RELIANCE GENERAL INSURANCE COMPANY LIMITED - NON- LIFE INSURANCE COMPANIES

Transcription

1 Disclosures - NON- LIFE INSURANCE COMPANIES S.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 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 NL-20-RECEIPT AND PAYMENTS SCHEDULE Receipt and Payments Schedule 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 (Premium amount and number of policies) 39 NL-39-RURAL AND SOCIAL SECTOR Rural & Social Sector Obligations OBLIGATIONS 40 NL-40-CHANNEL WISE PREMIUM Business Acquisition through different channels 41 NL-41-GRIEVANCE DISPOSAL Grievance Disposal

2 FORM NL-1-B-RA Registration No. and Date of Registration with the IRDA: Regn. No. 103 dated REVENUE ACCOUNT FOR THE PERIOD - Fire Insurance Business S.No. Particulars Schedule FOR THE QUARTER ENDED MARCH 31, 2015 FOR THE YEAR ENDED MARCH 31, 2015 FOR THE QUARTER ENDED MARCH 31, 2014 FOR THE YEAR ENDED MAR 31, 2014 (Rs. In '000) (Rs. In '000) (Rs. In '000) (Rs. In '000) 1 Premiums earned (Net) NL-4-Premium Schedule 144, , , ,893 2 Profit/ (loss) on sale/redemption of Investments (Net) (16,610) 15,440 1,734 9,912 3 Interest, Dividend & Rent Gross (90,169) 70,021 33, ,534 4 Exchange Gain / (loss) (9) (21) - - TOTAL (A) 37, , , ,339 1 Claims Incurred (Net) NL-5-Claims Schedule 116, , , ,492 2 Commission (Net) NL-6-Commission Schedule (12,127) (120,356) (36,028) (133,628) 3 Operating Expenses related to Insurance Business NL-7-Operating Expenses Schedule 54, ,514 33, ,596 4 Premium Deficiency TOTAL (B) 158, , , ,460 Operating Profit/(Loss) from Fire Business C= (A - B) (121,129) 158,178 (6,473) 228,879 APPROPRIATIONS Transfer to Shareholders Account (121,129) 158,178 (6,473) 228,879 Transfer to Catastrophe Reserve Transfer to Other Reserves (to be specified) TOTAL (C) (121,129) 158,178 (6,473) 228,879

3 FORM NL-1-B-RA Registration No. and Date of Registration with the IRDA: Regn. No. 103 dated REVENUE ACCOUNT FOR THE PERIOD - Marine Insurance Business S.No. Particulars Schedule FOR THE QUARTER ENDED MARCH 31, 2015 FOR THE YEAR ENDED MARCH 31, 2015 FOR THE QUARTER ENDED MARCH 31, 2014 FOR THE YEAR ENDED MAR 31, 2014 (Rs. In '000) (Rs. In '000) (Rs. In '000) (Rs. In '000) 1 Premium Earned (Net) NL-4-Premium 74, ,674 64, ,096 Schedule 2 Profit / (loss) on sale/redemption of (1,879) 5, ,253 Investments (Net) 3 Interest, Dividend & Rent Gross (12,048) 25,970 10,358 35,802 4 Exchange Gain / (loss) TOTAL (A) 60, ,428 75, ,151 1 Claims Incurred (Net) NL-5-Claims 59, ,055 91, ,780 Schedule 2 Commission (Net) NL-6-Commission Schedule (635) 15,135 4,557 24,574 3 Operating Expenses related to Insurance Business NL-7-Operating Expenses Schedule 14,545 63,529 10,891 53,655 4 Premium Deficiency (20,900) TOTAL (B) 73, , , ,109 Operating Profit/(Loss) from Marine Business C= (A - B) (12,938) (14,291) (31,405) (5,958) APPROPRIATIONS Transfer to Shareholders Account (12,938) (14,291) (31,405) (5,958) Transfer to Catastrophe Reserve Transfer to Other Reserves (to be specified) TOTAL (C) (12,938) (14,291) (31,405) (5,958)

4 FORM NL-1-B-RA Registration No. and Date of Registration with the IRDA: Regn. No. 103 dated REVENUE ACCOUNT FOR THE PERIOD- Miscellaneous Insurance Business S.No. Particulars Schedule FOR THE QUARTER ENDED MARCH 31, Premiums earned (Net) NL-4-Premium Schedule 2 Profit/ (loss) on sale/redemption of Investments (Net) 3 Interest, Dividend & Rent Gross 4 Others - Exchange Gain/(Loss) FOR THE YEAR ENDED MARCH 31, 2015 FOR THE QUARTER ENDED MARCH 31, 2014 FOR THE YEAR ENDED MAR 31, 2014 (Rs. In '000) (Rs. In '000) (Rs. In '000) (Rs. In '000) 4,506,565 18,482,070 4,487,973 16,793, , ,971 32, ,742 1,023,377 3,247, ,744 3,033,232 6,307 7,584 (282) (13,113) - Miscellaneous Income 3,957 6,885 1,321 4,393 TOTAL (A) 5,838,247 22,459,530 5,353,561 19,966,846 1 Claims Incurred (Net) NL-5-Claims Schedule 4,211,616 17,492,003 3,984,055 15,490,948 2 Commission (Net) NL-6-Commission Schedule (40,269) (101,983) 152, ,417 3 Operating Expenses related to Insurance Business NL-7-Operating Expenses Schedule 1,444,035 5,146,702 1,116,967 4,427,086 4 Premium Deficiency TOTAL (B) 5,615,382 22,536,722 5,253,560 20,423,451 Operating Profit/(Loss) from Miscellaneous Business C= (A - B) 222,865 (77,192) 100,001 (456,605) APPROPRIATIONS Transfer to Shareholders Account 222,865 (77,192) 100,001 (456,605) Transfer to Catastrophe Reserve Transfer to Other Reserves (to be specified) TOTAL (C) 222,865 (77,192) 100,001 (456,605)

5 FORM NL-2-B-PL Registration No. and Date of Registration with the IRDA: Regn. No. 103 dated PROFIT AND LOSS ACCOUNT FOR THE PERIOD S.No. Particulars Schedule FOR THE QUARTER ENDED MARCH 31, 2015 FOR THE YEAR ENDED MARCH 31, 2015 FOR THE QUARTER ENDED MARCH 31, 2014 FOR THE YEAR ENDED MAR 31, 2014 (Rs. In '000) (Rs. In '000) (Rs. In '000) (Rs. In '000) 1 OPERATING PROFIT/(LOSS) (a) Fire Insurance (121,129) 158,178 (6,473) 228,879 (b) Marine Insurance (12,938) (14,291) (31,405) (5,958) (c ) Miscellaneous Insurance 222,865 (77,192) 100,001 (456,605) 2 INCOME FROM INVESTMENTS (a) Interest, Dividend & Rent Gross 186, , , ,343 (b) Profit on sale/ redemption of investments 52, ,410 8,427 75,346 Less: Loss on sale/ redemption of investments 277 (1,501) 1,209 (23,603) 3 OTHER INCOME (to be specified) (a) Profit / (Loss) on Sale/ discard of Assets (217) (1,071) (2,147) (3,132) (b) Miscellaneous Income 1,047 8,744 9,406 17,936 (c) Excess Provision Written Back 36,481 36,481-43,499 TOTAL (A) 365,530 1,067, , ,705 4 PROVISIONS (Other than taxation) (a) For diminution in the value of investments (b) For doubtful debts 35,262 76,156 (9,791) 34,085 (c) Others - Interest on Refunds 148, , Standard Assets - (186) (1,017) (1,017) 5 OTHER EXPENSES (a) Expenses other than those related to 3,799 30,000 3,553 24,810 Insurance Business (b) Exchange Gain / (loss) TOTAL (B) 187, ,020 (7,255) 57,878 Profit / (Loss) Before Tax (A-B) 178, , , ,827 Provision for Taxation (a) Current Tax (45,200) 34, (b) Deferred Tax (d) MAT Credit 45,200 (34,700) - - Profit / (Loss) After Tax 178, , , ,827 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 profit/ loss brought forward from last (8,370,163) (8,993,804) (9,265,537) (9,634,626) period Adjustment on account of Schedule II of the 3,663 (8,178) - - Companies Act, 2013 Balance carried forward to Balance Sheet (8,188,081) (8,188,081) (8,993,799) (8,993,799)

6 FORM NL-3-B-BS Registration No. and Date of Registration with the IRDA: Regn. No. 103 dated BALANCE SHEET AS AT MARCH 31, 2015 Particulars Schedule AS AT 31ST MARCH, AS AT 31ST MARCH, (Rs. In '000) (Rs. In '000) SOURCES OF FUNDS SHARE CAPITAL NL-8-Share Capital Schedule 1,227,750 1,227,750 RESERVES AND SURPLUS SHARE APPLICATION MONEY PENDING ALLOTMENT NL-10-Reserves and Surplus Schedule 16,242,881 16,242, ,000 - FAIR VALUE CHANGE ACCOUNT 14,664 6,955 BORROWINGS NL-11-Borrowings Schedule - - TOTAL 18,385,295 17,477,586 APPLICATION OF FUNDS INVESTMENTS NL-12-Investment Schedule 50,483,263 38,427,155 LOANS NL-13-Loans Schedule - 46,315 FIXED ASSETS NL-14-Fixed Assets Schedule 349, ,990 DEFERRED TAX ASSET 372, ,735 CURRENT ASSETS Cash and Bank Balances Advances and Other Assets NL-15-Cash and bank balance Schedule NL-16-Advances and Other Assets Schedule 785, ,135 4,637,434 9,122,566 Sub-Total (A) 5,423,312 9,766,701 CURRENT LIABILITIES PROVISIONS NL-17-Current Liabilities Schedule NL-18-Provisions Schedule 37,426,523 31,295,618 9,004,843 9,099,491 Sub-Total (B) 46,431,366 40,395,109 NET CURRENT ASSETS (C) = (A - B) (41,008,054) (30,628,408) MISCELLANEOUS EXPENDITURE (to the extent not written off or adjusted) DEBIT BALANCE IN PROFIT AND LOSS ACCOUNT NL-19-Miscellaneous Expenditure Schedule - - 8,188,081 8,993,799 TOTAL 18,385,295 17,477,586 ` CONTINGENT LIABILITIES Particulars Partly paid-up investments Underwriting commitments outstanding (in respect of shares and securities) Claims, other than against policies, not acknowledged as debts by the company Guarantees given by or on behalf of the Company Statutory demands/ liabilities in dispute, not provided for Reinsurance obligations to the extent not provided for in accounts Others (to be specified) TOTAL AS AT 31ST MARCH, AS AT 31ST MARCH, (Rs. In '000) (Rs. In '000) ,706 12,612 75,285 1,050 3,172 2, ,163 15,972

7 FORM NL-4-PREMIUM SCHEDULE Registration No. and Date of Registration with the IRDA: Regn. No. 103 dated PREMIUM EARNED [NET OF SERVICE TAX] Particulars FOR THE QUARTER ENDED MARCH 31, 2015 FOR THE YEAR ENDED MARCH 31, 2015 FOR THE QUARTER ENDED MARCH 31, 2014 FOR THE YEAR ENDED MAR 31, 2014 (Rs. In '000) (Rs. In '000) (Rs. In '000) (Rs. In '000) Premium from direct business written 6,498,601 27,158,321 5,300,863 23,888,249 Service Tax Adjustment for change in reserve for unexpired risks 1,579, ,940 1,050,063 (1,018,135) Gross Earned Premium 8,078,525 27,849,261 6,350,926 22,870,114 Add: Premium on reinsurance accepted 105, , , ,675 Less: Premium on reinsurance ceded 1,938,586 8,446, ,635 5,787,310 Net Premium 6,245,466 19,774,623 5,679,278 17,611,479 Adjustment for change in reserve for unexpired risks (1,519,650) (589,999) (1,007,882) (213,898) Premium Earned (Net) 4,725,816 19,184,624 4,671,396 17,397,581

8 FORM NL-5 - CLAIMS SCHEDULE CLAIMS INCURRED [NET] Particulars Period ended Claims Paid from direct business written Claims Paid on reinsurance accepted Claims Recovered on reinsurance ceded Net Caims Paid (3+4-5) Out-standing Claims at the end of the period Out-standing Claims at the beginning of the period Net Claims Incurred (6+7-8) (Rs. In '000) (Rs. In '000) (Rs. In '000) (Rs. In '000) (Rs. In '000) (Rs. In '000) (Rs. In '000) Fire For Q4-447,447 64, , , , , ,415 Upto Q4-1,024,161 71, , , , , ,984 Marine Cargo For Q4-45, ,027 38, , ,655 59,958 Upto Q4-370,020 1, , , , , ,969 Marine Hull For Q4-1,912-1, (50) Upto Q4-1,914-1, Marine Total For Q4-47, ,869 38, , ,426 59,908 Upto Q4-371,934 1, , , , , ,055 Motor OD For Q4-1,089, , ,979 1,333,521 1,433, ,511 Upto Q4-4,504, ,175 4,039,418 1,333,521 1,722,057 3,650,882 Motor TP For Q4-1,504,049-78,916 1,425,133 20,501,493 19,767,717 2,158,909 Upto Q4-4,897,669 79, ,552 4,723,613 20,501,493 16,747,101 8,478,005 Motor Total For Q4-2,593, ,865 2,347,112 21,835,014 21,201,706 2,980,420 Upto Q4-9,402,262 79, ,727 8,763,031 21,835,014 18,469,158 12,128,887 Employer's Liability For Q4-10, ,409 40,643 45,306 4,746 Upto Q4-32,577-2,431 30,146 40,643 38,757 32,032 Public Liability For Q ,225 43,199 4,314 Upto Q4-2, ,119 47,225 26,945 22,399 Engineering For Q4-238,253 23, ,749 47, , ,891 44,089 Upto Q4-640,202 23, , , , , ,469 Aviation For Q ,125 2,123 2 Upto Q4-9,014-8, ,125 1, Personal Accident For Q4-153,029 6,906 79,796 80, , , ,906 Upto Q4-437,946 6, , , , , ,303 Health For Q4-1,263, ,239 1,081,650 1,166,690 1,270, ,992 Upto Q4-4,993, ,375 4,303,963 1,166, ,880 4,519,773 Other Misc. For Q4-299, ,912 36, , ,205 93,147 Upto Q4-489, , , , , ,484 Misc Total For Q4-4,558,609 30, ,251 3,602,930 23,945,049 23,336,363 4,211,616 Upto Q4-16,007, ,686 2,579,636 13,538,305 23,945,049 19,991,351 17,492,003 Grand Total For Q4-5,053,793 95,460 1,406,961 3,742,292 24,638,734 23,993,087 4,387,939 Upto Q4-17,403, ,355 3,608,617 13,978,088 24,638,734 20,573,780 18,043,042

9 FORM NL-5 - CLAIMS SCHEDULE CLAIMS INCURRED [NET] Particulars Period ended Claims Paid from direct business written Claims Paid on reinsurance accepted Claims Recovered on reinsurance ceded Net Caims Paid (3+4-5) Out-standing Claims at the end of the period Out-standing Claims at the beginning of the period Net Claims Incurred (6+7-8) (Rs. In '000) (Rs. In '000) (Rs. In '000) (Rs. In '000) (Rs. In '000) (Rs. In '000) (Rs. In '000) Fire For Q ,078 1, , , , , ,366 Upto Q ,199 37, , , , , ,492 Marine Cargo For Q ,939 2,637 45,138 42, , ,645 92,749 Upto Q ,377 2, , , , , ,092 Marine Hull For Q ,633 (987) Upto Q ,214 (312) Marine Total For Q ,950 2,637 45,140 42, , ,278 91,762 Upto Q ,672 2, , , , , ,780 Motor OD For Q ,101,329-81,726 1,019,603 1,722,057 1,774, ,201 Upto Q ,305, ,519 3,931,677 1,722,057 1,892,076 3,761,658 Motor TP For Q ,009, ,586 48,154 1,208,937 16,747,101 22,949,568 (4,993,529) Upto Q ,817,581 1,198, ,032 4,846,169 16,747,101 13,872,071 7,721,199 Motor Total For Q ,110, , ,880 2,228,540 18,469,158 24,724,026 (4,026,328) Upto Q ,122,777 1,198, ,551 8,777,846 18,469,158 15,764,147 11,482,857 Employer's Liability For Q , ,546 38,827 36,528 9,845 Upto Q ,674-2,170 19,504 38,827 29,412 28,919 Public Liability For Q ,874 23,473 3,775 Upto Q , ,868 26,874 13,077 16,665 Engineering For Q ,567 13, ,646 57, , ,919 67,469 Upto Q ,784 17, , , , , ,118 ` Aviation For Q , , ,713 2, Upto Q , , , ,064 Personal Accident* For Q , ,582 33, , ,380 21,885 Upto Q , , , , , ,093 Health* For Q ,191, , , , , ,148 Upto Q ,323,384-1,106,848 3,216, , ,499 3,529,917 Other Misc.* For Q ,435 (4) 6,312 18, , ,657 13,735 Upto Q ,919 (2) 219, , , ,504 94,315 Misc Total For Q ,636, , ,279 3,223,921 19,991,351 26,234,499 (3,019,227) Upto Q ,535,511 1,217,064 2,373,961 12,378,614 19,991,351 16,879,017 15,490,948 Grand Total For Q ,042, , ,577 3,379,978 20,573,780 26,717,857 4,239,183 Upto Q ,613,382 1,257,049 3,123,010 12,747,421 20,573,780 17,284,981 16,036,220 Note:- *Previous year figures are regrouped/ reclassified wherever necessary to conform to current year classification.

10 FORM NL-6-COMMISSION SCHEDULE COMMISSION SCHEDULE Particulars Period ended Commission paid Commission paid on reinsurance accepted Commission received from reinsurance ceded Net commission (3+4-5) (Rs. In '000) (Rs. In '000) (Rs. In '000) (Rs. In '000) Fire For Q4-16,523 2,886 31,536 (12,127) Upto Q4-101,363 14, ,271 (120,356) Marine Cargo For Q4-6, ,231 4,433 Upto Q4-33, ,900 21,315 Marine Hull For Q4 - (522) - 4,546 (5,068) Upto Q ,245 (6,180) Marine Total For Q4-6, ,777 (635) Upto Q4-33, ,145 15,135 Motor OD For Q4-183,782-84,918 98,864 Upto Q4-661, , ,301 Motor TP For Q4-1,563-81,739 (80,176) Upto Q4-10, ,958 (302,073) Motor Total For Q4-185, ,657 18,688 Upto Q4-672, ,832 52,228 Employer's Liability For Q4-1, ,698 Upto Q4-7, ,613 Public Liability For Q4-1, ,580 Upto Q4-9, , Engineering For Q4-10, ,127 (6,770) Upto Q4-36,420 4, ,954 (82,638) ` Aviation For Q ,048 (1,048) Upto Q ,808 (2,727) Personal Accident For Q4-5,519-1,075 4,444 Upto Q4-23, ,210 21,640 Health For Q4-44,256-5,857 38,399 Upto Q4-177,815-82,204 95,611 Other Misc. For Q4-7, ,878 (97,260) Upto Q4-27, ,584 (193,638) Misc Total For Q4-256, ,940 (40,269) Upto Q4-955,093 5,113 1,062,189 (101,983) Grand Total For Q4-279,634 3, ,253 (53,031) Upto Q4-1,089,721 19,680 1,316,605 (207,204) Break-up of the expenses (Gross) incurred to procure business to be furnished as per details indicated below: For Q4 - Upto Q4 - (Rs. In '000) (Rs. In '000) Agents 186, ,850 Brokers 70, ,273 Corporate Agency 22,865 54,598 Referral - - TOTAL 279,634 1,089,721

11 FORM NL-6-COMMISSION SCHEDULE COMMISSION SCHEDULE Particulars Period ended Commission paid Commission paid on reinsurance accepted Commission received from reinsurance ceded Net commission (3+4-5) (Rs. In '000) (Rs. In '000) (Rs. In '000) (Rs. In '000) Fire For Q ,022 6,688 61,738 (36,028) Upto Q ,469 11, ,344 (133,628) Marine Cargo For Q ,033-2,674 5,359 Upto Q , ,004 25,853 Marine Hull For Q (802) Upto Q ,638 (1,279) Marine Total For Q ,033-3,476 4,557 Upto Q , ,642 24,574 Motor OD For Q ,516-19, ,538 Upto Q ,673-66, ,537 Motor TP For Q ,467-4,808 (2,341) Upto Q ,764-21,097 (15,333) Motor Total For Q ,983-24, ,197 Upto Q ,437-87, ,204 Employer's Liability For Q , Upto Q ,262-1,442 5,820 Public Liability For Q , ,303 (646) Upto Q , ,497 (4,440) Engineering For Q , ,462 (13,769) Upto Q ,385 1, ,403 (88,315) ` Aviation For Q (760) (1,360) Upto Q ,873 (1,713) Personal Accident For Q ,328-16,018 (11,690) Upto Q , ,921 5,742 Health For Q ,900-6,425 38,475 Upto Q , , Other Misc. For Q ,892-21,275 (14,383) Upto Q ,676-86,408 (60,732) Misc Total For Q , , ,538 Upto Q ,026,564 1, , ,417 Grand Total For Q ,476 7, , ,067 Upto Q ,159,237 13, , ,363 Break-up of the expenses (Gross) incurred to procure business to be furnished as per details indicated below: For Q Upto Q (Rs. In '000) (Rs. In '000) Agents 189, ,180 Brokers 68, ,581 Corporate Agency 14,776 40,476 Referral - - TOTAL 273,476 1,159,237

12 FORM NL-7-OPERATING EXPENSES SCHEDULE OPERATING EXPENSES RELATED TO INSURANCE BUSINESS S.No. PARTICULARS FOR THE QUARTER ENDED MARCH 31, 2015 FOR THE YEAR ENDED MARCH 31, 2015 FOR THE QUARTER ENDED MARCH 31, 2014 FOR THE YEAR ENDED MAR 31, 2014 (Rs. In '000) (Rs. In '000) (Rs. In '000) (Rs. In '000) 1 Employees remuneration & welfare benefits 522,828 1,671, ,187 1,371,198 2 Company's contribution to Provident fund and others 23, ,890 17,980 72,006 3 Travel, conveyance and vehicle running expenses 34, ,547 17,477 65,704 4 Rents, rates & taxes 19, ,038 78, ,454 5 Repairs 77, ,606 98, ,586 6 Printing & Stationery 8,234 47,784 10,577 50,910 7 Communication expenses 27, ,875 25,297 93,301 8 Postage expenses 19,438 52,643 10,188 41,292 9 Legal & professional charges 8, ,730 25, , Directors' Sitting fees 400 1, Auditors remuneration a. As auditor 1,725 4,548 1,519 3,969 b. As advisor in other capacity c. In any other capacity Advertisement and Publicity 544,952 1,905, ,960 1,687, Interest and Bank Charges 7,812 28,132 7,211 32, Service Tax Expenses 44, ,834 (76,428) 52, Entertainment expenses 2,644 7,303 1,929 6, Office maintenance expenses 37, ,688 32, , Office management expenses 15,000 60,000 11,000 56, Training & Recruitment Expenses 42, ,447 17,895 57, Depreciation 12, ,347 43, , Subscriptions and membership fees 7,369 30,602 5,689 26, Coinsurance Expenses (net) 23,637 34,028 7,473 10, Miscellaneous expenses 34,491 56,953 4,920 11,670 TOTAL 1,516,899 5,406,745 1,164,659 4,623,147 Allocation: Fire Revenue Account 54, ,514 33, ,596 Marine Revenue Account 14,545 63,529 10,891 53,655 Miscellaneous Revenue Account 1,444,035 5,146,702 1,116,967 4,427,086 Expenses not relating to Insurance Business taken in Profit & Loss A/c 3,799 30,000 3,553 24,810 TOTAL 1,516,899 5,406,745 1,164,659 4,623,147

13 FORM NL-8-SHARE CAPITAL SCHEDULE SHARE CAPITAL S.No. Particulars As at As at (Rs. In '000) (Rs. In '000) 1 Authorised Capital 20,00,00,000 Equity Shares of Rs.10 each 2,000,000 2,000,000 2 Issued Capital 12,27,74,960 (Previous Year 12,27,74,960) Equity Shares of Rs10 each 3 Subscribed Capital 12,27,74,960 (Previous Year 12,27,74,960) Equity Shares of Rs10 each 4 Called-up Capital 12,27,74,960 (Previous Year 12,27,74,960) Equity Shares of Rs10 each Less : Calls unpaid Add : Equity Shares forfeited (Amount originally paid up) 1,227,750 1,227,750 1,227,750 1,227,750 1,227,750 1,227, Less : Par Value of Equity Shares bought back - - Less : (i) Preliminary Expenses (ii) Expenses including commission or brokerage on Underwriting or subscription of shares - - TOTAL 1,227,750 1,227,750 Note: Of the above 12,21,10,660 shares are held by Holding Company, Reliance Capital Limited (previous year 11,84,80,288 Equity shares).

14 FORM NL-9-PATTERN OF SHAREHOLDING SCHEDULE SHARE CAPITAL PATTERN OF SHAREHOLDING [As certified by the Management] Shareholder As at Number of Shares % of Holding As at % of Holding Number of Shares Promoters Holding Company - Indian 122,110, % 118,480, % Holding Company - Foreign Others Reliance General Insurance 664, % 4,294, % Employees Benefit Trust TOTAL 122,774, % 122,774, %

15 FORM NL-10-RESERVES AND SURPLUS SCHEDULE RESERVES AND SURPLUS S.No. Particulars As at As at (Rs. In '000) (Rs. In '000) 1 Capital Reserve Capital Redemption Reserve Share Premium 16,242,881 16,242,881 4 General Reserves - - Less: Debit balance in Profit and Loss Account - - Less: Amount utilized for Buy-back Catastrophe Reserve Other Reserves (to be specified) Balance of Profit in Profit & Loss Account - - TOTAL 16,242,881 16,242,881

16 FORM NL-11-BORROWINGS SCHEDULE BORROWINGS Sr No. Particulars As at As at (Rs. In '000) (Rs. In '000) 1 Debentures/ Bonds Banks Financial Institutions Others (to be specified) - - TOTAL - -

17 FORM NL-12-INVESTMENT SCHEDULE INVESTMENT S.No. Particulars As at As at ` (Rs. In '000) (Rs. In '000) LONG TERM INVESTMENTS 1 Government securities and Government guaranteed bonds 16,126,270 12,236,993 including Treasury Bills 2 Other Approved Securities 704,848 1,545,371 3 Other Investments ( a) Shares (aa) Equity 628, ,038 (bb) Preference - - (b) Mutual Funds - - (c) Derivative Instruments - - (d) Debentures/ Bonds 12,047,660 7,984,220 (e) Other Securities (to be specified) - - (f) Subsidiaries - - (g) Investment Properties-Real Estate Investments in Infrastructure and Social Sector 8,705,315 7,288,629 5 Other than Approved Investments 558, ,964 SHORT TERM INVESTMENTS 1 Government securities and Government guaranteed bonds - - including Treasury Bills 2 Other Approved Securities 19,930-3 Other Investments (a) Shares - - (aa) Equity - - (bb) Preference - - (b) Mutual Funds 1,049,043 - (c) Derivative Instruments - - (d) Debentures/ Bonds 7,131,744 6,333,046 (e) Other Securities (to be specified) - - (f) Subsidiaries - - (g) Investment Properties-Real Estate Investments in Infrastructure and Social Sector 3,260,452 1,847,206 5 Other than Approved Investments 251,512 10,688 TOTAL 50,483,263 38,427,155 Notes : 1. The The value of Investment Other than listed equity shares is as follows: Particulars Current Year Previous Year (Rs. In '000) (Rs. In '000) Book Value 49,619,807 37,799,373 Market Value 50,387,096 37,077, Government Securities includes 8.24% Government of India Securitites with Maturity 22nd April, 2018 for Rs. 129,075 thousands as at 31st March 2015 (as at 31st March 2014 Rs.131,731 thousands) as deposit u/s 7 of the Insurance Act, The above Investments are held in the Constituent Subisidary General Ledger Account with HDFC Bank. 3. All the above investments are performing assets. 4. The company has not segregated the investments separately between policyholder's funds and shareholders funds, due to pratical difficulty and the same has been approved by the Board of Directors as per requirement of Master circular on Preparation of Financial Statements vide circular no. IRDA-F&I-CIR-F&A

18 FORM NL-13-LOANS SCHEDULE LOANS S.No. Particulars As at As at (Rs. In '000) (Rs. In '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 - 46,315 TOTAL* - 46,315 2 BORROWER-WISE CLASSIFICATION (a)central and State Governments - - (b)banks and Financial Institutions - - (c)subsidiaries - - (d)industrial Undertakings - - (e)others - Trustees of Reliance General - 46,315 Insurance Employees Benefit Trust TOTAL* - 46,315 3 PERFORMANCE-WISE CLASSIFICATION (a) Loans classified as standard (aa) In India - 46,315 (bb) Outside India - - (b) Non-performing loans less provisions (aa) In India - - (bb) Outside India - - TOTAL* - 46,315 4 MATURITY-WISE CLASSIFICATION (a)short Term - - (b)long Term - 46,315 TOTAL* - 46,315 * Net of Provision of Nil (Previous Year Rs 186) (Rs. In '000) `

19 FORM NL-14-FIXED ASSETS SCHEDULE FIXED ASSETS (Rs. In '000) Particulars Cost/ Gross Block Depreciation Net Block As at 1st Additions Deductions As at 31st As at 1st April, Adjustment on For the Deductions As at 31st As at 31st As at 31st April,2014 March, account of period/ March, 2015 March, 2015 March, 2014 Schedule II of the Adjustments Companies act, 2013 Leasehold Property 32,758 20,433-53,191 29,501-3,529-33,031 20,160 3,257 Furniture & Fittings 67,531 9, ,310 53,783 - (2,439) ,636 25,674 13,748 Information Technology 205,060 42,812 2, , ,615 (455) 29,052 1, ,277 57,442 43,445 Equipment Intangible Asset (Computer 499, , , ,222-57, , , ,746 Software) Vehicles Office Equipment 178,359 38,130 9, , ,934 7,856 45,449 6, ,714 55,197 73,425 Plant & Machinery 7, ,851 4, , , ,150 TOTAL 992, ,517 13,189 1,210, ,242 8, ,347 9, , , ,890 Capital Work in progress 11,100 5,757 7,886 8, ,972 11,100 Grand Total 1,003, ,273 21,074 1,219, ,241 8, ,347 9, , , ,990 PREVIOUS YEAR ,247, , ,848 1,003, , , , , ,990

20 FORM NL-15-CASH AND BANK BALANCE SCHEDULE CASH AND BANK BALANCES S.No. Particulars As at As at (Rs. In '000) (Rs. In '000) 1 Cash (including drafts and stamps) 50,698 86,786 2 Bank Balances (a) Deposit Accounts (i)short-term (due within 12 74,735 1,400 months)* (ii)others - - (b) Current Accounts 440, ,149 (c) Others - Cheque in Transit - - (d) Others - Cheques on Hand 220, ,800 (e) Others - Cash in Transit Money at Call and Short Notice (a) With Banks - - (b) With other Institutions Others (to be specified) - - TOTAL 785, ,135 Balances with non-scheduled banks included in (Current Accounts) above - - TOTAL 785, ,135 * Short term deposit represents fixed deposit given to bank for bank guarantee.

21 FORM NL-16-ADVANCES AND OTHER ASSETS SCHEDULE ADVANCES AND OTHER ASSETS S.No. Particulars As at As at (Rs. In '000) (Rs. In '000) ADVANCES 1 Reserve deposits with ceding companies Application money for investments Prepayments 46,374 34,571 4 Advances to Directors/Officers Advance tax paid and taxes deducted at 78,021 7,510 source (Net of provision for taxation) 6 MAT Credit Entitlement 34,700-7 Rental & Other Deposits 299, ,635 8 Advances to Staff 1,957 1,494 9 Unutilised Service Tax Credit & VAT 42, , Other Advances 78, ,954 TOTAL (A) 581, ,757 OTHER ASSETS 1 Income accrued on investments 1,880,825 1,545,911 2 Outstanding Premiums 529, ,421 3 Agents Balances Foreign Agencies Balances Due from other entities carrying on insurance 1,981,006 7,117,986 business (including reinsurers) Less : Provision for doubtful debts (335,761) (372,243) 6 Due from subsidiaries/holding cos Repossessed Stock Motor Pool Translition Liabilities (Unamortised - - Losses) 9 Deposit with Reserve Bank of India[Pursuant to section 7 of Insurance Act, 1938] Others - - TOTAL (B) 4,055,984 8,492,809 TOTAL (A+B) 4,637,434 9,122,566

22 FORM NL-17-CURRENT LIABILITIES SCHEDULE CURRENT LIABILITIES S.No. Particulars As at As at (Rs. In '000) (Rs. In '000) 1 Payable to Agents 91,793 80,573 2 Balances due to other insurance companies 2,429, ,916 3 Deposits held on re-insurance ceded Premiums received in advance 84,530 45,965 5 Unallocated Premium 505,602 1,071,194 6 Sundry creditors 1,127,389 1,264,596 7 Due to subsidiaries/ holding company Claims Outstanding 31,859,612 27,746,457 Add : Provision for Doubtful Reinsurance Recoveries 137, ,125 9 Due to Officers/ Directors - - Others: - Unclaimed Amount of Policy Holders 746, ,327 - Environmental Relief Fund Payable Employee Related Payables 19,230 13,837 - Temporary Bank Overdraft as per books of 322, ,742 accounts - Service Tax and Vat Liability 16,320 12,142 - Statutory Dues 85,995 61,683 TOTAL 37,426,523 31,295,618

23 FORM NL-18-PROVISIONS SCHEDULE PROVISIONS S.No. Particulars As at As at (Rs. In '000) (Rs. In '000) 1 Reserve for Unexpired Risk 8,883,956 8,984,897 2 For taxation (less advance tax paid and taxes deducted at source) For proposed dividends For dividend distribution tax Reserve for Premium Deficiency Others: - For Grautity 4, For Leave Encashment 16,708 14,594 - For Risk Reserves 100, ,000 TOTAL 9,004,843 9,099,491

24 FORM NL-19 MISC EXPENDITURE SCHEDULE MISCELLANEOUS EXPENDITURE (To the extent not written off or adjusted) S.No. Particulars As at As at (Rs. In '000) (Rs. In '000) 1 Discount Allowed in issue of - - shares/ debentures 2 Others (to be specified) - - TOTAL - -

25 FORM NL-20-RECEIPT AND PAYMENTS SCHEDULE RECEIPTS AND PAYMENTS ACCOUNT FOR THE YEAR ENDED MARCH 31, 2015 Particulars FOR THE YEAR ENDED MARCH 31, 2015 (Rs. In '000) FOR THE YEAR ENDED MARCH 31, 2014 Cash and cash equivalents at the beginning of year : Cash & Bank balance 644, ,783 Less: Temporary Bank Overdraft as per books of accounts 269, ,281 Cash flows from Operating Activities :- Direct Premiums received 27,196,885 23,577,329 Payment to Reinsurance companies (net of claims and commission) 3,541,607 (218,539) Payment to Co Insurance companies (net of claims and expenses) 481,199 (274,184) Direct Claims Paid (17,306,508) (15,086,786) Direct Commission / Brokerage Payments (1,065,413) (1,180,744) Payment of other operating expenses (5,523,995) (4,342,189) Preliminary and pre-operating expenses - - Advances, Deposits,Staff loans (490,968) 660,118 Service Tax (Net) 56,435 (94,734) Income tax paid (Net) (105,043) (1,702) Wealth Tax paid - - Misc Receipts/payments 14,510 (8,725) Cash Flow before extraordinary items 6,798,709 3,029,844 Cash flow from extraordinary operations - - Cash flow from operating activities :- 6,798,709 3,029,844 Cash flows from investing activities :- Purchase of investments (46,918,212) (28,035,131) Sale of investment (including gain/loss) 39,452,906 21,544,160 Purchase of fixed Assets (237,274) (138,495) Proceeds from Sale of fixed Assets 10,484 6,277 Rent/Interest/Dividends received 3,655,873 2,845,638 Investment in money market instruments and in liquid mutual funds (Net) (3,589,995) 838,282 Repayment received on Loan Given 46, ,126 Expenses related to investment activities (30,000) (24,810) Net Cash Flow from Investing activities (7,609,718) (2,709,953) Cash flows from financing activities :- Proceeds from issuance of share capital - - Share Application Money Received 900,000 - Proceeds from borrowings - - Repayment of borrowings - - Interest/ Dividend Paid - - Cash flow from Financing activities 900,000 - Cash and cash equivalents at the end of period including Bank overdraft * 463, ,393 * Cash and cash Equivalent at the end of period: Cash & Bank balance as per schedule 785, ,135 Less: Temporary book over draft as per schedule 322, ,742 Cash and Cash Equivalent at the end of period 463, ,393

26 FORM NL-21: Statement of Liabilities INSURER: Date: (Rs. In Lacs ) S.No. Particular Reserves for unexpired risks As at Reserve for Outstanding IBNR Reserves* Claims STATEMENT OF LIABILITIES Total Reserves Reserves for unexpired risks As at Reserve for Outstanding IBNR Reserves * Claims Total Reserves 1 Fire 4,066 3, ,888 3,288 3, ,396 2 Marine - a) Marine Cargo 1,152 1, ,260 1,043 1, ,752 b) Marine Hull Miscellaneous - a) Motor 68, , , ,189 70, , , ,049 b) Engineering 865 2, , , ,826 c) Aviation d) Liabilities e) Others 3,403 5,707 2,186 11,296 3,026 3, ,764 4 Health Insurance 10,427 5,723 5,944 22,094 10,727 6,290 3,219 20,235 TOTAL LIABILITIES 88, , , ,815 89, , , ,663 * Motor IBNR reserve include that relating to Motor CV Third Party Pool and Decline Risk Pool Rural Business is included in the respective class of business

27 FORM NL-22 INSURER: Date: GROSS DIRECT PREMIUM UNDERWRITTEN FOR THE PERIOD (Rs. In Lacs ) Fire Marine (Cargo) Marine (Hull) Engineering Motor OD Motor TP Liability insurance Personal Accident Medical Insurance Overseas Medical Insurance Crop Insurance All Other Miscellaneous Grand Total STATES For Q4 Upto Q4 For Q4 Upto Q4 For Q4 Upto Q4 For Q4 Upto Q4 For Q4 Upto Q4 For Q4 Upto Q4 For Q4 Upto Q4 For Q4 Upto Q4 For Q4 Upto Q4 For Q4 Upto Q4 For Q4 Upto Q4 For Q4 Upto Q4 For Q4 Upto Q4 Andhra Pradesh (20) , , ,128 4,561 Arunachal Pradesh Assam ,043 Bihar ,884 Chhattisgarh Goa Gujarat 148 1, ,953 7,213 2,210 9, , (281) 376 4,893 21,435 Haryana , , (147) ,495 6,095 Himachal Pradesh ,850 Jammu & Kashmir ,892 Jharkhand (2) , , ,162 Karnataka ,719 8,962 2,695 9, , ,816 24,637 Kerala ,425 5,879 1,568 6, , ,758 34,754 Madhya Pradesh ,887 Maharasthra 532 6, (10) ,965 4,346 15,532 5,194 19, ,678 2,048 1,126 5, , ,316 13,875 57,727 Manipur Meghalaya Mizoram Nagaland Orissa ,430 4, ,947 6,439 Punjab , , ,034 Rajasthan , , ,739 6, ,987 11,544 Sikkim Tamil Nadu ,968 6,814 2,674 9, ,028 19,190 Telangana ,045 3,571 1,287 4, ,573 9,818 Tripura Uttar Pradesh ,095 4, , ,608 4, ,434 12,802 Uttrakhand ,382 West Bengal 509 1, , ,286 1,148 4, , (5) 4, ,567 18,311 Andaman & Nicobar Is Chandigarh , , ,103 Dadra & Nagra Haveli Daman & Diu Delhi 477 2, , ,417 1,087 4,292 1,058 5, , , ,801 4,194 21,152 Lakshadweep Puducherry GRAND TOTAL 2,401 18, ,156 (14) 443 1,149 6,745 20,580 75,814 22,547 88, ,411 2,107 3,761 6,620 44, ,428 7,645 15, ,811 64, ,583

28 FORM NL-23 :Reinsurance Risk Concentration INSURER: Date: Statement for the Quarter ended March 31, 2015 (Rs. In Lacs ) S.No. Premium ceded to reinsurers Reinsurance Placements Reinsurance Risk Concentration No. of reinsurers Proportional Non- Proportional Facultative Premium ceded to reinsurers / Total reinsurance premium ceded (%) 1 No. of Reinsurers with rating of AAA and above % 2 No. of Reinsurers with rating AA but less than AAA , , % 3 No. of Reinsurers with rating A but less than AA % 4 No. of Reinsurers with rating BBB but less than A (145) -0.55% 5 No. of Reinsurers with rating less than BBB % 6 No. of Indian reinsurer other than GIC % TOTAL , , % Note: Wherever the rating of S&P is not available, equivalent rating from other international rating agencies has been considered. (Equivalent rating based on Munich Re - Rating Categories)

29 FORM NL-24 : Ageing of Claims INSURER: Date: Statement for the Quarter ended March 31, 2015 (Rs. In Lacs ) Ageing of Claims S.No. Line of Business No. of claims paid Total 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 ,123 2 Marine Cargo Marine Hull Engineering ,616 5 Motor OD 27,456 6,422 1, ,519 10,899 6 Motor TP ,056 3,605 15,040 7 Health 38, ,829 34, ,546 12,380 8 Overseas Travel Personal Accident , Liability Crop , Miscellaneous Total 66, ,892 37,170 1,631 3, ,412 51,492

30 FORM NL-25 : Quarterly claims data for Non-Life INSURER: Date: No. of claims only S.No. Claims Experience Fire Marine Cargo Marine Hull Engine ering Motor OD Motor TP Health Overseas Travel Personal Accident Liability Crop Credit 1 Claims O/S at the beginning of the period ,492 69,836 55, , , ,516 2 Claims reported during the period ,217 5, , ,631 3 Claims Settled during the period ,556 3, , ,412 4 Claims Repudiated during the period ,346-19, ,701 5 Claims closed during the period ,361 1,253 2, ,713 6 Claims O/S at End of the period ,446 70,249 36, , , ,321 Less than 3months ,937 4,129 19, ,803 3 months to 6 months ,775 3,926 1, ,053 6months to 1 year ,495 3, ,836 1year and above ,816 55,699 12, , ,629 Miscellan eous TOTAL

31 FORM NL-26 : CLAIMS INFORMATION - KG Table I Solvency as on March 31, 2015 Required solvency margin based on net premium and net incurred claims (Rs. In Lacs ) Item No. Description PREMIUM CLAIMS Gross Premium Net Premium Gross incurred Net incurred Claim RSM-1 RSM-2 RSM claim 1 Fire 21,900 5,617 12,945 3,650 2,190 1,942 2,190 2 Marine Cargo 4,167 2,280 7,501 1, ,350 1,350 3 Marine Hull Motor 164, , , ,289 26,204 36,387 36,387 5 Engineering 7,562 1,601 7,908 1, ,186 1,186 6 Aviation Liabilities 3,461 1, Others 25,234 7,219 22,294 6,428 3,533 4,682 4,682 9 Health 48,209 41,913 51,589 45,198 8,383 13,559 13,559 TOTAL 275, , , ,479 42,160 59,296 59,949 Note: Rural Insurance is included in the respective class of business.

32 FORM NL-27 : Offices information for Non-Life INSURER: Date: S.No Office Information No. of offices at the beginning of the year (As on ) No. of branches approved during the year Out of approvals of previous year No. of branches opened during the year Out of approvals of this year No. of branches closed during the year No of branches at the end of the period (As on ) No. of branches approved but not opend No. of rural branches No. of urban branches Number* *Excluding 12 Regional Offices

33 FORM NL-28-STATEMENT OF INVESTMENT ASSET INSURER: CODE: 103 STATEMENT AS ON PERIODICITY OF SUBMISSION : QUARTERLY STATEMENT OF INVESTMENT ASSETS (General Insurer, Re-Insurers) (Business within India) (Rs. In Lacs ) NO PARTICULARS SCH AMOUNT 1 Investments 8 504,833 2 Loans 9-3 Fixed Assets 10 3,493 4 Current Assets a. Cash & Bank Balance 11 7,859 b. Advances & Other Assets 12 46,374 5 Current Liabilities a. Current Liabilities 13 (374,265) b. Provisions 14 (90,048) c. Misc. Exp not written off 15 - d. Debit balance of P&L A/c - 81,881 APPLICATION OF FUNDS AS PER BALANCE SHEET (A) TOTAL (A) 180,126 OTHER ASSETS SCH AMOUNT 1 Loans (if any) 9-2 Fixed Assets (if any) 10 3,493 3 Cash & Bank Balance (if any) 11 7,859 4 Advances & Other Assets (if any) 12 46,374 5 Current Liabilities 13 (374,265) 6 Provisions 14 (90,048) 7 Misc. Expenses not written off 15-8 Debit balance of P&L A/c - 81,881 TOTAL (B) TOTAL (B) (324,707) INVESTMENT ASSETS AS PER FORM 3B (A - B) 504,833 No 'Investment' represented as Reg. % SH PH Book Value (SH + PH) FVC Amount Total Balance FRSM 1 % Actual (a) (b) (c) d=(a+b+c) (e) (d + e) Market Value 1 Government Securities Not less than 20% 0 82,105 79, , % 0 161, ,451 2 Government Securities or Other Approved Securities (incl. (1) above) Not less than 30% 0 82,105 86, , % 0 168, ,751 3 Investment subject to Exposure Norms 0 1. Housing & Loans to SG for Housing and FFE, Infrastructure Investments Not less than 15% , , % (161) 124, ,407 2.Approved Investments , , % , ,040 Not exceeding 55% 3.Other Investments (not exceeding 25%) 0 0 3,298 3, % 2 3,301 3,299 TOTAL INVESTMENT ASSETS 100% , , , % , ,497 Note: 1 FRSM refers Funds representing Solvency margin 2 Pattern of Investment will apply only to SH funds representing FRSM 3 Book value shall not include funds beyond Solvency Margin 4 Other Investments are as permitted under Sec 27A(2) and 27B(3)

34 FORM NL-29 Detail regarding debt securities INSURER: Date: (Rs. In lacs) Detail Regarding debt securities MARKET VALUE BOOK VALUE As at 31/03/2015 as % of total for this class As at 31/03/2014 as % of total for this class As at 31/03/2015 as % of total for this class As at 31/03/2014 as % of total for this class BREAKDOWN BY CREDIT RATING AAA rated 198, % 126, % 194, % 127, % AA or better 78, % 68, % 77, % 68, % Rated below AA but above A* 6, % 6, % 6, % 6, % Rated below A but above B % % % % Any other 220, % 169, % 218, % 176, % Total 503, % 370, % 496, % 377, % BREAKDOWN BY RESIDUAL MATURITY Up to 1 year 117, % 82, % 117, % 81, % More than 1 year and upto 3 years 119, % 70, % 118, % 70, % More than 3 years and up to 7 years 134, % 87, % 132, % 89, % More than 7 years and up to 10 years 73, % 72, % 71, % 75, % above 10 years 58, % 58, % 56, % 60, % Total 503, % 370, % 496, % 377, % BREAKDOWN BY TYPE OF THE INSURER a. Central Government 163, % 115, % 161, % 122, % b. State Government 7, % 15, % 7, % 15, % c.corporate Securities 333, % 239, % 327, % 240, % Total 503, % 370, % 496, % 377, % Note 1. In case a debt instrument is rated by more than one agency, then the lowest rating will be taken for the purpose of classification. 2. Market value of the securities will be in accordance with the Valuation Method specified by the Authority under Accounting/ Investment Regulations. 3. AAA rated' includes Securities having rating as P1+/A1+ 4. Any other' under 'Break down by credit rating' contains Liquid MFs / CBLO / G-Sec etc. It does not contain any Security which is rated below B 5. *Includes securities rated "A"

35 FORM NL-30 - Analytical Ratios INSURER: Date: Analytical Ratios for Non-Life companies S.No. Particular FOR THE QUARTER ENDED MARCH 31, 2015 UPTO THE QUARTER ENDED MARCH 31, 2015 FOR THE QUARTER ENDED MARCH 31, 2014* UPTO THE QUARTER ENDED MARCH 31, 2014* 1 Gross Direct Premium Growth Rate (%) 23% 14% 12% 19% 2 Gross Direct Premium to Net Worth Ratio (times) Growth Rate of Net worth (%) 20% 20% 9% 9% 4 Net Retention Ratio (%) 71% 69% 84% 76% 5 Net commission Ratio (%) -1% -1% 3% 2% 6 Expense of Management to Gross Direct Premium Ratio (%) 28% 24% 27% 24% 7 Expense of Management to Net written Premium(%) 38% 34% 31% 31% 8 Net incurred Claims to Net Earned Premium (%) 93% 94% 91% 92% 9 Combined Ratio (%) 124% 121% 118% 119% 10 Technical Reserve to net premium ratio (times) Underwriting Balance Ratio (times) Operating profit ratio (%) 2% 0% 1% 0% 13 Liquid Assets to Liabilities Ratio (times) Net Earnings Ratio (%) 4% 4% 6% 3% 15 Retun on Net Worth Ratio (%) 2% 8% 3% 8% 16 Actual Solvency Margin (ASM) to Required Solvency Margin(RSM) ratio (Times)** NPA Ratio (%) NA NA NA NA Gross NPA Ratio NA NA NA NA Net NPA Ratio NA NA NA NA Equity Holding Pattern for Non-Life Insurers 1 (a) No. of shares 122,774, ,774, ,774, ,774,960 2 (b) Percentage of shareholding (Indian / Foreign) Indian 100% 100% 100% 100% Foreign 0% 0% 0% 0% 3 ( c) %of Government holding (in case of public sector insurance companies) 0% 0% 0% 0% 4 (a) Basic and diluted EPS before extraordinary items (net of tax expense) for the period (not to be annualized) Basic EPS Diluted EPS (b) Basic and diluted EPS after extraordinary items (net of tax expense) for the period (not to be annualized) Basic EPS Diluted EPS (c) Book value per share (Rs) Note : 1. Company has operations only in India. 2. Ratios are computed as per definition laid down by IRDA Master Circular dated October 5, 2012 and corrigendum thereon dated July 03, Previous year figures are regrouped/ reclassified wherever necessary to conform to current year classification. 4.** With Reference to IRDA/F&A/CIR/SOLVN/011/01/2011 dated January 27, 2011, Solvency Margin is calculated including receivables due from Central/State Government sponsored schemes for more than 1 month & upto 6 month amounting to Rs 1, lacs as a part of ASM. Our solvency would be 1.51 in case we have disallowed receivables due from Central/State Government sponsored schemes for more than 1 month to 6 month amounting to Rs 1, lacs as a part of ASM.