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 Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023
1	Employees’ remuneration & welfare benefits	6,071.93	7,946.37	211.10	287.19	194.25	271.21	405.36	558.40	2,641.32	3,530.98			2,641.32	3,530.98	2,418.64	2,909.11	207.71	275.33			2,626.35	3,184.44	17.97	22.40			786.49	1,034.17	342.25	555.44	2,278.38	3,029.06	368.80	497.80	89.56	130.19	343.46	457.72	9,494.58	12,442.20	733.04	911.81	16,704.91	21,858.77
2	Travel, conveyance and vehicle running expenses	66.51	109.45	2.21	3.96	1.97	3.74	4.19	7.69	28.25	48.64			28.25	48.64	28.83	40.07	2.24	3.79			31.08	43.86	0.21	0.31			8.57	14.24	2.77	7.65	24.53	41.72	3.90	6.86	0.86	1.79	3.69	6.30	103.85	171.38	8.46	12.56	183.02	301.08
3	Training expenses	14.83	29.49	0.47	1.07	0.40	1.01	0.88	2.07	6.15	13.10			6.15	13.10	6.96	10.80	0.49	1.02			7.45	11.82	0.05	0.08			1.90	3.84	0.39	2.06	5.37	11.24	0.84	1.85	0.17	0.48	0.80	1.70	23.12	46.18	1.99	3.38	40.81	81.13
4	Rents, rates & taxes	101.25	178.45	3.32	6.45	2.92	6.09	6.24	12.54	42.65	79.30			42.65	79.30	45.13	65.33	3.40	6.18			48.53	71.51	0.32	0.50			13.02	23.22	3.69	12.47	37.10	68.02	5.87	11.18	1.25	2.92	5.57	10.28	158.00	279.42	13.11	20.48	278.60	490.89
5	Repairs	257.02	538.36	8.04	19.46	6.82	18.37	14.86	37.83	105.69	239.22			105.69	239.22	123.47	197.09	8.50	18.65			131.98	215.74	0.85	1.52			32.89	70.06	5.63	37.63	92.54	205.22	14.36	33.73	2.72	8.82	13.86	31.01	400.53	842.95	34.94	61.77	707.36	1,480.92
6	Printing & stationery	5.63	9.28	0.19	0.34	0.17	0.32	0.35	0.65	2.39	4.12			2.39	4.12	2.44	3.40	0.19	0.32			2.63	3.72	0.02	0.03			0.73	1.21	0.23	0.65	2.07	3.54	0.33	0.58	0.07	0.15	0.31	0.53	8.79	14.53	0.72	1.06	15.48	25.52
7	Communication expenses	22.02	40.85	0.71	1.48	0.62	1.39	1.33	2.87	9.21	18.15			9.21	18.15	10.03	14.96	0.74	1.42			10.76	16.37	0.07	0.12			2.83	5.32	0.71	2.86	8.03	15.57	1.26	2.56	0.26	0.67	1.21	2.35	34.35	63.97	2.89	4.69	60.59	112.38
8	Legal & professional charges	352.86	580.06	11.74	20.96	10.47	19.80	22.21	40.76	149.92	257.75			149.92	257.75	152.91	212.35	11.90	20.10			164.81	232.45	1.10	1.64			45.47	75.49	14.71	40.54	130.12	221.11	20.70	36.34	4.58	9.50	19.56	33.41	550.97	908.24	44.89	66.56	970.93	1,595.61
9	Auditors' fees, expenses etc.							0	0					0	0							0	0																	0	0			0	0
	(a) as auditor	40.86	72.03	1.34	2.60	1.18	2.46	2.52	5.06	17.21	32.01			17.21	32.01	18.21	26.37	1.37	2.50			19.58	28.87	0.13	0.20			5.26	9.37	1.49	5.03	14.97	27.46	2.37	4.51	0.50	1.18	2.25	4.15	63.76	112.79	5.29	8.27	112.43	198.15
	(b) as adviser or in any other capacity, in respect of				0		0	0	0		0			0	0		0		0			0	0		0				0		0		0		0		0		0	0	0		0	0	0
	(i) Taxation matters	1.82	1.82	0.07	0.07	0.06	0.06	0.13	0.13	0.81	0.81			0.81	0.81	0.67	0.67	0.06	0.06			0.73	0.73	0.01	0.01			0.24	0.24	0.13	0.13	0.69	0.69	0.11	0.11	0.03	0.03	0.10	0.10	2.85	2.85	0.21	0.21	5.00	5.00
	(ii) Insurance matters	0	0	0	0	0	0	0	0	0	0			0	0	0	0	0	0			0	0	0	0			0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
	(iii) Management services; and	0	0	0	0	0	0	0	0	0	0			0	0	0	0	0	0			0	0	0	0			0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
	(c) in any other capacity	1.00	2.64	0.03	0.10	0.02	0.09	0.05	0.19	0.39	1.17			0.39	1.17	0.54	0.96	0.03	0.09			0.57	1.06	0.00	0.01			0.13	0.34	-0.00	0.18	0.35	1.00	0.05	0.17	0.01	0.04	0.05	0.15	1.55	4.13	0.15	0.30	2.75	7.25
10	Advertisement and publicity	179.73	219.71	6.32	7.94	5.86	7.50	12.17	15.44	78.65	97.63			78.65	97.63	69.97	80.43	6.17	7.61			76.14	88.05	0.52	0.62			23.31	28.59	10.81	15.36	67.74	83.75	11.01	13.76	2.73	3.60	10.22	12.66	281.14	344.02	21.40	25.21	494.44	604.37
11	Interest & Bank Charges	1,588.87	2,798.69	52.04	101.15	45.85	95.52	97.89	196.67	669.39	1,243.60			669.39	1,243.60	708.02	1,024.58	53.33	96.97			761.35	1,121.55	5.03	7.89			204.37	364.23	58.03	195.62	582.31	1,066.83	92.06	175.32	19.63	45.85	87.46	161.21	2,479.63	4,382.10	205.75	321.14	4,372.14	7,698.59
12	Depreciation	151.03	281.48	4.88	10.17	4.25	9.61	9.13	19.78	63.16	125.08			63.16	125.08	68.91	103.05	5.05	9.75			73.96	112.80	0.49	0.79			19.40	36.63	4.84	19.67	55.05	107.30	8.66	17.63	1.78	4.61	8.26	16.21	235.60	440.73	19.86	32.30	415.62	774.29
13	Brand/Trade Mark usage fee/charges		0		0		0	0	0		0			0	0		0		0			0	0		0				0		0		0		0		0		0	0	0		0	0	0
14	Business Development and Sales Promotion Expenses		0		0		0	0	0		0			0	0		0		0			0	0		0				0		0		0		0		0		0	0	0		0	0	0
15	Information Technology Expenses	1,000.30	1,386.73	34.43	50.12	31.46	47.33	65.90	97.45	432.78	616.20			432.78	616.20	406.56	507.67	34.11	48.05			440.67	555.72	3.00	3.91			129.41	180.47	52.98	96.93	373.84	528.61	60.28	86.87	14.34	22.72	56.32	79.88	1,563.62	2,171.31	122.27	159.12	2,752.08	3,814.61
16	Goods and Services Tax (GST)	78.87	114.00	2.69	4.12	2.45	3.89	5.14	8.01	33.98	50.66			33.98	50.66	32.54	41.74	2.68	3.95			35.22	45.69	0.24	0.32			10.19	14.84	3.97	7.97	29.39	43.46	4.72	7.14	1.11	1.87	4.42	6.57	123.25	178.50	9.73	13.08	216.99	313.59
17	Others (to be specified)a	210.74	393.28	6.80	14.21	5.93	13.42	12.73	27.64	88.11	174.76			88.11	174.76	96.21	143.98	7.04	13.63			103.25	157.60	0.68	1.11			27.06	51.18	6.73	27.49	76.81	149.91	12.07	24.64	2.49	6.44	11.53	22.65	328.73	615.79	27.72	45.13	579.92	1,081.84
														0	0							0	0																	0	0			0	0
														0	0							0	0																	0	0			0	0
	TOTAL	10,145.25	14,702.70	346.38	531.37	314.70	501.80	661.08	1,033.17	4,370.07	6,533.16	0		4,370.07	6,533.16	4,190.05	5,382.56	345.03	509.42			4,535.07	5,891.99	30.67	41.45			1,311.27	1,913.46	509.36	1,027.69	3,779.31	5,604.50	607.41	921.05	142.10	240.88	569.08	846.89	15,854.35	23,021.07	1,252.40	1,687.06	27,913.08	40,444.00
	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 Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022
1	Employees’ remuneration & welfare benefits	4,727.99	6,496.07	362.69	463.13	184.65	260.20	547.34	723.33	3,582.81	4,737.38			3,582.81	4,737.38	1,730.48	2,118.09	162.87	211.24			1,893.35	2,329.33	12.88	16.31			547.56	739.94	384.61	653.71	2,656.28	3,718.17	292.40	370.46	120.17	169.83	278.50	343.25	9,768.56	13,078.38	531.10	678.62	15,575.00	20,976.40
2	Travel, conveyance and vehicle running expenses	13.74	30.16	1.22	2.15	0.51	1.21	1.72	3.36	11.27	21.99			11.27	21.99	6.23	9.83	0.53	0.98			6.77	10.81	0.04	0.08			1.65	3.43	0.54	3.03	7.40	17.26	1.00	1.72	0.33	0.79	0.99	1.59	29.99	60.71	1.78	3.15	47.24	97.37
3	Training expenses	31.44	40.27	2.37	2.87	1.24	1.61	3.61	4.48	23.60	29.37			23.60	29.37	11.19	13.13	1.07	1.31			12.26	14.44	0.08	0.10			3.63	4.59	2.71	4.05	17.75	23.05	1.91	2.30	0.80	1.05	1.80	2.13	64.55	81.08	3.47	4.21	103.06	130.04
4	Rents, rates & taxes	77.19	175.93	6.93	12.54	2.83	7.05	9.76	19.59	63.82	128.30			63.82	128.30	35.72	57.36	3.02	5.72			38.74	63.09	0.25	0.44			9.30	20.04	2.68	17.70	41.40	100.70	5.67	10.03	1.83	4.60	5.68	9.30	169.36	354.20	10.14	18.38	266.46	568.10
5	Repairs	203.29	547.16	19.47	39.01	7.22	21.92	26.70	60.93	174.47	399.03			174.47	399.03	103.02	178.41	8.39	17.79			111.40	196.20	0.71	1.37			24.91	62.33	2.73	55.06	106.65	313.18	16.02	31.20	4.65	14.30	16.32	28.91	457.86	1,101.59	28.47	57.16	716.31	1,766.83
6	Printing & stationery	3.41	4.59	0.26	0.33	0.13	0.18	0.39	0.51	2.58	3.35			2.58	3.35	1.24	1.50	0.12	0.15			1.35	1.65	0.01	0.01			0.39	0.52	0.28	0.46	1.92	2.63	0.21	0.26	0.09	0.12	0.20	0.24	7.03	9.24	0.38	0.48	11.22	14.81
7	Communication expenses	23.68	41.77	1.95	2.98	0.90	1.67	2.85	4.65	18.65	30.46			18.65	30.46	9.65	13.62	0.86	1.36			10.52	14.98	0.07	0.10			2.79	4.76	1.45	4.20	13.04	23.91	1.58	2.38	0.58	1.09	1.54	2.21	50.22	84.09	2.85	4.36	79.60	134.87
8	Legal & professional charges	186.96	312.81	15.15	22.30	7.15	12.53	22.30	34.83	145.94	228.12			145.94	228.12	74.40	101.99	6.73	10.17			81.13	112.17	0.54	0.79			21.94	35.63	12.32	31.48	103.46	179.04	12.28	17.84	4.64	8.18	11.92	16.53	394.19	629.77	22.18	32.68	625.63	1,010.08
9	Auditors' fees, expenses etc.							0	0					0	0							0	0																	0	0			0	0
	(a) as auditor	30.25	61.53	2.61	4.39	1.13	2.46	3.74	6.85	24.45	44.87			24.45	44.87	13.21	20.06	1.15	2.00			14.35	22.06	0.09	0.15			3.61	7.01	1.43	6.19	16.43	35.22	2.13	3.51	0.73	1.61	2.11	3.25	65.32	123.88	3.82	6.43	103.13	198.69
	(b) as adviser or in any other capacity, in respect of							0	0					0	0							0	0																	0	0			0	0
	(i) Taxation matters	0.73	1.55	0.06	0.11	0.03	0.06	0.09	0.17	0.59	1.13			0.59	1.13	0.33	0.50	0.03	0.05			0.35	0.56	0.00	0.00			0.09	0.18	0.03	0.16	0.39	0.89	0.05	0.09	0.02	0.04	0.05	0.08	1.59	3.12	0.09	0.16	2.50	5.00
	(ii) Insurance matters	0	0	0	0	0	0	0	0	0	0			0	0	0	0	0	0			0	0	0	0			0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
	(iii) Management services; and	0	0	0	0	0	0	0	0	0	0			0	0	0	0	0	0			0	0	0	0			0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
	(c) in any other capacity	1.18	5.11	0.14	0.36	0.04	0.20	0.18	0.57	1.16	3.73			1.16	3.73	0.80	1.67	0.06	0.17			0.86	1.83	0.01	0.01			0.15	0.58	-0.08	0.51	0.57	2.92	0.12	0.29	0.02	0.13	0.13	0.27	2.93	10.29	0.21	0.53	4.50	16.50
10	Advertisement and publicity	103.69	137.41	7.88	9.80	4.06	5.50	11.94	15.30	78.19	100.21			78.19	100.21	37.41	44.80	3.55	4.47			40.96	49.27	0.28	0.34			11.98	15.65	8.69	13.83	58.40	78.65	6.35	7.84	2.65	3.59	6.03	7.26	213.51	276.65	11.54	14.35	340.68	443.72
11	Interest & Bank Charges	884.10	1,787.62	76.12	127.45	33.00	71.60	109.12	199.05	713.65	1,303.66			713.65	1,303.66	384.79	582.87	33.41	58.13			418.20	641.00	2.73	4.49			105.31	203.62	42.38	179.89	480.54	1,023.18	62.05	101.94	21.36	46.73	61.37	94.46	1,907.59	3,598.97	111.36	186.74	3,012.18	5,772.39
12	Depreciation	207.78	366.63	17.11	26.14	7.90	14.69	25.01	40.82	163.64	267.37			163.64	267.37	84.72	119.54	7.58	11.92			92.30	131.47	0.61	0.92			24.48	41.76	12.72	36.89	114.45	209.85	13.90	20.91	5.12	9.59	13.56	19.37	440.76	738.13	25.05	38.30	698.61	1,183.89
13	Brand/Trade Mark usage fee/charges							0	0					0	0							0	0																	0	0			0	0
14	Business Development and Sales Promotion Expenses							0	0					0	0							0	0																	0	0			0	0
15	Information Technology Expenses	267.97	802.38	26.85	57.21	9.31	32.14	36.15	89.34	236.18	585.15			236.18	585.15	144.46	261.62	11.47	26.09			155.94	287.72	0.98	2.01			33.25	91.40	-0.59	80.74	138.30	459.26	22.16	45.76	5.97	20.98	22.83	42.40	615.00	1,615.42	39.23	83.82	958.35	2,590.97
16	Goods and Services Tax (GST)	32.69	117.40	3.56	8.37	1.08	4.70	4.64	13.07	30.30	85.61			30.30	85.61	19.71	38.28	1.50	3.82			21.21	42.10	0.13	0.29			4.16	13.37	-1.08	11.81	16.32	67.20	2.96	6.69	0.69	3.07	3.10	6.20	77.79	236.35	5.20	12.26	120.32	379.09
17	Others (to be specified)a	217.02	569.53	20.58	40.60	7.75	22.81	28.33	63.42	185.15	415.34			185.15	415.34	108.42	185.70	8.88	18.52			117.30	204.22	0.75	1.43			26.52	64.87	3.66	57.31	114.27	325.98	16.92	32.48	4.99	14.89	17.18	30.09	486.73	1,146.61	30.09	59.50	762.17	1,839.05
														0	0							0	0																	0	0			0	0
														0	0							0	0																	0	0			0	0
	TOTAL	7,013.12	11,497.91	564.96	819.73	268.93	460.55	833.88	1,280.28	5,456.46	8,385.07			5,456.46	8,385.07	2,765.79	3,748.98	251.20	373.90			3,017.00	4,122.87	20.16	28.87			821.69	1,309.69	474.48	1,157.05	3,887.57	6,581.08	457.70	655.71	174.62	300.59	443.30	607.54	14,752.98	23,148.48	826.96	1,201.14	23,426.95	37,127.81
	In India													0	0
	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"