FORM NL-7-OPERATING EXPENSES SCHEDULE
		(Amount in Rs. Lakhs)
										Miscellaneous
	Particulars	FIRE		Marine Cargo		Marine Hull		Total Marine		Motor OD		Motor TP		Total Motor		Health		Personal Accident		Travel Insurance		Total Health		Workmen’s Compensation/ Employer’s Liability		Public/ Product Liability		Engineering		Aviation		Crop Insurance		Liability		FL/ Credit		Other Miscellaneous segment		Total Miscellaneous		Life Insurance		Grand Total	Grand Total
		For the Quarter 30.09.2021	Up to the quarter 30.09.2021	For the Quarter 30.09.2021	Up to the quarter 30.09.2021	For the Quarter 30.09.2021	Up to the quarter 30.09.2021	For the Quarter 30.09.2021	Up to the quarter 30.09.2021	For the Quarter 30.09.2021	Up to the quarter 30.09.2021	For the Quarter 30.09.2021	Up to the quarter 30.09.2021	For the Quarter 30.09.2021	Up to the quarter 30.09.2021	For the Quarter 30.09.2021	Up to the quarter 30.09.2021	For the Quarter 30.09.2021	Up to the quarter 30.09.2021	For the Quarter 30.09.2021	Up to the quarter 30.09.2021	For the Quarter 30.09.2021	Up to the quarter 30.09.2021	For the Quarter 30.09.2021	Up to the quarter 30.09.2021	For the Quarter 30.09.2021	Up to the quarter 30.09.2021	For the Quarter 30.09.2021	Up to the quarter 30.09.2021	For the Quarter 30.09.2021	Up to the quarter 30.09.2021	For the Quarter 30.09.2021	Up to the quarter 30.09.2021	For the Quarter 30.09.2021	Up to the quarter 30.09.2021	For the Quarter 30.09.2021	Up to the quarter 30.09.2021	For the Quarter 30.09.2021	Up to the quarter 30.09.2021	For the Quarter 30.09.2021	Up to the quarter 30.09.2021	For the Quarter 30.09.2021	Up to the quarter 30.09.2021	For the Quarter 30.09.2021	Up to the quarter 30.09.2021
1	Employees’ remuneration & welfare benefits	1,138.79	1,768.08	63.72	100.44	43.97	75.54	107.69	175.99	800.05	1,154.57			800.05	1,154.57	302.09	387.61	36.80	48.37			338.89	435.98	2.25	3.43			111.07	192.39	177.60	269.09	398.42	1,061.89	54.70	78.06	39.68	49.66	31.69	64.75	1,954.35	3,309.83	95.91	147.51	3,296.74	5,401.40
2	Travel, conveyance and vehicle running expenses	14.35	16.41	0.81	0.93	0.60	0.70	1.41	1.63	9.55	10.72			9.55	10.72	3.32	3.60	0.41	0.45			3.73	4.05	0.03	0.03			1.52	1.79	2.20	2.50	7.68	9.86	0.65	0.72	0.43	0.46	0.49	0.60	26.27	30.72	1.20	1.37	43.23	50.14
3	Training expenses	4.11	8.83	0.23	0.50	0.14	0.38	0.37	0.88	3.11	5.77			3.11	5.77	1.29	1.94	0.15	0.24			1.45	2.18	0.01	0.02			0.35	0.96	0.66	1.34	0.33	5.30	0.21	0.39	0.17	0.25	0.08	0.32	6.36	16.53	0.35	0.74	11.19	26.98
4	Rents, rates & taxes	58.39	98.74	3.25	5.61	2.19	4.22	5.45	9.83	41.75	64.48			41.75	64.48	16.16	21.65	1.96	2.70			18.12	24.35	0.12	0.19			5.53	10.74	9.16	15.03	16.76	59.30	2.86	4.36	2.13	2.77	1.50	3.62	97.93	184.84	4.93	8.24	166.70	301.64
5	Repairs	160.38	343.87	8.83	19.54	5.49	14.69	14.31	34.23	121.18	224.55			121.18	224.55	50.45	75.39	6.03	9.41			56.48	84.79	0.32	0.67			13.71	37.42	25.66	52.34	13.07	206.53	8.37	15.18	6.75	9.66	2.95	12.59	248.49	643.73	13.64	28.69	436.83	1,050.52
6	Printing & stationery	1.08	1.18	0.06	0.07	0.05	0.05	0.11	0.12	0.72	0.77			0.72	0.77	0.25	0.26	0.03	0.03			0.28	0.29	0.00	0.00			0.12	0.13	0.17	0.18	0.61	0.71	0.05	0.05	0.03	0.03	0.04	0.04	2.00	2.21	0.09	0.10	3.28	3.60
7	Communication expenses	1.27	18.09	0.05	1.03	(0.07)	0.77	(0.02)	1.80	2.34	11.81			2.34	11.81	1.68	3.97	0.19	0.49			1.87	4.46	0.00	0.04			(0.21)	1.97	0.31	2.75	(6.87)	10.87	0.17	0.80	0.24	0.51	(0.22)	0.66	(2.37)	33.87	0.13	1.51	(0.99)	55.27
8	Legal & professional charges	70.98	125.85	3.95	7.15	2.62	5.38	6.57	12.53	51.27	82.18			51.27	82.18	20.13	27.59	2.43	3.44			22.57	31.03	0.14	0.24			6.60	13.69	11.18	19.15	17.74	75.58	3.52	5.56	2.66	3.53	1.73	4.61	117.41	235.58	6.00	10.50	200.96	384.45
9	Auditors' fees, expenses etc.							-	-					-	-							-	-																	-	-			-	-
	(a) as auditor	25.61	31.28	1.45	1.78	1.05	1.34	2.50	3.11	17.23	20.43			17.23	20.43	6.09	6.86	0.75	0.86			6.84	7.71	0.05	0.06			2.67	3.40	3.94	4.76	12.81	18.79	1.17	1.38	0.79	0.88	0.85	1.15	46.34	58.56	2.14	2.61	76.59	95.56
	(b) as adviser or in any other capacity, in respect of				-		-	-	-		-			-	-		-		-			-	-		-				-		-		-		-		-		-	-	-		-	-	-
	(i) Taxation matters	0.82	0.82	0.05	0.05	0.03	0.03	0.08	0.08	0.53	0.53			0.53	0.53	0.18	0.18	0.02	0.02			0.20	0.20	0.00	0.00			0.09	0.09	0.12	0.12	0.49	0.49	0.04	0.04	0.02	0.02	0.03	0.03	1.53	1.53	0.07	0.07	2.50	2.50
	(ii) Insurance matters	-	-	-	-	-	-	-	-	-	-			-	-	-	-	-	-			-	-	-	-			-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
	(iii) Management services; and	-	-	-	-	-	-	-	-	-	-			-	-	-	-	-	-			-	-	-	-			-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
	(c) in any other capacity	3.93	3.93	0.22	0.22	0.17	0.17	0.39	0.39	2.57	2.57			2.57	2.57	0.86	0.86	0.11	0.11			0.97	0.97	0.01	0.01			0.43	0.43	0.60	0.60	2.36	2.36	0.17	0.17	0.11	0.11	0.14	0.14	7.35	7.35	0.33	0.33	12.00	12.00
10	Advertisement and publicity	23.28	33.73	1.31	1.92	0.92	1.44	2.22	3.36	16.14	22.02			16.14	22.02	5.97	7.39	0.73	0.92			6.70	8.32	0.05	0.07			2.32	3.67	3.61	5.13	9.24	20.26	1.10	1.49	0.78	0.95	0.69	1.24	40.63	63.13	1.96	2.81	68.09	103.03
11	Interest & Bank Charges	552.17	903.52	30.82	51.33	20.98	38.60	51.80	89.93	392.07	590.01			392.07	590.01	150.33	198.07	18.26	24.72			168.58	222.79	1.09	1.75			52.91	98.31	86.43	137.51	172.21	542.64	26.85	39.89	19.81	25.38	14.63	33.09	934.58	1,691.38	46.57	75.38	1,585.13	2,760.21
12	Depreciation	60.77	158.85	3.30	9.02	1.87	6.79	5.17	15.81	48.47	103.73			48.47	103.73	21.50	34.82	2.54	4.35			24.04	39.17	0.12	0.31			4.61	17.28	9.92	24.18	(8.01)	95.40	3.37	7.01	2.91	4.46	0.66	5.82	86.10	297.37	5.21	13.25	157.24	485.28
13	Brand/Trade Mark usage fee/charges		-		-		-	-	-		-			-	-		-		-			-	-		-				-		-		-		-		-		-	-	-		-	-	-
14	Business Development and Sales Promotion Expenses		-		-		-	-	-		-			-	-		-		-			-	-		-				-		-		-		-		-		-	-	-		-	-	-
15	Information Technology Expenses	215.42	534.41	11.74	30.36	6.83	22.83	18.57	53.19	169.27	348.98			169.27	348.98	73.81	117.16	8.75	14.62			82.56	131.78	0.44	1.04			16.93	58.15	34.96	81.34	(15.36)	320.96	11.75	23.59	9.95	15.01	2.81	19.57	313.31	1,000.42	18.43	44.59	565.74	1,632.62
16	Goods and Services Tax (GST)	25.00	84.70	1.33	4.81	0.62	3.62	1.95	8.43	21.68	55.31			21.68	55.31	10.46	18.57	1.22	2.32			11.67	20.89	0.05	0.16			1.50	9.22	4.21	12.89	(12.08)	50.87	1.52	3.74	1.43	2.38	(0.04)	3.10	29.96	158.57	2.17	7.07	59.08	258.77
17	Others (to be specified)a	262.60	352.50	14.78	20.03	10.55	15.06	25.33	35.09	179.54	230.19			179.54	230.19	65.06	77.28	7.99	9.64			73.05	86.92	0.51	0.68			26.74	38.36	40.58	53.65	116.92	211.71	12.23	15.56	8.48	9.90	8.19	12.91	466.23	659.88	22.04	29.41	776.19	1,076.88
														-	-							-	-																	-	-			-	-
														-	-							-	-																	-	-			-	-
	TOTAL	2,618.95	4,484.79	145.89	254.78	98.01	191.62	243.90	446.40	1,877.45	2,928.61	0		1,877.45	2,928.61	729.62	983.18	88.38	122.69			818.00	1,105.88	5.19	8.70			246.88	488.00	411.29	682.57	726.32	2,693.51	128.75	198.01	96.38	125.97	66.21	164.24	4,376.46	8,395.50	221.17	374.17	7,460.49	13,700.86
	In India
	Outside India
		Notes: (a) Items of expenses in excess of one percent of the total premiums (less reinsurance) or Rs.5,00,000 whichever is higher, shall be shown as a separate line item. (b) Separate disclosure to be made for segment/sub-segment which contributes more than 10 percent of the total gross direct premium (c) Expenses paid for various outsourcing activities/arrangements are to be booked under relevant line item on the basis of nature of services availed and not to be shown as "Outsourcing Expense"
										Miscellaneous
	Particulars	FIRE		Marine Cargo		Marine Hull		Total Marine		Motor OD		Motor TP		Total Motor		Health		Personal Accident		Travel Insurance		Total Health		Workmen’s Compensation/ Employer’s Liability		Public/ Product Liability		Engineering		Aviation		Crop Insurance		Liability		FL/ Credit		Other Miscellaneous segment		Total Miscellaneous		Life Insurance		Grand Total	Grand Total
		For the corresponding quarter of the previous year  30.09.2020	up to the Quarter of the previous year 30.09.2020	For the corresponding quarter of the previous year  30.09.2020	up to the Quarter of the previous year 30.09.2020	For the corresponding quarter of the previous year  30.09.2020	up to the Quarter of the previous year 30.09.2020	For the corresponding quarter of the previous year  30.09.2020	up to the Quarter of the previous year 30.09.2020	For the corresponding quarter of the previous year  30.09.2020	up to the Quarter of the previous year 30.09.2020	For the corresponding quarter of the previous year  30.09.2020	up to the Quarter of the previous year 30.09.2020	For the corresponding quarter of the previous year  30.09.2020	up to the Quarter of the previous year 30.09.2020	For the corresponding quarter of the previous year  30.09.2020	up to the Quarter of the previous year 30.09.2020	For the corresponding quarter of the previous year  30.09.2020	up to the Quarter of the previous year 30.09.2020	For the corresponding quarter of the previous year  30.09.2020	up to the Quarter of the previous year 30.09.2020	For the corresponding quarter of the previous year  30.09.2020	up to the Quarter of the previous year 30.09.2020	For the corresponding quarter of the previous year  30.09.2020	up to the Quarter of the previous year 30.09.2020	For the corresponding quarter of the previous year  30.09.2020	up to the Quarter of the previous year 30.09.2020	For the corresponding quarter of the previous year  30.09.2020	up to the Quarter of the previous year 30.09.2020	For the corresponding quarter of the previous year  30.09.2020	up to the Quarter of the previous year 30.09.2020	For the corresponding quarter of the previous year  30.09.2020	up to the Quarter of the previous year 30.09.2020	For the corresponding quarter of the previous year  30.09.2020	up to the Quarter of the previous year 30.09.2020	For the corresponding quarter of the previous year  30.09.2020	up to the Quarter of the previous year 30.09.2020	For the corresponding quarter of the previous year  30.09.2020	up to the Quarter of the previous year 30.09.2020	For the corresponding quarter of the previous year  30.09.2020	up to the Quarter of the previous year 30.09.2020	For the corresponding quarter of the previous year  30.09.2020	up to the Quarter of the previous year 30.09.2020	For the corresponding quarter of the previous year  30.09.2020	up to the Quarter of the previous year 30.09.2020
1	Employees’ remuneration & welfare benefits	681.70	1,396.73	40.12	97.67	57.06	79.44	97.18	177.11	352.61	692.32			352.61	692.32	341.13	499.06	28.47	60.24			369.59	559.30	0.93	5.40			60.58	155.69	70.16	201.71	(204.09)	853.75	16.64	62.66	19.14	31.27	12.93	78.46	698.49	2,640.57	33.12	83.99	1,510.50	4,298.40
2	Travel, conveyance and vehicle running expenses	5.28	6.24	0.36	0.44	0.32	0.36	0.68	0.79	2.64	3.09			2.64	3.09	2.02	2.23	0.23	0.27			2.24	2.50	0.02	0.02			0.57	0.70	0.72	0.90	2.39	3.82	0.22	0.28	0.12	0.14	0.26	0.35	9.18	11.80	0.31	0.38	15.44	19.21
3	Training expenses	1.30	1.42	0.09	0.10	0.08	0.08	0.17	0.18	0.65	0.71			0.65	0.71	0.48	0.51	0.06	0.06			0.54	0.57	0.00	0.01			0.14	0.16	0.18	0.21	0.69	0.87	0.06	0.06	0.03	0.03	0.07	0.08	2.36	2.69	0.08	0.09	3.90	4.38
4	Rents, rates & taxes	53.35	86.78	3.38	6.07	3.89	4.94	7.27	11.00	27.13	43.01			27.13	43.01	23.62	31.01	2.26	3.74			25.88	34.75	0.13	0.34			5.23	9.67	6.38	12.53	3.58	53.04	1.74	3.89	1.38	1.94	1.81	4.87	73.26	164.06	2.84	5.22	136.71	267.06
5	Repairs	161.32	298.48	9.83	20.87	12.68	16.98	22.52	37.85	82.78	147.95			82.78	147.95	76.35	106.65	6.78	12.87			83.13	119.52	0.30	1.15			15.03	33.27	17.87	43.10	(20.47)	182.44	4.56	13.39	4.36	6.68	4.20	16.77	191.75	564.28	8.19	17.95	383.77	918.55
6	Printing & stationery	0.32	0.44	0.02	0.03	0.02	0.02	0.04	0.06	0.16	0.22			0.16	0.22	0.13	0.16	0.01	0.02			0.14	0.17	0.00	0.00			0.03	0.05	0.04	0.06	0.10	0.27	0.01	0.02	0.01	0.01	0.01	0.02	0.52	0.82	0.02	0.03	0.90	1.34
7	Communication expenses	10.58	14.09	0.70	0.99	0.69	0.80	1.39	1.79	5.32	6.99			5.32	6.99	4.26	5.04	0.45	0.61			4.71	5.64	0.03	0.05			1.10	1.57	1.39	2.04	3.42	8.61	0.41	0.63	0.26	0.32	0.47	0.79	17.10	26.65	0.60	0.85	29.67	43.37
8	Legal & professional charges	72.44	117.56	4.59	8.22	5.27	6.69	9.86	14.91	36.84	58.27			36.84	58.27	32.04	42.01	3.07	5.07			35.10	47.08	0.17	0.45			7.10	13.10	8.68	16.98	5.11	71.86	2.37	5.27	1.87	2.63	2.47	6.60	99.71	222.25	3.86	7.07	185.87	361.79
9	Auditors' fees, expenses etc.							-	-					-	-							-	-																	-	-			-	-
	(a) as auditor	28.06	44.21	1.79	3.09	2.01	2.51	3.80	5.61	14.24	21.91			14.24	21.91	12.23	15.80	1.19	1.91			13.42	17.70	0.07	0.17			2.78	4.93	3.41	6.38	3.13	27.02	0.94	1.98	0.72	0.99	1.00	2.48	39.71	83.57	1.51	2.66	73.08	136.04
	(b) as adviser or in any other capacity, in respect of							-	-					-	-							-	-																	-	-			-	-
	(i) Taxation matters	-	-	-	-	-	-	-	-	-	-			-	-	-	-	-	-			-	-	-	-			-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
	(ii) Insurance matters	-	-	-	-	-	-	-	-	-	-			-	-	-	-	-	-			-	-	-	-			-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
	(iii) Management services; and	-	-	-	-	-	-	-	-	-	-			-	-	-	-	-	-			-	-	-	-			-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
	(c) in any other capacity	1.75	1.75	0.12	0.12	0.10	0.10	0.22	0.22	0.87	0.87			0.87	0.87	0.63	0.63	0.08	0.08			0.70	0.70	0.01	0.01			0.20	0.20	0.25	0.25	1.07	1.07	0.08	0.08	0.04	0.04	0.10	0.10	3.31	3.31	0.11	0.11	5.39	5.39
10	Advertisement and publicity	22.08	36.50	1.39	2.55	1.62	2.08	3.02	4.63	11.24	18.09			11.24	18.09	9.86	13.04	0.93	1.57			10.79	14.61	0.05	0.14			2.15	4.07	2.62	5.27	0.98	22.31	0.71	1.64	0.57	0.82	0.73	2.05	29.84	69.00	1.17	2.19	56.10	112.31
11	Interest & Bank Charges	796.35	1,145.81	52.00	80.12	54.23	65.17	106.23	145.29	401.92	567.95			401.92	567.95	332.22	409.41	33.89	49.42			366.11	458.83	2.24	4.43			81.24	127.72	101.18	165.47	183.37	700.38	28.91	51.40	19.73	25.65	32.34	64.36	1,217.03	2,166.20	44.04	68.90	2,163.65	3,526.20
12	Depreciation	132.72	219.02	8.37	15.31	9.76	12.46	18.13	27.77	67.56	108.56			67.56	108.56	59.20	78.26	5.61	9.45			64.81	87.70	0.31	0.85			12.94	24.41	15.75	31.63	6.21	133.87	4.27	9.83	3.44	4.90	4.39	12.30	179.68	414.06	7.03	13.17	337.56	674.01
13	Brand/Trade Mark usage fee/charges							-	-					-	-							-	-																	-	-			-	-
14	Business Development and Sales Promotion Expenses							-	-					-	-							-	-																	-	-			-	-
15	Information Technology Expenses	127.62	313.81	6.96	21.94	12.02	17.85	18.98	39.79	67.09	155.55			67.09	155.55	71.00	112.13	5.26	13.54			76.26	125.66	0.05	1.21			10.21	34.98	11.06	45.32	(83.65)	191.82	2.09	14.08	3.87	7.03	0.56	17.63	87.55	593.27	5.62	18.87	239.77	965.74
16	Goods and Services Tax (GST)	33.90	91.28	1.77	6.38	3.40	5.19	5.16	11.57	17.99	45.24			17.99	45.24	19.94	32.61	1.39	3.94			21.33	36.55	(0.01)	0.35			2.54	10.17	2.63	13.18	(29.09)	55.79	0.40	4.10	1.07	2.04	(0.13)	5.13	16.73	172.57	1.41	5.49	57.20	280.91
17	Others (to be specified)a	133.05	222.88	8.36	15.58	9.86	12.68	18.22	28.26	67.80	110.47			67.80	110.47	59.80	79.64	5.62	9.61			65.42	89.25	0.30	0.86			12.90	24.84	15.66	32.19	3.34	136.23	4.22	10.00	3.47	4.99	4.29	12.52	177.38	421.36	7.01	13.40	335.66	685.90
														-	-							-	-																	-	-			-	-
														-	-							-	-																	-	-			-	-
	TOTAL	2,261.82	3,996.98	139.85	279.49	173.02	227.34	312.87	506.83	1,156.83	1,981.19			1,156.83	1,981.19	1,044.89	1,428.15	95.28	172.40			1,140.17	1,600.55	4.60	15.47			214.74	445.54	257.99	577.21	(123.93)	2,443.16	67.63	179.32	60.05	89.49	65.49	224.52	2,843.58	7,556.45	116.92	240.36	5,535.18	12,300.62
	In India													-	-
	Outside India
		Notes: (a) Items of expenses in excess of one percent of the total premiums (less reinsurance) or Rs.5,00,000 whichever is higher, shall be shown as a separate line item. (b) Separate disclosure to be made for segment/sub-segment which contributes more than 10 percent of the total gross direct premium (c) Expenses paid for various outsourcing activities/arrangements are to be booked under relevant line item on the basis of nature of services availed and not to be shown as "Outsourcing Expense"