Pick your role. The cockpit opens to your home — your decision queue, your guided journey, and the views you live in. You can switch roles any time from the top bar. (Demo login — no password.)
Run SBI Life — the protection & annuity-led margin shift, rebalancing the mix away from ULIP toward non-par & par, deepening the SBI bancassurance moat while scaling agency & digital, and capital allocation across the four product segments.
🛰 Control Tower 🌐 Enterprise 360 🎯 Strategy & Goals
Sign in as Amit → SS Sangramjit Sarangi
President & CFO · VNB Margin · Free Surplus · Solvency
VNB margin, free surplus and the balance sheet — earnings quality (PAT normalized for one-off GST-ITC & labour-code hits), premium collection to strong solvency (1.90 vs the 1.50 floor) and the RoEV on new-business investment.
💰 Finance 360 💵 Cash 360 🚪 Embedded Value & Returns
Sign in as Sangramjit → CS SBI-Nominated Board
Chair C.S. Setty · Promoter SBI 55.32%
Is the thesis compounding shareholder value — valuation vs embedded value, the protection & mix-shift story, strong solvency, governance, the SBI bancassurance relationship and dividend for India's #1 private life insurer, majority-owned by State Bank of India?
💎 Value Creation Plan 🚪 Embedded Value & Returns
Sign in as SBI-Nominated → MA M. Anand
Chief Distribution Officer (Banca & Agency)
The distribution engine — the SBI bancassurance moat (~22,000 branches + 9 partners) and the ~2.82 lakh-agent force, and how the non-ULIP push (protection, annuity, par) lifts blended VNB margin and de-risks the ULIP-heavy mix.
🛰 Market & Industry Intel 🤝 Growth & Capital 360 🏷 Products & Segments 360
Sign in as M. → PC Prithesh Chaubey
Appointed Actuary (Products & VNB)
Own product design & value — pricing and VNB by product, persistency and claims experience, reinsurance and cost efficiency, and the actuarial discipline (surrender-value norms, EoM) that protects margin through the cycle.
📍 Distribution Network 360 🛡 Cost & Reinsurance 360 🔁 Persistency & Renewals 360
Sign in as Prithesh → AG Abhijit Gulanikar
President — Operations, IT & Persistency
Run operations & persistency — policy issuance and servicing at scale, the renewal-premium book (₹58,740 cr), 13-month persistency at 87.9%, digital/phygital platforms and the IT backbone that lifts the quality of the book.
🛰 Market & Industry Intel 🤝 Growth & Capital 360 🔁 Persistency & Renewals 360
Sign in as Abhijit → GS Gopikrishna Shenoy
Chief Investment Officer (AUM ₹4.87 tn)
Steward the ₹4.87-tn investment book — the 62:38 debt:equity mix backing policyholder guarantees and ULIP funds, 94% AAA/sovereign credit quality, and the investment income that compounds embedded value.
📈 New Business & APE 360 👥 Channel & Customer 360 🔁 Persistency & Renewals 360
Sign in as Gopikrishna → One governed dataset, seen through each leader's lens. Headline financials are real FY26 (audited) figures; granular operational detail is modeled.