---
title: "Solvency Regime Capital Comparator"
method: POST
path: "/v1/tools/compare_solvency_regimes"
tags: ["solvency-ii", "NAIC-RBC", "bermuda-BSCR", "IRDAI", "solvency-margin", "capital-comparison", "binding-constraint", "cross-border", "reinsurance", "SCR", "ECR", "RBC", "insurance-regulation", "Zero-PII"]
---

# Solvency Regime Capital Comparator

`POST /v1/tools/compare_solvency_regimes`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/compare_solvency_regimes`
- Auth: none declared

Compare required and available capital under four major international solvency regimes — EU Solvency II (SCR), NAIC RBC (US), Bermuda BSCR, and IRDAI Solvency Margin (India) — from one shared set of simplified balance sheet inputs. Identifies the binding capital constraint and quantifies the excess capital buffer under each regime. Simplified approximation — indicative. Client-side. Works offline. Zero PII.

**Tool URL:** https://ainumbers.co/tools/460-solvency-regime-comparator.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `totalAssets` number, required
  - `techProvisions` number
  - `otherLiab` number
  - `nwp` number, required
  - `nep` number
  - `netReserves` number, required
  - `grossReserves` number
  - `netClaims` number
  - `opex` number
  - `bonds` number
  - `equities` number
  - `property` number
  - `reinsRecov` number
  - `premLoading` string
  - `resLoading` string
  - `catRisk` string
  - `mktProfile` string

## Response `200`

Successful tool execution result

- object
  - `binding_constraint` string: The regime requiring the most capital
  - `binding_required_capital_usd_m` number
  - `regimes` object: Per-regime required capital, available capital, solvency ratio, minimum ratio, status, and excess buffer for Solvency II, NAIC RBC, Bermuda BSCR, and IRDAI

---

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