Our prominent financial resources include equity and internal accruals. We aim to create sustainable value for our stakeholders by optimally utilising our financial capital, strengthening our balance sheet and generating robust cash flows.

Total capital employed

It comprises fixed assets including our offices, branches and distribution network used for conducting our business activities. It also includes the products and policies that we offer to our customers. We strive to enhance our reach and offer a diverse suite of products that cater to the needs of our customers.

Tangible fixed assets

Our collective knowledge and expertise to offer innovative products having distinct customer value propositions is our core intellectual capital. It also includes our intangible assets such as brand value, digital offerings & platforms and specialised resources. This capital enables us to stay ahead of the curve in today’s dynamic world.

Intangibles

It is our endeavour to attract the best talent, provide them multi-faceted development opportunities, support them in maintaining a healthy work-life balance and recognise their achievements through targeted performance-based rewards. We have aligned their goals with that of the Company and ensure we attain greater heights, together.

We have built long-standing relationships with our customers, business partners, shareholders, regulators and employees. As a responsible corporate citizen, we are also committed to playing an active role in uplifting the communities around us. We aim to strengthen these relationships and create long-term, sustainable value for our stakeholders.