Table 14Gross Underwriting Experience - 2012-13 to 2021-22 (Overall Figures)
| Year | 2012-13 | 2013-14 | 2014-15 | 2015-16 | 2016-17 | 2017-18 | 2018-19 | 2019-20 | 2020-21 | 2021-22 |
| Gross Direct Premium | 71,205.52 | 79,935.76 | 87,151.37 | 99,332.95 | 1,30,970.11 | 1,53,437.54 | 1,72,482.74 | 1,92,192.59 | 202,094.36 | 224,001.85 |
| Gross Written Premium | 74,277.33 | 83,026.51 | 90,364.55 | 1,02,395.77 | 1,34,177.33 | 1,56,629.01 | 1,75,899.19 | 1,95,201.61 | 206,905.70 | 229,792.32 |
| Gross Earned Premium | 71,289.15 | 78,698.26 | 86,436.43 | 96,049.98 | 1,18,181.77 | 1,45,079.53 | 1,66,407.40 | 1,85,396.17 | 200,844.08 | 218,139.43 |
| Gross Direct Claims | 51,117.78 | 64,132.59 | 72,046.74 | 79,256.69 | 1,12,962.62 | 1,24,708.49 | 1,38,826.94 | 1,52,737.58 | 148,031.96 | 178,909.00 |
| Gross Direct Claims as % to GEP | 71.70% | 81.49% | 83.35% | 82.52% | 95.58% | 85.96% | 83.43% | 82.38% | 73.70% | 82.02% |
| Gross Direct Commission | 4,236.54 | 4,927.10 | 5,295.17 | 5,995.99 | 6,882.19 | 10,730.57 | 12,719.49 | 14,411.87 | 15,992.39 | 16,193.00 |
| Gross Direct Commission as % to GWP | 5.70% | 5.93% | 5.86% | 5.86% | 5.13% | 6.85% | 7.23% | 7.38% | 7.73% | 7.05% |
| Expenses of Management | 14,760.00 | 16,039.20 | 20,324.31 | 23,062.00 | 26,827.00 | 26,329.00 | 30,604.00 | 42,045.45 | 43,545.00 | 46,551.32 |
| Expenses of Management as % to GWP | 19.87% | 19.32% | 22.49% | 22.52% | 19.99% | 16.81% | 17.40% | 21.54% | 21.05% | 20.26% |
| Underwriting Surplus/(Deficit) | 1,174.83 | (6,400.63) | (11,229.80) | (12,264.70) | (28,490.03) | (16,688.52) | (15,743.04) | (23,798.73) | (6,725.27 ) | (23,513.89) |
| Underwriting Surplus/(Deficit) as % to GEP | 1.65% | -8.13% | -12.99% | -12.77% | -24.11% | -11.50% | -9.46% | -12.84% | -3.35% | -10.78% |
(₹ in Crores)
Source: IRDAI reports and Council Compilation