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