One executive screen — the whole insurer: GWP/NBP/APE/VNB, product & channel mix, the persistency ladder, AUM/IEV/solvency, smart alerts and what's on track. Every figure live off the governed dataset.
GWP ₹1,01,290 Cr (▲19%) with ₹6,670 Cr VNB at 27.5% margin and solvency 1.9× keep the profitable-growth plan on track — but the book stays ULIP-heavy and 4 of 7 product families are still maturing their VNB margin (56pts built so far). Compound the mix-shift to non-ULIP / protection and defend 13-month persistency 87.9%.
6 of 8 headline metrics improving vs prior · still off target: Gross Written Premium (GWP) ₹1,01,290 Cr vs ₹1,10,000 Cr, New Business Premium (NBP) ₹42,550 Cr vs ₹46,000 Cr, Annualized Premium Equivalent (APE) ₹24,270 Cr vs ₹27,670 Cr
Targeted renewal & win-back on 2020-21 cohorts; monitor structural read-through.
61M persistency 58.1% (−550 bps) — COVID-era (2020-21) cohorts lapsing at 5 years; management flags non-structural.
4 of 7 families (non-par savings, annuity, protection, group) are still maturing their VNB margin; +56 margin points built so far is the prize that compounds as the mix-shift completes — the single biggest re-rating lever from 27.5% toward 29%+.
13-month persistency 87.9% is best-in-class but the 61-month COVID cohort has dipped; renewal premium ₹58,740 Cr is the sticky annuity. Solvency 1.9× vs the 1.50 floor funds growth from internal surplus — protect both.
Accelerate Non-Par savings, annuity & protection to lift VNB margin 27.5%→29%+.
ULIP ~60% of APE / ₹46,000 Cr GWP — margin-diluting vs peers; deliberate shift to non-par / protection under way.
Automatically detected and persona-routed — click any alert to open the 360 that owns it and act.
Consolidated, all segments (₹ Cr) · ₹1,01,290 Cr GWP · 27.5% VNB margin
ULIP · Non-Par Savings & Annuity · Participating (Par) · Protection & Group
Bancassurance moat (SBI + 9 partners) · agency · direct · brokers · CSC
Premium-basis retention 13M → 61M (per IRDAI 14-Jun-2024 method); 61M = COVID-cohort watch-item
Click into Distribution Roll-up 360 to drill zone → segment → office
| Zone | Offices | GWP | Share | Status |
|---|---|---|---|---|
| West India (Mumbai HQ) | 420 | ₹30,000 Cr | 29.6% | On track |
| North India (Delhi) | 360 | ₹27,000 Cr | 26.7% | On track |
| South India (Chennai–Bengaluru) | 320 | ₹26,290 Cr | 26.0% | On track |
| East India (Kolkata) | 130 | ₹18,000 Cr | 17.8% | Watch |
+56 VNB-margin points built as families scaled
Green = mature · amber = still scaling. Products & Segments 360 →
Board-approved targets; current values auto-calculated from live data
| Objective | KPI | Current | Target | Progress | Status |
|---|---|---|---|---|---|
| Grow APE while holding VNB margin | APE | 24270₹Cr | 27670₹Cr | 88% | On track |
| Grow value of new business | VNB | 6670₹Cr | 7600₹Cr | 88% | On track |
| Lift VNB margin via non-ULIP mix | VNB margin | 27.5% | 29% | 95% | Behind |
| Scale protection & annuity NBP | Protection & annuity NBP | 11650₹Cr | 14000₹Cr | 83% | On track |
| Deepen bancassurance & activate CIFs | Bancassurance GWP | 61000₹Cr | 68000₹Cr | 90% | On track |
| Grow agency & other-channel NBP | Agency + other NBP | 40290₹Cr | 46000₹Cr | 88% | On track |
| Lift 13-month persistency | 13M persistency | 87.9% | 90% | 98% | On track |
| Grow Indian Embedded Value | IEV | 80790₹Cr | 92000₹Cr | 88% | On track |
| Maintain solvency well above the 1.50 floor | Solvency ratio | 1.9x | 1.75x | 109% | On track |
| Recover 61-month persistency (COVID cohorts) | 61M persistency | 58.1% | 65% | 89% | Behind |
Each dot is an office cluster. Colour = operational health (green = healthy · amber = watch · red = at risk). Hover for detail; open Distribution Network 360 to act on one.
The four pillars, board targets vs live current — same scorecard as Exhibit 7, owned.
The team's live queue — assign, snooze, resolve.
Action items are managed in Today — your role-filtered decision queue, each with an owner and an action that persists to the audit trail.