The operational twin — for one zone: its office & branch touchpoints, activity, branch & compliance audits, digital-STP posture, renewal book and support, with the data grain that says how bankable its premium P&L is.
6 of 16 zones report at true zone-grain actuals — leaving ₹46,000 Cr of GWP on softer grain. Convert the 10 estimated zones to actuals to make the premium P&L bankable, then mine the active base to deepen bancassurance and grow the renewal & protection book.
6 of 6 headline metrics improving vs prior · still off target: Digital Issuance (STP) % 86.0% vs 92.0%, Grievance Resolution SLA 95.5% vs 98.0%, First-Time-Right Underwriting 96.5% vs 99.0%
₹46,000 Cr of GWP sits on Policy-Admin-allocated or region-only grain — the board discounts what it can't verify.
₹60,800 Cr of renewal premium sits on a network of 1,250 office / branch touchpoints — the warmest expansion surface SBI Life has.
This is the view the distribution and operations teams act on. Each zone is a living asset — pick one and see its touchpoints by type, what's active vs low-activity vs dormant, its next branch / compliance audit, the touchpoints below the digital-issuance baseline, and its renewal book. The SBI Life thread runs through it: the data grain tells you how much of this zone's number you can bank. It's the single-zone drill-down for Org Roll-up 360.
Office touchpoints · activity · compliance · digital · renewal · support — plus the data grain and a next best action.
Digital-adoption drift tracks data-grain: low-coverage / off-ledger zones carry more touchpoints without straight-through issuance.
Routed to the open compliance items above; ops telemetry opens the ticket, the support & training team closes it.
137 active touchpoints, clean audits. Point the cross-sell flywheel here: attach protection + annuity onto the bancassurance base.