Tarun Chugh

Directionally, we can tell you we are in a positive trajectory and all those changes are resulting in the positive margin, we're not gonna indicate any margin.

We were possibly the first ones to experiment with a bevy of smaller partners and that strategy is paying off.

Our agency is unique... we moved from a mass to a mass affluent base of customers in the last six seven years.

The H2 growth, yes, will be significantly comfortable, is what I can say.

We have also taken significant calls on cost structures, looking at more productive investments, removing wastage, inefficiency, and some places significant cost cuts. This is helping us leverage to an extent you saw that operating leverage show up in Q4.

We've gone ahead and changed practically all our products, including ULIP, PAR, and non-PAR. ... This is a significant overhaul.

We are now the third largest company in the life sector in terms of the number of policies we sell in the private sector.

The company has had a turnaround in the last 5-6 years. And we've moved into positive territory on margin about 5-6 years back, and the direction is only up.

We intend to not being lopsided in any one relationship. I think that's been a strategic decision that we have taken, which is why we actively go ahead and sort out new bank partners, and our agency channels and our direct channels have been fast growing.