Drill to the actual records behind every number — the open premium, the platform nodes down, the duplicate channel records, the at-risk policies. Sort, filter, and export the work-list.
Customer segments holding one need but not the others (protection / savings / annuity) — the qualified cross-sell list, ranked by value.
| Customer segment | Location | Zone | Product | Protection | Savings | Annuity | Cross-sell gap | Value |
|---|---|---|---|---|---|---|---|---|
| Mass-affluent (SBI banked) | Mumbai HQ · Natraj (Andheri East) | West India (Mumbai HQ) | Smart Wealth Plus (ULIP) | ✓ | ✓ | ✓ | Fully covered (protection + savings + annuity) | ₹1200.0 Cr |
| HNI / wealth | Delhi NCR | North India (Delhi) | Smart Elite (ULIP) | — | ✓ | ✓ | Add protection cover | ₹900.0 Cr |
| Salaried mass-market | Bengaluru (Karnataka) | South India (Chennai–Bengaluru) | Smart Platina (Non-Par) | ✓ | ✓ | — | Add annuity / pension | ₹800.0 Cr |
| Retirees / pre-retirees | Chennai (Tamil Nadu) | South India (Chennai–Bengaluru) | Retire Smart (Annuity) | ✓ | — | ✓ | Add savings top-up | ₹700.0 Cr |
| Young / first-time buyers | Pune & Rest of Maharashtra | West India (Mumbai HQ) | eShield Next (Protection) | ✓ | — | — | Add savings & annuity | ₹650.0 Cr |
| Partner-bank customers | Ahmedabad (Gujarat) | West India (Mumbai HQ) | Smart Wealth Plus (ULIP) | — | ✓ | ✓ | Add protection | ₹620.0 Cr |
| Group / employer members | Kolkata (West Bengal) | East India (Kolkata) | Group & Credit-Life | ✓ | — | — | Cross-sell individual savings | ₹600.0 Cr |
| Self-employed / SME | Hyderabad (Telangana & AP) | South India (Chennai–Bengaluru) | Smart Bonus (Par) | ✓ | ✓ | — | Add annuity | ₹550.0 Cr |
| Digital-native | Kerala & South cluster | South India (Chennai–Bengaluru) | Smart Elite (ULIP) | ✓ | ✓ | — | Add annuity via app | ₹480.0 Cr |
| Rural / micro (CSC) | Odisha (Bhubaneswar) | East India (Kolkata) | Smart Platina (Non-Par) | — | ✓ | — | Add micro-protection | ₹400.0 Cr |