Amit Jhingran

We intend to maintain the growth rate at around 14%, which has been our CAGR for last three to five years.

Our assets under management surpassed INR 5 trillion, reflecting sustained customer confidence and long-term value creation driven by disciplined execution.

We continue to stick to our guidance of between 27% and 28% in the coming quarter also.

Our guidance for the margin remains what we had given earlier in the range of 26%-28%. We are kind of happy that we are sticking to that range despite the headwinds.

We are not considering any changes in the distribution commission, and the company will be utilizing other levers on operational sites and the product mix sites to manage this impact.

We are investing in building our online business channel. Individual rated premium through this channel has grown by 34% in the current quarter compared to the corresponding quarter of last year.

Our endeavor is to achieve the company's growth aspirations despite operating on a high base from the corresponding quarter last year.

We continue to stick to our earlier guidance of 26-28% VNB margin with some positive bias.

We have doubled our VNB in the last four years.

Going forward, what we are looking for is a 65/35 kind of product mix.

Our mis-selling ratio stands at 0.02%, which is one of the lowest in the industry.

We stand by our overall growth forecast in the medium term of 15%-17%.