FORM NL-30 Analytical Ratios    
Sl.No. Particular For the Period 31.03.2012 Correspodning Period 31.03.2011
1 Gross Premium Growth Rate 16.6 20.0
2 Gross Premium to shareholders' fund ratio 177.2 117.7
3 Growth rate of shareholders'fund -21.7 8.7
4 Net Retention Ratio 92.2 90.0
5 Net Commission Ratio 16.5 18.3
6 Expense of Management to Gross Direct Premium Ratio 0.8 0.7
7 Combined Ratio 75.8 74.6
8 Technical Reserves to net premium ratio 190.0 158.3
9 Underwriting balance ratio -28.3 2.2
10 Operationg Profit Ratio -21.6 10.6
11 Liquid Assets to liabilities ratio 33.0 32.9
12 Net earning ratio -19.7 9.8
13 return on net worth ratio -32.1 10.5
14 Available Solvency argin Ratio to Required Solvency Margin Ratio 1.59 3.35
15 NPA Ratio    
  Gross NPA Ratio 1.99 2.96
  Net NPA Ratio 0.17 1.23
Equity Holding Pattern for Non-Life Insurers (Rs in Lakhs)  
1 (a) No. of shares 43000000 43000000
2 (b) Percentage of shareholding (Indian / Foreign) 100% Indian 100% Indian
3 (c) %of Government holding (in case of public sector insurance companies) 100% 100%
4 (a) Basic and diluted EPS before extraordinary items (net of tax expense) for the period (not to be annualized) -574 240
5 (b) Basic and diluted EPS after extraordinary items (net of tax expense) for the period (not to be annualized) -574 240
6 (iv) Book value per share (Rs) 1733 2308
Combined Ratio : is calculated taking into consideration Claims Paid + EOM + Commission Paid