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true Cash Flow Direct Declaration of unmodified opinion 2024-07-01 2024-09-30 Audited 32534500000.00 88310200000.00 48429800000.00 169274500000.00 165697000000.00 116107700000.00 688700000.00 1912300000.00 284405700000.00 12645600000.00 1384400000.00 4481500000.00 18511500000.00 18511500000.00 8117500000.00 0.00 3405000000.00 5291100000.00 16813600000.00 35325100000.00 0.00 -27500000.00 1189800000.00 -4706600000.00 0.00 -4706600000.00 102986200000.00 144534900000.00 279301900000.00 5103800000.00 3854100000.00 1249700000.00 6070200000.00 0.00 5103800000.00 1699000000.00 12873000000.00 3854100000.00 2687700000.00 500000.00 2688200000.00 6542300000.00 254400000.00 1912300000.00 0.00 0.00 2166700000.00 4375600000.00 45700000.00 45700000.00 0.00 4329900000.00 0.00 4329900000.00 0.00 0.00 87390200000.00 21522200000.00 125958300000.00 8337100000.00 158660600000.00 1998737800000.00 1092020800000.00 3249419200000.00 27815500000.00 3277234700000.00 0.02 0 1996700 2.01 2.01 108600000 93300000 0 662700000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 157900000 0 0 0 2000.00 4000.00 0.01 0.01 0.01 0.01 0.01 0 0 0 0 0 Notes pertaining to Statement of Standalone Audited Results for quarter and half year ended September 30, 2024: 1. Net premium income is net of reinsurance. 2. Income from investments (Net) is net of amortisation and losses (including capital gains). 3. Net Commission is net of reinsurance. Rewards have been included in First year commission. 4. Benefits Paid (Net) is net of reinsurance and inclusive of interim and terminal bonus. 5. Expenses other than those related to insurance business includes Remuneration of MD/CEOs/WTDs over specifed limits and interest on Non convertible debentures. 6. Provisions for diminution in value of investments is inclusive of provision for standard and non-standard assets. 7. Profit carried to Balance Sheet represents accumulated surplus. 8. Analytical ratios have been calculated as per definition given in IRDAI Analytical ratios disclosure. 9. Profit after tax comprises: Underwriting profits Q2 (a) Existing business surplus (i) 1,33,110 (b) New business strain (ii) (1,13,631) Shareholders' surplus (iii) 23,830 H1 (a) Existing business surplus (i) 2,74,711 (b) New business strain (ii) (2,29,028) Shareholders' surplus (iii) 45,381 (i) Represents profit emerging during current period from business written in prior years (ii) Insurance contracts being long term in nature revenue is recognised over the period of the contract as against costs being recognised in the period in which they are incurred, leading to New business strain. (iii) Represents investment and other income arising on shareholders' funds, net of expenses and taxes 2024-04-01 2024-09-30 Audited 56113500000.00 152416500000.00 88853300000.00 297383300000.00 290793200000.00 257351800000.00 1355900000.00 1976300000.00 551477200000.00 21043400000.00 2452900000.00 9717800000.00 33214100000.00 33214100000.00 15062100000.00 0.00 5012800000.00 9411000000.00 29485900000.00 62700000000.00 0.00 6400000.00 2274500000.00 -5690500000.00 0.00 -5690500000.00 191264000000.00 290191700000.00 540746100000.00 10731100000.00 6518700000.00 4212400000.00 10141500000.00 0.00 10731100000.00 3299200000.00 24171800000.00 6518700000.00 5259300000.00 700000.00 5260000000.00 11778700000.00 451900000.00 1976300000.00 0.00 0.00 2428200000.00 9350500000.00 244100000.00 244100000.00 0.00 9106400000.00 0.00 9106400000.00 0.00 0.00 87390200000.00 21522200000.00 125958300000.00 8337100000.00 158660600000.00 1998737800000.00 1092020800000.00 3249419200000.00 27815500000.00 3277234700000.00 0.02 0 1996700 4.23 4.23 108600000 93300000 0 662700000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 157900000 0 0 0 4000.00 7000.00 0.01 0.01 0.01 0.01 0.01 0 0 0 0 0 21522200000.00 125958300000.00 33800000.00 8337100000.00 9500000000.00 96460600000.00 1907074800000.00 0.00 0.00 684126300000.00 370812600000.00 36991000000.00 90900000.00 0.00 1092020800000.00 3095556200000.00 16327100000.00 3277234700000.00 158660600000.00 1998737800000.00 1092020800000.00 21389400000.00 4554500000.00 0.00 8222900000.00 78000200000.00 86223100000.00 83493500000.00 858000000.00 84351500000.00 1871600000.00 0.00 0.00 3277234700000.00 21986500000.00 Notes to Cashflow: 1. Payments to reinsurer, net of commissions and claims/ benefits and Payments of claims/benefits clubbed together in the line item receipts for premium and claims, annuities and other policy benefits 2. Payments of commission, brokerage and payments of other operating expenses has been clubbed under other cash payments from operating activities 4. GST paid is clubbed under other outflows of cash under operating activities. 5. Purchase of Investment and Investment in money market instruments and liquid mutual fund is clubbed under head other cash payments to acquire equity or debt instruments under Investing actvities. 6. Proceeds from issuance of share capital and share application money is clubbed in line item proceeds from issuance of shares. 7. Breakup of cash and cash equivalents and reconciliation with cash and bank balance as per LODR not shown as the same is not part of format in the current utility. Other income 688700000.00 Other income 1355900000.00 Other operating expenses 5291100000.00 Other operating expenses 9411000000.00 Other income 500000.00 Other income 700000.00 Segment A - Participating - Individual & Group Life 33666100000.00 12863500000.00 1300000.00 421900000.00 Segment B - Participating - Individual & Group Pension 825600000.00 517400000.00 0.00 6100000.00 Segment C - Non Participating - Individual & Group Life 69323200000.00 23482900000.00 1857500000.00 217100000.00 Segment D - Non Participating - Life Group Variable 1948500000.00 371300000.00 0.00 0.00 Segment E - Non Participating - Individual & Group Pension 983100000.00 559800000.00 80200000.00 400000.00 Segment F - Non Participating - Individual & Group Pension Variable 647600000.00 362400000.00 -26300000.00 0.00 Segment G - Non Participating - Individual & Group Annuity 13544100000.00 5615300000.00 300000.00 5200000.00 Segment H - Non Participating - Individual & Group Health 80400000.00 10500000.00 0.00 0.00 Segment I - Unit Linked - Individual Life 33799100000.00 63157700000.00 -700000.00 37800000.00 Segment J - Unit Linked - Individual Pension 1560700000.00 3909600000.00 0.00 -100000.00 Segment K - Unit Linked - Group Life 5810100000.00 4537900000.00 0.00 200000.00 Segment L - Unit Linked - Group Pension 3508500000.00 753300000.00 0.00 100000.00 Shareholders 0.00 2687700000.00 0.00 500000.00 Unallocated 0.00 0.00 0.00 0.00 Segment A - Participating - Individual & Group Life 55217400000.00 25860900000.00 5200000.00 826800000.00 Segment B - Participating - Individual & Group Pension 1359500000.00 1037100000.00 200000.00 8300000.00 Segment C - Non Participating - Individual & Group Life 124589200000.00 44402500000.00 1868900000.00 419600000.00 Segment D - Non Participating - Life Group Variable 2939200000.00 752100000.00 0.00 100000.00 Segment E - Non Participating - Individual & Group Pension 4804400000.00 1092400000.00 80300000.00 1000000.00 Segment F - Non Participating - Individual & Group Pension Variable 2009900000.00 769100000.00 16900000.00 100000.00 Segment G - Non Participating - Individual & Group Annuity 24594800000.00 10805900000.00 1100000.00 10300000.00 Segment H - Non Participating - Individual & Group Health 159900000.00 19400000.00 0.00 100000.00 Segment I - Unit Linked - Individual Life 60306200000.00 154745500000.00 3600000.00 89000000.00 Segment J - Unit Linked - Individual Pension 2662700000.00 8295300000.00 100000.00 200000.00 Segment K - Unit Linked - Group Life 8346600000.00 8245200000.00 0.00 300000.00 Segment L - Unit Linked - Group Pension 3803400000.00 1331300000.00 0.00 100000.00 Shareholders 0.00 5259300000.00 0.00 700000.00 Unallocated 0.00 0.00 0.00 0.00 Segment A - Participating - Individual & Group Life 2217300000.00 Segment B - Participating - Individual & Group Pension -138900000.00 Segment C - Non Participating - Individual & Group Life -2255200000.00 Segment D - Non Participating - Life Group Variable 32700000.00 Segment E - Non Participating - Individual & Group Pension -86000000.00 Segment F - Non Participating - Individual & Group Pension Variable 26300000.00 Segment G - Non Participating - Individual & Group Annuity 170700000.00 Segment H - Non Participating - Individual & Group Health 12500000.00 Segment I - Unit Linked - Individual Life 3039800000.00 Segment J - Unit Linked - Individual Pension 31200000.00 Segment K - Unit Linked - Group Life 116900000.00 Segment L - Unit Linked - Group Pension 29300000.00 Shareholders 2383000000.00 Unallocated 0.00 Segment A - Participating - Individual & Group Life 5381000000.00 Segment B - Participating - Individual & Group Pension -5100000.00 Segment C - Non Participating - Individual & Group Life -1711400000.00 Segment D - Non Participating - Life Group Variable 75700000.00 Segment E - Non Participating - Individual & Group Pension -80200000.00 Segment F - Non Participating - Individual & Group Pension Variable -16900000.00 Segment G - Non Participating - Individual & Group Annuity 417200000.00 Segment H - Non Participating - Individual & Group Health 33600000.00 Segment I - Unit Linked - Individual Life 4102800000.00 Segment J - Unit Linked - Individual Pension 272100000.00 Segment K - Unit Linked - Group Life 272900000.00 Segment L - Unit Linked - Group Pension 39000000.00 Shareholders 4538100000.00 Unallocated 0.00 Segment A - Participating - Individual & Group Life 693548400000.00 Segment B - Participating - Individual & Group Pension 28826900000.00 Segment C - Non Participating - Individual & Group Life 913403300000.00 Segment D - Non Participating - Life Group Variable 19424000000.00 Segment E - Non Participating - Individual & Group Pension 31394200000.00 Segment F - Non Participating - Individual & Group Pension Variable 21848200000.00 Segment G - Non Participating - Individual & Group Annuity 301461700000.00 Segment H - Non Participating - Individual & Group Health 351400000.00 Segment I - Unit Linked - Individual Life 907851500000.00 Segment J - Unit Linked - Individual Pension 60426700000.00 Segment K - Unit Linked - Group Life 106036500000.00 Segment L - 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