Disclosures -NON LIFE INSURANCE COMPANIES 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 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
Particular Schedule FIRE BUSINESS MARINE BUSINESS Dec 31, 2015 MISCELLANEOUS BUSINESS Dec Dec 31, 2016 31, 2015 Dec 31, 2015 Dec 31, 2016 ( ` '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) Dec 31, 2016 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 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 TOTAL BUSINESS Dec 31, 2015
FORM NL-2-B-PL HDFC GENERAL INSURANCE LIMITED. Registration No. 146 Date of Registration with the IRDA:July 09,2010 PROFIT /LOSS ACCOUNT FOR THE PERIOD ENDED DECEMBER 31, 2016 Sr no Particulars Dec Dec 31, 2016 31, 2015 ( ` '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) Notes: to Form NL-1-B-RA and NL-2-B- PL (a) Premium income received from business concluded in and outside India shall be separately disclosed. (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,. (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. (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.
FORM NL-3-B-BS HDFC GENERAL INSURANCE LIMITED Registration No. 146 Date of Registration with the IRDA July 09 2010 BALANCE SHEET AS AT DECEMBER 31, 2016 Particulars SOURCES OF FUNDS SHARE CAPITAL Schedule NL-8-Share Capital Schedule As at As at ( ` '000) ( ` '000) 7,670,000 6,620,000 SHARE APPLICATION MONEY PENDING ALLOTMENT RESERVES AND SURPLUS FAIR VALUE CHANGE ACCOUNT BORROWINGS NL-10-Reserves and Surplus Schedule NL-11-Borrowings Schedule - - - - 428 4,255 - - DEFERRED TAX LIABILITY - - TOTAL 7,670,428 6,624,255 APPLICATION OF FUNDS INVESTMENTS LOANS FIXED ASSETS NL-12-Investment Schedule NL-13-Loans Schedule NL-14-Fixed Assets Schedule 6,600,707 5,373,759 - - 35,625 199,502 DEFERRED TAX ASSET - - CURRENT ASSETS Cash and Bank Balances Advances and Other Assets NL-15-Cash and bank balance Schedule NL-16-Advances and Other Assets Schedule 156,635 267,702 437,225 942,431 Sub-Total (A) 593,860 1,210,133 CURRENT LIABILITIES PROVISIONS NL-17-Current Liabilities Schedule NL-18-Provisions Schedule 4,262,167 3,563,069 1,348,021 1,891,259 Sub-Total (B) 5,610,188 5,454,328 NET CURRENT ASSETS (C) = (A - B) MISCELLANEOUS EXPENDITURE (to the extent not written off or adjusted) NL-19-Miscellaneous Expenditure Schedule (5,016,328) (4,244,195) - - DEBIT BALANCE IN PROFIT AND LOSS ACCOUNT 6,050,424 5,295,189 TOTAL 7,670,428 6,624,255 CONTINGENT LIABILITIES Particulars As at As at ( ` '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-4-PREMIUM SCHEDULE HDFC GENERAL INSURANCE LIMITED Registration no: 146 Date of Registration with the IRDA:July 09,2010 PREMIUM EARNED [NET] Particulars Fire Marine Cargo Marine Hull Motor-OD Motor-TP Motor/Declined Risk Pool Workmens Compensation Other Liabilities ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) 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 6,846 65,082 27,679 12,916 - - 944,905 477,354 125,244 147,142 - - (1,493) 7,654 1,139 4,247 unexpired risks 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 - - Adjustment for change in reserve for (255) (93,758) 32,596 16,372 - - (95,414) 87,931 (39,667) 74,010 - - 6,257 5,506 (2,528) (554) unexpired risks 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 Particulars Engineering Aviation Personal Accident Health Home Weather/Crop Others Total ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) 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 Adjustment for change in reserve for (929) (17,394) - - 1,640 3,781 75,320 37,081 - - - - 10,322 6,258 1,190,673 744,121 unexpired risks 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 Adjustment for change in reserve for 7,593 26,280 - - 1,779 1,318 (26,493) 72,238 - - - - (7,329) (1,959) (123,461) 187,382 unexpired risks Premium Earned (Net) (127,161) 29,672 - - 3,834 17,856 7,955 374,968 - - - - (9,273) 10,183 835,840 2,710,326 Particulars Fire Marine Cargo Marine Hull Motor-OD Motor-TP Motor/Declined Risk Pool Workmens Compensation Other Liabilities ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) 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 - - - - - - - - Adjustment for change in reserve for (182,352) (373,467) (5,943) (17,517) - - (101,748) (157,108) (80,905) (88,783) - - (638) (709) (2,260) 2,259 unexpired risks 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 Adjustment for change in reserve for 189,131 363,018 2,080 (421) - - 15,455 19,066 5,565 (16,743) - - 63 359 1,061 (3,988) unexpired risks 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 Particulars Engineering Aviation Personal Accident Health Home Weather/Crop Others Total ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) 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 Adjustment for change in reserve for (10,567) (31,173) - - (374) 30,411 (10,491) (35,246) - - - - (536) 1,733 (395,814) (669,601) unexpired risks 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 Adjustment for change in reserve for 20,207 42,884 - - 4 (33,908) 4,172 2,847 - - - - 1,689 11 239,427 373,126 unexpired risks Premium Earned (Net) 12,761 41,344 - - 5,346 14,659 118,519 353,936 - - - - 2,997 10,905 705,475 2,106,782 Note: Reinsurance premiums whether on business ceded or accepted are to be brought into account, before deducting commission, under the head ofreinsurance premiums.
FORM NL-5 - CLAIMS SCHEDULE HDFC GENERAL INSURANCE LIMITED Registration no: 146 Date of Registration with the IRDA:July 09,2010 CLAIMS INCURRED [NET] Fire Marine Cargo Marine Hull Motor-OD Motor-TP Motor/Declined Risk Pool Workmens Compensation Other Liabilities Particulars ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) 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 Engineering Aviation Personal Accident Health Home Weather/Crop Others Total Particulars ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) 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 Particulars Fire Marine Cargo Marine Hull Motor-OD Motor-TP Motor/Declined Risk Pool Workmens Compensation Other Liabilities ( ` '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) Particulars Engineering Aviation Personal Accident Health Home Weather/Crop Others Total ( ` '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 a) Incurred But Not Reported (IBNR), Incurred but not enough reported [IBNER] claims should be included in the amount for outstanding claims. 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.
FORM NL-6-COMMISSION SCHEDULE HDFC GENERAL INSURANCE LIMITED Registration No. 146 Date of Registration with the IRDA July 09, 2010 COMMISSION Fire Marine Cargo Marine Hull Motor-OD Motor-TP Motor/Declined Risk Pool Workmens Compensation Other Liabilities Particulars ( ` '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 Engineering Aviation Personal Accident Health Home Weather/Crop Others Total Particulars ( ` '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) Break-up of the expenses (Gross) incurred to procure business to be furnished as per details indicated 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 Particulars Fire Marine Cargo Marine Hull Motor-OD Motor-TP Motor/Declined Risk Pool Workmens Compensation Other Liabilities ( ` '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 Break-up of the expenses (Gross) incurred to procure business to be furnished as per details indicated 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 Particulars Engineering Aviation Personal Accident Health Home Weather/Crop Others Total ( ` '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 Break-up of the expenses (Gross) incurred to procure business to be furnished as per details indicated 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 Note: The profit/ commission, if any, are to be combined with the Re-insurance accepted or * The amount includes paid to Corporate Agents.
FORM NL-7-OPERATING EXPENSES SCHEDULE HDFC GENERAL INSURANCE LIMITED Registration No. 146 Date of Registration with the IRDA July 09,2010 OPERATING EXPENSES RELATED TO INSURANCE BUSINESS Particulars Fire Marine Cargo Marine Hull Motor-OD Motor-TP Motor/Declined Risk Pool Workmens Compensation Other Liabilities ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) 41,631 10,500 10,939 130,694 24,980 91,108 225 2,776 679 1 Employees remuneration & welfare 959 1,323 - - - - 47 benefits Travel, conveyance 2 and vehicle running 241 3,562 149 898 - - 1,404 11,183 2,396 7,795 - - 29 237 6 58 expenses 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 - 1 4 60 254 20 64 - - 225 798 240 556-5 17 (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 - 3 18 128 1,094 58 276 - - 591 3,436 824 2,395-12 73 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 - 35 241 1,500 14,777 731 3,727 - - 7,296 46,391 10,751 32,339-153 985 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 Engineering Aviation Personal Accident Health Home Weather/Crop Others Total Particulars ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) 13,136 1,867 11,622 50,204 1,866 50,899 344,461 1 Employees remuneration & welfare 722 - - 14 - - - - 68 benefits Travel, conveyance 2 and vehicle running 110 1,124 - - 8 160 1,145 4,296 - - - - 13 160 5,502 29,473 expenses 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 (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 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 Loss on sale of assets (net) - - - - - - - - - - - - - - - - 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 Particulars Fire Marine Cargo Marine Hull Motor-OD Motor-TP Motor/Declined Risk Pool Workmens Compensation Other Liabilities ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) 11,943 12,565 88,216 222,895 34,783 97,010 4,231 4,231 1,821 6,117 549 1,404 1 Employees remuneration & welfare 410 3,754 - - benefits Travel, conveyance 2 and vehicle running (6) 812 229 855 - - 5,601 15,163 2,181 6,599 288 288 111 416 35 96 expenses 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 (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 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 3,456 3,636 - - 64,496 28,070 1,224 1,770 406 Expenses (128) 898 22,648 8,735 1,224 435 141 Postage & courier 32 201 82 212 - - 1,775 3,753 720 1,633 71 71 40 103 11 24 Loss on sale of assets (net) - - - - - - - - - - - - - - - - 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 Particulars Engineering Aviation Personal Accident Health Home Weather/Crop Others Total ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) ( ` '000) 5,385 1,057 3,299 23,061 70,204 346 1,665 158,833 436,718 1 Employees remuneration & welfare 605 - - - - - - benefits Travel, conveyance 2 and vehicle running 27 366 - - 65 224 1,429 4,776 - - - - 20 113 9,980 29,708 expenses 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 (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 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 1,558 - - 955 20,314 - - - - 482 40,022 126,367 73 258 5,666 72 Postage & courier 20 91 - - 23 56 490 1,182 - - - - 9 28 3,273 7,353 Loss on sale of assets (net) - - - - - - - - - - - - - - - - 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 Note: Items of expenses and income in excess of one percent of the total premiums (less reinsurance) or Rs.5,00,000
FORM NL-8-SHARE CAPITAL SCHEDULE HDFC GENERAL INSURANCE LIMITED Registration No. 146 Date of Registration with the IRDA:July 09,2010 SHARE CAPITAL Sr no. Particulars As at As at ( ` '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 6,620,000 767,000,000 Equity Shares of ` 10/- each (As on 31st Dec 2015 : 662,000,000 Equity Shares of ` 10/- each) 3 Subscribed Capital 7,670,000 6,620,000 767,000,000 Equity Shares of ` 10/- each (As on 31st Dec 2015 : 662,000,000 Equity Shares of ` 10/- each) 4 Called-up Capital 7,670,000 6,620,000 767,000,000 Equity Shares of ` 10/- each (As on 31st Dec 2015 : 662,000,000 Equity Shares of ` 10/- each) 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 Shares held by Housing Development Finance Corporation Limited, - - the holding company Notes: (a) Particulars of the different classes of capital should be separately stated. (b) The amount capitalised on account of issue of bonus shares should be disclosed. (c) In case any part of the capital is held by a holding company, the same should be separately disclosed.
FORM NL-9-PATTERN OF SHAREHOLDING SCHEDULE HDFC GENERAL INSURANCE LIMITED Registration No. 146 Date of Registration with the IRDA:July 09,2010 SHARE CAPITAL PATTERN OF SHAREHOLDING [As certified by the Management] Shareholder As at As at 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%
Particulars ( ` '000) ( ` '000) 1 Capital Reserve - - 2 Capital Redemption Reserve - - 3 Share Premium - - 4 FORM NL-10-RESERVES AND SURPLUS SCHEDULE HDFC GENERAL INSURANCE LIMITED Registration No. 146 Date of Registration with the IRDA:July 09,2010 RESERVES AND SURPLUS As at As at 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: Additions to and deductions from the reserves should be disclosed under each of the specified heads.
FORM NL-11-BORROWINGS SCHEDULE HDFC GENERAL INSURANCE LIMITED Registration No. 146 Date of Registration with the IRDA:July 09,2010 BORROWINGS Sr no. Particulars As at As at ( ` '000) ( ` '000) 1 Debentures/ Bonds - - 2 Banks - - 3 Financial Institutions - - 4 Others (to be specified) Non Convertible Debentures - - TOTAL - - Notes: a) The extent to which the borrowings are secured shall be separately disclosed stating the nature of the security under each sub-head. b) Amounts due within 12 months from the date of Balance Sheet should be shown separately
FORM NL-12-INVESTMENT SCHEDULE HDFC GENERAL INSURANCE LIMITED Registration No. 146 Date of Registration with the IRDA:July 09,2010 Investments Sr.no. Particulars As at As at ( ` '000) ( ` '000) LONG TERM INVESTMENTS 1 Government securities and Government 1,742,121 2,092,403 guaranteed bonds including Treasury Bills 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 242,503 - guaranteed bonds including Treasury Bills 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 196,783 - Certificate of Deposits) (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-13-LOANS SCHEDULE HDFC GENERAL INSURANCE LIMITED Registration No. 146 Date of Registration with the IRDA:July 09,2010 LOANS Particulars As at As at ( ` '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 - - (bb) Outside India - - (b) Non-performing loans less provisions (aa) In India - - (bb) Outside India - - TOTAL - - 4 MATURITY-WISE CLASSIFICATION (a) Short Term - - (b) Long Term - - TOTAL - - Notes: (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. (d) Loans considered doubtful and the amount of provision created against such loans shall be disclosed.
FIXED ASSETS ( ` '000) Particulars Cost/ Gross Block Depreciation Net Block Opening as on Closing as on Up to Last Year For The Period On Sales/ As at December As at December Additions Deductions To Date April 01, 2016 Adjustments 31, 2016 31, 2015 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 December 31, 2015 1,136,243 27,773-1,164,016 788,685 177,798-966,483 199,502 - Note: HDFC GENERAL INSURANCE LIMITED Registration no: 146 Date of Registration with the IRDA:July 09,2010 Assets included in land, property and building above exclude Investment Properties as defined in note (e) to Form NL-12-Investment Schedule.
FORM NL-15-CASH AND BANK BALANCE SCHEDULE HDFC GENERAL INSURANCE LIMITED Registration No. 146 Date of Registration with the IRDA:July 09,2010 CASH AND BANK BALANCES Sr.no. Particulars As at As at ( ` '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-16-ADVANCES AND OTHER ASSETS SCHEDULE HDFC GENERAL INSURANCE LIMITED Registration No. 146 Date of Registration with the IRDA:July 09,2010 ADVANCES AND OTHER ASSETS Particulars As at As at ( ` '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 2 2 source (Net of provision for taxation) 6 Others (to be specified) 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 184,670 441,669 business (including reinsurers) 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] 8 Others (to be specified) 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: (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. (c)sundry Debtors will be shown under item 9(others)
FORM NL-17-CURRENT LIABILITIES SCHEDULE HDFC GENERAL INSURANCE LIMITED Registration No. 146 Date of Registration with the IRDA:July 09,2010 CURRENT LIABILITIES Sr.no. Particulars As at As at ( ` '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-18-PROVISIONS SCHEDULE HDFC GENERAL INSURANCE LIMITED Registration No. 146 Date of Registration with the IRDA:July 09,2010 PROVISIONS Sr.no. Particulars As at As at ( ` '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
Sr.no. Particulars As at As at ( ` '000) ( ` '000) 1 Discount Allowed in issue of shares/ debentures - - 2 Others (to be specified) Pre-operative expenses: Opening balance - - Incurred during the year - - Less :Amortisation during the year - - TOTAL - - Notes: FORM NL-19 MISC EXPENDITURE SCHEDULE HDFC GENERAL INSURANCE LIMITED Registration No. 146 Date of Registration with the IRDA:July 09,2010 MISCELLANEOUS EXPENDITURE (To the extent not written off or adjusted) (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. (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.
W FORM NL-21 Statement of Liabilities HDFC General Insurance Limited Statement of Liabilities (FORM IRDAI-GI-TR) ( ` in lakhs) December 31, 2016 December 31, 2015 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.
PERIODIC DISCLOSURES FORM 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) STATES Fire Marine (Cargo) Marine (Hull) Engineering Motor Own Damage Motor Third Party Liability insurance Personal Accident Medical Insurance Overseas medical Insurance Crop Insurance All Other Miscellaneous Grand Total 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