SBI Life's real footprint — zone hierarchy, product families, and the Policy-Admin data-grain reality (which zones report actuals vs region-level).
Zones on the Policy Admin System post transactions at zone level; newer/project clusters still record at area/region. The view labels each so actuals are never confused with estimates.
Zones on the Policy Admin System — every transaction booked at zone/office grain. Trust as-is.
Migrating zones & channel desks — some postings still land at area level; allocation disaggregates them to zone using office counts, agent headcount and policies-in-force.
Newer/project clusters — recorded only at region/area on legacy systems. The zone figure is a modeled estimate until cutover.
1 · Resolve the zone. Match legacy office IDs, family names and addresses (Andheri office = Unit 4021 = West zone) into one golden zone record — you can't roll up what you can't match.
2 · Tag the grain. Every transaction carries its recording level (zone / area / region) and a confidence score, so the view shows actuals vs estimates instead of pretending they're the same.
3 · Disaggregate. For area-level postings, a driver model splits the total to zones by office headcount, agent counts, policies-in-force and premium — weights learned from on-Policy-Admin zones where both grains exist during cutover.
4 · Reconcile & learn. Allocated zone sums must tie back to the area total; anomalies and duplicate channel / partner records get flagged. As each zone migrates to the Policy Admin System, estimates flip to actuals — coverage is now 91% and rising.
Bubble size = GWP; color = zone health. Hover any zone for detail and its lead family.
Distribution zones across SBI Life's national footprint.
Lead product family shown where a scaled family anchors the zone.
Bar color = data grain: green actuals · amber allocated · red region-only.
The zone-level view — including which newer/project clusters still report at region level.
| Zone / office | State | Zone | Lead family | GWP | Zone-grain | Recording |
|---|---|---|---|---|---|---|
| Mumbai HQ · Natraj (Andheri East)HQ | MH | West India (Mumbai HQ) | Smart Wealth Plus (ULIP) | ₹14,000 Cr | 99% | Actuals |
| Delhi NCR | DL | North India (Delhi) | Smart Wealth Plus (ULIP) | ₹11,000 Cr | 97% | Actuals |
| Pune & Rest of Maharashtra | MH | West India (Mumbai HQ) | Smart Platina (Non-Par) | ₹8,000 Cr | 96% | Actuals |
| Uttar Pradesh & Uttarakhand | UP | North India (Delhi) | Smart Platina (Non-Par) | ₹8,000 Cr | 91% | Allocated |
| Bengaluru (Karnataka) | KA | South India (Chennai–Bengaluru) | Smart Wealth Plus (ULIP) | ₹8,000 Cr | 96% | Actuals |
| Chennai (Tamil Nadu) | TN | South India (Chennai–Bengaluru) | Smart Bonus (Par) | ₹7,290 Cr | 94% | Actuals |
| Kolkata (West Bengal) | WB | East India (Kolkata) | Smart Wealth Plus (ULIP) | ₹7,000 Cr | 92% | Actuals |
| Hyderabad (Telangana & AP) | TG | South India (Chennai–Bengaluru) | Smart Platina (Non-Par) | ₹6,000 Cr | 89% | Allocated |
| Gujarat (Ahmedabad) | GJ | West India (Mumbai HQ) | Smart Bonus (Par) | ₹5,000 Cr | 90% | Allocated |
| Punjab, Haryana & Chandigarh | PB | North India (Delhi) | Retire Smart (Annuity) | ₹5,000 Cr | 88% | Allocated |
| Kerala & South cluster | KL | South India (Chennai–Bengaluru) | Retire Smart (Annuity) | ₹5,000 Cr | 85% | Allocated |
| Bihar & Jharkhand (Patna) | BR | East India (Kolkata) | Smart Bonus (Par) | ₹5,000 Cr | 83% | Allocated |
| Odisha (Bhubaneswar) | OR | East India (Kolkata) | Group & Credit-Life | ₹3,500 Cr | 78% | Region-only |
| Goa & West cluster | GA | West India (Mumbai HQ) | eShield Next (Protection) | ₹3,000 Cr | 84% | Allocated |
| Rajasthan & North cluster | RJ | North India (Delhi) | eShield Next (Protection) | ₹3,000 Cr | 82% | Region-only |
| Northeast & East cluster | AS | East India (Kolkata) | eShield Next (Protection) | ₹2,500 Cr | 72% | Region-only |