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-Jun-19		30-Jun-18
A )	CASH FLOW FROM OPERATING ACTIVITIES
	Net Profit before taxation as per Profit & Loss A/c			1389 033		10297 445
	Adjustments for:
	Exchange -Loss/Gain charged		-392 126		-2813 112
	Provision for diminution in value of investment		0		0
	Provision for doubtful loans, investments & Debts		4029 589		481 817
	Amortisation of Premium on Investment		73 986		79 447
	Depreciation		42 467		18 853
	-Profit /Loss on sale of Assets		- 31		- 7
	Provision for Leave Encashment & Salary Arrears		-43 122		-14 021
	Sundry Balances Written off/ -back		0	3710 763	0	-2247 023
	Operating Profit before working capital changes			5099 796		8050 422
	Changes in Unexpired Risk Reserves		29069 421		27373 881
	Changes in Premium Deficiency Reserve		139 820		90 385
	Changes in Provisions for Outstanding Claims		77989 331		72539 197
	Changes in Income accrued on Investments		-492 329		-668 078
	Changes in Balances with Insurance Companies		-90862 477		-91866 609
	Changes in Advance and Deposits		229 180		-535 003
	Changes in other Current Liabilities		-1493 905	14579 041	-574 229	6359 544
	Cash generated from operations			19678 837		14409 966
	Income Tax Paid (Net)			-3011 196		-1366 862
	Net Cash from Operating Activities			16667 641		13043 104
B )	CASH FLOWS FROM INVESTING ACTIVITIES
	Purchase of Fixed Assets			-3 868		-15 700
	Proceeds from sale of Fixed Assets			181		- 53
	Foreign Currency Translation Reserve			-1133 951		913 790
	Changes in net Investments			-7602 390		-33349 679
	Net Cash used in Investing Activities			-8740 028		-32451 642
C )	CASH FLOWS FROM FINANCING ACTIVITIES
	Dividend Paid			0		0
	Dividend Tax Paid			0		0
	Net Cash from Financing Activities			0		0
D)	Effect of Foreign Exchange on Cash & Cash equivalents(Net)			392 126		2813 112
	Net increase in Cash and Cash equivalents (A+B+C+D)			8319 739		-16595 425
	Cash and Cash equivalents at beginning of period			128479 085		141716 159
	Cash and Cash equivalents at the end of period			136798 824		125120 734