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)
			31-Mar-19		31-Mar-18
A )	CASH FLOW FROM OPERATING ACTIVITIES
	Net Profit before taxation as per Profit & Loss A/c			34338 236		36682 560
	Adjustments for:
	Exchange -Loss/Gain charged		-3007 466		763 575
	Provision for diminution in value of investment		1618 482		203 200
	Provision for doubtful loans, investments & Debts		5814 939		1289 539
	Amortisation of Premium on Investment		304 671		260 835
	Depreciation		139 898		74 035
	-Profit /Loss on sale of Assets		199		27
	Provision for Leave Encashment & Salary Arrears		-51 582		49 161
	Sundry Balances Written off/ -back		0	4819 141	0	2640 372
	Operating Profit before working capital changes			39157 377		39322 932
	Changes in Unexpired Risk Reserves		13168 870		-4615 967
	Changes in Premium Deficiency Reserve		52 944		0
	Changes in Provisions for Outstanding Claims		43562 620		116015 890
	Changes in Income accrued on Investments		-1001 372		-1034 517
	Changes in Balances with Insurance Companies		-14794 975		-50141 789
	Changes in Advance and Deposits		612 659		-11313 021
	Changes in other Current Liabilities		2743 363	44344 109	2394 271	51304 867
	Cash generated from operations			83501 486		90627 799
	Income Tax Paid (Net)			-13341 384		-4007 266
	Net Cash from Operating Activities			70160 102		86620 533
B )	CASH FLOWS FROM INVESTING ACTIVITIES
	Purchase of Fixed Assets			-398 302		-151 543
	Proceeds from sale of Fixed Assets			3 124		1 818
	Foreign Currency Translation Reserve			898 590		4485 053
	Changes in net Investments			-72631 571		-58323 907
	Net Cash used in Investing Activities			-72128 159		-53988 579
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)			3007 466		-763 575
	Net increase in Cash and Cash equivalents (A+B+C+D)			-13237 074		19808 507
	Cash and Cash equivalents at beginning of period			141716 159		121907 652
	Cash and Cash equivalents at the end of period			128479 085		141716 159