FORM NL-7-OPERATING EXPENSES SCHEDULE
(Amount in Rs. Lakhs)
Miscellaneous 
  Particulars FIRE Marine Cargo Marine Hull Total Marine  Motor OD Motor TP Total Motor Health Personal Accident Travel Insurance Total Health Workmen’s Compensation/ Employer’s Liability Public/ Product Liability Engineering Aviation Crop Insurance Liability FL/ Credit Other Miscellaneous segment Total Miscellaneous Life Insurance Grand Total Grand Total
     For the Quarter
30.09.2021 
Up to the quarter
30.09.2021
 For the Quarter
30.09.2021 
Up to the quarter
30.09.2021
 For the Quarter
30.09.2021 
Up to the quarter
30.09.2021
 For the Quarter
30.09.2021 
Up to the quarter
30.09.2021
 For the Quarter
30.09.2021 
Up to the quarter
30.09.2021
 For the Quarter
30.09.2021 
Up to the quarter
30.09.2021
 For the Quarter
30.09.2021 
Up to the quarter
30.09.2021
 For the Quarter
30.09.2021 
Up to the quarter
30.09.2021
 For the Quarter
30.09.2021 
Up to the quarter
30.09.2021
 For the Quarter
30.09.2021 
Up to the quarter
30.09.2021
 For the Quarter
30.09.2021 
Up to the quarter
30.09.2021
 For the Quarter
30.09.2021 
Up to the quarter
30.09.2021
 For the Quarter
30.09.2021 
Up to the quarter
30.09.2021
 For the Quarter
30.09.2021 
Up to the quarter
30.09.2021
 For the Quarter
30.09.2021 
Up to the quarter
30.09.2021
 For the Quarter
30.09.2021 
Up to the quarter
30.09.2021
 For the Quarter
30.09.2021 
Up to the quarter
30.09.2021
 For the Quarter
30.09.2021 
Up to the quarter
30.09.2021
 For the Quarter
30.09.2021 
Up to the quarter
30.09.2021
 For the Quarter
30.09.2021 
Up to the quarter
30.09.2021
 For the Quarter
30.09.2021 
Up to the quarter
30.09.2021
 For the Quarter
30.09.2021 
Up to the quarter
30.09.2021
1 Employees’ remuneration & welfare benefits 1,138.79 1,768.08 63.72 100.44 43.97 75.54 107.69 175.99 800.05 1,154.57     800.05 1,154.57 302.09 387.61 36.80 48.37     338.89 435.98 2.25 3.43     111.07 192.39 177.60 269.09 398.42 1,061.89 54.70 78.06 39.68 49.66 31.69 64.75 1,954.35 3,309.83 95.91 147.51 3,296.74 5,401.40
2 Travel, conveyance and vehicle running expenses 14.35 16.41 0.81 0.93 0.60 0.70 1.41 1.63 9.55 10.72     9.55 10.72 3.32 3.60 0.41 0.45     3.73 4.05 0.03 0.03     1.52 1.79 2.20 2.50 7.68 9.86 0.65 0.72 0.43 0.46 0.49 0.60 26.27 30.72 1.20 1.37 43.23 50.14
3 Training expenses 4.11 8.83 0.23 0.50 0.14 0.38 0.37 0.88 3.11 5.77     3.11 5.77 1.29 1.94 0.15 0.24     1.45 2.18 0.01 0.02     0.35 0.96 0.66 1.34 0.33 5.30 0.21 0.39 0.17 0.25 0.08 0.32 6.36 16.53 0.35 0.74 11.19 26.98
4 Rents, rates & taxes 58.39 98.74 3.25 5.61 2.19 4.22 5.45 9.83 41.75 64.48     41.75 64.48 16.16 21.65 1.96 2.70     18.12 24.35 0.12 0.19     5.53 10.74 9.16 15.03 16.76 59.30 2.86 4.36 2.13 2.77 1.50 3.62 97.93 184.84 4.93 8.24 166.70 301.64
5 Repairs 160.38 343.87 8.83 19.54 5.49 14.69 14.31 34.23 121.18 224.55     121.18 224.55 50.45 75.39 6.03 9.41     56.48 84.79 0.32 0.67     13.71 37.42 25.66 52.34 13.07 206.53 8.37 15.18 6.75 9.66 2.95 12.59 248.49 643.73 13.64 28.69 436.83 1,050.52
6 Printing & stationery 1.08 1.18 0.06 0.07 0.05 0.05 0.11 0.12 0.72 0.77     0.72 0.77 0.25 0.26 0.03 0.03     0.28 0.29 0.00 0.00     0.12 0.13 0.17 0.18 0.61 0.71 0.05 0.05 0.03 0.03 0.04 0.04 2.00 2.21 0.09 0.10 3.28 3.60
7 Communication expenses 1.27 18.09 0.05 1.03 (0.07) 0.77 (0.02) 1.80 2.34 11.81     2.34 11.81 1.68 3.97 0.19 0.49     1.87 4.46 0.00 0.04     (0.21) 1.97 0.31 2.75 (6.87) 10.87 0.17 0.80 0.24 0.51 (0.22) 0.66 (2.37) 33.87 0.13 1.51 (0.99) 55.27
8 Legal & professional charges 70.98 125.85 3.95 7.15 2.62 5.38 6.57 12.53 51.27 82.18     51.27 82.18 20.13 27.59 2.43 3.44     22.57 31.03 0.14 0.24     6.60 13.69 11.18 19.15 17.74 75.58 3.52 5.56 2.66 3.53 1.73 4.61 117.41 235.58 6.00 10.50 200.96 384.45
9 Auditors' fees, expenses etc.             - -         - -             - -                                 - -     - -
  (a) as auditor 25.61 31.28 1.45 1.78 1.05 1.34 2.50 3.11 17.23 20.43     17.23 20.43 6.09 6.86 0.75 0.86     6.84 7.71 0.05 0.06     2.67 3.40 3.94 4.76 12.81 18.79 1.17 1.38 0.79 0.88 0.85 1.15 46.34 58.56 2.14 2.61 76.59 95.56
  (b) as adviser or in any other capacity, in respect of       -   - - -   -     - -   -   -     - -   -       -   -   -   -   -   - - -   - - -
  (i) Taxation matters 0.82 0.82 0.05 0.05 0.03 0.03 0.08 0.08 0.53 0.53     0.53 0.53 0.18 0.18 0.02 0.02     0.20 0.20 0.00 0.00     0.09 0.09 0.12 0.12 0.49 0.49 0.04 0.04 0.02 0.02 0.03 0.03 1.53 1.53 0.07 0.07 2.50 2.50
  (ii) Insurance matters - - - - - - - - - -     - - - - - -     - - - -     - - - - - - - - - - - - - - - - - -
  (iii) Management services; and - - - - - - - - - -     - - - - - -     - - - -     - - - - - - - - - - - - - - - - - -
  (c) in any other capacity 3.93 3.93 0.22 0.22 0.17 0.17 0.39 0.39 2.57 2.57     2.57 2.57 0.86 0.86 0.11 0.11     0.97 0.97 0.01 0.01     0.43 0.43 0.60 0.60 2.36 2.36 0.17 0.17 0.11 0.11 0.14 0.14 7.35 7.35 0.33 0.33 12.00 12.00
10 Advertisement and publicity 23.28 33.73 1.31 1.92 0.92 1.44 2.22 3.36 16.14 22.02     16.14 22.02 5.97 7.39 0.73 0.92     6.70 8.32 0.05 0.07     2.32 3.67 3.61 5.13 9.24 20.26 1.10 1.49 0.78 0.95 0.69 1.24 40.63 63.13 1.96 2.81 68.09 103.03
11 Interest & Bank Charges 552.17 903.52 30.82 51.33 20.98 38.60 51.80 89.93 392.07 590.01     392.07 590.01 150.33 198.07 18.26 24.72     168.58 222.79 1.09 1.75     52.91 98.31 86.43 137.51 172.21 542.64 26.85 39.89 19.81 25.38 14.63 33.09 934.58 1,691.38 46.57 75.38 1,585.13 2,760.21
12 Depreciation 60.77 158.85 3.30 9.02 1.87 6.79 5.17 15.81 48.47 103.73     48.47 103.73 21.50 34.82 2.54 4.35     24.04 39.17 0.12 0.31     4.61 17.28 9.92 24.18 (8.01) 95.40 3.37 7.01 2.91 4.46 0.66 5.82 86.10 297.37 5.21 13.25 157.24 485.28
13 Brand/Trade Mark usage fee/charges   -   -   - - -   -     - -   -   -     - -   -       -   -   -   -   -   - - -   - - -
14 Business Development and Sales Promotion Expenses   -   -   - - -   -     - -   -   -     - -   -       -   -   -   -   -   - - -   - - -
15 Information Technology Expenses 215.42 534.41 11.74 30.36 6.83 22.83 18.57 53.19 169.27 348.98     169.27 348.98 73.81 117.16 8.75 14.62     82.56 131.78 0.44 1.04     16.93 58.15 34.96 81.34 (15.36) 320.96 11.75 23.59 9.95 15.01 2.81 19.57 313.31 1,000.42 18.43 44.59 565.74 1,632.62
16 Goods and Services Tax (GST) 25.00 84.70 1.33 4.81 0.62 3.62 1.95 8.43 21.68 55.31     21.68 55.31 10.46 18.57 1.22 2.32     11.67 20.89 0.05 0.16     1.50 9.22 4.21 12.89 (12.08) 50.87 1.52 3.74 1.43 2.38 (0.04) 3.10 29.96 158.57 2.17 7.07 59.08 258.77
17 Others (to be specified)a 262.60 352.50 14.78 20.03 10.55 15.06 25.33 35.09 179.54 230.19     179.54 230.19 65.06 77.28 7.99 9.64     73.05 86.92 0.51 0.68     26.74 38.36 40.58 53.65 116.92 211.71 12.23 15.56 8.48 9.90 8.19 12.91 466.23 659.88 22.04 29.41 776.19 1,076.88
                            - -             - -                                 - -     - -
                            - -             - -                                 - -     - -
  TOTAL 2,618.95 4,484.79 145.89 254.78 98.01 191.62 243.90 446.40 1,877.45 2,928.61 0   1,877.45 2,928.61 729.62 983.18 88.38 122.69     818.00 1,105.88 5.19 8.70     246.88 488.00 411.29 682.57 726.32 2,693.51 128.75 198.01 96.38 125.97 66.21 164.24 4,376.46 8,395.50 221.17 374.17 7,460.49 13,700.86
    In India                                                                                        
   Outside India                                                                                        
  Notes:
(a) Items of expenses 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.
(b) Separate disclosure to be made for segment/sub-segment which contributes more than 10 percent of the total gross direct premium
(c) Expenses paid for various outsourcing activities/arrangements are to be booked under relevant line item on the basis of nature of services availed and not to be shown as "Outsourcing Expense"
Miscellaneous 
  Particulars FIRE Marine Cargo Marine Hull Total Marine  Motor OD Motor TP Total Motor Health Personal Accident Travel Insurance Total Health Workmen’s Compensation/ Employer’s Liability Public/ Product Liability Engineering Aviation Crop Insurance Liability FL/ Credit Other Miscellaneous segment Total Miscellaneous Life Insurance Grand Total Grand Total
     For the corresponding quarter of the previous year  30.09.2020  up to the Quarter of the previous year 30.09.2020  For the corresponding quarter of the previous year  30.09.2020  up to the Quarter of the previous year 30.09.2020  For the corresponding quarter of the previous year  30.09.2020  up to the Quarter of the previous year 30.09.2020  For the corresponding quarter of the previous year  30.09.2020  up to the Quarter of the previous year 30.09.2020  For the corresponding quarter of the previous year  30.09.2020  up to the Quarter of the previous year 30.09.2020  For the corresponding quarter of the previous year  30.09.2020  up to the Quarter of the previous year 30.09.2020  For the corresponding quarter of the previous year  30.09.2020  up to the Quarter of the previous year 30.09.2020  For the corresponding quarter of the previous year  30.09.2020  up to the Quarter of the previous year 30.09.2020  For the corresponding quarter of the previous year  30.09.2020  up to the Quarter of the previous year 30.09.2020  For the corresponding quarter of the previous year  30.09.2020  up to the Quarter of the previous year 30.09.2020  For the corresponding quarter of the previous year  30.09.2020  up to the Quarter of the previous year 30.09.2020  For the corresponding quarter of the previous year  30.09.2020  up to the Quarter of the previous year 30.09.2020  For the corresponding quarter of the previous year  30.09.2020  up to the Quarter of the previous year 30.09.2020  For the corresponding quarter of the previous year  30.09.2020  up to the Quarter of the previous year 30.09.2020  For the corresponding quarter of the previous year  30.09.2020  up to the Quarter of the previous year 30.09.2020  For the corresponding quarter of the previous year  30.09.2020  up to the Quarter of the previous year 30.09.2020  For the corresponding quarter of the previous year  30.09.2020  up to the Quarter of the previous year 30.09.2020  For the corresponding quarter of the previous year  30.09.2020  up to the Quarter of the previous year 30.09.2020  For the corresponding quarter of the previous year  30.09.2020  up to the Quarter of the previous year 30.09.2020  For the corresponding quarter of the previous year  30.09.2020  up to the Quarter of the previous year 30.09.2020  For the corresponding quarter of the previous year  30.09.2020  up to the Quarter of the previous year 30.09.2020  For the corresponding quarter of the previous year  30.09.2020  up to the Quarter of the previous year 30.09.2020
1 Employees’ remuneration & welfare benefits 681.70 1,396.73 40.12 97.67 57.06 79.44 97.18 177.11 352.61 692.32     352.61 692.32 341.13 499.06 28.47 60.24     369.59 559.30 0.93 5.40     60.58 155.69 70.16 201.71 (204.09) 853.75 16.64 62.66 19.14 31.27 12.93 78.46 698.49 2,640.57 33.12 83.99 1,510.50 4,298.40
2 Travel, conveyance and vehicle running expenses 5.28 6.24 0.36 0.44 0.32 0.36 0.68 0.79 2.64 3.09     2.64 3.09 2.02 2.23 0.23 0.27     2.24 2.50 0.02 0.02     0.57 0.70 0.72 0.90 2.39 3.82 0.22 0.28 0.12 0.14 0.26 0.35 9.18 11.80 0.31 0.38 15.44 19.21
3 Training expenses 1.30 1.42 0.09 0.10 0.08 0.08 0.17 0.18 0.65 0.71     0.65 0.71 0.48 0.51 0.06 0.06     0.54 0.57 0.00 0.01     0.14 0.16 0.18 0.21 0.69 0.87 0.06 0.06 0.03 0.03 0.07 0.08 2.36 2.69 0.08 0.09 3.90 4.38
4 Rents, rates & taxes 53.35 86.78 3.38 6.07 3.89 4.94 7.27 11.00 27.13 43.01     27.13 43.01 23.62 31.01 2.26 3.74     25.88 34.75 0.13 0.34     5.23 9.67 6.38 12.53 3.58 53.04 1.74 3.89 1.38 1.94 1.81 4.87 73.26 164.06 2.84 5.22 136.71 267.06
5 Repairs 161.32 298.48 9.83 20.87 12.68 16.98 22.52 37.85 82.78 147.95     82.78 147.95 76.35 106.65 6.78 12.87     83.13 119.52 0.30 1.15     15.03 33.27 17.87 43.10 (20.47) 182.44 4.56 13.39 4.36 6.68 4.20 16.77 191.75 564.28 8.19 17.95 383.77 918.55
6 Printing & stationery 0.32 0.44 0.02 0.03 0.02 0.02 0.04 0.06 0.16 0.22     0.16 0.22 0.13 0.16 0.01 0.02     0.14 0.17 0.00 0.00     0.03 0.05 0.04 0.06 0.10 0.27 0.01 0.02 0.01 0.01 0.01 0.02 0.52 0.82 0.02 0.03 0.90 1.34
7 Communication expenses 10.58 14.09 0.70 0.99 0.69 0.80 1.39 1.79 5.32 6.99     5.32 6.99 4.26 5.04 0.45 0.61     4.71 5.64 0.03 0.05     1.10 1.57 1.39 2.04 3.42 8.61 0.41 0.63 0.26 0.32 0.47 0.79 17.10 26.65 0.60 0.85 29.67 43.37
8 Legal & professional charges 72.44 117.56 4.59 8.22 5.27 6.69 9.86 14.91 36.84 58.27     36.84 58.27 32.04 42.01 3.07 5.07     35.10 47.08 0.17 0.45     7.10 13.10 8.68 16.98 5.11 71.86 2.37 5.27 1.87 2.63 2.47 6.60 99.71 222.25 3.86 7.07 185.87 361.79
9 Auditors' fees, expenses etc.             - -         - -             - -                                 - -     - -
  (a) as auditor 28.06 44.21 1.79 3.09 2.01 2.51 3.80 5.61 14.24 21.91     14.24 21.91 12.23 15.80 1.19 1.91     13.42 17.70 0.07 0.17     2.78 4.93 3.41 6.38 3.13 27.02 0.94 1.98 0.72 0.99 1.00 2.48 39.71 83.57 1.51 2.66 73.08 136.04
  (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 1.75 1.75 0.12 0.12 0.10 0.10 0.22 0.22 0.87 0.87     0.87 0.87 0.63 0.63 0.08 0.08     0.70 0.70 0.01 0.01     0.20 0.20 0.25 0.25 1.07 1.07 0.08 0.08 0.04 0.04 0.10 0.10 3.31 3.31 0.11 0.11 5.39 5.39
10 Advertisement and publicity 22.08 36.50 1.39 2.55 1.62 2.08 3.02 4.63 11.24 18.09     11.24 18.09 9.86 13.04 0.93 1.57     10.79 14.61 0.05 0.14     2.15 4.07 2.62 5.27 0.98 22.31 0.71 1.64 0.57 0.82 0.73 2.05 29.84 69.00 1.17 2.19 56.10 112.31
11 Interest & Bank Charges 796.35 1,145.81 52.00 80.12 54.23 65.17 106.23 145.29 401.92 567.95     401.92 567.95 332.22 409.41 33.89 49.42     366.11 458.83 2.24 4.43     81.24 127.72 101.18 165.47 183.37 700.38 28.91 51.40 19.73 25.65 32.34 64.36 1,217.03 2,166.20 44.04 68.90 2,163.65 3,526.20
12 Depreciation 132.72 219.02 8.37 15.31 9.76 12.46 18.13 27.77 67.56 108.56     67.56 108.56 59.20 78.26 5.61 9.45     64.81 87.70 0.31 0.85     12.94 24.41 15.75 31.63 6.21 133.87 4.27 9.83 3.44 4.90 4.39 12.30 179.68 414.06 7.03 13.17 337.56 674.01
13 Brand/Trade Mark usage fee/charges             - -         - -             - -                                 - -     - -
14 Business Development and Sales Promotion Expenses             - -         - -             - -                                 - -     - -
15 Information Technology Expenses 127.62 313.81 6.96 21.94 12.02 17.85 18.98 39.79 67.09 155.55     67.09 155.55 71.00 112.13 5.26 13.54     76.26 125.66 0.05 1.21     10.21 34.98 11.06 45.32 (83.65) 191.82 2.09 14.08 3.87 7.03 0.56 17.63 87.55 593.27 5.62 18.87 239.77 965.74
16 Goods and Services Tax (GST) 33.90 91.28 1.77 6.38 3.40 5.19 5.16 11.57 17.99 45.24     17.99 45.24 19.94 32.61 1.39 3.94     21.33 36.55 (0.01) 0.35     2.54 10.17 2.63 13.18 (29.09) 55.79 0.40 4.10 1.07 2.04 (0.13) 5.13 16.73 172.57 1.41 5.49 57.20 280.91
17 Others (to be specified)a 133.05 222.88 8.36 15.58 9.86 12.68 18.22 28.26 67.80 110.47     67.80 110.47 59.80 79.64 5.62 9.61     65.42 89.25 0.30 0.86     12.90 24.84 15.66 32.19 3.34 136.23 4.22 10.00 3.47 4.99 4.29 12.52 177.38 421.36 7.01 13.40 335.66 685.90
                            - -             - -                                 - -     - -
                            - -             - -                                 - -     - -
  TOTAL 2,261.82 3,996.98 139.85 279.49 173.02 227.34 312.87 506.83 1,156.83 1,981.19     1,156.83 1,981.19 1,044.89 1,428.15 95.28 172.40     1,140.17 1,600.55 4.60 15.47     214.74 445.54 257.99 577.21 (123.93) 2,443.16 67.63 179.32 60.05 89.49 65.49 224.52 2,843.58 7,556.45 116.92 240.36 5,535.18 12,300.62
    In India                         - -                                                            
   Outside India                                                                                        
  Notes:
(a) Items of expenses 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.
(b) Separate disclosure to be made for segment/sub-segment which contributes more than 10 percent of the total gross direct premium
(c) Expenses paid for various outsourcing activities/arrangements are to be booked under relevant line item on the basis of nature of services availed and not to be shown as "Outsourcing Expense"