Where Purpose Meets Performance, Every Indian’s Dream Moves Forward

In FY25, we continued with a leadership position in the market, robust financials, a digitally-empowered ecosystem and a multi-channel network that delivers impact every day. These strengths enable us not only to serve but to lead, powering aspirations of every Indian.
Our Competitive Edge
Market Leadership

We continue to be a leading private life insurer in India, holding significant market share in individual and total new business, supported by a well-balanced product mix and distribution strength.

25.30%

Individual New Business Premium Private Market Share

20.85%

Total New Business Premium Private Market Share


Financial Strength

We are one of the most financially resilient insurers with strong solvency and a consistent growth track record, delivering superior returns while maintaining healthy reserves.

1.96x

Solvency Ratio

169.81 bn

Net Worth

9.68%

Total Cost Ratio


15.20%

AUM Growth

Zero debt

with healthy internal accruals

5.28%

Opex Ratio


27.80%

VoNB Margin

702.50 bn

Embedded Value

24.13 bn

Profit After Tax


Customer Centricity

High persistency ratios reflect the trust our customers place in us and the quality of service we deliver.

87.41%

13th Month Persistency

62.69%

61st Month Persistency

0.02%

Mis-selling ratio


Customer-Centric Performance

Our customer focus is evident in our service standards and satisfaction scores.

82

Net Promoter Score

5 per 10,000 policies

Grievances

1,748 k

Queries handled via Chatbot


Multi-Channel Distribution

Our diversified distribution model ensures access and advisory support across geographies, supported by continuous innovation like channel revamping.

2.40 lakh+

Individual Agents

59,000+

CIFs

8,900+

Specified Persons


27,500+

Bancassurance Branches

141

Brokers


14,000+

Partner Branches

46.27%

YoY Growth in online sales


Digitally-Enabled Experiences

We are reimagining insurance journeys through digital-first, insight-driven platforms that offer ease, speed and self-service capabilities.

5 mn+

Customer App (Smart Care) Users

98.67%

of individual business sourced digitally

96.88%

Renewal Premiums collected digitally


27

Predictive Analytics - Live Models

30+

Self-service Options in Smart Care

24x7

Chatbot & WhatsApp Assist