

Office Expenses (43) 32 - - (7) 5 (110) 123 - - - - (6) 5 (927) 843

Miscellaneous expenses 43 491 - - 3 70 483 1,875 - - - - 5 70 2,276 12,864

Service Charges - - - - - - - - - - - - - - - -

Technical Service Charges - -

Information Technology Expenses 610 4,663 - - 58 663 5,225 17,820 - - - - 75 662 26,434 122,268

Postage & courier 80 370 - - 9 53 514 1,414 - - - - 11 53 2,855 9,699


13 Depreciation (627) 4,834 - - (128) 687 1,503 18,474 - - - - (104) 687 (2,373) 126,752

TOTAL 5,256 54,145 - - 401 7,695 54,994 206,932 - - - - 610 7,690 263,878 1,419,931

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000)


benefits

410 11,943 3,754 12,565 - - 88,216 222,895 34,783 97,010 4,231 4,231 1,821 6,117 549 1,404


expenses

(6) 812 229 855 - - 5,601 15,163 2,181 6,599 288 288 111 416 35 96

3 Training expenses (2) 14 3 14 - - 76 255 28 111 5 5 1 7 0 2

4 Rents, rates & taxes 126 2,506 818 2,636 - - 18,976 46,767 7,514 20,354 888 888 397 1,283 118 295

5 Repairs (44) 584 135 614 - - 3,567 10,900 1,356 4,744 207 207 65 299 22 69

6 Printing & stationery 2 314 92 330 - - 2,215 5,851 866 2,547 111 111 45 161 14 37

7 Communication 5 176 55 185 - - 1,290 3,284 508 1,429 62 62 27 90 8 21

8 Legal & professional charges 285 2,829 1,033 2,977 - - 23,089 52,803 9,252 22,981 1,002 1,002 501 1,449 144 333

9 Auditors' fees, expenses etc - - - - - - - - - - - - - - - -

(a) as auditor 3 56 18 59 - - 427 1,044 169 454 20 20 9 29 3 7


in respect of

- - - - - - - - - - - - - - - -





10 Advertisement and publicity 376 9,268 2,958 9,751 - - 69,143 172,975 27,309 75,283 3,283 3,283 1,435 4,747 430 1,090

11 Interest & Bank Charges (22) 109 14 115 - - 501 2,037 177 887 39 39 7 56 3 13

12 Others (to be specified) - - - - - - - - - - - - - - - -

Electricity expenses (29) 253 51 266 - - 1,432 4,724 535 2,056 90 90 25 130 9 30

Office Expenses (25) 19 (13) 20 - - (153) 360 (80) 157 7 7 (6) 10 (1) 2

Miscellaneous expenses (76) 419 63 441 - - 2,040 7,814 733 3,401 148 148 30 214 13 49

Service Charges - - - - - - - - -

Information Technology Expenses (128) 3,456 898 3,636 - - 22,648 64,496 8,735 28,070 1,224 1,224 435 1,770 141 406

Postage & courier 32 201 82 212 - - 1,775 3,753 720 1,633 71 71 40 103 11 24


13 Depreciation 99 4,862 1,476 5,115 - - 35,118 90,746 13,793 39,495 1,722 1,722 716 2,490 218 572

TOTAL 1,006 37,822 11,665 39,791 - - 275,961 705,867 108,580 307,211 13,398 13,398 5,659 19,370 1,717 4,447

Total

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000)


benefits

605 5,385 - - 1,057 3,299 23,061 70,204 - - - - 346 1,665 158,833 436,718


expenses

27 366 - - 65 224 1,429 4,776 - - - - 20 113 9,980 29,708

3 Training expenses (0) 6 - - 1 4 18 80 - - - - 0 2 130 500

4 Rents, rates & taxes 144 1,130 - - 229 692 5,002 14,730 - - - - 77 349 34,288 91,630

5 Repairs 3 263 - - 39 161 866 3,433 - - - - 10 81 6,226 21,357

6 Printing & stationery 12 141 - - 26 87 570 1,843 - - - - 8 44 3,961 11,465

7 Communication 9 79 - - 15 49 336 1,034 - - - - 5 25 2,321 6,434

8 Legal & professional charges 221 1,276 - - 287 782 6,230 16,631 - - - - 103 394 42,147 103,457

9 Auditors' fees, expenses etc - - - - - - - - - - - - - - - -

(a) as auditor 3 25 - - 5 15 113 329 - - - - 2 8 772 2,046


in respect of

- - - - - - - - - - - - - - - -





10 Advertisement and publicity 494 4,179 - - 831 2,560 18,136 54,481 - - - - 275 1,292 124,671 338,909

11 Interest & Bank Charges (5) 49 - - 5 30 104 642 - - - - 0 15 822 3,992

12 Others (to be specified) - - - - - - - - - - - - - - - -

Electricity expenses (3) 114 - - 15 70 336 1,488 - - - - 3 35 2,464 9,256

Office Expenses (10) 9 - - (3) 5 (66) 113 - - - - (2) 3 (353) 706

Miscellaneous expenses (16) 189 - - 20 116 440 2,461 - - - - 2 58 3,396 15,311

Service Charges - - - - - - - - - - - -

Technical Service Charges - -

Information Technology Expenses 73 1,558 - - 258 955 5,666 20,314 - - - - 72 482 40,022 126,367

Postage & courier 20 91 - - 23 56 490 1,182 - - - - 9 28 3,273 7,353


13 Depreciation 218 2,192 - - 417 1,343 9,110 28,582 - - - - 133 678 63,020 177,798

TOTAL 1,796 17,053 - - 3,289 10,448 71,840 222,324 - - - - 1,061 5,272 495,974 1,383,004

Health Home Weather/Crop Others

Note: Items of expenses and income in excess of one percent of the total premiums (less reinsurance) or Rs.5,00,000

Particulars Engineering Aviation Personal Accident

Motor-OD Motor-TP Motor/Declined Risk Pool Workmens Compensation Other Liabilities


Particulars

Fire Marine Cargo Marine Hull


Particulars



Sr no. ParticularsAs at

Dec 31, 2016

As at

Dec 31, 2015

( ` '000) ( ` '000)

1 Authorised Capital 8,500,000 7,500,000

850,000,000 Equity Shares of ` 10/- each

(As on 31st Dec 2015 : 750,000,000 Equity Shares of ` 10/- each)

2 Issued Capital 7,670,000 6,620,000



3 Subscribed Capital 7,670,000 6,620,000



4 Called-up Capital 7,670,000 6,620,000



Less : Calls unpaid - -

Add : Equity Shares forfeited (Amount originally paid up) - -

Less : Par Value of Equity Shares bought back - -

Less : Preliminary Expenses - -

Expenses including commission or brokerage on

Underwriting or subscription of shares

TOTAL 7,670,000 6,620,000

- -

Notes:

(c) In case any part of the capital is held by a holding company, the same should be separately disclosed.




FORM NL-8-SHARE CAPITAL SCHEDULE

(a) Particulars of the different classes of capital should be separately stated.

SHARE CAPITAL

Shares held by Housing Development Finance Corporation Limited,

the holding company

(b) The amount capitalised on account of issue of bonus shares should be disclosed.

Shareholder

Number of

Shares

% of Holding Number of Shares % of Holding

Promoters

• Indian 767,000,000 100.00% 662,000,000 100.00%

• Foreign - 0.00% - 0.00%

Others : (Employees) - 0.00% - 0.00%

TOTAL 767,000,000 100.00% 662,000,000 100.00%

FORM NL-9-PATTERN OF SHAREHOLDING SCHEDULE

PATTERN OF SHAREHOLDING

[As certified by the Management]

SHARE CAPITAL

As at

Dec 31, 2015

As at

Dec 31, 2016




Particulars

1 Capital Reserve - -

2 Capital Redemption Reserve - -

3 Share Premium - -

General Reserves - -

Less: Debit balance in Profit and Loss Account - -

Less: Amount utilized for Buy-back - - 5 Catastrophe Reserve - -

6 Other Reserves (to be specified) - -

7 Balance of Profit in Profit and Loss Account -Opening - -

Add: Profit during the period - -

Less: Adjustment of Depreciation (net of deferred tax) - - - -

TOTAL - -

Note:

( ` '000) ( ` '000)

4

Additions to and deductions from the reserves should be disclosed under each of the specified heads.

FORM NL-10-RESERVES AND SURPLUS SCHEDULE




RESERVES AND SURPLUS

As at

Dec 31, 2016

As at

Dec 31, 2015

Sr no. Particulars As at

Dec 31, 2016

As at

Dec 31, 2015

( ` '000) ( ` '000)

1 Debentures/ Bonds - -

2 Banks - -

3 Financial Institutions - -

4 Others (to be specified)

Non Convertible Debentures - -

TOTAL - -

Notes:

FORM NL-11-BORROWINGS SCHEDULE

b) Amounts due within 12 months from the date of Balance Sheet should be shown separately

a) The extent to which the borrowings are secured shall be separately disclosed stating the nature of the

security under each sub-head.




BORROWINGS

Sr.no. Particulars As at

Dec 31, 2016

As at

Dec 31, 2015

( ` '000) ( ` '000)

LONG TERM INVESTMENTS

1 Government securities and Government

guaranteed bonds including Treasury Bills

1,742,121 2,092,403

2 Other Approved Securities 635,805 1,116,430

3 Other Investments

(a) Shares

(aa) Equity - -

(bb) Preference - -

(b) Mutual Funds - -

(c) Derivative Instruments - -

(d) Debentures/ Bonds 1,663,983 -

(e) Other Securities (Bank Deposits) - -

(f) Subsidiaries - -

(g) Investment Properties-Real Estate - -

4 Investments in Infrastructure and Social Sector 1,372,119 1,456,387

5 Other than Approved Investments

-Equity - 102,524

-Preference 30,250 -

SHORT TERM INVESTMENTS

1 Government securities and Government

guaranteed bonds including Treasury Bills

242,503 -

2 Other Approved Securities - 98,624

3 Other Investments

(a) Shares

(aa) Equity - -

(bb)Preference - -

(b) Mutual Funds 401,143 507,391

(a) Derivative Instruments - -

(b) Debentures/ Bonds 149,886 -

(c) Other Securities (Commercial Papers and

Certificate of Deposits)

196,783 -

(d) Subsidiaries - -

(e) Investment Properties-Real Estate - -

4 Investments in Infrastructure and Social Sector 99,601 -

5 Other than Approved Investments

-Mutual Fund 66,513 -

-Preference Shares - -

TOTAL 6,600,707 5,373,759

Notes:

a) Aggregate value of the investments other than Equity Shares and Mutual Fund

( ` '000) ( ` '000)

Long term investments - Book Value 5,444,279 31,947,486

Market Value 5,510,854 33,205,329

Short term investments - Book Value 688,772 4,396,356

Market Value 693,436 4,424,690




FORM NL-12-INVESTMENT SCHEDULE

Investments

Particulars As at

Dec 31, 2016

As at

Dec 31, 2015

( ` '000) ( ` '000)

1 SECURITY-WISE CLASSIFICATION

Secured

(a) On mortgage of property

(aa) In India - -

(bb) Outside India - -

(b) On Shares, Bonds, Govt. Securities - -

(c) Others (to be specified) - -

Unsecured - -

TOTAL - -

2 BORROWER-WISE CLASSIFICATION

(a) Central and State Governments - -

(b) Banks and Financial Institutions - -

(c) Subsidiaries - -

(d) Industrial Undertakings - -

(e) Others (to be specified) - -

TOTAL - -

3 PERFORMANCE-WISE CLASSIFICATION

(a) Loans classified as standard

(aa) In India - -


(b) Non-performing loans less provisions

(aa) In India - -


TOTAL - -

4 MATURITY-WISE CLASSIFICATION

(a) Short Term - -

(b) Long Term - -

TOTAL - -

Notes:

(d) Loans considered doubtful and the amount of provision created against such loans shall be disclosed.

(a) Short-term loans shall include those, which are repayable within 12 months from the date of balance

sheet. Long term loans shall be the loans other than short-term loans.

(b) Provisions against non-performing loans shall be shown separately.

(c ) The nature of the security in case of all long term secured loans shall be specified in each case. Secured

loans for the purposes of this schedule, means loans secured wholly or partly against an asset of the company.




FORM NL-13-LOANS SCHEDULE

LOANS

( ` '000)

Particulars

On Sales/

Adjustments

Goodwill - - - - - - - - - -

Intangibles-Computer Software 1,058,570 534 (0) 1,059,104 943,997 113,121 0 1,057,118 1,986 174,693

Land-Freehold - - - - - - - - - -

Leasehold Property - - - - - - - - - -

Buildings - - - - - - - - - -

Furniture & Fittings 57,321 3,395 9,966 50,750 45,222 1,234 9,935 36,521 14,229 8,557

Information Technology Equipment 39,525 14,765 16,913 37,377 27,950 11,740 16,453 23,237 14,140 12,098

Vehicles - - - - - - - - - -

Office Equipment 12,013 968 4,114 8,867 9,473 657 4,000 6,130 2,737 2,185

Others (Specify nature) - - - -

Leased Vehicles - - - - - - - - - - Leased Information Technology - - - - - - - - - - Leased Software - - - - - - - - - -

TOTAL 1,167,429 19,662 30,993 1,156,098 1,026,642 126,752 30,389 1,123,005 33,093 197,534

Capital work in progress - - - - - - - - 2,533 1,969

Grand Total 1,167,429 19,662 30,993 1,156,098 1,026,642 126,752 30,389 1,123,005 35,626 199,502

Period ended December 31, 2015 1,136,243 27,773 - 1,164,016 788,685 177,798 - 966,483 199,502 -

Note:

Assets included in land, property and building above exclude Investment Properties as defined in note (e) to Form NL-12-Investment Schedule.

Opening as on

April 01, 2016Additions Deductions

Net Block

Closing as on

Dec 31, 2016

Up to Last Year For The PeriodTo Date

Cost/ Gross Block Depreciation

As at December

31, 2016

As at December

31, 2015

FIXED ASSETS





Dec 31, 2016

As at

Dec 31, 2015

( ` '000) ( ` '000)

1 Cash (including cheques, drafts and stamps) 48,941 932

2 Bank Balances

(a) Deposit Accounts

(aa) Short-term (due within 12 months) 22,836 -

(bb) Others - -

(b) Current Accounts 84,858 266,770

(c) Others (to be specified) - -

3 Money at Call and Short Notice

(a) With Banks - -

(b) With other Institutions - -

4 Others (to be specified) - -

TOTAL 156,635 267,702

Balances with non-scheduled banks included in

2 and 3 above

- -

Note : Bank balance may include remittances in transit. If so, the nature and amount should be

separately stated.

FORM NL-15-CASH AND BANK BALANCE SCHEDULE

CASH AND BANK BALANCES




Particulars As at

Dec 31, 2016

As at

Dec 31, 2015

( ` '000) ( ` '000)

ADVANCES

1 Reserve deposits with ceding companies - -

2 Application money for investments - -

3 Prepayments 12,727 17,971

4 Advances to Directors/Officers - -

5 Advance tax paid and taxes deducted at

source (Net of provision for taxation)

2 2


Advances to employees 2,396 851

Advances to suppliers 5,936 13,418

Advances payment for Service Tax 40,818 -

MAT credit entitlement - -

TOTAL (A) 61,879 32,242

OTHER ASSETS

1 Income accrued on investments 179,691 153,975

2 Outstanding Premiums 2,652 122,793

3 Agents’ Balances - -

4 Foreign Agencies Balances - -

5 Due from other entities carrying on insurance

business (including reinsurers)

184,670 441,669

Less : Provisions for doubtful debts (20,563)

6 Due from subsidiaries/ holding - -

7 Deposit with Reserve Bank of India - -

[Pursuant to section 7 of Insurance Act,

1938]


Deposits for premises 28,896 191,752

Stock of Salvaged Cars - -

TOTAL (B) 375,346 910,189

TOTAL (A+B) 437,225 942,431

Notes:

FORM NL-16-ADVANCES AND OTHER ASSETS SCHEDULE

ADVANCES AND OTHER ASSETS

(c)Sundry Debtors will be shown under item 9(others)

(a)The items under the above heads shall not be shown net of provisions for doubtful amounts. The

amount of provision against each head should be shown separately.

(b)The term ‘officer’ should conform to the definition of that term as given under the Companies Act,

1956.





Dec 31, 2016

As at

Dec 31, 2015

( ` '000) ( ` '000)

1 Agents’ Balances 8,301 5,993

2 Balances due to other insurance companies 48,191 228,155

3 Deposits held on re-insurance ceded - -

4 Premiums received in advance 17,489 32,647

5 Unallocated Premium 129,066 101,706

6 Unclaimed amount of Policy holders' Liabilities 27,547 9,670

7 Sundry creditors 259,945 295,723

8 Due to subsidiaries/ holding company - -

9 Claims Outstanding 3,759,487 2,849,142

10 Due to Officers/ Directors - -

11 Others (to be specified) Service tax liability - 30,490

Tax deducted payable 8,917 9,143

Other statutory dues 3,224 400

TOTAL 4,262,167 3,563,069




FORM NL-17-CURRENT LIABILITIES SCHEDULE

CURRENT LIABILITIES


Dec 31, 2016

As at

Dec 31, 2015

( ` '000) ( ` '000)

1 Reserve for Unexpired Risk 1,292,685 1,852,894

2 For taxation (less advance tax paid and

taxes deducted at source)

- -

3 For proposed dividends - -

4 For dividend distribution tax - -

5 Others :

Provision for Employee benefits 55,336 38,365

TOTAL 1,348,021 1,891,259




FORM NL-18-PROVISIONS SCHEDULE

PROVISIONS


Dec 31, 2016

As at

Dec 31, 2015

( ` '000) ( ` '000)

1 Discount Allowed in issue of shares/

debentures

- -


Pre-operative expenses:

Opening balance - -

Incurred during the year - -

Less :Amortisation during the year - -

TOTAL - -

Notes:

MISCELLANEOUS EXPENDITURE

(To the extent not written off or adjusted)

FORM NL-19 MISC EXPENDITURE SCHEDULE

(b) The amount to be carried forward in respect of any item included under the head “Miscellaneous

Expenditure” shall not exceed the expected future revenue/other benefits related to the expenditure.

(a) No item shall be included under the head “Miscellaneous Expenditure” and carried forward unless:

1. some benefit from the expenditure can reasonably be expected to be received in future, and

2. the amount of such benefit is reasonably determinable.




( ` in lakhs)

Item No. Reserve Gross Reserve Net Reserve Gross Reserve Net Reserve

(a) Unearned Premium Reserve (UPR) 18,763 12,927 28,836 18,529

(b) Premium Deficiency Reserve (PDR) - - - -

(c) Unexpired Risk Reserve (URR)…(a)+(b) 18,763 12,927 28,836 18,529

(d) Outstanding Claim Reserve (other than IBNR reserve) 30,718 18,937 22,579 13,757

(e) IBNR reserve 21,248 18,623 16,341 14,710

(f) Total Reserves for Technical Liabilities…(c)+(d)+(e) 70,728 50,486 67,756 46,996

Note: The form is prepared basis the format as prescribed in the Insurance Regulatory Development Authority of India (Assets, Liabilities and Solvency Margin of General

Insurance Business) Regulations, 2016.

W

FORM NL-21 Statement of Liabilities

HDFC General Insurance Limited

Statement of Liabilities (FORM IRDAI-GI-TR)

Period ended December 31, 2016 Period ended December 31, 2015

PERIODIC DISCLOSURESFORM NL-22 Geographical Distribution of Business

HDFC General Insurance Limited 1330.741668 1330.741668

GROSS DIRECT PREMIUM UNDERWRITTEN FOR AND UPTO THE QUARTER ENDED DECEMBER 31,2016

( `̀̀̀ in Lakhs)

For the qtr Upto the qtr For the qtr Upto the qtr For the qtr Upto the qtr For the qtr Upto the qtr For the qtr Upto the qtr For the qtr Upto the qtr For the qtr Upto the qtr For the qtr Upto the qtr For the qtr Upto the qtr For the qtr Upto the qtr For the qtr Upto the qtr For the qtr Upto the qtr For the qtr Upto the qtr

Andhra Pradesh 7.1 111.1 0.4 11.7 - - 5.2 46.9 57.9 177.2 53.1 134.1 0.9 5.7 2.5 8.3 30.3 101.3 - - - - (0.0) 4.4 157.4 600.8

Arunachal Pradesh - - - - - - - - - - - - - - - - - 0.2 - - - - - - - 0.2

Assam - - - - - - - 3.1 0.1 0.1 0.0 0.0 - - - - 1.3 5.5 - - - - - - 1.5 8.8

Bihar 0.1 0.1 0.0 0.0 - - 1.3 1.3 6.8 6.8 8.1 8.1 - 0.1 - 0.0 4.0 12.9 - - - - 0.0 4.1 20.4 33.4

Chhattisgarh 0.9 0.9 - - - - 0.1 6.9 6.0 6.3 21.1 21.4 0.0 0.0 - - 4.1 14.7 - - - - - - 32.4 50.3

Goa 0.7 0.7 0.1 0.1 - - - - 0.5 0.5 0.5 0.6 - 0.0 - - 1.1 2.1 - - - - - - 2.8 4.0

Gujarat 302.8 434.7 43.8 102.8 - - 8.7 96.6 268.9 982.2 147.7 555.3 9.7 68.7 3.3 22.3 223.7 736.4 0.2 0.2 - - 0.2 9.1 1,009.1 3,008.3

Haryana 7.1 98.9 2.9 4.6 - - 15.5 52.9 176.3 228.9 138.3 177.3 5.6 7.6 0.0 6.4 51.4 161.1 - - - - 0.2 0.2 397.4 737.7

Himachal Pradesh - - 0.6 0.5 - - - - 0.8 0.8 0.4 0.4 - - - - 1.3 2.7 - - - - - - 3.2 4.5

Jammu & Kashmir - - - - - - - - 0.0 0.0 0.0 0.0 - - - - 0.5 1.5 - - - - - - 0.5 1.5

Jharkhand - 0.1 - - - - - 1.1 4.7 9.6 4.6 10.2 - - - - 3.7 8.6 - - - - - 0.1 13.0 29.8

Karnataka 26.0 113.7 4.2 34.2 - - 25.1 59.4 229.2 711.1 210.5 562.0 4.0 16.0 0.1 1.6 61.0 180.8 - - - - 3.3 16.9 563.4 1,695.8

Kerala 1.0 1.0 0.0 0.0 - - - - 3.9 5.7 3.2 4.1 - 0.2 - - 4.3 13.3 - - - - - - 12.4 24.3

Madhya Pradesh 4.5 13.5 - - - - 1.1 11.0 6.4 7.4 7.6 9.1 - 0.6 - - 9.1 23.5 0.0 0.0 - - 0.2 0.2 28.8 65.4

Maharasthra 75.3 1,329.8 20.3 287.5 - - 15.0 193.5 254.2 1,747.5 767.3 1,936.2 9.7 98.8 (0.2) 83.8 536.0 1,804.4 - - - - 5.5 57.2 1,683.0 7,538.7

Manipur - - - - - - - - - - - - - - - - 0.1 0.2 - - - - - - 0.1 0.2

Meghalaya - - - - - - - - 0.5 0.5 0.1 0.1 - - - - 0.1 0.3 - - - - - - 0.7 0.9

Mizoram - - - - - - - - - - - - - - - - 0.2 0.2 - - - - - - 0.2 0.2

Nagaland - - - - - - - - - - - - - - - - - - - - - - - - - -

Orissa 4.9 9.2 - 2.1 - - 3.4 17.9 104.0 351.8 73.0 259.2 1.5 5.4 0.1 1.3 12.0 33.7 - - - - 0.2 0.9 199.0 681.5

Punjab 0.4 25.5 - 0.5 - - - 5.2 8.4 36.9 4.4 16.7 0.2 1.3 - 0.1 7.1 19.1 - - - - - 0.3 20.5 105.5

Rajasthan 0.2 3.9 2.1 4.3 - - - 20.8 97.8 413.0 82.4 360.0 0.0 0.4 - 0.4 14.8 41.1 - - - - - 0.3 197.4 844.0

Sikkim - - - - - - - - 0.3 0.3 0.1 0.1 - - - - - 0.5 - - - - - - 0.4 0.9

Tamil Nadu 65.9 425.8 52.9 186.1 - - 30.8 227.5 125.9 635.4 67.3 459.4 3.2 32.4 0.7 7.3 20.0 284.4 - - - - 4.8 27.0 371.6 2,285.3

Telangana 7.8 63.7 2.1 17.0 - - 5.3 11.6 98.8 349.9 70.9 271.5 0.7 5.2 5.4 7.1 18.7 21.3 - - - - 0.1 3.6 209.9 751.1

Tripura - - - - - - - - - - - - - - - - 0.5 0.6 - - - - - - 0.5 0.6

Uttar Pradesh 6.6 (41.4) 3.8 92.2 - - 36.2 168.4 111.0 317.3 87.9 225.1 0.8 2.3 0.7 8.7 58.5 185.5 - - - - 0.3 5.2 305.8 963.4

Uttrakhand 0.2 0.2 1.8 1.8 - - 13.4 13.4 0.4 0.4 0.4 0.4 - - - - 2.0 5.4 - - - - 0.0 0.0 18.1 21.5

West Bengal 7.4 132.0 0.9 17.0 - - 0.6 16.6 154.8 680.8 103.0 444.8 0.3 5.2 0.0 0.7 52.3 162.3 - - - - 0.6 3.1 320.1 1,462.5

Andaman & Nicobar Is. - - - - - - - - - - - - - - - - - - - - - - - - - -

Chandigarh - - - - - - - - 0.6 1.3 0.4 1.1 - - - - 0.9 1.9 - - - - - - 1.9 4.4

Dadra & Nagra Haveli - - - - - - - - 0.4 0.4 0.3 0.3 - - - - 0.0 0.0 - - - - - - 0.8 0.8

Daman & Diu - - - - - - - - 0.3 0.3 0.1 0.1 - - - - 0.1 0.1 - - - - - - 0.5 0.5

Delhi 72.2 670.9 26.3 90.3 - - 15.3 88.9 330.5 3,939.6 212.3 1,941.0 5.8 30.6 0.4 3.6 73.3 250.1 - - - - 1.7 19.0 737.9 7,034.0

Lakshadweep - - - - - - - - - - - - - - - - - - - - - - - - - -

Puducherry 0.8 0.8 - - - - - - 1.3 2.8 0.5 1.1 - - - - 0.3 1.6 - - - - - - 3.0 6.3

Total 591.9 3,395.1 162.0 852.8 - - 177.0 1,042.7 2,050.9 10,615.1 2,065.9 7,399.9 42.6 280.6 13.0 151.6 1,192.7 4,077.4 0.2 0.2 - - 17.1 151.5 6,313.3 27,967.0

All Other Miscellaneous Grand TotalMotor Third Party Liability insurance Personal Accident Medical InsuranceOverseas medical

InsuranceCrop InsuranceMotor Own Damage

STATES Fire Marine (Cargo) Marine (Hull) Engineering

(` in Lakhs)

S.No. Reinsurance Placements

Proportional Non-Proportional Facultative

1 No. of Reinsurers with rating of AAA and above - - - - 0.0%

2 No. of Reinsurers with rating AA but less than AAA 1 62 - - 2.6%

3 No. of Reinsurers with rating A but less than AA 26 1,814 219 243 94.0%

4 No. of Reinsurers with rating BBB but less than A 4 13 (1) - 0.5%

5 No. of Reinsures with rating less than BBB - - - - 0.0%

6 No. of Indian Reinsures other than GIC 3 - - 71 2.9%

Total 34 1,889 218 314 100.0%

PERIODIC DISCLOSURESFORM NL-23

Premium ceded

to reinsurers /

Total

reinsurance

premium ceded

(%)

No. of

reinsurers

Premium ceded to reinsurers


For the Quarter ending December 31, 2016

Reinsurance Risk Concentration

( ` in lakhs)

Line of BusinessTotal No. of

claims paid

Total amount of

claims paid

1 month 1 - 3 months 3 - 6 months 6 months - 1 year > 1 year

1 Fire * 59 100 49 36 7 251 974.59

2 Marine Cargo 102 66 41 19 4 232 288.61

3 Marine Hull - - - - - - -

4 Engineering * 11 22 7 6 4 50 274.64

5 Motor OD 7,874 3,109 873 419 32 12,307 3,331.21

6 Motor TP * - - 6 20 43 69 397.01

7 Health 1,786 22 - - - 1,808 1,056.38

8 Overseas Travel - - - - - - -

9 Personal Accident 13 17 - - - 30 11.21

10 Liability 18 10 10 10 1 49 53.51

11 Crop - - - - - - -

12 Miscellaneous 45 38 16 7 - 106 53.98

* Claims paid on account of Terrorism pool account have not been reflected in the above statement

Ageing of Claims for the Quarter Ending December 31, 2016

Sl.No.

PERIODIC DISCLOSURES

No. of claims paid

FORM NL-24 Ageing of Claims


No. of claims only

Sl. No. Claims Experience Fire Marine Cargo Marine Hull Engineering Motor OD Motor TP Health Overseas TravelPersonal

AccidentLiability Crop Credit Miscellaneous Total

1 Claims O/S at the beginning of the period 370 270 - 160 5,333 3,038 863 - 32 85 - - 103 10,254

2 Claims reported during the period 322 103 - 43 13,890 431 2,080 - 40 11 - - 45 16,965

3 Claims Settled during the period 183 148 - 28 12,307 69 1,808 - 30 28 - - 60 14,661

4 Claims Repudiated during the period 20 26 - 4 104 - 143 - - 5 - - 11 313

5 Claims closed during the period 48 58 - 18 976 21 357 - 10 16 - - 35 1,539

6 Claims O/S at End of the period 441 141 - 153 5,836 3,379 635 - 32 47 - - 42 10,706

Less than 3months 252 43 - 35 4,471 384 570 - 11 11 - - 13 5,790

3 months to 6 months 58 61 - 22 762 577 58 - 13 18 - - 15 1,584

6 months to 1 year 55 4 - 52 473 747 7 - 5 9 - - 5 1,357

1 year and above 76 33 - 44 130 1,671 - - 3 9 - - 9 1,975

FORM NL-25 : Quarterly claims data for Non-Life



Quarterly claims data for Quarter ended on December 31, 2016

( ` lakhs)

Gross Premium Net Premium

1 Fire 5,690 1,028 9,193 1,049 569 1,379 1,379

2 Marine Cargo 1,218 654 846 506 146 152 152

3 Marine Hull - - - - - - -

4 Motor 28,076 23,000 28,114 23,796 4,600 7,139 7,139

5 Engineering 1,738 308 1,326 625 174 199 199

6 Aviation - - - - - - -

7 Liabilities 433 376 182 175 75 53 75

8 Health 6,100 4,539 3,037 2,598 915 779 915

9 Others 387 223 467 268 54 98 98

Total 43,642 30,127 43,165 29,017 6,533 9,799 9,957

Note: The form is prepared basis the format as prescribed in the Insurance Regulatory Development Authority of India (Assets, Liabilities and

Solvency Margin of General Insurance Business) Regulations, 2016.

RSM-2

FORM NL-26 - CLAIMS INFORMATION (FORM -IRDAI-GI-SM)




Required solvency margin based on net premium and net incurred claims for the Period ended on December 31, 2016

Item

No. Description

PREMIUM

Gross Incurred

Claims

CLAIMS

Net Incurred

ClaimsRSM-1 RSM

]

Sl. No.

1

2

3

Out of approvals of previous

year

4 Out of approvals of this year

5

6

7

8

9

No of branches at the end of the year

No. of branches opened during the year0

0

1

30

No. of branches closed during the year

No. of urban branches

0

0

30

No. of branches approved but not opened

No. of rural branches


Number

31

0

Office Information

No. of offices at the beginning of the year

No. of branches approved during the year

FORM NL-27


Office Information as on December 31, 2016

( ` 'lakhs)

No PARTICULARS SCH AMOUNT

1 Investments 8 66,007.1

2 Loans 9 -

3 Fixed Assets 10 356.3

4 Current Assets -

a. Cash & Bank Balance 11 1,566.4

b. Advances & Other Assets 12 4,372.3

5 Current Liabilities -

a. Current Liabilities 13 42,621.7

b. Provisions 14 13,480.2

c. Misc. Exp not Written Off 15 -

d. Debit Balance of P&L A/c -

Application of Funds as per Balance Sheet (A) 128,403.8

Less: Other Assets SCH Amount

1 Loans (if any) 9 -

2 Fixed Assets (if any) 10 356.3

3 Cash & Bank Balance (if any) 11 1,566.4

4 Advances & Other Assets (if any) 12 4,372.3

5 Current Liabilities 13 42,621.7

6 Provisions 14 13,480.2

7 Misc. Exp not Written Off 15 -

8 Debit Balance of P&L A/c

TOTAL (B) 62,396.7

'Investment Assets' As per FORM 3B (A-B) 66,007.1

Balance FRSM+

(a) (b) (c) d = (a+b+c) (e) (f) (g)=(d+f)

1 Central Govt. Securities Not less than 20% - 4,582.5 15,263.7 19,846.2 30.1% - 19,846.2 19,765.6

2 Central Govt Sec, State Govt Sec or Other Approved Securities (incl (i) above)Not less than 30% - 6,050.6 20,153.7 26,204.3 39.7% - 26,204.3 26,234.2

3 Investment subject to Exposure Norms - - - - -

a. 'Housing & Loans to SG for Housing and FFE Not less than 5% - - - - -

1. Approved Investments - 1,864.9 6,211.8 8,076.8 12.2% - 8,076.8 8,274.0

2. Other Investments - - - - 0.0% - - -

b. Infrastructure Investments Not less than 10% - - - - - - -

1. Approved Investments - 3,398.2 11,319.0 14,717.2 22.3% 14,717.2 15,000.1

2. Other Investments - 69.8 232.7 302.5 0.5% - 302.5 317.7

c. Approved Investments 3,691.8 12,335.4 16,038.8 24.3% 2.4 16,041.2 16,228.4

d. Other Investments (not exceeding 25%) - 153.1 510.1 663.3 1.0% 1.9 665.1 665.1

Total Investment Assets 100% 15,228.5 50,762.7 66,002.8 100% 4.3 66,007.1 66,719.5

Market

Value

(h)

No 'Investment' represented as Reg. %

SHPH TotalBook Value (SH + PH) FVC Amount% Actual

Not exceeding 55%

FORM NL-28-STATEMENT OF ASSETS - 3B


Statement as on: December 31, 2016

Statement of Investment Assets (General Insurer, Re-insurers)

(Business within India)

Periodicity of Submission: Quarterly

( ` in Lakhs)

As at 31-Dec-16

as % of total

for this

class

As at 31-Dec-15as % of total

for this classAs at 31-Dec-16

as % of total

for this

class

As at 31-Dec-15as % of total for

this class

Break down by credit rating

AAA rated 31,791 48% 22,002 41% 31,271 48% 21,645 40%

AA or better 7,712 12% 9,302 17% 7,562 12% 9,134 17%

Rated below AA but above A 318 0% 1,336 2% 302 0% 1,328 2%

Rated below A but above B - 0% - 0% - 0% - 0%

Any other- SOVEREIGN 26,234 40% 21,503 40% 26,204 40% 21,411 40%

66,054 100% 54,142 100% 65,340 100% 53,518 100%

BREAKDOWN BY RESIDUALMATURITY

Up to 1 year 9,919 15% 7,731 14% 9,901 15% 7,654 15%

more than 1 yearand upto 3years 12,070 18% 8,228 18% 11,752 18% 8,074 18%

More than 3 years and up to 7years 17,038 26% 21,925 22% 16,810 26% 21,638 22%

More than 7 years and up to 10 years 17,467 26% 8,617 22% 17,255 26% 8,519 22%

above 10 years 9,561 14% 7,642 24% 9,622 15% 7,633 23%

66,054 100% 54,142 100% 65,340 100% 53,518 100%

Breakdown by type of the issurer

a. Central Government 25,137 38% 20,455 38% 25,107 38% 20,377 38%

b. State Government 1,097 2% 1,048 2% 1,097 2% 1,034 2%

c. Corporate Securities 39,820 60% 32,639 60% 39,135 60% 32,107 60%

66,054 100% 54,142 100% 65,340 100% 53,518 100%

Note

1. In case of a debt instrument is rated by more than one agency, then the lowest rating will be taken for the purpose of classification.

MARKET VALUE Book Value

2. Market value of the securities will be in accordance with the valuation method specified by the Authority under Accounting/ Investment regulations.

Detail Regarding debt securities

PERIODIC DISCLOSURESFORM NL-29


Sl.No. ParticularQuarter ended

Dec 31, 2016

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

1 Gross Direct Premium Growth Rate -48.43% -13.08% 46.41% 43.07%

2 Gross Direct Premium to shareholders' fund ratio 172.68% 172.68% 242.88% 242.88%

3 Growth rate of shareholders' fund 22.25% 22.25% -7.44% -7.44%

4 Net Retention Ratio 62.88% 62.48% 69.46% 72.83%

5 Net Commission Ratio -3.60% -2.59% 2.06% 1.91%

6 Expense of Management to Gross Direct Premium Ratio 41.13% 55.49% 44.95% 48.14%

7 Expenses of Management to Net Written Premium Ratio 63.30% 87.24% 63.86% 64.45%

8 Net Incurred Claims to Net Earned Premium 95.83% 87.18% 88.75% 79.71%

9 Combined Ratio 148.75% 164.41% 148.77% 139.91%

10 Technical Reserves to net premium ratio 283.82% 283.82% 195.55% 195.55%

11 Underwriting balance ratio -21.93% -37.86% -62.08% -48.38%

12 Operating Profit Ratio 1.79% -20.25% -49.82% -36.49%

13 Liquid Assets to liabilities ratio 26.01% 26.01% 18.57% 18.57%

14 Net earnings ratio 18.58% -23.63% -37.40% -28.51%

15 Return on net worth ratio -25.95% -25.95% -51.72% -51.72%

16Available Solvency Margin (ASM) to Required Solvency

Margin (RSM) Ratio

17 NPA Ratio

Gross NPA Ratio NA NA NA NA

Net NPA Ratio NA NA NA NA

1 (a) No. of shares

2 (b) Percentage of shareholding -Indian

(b) Percentage of shareholding -Foreign

3( c) %of Government holding (in case of public sector insurance

companies)

4(a) Basic EPS before extraordinary items (net of tax expense)

for the period (not to be annualized) 0.87 2.96 (1.09) (1.09)

5(b) Diluted EPS after extraordinary items (net of tax expense)

for the period (not to be annualized) 0.86 2.94 (1.09) (1.09)

6 (iv) Book value per share (Rs)

*For segment-wise ratios, please refer Annexure 3


Analytical Ratios for Non-Life companies *

Equity Holding Pattern for Non-Life Insurers


FORM NL-30 Analytical Ratios

1.56 1.40

767,000,000

100.00%

0.00%

0.00%

2.11

662,000,000

100.00%

0.00%

0.00%

2.00

( ` in Lakhs)

Quarter ended

Dec 31, 2016Upto 8th Sept, 2016

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

Transactions with Related Parties where L&T was a Holding Company till 8th Sept,2016

1 Larsen & Toubro Ltd Holding Company Share Capital Received - 4,700.00 2,500.00 4,200.00

Premium Income - 297.65 137.17 600.36

Claims Paid - 607.67 18.60 234.44

Business Support Services - 45.01 16.01 68.25

Purchase of Services - 0.48 - 0.33

IT Software Expenses - 10.47 - 12.34

Reimbursemnet Of Expenses - 4.18 4.79 6.59

Rent paid For Premises - 17.56 13.51 22.01

Deputation Costs - 9.88 19.94 48.50

Asset Purchase - - - 0.29

2 L&T Finance Ltd Fellow Subsidiary Premium Income - 25.56 - 3.19

Reimbursement of Expenses - 1.26 1.00 2.04

IT Assets Operating Lease Payments - 198.52 97.03 496.40

Share of Common Costs - - 83.39 243.36

Rent Paid for Premises - 148.33 - -

IT Software Expenses - 68.70 1.93 1.93

Deputation Costs - 96.97 50.00 150.00

3 Larsen & Toubro Infotech Ltd Fellow Subsidiary Premium Income - 0.07 11.68 11.87

Purchase of services-IT Opex - 16.77 4.88 18.35

Purchase of services-IT CAPEX - 106.00 13.63 44.13

Claims Paid - 0.92 - -

4 L&T Investment Management Limited Fellow Subsidiary Deputation Costs - - - 10.45

5 L&T Finance Holdings Ltd Fellow Subsidiary Deputation Costs - 165.79 99.39 283.91

8 L & T Vrindavan Properties Limited Fellow Subsidiary Rent Paid for Premises - 23.49 11.88 33.78

Share of Common Cost - 11.77 8.26 22.49

9 L&T Devihalli Hassan Tollway Pvt Ltd Fellow Subsidiary Premium Income - 0.35 14.38 14.38

Claims paid - 0.01 1.19 6.16

10 L&T Krishnagiri Thopur Toll Road Ltd Fellow Subsidiary Premium Income - 0.01 0.91 0.91

Claims paid - 0.35 0.88 4.27

11 L&T Krishnagiri Walajahpet Tollway Ltd Fellow Subsidiary Premium Income - 0.28 34.28 34.33

Claims paid - 1.32 2.84 11.88

12 L&T-Mhi Boilers Pvt Ltd Fellow Subsidiary Premium Income - 2.87 2.87 24.03

13 L&T Valdel Engineering Ltd Fellow Subsidiary Premium Income - 7.81 0.01 8.78

14 L&T Infrastructure Development Projects Pvt Ltd Fellow Subsidiary Premium Income - 7.15 1.84 5.70

Claims Paid - 0.13 - 0.99

15 L&T - South City Projects Limited Fellow Joint Venture Premium Income - 0.30 0.02 0.02

Claims paid - - 2.38 2.38

16 L&T Chennai – Tada Tollway Ltd Fellow Subsidiary Premium Income - - 18.07 22.93

Claims paid - 10.41 0.29 3.88

17 L&T Interstate Road Corridor Ltd Fellow Subsidiary Premium Income - - - 7.38

Claims paid - - - 7.74

18 L&T Panipat Elevated Corridor Ltd Fellow Subsidiary Premium Income - - 0.04 6.95


19 L&T Transportation Infrastructure Ltd Fellow Subsidiary Premium Income - - - 2.15

Claims paid - - - 0.25

20 PNG Tollway Ltd Fellow Subsidiary Premium Income - - - 18.48

Claims paid - 3.22 1.18 4.13

21 Salzer Electronics Ltd Fellow Associate Premium Income - 0.75 0.03 5.06


22 L&T Shipbuilding Ltd Fellow Subsidiary Premium Income - 31.94 55.11 90.59

23 L&T Kobelco Machinery Pvt Ltd Fellow Subsidiary Premium Income - 0.09 - 0.09

Claims Paid - - - -

24 L&T Rajkot - Vadinar Tollway Ltd Fellow Subsidiary Premium Income - 0.55 0.01 0.01


25 L&T Ahmedabad - Maliya Tollway Ltd Fellow Subsidiary Premium Income - 30.47 0.01 25.30

FORM NL-31 : Related party Transactions

Related Party Transactions

Sl.No. Name of the Related PartyNature of Relationship

with the CompanyDescription of Transactions / Categories

Consideration paid / received


( ` in Lakhs)

Quarter ended

Dec 31, 2016Upto 8th Sept, 2016

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2015

FORM NL-31 : Related party Transactions

Related Party Transactions

Sl.No. Name of the Related PartyNature of Relationship


Consideration paid / received


Claims paid - 2.40 1.86 5.82

26 L&T Chiyoda Ltd Fellow Associate Premium Income - 0.03 - 0.01

27 L&T Vadodara Bharuch Tollway Ltd Fellow Subsidiary Premium Income - 25.44 0.26 20.89

Claims paid - 0.95 0.82 33.98

28 L&T Mhi Turbine Generators Pvt Ltd Fellow Subsidiary Premium Income - 0.09 - 13.28

Claims paid - 0.17 -

29 L&T Halol Shamlaji Tollway Ltd Fellow Subsidiary Premium Income - - - -

Claims paid - 0.67 0.96 1.70

30 L&T Metro Rail Hyderabad Ltd Fellow Subsidiary Premium Income - 0.15 - -

31 L&T Western Andhra Tollways Ltd Fellow Subsidiary Premium Income - - 0.56 0.84

Claims Booking - 5.20 0.96 4.90

32 L&T Construction Equipment Ltd Fellow Subsidiary Premium Income - - - -

Claims Paid - 17.17 0.07 0.89

33 L&T Valves Ltd Fellow Subsidiary Premium Income - 0.76 - 0.96

Claims Paid - - - 0.06

34 L&T Housing Finance Ltd Fellow Subsidiary Premium Income - 130.49 81.71 277.56

Claims Paid - 6.49 - -

Security Deposit Paid - 0.47 - -


35 CSJ Infrastructure Pvt Limited Fellow Subsidiary Claims Paid - 6.25 - 7.05

36 L&T Samakhiali Gandhidham Tollway Private Limited Fellow Subsidiary Premium Income - 0.04 121.17 135.35

38 BPP Tollway Limited Fellow Subsidiary Premium Income - 1.05 - 0.55

Claims Paid - 0.57 0.02 0.02

39 L & T Hydrocarbon Engineering Ltd Fellow Subsidiary Claims Paid - 0.05 3.68 3.68

40 EWAC Alloys Limited Fellow Subsidiary Premium Income - - - 0.01

41 Spectrum Infotech (P) Ltd. Fellow Subsidiary Premium Income - 0.32 - 0.17

42 L&T Sambhalpur Rourkela Tollway Limited Fellow Subsidiary Premium Income - - - 0.05

43 L&T Housing Finance Ltd Fellow Subsidiary Security Deposit Paid - 0.47 - -

44 Family Credit Ltd. Fellow Subsidiary Security Deposit Paid - 1.17 - -


45 Kudgi Transmission Limited Fellow Subsidiary Premium Income - 0.01 - -

46 Mukund M.Chitale Director Sitting Fees - 1.60 - -

47 Haris Ansari Director Sitting Fees - 1.80 - -

*including the premium flow through Associates/ Group companies as an agent

Transactions for the period 09.09.2016 to 31.12.2016(HDFC ERGO as Holding Co)

For the quarter

ended

December

31,2016

For the period ended

December 31,2016

For the quarter

ended

December

31,2015

For the period

ended December

31,2015

1 HDFC ERGO General Insurance Company Limited Holding Company Share Capital Received - 1,500.00 - -

Deputation Cost Received 720.82 720.82 - -

Share Of Common Cost Received 13.18 13.18 - -

Share Of Common Cost Paid 32.03 32.03 - -

2 HDFC Limited

Ultimate Holding

Company Interest Income Received 54.71 54.71 - -

Sl.No Name of the Related PartyNature of Relationship


Consideration paid / received*

List below the products and/or add-ons introduced during the period

Sl.

No.Name of Product Co. Ref. No. IRDA Ref.no.

Class of

Business*

Category of

product

Date of filing

of Product

Date IRDA

confirmed

filing /

approval

Products Information



FORM NL-32 Products Information

NIL

( ` lakhs)

ITEM NO. DESCRIPTION AMOUNT

Policyholder's Funds

(A) Available assets (as per Form IRDAI-GI-TA) 50,766

Deduct:

(B) Current Liabilities as per BS 50,486

(C) Provisions as per BS -

(D) Other Liabilities 275

(E) Excess in Policyholder's funds (A)-(B)-(C)-(D) 4

Shareholder's Funds

(F) Available assets (as per Form IRDAI-GI-TA) 20,861

Deduct:

(G) Other Liabilities 5,340

(H) Excess in Shareholder's funds (F)-(G) 15,521

(I) Total ASM (E)+(H) 15,525

(J) Total RSM 9,957

(K) SOLVENCY RATIO (Total ASM / Total RSM) 1.559

Note: The form is prepared basis the format as prescribed in the Insurance Regulatory

Development Authority of India (Assets, Liabilities and Solvency Margin of General

Insurance Business) Regulations, 2016.

Solvency for the period ended December 31, 2016

Available Solvency Margin and Solvency Ratio


FORM NL-33 - SOLVENCY MARGIN



TABLE IB

Sl. No. Name of person Role/Designation Details of change in the period

1 Mr.Mehernosh B Kapadia Independent Director w.e.f September 9,2016

2 Mr.Bernhard Steinruecke Independent Director w.e.f September 9,2016

3 Mr.Ritesh Kumar Non Executive Director w.e.f September 9,2016

4 Mr.Mukesh Kumar Managing Director & CEO w.e.f September 9,2016

5 Mr.Samir . H .Shah Chief Financial Officer & Chief Risk Officer w.e.f September 9,2016

6 Mr.Abhiranjan Gupta Chief Investment Officer w.e.f September 9,2016

7 Mr. R. Narasimhan National Head - Underwriting, Claims and Reinsurance w.e.f September 9,2016

8 Mr.Anurag Rastogi Appointed Actuary w.e.f September 9,2016

9 Mr.Dayananda .V. Shetty Company Secretary & Compliance Officer w.e.f September 9,2016

* Key Persons as defined in IRDA (Registration of Indian Insurance Companies) Regulations, 2000


BOD and Key Person* information as on December 31, 2016

FORM NL-34 : Board of Directors & Key Person


%

Has there

been

revision?

AmountBoard Approval

Ref

NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL

COIDeferred

Principal

Company

Name

Provision

(Rs)

Defaulty

Interest

(Book

Value)

Provision

(%)

Rolled

Over?

Instrument

Type

Interest

Due from

Deferred

Interest

Principal

Due fromClassification

Default

Principal

(Book

Value)

Interest RateTotal O/s

(Book

Value)

Has there been any Principal

FORM NL-35-NON PERFORMING ASSETS-7A

Company Name & Code: HDFC GENERAL INSURANCE LIMITED (Code - 146 )

Statement as on: December 31, 2016

Details of Investment Portfolio

Periodicity of Submission : Quarterly

( ` lakhs)

No. Category of Investment Cat Code Income Gross Yield (%) Net Yield (%) Income Gross Yield (%) Net Yield (%) Income Gross Yield (%) Net Yield (%)

Book Value Market Value** Book Value Market Value** Book Value Market Value**

1 G-Sec

A01 CENTRAL GOVT. BONDS CGSB 17,726.6 17,340.6 1,082.9 6.1% 6.1% 20,010.8 17,340.6 2,699.4 13.5% 13.5% 17,637.71 19,968.17 1,125.29 6.38 6.38

A02 SPECIAL DEPOSITS CSPD - - -

A03 DEPOSIT UNDER SECTION 7 OF INSURANCE ACT 1938 CDSS - - - - - 1,510.52 24.86 1.65 1.65

A04 TREASURY BILLS CTRB 2,303.2 2,425.0 1.14 0.0% 0.0% 2,303.2 2,425.0 1.1 0.0% 0.0%

2 G. Sec or Other Approved Sec/Guaranteed Sec

B01 CENTRAL GOVERNMENT GUARANTEED LOANS CGSL - - - - -

B02 STATE GOVERNMENT BONDS SGGB 1,035.2 1,097.1 87.9 8.5% 8.5% 1,033.2 1,097.1 130.98 12.7% 12.7% 1,317.07 1,048.05 119.56 9.08 9.08

B03 STATE GOVERNMENT GUARANTEED LOANS SGGL - - -

B04 OTHER APPROVED SECURITIES (EXCLUSING INFRASTRUCTURE / SOCIAL SECTOR INVESTMENTS) SGOA 4,602.5 5,371.5 129.5 2.8% 2.8% 4,583.6 5,371.5 84.3 1.8% 1.8%

B05 GUARANTEED EQUITY SGGE - - -

3 Investments subject to Expsoure Norms

(a) Housing & Loans to State Govt for Housing / FFE - - - - - -

C01 LOANS TO STATE GOVERNMENT FOR HOUSING HLSH - - - - - - - -

C02 LOANS TO STATE GOVERNMENT FOR FIRE FIGHTING EQUIPMENTS HLSF - - - - - - - -

C03 TERM LOAN - HUDCO/NHB/INSTITUTIONS ACCREDITED BY NHB HTLH - - - - - - - -

C04 TERM LOAN TO INSTITUTIONS ACCREDITED BY NHB HTLN - - - - - - - -

C05 HOUSING - SECURITISED ASSETS HMBS - - - - - - - -

C06 DEBENTURES / BONDS / CPS / LOANS - (PROMOTER GROUP) HDPG 2,366.2 1,437.8 80.5 3.4% 3.4% 2,374.7 1,437.8 80.5 3.4% 3.4%

TAXABLE BONDS

C07 BONDS/DEBENTURES ISSUED BY HUDCO HTHD - - -

C08 BONDS / DEBENTURES ISSUED BY NHB/INSTITUTIONS ACCREDITED BY NHB HTDN 6,120.3 6,836.1 157.2 2.6% 2.6% 7,450.5 6,836.1 541.7 7.3% 7.3% 6,223.74 7,121.42 435.86 7.00 7.00

C09 BONDS / DEBENTURES ISSUED BY AUTHORITY CONSTITUTED UNDER ANY HOUSING / BUIDLING SCHEME APPROVED BY CHTDA - - -

TAX FREE BONDS - - -

C10 BONDS / DEBENTURES ISSUED BY HUDCO HFHD - - - -

C11 BONDS / DEBENTURES ISSUED BY NHB HFDN - - - -

C12 BONDS / DEBENTURES ISSUED BY AUTHORITY CONSTITUTED UNDER ANY HOUSING / BUIDLING SCHEME APPROVED BY CHFDA - - -

(b) Infrastructure Investments

D01 INFRASTRUCTURE - OTHER APPROVED SECURITIES ISAS - - -

D02 INFRASTRUCTURE - PSU - EQUITY SHARES - QUOTED ITPE - - - -

D03 INFRASTRUCTURE - CORPORATE SECURITIES - EQUITY SHARES-QUOTED ITCE - - - -

D04 INFRASTRUCTURE - EQUITY AND EQUITY RELATED INSTRUMENTS (PROMOTER GROUP) IEPG - - -

D05 INFRASTRUCTURE - SECURITISED ASSETS IESA - - -

D06 INFRASTRUCTURE - DEBENTURES / BONDS / CPS / LOANS - (PROMOTER GROUP) IDPG - - - 499.79 4.01 0.80 0.80

D07 INFRASTRUCTURE - INFRASTRUCTURE DEVELOPEMENT FUND (IDF) IDDF

D08 INFRASTRUCTURE - LONG TERM BANK BONDS ILBI - - - -

TAXABLE BONDS - - -

D09 INFRASTRUTURE - PSU - DEBENTURES / BONDS IPTD 10,099.2 10,059.0 357.4 3.5% 10,099.2 10,059.0 827.6 8.2% 8.2% 6,914.20 7,268.11 470.25 6.80 6.80

D10 INFRASTRUCTURE - PSU - CPS IPCP - - - - - - - -

D11 INFRASTRUCTURE - OTHER CORPORATE SECURITIES - DEBENTURES / BON ICTD 4,790.3 4,941.1 99.5 2.1% 2.1% 4,790.3 4,941.1 171.8 3.6% 3.6% 126.00 132.57 9.23 7.33 7.33

D12 INFRASTRUCTURE - OTHER CORPORATE SECURITIES - CPS ICCP - - - - -

D13 INFRASTRUCTURE - TERM LOANS (WITH CHARGE) ILWC - - -

TAX FREE BONDS - - -

D14 INFRASTRUCTURE / SOCIAL SECTOR - PSU - DEBENTURES / BONDS IPFD - - - - -

D15 INFRASTRUCTURE / SOCIAL SECTOR - OTHER CORPORATE SECURITIES (APPROVED INVESTMENTS) - DEBENTURES / BO ICFD - - -

OTHER INVESTMENTS

D16 INFRASTRUCTURE - EQUITY ( INCLUDING UNLISTED) IOEQ

D17 INFRASTRUCTUTE - DEBENTURES/BONDS/CPs/LOANS IODS 302.7 317.7 8.3 2.8% 2.8% 302.7 317.7 25.83 8.5% 8.5% 303.47 320.44 25.97 8.56 8.56

D18 INFRASTRUCTURE- SECURITIESED ASSETS IOSA

D19 INFRASTRUCTURE - EQUITY ( PROMOTER GROUP) IOPE

D20 INFRASTRUCTURE-DEBENTURES/BONDS/CPs/LOANS(PROMOTER GROUP) IOPD

(c) Approved Investments

E01 PSU - EQUITY SHARES - QUOTED EAEQ - - - -

E02 CORPORATE SECURITIES - EQUITY SHARES (ORDINARY) - QUOTED EACE - - - -

E03 EQUITY SHARES - COMPANIES INCORPORATED OUTSIDE INDIA (INVESTED PRIOR TO IRDA REGULATIONS) EFES - - -

E04 EQUITY SHARES (INCL. EQUITY RELATED INSTRUMENTS) - PROMOTER GROUP EEPG - - - - - - -

E05 CORPORATE SECURITIES - DEBENTURES (Taxable) EPBT - - - - - - - -

E06 CORPORATE SECURITIES - BONDS (TAX FREE) EPBF - - - - - - - -

E07 CORPORATE SECURITIES - PREFERENCE SHARES EPNQ - - - - -

E08 CORPORATE SECURITIES - INVESTMENT IN SUBSIDIARIES ECIS - - - -

E09 CORPORATE SECURITIES (APPROVED INVESTMENT) - DEBENTURES (Taxable) ECOS 12,210.1 10,249.1 384.9 3.2% 3.2% 12,210.1 10,249.1 962.1 7.9% 7.9% 10,052.38 9,794.29 710.73 7.07 7.07

E10 CORPORATE SECURITIES - DEBENTURES / BONDS/ CPS /LOAN - (PROMOTER GROUP) EDPG - - - - 60.63 1,558.96 1,570.88 34.94 2.24 2.24

E11 CORPORATE SECURITIES (APPROVED INVESTMENT) - DERIVATIVE INSTRUMENT ECDI - - -

E12 INVESTMENT PROPERTIES - IMMOVABLE EINP - - -

E13 LOANS - POLICY LOANS ELPL - - -

E14 LOANS - SECURED LOANS - MORTGAGE OF PROPERTY IN INDIA (TERM LOAN) ELMI - - -

Investment* Investment* Investment*

FORM NL-36-YIELD ON INVESTMENTS


Statement as on: December 31,2016

Statement of Investment and Income on Investment


Previous YearCurrent Quarter Year To Date

( ` lakhs)

No. Category of Investment Cat Code Income Gross Yield (%) Net Yield (%) Income Gross Yield (%) Net Yield (%) Income Gross Yield (%) Net Yield (%)

Book Value Market Value** Book Value Market Value** Book Value Market Value**

Investment* Investment* Investment*

FORM NL-36-YIELD ON INVESTMENTS



Statement of Investment and Income on Investment


Previous YearCurrent Quarter Year To Date

E15 LOANS - SECURED LOANS - MORTGAGE OF PROPERTY OUTSIDE INDIA (TERM LOAN) ELMO - - -

E16 DEPOSITS - DEPOSIT WITH SCHEDULED BANKS,F I s ( INCL. BANK BALANCE AWAITING INVESTMENT),CCIL RBI ECDB - - 9.5 - - 10.2 1,000.00 1.15 0.12 0.12

E17 DEPOSITS - CDS WITH SCHEDULED BANKS EDCD 976.0 985.7 19.5 976.0 985.7 56.1 5.7% 5.7% 2,015.03 987.05 128.06 6.36 6.36

E18 DEPOSITS - REPO / REVERSE REPO ECMR - - -

E19 DEPOSIT WITH PRIMARY DEALERS DULY RECOGNISED BY RESERVE BANK OF INDIA EDPD - - -

E20 CCIL - CBLO ECBO - - -

E21 COMMERCIAL PAPERS ECCP 971.1 982.1 22.0 2.3% 2.3% 971.1 982.1 62.9 6.5% 6.5%

E22 APPLICATION MONEY ECAM - - - - -

E23 PERPETUAL DEBT INSTRUMENTS OF TIER I AND II CAPITAL ISSUED BY PSU BANKS EUPD - - -

E24 PERPETUAL DEBT INSTRUMENTS OF TIER I AND II CAPITAL ISSUED BY NON-PSU BANKS EPPD - - - - - - -

E25 PERPETUAL NON-CUM. P.SHARES AND REDEEMABLE CUMULATIVE P.SHARES OF TIER 1 AND 2 CAPITAL ISSUED BY PSU EUPS - - - - - - -

E26 PERPETUAL NON-CUM. P.SHARES AND REDEEMABLE CUMULATIVE P.SHARES OF TIER 1 AND 2 CAPITAL ISSUED BY NON EPPS - - - - - - -

E27 FOREIGN DEBT SECURITIES (INVESTED PRIOR TO IRDA REGULATIONS) EFDS - - - - - - -

E28 MUTUAL FUNDS - GILT / G SEC / LIQUID SCHEMES EGMF 2,670.1 4,011.4 52.4 2.0% 2.0% 1,308.6 4,011.4 72.9 5.6% 5.6% 972.51 858.00 55.59 5.72 5.72

E29 MUTUAL FUNDS - (UNDER INSURERS PROMOTER GROUP) EMPG - - - - 51.4 339.51 616.23 7.67 2.26 2.26

E30 NET CURRENT ASSETS (ONLY IN RESPECT OF ULIP BUSINESS) ENCA - - -

(d) Other Investments

F01 BONDS - PSU - TAXABLE OBPT - - -

F02 BONDS - PSU - TAX FREE OBPF - - -

F03 EQUITY SHARES (INCL. PSU & UNLISTED) OESH - - - - -

F04 EQUITY SHARES (PSUS AND UNLISTED) OEPU - - - - -

F05 EQUITY SHARES (INCL. EQUITY RELATED INSTRUMENTS) - PROMOTER GROUP OEPG - - -

F06 DEBENTURES OLDB - - - - 68.9 1,025.59 1,015.52 37.61 3.67 3.67

F07 DEBENTURES / BONDS/ CPS / LOANS ETC. - (PROMOTER GROUP) ODPG - - -

F08 COMMERCIAL PAPERS OACP - - -

F09 PREFERENCE SHARES OPSH - - - - -

F10 VENTURE FUND OVNF - - - - - - -

F11 SHORT TERM LOANS (UNSECURED DEPOSITS) OSLU - - - - - - -

F12 TERM LOANS (WITHOUT CHARGE) OTLW - - - - - - -

F13 MUTUAL FUNDS -DEBT /INCOME/SERIAL PLANS/LIQUID SCHEMES OMGS 130.8 - 10.2 1,552.4 - 119.0 7.7% 7.7% 1,649.56 2,549.73 88.30 5.35 5.35

F14 MUTUAL FUNDS - (UNDER INSURERS PROMOTER GROUP) OMPG - - 387.3 - 23.4 6.0% 6.0% 578.86 407.68 46.50 8.03 8.03

F15 ORAD 1,450.0 - 68.8 1,450.0 68.8 4.7% 4.7%

F16 MUTUAL FUNDS - PASSIVELY MANAGED EQUITY ETF (NON PROMOTER GROUP) OETF 699.4 665.1 0.0% - 673.5 665.1 3.3 0.5% 0.5% 537.76 642.42

F17 DERIVATIVE INSTRUMENTS OCDI - - -

F18 SECURITISED ASSETS OPSA - - -

F19 INVESTMENT PROPERTIES - IMMOVABLE OIPI - - -

Total * 65,168.4 66,719.5 2,571.8 3.9% 3.9% 63,863.4 66,719.5 6,122.8 9.6% 9.6% 54,262.7 54,300.6 3,325.6 8.9% 8.9%

* Daily Average Investment Assets has been shown

** Market Value has been shown as at end of the quarter/year

( `̀̀̀ in Lakhs)

No Name of the Security COI AmountDate of

Purchase

Rating

Agency

Original

Grade

Current

Grade

Date of

DowngradeRemarks

A. During the Quarter ¹

- - - - - - - -

B. As on Date ²

1 11.69% TATA TELESERVICES NCD 14-08-2025 IODS 302.50 8-Jul-11 CARE A+ A 18-Feb-14

FORM NL-37-DOWN GRADING OF INVESTMENT



Statement of Down Graded Investments


( ` lakhs)

Premium No. of Policies Premium No. of Policies Premium No. of Policies Premium No. of Policies

1 Fire 591.9 1,865.0 1,207 3,033 3,395 9,240 4,123 9,470

2 Cargo & Hull 162.0 263.0 316 1,551 853 2,791 1,083 4,032

3 Motor TP 2,065.9 774.0 3,174 10,977 7,400 13,987 6,846 15,091

4 Motor OD 2,050.9 86,529.0 5,279 100,789 10,615 275,726 13,293 245,602

5 Engineering 177.0 77.0 476 401 1,043 514 1,334 1,258

6 Workmen's Compensation 34.7 168.0 118 668 225 1,420 373 2,201

7 Employer's Liability 7.9 25.0 - - 55 38 - -

8 Aviation - - - - - - - -

9 Personal Accident 13.0 181.0 67 938 152 2,516 213 4,147

10 Health 1,192.9 15,748.0 1,501 14,898 4,078 51,466 4,602 43,987

11 Weather - - - - - - - -

FORM NL-38 Annual Business Returns across line of Business


Period ended

Dec 31, 2015

Business Returns across line of Business

Period ended

Dec 31, 2016

Quarter ended

Dec 31, 2016

Quarter ended

Dec 31, 2015

Sl.No. Line of Business


( ` lakhs)

Sl.No. Line of Business Particular No. of Policies Issued Premium Collected Sum Assured

Rural 1,075 198.12 414,878.96

Social

Rural 135 44.57 583,750.47

Social

Rural 20 119.46 -

Social

Rural 31,314 1,191.39 28,577.97

Social

Rural 29 6.60 9,268.88

Social

Rural 120 20.06 3,476.67

Social

Rural - - -

Social

Rural - - -

Social

Rural 117 1.63 77.20

Social - -

Rural 78 5.54 1,460.00

Social

Rural - - -

Social

Rural 279 12.69 87,013.33

Social

Rural 1,853 1,600.06 1,128,503.48

Social ** - - -

*any other segment contributing more than 5% needs to be shown separately

** Indicates No of lives covered

12 Others*

6 Workmen's Compensation

7 Employer's Liability

3 Motor TP

4 Motor OD

5 Engineering

Total

10 Health

8 Aviation

9 Personal Accident

11 Weather


Rural & Social Obligations (Annual Returns)

1 Fire

2 Cargo & Hull

HDFC General Inaurance Limited

FORM NL-39 Rural & Social Obligations

( ` lakhs)

1 Individual agents 12,666 1,185 13,538 1,241 43,146 4,014.1 38,961 3,640

2 Corporate Agents-Banks 205 14 - - 205 14.3 - -

3 Corporate Agents-Others 923 33 12,430 1,035 1,736 255.3 37,470 3,352

4 Brokers 56,843 2,144 31,836 4,210 197,528 11,874.7 64,942 9,710

5 Micro Agents - - 254 2 1,271 7.8 891 7

6 Direct Business 28,250 2,478 76,277 5,720 108,822 11,342.7 187,733 15,372

7 Others 6,945 458 - - 6,945 458 - -

Total (A) 105,832 6,313.3 134,335 12,207.8 359,653 27,966.9 329,997 32,081.3

1 Referral (B) - - - - - - - -

Grand Total (A+B) 105,832 6,313.3 134,335 12,207.8 359,653 27,966.9 329,997 32,081.3

1. Premium means amount of direct premium received from business acquired by the source

2. No of Policies stand for no. of policies sold

Premium No. of Policies Premium No. of Policies Premium

PERIODIC DISCLOSURESFORM NL-40 Business Acquisition through different channels


Sl.No.

Business Acquisition through different channels

Channels

Quarter ended

Dec 31, 2016

Quarter ended

Dec 31, 2015

Period ended

Dec 31, 2016

Period ended

Dec 31, 2015

No. of Policies PremiumNo. of Policies

Insurer: HDFC General Insurance Limited

GRIEVANCE DISPOSAL FOR THE PERIOD ENDED December 31, 2016

Fully Accepted Partial Accepted Rejected

1 Complaints made by customers

a) Proposal Related 2 101 49 - 47 7 297

b) Claims - 5 1 - 4 - 8

c) Policy Related 2 57 17 - 38 4 156

d) Premium - 25 20 - 2 3 75

e) Refund - - - - - - 3

f) Coverage - 6 5 - 1 - 18

g) Cover Note Related - - - - - - -

h) Product - 1 1 - - - 1

i) Others - - - - - - 2

Total - 7 5 - 2 - 34

2 Total No. of policies during previous year: 329,747

3 ** Total No. of claims during previous year: 18,789

4 Total No. of policies during current year: 359,653

5 ** Total No. of claims during current year: 53,575

6 #

Total No. of Policy Compliants (current year)

per 10,000 policies (current year): 15.29

7

Total No. of Claim Compliants (current year)

per 10,000 claims registered (current year): 1.49

# Total number of policy complaints includes all complaints other than those reported under "Claims" and "Others"

8 Duration wise Pending Status

Complaints made by

customers

Complaints made by

intermediaries Total

a) Upto 7 days 5 - 5

b) 7 - 15 days 2 - 2

c) 15 - 30 days - - -

d) 30 - 90 days - - -

e) 90 days & beyond - - -

Total No. of complaints 7 - 7

* Opening balance should tally with the closing balance of the previous financial year.

** Total number of claims have been considered as intimated claims


Total complaints registered

upto the quarter during the

financial year

Sl No. Particulars

Opening Balance *

As on being of

the quarter

Additions

during the quarter

Complaints Resolved /Settled during

the quarter

Complaints Pending

at the end of

the quarter

FORM NL-41 GRIEVANCE DISPOSAL

GRIEVANCE DISPOSAL

NON-LIFE ANALYTICAL RATIOS Annexure-III

FOR THE YEAR ENDED DECEMBER 31, 2016

RatioCalculation Fire Marine

Cargo

Marine Hull Motor Total Motor OD Motor TP Motor Pool Workmen

compensation

Public

Liability

Product

Liability

Other

Liability

Engineering Aviation Personal

Accident

Health Home Speciality Weather Others Total

1 Gross Direct Premium Growth Rate (segment wise)

Gross direct premium for the current year divided by the gross direct premium for the

previous year

(GDPI (CY)- GDPI(PY))/ GDPI (PY) -17.6% -21.3% 0.0% -10.5% -20.1% 30.2% -100.0% -37.3% 0.0% 0.0% -49.6% -21.8% 0.0% -28.8% -11.4% 0.0% 0.0% 0.0% -29.3% -13.08%

2Gross Premium to Networth ratio

(Gross direct premium for the current year divided by paid up capital and free reserves)

GDPI/ Net worth 1.73

3 Growth rate of Networth fund

(Net worth as at the current balance sheet date divided by Net worth as at the previous

balance sheet date)

[(Net worth of CY- Net worth of PY)]/ Net worth of

PY

22.25%

Description of ratio:

(i) Data taken from Balance sheet. Shareholders funds viz., (share capital, reserves

and surplus, credit / (debit) fair value change account) less (miscellaneous

expenditure, debit balance in profit and loss account or shareholders' account)

(ii) Numerator: Current year's shareholders' fund

(iii) Denominator: Previous year's shareholders' funds

4 Net Retention Ratio (segment wise)

(Net premium divided by gross direct premium)

Net Premium/ Gross Direct Premium Income +

Reinsurance Accepted

20.5% 58.9% 0.0% 73.1% 72.0% 74.2% 100.0% 93.2% 0.0% 0.0% 62.7% 18.5% 0.0% 84.1% 65.1% 0.0% 0.0% 0.0% 38.8% 62.48%


(i) Data taken from segmental reporting of Schedule 1 of Revenue account

(ii) Numerator: Net Premium: Total gross premium net of reinsurance ceded and

accepted

(iii) Denominator: Gross Direct Premium Income net of service tax: Total gross

premium i.e, without considering reinsurance business.

5 Net Commission Ratio (segment wise)

(Gross Commission Paid net of reinsurance commission divided by net premium for

that segment)

Net Commission / Net Written premium 5.2% 10.3% 0.0% -3.1% -0.7% -6.4% 0.0% 6.7% 0.0% 0.0% 16.1% -15.0% 0.0% 16.5% -6.2% 0.0% 0.0% 0.0% 13.7% -2.59%


(i) Data taken from segmental reporting of Schedule 1 of Revenue account

(ii) Numerator: Gross commission paid (schedule 3)

(iii) Denominator: Gross Direct Premium Income (Schedule 1) net of service tax

6 Expense of Management to Gross Direct Premium Ratio:

(Expenses of Management (operating expenses related to insurance business plus

direct commissions paid) divided by gross direct premium)

Expenses of Management/ GDPI 50.5% 50.7% 0.0% 50.8% 50.7% 50.7% 0.0% 50.7% 0.0% 0.0% 50.7% 51.9% 0.0% 50.7% 50.7% 0.0% 0.0% 0.0% 50.7% 55.49%


7 Expenses of Management to Net Written Premium Ratio

[Expenses of Management (operating expenses related to insurance business plus

direct commissions paid) divided by Net written premium]

Expenses of Management/NWPI 253.8% 104.4% 0.0% 73.0% 77.2% 68.4% 0.0% 62.0% 0.0% 0.0% 104.2% 284.4% 0.0% 77.9% 92.1% 0.0% 0.0% 0.0% 157.4% 87.24%

8 Net Incurred Claims to Net Earned Premium Net Incurred Claims/Net Earned Premium 154.8% 68.7% 0.0% 92.6% 70.7% 131.7% 0.0% 47.3% 0.0% 0.0% 0.1% 171.7% 0.0% 59.2% 53.6% 0.0% 0.0% 0.0% 27.8% 87.18%

9 Combined Ratio:

(Net Incurred Claims divided by Net Earned Premium plus expenses of management

(including net commission) divided by Net written premium

(Claims plus expenses of management)/ NWPI 384.0% 165.1% 0.0% 158.7% 140.6% 193.6% -28.2% 108.4% 0.0% 0.0% 101.3% 417.2% 0.0% 135.9% 125.2% 0.0% 0.0% 0.0% 172.2% 164.41%

10 Techncial Reserves to net premium ratio:

(Reseve for unexpired risks plus premium deficiency reserve plus reserve for

outstanding claims (including IBNR and IBNER divided by net premium)

(URR + Reserve for premium deficiency + Reserve

for outstanding claims including IBNR and IBNER)/

Net Premium

3.78 1.11 - 3.19 1.05 6.21 - 1.13 - - 1.24 5.74 - 2.50 1.09 - - - 2.68 2.84

11 Underwriting balance ratio:

(underwriting profit divided by net premium for the respective class of business)

(Underwriting profit/ loss)/ net premium -4.21 -0.30 0.00 -0.34 -0.11 -0.76 1.28 0.15 0.00 0.00 0.52 -2.44 0.00 -0.14 -0.04 0.00 0.00 0.00 -0.11 -0.38

12 Operating profit ratio:

(Underwriting profit/ loss plus investment income divided by net premium)

(Underwriting profit/ loss plus investment income)/

Net Premium

-20.25%

13 Liquid Assets to liabilities ratio:

(Liquid assets (Short Term Investments (Schedule 8) plus Short Term Loans (Schedule

9) plus Cash & Bank Balances (Schedule 11)) of the insurer divided by policyholders

liabilities (claims outstanding (Schedule 13) plus reserve for unexpired risk and Premium

Deficiency (Schedule 14))

Liquid Assets/ Policyholders liabilities 0.26

14 Net earning ratio

(Profit after tax divided by net premium)

Profit after tax/ net premium -23.63%

15 Return on net worth ratio

(Profit after tax divided by net worth)

Profit after tax/ Net Worth -25.95%

16 Available Solvency Margin (ASM) to Required Solvency Margin (RSM) ratio

(Ratio of Available Solvency Margin (ASM) at the end of the Quarter to the Required

Solvency Margin (RSM) required to be maintained as per regulations

1.56

17 NPA ratio NA


Data taken from Section 11 table 11.5 which provides the NPA ratio separately for

policyholders' funds and shareholders' funds




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