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ANNUAL REPORT 2011-12

STATEMENT 43
COMPANY WISE NUMBER OF MICRO INSURANCE AGENTS
As on 1st April,
2011

Additions during
2011-12

AEGON RELIGARE

AVIVA

1

2

1

2

210

210

BIRLA SUNLIFE

33

75

18

90

CANARA HSBC

DLF PRAMERICA

EDELWEISS TOKIO

FUTURE GENERALI

HDFC STANDARD

47

11

58

ICICI PRUDENTIAL

IDBI FEDERAL

INDIAFIRST

ING VYSYA

KOTAK MAHINDRA

MAX LIFE

METLIFE

9

3

12

RELIANCE

SAHARA

15

15

SBI LIFE

Life Insurer

BAJAJ ALLIANZ
BHARTI AXA

SHRIRAM LIFE
STAR UNION DAI-ICHI

Deletions during As on 31st March,
2011-12
2012

421

421

TATA AIA

443

29

29

443

PRIVATE TOTAL

758

541

48

1251

9724

2910

1088

11546

10482

3451

1136

12797

LIC
INDUSTRY TOTAL

194

STATEMENT 44

GROSS DIRECT PREMIUM OF NON-LIFE INSURERS (WITHIN & OUTSIDE INDIA)
(` Crore)
INSURER
BAJAJ ALLIANZ

NATIONAL
NEW INDIA
ORIENTAL
UNITED
PUBLIC SECTOR
TOTAL
AIC
ECGC
APOLLO MUNICH
MAX BUPA
STAR HEALTH

2001-02

2002-03

2003-04

2004-05

2005-06

2006-07

2007-08

2008-09

2009-10

2010-11

2011-12

141.96

296.48

476.53

851.62

1272.29

1786.34

2379.92

2619.29

2482.33

2869.96

3286.62






5.83


1.07
0.24




7.14
2227.73
3493.05
2247.10
2524.00
10491.88

10499.02








28.13
70.51


77.46
71.13


78.46

467.65
(6453.98)
2439.41
4198.06
2498.64
2781.48
11917.59
(13.59)
12385.24
(17.97)

338.52


14.79

9.49
211.66
213.33


185.68
184.44


233.93

1349.80
(188.64)
2869.87
4812.79
2868.15
2969.63
13520.44
(13.45)
14870.25
(20.06)

374.78


97.05

112.95
486.73
322.24


161.06
257.76


343.52

2257.83
(67.27)
3399.97
4921.47
2899.74
3063.47
14284.65
(5.65)
16542.49
(11.25)
369.21
445.48


169.25

175.63
873.86
496.64


161.68
330.70


448.24

3507.62
(55.35)
3810.65
5103.16
3090.55
2944.46
14948.82
(4.65)
18456.45
(11.57)
549.72
515.55


220.18

200.94
1582.86
892.72


162.33
458.64


572.70

5362.66
(52.89)
3536.34
5675.54
3609.77
3154.78
15976.44
(6.87)
21339.10
(15.62)
555.83
577.33


311.73

194.00
2989.07
1144.47


912.23
598.20


710.55

8646.57
(61.24)
3827.12
5936.78
4020.78
3498.77
17283.45
(8.18)
25930.02
(21.51)
564.67
617.66


522.34
9.81
220.60
3307.12
1128.15


1946.42
694.41


782.64
0.48
10991.89
(27.12)
4021.97
6151.97
3900.22
3739.56
17813.71
(3.07)
28805.60
(11.09)
835.11
668.37
2.97

28.50
685.44
186.49
339.21
3402.04
1374.06


1914.88
803.36

113.76
823.92
30.14
12321.09
(12.09)
4295.85
6455.79
4077.89
4277.77
19107.31
(7.26)
31428.40
(9.11)
833.44
744.68
48.14

310.82
784.85
376.61
915.40
3295.06
1457.84

1.32
1979.65
913.11

416.93
853.80
189.28
13977.00
(13.44)
4645.99
7099.14
4854.67
5239.05
21838.85
(14.30)
35815.85
(13.96)
1520.40
813.00
114.66
0.13

553.90
967.99
600.16
1279.91
4251.87
1783.18
17.24
4.90
1655.43
1143.99
43.02
780.89
1173.09
299.10
17424.63
(24.67)
6245.17
8225.51
5569.88
6376.66
26417.21
(20.96)
43841.84
(22.41)
1950.05
885.47
282.69
25.53

884.00
1346.54
919.76
1839.46
5150.14
1975.24
143.40
14.79
1712.55
1479.79
250.14
1266.44
1641.57
404.58
22315.03
(28.07)
7815.69
10073.88
6194.60
8179.29
32263.46
(22.13)
54578.49
(24.49)
2576.85
1004.83
475.64
99.08

22.51

168.19

509.86

961.65

1227.55

1085.06

Note: Figures in the bracket represents the growth over the previous year in per cent.
– represents business not started.

ANNUAL REPORT 2011-12

195

BHARTI AXA
CHOLAMANDALAM
FUTURE GENERALI
HDFC ERGO
ICICI LOMBARD
IFFCO TOKIO
L&T GENERAL
RAHEJA QBE
RELIANCE
ROYAL SUNDARAM
SBI GENERAL
SHRIRAM
TATA AIG
UNIVERSAL SOMPO
PRIVATE SECTOR

2000-01

STATEMENT 45

SEGMENT WISE GROSS DIRECT PREMIUM INCOME OF NON-LIFE INSURERS (WITHIN INDIA)
(` Lakh)

Insurer/
Segments
BAJAJ ALLIANZ

Fire

Marine

2010-11

2011-12

2010-11

Motor

Health

2011-12

2010-11

2011-12

2010-11

Others

TOTAL

2011-12

2010-11

2011-12

2010-11

2011-12

28728

7898

8991

171407

195113

33970

42729

47340

53102

286996

328662

3881

4338

1,122

1,711

41,606

62,979

5,278

14,543

3503

4829

55390

88400

CHOLAMANDALAM

5681

7163

4367

5045

62359

88088

14814

22890

9579

11468

96799

134654

FUTURE GENERALI

5912

8407

3072

3953

31933

53486

13331

17599

5768

8531

60016

91976

HDFC ERGO

18017

26754

4842

6090

42070

67104

32873

41150

30190

42849

127991

183946

ICICI LOMBARD

28346

30836

16637

19891

154496

213884

128130

143584

97578

106819

425187

515014

IFFCO TOKIO

18805

17520

12798

13062

96111

111235

17921

16244

32682

39463

178318

197524

L&T GENERAL

246

1331

43

603

1,095

9,400

60

828

281

2178

1724

14340

RAHEJA QBE

25

54

3

3

24

34

437

1388

490

1479

10627

11633

2300

4049

107487

113500

25428

22528

19701

19545

165543

171255

ROYAL SUNDARAM

4583

5107

2520

3152

79303

106696

17910

23114

10082

9911

114399

147979

SBI GENERAL

2310

15803

17

184

7

3,484

12

374

1956

5169

4302

25014

442

776

93

190

76,830

124,747

723

930

78089

126644

15929

19026

15363

18901

42147

76044

11071

13769

32799

36417

117309

164157

5585

7728

597

890

16,344

21,540

2,349

3,574

5035

6727

29910

40458

146770

185202

71673

86714

923219

1247335

303148

362924

297653

349327

1742463

2231503

NATIONAL

57079

68002

30457

34959

276720

361829

168130

207960

89687

106319

622072

779069

NEW INDIA

104926

115081

54956

60642

230338

304039

200337

234917

119157

139607

709714

854287

ORIENTAL

66205

77438

44638

48332

174595

215079

151603

148747

108693

115193

545733

604789

UNITED

80533

97247

50153

56811

212400

295583

171176

223181

123405

145107

637666

817929

PUBLIC TOTAL

308742

357768

180203

200745

894053

1176530

691246

814806

440941

506226

2515185

3056074

GRAND TOTAL

455512

542971

251876

287459

1817272

2423864

994393

1177730

738594

855553

4257647

5287577

RELIANCE

196

SHRIRAM
TATA AIG
UNIVERSAL SOMPO
PRIVATE TOTAL

ANNUAL REPORT 2011-12

26381

BHARTI AXA

5035
2004
11287
11314
1949
1401

IFFCO-TOKIO

TATA AIG

ICICI LOMBARD

BAJAJ ALLIANZ

CHOLAMANDALAM

HDFC ERGO

197
295486

GRAND TOTAL

45291

UNITED
254047

44827

ORIENTAL

PUBLIC TOTAL

121247

NEW INDIA

(22)

L&T GENERAL

42681

(151)

SBI GENERAL

NATIONAL

(94)

RAHEJA QBE

41440

632

BHARTI AXA

PRIVATE TOTAL

218

2244

SHRIRAM

UNIVERSAL SOMPO

967

3075

RELIANCE

FUTURE GENERALI

1581

2010-11

Fire

ROYAL SUNDARAM

Insurer

347559

300376

58441

51432

137897

52606

47183

143

680

49

521

241

2914

1355

2708

2893

13021

11459

1858

5131

3023

1188

2011-12

112683

84351

24521

22697

22899

14234

28333

(24)

(18)

(26)

334

9

81

525

777

1223

5728

4248

9193

3882

1256

1144

2010-11

135968

99536

26173

25455

30253

17655

36432

172

(19)

6

430

21

197

1108

1502

1418

6128

5389

13838

4010

987

1244

2011-12

Marine

1527063

789024

175542

155012

231193

227277

738039

91

(78)

10

25609

32552

12245

23053

35225

43502

147636

143004

34086

78403

99436

63264

2010-11

1965856

1002477

225562

184789

294035

298092

963378

3687

2173

113

45030

53702

15359

35779

53592

59031

170298

190185

63851

98012

88021

84545

2011-12

Motor

773829

545725

133453

117915

161242

133115

228103

16

1

3847

1912

6518

15474

10806

29199

99415

9270

14638

20696

16313

2010-11

946344

680384

192361

129914

197465

160644

265960

402

243

9345

2554

10554

19621

17297

35626

109915

9839

12613

19437

18515

2011-12

Health

SEGMENT WISE NET PREMIUM INCOME (EARNED)

454412

346833

85956

91038

110751

59088

107579

(33)

(7)

(65)

1148

224

2793

1849

7759

5257

21088

27663

18116

11552

4917

5317

2010-11

543033

410068

106186

97717

127809

78356

132965

485

384

625

1136

322

3629

3337

14025

6274

22396

37952

19045

13501

4841

5012

2011-12

Others

3163473

2019980

464763

431490

647332

476395

1143493

28

(253)

(175)

31570

33003

19275

32912

60636

62737

214965

285616

72669

113510

129380

87619

2010-11

3938760

2492842

608724

489306

787459

607353

1445919

4889

3461

794

56463

54286

24654

52133

91447

86913

247468

354900

108432

133268

116309

110503

2011-12

TOTAL

(` Lakh)

STATEMENT 46

ANNUAL REPORT 2011-12

00 59.75 0.78 2.00 0.00 0.74 50.00 161.00 1493.37 4375485 129.69 113.62 0.32 21.96 No.01 1450661 166.00 1156004 270.55 235.70 221.28 191.73 2232.53 627. of Premium policies Persons Covered Individual Insurance excluding Family /Floater Policies 777.00 29.00 175.00 84.00 0.66 2072.21 5424172 507. of policies Persons Covered Total 1242 76432 78073 215 3119 82921 25377 17725 12264 27555 1055.28 2075881 41.08 10. of No.66 0.00 55.08 7.00 1113.12 8020.34 0.39 0.21 22.00 39.86 130.75 200.66 231.64 790.00 454.22 0.00 1060708 1015.00 1278707 295.36 1089842 18961 526 33 244 13390 3025 3299 4337 2729 5571 5 61 0 0 365 48 0 0 3073 286 276 18 41 8 588 55988 82099 0 9 262614 112203 0 421 10628 383555 436971 19489 32652 14410 327090 285 3288 0 4 6274 3126 0 196 19997 26713 1162 245 10887 515 1376 No.99 4. of persons in '000) (Premium in ` Crore) HEALTH INSURANCE (OTHER THAN TRAVEL-DOMESTIC/OVERSEAS & PERSONAL ACCIDENT): GROSS PREMIUM AND NUMBER OF PERSONS COVERED (2011-12) STATEMENT 47 ANNUAL REPORT 2011-12 .93 145.74 0.29 35.00 202.61 1530632 615.81 8249898 238395 13041.06 395.04 9. of No.26 1009923 24.91 1135854 19.07 8.38 1252.22 3.14 189. of Premium policies Persons Covered No. of No. of Premium policies Persons Covered Family/Floater Insurance excluding Individual Policies 810.39 48.76 6048466 273. of Premium policies Persons Covered 0 Group Insurance Schemes excluding Govt Sponsored Schemes Government Sponsored Schemes BAJAJ ALLIANZ Insurer (No.16 58.00 0.00 0.42 No.39 0.46 0.31 1448.54 471.63 9. of No. of No.66 47.39 1672981 15.36 4176.00 20.19 0.60 1554125 1025.43 367.60 2825726 155474 0.00 0.45 102.28 99.74 144.00 7.07 5020.15 17.198 0 3 1 ORIENTAL UNITED INDIA * Not recorded due to coinsurance 14 70000 GRAND TOTAL 0 662 STAR HEALTH MAX BUPA APOLLO MUNICH PRIVATE HEALTH INSURERS 69057 6341 NEW INDIA PUBLIC TOTAL 62712 NATIONAL 943 UNIVERSAL SOMPO PRIVATE TOTAL 0 15 0 SBI GENERAL TATA AIG 7 ROYAL SUNDARAM SHRIRAM 0 8 RELIANCE 0 L&T GENERAL RAHEJA QBE 71 134 IFFCO TOKIO 0 HDFC ERGO ICICI LOMBARD 0 FUTURE GENERALI 32 * CHOLAMANDALAM MS BHARTI AXA 165565 75327 0 1971 45498 15018 12231 2752 15496 120067 0 3151 0 0 4080 1078 0 0 427 23839 0 0 10194 * 0 2197.57 0.00 31.17 582.00 753.17 60.46 111.40 0.50 1057.54 2433.88 21719 1977 113 284 2444 334 800 238 1072 19274 130 76 0 0 92 340 0 1 15398 300 251 25 170 13 105 2500 60920 0 0 214143 17739 0 190 3073 271079 327925 11473 25477 7537 273442 678978 146 423273 34064 1397.55 232.00 104.00 0.74 0.78 119.82 112.26 6.00 0.15 53.32 4.74 11.84 228.00 137.00 0.01 0.19 Premium 3458.00 2223.00 40.82 No.02 158.00 55552 4121 216 344 39603 14220 6628 5275 13480 15949 165 0 0 9 505 658 0 31 726 2002 422 529 1311 2447 2463 32150 242 69 621 21589 7000 1394 4937 8258 10561 150 0 0 4 1737 1660 0 195 1099 2289 634 202 482 494 683 53323 21164 0 0 47959 93798 0 200 6695 110403 108624 7487 5832 4426 51185 582515 42152 91 940027 108482 375099 68355 388091 5987.41 9.23 1406.87 135.58 620.00 8.37 0.78 344.

56 0.24 1410674 115. of No.45 4453701 466.98 1114634 546.00 0.00 0.04 179.65 13.37 1681..20 0.53 46.53 No.51 174.85 0.00 0.42 Total 253541 129038 47 897 67263 23190 11945 8164 23963 186278 187 804 0 0 3466 908 0 0 1744 18320 1516 346 6781 21203 1022 No.00 14.46 1613.22 0 0 176.32 14.00 27.00 0.36 59.17 511.54 2.28 3591.87 5022729 172.10 0.18 468.47 149.16 0.Contd.57 3546439 85.16 49. of Premium policies Persons Covered 0 Group Insurance Schemes excluding Govt Sponsored Schemes Government Sponsored Schemes BAJAJ ALLIANZ Insurer 11030.00 0.36 116.54 36.98 150.35 0.28 1008.29 4341.30 1476290 9.00 56231 3436 12 235 38661 11246 5888 3976 17551 17570 92 0 0 0 409 814 0 0 898 2178 235 762 4437 1321 2741 22618 140 1 407 17511 5429 2736 3213 6133 5107 81 0 0 0 112 908 0 0 0 1424 934 312 125 264 399 449136 10560 47 774681 70821 333229 53266 317365 962293 41478 16007 0 0 58498 115389 0 0 8101 122561 70027 4101 2927 3918 59543 16348 1524 27 147 2005 189 746 168 902 14343 103 72 0 0 61 0 0 19 321 165 16 8 11795 86 1425 91321 0 0 280342 20442 0 0 1725 162717 263718 8140 10555 9144 252347 984241 904015 603188 354501 19794 119 993.47 985.55 2.35 2.76 1292.45 54.41 2.40 40.00 0.23 150.00 4. of No.28 132.00 60.00 0.58 39.93 20.15 No.00 185. of No.78 299. of Premium policies Persons Covered No.16 1054995 151.89 12.67 Premium (No. 0 5 STAR HEALTH 164 MAX BUPA APOLLO MUNICH PRIVATE HEALTH INSURERS 93920 2397 PUBLIC TOTAL 91517 NEW INDIA 321 NATIONAL PRIVATE TOTAL 641 6 0 TATA AIG UNIVERSAL SOMPO 189067 126933 0 159 35352 14520 5389 1030 14413 153715 0 0 0 SHRIRAM 0 0 2774 0 0 0 0 16403 179 0 6626 SBI GENERAL 31 39 IFFCO TOKIO ROYAL SUNDARAM 46 6 HDFC ERGO ICICI LOMBARD 0 FUTURE GENERALI 24 * CHOLAMANDALAM MS BHARTI AXA 0 2198.81 942308 915. of persons in '000) (Premium in ` Crore) HEALTH INSURANCE (OTHER THAN TRAVEL-DOMESTIC/OVERSEAS & PERSONAL ACCIDENT): GROSS PREMIUM AND NUMBER OF PERSONS COVERED (2010-11) ANNUAL REPORT 2011-12 .50 0.77 13.41 25508 441 19 184 12395 3052 3075 3753 2515 13113 2 91 0 0 519 0 0 0 1725 173 238 18 22 9144 536 42995 107334 0 0 339280 136645 0 0 10763 287502 333986 13003 17943 14383 314631 986085 807078 30366 565 2886.00 1711.99 No.74 148.50 1199.02 78..74 1281.05 2456474 0.33 0.75 91.10 217.18 0.00 98.67 0 0 179.00 0.00 0. of No.18 1360.00 18.71 11.88 2044. of Premium policies Persons Covered Family/Floater Insurance excluding Individual Policies 4952.50 23. of Premium policies Persons Covered Individual Insurance excluding Family /Floater Policies 525.86 34. of No.01 888.00 0.33 96.23 2.00 47.87 584.00 5.00 14.12 1736974 31.38 0.21 6689. STATEMENT 47 0 0 0 L&T GENERAL RAHEJA QBE RELIANCE 199 * 3 3 ORIENTAL UNITED INDIA 94241 GRAND TOTAL * Not recorded due to coinsurance.00 815. of policies Persons Covered 842.89 8.61 0.68 0.50 6910175 106.95 176.88 32.46 266.22 200.69 25.00 94.58 2003.30 320.14 52.68 88.38 0.00 38.00 85.10 134.01 783.56 0.17 473.

00 0.61 656.10 2014619 21.46 0.00 No. of Premium Persons Covered Family/Floater Insurance excluding Individual Policies 125534 87538 79917 1230 2286 4105 37996 637 10025 837 72 0 1645 0 24 0 315 101 5264 6248 6363 1699 3261 521 984 1406.82 58.00 0.00 0.98 37.63 7.54 46.00 19.00 0.06 1497092 0.00 0.00 546682 644904 13436 292070 146.00 0.40 0.00 0.34 0.32 0.87 1.96 188. of policies 111110 83277 78498 551 984 3245 27833 629 9934 600 64 0 1550 * 24 0 303 25 3487 4661 1410 1681 3254 9 201 759. of policies 0.63 114.70 44.00 0.00 0.85 13.50 0.93 0.35 26.00 0.06 30.97 17.63 3.98 157.00 0.99 187. of Premium Persons Covered * Not recorded due to coinsurance.64 0.00 1.00 66.00 0.29 0.50 0.00 17. of Premium Persons Covered Group Insurance Schemes excluding Govt Sponsored Schemes 705168 250850 0 250850 0 454318 0 11966 0 16 0 0 0 0 0 0 0 0 442336 0 0 0 0 0 No.88 2.38 111.00 0.36 86.62 25.79 26.00 0. of Premium Persons Covered Individual Insurance excluding Family /Floater Policies 80.00 0.00 0.88 No.48 16.31 0.48 102.61 0.88 3819093 66.24 46.71 19. of policies 9128 96769 226812 7379 0 109470 23053 183 0 7192 43708 656742 606595 848268 13783 545973 447.88 163.53 0.200 540 GRAND TOTAL 7729 1712 613 640 459 0 6018 0 0 0 0 0 0 0 0 0 0 0 1123 0 4895 0 0 0 0 52.81 45.34 11.00 22.00 37.37 2.09 46. of persons in '000) (Premium in ` crore) PERSONAL ACCIDENT INSURANCE PREMIUM AND NUMBER OF PERSONS COVERED (2011-12) ANNUAL REPORT 2011-12 .00 58.00 0.52 0.00 0.65 4.02 No.78 0. of Premium Persons Covered Total (No.48 45.22 749.74 334.57 26.12 1.15 21.85 0.25 424.61 138.13 1141077 7.58 31.75 24.68 2925510 2.00 0. of policies 1556 552 0 552 0 1004 0 57 0 0 0 0 0 0 0 0 0 0 947 0 0 0 0 0 8612 34244 217440 7178 0 86522 20277 11 0 7174 32962 653979 663861 56495 14462 6428 511582 774 No.00 No.28 2.00 0.30 47.00 0.82 2322001 0.23 169.27 0.92 3.84 20.00 1.00 0. of policies Government Sponsored Schemes APOLLO MUNICH Insurer STATEMENT 48 415328 266145 203363 331 2538 59913 149183 516 50559 9372 185 0 22948 2776 172 0 18 10746 2757 34880 1548 5482 2719 4304 200 No. 532 1 PUBLIC TOTAL UNITED INDIA 16 8 PRIVATE TOTAL ORIENTAL 0 UNIVERSAL SOMPO 0 0 TATA AIG 515 0 STAR HEALTH NEW INDIA 0 SHRIRAM GENERAL NATIONAL 0 SBI GENERAL 0 MAX BUPA 0 0 L&T GENERAL ROYAL SUNDARAM 0 IFFCO TOKIO 0 6 ICICI LOMBARD 0 0 HDFC ERGO RELIANCE 2 FUTURE GENERALI RAHEJA QBE 0 0 CHOLAMANDALAM MS 0 BAJAJ ALLIANZ BHARTI AXA 0 No.78 4940129 121.05 9.69 20.00 0.00 0.00 7.48 326.05 130.63 1.90 No.00 0.06 5138 1997 806 39 292 860 3140 8 34 236 7 0 95 0 0 0 12 76 654 640 58 18 6 512 783 58045 19944 9147 515886 974 No.53 141.91 27.79 27.00 0.00 0.00 6.00 0.25 51.00 0.

08 1170158 5.00 0.49 131. of policies 6945 125764 292247 16107 0 409098 54067 24 0 6 52727 361827 544827 837633 39887 559239 397.00 59.66 0. of Premium Persons Covered Individual Insurance excluding Family /Floater Policies 26.03 No.59 0. of Premium Persons Covered Total (No.19 3.28 15.00 0.01 0.74 3050705 1.88 12.74 6.29 0.52 0.84 1981586 20.34 602.60 61.00 0.86 0.00 8.07 296.201 612 620 GRAND TOTAL 0 PUBLIC TOTAL UNITED INDIA 27 8 PRIVATE TOTAL ORIENTAL 0 UNIVERSAL SOMPO 0 0 TATA AIG 585 1 STAR HEALTH NEW INDIA 0 SHRIRAM GENERAL NATIONAL 0 SBI GENERAL 0 MAX BUPA 0 0 L&T GENERAL ROYAL SUNDARAM 0 IFFCO TOKIO 0 5 ICICI LOMBARD 0 0 HDFC ERGO RELIANCE 2 FUTURE GENERALI RAHEJA QBE 0 0 CHOLAMANDALAM MS 0 BAJAJ ALLIANZ BHARTI AXA 0 No.00 42.52 0.00 3.06 49.00 506686 636948 39586 295543 85.00 0.00 0.00 No.00 0.00 20.75 3969931 59. of policies 0.90 31.STATEMENT 48 729715 241331 200685 274 2231 38141 488384 173 70225 8323 60 0 24401 6356 12 0 6 9785 2916 350917 983 7435 2080 4542 170 No.58 5032291 100.04 7209 1942 796 14 296 836 5268 2078 39 302 16 0 402 0 0 0 0 99 359 798 48 17 11 479 620 41272 23319 12756 483598 790 No.00 0.80 0.00 0.70 28.71 379. of policies 101696 75457 70842 456 956 3203 26239 229 12107 174 80 0 1766 0 164 0 16 23 3322 3548 522 1163 2945 10 172 654.00 0.57 44.00 52.29 0.60 No.39 1. of Premium Persons Covered Government Sponsored Schemes APOLLO MUNICH Insurer Contd….66 48. of Premium Persons Covered Group Insurance Schemes excluding Govt Sponsored Schemes 332025 260880 0 0 260880 0 71145 0 16603 0 90 0 0 0 0 0 0 0 0 54452 0 0 0 0 0 No.00 21.61 30.08 26.89 9.00 0.53 129.36 15.00 0.41 0.22 608.86 42.39 125.00 0.46 122.99 9.83 0.00 9.10 28.00 0.17 28.68 15.00 No.76 14.00 6.04 1478763 0.15 274.00 0.00 0.28 16.00 0.00 0.31 62.55 103.00 0.05 173.00 0.00 0.07 17.16 18.71 2491168 0.00 1.57 1.00 0.09 30.76 151.00 18.62 No.00 0.00 1.33 39.00 0.00 0.10 26. of policies 894 652 0 0 652 0 242 0 68 0 0 0 0 0 0 0 0 0 0 174 0 0 0 0 0 6772 38936 283923 15957 0 384697 47711 12 0 0 42942 358906 764789 40287 15884 10676 479056 620 No.23 94.60 0.30 0.54 0.85 0.00 0.47 2.00 0.00 0.25 8.57 116.55 0.24 0. of Premium Persons Covered Family/Floater Insurance excluding Individual Policies 141774 79685 71638 1550 2458 4040 62088 2307 12213 25476 96 0 2168 0 164 0 16 121 4125 4520 5465 1180 2955 489 792 1210.00 0.03 32.95 1.89 2.33 17.15 172.97 94.51 0.00 1.74 0. of persons in '000) (Premium in ` crore) PERSONAL ACCIDENT INSURANCE PREMIUM AND NUMBER OF PERSONS COVERED (2010-11) ANNUAL REPORT 2011-12 . of policies 31974 1635 0 1080 555 0 30339 0 0 25000 0 0 0 0 0 0 0 0 444 0 4895 0 0 0 0 72.

Corporate Agents Banks Brokers Referral Arrangements Direct Business Others Total (Premium in ` Crore) (Policies in '000) 202 52396 GRAND TOTAL 0 Credit Insurance 3558 319 Crop Insurance Miscellaneous 422 Overseas Medical Insurance 2919 Personal Accident 8235 269 Liability Insurance Medical Insurance 8867 24797 232 0 38 975 1762 20917 1221 8 52 82 4098 347 287 5411 6727 566 6 105 588 1420 1986 210 0 8 106 189 206 9 365 720 2 0 0 10 159 1239 102 0 5 19 271 92 7 198 417 18 0 7 10 93 7076 1614 0 6 31 1242 1497 2 107 1089 18 0 1 20 1448 3273 398 5 1 13 693 311 18 367 640 42 4 3 46 732 5392 133 0 8 302 382 279 25 374 3539 51 1 3 144 152 9921 409 53 24 35 2778 250 466 1080 1884 773 150 128 615 1276 371 89 0 0 0 15 7 1 10 162 8 0 0 1 78 192 20 0 0 0 8 3 1 35 89 4 0 0 2 29 21775 972 12 87 1636 854 1142 21 4694 11780 41 1 7 158 370 18556 1171 1020 75 171 4783 346 236 2383 4038 846 316 732 568 1871 3312 92 0 856 18 423 171 1 286 1431 3 0 0 6 24 3865 101 3 2710 5 332 17 9 255 283 36 9 25 20 59 92308 6668 12 1284 2516 11341 6222 328 14704 43518 355 3 49 1313 3993 57964 3423 1089 2867 324 12963 1366 1024 9729 14078 2284 487 999 1850 5480 Policies Premium Policies Premium Policies Premium Policies Premium Policies Premium Policies Premium Policies Premium Policies Premium Individual Agents Motor Third Party Motor Own Damage Engineering Aviation Marine (Hull) Marine (Cargo) Fire Type of Channel CHANNEL WISE GROSS DIRECT PREMIUM INCOME FOR 2011-12 STATEMENT 49 ANNUAL REPORT 2011-12 .

83 19534.13 10737.92 27.15 731.79 1372.58 10205.43 4458.90 227983.45 2051.90 0.42 3654.41 7774.00 29406.36 218.07 8854.04 29053.20 106014.31 2890.62 15429.94 12.92 72.04 6741.86 43688.09 56.48 5753.44 239.78 2189.49 1630.00 15.00 0.65 163652.50 9616.93 710.60 162469.54 1044.55 7242.04 12840.43 12753.11 665.15 50770.47 5797534.00 38518.79 41.74 42237.30 18690.35 12768.26 176.60 24. OD-Own Damage 547626.91 585.10 4407.13 166.86 Arunachal Pradesh Fire Andhra Pradesh State/Union Territory 48362.09 60987.79 Orissa Sikkim 426.70 11349.99 20766.66 614.83 365.17 7821.37 Puducherry Total 480.68 2268.05 10384.05 1139.43 1158.04 115.60 18.76 0.80 27490.41 207.02 22249.42 12271.84 Goa Jharkhand 3414.44 121017.61 19216.10 292773.87 1868.30 131.44 4764.17 1203.69 Dadra & Nagra Haveli Delhi 589.64 556.49 40.00 348.50 18.76 13402.64 316.05 Liability 326.66 127147.69 236.66 2100.77 66718.86 143.05 23675.14 6.30 28.38 225.76 3888.33 2213.01 11279.00 0.00 0.15 254.93 Health 101.47 587.24 314.78 1447.63 1623.82 1.62 406772.41 2272.21 4397.53 100.49 Uttar Pradesh Tripura Tamil Nadu 140.03 362.63 110342.63 944.71 6.46 1721.97 124224.03 60.90 249.26 73936.70 9546.59 799.21 0.00 525.16 47661.94 42504.93 55.81 7782.24 7269.61 51757.47 3876.16 98.64 145.85 72117.30 16144.46 33.77 144207.43 184522.75 996.95 7911.05 1079.22 42.25 Nagaland Meghalaya Mizoram 133.72 13354.31 106739.05 1996.56 0.61 0.60 1196.17 494.17 2041.49 1.00 0.30 Madhya Pradesh 203 19021.15 496.23 42873.75 12047.48 5514.13 193.91 55.70 49841.99 105.49 76.48 5857.82 10071.13 25069.93 759. 21000.00 0.34 2037.97 Total (` Lakh) STATEMENT 50 Overseas Crop Credit Miscellaneous Mediclaim Insurance Insurance STATE-WISE GROSS DIRECT PREMIUM INCOME FOR 2011-12 ANNUAL REPORT 2011-12 .27 835.83 106121.01 455.55 229419.82 47805.32 0.09 897.87 29246.14 472.98 66.32 28506.37 799.29 875.98 6253.53 12.86 1337149.81 641.75 432714.28 2.42 1865.86 291.21 5178.00 0.05 324.15 4.68 1882.48 3216.29 2288.25 929.24 467.13 1258.62 309.74 Haryana Karnataka 56117.01 0.72 1962.58 66609.56 4249.83 61.00 2971.17 620.58 Himachal Pradesh 37087.54 238872.68 77.93 104907.22 88.57 25023.01 34880.15 2939.81 2411.43 5.34 2.05 2464.05 35.60 -5.61 3892.12 0.23 53250.02 1978.65 119.59 24136.47 5.83 19.00 5430.77 847.00 35.80 7639.93 7408.39 0.58 57698.92 2587.68 45128.86 478.00 1736.94 4.55 171.00 0.26 690.22 0.55 108917.77 2509.75 3906.00 0.21 19383.88 2451.00 4415.31 167.82 257.92 1032.85 386.24 54.67 1950.55 72509.13 0.46 4169.92 54464.00 0.31 7.83 1364.86 8329.81 21.59 0.77 9.13 161.26 1599.76 56760.72 2658.07 127713.00 Personal Accident 1403802.70 1659.84 129.57 99593.86 412.10 7309.77 10449.10 14659.42 368207.18 1142.38 16464.27 0.32 350.37 220686.65 12908.91 11319.72 1556.00 0.73 4678.83 9484.01 5953.50 367.39 31888.15 1278.16 295.57 Marine Hull Note: TP-Third Party.63 32.76 512605.05 79763.81 2628.00 3.63 13.11 1270.40 2.55 134.03 679.69 62467.05 Aviation Engineering 41573.74 5873.50 0.99 11803.00 15013.40 1047.56 286715.12 Chhattisgarh 5716.74 16843.48 Gujarat 2635.52 2273.87 Lakshadweep 43786.19 67017.45 11029.23 425.55 1.40 7216.00 5373.96 18.50 4271.12 0.33 West Bengal Chandigarh 3765.97 768.63 770.24 31.65 1557.43 0.42 503.64 10620.16 22399.98 40502.05 4211.27 1951.50 Manipur 166012.11 133.94 56.59 2403.38 17745.99 2986.68 4370.23 3728.76 237.94 3.63 6319.63 48947.25 4162.04 Punjab Rajasthan 337.02 68544.43 1772.35 5925.00 0.71 22.11 1521.70 18.07 5722.57 259.08 0.01 10344.20 37.25 4030.85 15201.54 13379.76 467.9798.71 22388.00 566.45 32293.94 92361.06 3103.44 7526.22 24323.77 20.81 0.20 2172.00 0.24 92.97 1291.70 78556.51 7788.82 30.50 84.95 296.42 172.46 3651.21 27903.67 0.53 7.07 13091.90 21.42 1.07 15758.31 38.01 94883.35 8573.00 3757.58 6908.01 2490.82 10576.27 5109.11 15315.82 2499.00 0.10 3986.59 3798.46 3286.32 12946.06 20.60 68.38 117786.43 813.99 341574.00 1251.05 0.69 7175.00 5.43 40766.80 2779.64 24.67 150.20 57273.00 14275.76 2640.80 4810.15 0.89 57.16 Uttrakhand Andaman & Nicobar Is.08 35.45 2244.36 26048.61 136592.33 977.39 27425.30 2612.51 32420.63 193.14 659.10 438022.73 Daman & Diu 1137.48 214.46 2285.20 534.24 11048.00 543.75 4988.34 440.54 15898.29 133.63 84.00 109.93 13070.51 2946.30 6067.48 50047.59 468.36 0.79 22376.63 39863.65 60447.56 100015.76 20202.71 37827.55 26407.62 3071.68 5883.08 10769.15 58.04 1936.49 9415.07 103.30 3753.86 Bihar Jammu & Kashmir 4251.73 0.38 3764.32 Assam 4244.15 2012.37 14124.03 2614.12 32956.00 36.39 Motor OD 1296282.80 Kerala Maharashtra 27672.24 8349.20 1100.72 636.01 57.27 72.85 7274.72 0.49 374.43 230.26 3224.11 980452.34 5652.99 Marine Cargo 22.55 62712.42 977.00 7016.22 10266.28 1075.43 215.67 26009.39 1129.52 0.51 21.70 695.61 46.45 0.64 2699.54 1620.83 Motor TP 1059.59 0.47 102267.78 18042.93 420.71 4749.39 0.78 215874.00 2844.46 266266.22 6149.15 205.61 409867.41 1258.53 3582.50 23179.

36 94.19 462328 2010-11 83522 925751 227933 2224206 1959914 101.22 100.50 97.09 75.29 102.02 90.33 103.50 91.01 87.58 53.32 86.79 101.03 94.76 91.35 82.26 55.30253 25455 NEW INDIA 137897 197465 51432 129914 58441 192361 300376 680384 ORIENTAL UNITED TOTAL 78356 97717 225562 106186 184789 294035 127809 298092 608724 489306 787459 607353 Motor Others 2011-12 464763 431490 44188 187902 51582 133585 56850 48009 75308 47766 538694 445353 708753 531407 97.22 88.24 82.68 406536 100.92 60.54 49.61 97.43 100.80 97.13 58.96 89.05 Fire Health Marine Motor Others 2011-12 2010-11 652487 120.91 92.28 21669 228084 20447 191730 27764 247928 13641 258009 Motor Others 2011-12 Claims Incurred (Net) (` Lakh) Health Marine 43175 168816 Fire 647332 165735 192018 476395 2010-11 99536 1002477 410068 2492842 2019980 304680 682321 26173 17655 Fire Health Marine Net Earned Premium (` Lakh) 52606 160644 NATIONAL Insurer INCURRED CLAIMS RATIO: PUBLIC SECTOR NON-LIFE INSURERS ANNUAL REPORT 2011-12 204 .12 80.77 77.83 438564 Incurred Claims Ratio (%) STATEMENT 51 84.55 83.07 105.

07 112.24 70.81 69.86 85.21 27.23 47.50 59.70 86.71 73.32 81.21 78.20 69.65 75.96 99.06 47.39 104.25 139.99 110.74) 78.79 86.04 868.77 0 183.10 Motor Health Others 2011-12 2010-11 Incurred Claims Ratio (Per cent) STATEMENT 52 ANNUAL REPORT 2011-12 .40 152.08 181.22 88.12 Fire Marine INCURRED CLAIMS RATIO: PRIVATE SECTOR NON-LIFE INSURERS 97.57 101.89 77.20 25.205 1858 2914 47183 TATA AIG UNIVERSAL SOMPO TOTAL 53592 35779 59031 45030 19621 10554 17297 9345 35626 15359 63851 53702 2173 84545 88021 113 3687 98012 2554 9839 0 243 18515 19437 0 402 12613 91447 52133 86913 56463 60636 32912 62737 31570 794 4889 (175) 28 54286 3461 3629 24654 19045 108432 322 384 5012 110503 19275 72669 33003 (253) 87619 4841 116309 129380 625 485 13501 133268 113510 37952 354900 285616 14025 3337 6274 1136 22396 247468 214965 36432 963378 265960 132965 1445919 1143493 197 13838 21 (19) 1244 987 6 172 4010 5389 190185 109915 1502 1108 1418 430 6128 170298 Motor Health Others 2011-12 2010-11 Net Earned Premium (` Lakh) Note: Figures in brackets indicate negative values.26 (222.58 76.44 66.51 80.82 50.61 84.83 116.90 88.14 77.32 92.69 163. 241 49 RAHEJA QBE SHRIRAM 143 L&T GENERAL 680 5131 IFFCO TOKIO SBI GENERAL 11459 ICICI LOMBARD 1188 2708 HDFC ERGO ROYAL SUNDARAM 1355 FUTURE GENERALI 3023 2893 CHOLAMANDALAM RELIANCE 521 13021 Fire Marine BHARTI AXA BAJAJ ALLIANZ INSURER 31641 1384 1109 163 1230 563 2643 32 134 3859 9049 1620 1573 1573 443 6265 53111 28020 48192 39034 173 4091 97682 16191 64365 37486 3171 74259 2620 4885 0 298 9417 16672 0 737 10821 94739 13250 9032 13234 7517 29899 939890 206920 222 11219 35 24 279 1029 101579 12 240 3815 5157 224565 2458 839 1102 244 23697 76643 40973 65818 47507 50988 27902 48578 27596 417 5736 183 245 99046 21876 86383 37836 4993 86559 14216 54311 25508 564 66022 67229 1275579 991490 1459 4805 152 268 2042 4664 126587 133138 200 534 7189 123367 26580 360091 273064 6203 1508 1716 270 9639 190795 170127 Motor Health Others 2011-12 2010-11 3223 147970 Fire Marine Claims Incurred (Net) (` Lakh) 22.59 49.56 95.30 195.05 54.15 95.29 144.36 23.43 87.37 93.10 48.65 0 122.73 84.56 40.47) 117.73 79.33 108.35 31.43 65.55 110.84 52.75 77.53 (104.64 87.68 67.59 75.97 59.72 56.23 45.14 75.80 145.08 99.05 (126.93 87.36 81.41 79.82 82.74 43.73 96.64 52.42 100.26 95.67 69.46 83.37 85.10 78.83 115.64 86.81 78.60 67.23 75.39 87.60) 47.85 40.53 85.68 86.13 53.40 85.56 105.75 74.08 171.35 102.19 67.80 102.66 118.78 77.09 84.52 50.74 77.04 44.

43% 29668 40.72% 652487 719223 2010-11 17932 2315 15617 (382) 233475 -27.44% -32.30% 185844 88.78% COMMISSION.61% (156222) 87932 62576 27.33% (173493) 9.77% 296182 80.18% 2224206 2774023 2011-12 TOTAL (` Lakh) STATEMENT 53 ANNUAL REPORT 2011-12 .53% 815015 87.36% 192298 79.22% 89662 33.37% (754950) 9.09% (122268) 10.79% 182142 (118052) 12.21% 69229 28.60% GROSS INVESTMENT INCOME UNDERWRITING PROFIT/LOSS INCREASE IN RESERVE FOR UNEXPIRED RISK 193999 170289 76. 7540 PROFIT BEFORE TAX (18381) OTHER INCOME LESS OTHER OUTGO 32521 (585) 33106 (20229) 171387 -19.85% 1959914 2231046 2010-11 115248 (18171) 133419 (27268) 742426 -23.65% 11.04% 259190 90.43% 85.90% 31.56% 34359 32.00% 71891 36.05% 445353 523665 2011-12 ORIENTAL 13054 (28) 13083 (695) 187271 -37.84% (264344) 10. EXPENSES OF MANAGEMENT 531406 462328 INCURRED CLAIMS (NET) 695285 2011-12 538971 2010-11 NATIONAL NET PREMIUM PARTICULARS (42156) (1019) (41137) (11943) 235151 -40.62% (217476) 10.16% 406536 461158 2010-11 26116 (11652) 37768 748 160963 -25.71% 438564 511694 2010-11 38679 (8249) 46928 (7405) 176601 -20.17% 46931 39.03% 199692 85.14% 281182 30.29% (160891) 6.46% 211066 36.46% 538694 677952 2011-12 UNITED UNDERWRITING EXPERIENCE AND PROFITS OF PUBLIC SECTOR COMPANIES (16151) (13678) (2473) (31744) 784220 -37.33% (123943) 6.206 (51) 7489 INCOME TAX DEDUCTED AT SOURCE AND PROVISION FOR TAX NET PROFIT AFTER TAX Note: Figures in brackets indicate negative values.80% 708753 877121 2011-12 NEW INDIA 5462 (12579) 18041 (725) 179656 -37.65% 850375 80.34% (581739) 10.06% 167897 85.

33% (20117) 27.08% 28017 (18021) 8.49% (20431) 21.49% 27596 43468 2010-11 (13945) 5 (13950) 2318 4163 -23.77% 16878 24.16% 23433 63.69% 9949 31.85% 76643 116388 2011-12 HDFC ERGO (` Lakh) STATEMENT 54 ANNUAL REPORT 2011-12 .42% 24091 63.28% 12164 29.20% 6. EXPENSES OF MANAGEMENT 190795 170127 CLAIMS INCURRED (NET) 269567 2011-12 231050 2010-11 BAJAJ ALLIANZ NET PREMIUM Particulars (17035) (5) (17030) 759 2328 -36.30% (8974) 13.16% 24625 65.22% 40973 64807 2011-12 FUTURE GENERALI UNDERWRITING EXPERIENCE AND PROFITS OF PRIVATE SECTOR COMPANIES (3643) (3643) (2438) 8204 -9.54% (12272) 19.57% (8314) 12.53% 7484 44. NET PROFIT AFTER TAX (1864) 6191 PROFIT BEFORE TAX INCOME TAX DEDUCTED AT SOURCE AND PROVISION FOR TAX 1984 12365 (7034) 19399 1995 35425 -7.83% 48578 72686 2010-11 1912 363 1549 6 9857 -9.95% (9820) 21.58% 19056 65.63% COMMISSION.71% OTHER INCOME LESS OTHER OUTGO GROSS INVESTMENT INCOME UNDERWRITING PROFIT/LOSS INCREASE IN RESERVE FOR UNEXPIRED RISK 74694 68648 70.23% 47507 71728 2011-12 BHARTI AXA (2293) (34) (2259) 93 6622 -14.71% 29.78% 50988 77514 2010-11 (3970) (3970) (8006) 13857 -6.97% 29386 66.83% 23132 66.68% 29409 66.78% 73.97% (9408) 21.207 4327 Note: Figures in brackets indicate negative values.56% 12674 36.28% -11.37% 11897 55.07% 27902 40395 2010-11 (5145) (5145) (37) 7164 -23.96% (23810) 22099 16085 27.54% 17992 69.43% 65818 99077 2011-12 CHOLAMANDALAM MS (8952) (8952) 54 3977 -39.45% (12983) 18.43% 24941 21.28% 15265 40.

STATEMENT 54 ANNUAL REPORT 2011-12 .90% 183 (5) 2010-11 (10570) 47.89% 878 670.93% 42534 (727) (727) (141) 1237 580 3 577 (29) 1611 (31160) (184) (30976) (1901) 17118 (34320) (160) (34160) (1958) 20610 1040.68% 123367 142330 (6290) 96.75% 42436 (1005) (46193) 46.10% 5736 9388 2011-12 L&T GENERAL -17.37% 1382 (52812) 1.20% (86344) 13.65% 33375 79. NET PROFIT AFTER TAX INCOME TAX DEDUCTED AT SOURCE AND PROVISION FOR TAX PROFIT BEFORE TAX OTHER INCOME LESS OTHER OUTGO GROSS INVESTMENT INCOME UNDERWRITING PROFIT/LOSS INCREASE IN RESERVE FOR UNEXPIRED RISK 81154 87.50% -24.37% 9723 61.92% 417 1480 2011-12 RAHEJA QBE 103.16% -216.66% -18.37% 9062 23.01% 245 906 2010-11 (8034) 200 (8234) 1753 40009 (41633) (2111) (39521) (4855) 51677 (3270) 1667 (4937) 99 13875 (3180) 1483 (4663) 100 19393 (5932) (5932) (74) 432 1465 -3847..13% 171 133138 115480 2010-11 RELIANCE (` Lakh) 28.76% 2085 35.84% (49997) 55974 17702 19.67% -35.62% 5.13% -22335.62% Note: Figures in brackets indicate negative values.16% 115.38% -12.55% 6073 27.75% 20.41% (1823) -3583.02% -126.04% 686 93..33% -16.93% 34058 86.36% 11719 26.56% -30774.70% -45. EXPENSES OF MANAGEMENT IFFCO TOKIO 2010-11 2011-12 2010-11 2011-12 ICICI LOMBARD NET PREMIUM Particulars UNDERWRITING EXPERIENCE AND PROFITS OF PRIVATE SECTOR COMPANIES Contd.29% 106.09% 99046 125229 (24156) 6.03% 62549 360091 273064 CLAIMS INCURRED (NET) 410874 303318 COMMISSION.64% 90.92% 4499 (10596) (1) (10595) (1006) 980 126587 118394 2011-12 (13900) 36.208 (18911) 9.

95% 86383 130991 2011-12 TATA AIG (7357) 14. STATEMENT 54 ANNUAL REPORT 2011-12 .29% 37836 64906 2011-12 SHRIRAM (15058) (10955) (13597) 14406 612.84% -16. EXPENSES OF MANAGEMENT 49..53% 8.46% 12605 20.58% 26.36% 10621 21..47% 225159 28.88% 40446 65.50% -12.64% 33.94% -20.02% 12416 63.01% 391406 78.03% 14190 72.06% 8630 6965 37542 32553 GROSS INVESTMENT INCOME UNDERWRITING PROFIT/ LOSS INCREASE IN RESERVE FOR UNEXPIRED RISK COMMISSION.00% 14216 22566 2010-11 2010-11 2011-12 TOTAL 9.00% -435.41% 118742 31.17% -46.29% 5518 47.00% 14884 35.51% 21876 30172 1262235 1671077 2011-12 UNIVERSAL SOMPO (` Lakh) 6153 (3079) 9231 (185) 7151 (458) 1647 (2105) (583) 11441 (2858) 1647 (4505) (693) 14584 (5125) (73) (5051) (351) 2656 (7866) 736 (8602) (229) 3040 (12367) 208365 (8069) (85743) (112015) 256 (85999) (103946) (560) 153963 4.29% -20.19% 13526 31.59% 69.33% 991490 1275579 (11413) (239403) (299945) 18.63% 68.97% -38.22% 22560 30.58% 3291 55.08% 4993 16066 2011-12 2010-11 (12963) 17.09% 78.85% 14184 58.209 11. (2014) NET PROFIT AFTER TAX (1488) PROFIT BEFORE TAX (526) 18 OTHER INCOME LESS OTHER OUTGO INCOME TAX DEDUCTED AT SOURCE AND PROVISION FOR TAX 9450 (2682) (2682) (5) 5105 (9535) 11 (9546) 124 5388 1255 (571) 1826 172 3493 -5.97% 22 68 (46) 87 13465 Note: Figures in brackets indicate negative values.14% 470285 76.26% 1390 84.89% 9335 57.77% 31321 62.30% 3075.17% -17.82% 30.74% 2265 16.55% 13.15% 11685 -12.08% 25508 44688 (1840) (7783) 122.03% 54311 87553 2010-11 (18397) 17.30% 1137 564 66022 CLAIMS INCURRED (NET) 124909 2010-11 SBI GENERAL 86559 96250 2010-11 2011-12 ROYAL SUNDARAM NET PREMIUM Particulars UNDERWRITING EXPERIENCE AND PROFITS OF PRIVATE SECTOR COMPANIES Contd.

87 28164.3.62 2173.3.13 0.78 336.59 3.93 249.09 184.07 1.00 1167.90 181.94 60.27 1075.08 8.24 IFFCO TOKIO RELIANCE 376.19 80.91 158.05 31.99 2390.3.89 93.83 31.60 90.27 20.54 L&T GENERAL 634.49 54.90 327.47 74.01 340.44 4907.2012 31.2011 8447.67 1383.17 31768.39 35.16 527.74 95.07 2194.57 13269.48 0.30 88.30 71103.94 2586.00 0.2011 31.75 131.80 22165.84 SHRIRAM SBI GENERAL 358.55 1751.00 0.31 10471.88 248.57 683.71 4708.31 2328.23 61235.51 84.90 20.53 61.42 30.34 362.05 1028.48 31.41 563.00 0.68 293.25 601.95 93.00 114.69 120.00 31.2012 4403.40 27.2011 164.03 2776.00 44.51 625. 14061.57 8214.2012 Housing & Loans to State Government for Housing and FFE* ASSETS UNDER MANAGEMENT OF NON-LIFE INSURERS 3506.41 84.84 327.91 0.00 0.07 3512.50 404.71 129.48 223.41 8877.78 697.54 59.93 567.80 111.01 194.3.43 604.89 15198.40 347.34 FUTURE GENERALI 1150.18 2082.25 528.51 34.63 344.17 41.83 139.20 49.02 0.06 93.00 49.35 120.21 3768.09 1223.90 21284.18 1259.36 166.67 1.39 * FFE: Fire Fighting Equipments.19 1119.2011 31.24 56.40 1847.10 19.80 455.68 1571.92 PUBLIC TOTAL 4322.89 0.72 STAR HEALTH PRIVATE TOTAL 183.78 19.32 0.2011 Approved Investments 9867.99 192.3.41 1084.94 3.41 330.87 206.44 1405.09 1249.92 1229.99 4594.93 2428.69 511.19 191.28 19864.15 81.57 1613.2011 331.29 278.42 1185.57 1362.05 1654.01 154.52 1228.07 129.00 9.20 40.61 1181.76 120.00 57.09 967.28 60.00 65.31 3373.17 492.57 255.48 BHARTI AXA HDFC ERGO 77.3.08 1189.59 664.58 471.82 1138.15 0.14 8093.78 11247.34 0.90 163.75 332.96 14.68 ORIENTAL 3782.69 69.78 1466.2012 State Government & Other Approved Securities Central Government Securities APOLLO MUNICH Insurer 6973.23 139.09 190.24 0.75 8149.25 7263.07 81.06 31.01 2452.23 9338.55 1473.51 380.41 147.95 78.90 24241.55 54.85 213.21 29.96 727.85 299.61 610.99 324.69 260.83 490.81 639.09 31.71 780.34 229.25 414.33 23675.00 255.44 28091.3.78 24.70 39.97 5898.00 0.74 380.13 189.02 GRAND TOTAL 3322.17 487.2012 Other Investments (` Crore) STATEMENT 55 ANNUAL REPORT 2011-12 .94 2373.34 192.39 759.11 19.63 8178.24 2073.89 20.02 36.43 737.00 13604.94 268.76 38562.00 252.3.3.68 TATA AIG UNIVERSAL SOMPO UNITED INDIA 2837.86 NEW INDIA 2305.81 31.09 463.3.86 1299.97 NATIONAL 111.93 7572.03 31.17 301.81 1888.08 3091.30 80.86 480.30 361.14 2231.10 5330.00 10.85 967.2012 Infrastructure Investments 8178.34 53.79 80.77 31.18 99268.87 3749.05 0.40 7.43 418.00 7.03 33.58 0.74 3060.74 0.72 1840.72 9164.13 82520.49 3851.00 27.34 101.55 CHOLAMANDALAM MS ICICI LOMBARD 170.26 2.23 332.44 0.00 8.48 2614.07 2739.85 21.45 234.62 1679.19 16062.78 286.15 15769.70 295.30 1566.61 0.82 120.28 GIC 5803.07 285.18 1056.00 92.28 14.70 10.97 936.26 63.05 275.22 21.69 686.23 9.34 85.00 0.73 5065.03 2934.50 1339.44 12.70 200.74 697.19 45.51 1886.2011 408.48 3368.90 1145.75 1794.3.44 0.10 351.06 2136.86 156.00 248.58.67 12215.06 0.04 930.86 MAX BUPA ROYAL SUNDARAM 56.84 69.64 1303.34 60.38 65.06 10734.80 0.11 7052.3.40 2066.01 22.66 371.18 0.43 240.00 6.56 393.3.89 837.50 318.89 803.47 RAHEJA QBE 210 517.17 BAJAJ ALLIANZ 14.29 130.68 5564.31 967.51 141.48 4.33 31.00 89.01 36.65 522.00 259.79 210.32 19777.59 20.65 42.11 25.10 445.78 1222.54 45.44 5.79 358.50 3.2012 Total Investments 8391.04 55.29 665.82 25.84 31.21 1817.98 1128.31 8191.90 296.34 10.99 40.93 2709.14 112.3.55 1569.97 184.47 6272.46 778.26 30.85 4546.

60 387.00 26.00 0.19 0.00 53.48 26.00 40.70 904.00 200.38 189.45 6501.82 228.00 117.00 290.92 SPECIALISED INSURERS REINSURER GIC GRAND TOTAL (NON-LIFE) 211 .00 NATIONAL 100.00 26.65 73.77 49.40 25.50 HDFC ERGO 486.10 1324.00 125. 2012 year Foreign Promoter Indian Promoter FDI (%) BAJAJ ALLIANZ 110.00 PUBLIC TOTAL 550.00 200.00 ORIENTAL 100.00 550.68 PRIVATE TOTAL TOTAL (NON-LIFE) STANDALONE HEALTH PRIVATE APOLLO MUNICH MAX BUPA 271.00 900.00 0.69 283.99 75.00 111.00 0.65 16.00 0.20 58.00 0.00 325.90 26.00 150.00 200.00 L&T GENERAL 200.95 23.00 3955.21 7826.02 436.00 0.52 89.00 ROYAL SUNDARAM 250.32 70.00 4505.00 85.66 323.70 904.80 IFFCO TOKIO 247.00 550.00 430.57 32.00 RELIANCE 116.00 0.52 260.00 0.00 6705.60 26.00 0.00 200.30 26.00 0.02 26.73 3742.00 26.00 FUTURE GENERALI 475.95 20.00 333.22 31.19 0.00 22.66 81.82 153.45 254.00 259.00 0.00 TATA AIG 365.40 214.22 CHOLAMANDALAM MS 266.00 430.00 STAR HEALTH 202.22 703.23 0.33 547.70 26.27 25.00 100.98 387.00 100.00 200.00 100.00 0.00 SBI GENERAL 150.27 281.00 352.00 135.68 1117.89 1120.00 450.67 4.00 523.00 SHRIRAM 105.00 16.57 26. 2011 Infusion As on 31st During the March.00 91.93 25.00 325.00 0.22 121.23 28.00 ICICI LOMBARD 404.00 UNIVERSAL SOMPO 150.00 NEW INDIA 200.00 110.00 0.00 0.00 UNITED INDIA 150.00 45.00 BHARTI AXA 422.00 150.49 156.98 5410.00 0.00 150.95 17.96 16.00 121.52 121.00 350.00 39.00 37.00 0.00 0.73 4292.00 132.00 0.00 0.00 900.00 91.00 75.00 RAHEJA QBE 207.78 278.00 ECGC 900.32 269.00 430.00 0.02 199.00 0.00 0.00 81.ANNUAL REPORT 2011-12 STATEMENT 56 EQUITY SHARE CAPITAL OF NON-LIFE INSURERS (` Crore) Insurer As on 31st March.00 0.00 207.75 209.00 0.18 26.00 0.58 112.65 65.68 1117.66 196.16 22.00 0.98 4860.00 100.87 AIC 200.00 0.00 520.

54 1.49 1.05 10.73 1.71 4.10 2.90 1.61 1.63 2.02 1.42 10.12 3.23 2.71 1.18 24 ECGC 9.66 SPECIALISED INSURERS 23 AIC 3.72 1.41 1.80 1.29 1.02 12.42 1.64 1.37 17 NEW INDIA 2.95 2.39 1.69 5 HDFC ERGO 1.39 11 ROYAL SUNDARAM 1.50 1.36 7 IFFCO TOKIO 1.56 1.71 STANDALONE HEALTH PRIVATE 20 APOLLO MUNICH 1.00 11.91 22 STAR HEALTH 1.56 1.64 1.95 PUBLIC INSURERS 16 NATIONAL 1.87 2.59 REINSURER 25 GIC 212 . Insurer No.60 1.89 2.88 1.32 1.40 15 UNIVERSAL SOMPO 2.30 1.70 1.56 1.14 1. March 2011 June 2011 September 2011 December 2011 March 2012 PRIVATE INSURERS 1 BAJAJ ALLIANZ 1.41 1.90 2.81 1.23 1.66 1.89 3.10 3.33 1.34 1.37 3.41 1.38 1.55 1.59 2.82 2.11 2.35 3.ANNUAL REPORT 2011-12 STATEMENT 57 SOLVENCY RATIO OF NON-LIFE INSURERS Sl.73 1.40 1.59 21 MAX BUPA 2.22 8 L&T GENERAL 2.55 1.49 12.84 1.01 2.65 1.56 2 BHARTI AXA 1.27 1.94 2.57 6 ICICI LOMBARD 1.92 14 TATA AIG 1.40 1.57 1.20 2.35 2.56 1.31 1.90 1.06 1.60 1.55 1.06 4.03 18 ORIENTAL 1.32 1.74 1.65 10.41 9 RAHEJA QBE 3.40 1.33 4 FUTURE GENERALI 2.11 0.42 11.18 3 CHOLAMANDALAM MS 1.69 3.35 1.29 4.09 1.32 1.65 3.36 12 SBI GENERAL 12.13 10.23 13 SHRIRAM 1.25 2.56 1.55 2.15 1.33 1.67 3.43 1.77 10 RELIANCE 1.05 2.32 1.73 3.03 1.34 1.66 1.38 19 UNITED INDIA 2.68 1.

1421 14424 Commission Operating Expenses related to Insurance Business 213 166 15653 144745 25544 462328 621346 53433 91517 476395 Total 1747 (44561) (27090) 1747 (44561) (27090) 15723 17672 590637 648435 1747 (44561) (27090) 166 15486 125167 22933 426885 546077 46668 79929 419480 Misc 2836 2836 60797 2836 14152 3470 43175 63633 5724 11 5292 52606 Fire NATIONAL 15723 40126 15723 61 5154 1190 11266 19419 1912 3274 14234 Marine 2010-11 Note: Figures in brackets indicate negative amounts APPROPRIATIONS Transfer to Shareholders' Account Transfer to Catastrophe Reserve Transfer to Other Reserves TOTAL (C ) TOTAL (B) Operating Profit/(Loss) from Fire/Marine/Miscellaneous Business C= (A – B) Foreign Taxes 106 24176 Claims Incurred (Net) Others. Write offs & Provisions 55850 4854 8314 42681 Fire TOTAL (A) Interest.Amortizations. Dividend & Rent – Gross Others Profit/ Loss on sale/redemption of Investments Premiums earned (Net) PARTICULARS 2947 2947 19698 2947 4815 1242 13641 22645 2589 6 2394 17655 Marine (1917) (1917) 665434 (1917) 20524 138893 31426 474591 663517 65455 449 60521 537092 Misc 2011-12 1 235 40425 17780 127227 146939 14823 10869 121247 Fire 3866 (38728) 3866 (38728) 745929 185667 3866 (38728) 20524 157861 36138 531406 749795 73768 68207 607353 Total Misc 61075 44781 43865 969 1 1267 194323 64867 652487 785803 79892 58579 647332 Total 96 (130) 40323 19301 165735 158143 21359 (11004) 9892 137897 Fire (8900) (79513) (127141) (67183) (8900) (79513) (127141) (67183) 38722 688555 912945 225326 (8900) (79513) (127141) (67183) 63 9672 144225 3223 25764 499496 29822 609042 3994 2929 22899 503186 Marine 2010-11 NEW INDIA PUBLIC SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNT Misc 75625 35024 68206 52 (459) 149 (622) 206432 89750 708753 926503 102553 47495 787459 Total (1889) (1889) (8886) (8886) (77958) (77958) 40291 738845 1004462 (1889) (8886) (77958) 0 (34) 10317 155791 2243 27764 515254 38402 729958 5569 2579 30253 619309 Marine 2011-12 (` Lakh) STATEMENT 58 ANNUAL REPORT 2011-12 .

Dividend & Rent – Gross Others Profit/ Loss on sale/redemption of Investments Premiums earned (Net) PARTICULARS 2341 2341 2341 53253 66 21809 240 31138 55594 4772 (8) 5539 45291 Misc Total 45965 105 50465 53354 97 59041 25567 27154 601 703 (2523) (61522) (61704) (2523) (61522) (61704) (2523) (61522) (61704) 32699 553007 638959 36 9604 141126 172538 1347 21712 385714 438564 30176 491485 577255 2617 1 3037 24521 394951 464763 Fire Marine 2010-11 3910 3910 3910 63695 413 18029 1065 44188 67604 5710 2 3451 58441 56850 107 34358 65753 114 39739 33778 35692 4110 4753 1110 (26435) (21415) 1110 (26435) (21415) 1110 (26435) (21415) 30190 641861 735745 231 7440 131137 156606 850 21669 472837 538694 31300 615425 714329 3193 4 1930 26173 524110 608724 Total (240153) (240153) (240153) 2793397 166 18301 668860 146155 1959914 2553244 242834 (292) 290722 2019980 2010-11 (92767) (92767) (92767) 3098635 149 23905 656341 194033 2224206 3005867 309313 (27) 214278 2492842 2011-12 PUBLIC TOTAL (` Lakh) Contd.. Write offs & Provisions 60410 6355 (4) 9233 44827 Misc 2010-11 Fire Marine TOTAL (A) Interest.1949 19872 Commission Operating Expenses related to Insurance Business 214 (2158) Total 47132 (206) 68477 56154 (389) 81585 24414 28590 569 677 (2109) (19952) (24218) (2109) (19952) (24218) (2109) (19952) (24218) 31169 499320 593058 32 9298 128084 157254 2227 19612 346254 406536 29061 479369 568840 2667 (179) 3875 (6395) (6395) (6395) 72127 (85) 17693 2937 51582 65733 7611 30 6660 51432 Total 56276 (110) 49244 67238 (141) 58837 27136 32453 (628) (750) 1344 1344 1344 7791 7791 7791 2740 2740 2740 30334 510038 612499 (37) 7544 110207 135443 2380 20447 373323 445353 31677 517829 615239 3351 (61) 2932 25455 412419 489306 Misc 2011-12 Fire Marine ORIENTAL 22697 363966 431490 Note: Figures in brackets indicate negative amounts TOTAL (C ) Transfer to Other Reserves Transfer to Catastrophe Reserve Transfer to Shareholders' Account (2158) Operating Profit/(Loss) from Fire/Marine/Miscellaneous Business C= (A – B) APPROPRIATIONS 62568 (2158) TOTAL (B) Foreign Taxes 77 40670 Claims Incurred (Net) Others.Amortizations.. STATEMENT 58 Misc 2011-12 Fire Marine UNITED PUBLIC SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNT ANNUAL REPORT 2011-12 .

215 Note : Figures in brackets indicate negative values. Dividend & Rent – Gross (b) Profit on sale of investments Less: Loss on sale of investments (a) Fire Insurance (b) Marine Insurance (c) Miscellaneous Insurance OPERATING PROFIT/(LOSS) PARTICULARS 2010-11 8794 41853 (1349) (11451) 318 21229 8746 33106 (585) 32521 32521 (420) 2673 318 579 3150 7540 (51) 7489 7489 15168 14244 (219) (42123) (33) 185 10376 (41137) (1019) (42156) 355 9123 713 (300) (30761) 55780 40899 13283 (5083) 4000 649 266 (10047) 15617 2315 17932 5083 389 (11119) 417 101 5569 57019 26407 (67183) (1889) (8886) (77958) 2011-12 NEW INDIA 2836 (38728) 2947 (8900) (1917) (79513) 3866 (127141) 2011-12 716 10690 13663 23529 (128) 15723 1747 (44561) (27090) 2010-11 NATIONAL 3083 2379 (54) 1015 18041 (12579) 5462 (4) 804 268 1357 19056 17089 24828 (2158) (2109) (19952) (24218) 2010-11 26116 (479) 2455 37768 (11652) 26116 49 2660 225 2594 40223 18607 16282 (6395) 1344 7791 2740 2011-12 ORIENTAL 9569 3000 486 1866 479 13083 (28) 13054 98 (306) (1178) 390 13562 34655 40221 2341 (2523) (61522) (61704) 2010-11 2010-11 14411 7800 1264 15204 1542 2765 46928 (8249) 38679 77 903 244 9736 49694 38254 23119 (21983) 3000 453 2379 2576 15020 (2473) (13678) (16151) 416 (375) 11422 981 2163 12547 121187 129477 (128) 86331 11800 1913 15204 22557 3919 133419 (18701) 115248 395 (8) (19665) 641 21225 137338 129048 80052 (219) (66831) 3511 (29448) (92767) 2011-12 PUBLIC TOTAL (` Lakh) STATEMENT 59 3910 (22821) 1110 (11785) (26435) (205547) (21415) (240153) 2011-12 UNITED INDIA PUBLIC SECTOR NON-LIFE INSURERS : SHAREHOLDERS ACCOUNT ANNUAL REPORT 2011-12 . OTHER INCOME TOTAL (A) PROVISIONS (Other than taxation) (a) For diminution in the value of investments (b) For doubtful debts (c) Others OTHER EXPENSES (a) Expenses other than those related to Insurance Business (b) Bad debts written off (c) Others TOTAL (B) Profit Before Tax Provision for Taxation Profit after Tax Transfer from General Reserves/Equilisation Reserve APPROPRIATIONS (a) Interim dividends paid during the year (b) Proposed final dividend (c) Dividend distribution tax Contingency reserves for Unexpired Risks (Schedule 16B) (d) Transfer to any Reserves or Other Accounts Transfer to General Reserve Transfer to UK Equalization Reserve Balance of Profit / Loss B/f from last year Balance C/f to Balance Sheet INCOME FROM INVESTMENTS (a) Interest.

2012) 896419 (679263) 971366 298237 673130 292103 193324 98780 8642 40367 1526672 896419 471625 409793 15000 2011 15000 2012 4445230 1341172 3104057 1976057 1097241 878816 10186 44354 150583 7527018 5291815 3791688 1445128 55000 2011 55000 2012 5231269 1632379 3598890 2335850 1171180 1164670 13233 46512 125604 7760073 5071639 3420945 1595694 TOTAL 843429 5291815 28847 5071639 21635 (840901) (2469172) (2895419) 1233980 376575 857405 393079 256104 136975 10345 35569 1638417 843429 388681 439747 UNITED (` Lakh) STATEMENT 60 ANNUAL REPORT 2011-12 . Expenditure (to the extent not written off or adjusted) 979860 3237 (680885) 281948 Sub-Total (A) Net Current Assets (C)= (A-B) 202985 Advances and Other Assets Cash & Bank Balance CURRENT ASSETS 78963 11293 Fixed Assets Deferred Tax Assets 34237 1611977 979860 Loans Investments APPLICATION OF FUNDS TOTAL Deferred Tax Liability Borrowings 155779 814081 Fair Value Change Account 10000 914514 2428 (850680) 1078739 365156 713583 228060 113186 114874 9916 25119 1727732 914514 716214 188300 10000 2384355 13725 (551627) 1591497 463661 1127836 1039870 509425 530445 10186 15683 48566 2847822 2384355 1673201 691154 20000 2012 2317649 10294 (584002) 1908919 561824 1347095 1324916 610699 714217 13233 15472 42331 2820322 2317649 1544520 753130 20000 2011 2011 2012 NEW INDIA NATIONAL Reserves & Surplus Share Capital SOURCES OF FUNDS 1031182 11885 (557398) 919534 289250 630283 362136 191508 170628 8736 27414 1540546 1031182 832781 188402 10000 2011 2012 996047 8914 (619835) 1009631 328825 680806 389796 191192 198604 10780 22586 1573603 996047 771529 214518 10000 ORIENTAL PUBLIC SECTOR NON-LIFE INSURERS : BALANCE SHEET (AS ON 31st MARCH.216 672809 290024 962833 CURRENT LIABILITIES Provisions Sub-Total (B) Note: Figures in brackets indicate negative values. TOTAL Profit & Loss Account (Debit Balance) Misc.

Dividend & Rent – Gross (6) 13021 Fire Profit/ Loss on sale/redemption of Investments Premiums earned (Net) PARTICULARS 1526 1526 1526 5406 1749 434 3223 6932 770 36 (2) 6128 Marine 4805 4805 4805 249474 32 195 60243 7698 181306 254279 24917 1108 (65) 228319 Misc. TOTAL (C) Transfer to Other Reserves Transfer to Catastrophe Reserve Transfer to Shareholders' Account APPROPRIATIONS Operating Profit/(Loss) C= (A . 11759 11759 11759 265716 32 195 67223 7471 190795 277475 28147 1933 (73) 247468 2011-12 BAJAJ ALLIANZ (215) (215) (215) 238411 (535) 171 64612 4036 170127 238196 21453 1627 151 214965 2010-11 (861) (861) (861) 1655 208 27 1421 (444) 443 794 174 99 0 521 Fire (135) (135) (135) 673 561 (132) 244 538 69 39 0 430 Marine (14182) (14182) (14182) 74888 72 16 26978 1002 46821 60707 3306 1882 7 55512 Misc.B) TOTAL (B) Exceptional Item (IMTPIP) Others-Miscellaneous Premium Deficiency Solatium Fund 5428 5428 5428 10836 (661) Commission Co-insurance administration fee 6265 16264 Claims Incurred (Net) TOTAL (A) 2460 789 Others Interest. BHARTI AXA PRIVATE SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNT (15177) (15177) (15177) 77216 72 208 43 28960 426 47507 62039 3548 2020 7 56463 2011-12 (17606) (17606) (17606) 51560 267 (403) 9 24485 (395) 27596 33954 2018 365 1 31570 2010-11 (` Lakh) STATEMENT 61 ANNUAL REPORT 2011-12 .5231 Operating Expenses related to Insurance Business 217 Note : Figures in brackets indicate negative amounts.

Dividend & Rent – Gross 5 2893 Fire Profit/ Loss on sale/redemption of Investments Premiums earned (Net) PARTICULARS 163 163 163 1408 694 (389) 1102 1571 148 2 2 1418 Marine (1799) (1799) (1799) 90967 26083 1742 63143 89169 6509 1 56 82602 Misc. TOTAL (C) Transfer to Other Reserves Transfer to Catastrophe Reserve Transfer to Shareholders' Account APPROPRIATIONS Operating Profit/(Loss) C= (A .B) TOTAL (B) Exceptional Item (IMTPIP) Others-Miscellaneous Premium Deficiency Solatium Fund Co-insurance administration fee Operating Expenses related to Insurance Business 640 640 640 2852 1263 16 1573 Claims Incurred (Net) Commission 3492 TOTAL (A) 592 3 Others Interest.218 Note : Figures in brackets indicate negative amounts. (996) (996) (996) 95227 28041 1368 65818 94231 7249 6 63 86913 2011-12 CHOLAMANDALAM (4038) (4038) (4038) 71582 (128) 23311 (178) 48578 67544 4661 7 138 62737 2010-11 (1421) (1421) (1421) 3252 2249 (570) 1573 1831 441 2 33 1355 Fire (344) (344) (344) 1634 852 (57) 839 1291 169 1 13 1108 Marine (5720) (5720) (5720) 59519 20497 461 38561 53799 3822 19 289 49670 Misc. STATEMENT 61 FUTURE GENERALI PRIVATE SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNT ANNUAL REPORT 2011-12 .. (7485) (7485) (7485) 64405 23599 (166) 40973 56921 4432 21 335 52133 2011-12 (10543) (10543) (10543) 45851 (75) 32 19325 (1333) 27902 35308 2196 8 192 32912 2010-11 (` lakh) Contd..

STATEMENT 61 ICICI LOMBARD PRIVATE SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNT ANNUAL REPORT 2011-12 . TOTAL (C) Transfer to Other Reserves Transfer to Catastrophe Reserve Transfer to Shareholders' Account 1662 1662 1662 Operating Profit/(Loss) C= (A . (46689) (46689) (46689) 441232 (12) 87289 (6135) 360091 394544 26383 7072 6189 354900 2011-12 (18021) (18021) (18021) 335798 185 67979 (5430) 273064 317777 16769 5792 9599 285616 2010-11 (` Lakh) Contd.219 Note : Figures in brackets indicate negative amounts. Dividend & Rent – Gross 40 2708 Fire Profit/ Loss on sale/redemption of Investments Premiums earned (Net) PARTICULARS (1264) (1264) (1264) 2919 576 (115) 2458 1655 143 (1) 12 1502 Marine (8232) (8232) (8232) 104524 7794 26886 (2721) 72565 96291 8425 (60) 688 87238 Misc. HDFC ERGO (7834) (7834) (7834) 109062 7794 28984 (4359) 76643 101227 9058 (18) 740 91447 2011-12 (6115) (6115) (6115) 72286 2241 22920 (3864) 50988 66170 4864 319 352 60636 2010-11 (2360) (2360) (2360) 14886 5244 592 9049 12526 679 229 159 11459 Fire (2094) (2094) (2094) 7925 (12) 3371 (591) 5157 5832 363 (6) 85 5389 Marine (42235) (42235) (42235) 418421 78673 (6136) 345884 376186 25341 6849 5944 338051 Misc..B) APPROPRIATIONS 1619 1522 TOTAL (B) Exceptional Item (IMTPIP) Others-Miscellaneous Premium Deficiency Solatium Fund Co-insurance administration fee Operating Expenses related to Insurance Business (1523) 1620 Claims Incurred (Net) Commission 3281 TOTAL (A) 490 43 Others Interest..

STATEMENT 61 L&T GENERAL PRIVATE SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNT ANNUAL REPORT 2011-12 . TOTAL (C) Transfer to Other Reserves Transfer to Catastrophe Reserve Transfer to Shareholders' Account (168) (168) (168) Operating Profit/(Loss) C= (A .220 Note : Figures in brackets indicate negative amounts. Dividend & Rent – Gross TOTAL (A) (73) 17 5131 Fire Others Profit/ Loss on sale/redemption of Investments Premiums earned (Net) PARTICULARS (910) (910) (910) 5712 2330 (434) 3815 4802 768 6 19 4010 Marine (6925) (6925) (6925) 145762 29802 268 115692 138837 14303 62 345 124127 Misc. IFFCO TOKIO (8003) (8003) (8003) 157424 35257 (1200) 123367 149421 15777 (5) 381 133268 2011-12 (7351) (7351) (7351) 132422 31864 1511 99046 125070 11323 (44) 282 113510 2010-11 (714) (714) (714) 884 2 917 (169) 134 170 23 3 143 Fire (481) (481) (481) 665 5 416 4 240 184 10 2 172 Marine (10032) (10032) (10032) 14852 935 8546 9 5362 4820 214 32 4574 Misc.B) APPROPRIATIONS 5951 3126 TOTAL (B) Exceptional Item (IMTPIP) Others-Miscellaneous Premium Deficiency Solatium Fund Co-insurance administration fee Operating Expenses related to Insurance Business (1034) 3859 Claims Incurred (Net) Commission 5782 706 Interest.. (11226) (11226) (11226) 16400 941 9878 (155) 5736 5174 248 37 4889 2011-12 (6252) (6252) (6252) 6329 11 6109 (36) 245 77 54 (5) 28 2010-11 (` Lakh) Contd..

RELIANCE (38419) (38419) (38419) 169050 38336 4127 126587 130631 12621 48 1653 116309 2011-12 (35266) (35266) (35266) 175574 44687 (2252) 133138 140308 10023 10 894 129380 2010-11 (` Lakh) Contd.59 32 (7) 120 TOTAL (A) Claims Incurred (Net) Commission Operating Expenses related to Insurance Business 221 Note : Figures in brackets indicate negative amounts. Dividend & Rent – Gross Co-insurance administration fee (0) 0 49 Fire Others Profit/ Loss on sale/redemption of Investments Premiums earned (Net) PARTICULARS (13) (13) (13) 20 3 3 2 12 6 0 0 6 Marine (769) (769) (769) 1638 1121 144 373 869 103 25 2 739 Misc.B) TOTAL (B) Exceptional Item (IMTPIP) Others-Miscellaneous Premium Deficiency Solatium Fund (106) (106) (106) 166 22 11 Interest. TOTAL (C) Transfer to Other Reserves Transfer to Catastrophe Reserve Transfer to Shareholders' Account APPROPRIATIONS Operating Profit/(Loss) C= (A .. RAHEJE QBE (889) (889) (889) 1823 25 1243 138 417 935 114 25 3 794 2011-12 (1774) (1774) (1774) 1648 1429 36 183 (126) 43 6 1 (175) 2010-11 580 580 580 3276 1178 (545) 2643 3856 735 98 3023 Fire (27) (27) (27) 1304 30 314 (69) 1029 1276 256 34 987 Marine PRIVATE SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNT (39001) (39001) (39001) 164500 36844 4741 122915 125499 11630 48 1522 112299 Misc.. STATEMENT 61 ANNUAL REPORT 2011-12 .

(14281) (14281) (14281) 18519 13451 75 4993 4238 659 93 24 3462 2011-12 (7716) (7716) (7716) 7529 7055 (90) 564 (186) 65 2 0 (253) 2010-11 (` Lakh) Contd. TOTAL (C) Transfer to Other Reserves Transfer to Catastrophe Reserve Transfer to Shareholders' Account 659 659 659 Operating Profit/(Loss) C= (A . (3176) (3176) (3176) 124101 35318 2224 86559 120924 10338 9 75 110503 2011-12 ROYAL SUNDARAM (3721) (3721) (3721) 98575 30471 2082 66022 94854 7082 17 136 87619 2010-11 (8462) (8462) (8462) 9674 8490 (46) 1230 1212 493 21 18 680 Fire (137) (137) (137) 121 99 (2) 24 (16) 2 0 0 (18) Marine (5682) (5682) (5682) 8724 4863 123 3738 3042 164 72 6 2800 Misc..222 Note : Figures in brackets indicate negative amounts..B) APPROPRIATIONS 947 714 (329) 563 1606 416 2 1188 Fire TOTAL (B) Exceptional Item (IMTPIP) Others-Miscellaneous Premium Deficiency Solatium Fund Co-insurance administration fee Operating Expenses related to Insurance Business Commission Claims Incurred (Net) TOTAL (A) Interest. Dividend & Rent – Gross Others Profit/ Loss on sale/redemption of Investments Premiums earned (Net) PARTICULARS 668 668 668 696 358 60 279 1364 118 1 1244 Marine (4503) (4503) (4503) 122457 34246 2493 85718 117954 9803 9 71 108071 Misc. STATEMENT 61 SBI GENERAL PRIVATE SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNT ANNUAL REPORT 2011-12 .

TATA AIG (7641) (7641) (7641) 126948 96 (25) 49 37971 2474 86383 119307 10556 (260) 580 108432 2011-12 (4902) (4902) (4902) 85786 72 43 38 29422 1899 54311 80884 6930 (249) 1534 72669 2010-11 (` Lakh) Contd. Dividend & Rent – Gross Others Profit/ Loss on sale/redemption of Investments Premiums earned (Net) PARTICULARS (38) (38) (38) 67 18 19 (5) 35 29 8 0 21 Marine 7764 7764 7764 51982 179 12433 1732 37638 59746 5610 112 54024 Misc. SHRIRAM 7833 7833 7833 52218 179 18 12537 1647 37836 60051 5653 112 1 54286 2011-12 1228 1228 1228 35021 178 7871 1464 25508 36248 2984 262 33003 2010-11 2764 2764 2764 (304) 41 1131 (2585) 1109 2460 579 9 13 1858 Fire (1548) (1548) (1548) 16404 1 3248 1936 11219 14856 1003 (42) 58 13838 Marine PRIVATE SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNT (8857) (8857) (8857) 110848 96 (25) 6 33593 3124 74055 101991 8974 (227) 509 92735 Misc.(80) Commission 223 Note : Figures in brackets indicate negative amounts... STATEMENT 61 ANNUAL REPORT 2011-12 . TOTAL (C) Transfer to Other Reserves Transfer to Catastrophe Reserve Transfer to Shareholders' Account 107 107 107 Operating Profit/(Loss) C= (A .B) APPROPRIATIONS 169 TOTAL (B) Exceptional Item (IMTPIP) Others-Miscellaneous Premium Deficiency Solatium Fund Co-insurance administration fee 86 163 Claims Incurred (Net) Operating Expenses related to Insurance Business 276 35 0 241 Fire TOTAL (A) Interest.

TOTAL (C) Transfer to Other Reserves Transfer to Catastrophe Reserve Transfer to Shareholders' Account (695) (695) (695) Operating Profit/(Loss) C= (A . UNIVERSAL SOMPO (9586) (9586) (9586) 35925 (145) 4 13334 856 21876 26339 1869 (87) (98) 24654 2011-12 (6161) (6161) (6161) 26828 170 27 11646 769 14216 20667 1263 (33) 162 19275 2010-11 PRIVATE SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNT (151809) (151809) (151809) 1755266 7794 347 1068 216 49 461422 8792 1275579 1603457 136651 10969 9916 1445920 2011-12 Total (128454) (128454) (128454) 1385200 2241 517 (776) 283 38 393188 (1782) 991490 1256746 91728 8089 13436 1143493 2010-11 (` Lakh) Contd.(95) 2547 Commission Operating Expenses related to Insurance Business 224 Note : Figures in brackets indicate negative amounts.. STATEMENT 61 ANNUAL REPORT 2011-12 .B) APPROPRIATIONS 3836 TOTAL (B) Exceptional Item (IMTPIP) Others-Miscellaneous Premium Deficiency Solatium Fund Co-insurance administration fee 1384 253 Interest. Dividend & Rent – Gross Claims Incurred (Net) (12) Others 3142 (13) Profit/ Loss on sale/redemption of Investments TOTAL (A) 2914 Fire Premiums earned (Net) PARTICULARS (77) (77) (77) 297 (145) 293 (73) 222 220 25 (1) (1) 197 Marine (8814) (8814) (8814) 31792 4 10494 1024 20270 22978 1592 (73) (83) 21542 Misc..

55973 Balance C/f to Balance Sheet 68338 55973 (7034) 12365 (1864) 4327 51645 19399 137 184 6191 144 (7) 575 19536 7221 56 (75) 5428 1526 4805 151 Balance of profit/ loss B/f from last year APPROPRIATIONS (a) Interim dividends paid during the year (b) Proposed final dividend (c) Dividend distribution tax (d) Transfer to any Reserves or Deferred Tax of last year or reserve for Unexpired Risks (e) Catastrophe Reserve Profit Before Tax Add/(Less): Prior Period Adjustments Account Add/(Less):Provision for Taxation/Deferred Tax Profit After Tax OTHER EXPENSES (a) Expenses other than those related to Insurance Business (b) Bad debts written off (c) Others -preliminary & pre-operative.6260 152 (108) 286 6375 INCOME FROM INVESTMENTS (a) Interest. Dividend & Rent – Gross (b) Profit on sale of investments Less: Loss on sale of investments Other Income TOTAL (A) 225 Note :Figures in brackets indicate negative amounts. amortizations TOTAL (B) 33 3724 995 (4934) Provisions (Other than taxation) (a) For diminution in the value of investments (b) For doubtful debts (c) Others BHARTI AXA CHOLAMANDALAM FUTURE GENERALI HDFC ERGO ICICI LOMBARD IFFCO TOKIO L&T GENERAL (38392) (21358) (5) (17035) (17030) 214 214 481 (16816) 106 203 (1134) (272) (16200) (52342) (38392) (5) (13950) (13945) 91 91 0 8 (13854) 437 170 708 (861) (135) (14182) (957) 775 561 (34) (2293) (2259) (2259) 1733 89 (43) 45 192 (4276) (957) (955) 363 1912 1549 1549 2511 34 (0) 640 163 (1799) (28388) (19436) (8952) (8952) 44 44 (8908) 1481 129 (1013) (610) (8895) (33534) (28388) (5145) (5145) 44 44 (5102) 2215 168 (1421) (344) (5720) (20357) (16715) (3643) (3643) 32 32 (68) (3611) 2399 174 1036 48 (7199) (24327) (20357) (3970) (3970) 94 1 93 (42) (3876) 3698 302 1662 (1264) (8232) 1765 17450 940 1052 5659 200 (8034) (8234) (39868) 1765 (2111) (41633) (39521) 3327 7 324 250 810 3899 200 2796 478 (36194) 8726 1795 (506) (2360) (2094) (42235) 136 2704 248 (4335) 9129 4513 (204) (2707) (2220) (13136) 4033 7300 (3) 1667 (3270) (4937) 52 52 196 (4885) 2216 55 (1734) (1197) (4420) 854 4033 1484 (3179) (4663) 76 76 181 (4587) 3159 76 (168) (910) (6925) (6741) (809) (5932) (5932) 16 16 0 (5917) 370 12 (47) (873) (179) (5200) (17337) (6741) (1) (10596) (10595) 54 54 1 (10541) 596 100 (11) (714) (481) (10032) 2010-11 2011-12 2010-11 2011-12 2010-11 2011-12 2010-11 2011-12 2010-11 2011-12 2010-11 2011-12 2010-11 2011-12 2010-11 2011-12 BAJAJ ALLIANZ OPERATING PROFIT/(LOSS) (a) Fire Insurance (b) Marine Insurance (c) Miscellaneous Insurance PARTICULARS PRIVATE SECTOR NON-LIFE INSURERS : SHAREHOLDERS ACCOUNT STATEMENT 62 ANNUAL REPORT 2011-12 .

amortizations TOTAL (B) Provisions (Other than taxation) (a) For diminution in the value of investments (b) For doubtful debts (c) Others Other Income TOTAL (A) INCOME FROM INVESTMENTS (a) Interest. STATEMENT 62 ANNUAL REPORT 2011-12 ... Dividend & Rent – Gross (b) Profit on sale of investments Less: Loss on sale of investments OPERATING PROFIT/(LOSS) (a) Fire Insurance (b) Marine Insurance (c) Miscellaneous Insurance PARTICULARS PRIVATE SECTOR NON-LIFE INSURERS : SHAREHOLDERS ACCOUNT Contd. RELIANCE ROYAL SUNDARAM SBI GENERAL SHRIRAM TATA AIG UNIVERSAL SOMPO TOTAL (87069) (52749) (160) (34320) (34160) (2188) (71) (2117) 194 (31972) 5545 768 (31) 580 (27) (39001) 2365 4379 (526) (2014) (1488) 5 5 6 (1483) 2179 54 659 157 (4536) 2387 2365 68 22 (46) 56 56 135 11 3023 30 659 668 (4503) (3781) (1099) (2682) (2682) 13 13 7 (2669) 5018 22 (3966) (46) (3704) (13316) (3781) 11 (9535) (9546) 12 12 44 (9533) 4539 165 (8462) (138) (5682) 2452 1197 (571) 1255 1826 15 15 8605 2452 (3079) 6153 9231 24 24 9255 19 13 1841 1404 107 (38) 7764 600 197 5 1025 2620 3079 1647 (458) (2105) (238) 2620 1647 (2859) (4505) 833 3 9 72 698 132 792 (3673) 3151 298 (272) 2764 (1548) (8857) (2) 65 57 (2033) 2318 659 (165) 2368 (1889) (5381) (11800) (6676) (73) (5125) (5051) 8 8 30 (5044) 1020 211 (144) 763 (454) (4944) (19666) (11800) 736 (7866) (8602) 17 2 15 21 (8585) 1090 60 (169) 2608 13 443 1348 2921 (2117) 2387 (96958) 48777 4056 (338) (96185) (955) (96185) (209159) (3355) 937 1613 5659 256 (8078) (85743) (112019) (85999) (103941) 3122 259 831 634 2801 (1404) 1656 (79980) 40821 7544 (1573) (695) (1392) (2949) (77) (5298) (4711) (8814) (120254) (144181) 2010-11 2011-12 2010-11 2011-12 2010-11 2011-12 2010-11 2011-12 2010-11 2011-12 2010-11 2011-12 2010-11 2011-12 2010-11 2011-12 RAHEJA QBE Balance of profit/ loss B/f from last year APPROPRIATIONS (a) Interim dividends paid during the year (b) Proposed final dividend (c) Dividend distribution tax (d) Transfer to any Reserves or Deferred Tax of last year or reserve for Unexpired Risks (e) Catastrophe Reserve Profit Before Tax Add/(Less): Prior Period Adjustments Account Add/(Less):Provision for Taxation/Deferred Tax Profit After Tax OTHER EXPENSES (a) Expenses other than those related to Insurance Business (b) Bad debts written off (c) Others -preliminary & pre-operative.226 (2226) Balance C/f to Balance Sheet (1646) (52749) (21589) (184) (31160) 3 580 (727) (2226) (30976) (1449) 577 30 16 (45) (1404) 412 (29527) 4819 1382 (875) 1559 222 (37046) (727) 30 607 1461 34 (106) (13) (769) 16 (711) 1173 (110) (315) (50) (1410) (1499) Note :Figures in brackets indicate negative amounts.

55895 95873 TOTAL 83561 38392 Profit & Loss Account (Debit Balance) Misc.B) (267171) (315265) 93925 Sub-Total (A) 2121 3466 61051 55895 56471 27366 Advances and Other Assets 89266 3760 20808 386569 95873 2 442027 66559 Cash and Bank Balances CURRENT ASSETS 15607 Deferred Tax Asset 330949 83561 Fixed Assets Loans Investments APPLICATION OF FUNDS TOTAL Deferred Tax Liability Others (150) 85697 52342 (77423) 97399 39969 57430 19976 13705 6271 3192 107587 85697 1 15347 (40) 26696 2011 26703 957 (73757) 91044 37183 53861 17288 16590 698 2892 96610 26703 47 47500 2011 61898 21599 40299 21521 19473 2048 2152 59585 49748 32569 49748 28388 (97135) (40377) 118401 49600 68801 21266 17311 3955 383 3591 125730 32569 (87) 4292 28365 2012 (2) Borrowings (97) 13665 70349 2012 61474 33534 (64577) 111113 35247 75866 46537 41654 4882 1597 90920 61474 (26) 9500 52000 2012 FUTURE GENERALI Fair Value Change Account 85000 42227 2011 CHOLAMANDALAM 2250 72634 Reserves & Surplus 11023 2012 BHARTI AXA Share Application Money 11023 2011 BAJAJ ALLIANZ Share Capital SOURCES OF FUNDS 184912 70993 113919 39342 19661 19681 9971 188776 77504 31 (27) 25200 52300 2012 628470 144315 484155 312798 273797 39001 4729 38813 466530 194399 7293 34023 112626 40457 2011 901732 200435 701296 406577 364003 42574 2617 39960 603362 190651 4959 19 142015 43658 2012 ICICI-LOMBARD 62800 20357 77504 24327 194399 190651 39868 (88246) (145570) (315672) (495155) 110446 45899 64547 22200 11876 10325 8327 122361 62800 61 39 3700 10400 48600 2011 HDFC ERGO PRIVATE SECTOR NON-LIFE INSURERS : BALANCE SHEET (AS ON 31st MARCH) 231701 72430 159271 130832 40986 89846 3960 2698 147700 53488 3 26553 26932 2012 44166 53488 (84467) (100869) 173293 63368 109925 88826 30290 58535 2472 2372 123789 44166 1 19465 24700 2011 IFFCO-TOKIO 20002 6741 (1499) 3160 941 2218 1660 1184 477 7140 7621 20002 2 20000 2011 32510 17337 (11622) 15945 6559 9386 4323 3494 829 8264 18531 32510 10 32500 2012 L&T GENERAL (` Lakh) STATEMENT 63 ANNUAL REPORT 2011-12 .227 4175 130055 361096 Provisions Sub-Total (B) 151185 290842 24351 32120 9456 7335 Note : Figures in brackets indicates negative values. Expenditure (to the extent not written off or adjusted) (47014) 231041 CURRENT LIABILITIES 37496 126763 NET CURRENT ASSETS (C) = (A .

2226 Profit & Loss Account (Debit Balance) Misc. STATEMENT 63 ANNUAL REPORT 2011-12 .B) 20701 TOTAL Note : Figures in brackets indicates negative values.228 747 770 449 233 682 88 Advances and Other Assets Sub-Total (A) CURRENT LIABILITIES Provisions Sub-Total (B) NET CURRENT ASSETS (C) = (A . Expenditure (to the extent not written off or adjusted) 22 Cash and Bank Balances CURRENT ASSETS 191978 57537 134441 30529 23807 6722 3887 235976 60592 175384 27897 21687 6210 3727 2512 3006 270213 158450 (756) 147087 12119 128314 49587 78727 18096 13557 4539 516 1269 138271 29839 (26) 4865 25000 2011 20707 1646 114935 52749 158450 87069 29839 36121 (149765) 170670 63995 106675 20905 13892 7014 584 1249 184053 36121 (166) 7287 29000 2012 ROYAL SUNDARAM (1137) (161449) (208078) (110218) 1868 949 919 731 645 86 3 181 3022 Deferred Tax Asset 213 213718 114935 29 103239 11667 Fixed Assets 20013 20707 7 20700 3006 18175 20701 1 20700 2012 2011 2011 2012 RELIANCE RAHEJA QBE Loans Investments APPLICATION OF FUNDS TOTAL Deferred Tax Liability Others Borrowings Fair Value Change Account Share Application Money Reserves & Surplus Share Capital SOURCES OF FUNDS 65310 3781 62 10123 1425 8698 10185 3049 7136 7713 53754 65310 0 50310 15000 2011 65315 13316 (17785) 28425 14066 14359 10640 4023 6617 6868 62916 65315 5 50310 15000 2012 SBI GENERAL 12952 (50727) 73066 24994 48072 22339 2533 19806 772 2092 60815 12952 2452 10500 2011 128486 44687 83799 28042 22719 5323 1189 3285 136241 40271 (362) 4133 36500 2011 2012 181693 67217 114475 32109 21390 10719 2836 2986 188687 44925 (1349) 1274 45000 TATA AIG 23405 40271 44925 (73980) (100444) (149584) 231891 38318 193573 157911 137940 19971 955 2288 94143 23405 2678 8605 12122 2012 SHRIRAM PRIVATE SECTOR NON-LIFE INSURERS : BALANCE SHEET (AS ON 31st MARCH) 23387 11800 (23807) 33276 12649 20627 9469 7688 1782 82 2347 32964 23387 (193) 8580 15000 2011 2051802 658823 1392979 687104 462010 225095 17822 100709 3006 1922433 844667 108 6647 39973 402369 395570 2011 2012 3007490 889596 2117894 1080056 749406 330650 19644 107898 3006 2529901 1022119 31 2273 12197 521550 486068 TOTAL 43429 19666 844667 165393 1022119 289105 (19490) (1364698) (1927434) 53737 18041 35696 34247 11519 22728 818 1735 40700 43429 (151) 8580 35000 2012 UNIVERSAL SOMPO (` Lakh) Contd….

93) (12284.33 14939.78 2011-12 121536.40 52646.18 35071.39 20278.92 1774.07) (35127.98) Operating Profit/(Loss) from Fire/Marine/ Miscellaneous Business C= (A .90 12667.36 15543.43) (6187.11 2035.98) (8771.90 2010-11 13212.94 (16100.76 9077.47) 80850.Amortizations.00 TOTAL (` Lakh) STATEMENT 64 382.96 406.47) 116025.67 (42.22 82065. Write offs & Provisions 13325.54 669.07) (35127.61 3827.20 1029.00 119138.24 814.37 75813.12 83139.84) (20673.03) (12838.94 (16100.39 2011-12 APOLLO MUNICH Claims Incurred (Net) TOTAL (A) Interest.39 2813.88 5509.07 928.72 84390.64 14873.87 114.15 100863.24 (42.11 2010-11 2011-12 154265.20) 382.93) (12284.43) 37750.46 464.52 TOTAL (B) Foreign Taxes Others. Dividend & Rent – Gross Others Profit/ Loss on sale/redemption of Investments Premiums earned (Net) PARTICULARS 98166.83 85435.20) 84007.71 77423.90 418.63 2010-11 18348.84) (20673.69 2858.41 -883.79 97791.93) (12284.90 31562.229 Note : Figures in brackets indicate negative values TOTAL (C) Transfer to Other Reserves Transfer to Catastrophe Reserve Transfer to Shareholders' Account (8771.07 5091.76 549.87 138.43) (6187.00 98828.03) (12838.24 Commission Operating Expenses related to Insurance Business 9215.03) (12838.07) (35127.75 1480.B) APPROPRIATIONS 24315.83 2011-12 MAX BUPA (6187.70 1251.68 17428.94 (16100.84) (20673.55 1257.58 2010-11 STAR HEALTH HEALTH INSURERS : POLICYHOLDERS ACCOUNT ANNUAL REPORT 2011-12 .39 17508.20) 382.98) (8771.20 3155.36 30082.

92 (17.98) 2010-11 APOLLO MUNICH APPROPRIATIONS (a) Interim dividends paid during the year (b) Proposed final dividend (c) Dividend distribution tax (d) Transfer to any Reserves or Other Accounts Transfer to General Reserve Balance of Profit / Loss B/f from last year Profit Before Tax Provision for Taxation Profit after Tax OTHER EXPENSES (a) Expenses other than those related to Insurance Business (b) Bad debts written off (c) Others TOTAL (B) PROVISIONS (Other than taxation) (a) For diminution in the value of investments (b) For doubtful debts (c) Others INCOME FROM INVESTMENTS (a) Interest.30) 0.90) (26991.18) (4741.71) (22.07) (20673.18) Balance C/f to Balance Sheet Note: Figures in brackets indicate negative values (19047.03 (4633.50 820.22) 106.63) (35127.83 799.38 91.94 2010-11 (15011.55) (257.89 382.45) (14754.03) (12284.37) (690.01 427.57 (31966.92 (11595.60) 199.03) 2010-11 MAX BUPA (257.43) 2011-12 595.96 99.32) 1.74) 0.89 (12284. Dividend & Rent – Gross (b) Amortisation of discount /premium (c) Profit on sale of investments Less: Loss on sale of investments OTHER INCOME TOTAL (A) (a) Fire Insurance (b) Marine Insurance (c) Miscellaneous Insurance OPERATING PROFIT/(LOSS) PARTICULARS (11.72) 107.11 1167.50 763.55) 739.84) (16100.07) 2010-11 (74552.13) (15920.90 (17.99 (16100.53) (11886.81) (8771.04 (11886.38 291.44 (2538.81) 45.230 (26991.98) (8771.96 1257.49 (7943.10 179.93) 2011-12 81.26) (32073.98 29.70 41.81 179.82 15.43) (12838.00) 52.46) (11886.93) (6187.22) (20673.86) 40.72 (12838.49) (691.36) (1.40 (4742.05 (2560.01) (31383.50 2216.22) (15446.41 81.14) 107.78 (18829.50 29.55) (15445.75) 177.74 107.32 144.36) (6187.81 81.96 2697.57) (4295.11 15.63 81.78) (27807.99 17.84 (7944.04 (11624.38) 739.70 125.04) (31733.22) (1.24) (15920.99 17.56) 8.75) 168.11 (18401.98 (7843.90 739.20) (35127.30) (23600.20) 2011-12 TOTAL (` Lakh) STATEMENT 65 ANNUAL REPORT 2011-12 .63) (43169.82 1182.04) (1.94 382.86) 676.03) 428.60) (257.56) 0.90 (18256.84) 2011-12 STAR HEALTH HEALTH INSURERS : SHAREHOLDERS ACCOUNT (43169.79) (11624.61 83.

05) 65169.33 26799.21 25209.77 6458.82 74552.09 (6829.00 2011 APOLLO MUNICH Cash & Bank Balance CURRENT ASSETS Deferred Tax Assets Fixed Assets Loans Investments APPLICATION OF FUNDS TOTAL Borrowings Deferred Tax Liability Fair Value Change Account Reserves & Surplus Share Application Money Share Capital SOURCES OF FUNDS PARTICULARS 27109.12 9854.06 6724.94 1556.59 (11704.83 38456.00 3.75 38370.07 27109.73 15329.07 33754.24 2012 STAR HEALTH 85924.06 691.51 13176.38 27877.53 6207.51 23597.20 6.77 9.47 10308.00 2011 TOTAL (` Lakh) STATEMENT 66 ANNUAL REPORT 2011-12 .86 2132.33 667.68) (22380.45 33.76 Sub-Total (A) Provisions 3799.45) 12209.54 44182.45 12626.07 128739.00 31733.00 2011 44182.55 2148.231 37521.25 16222.00 2011 2012 38456.77 Sub-Total (B) Net Current Assets (C)= (A-B) 12293.06 38007.19 1447.15 24586.52 TOTAL Note : Figures in brackets indicate negative values 26991.64 3844.27 102638.67 52170.86 20632.26 128739.62 44889.90 37146.12 30598.14 37521.84 23484.20 27807.20 3250.00 35200.06 36937.52 3250.40 10015.26 9234.21 66572.82 691.28 20299.14 19620.07 35845.45 9995.88 2115.42 53465.80 11516.28 67019.90 (16235.00 88542.43 18492.01) (19770.70 46101.38 17878.62 691.93 13046.18 18655.58 5380.95 17619.08 13983.14 4795.47 1596.85 23738.33 10308.82 Advances and Other Assets CURRENT LIABILITIES 5434.60 63544.03 42115.13 1388.48 10418.14 25465.50 61319.61 34015.32 6165.64 5485.00 2012 46101.00 MAX BUPA HEALTH INSURERS : BALANCE SHEET (AS ON 31st MARCH) 38007.52 23.60 4220.55 8099.77 15920.35 43169.77 27100.05 32749.65) 25469.28) 5684.06 257.45 6708.18 Profit & Loss Account (Debit Balance) Miscellaneous Expenditure (to the extent not written off or adjusted) 35993.35 691.53 (3569.45 10.45 16305.59 4087.62 15011.24 2012 102638.05 37721.19 1535.77 41941.18 22946.

24 Profit/ Loss on sale/redemption of Investments 346.Premium Deficiency (4819.21 (953.74 Operating Profit/(Loss) from Fire/Marine/Miscellaneous Business C= (A .81) 4686.50 18948.54 12669.63 TOTAL (A) 82095.Amortizations. Dividend & Rent – Gross 13662.ANNUAL REPORT 2011-12 STATEMENT 67 EXPORT CREDIT GUARANTEE CORPORATION OF INDIA LTD. Write offs & Provisions Foreign Taxes APPROPRIATIONS Transfer to Shareholders' Account Transfer to Catastrophe Reserve Transfer to Other Reserves TOTAL (C) Note : Figures in brackets indicate negative values 232 .23 145.56 Others 600.02 Interest.02) Operating Expenses related to Insurance Business 15147.46 Other .88 96219.39 79524.46 Claims Incurred (Net) 75743.87 67961.51) 16694.72 (3022. (ECGC): POLICYHOLDERS ACCOUNT (` Lakh) PARTICULARS 2010-11 2011-12 67486.91 500.72 (3022.25 76625.72 Premiums earned (Net) Commission Others.09 TOTAL (B) 85118.21) (5792.51) 16694.51) 16694.B) (3022.

98 12053.00 OTHER INCOME TOTAL (A) 1062.46 32772.39 10188.73 INCOME FROM INVESTMENTS (a) Interest.ANNUAL REPORT 2011-12 STATEMENT 68 EXPORT CREDIT GUARANTEE CORPORATION OF INDIA LTD.00 OTHER EXPENSES (a) Expenses other than those related to Insurance Business (b) Bad debts written off (c) Others TOTAL (B) Profit Before Tax Provision for Taxation Prior Period Adjustments Profit after Tax APPROPRIATIONS (a) Interim dividends paid during the year (b) Dividend distribution tax on Interim Dividends (b) Proposed final dividend (c) Dividend distribution tax (d) Transfer to any Reserves or Other Accounts Transfer to General Reserve Balance of Profit / Loss B/f from last year Balance C/f to Balance Sheet Note : Figures in brackets indicate negative values 233 285.00 438.63 3589.00 438.14 346.01 2700.73 16694.98 1.36 63.20 318.38 (393.04 22520.00 423.01 5534.43 124.01 .84 11762.00 1.08 33091.20 291.20) 8566.23 OPERATING PROFIT/(LOSS) (a) Fire Insurance (b) Marine Insurance (c) Miscellaneous Insurance PROVISIONS (Other than taxation) (a) For diminution in the value of investments (b) For doubtful debts (c) Others 6. (ECGC): SHAREHOLDERS ACCOUNT (` Lakh) PARTICULARS 2010-11 2011-12 (3022.83 131.51) 16694.51) (3022.03 1.23 16141.00 1.84 318. Dividend & Rent – Gross (b) Profit on sale of investments Less: Loss on sale of investments 13667.99 2610.03 16245.41 2700.

70 (124858) (139010) 404.90 124515.61 Cash & Bank Balance 87686.94 50485.28 216774.23 256927.88 7951.26 279739.63 SOURCES OF FUNDS Share Capital Reserves & Surplus Fair Value Change Account Borrowings Deferred Tax Liability TOTAL APPLICATION OF FUNDS Investments Loans Fixed Assets CURRENT ASSETS Provisions Sub-Total (B) Net Current Assets (C)= (A-B) Deferred Tax Assets Miscellaneous Expenditure (to the extent not written off or adjusted) Profit & Loss Account (Debit Balance) TOTAL 234 .00 108270.28 228781.62 316356.68 Advances and Other Assets 44382.18 90244.74 206222.37 2258.80 2036.98 50958.ANNUAL REPORT 2011-12 STATEMENT 69 EXPORT CREDIT GUARANTEE CORPORATION OF INDIA LTD (ECGC): BALANCE SHEET (AS ON 31st MARCH) (` Lakh) Particulars 2011 2012 90000.07 CURRENT LIABILITIES 208767.21 14319.47 48159.16 339043.39 Sub-Total (A) 132069.00 90000.28 216774.47 14704.12 140730.44 206222.