FORM NL-20-RECEIPT AND PAYMENTS SCHEDULE
	Format of Receipts and Payments A/c to be furnished by the insurers on direct basis
				(` in  '000)		(` '000)
			30-Sep-18		30-Sep-17
A )	CASH FLOW FROM OPERATING ACTIVITIES
	Net Profit before taxation as per Profit & Loss A/c			11996 353		23090 680
	Adjustments for:
	Exchange -Loss/Gain charged		-6356 670		-321 854
	Provision for diminution in value of investment		0		0
	Provision for doubtful loans, investments & Debts		1387 836		1907 000
	Amortisation of Premium on Investment		155 979		111 554
	Depreciation		56 637		36 220
	-Profit /Loss on sale of Assets		230		21
	Provision for Leave Encashment & Salary Arrears		19 204		-6 866
	Sundry Balances Written off/ -back		0	-4736 784	0	1726 075
	Operating Profit before working capital changes			7259 569		24816 755
	Changes in Unexpired Risk Reserves		-4800 527		3922 739
	Changes in Premium Deficiency Reserve		74 510		0
	Changes in Provisions for Outstanding Claims		81760 011		90956 312
	Changes in Income accrued on Investments		-1184 251		-518 479
	Changes in Balances with Insurance Companies		-53120 141		-72029 134
	Changes in Advance and Deposits		-3261 616		1630 262
	Changes in other Current Liabilities		907 600	20375 586	767 721	24729 421
	Cash generated from operations			27635 155		49546 176
	Income Tax Paid (Net)			-1400 270		-4244 093
	Net Cash from Operating Activities			26234 885		45302 083
B )	CASH FLOWS FROM INVESTING ACTIVITIES
	Purchase of Fixed Assets			-237 981		-3 370
	Proceeds from sale of Fixed Assets			993		- 201
	Foreign Currency Translation Reserve			3656 360		2250 887
	Changes in net Investments			-42323 990		-25092 985
	Net Cash used in Investing Activities			-38904 618		-22845 669
C )	CASH FLOWS FROM FINANCING ACTIVITIES
	Dividend Paid			-11842 200		-10020 000
	Dividend Tax Paid			-2434 283		-2039 872
	Net Cash from Financing Activities			-14276 483		-12059 872
D)	Effect of Foreign Exchange on Cash & Cash equivalents(Net)			6356 670		321 854
	Net increase in Cash and Cash equivalents (A+B+C+D)			-20589 546		10718 397
	Cash and Cash equivalents at beginning of period			141716 159		121907 652
	Cash and Cash equivalents at the end of period			121126 613		132626 050