s	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 30.09.2022	Up to the quarter 30.09.2022	For the Quarter 30.09.2022	Up to the quarter 30.09.2022	For the Quarter 30.09.2022	Up to the quarter 30.09.2022	For the Quarter 30.09.2022	Up to the quarter 30.09.2022	For the Quarter 30.09.2022	Up to the quarter 30.09.2022	For the Quarter 30.09.2022	Up to the quarter 30.09.2022	For the Quarter 30.09.2022	Up to the quarter 30.09.2022	For the Quarter 30.09.2022	Up to the quarter 30.09.2022	For the Quarter 30.09.2022	Up to the quarter 30.09.2022	For the Quarter 30.09.2022	Up to the quarter 30.09.2022	For the Quarter 30.09.2022	Up to the quarter 30.09.2022	For the Quarter 30.09.2022	Up to the quarter 30.09.2022	For the Quarter 30.09.2022	Up to the quarter 30.09.2022	For the Quarter 30.09.2022	Up to the quarter 30.09.2022	For the Quarter 30.09.2022	Up to the quarter 30.09.2022	For the Quarter 30.09.2022	Up to the quarter 30.09.2022	For the Quarter 30.09.2022	Up to the quarter 30.09.2022	For the Quarter 30.09.2022	Up to the quarter 30.09.2022	For the Quarter 30.09.2022	Up to the quarter 30.09.2022	For the Quarter 30.09.2022	Up to the quarter 30.09.2022	For the Quarter 30.09.2022	Up to the quarter 30.09.2022	For the Quarter 30.09.2022	Up to the quarter 30.09.2022
1	Employees’ remuneration & welfare benefits	1,452.52	1,874.44	56.65	76.09	62.86	76.95	119.52	153.04	681.50	889.66			681.50	889.66	423.21	490.47	54.64	67.62			477.85	558.09	3.52	4.43			191.02	247.67	164.50	213.19	497.70	750.69	95.92	129.00	32.82	40.63	96.01	114.26	2,240.84	2,947.62	145.42	178.77	3,958.29	5,153.87
2	Travel, conveyance and vehicle running expenses	32.02	42.94	1.24	1.74	1.40	1.76	2.64	3.51	14.99	20.38			14.99	20.38	9.49	11.24	1.21	1.55			10.71	12.78	0.08	0.10			4.21	5.67	3.62	4.88	10.65	17.20	2.10	2.96	0.73	0.93	2.14	2.62	49.22	67.52	3.23	4.10	87.11	118.06
3	Training expenses	10.65	14.66	0.41	0.60	0.47	0.60	0.88	1.20	4.98	6.96			4.98	6.96	3.20	3.84	0.41	0.53			3.60	4.37	0.03	0.03			1.40	1.94	1.20	1.67	3.47	5.87	0.69	1.01	0.24	0.32	0.72	0.89	16.33	23.06	1.08	1.40	28.94	40.32
4	Rents, rates & taxes	44.77	77.21	1.64	3.13	2.09	3.17	3.73	6.30	20.64	36.65			20.64	36.65	15.03	20.20	1.79	2.79			16.82	22.99	0.11	0.18			5.85	10.20	5.04	8.78	11.47	30.92	2.77	5.31	1.07	1.67	3.30	4.71	67.07	121.41	4.80	7.36	120.36	212.29
5	Repairs	127.19	281.34	4.32	11.42	6.40	11.55	10.72	22.97	57.48	133.53			57.48	133.53	49.04	73.62	5.41	10.15			54.45	83.77	0.33	0.67			16.47	37.17	14.21	32.00	20.24	112.67	7.28	19.36	3.24	6.10	10.48	17.15	184.19	442.42	14.65	26.83	336.75	773.56
6	Printing & stationery	1.62	3.65	0.05	0.15	0.08	0.15	0.14	0.30	0.73	1.73			0.73	1.73	0.63	0.96	0.07	0.13			0.70	1.09	0.00	0.01			0.21	0.48	0.18	0.42	0.25	1.46	0.09	0.25	0.04	0.08	0.13	0.22	2.34	5.74	0.19	0.35	4.29	10.04
7	Communication expenses	11.08	18.84	0.41	0.76	0.51	0.77	0.92	1.54	5.11	8.94			5.11	8.94	3.69	4.93	0.44	0.68			4.13	5.61	0.03	0.04			1.45	2.49	1.25	2.14	2.89	7.54	0.69	1.30	0.26	0.41	0.81	1.15	16.62	29.62	1.18	1.80	29.81	51.79
8	Legal & professional charges	106.16	227.19	3.65	9.22	5.29	9.33	8.93	18.55	48.12	107.83			48.12	107.83	40.15	59.45	4.47	8.20			44.62	67.64	0.28	0.54			13.77	30.02	11.87	25.84	18.41	90.99	6.15	15.64	2.68	4.92	8.61	13.85	154.51	357.27	12.10	21.67	281.70	624.68
9	Auditors' fees, expenses etc.							-	-					-	-							-	-																	-	-			-	-
	(a) as auditor	20.66	31.17	0.78	1.27	0.93	1.28	1.71	2.55	9.61	14.80			9.61	14.80	6.48	8.16	0.80	1.12			7.28	9.28	0.05	0.07			2.71	4.12	2.33	3.55	6.18	12.48	1.32	2.15	0.48	0.68	1.45	1.90	31.41	49.02	2.14	2.97	55.93	85.71
	(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	0.84	1.64	0.03	0.07	0.04	0.07	0.07	0.13	0.39	0.78			0.39	0.78	0.30	0.43	0.03	0.06			0.34	0.49	0.00	0.00			0.11	0.22	0.09	0.19	0.18	0.66	0.05	0.11	0.02	0.04	0.07	0.10	1.24	2.57	0.09	0.16	2.25	4.50
10	Advertisement and publicity	38.96	39.98	1.58	1.62	1.61	1.64	3.18	3.26	18.47	18.98			18.47	18.98	10.30	10.46	1.41	1.44			11.71	11.90	0.09	0.09			5.15	5.28	4.43	4.55	15.40	16.01	2.67	2.75	0.85	0.87	2.39	2.44	61.17	62.87	3.73	3.81	107.05	109.93
11	Interest & Bank Charges	561.64	1,209.82	19.25	49.11	28.02	49.67	47.28	98.78	254.43	574.21			254.43	574.21	213.23	316.56	23.70	43.64			236.93	360.21	1.46	2.86			72.82	159.86	62.80	137.60	95.86	484.51	32.45	83.26	14.22	26.22	45.71	73.75	816.68	1,902.47	64.14	115.38	1,489.73	3,326.45
12	Depreciation	72.47	130.45	2.62	5.29	3.42	5.36	6.04	10.65	33.31	61.91			33.31	61.91	24.89	34.13	2.92	4.71			27.81	38.84	0.18	0.31			9.45	17.24	8.15	14.84	17.48	52.24	4.43	8.98	1.75	2.83	5.44	7.95	108.02	205.13	7.86	12.44	194.39	358.67
13	Brand/Trade Mark usage fee/charges		-		-		-	-	-		-			-	-		-		-			-	-		-				-		-		-		-		-		-	-	-		-	-	-
14	Business Development and Sales Promotion Expenses		-		-		-	-	-		-			-	-		-		-			-	-		-				-		-		-		-		-		-	-	-		-	-	-
15	Information Technology Expenses	214.33	386.44	7.76	15.69	10.12	15.86	17.88	31.55	98.50	183.41			98.50	183.41	73.68	101.12	8.65	13.94			82.33	115.06	0.54	0.91			27.95	51.06	24.09	43.95	51.57	154.76	13.10	26.59	5.19	8.38	16.11	23.56	319.38	607.69	23.25	36.86	574.84	1,062.53
16	Goods and Services Tax (GST)	19.84	35.13	0.72	1.43	0.93	1.44	1.65	2.87	9.13	16.68			9.13	16.68	6.76	9.19	0.80	1.27			7.55	10.46	0.05	0.08			2.59	4.64	2.23	4.00	4.90	14.07	1.22	2.42	0.48	0.76	1.48	2.14	29.63	55.25	2.14	3.35	53.27	96.60
17	Others (to be specified)a	85.25	182.55	2.93	7.41	4.25	7.49	7.17	14.90	38.64	86.64			38.64	86.64	32.25	47.77	3.59	6.58			35.85	54.35	0.22	0.43			11.05	24.12	9.53	20.76	14.76	73.11	4.94	12.56	2.16	3.96	6.92	11.13	124.07	287.06	9.72	17.41	226.20	501.92
														-	-							-	-																	-	-			-	-
														-	-							-	-																	-	-			-	-
	TOTAL	2,800.00	4,557.45	104.04	184.99	128.42	187.10	232.46	372.09	1,296.03	2,163.08	0		1,296.03	2,163.08	912.35	1,192.52	110.33	164.40			1,022.68	1,356.91	6.99	10.78			366.20	602.19	315.53	518.33	771.40	1,825.19	175.87	313.64	66.24	98.78	201.79	277.81	4,222.74	7,166.72	295.72	434.66	7,550.92	12,530.93
	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"
	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 30.09.2021	up to the Quarter of the previous year 30.09.2021	For the corresponding quarter of the previous year 30.09.2021	up to the Quarter of the previous year 30.09.2021	For the corresponding quarter of the previous year 30.09.2021	up to the Quarter of the previous year 30.09.2021	For the corresponding quarter of the previous year 30.09.2021	up to the Quarter of the previous year 30.09.2021	For the corresponding quarter of the previous year 30.09.2021	up to the Quarter of the previous year 30.09.2021	For the corresponding quarter of the previous year 30.09.2021	up to the Quarter of the previous year 30.09.2021	For the corresponding quarter of the previous year 30.09.2021	up to the Quarter of the previous year 30.09.2021	For the corresponding quarter of the previous year 30.09.2021	up to the Quarter of the previous year 30.09.2021	For the corresponding quarter of the previous year 30.09.2021	up to the Quarter of the previous year 30.09.2021	For the corresponding quarter of the previous year 30.09.2021	up to the Quarter of the previous year 30.09.2021	For the corresponding quarter of the previous year 30.09.2021	up to the Quarter of the previous year 30.09.2021	For the corresponding quarter of the previous year 30.09.2021	up to the Quarter of the previous year 30.09.2021	For the corresponding quarter of the previous year 30.09.2021	up to the Quarter of the previous year 30.09.2021	For the corresponding quarter of the previous year 30.09.2021	up to the Quarter of the previous year 30.09.2021	For the corresponding quarter of the previous year 30.09.2021	up to the Quarter of the previous year 30.09.2021	For the corresponding quarter of the previous year 30.09.2021	up to the Quarter of the previous year 30.09.2021	For the corresponding quarter of the previous year 30.09.2021	up to the Quarter of the previous year 30.09.2021	For the corresponding quarter of the previous year 30.09.2021	up to the Quarter of the previous year 30.09.2021	For the corresponding quarter of the previous year 30.09.2021	up to the Quarter of the previous year 30.09.2021	For the corresponding quarter of the previous year 30.09.2021	up to the Quarter of the previous year 30.09.2021	For the corresponding quarter of the previous year 30.09.2021	up to the Quarter of the previous year 30.09.2021	For the corresponding quarter of the previous year 30.09.2021	up to the Quarter of the previous year 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			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		1370085768.19	624037196.03
	In India													-	-																																13700.8576819	6240.3719603	7460.4857216
	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"