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Channels & Customers 360

Per-channel intelligence — premium, growth headroom, collection and the next move for distribution, channel management and finance.

Generali Central Insurance Company Limited · FY25 (Mar'25, audited)

Mid-tier private multiline general insurer — Top-10 private (rank ~10)

2,644 employees · 167 branches · 21,000+ agents

▲ Executive read· the answer, then the moves

₹1,470 Cr of channel growth headroom sits across 6 distribution channels on ₹5,548 Cr of GWP. Bancassurance via Central Bank is only ~7% today but carries the most headroom — scale it and the high-growth digital / POSP channels while holding the agency & broker base.

3 of 4 headline metrics improving vs prior · still off target: Bancassurance Premium (Central Bank) ₹390 Cr vs ₹780 Cr, Policy Retention 82.0% vs 85.0%, Net Earned Premium (NEP) ₹3,753 Cr vs ₹4,100 Cr

Do now — ranked by urgency

1
₹180 Cr of premium at risk — Q3 FY26Act now
Why it matters
Each lapsed policy is renewal premium that won't repeat — retention is the base for profitable growth.
What's driving it
renewal window Q3 FY26
Signal: Renewal-book risk
FYI
Of ₹980 Cr of premium up for renewal in Q3 FY26, ₹180 Cr is at risk of lapse.
Owner: Chief Distribution Officer
Act →▤ open the at-risk renewals
2
₹210 Cr of premium at risk — Q4 FY26Act now
Why it matters
Each lapsed policy is renewal premium that won't repeat — retention is the base for profitable growth.
What's driving it
renewal window Q4 FY26
Signal: Renewal-book risk
FYI
Of ₹1100 Cr of premium up for renewal in Q4 FY26, ₹210 Cr is at risk of lapse.
Owner: Chief Distribution Officer
Act →▤ open the at-risk renewals
3
₹160 Cr of premium at risk — Q1 FY27Act now
Why it matters
Each lapsed policy is renewal premium that won't repeat — retention is the base for profitable growth.
What's driving it
renewal window Q1 FY27
Signal: Renewal-book risk
FYI
Of ₹950 Cr of premium up for renewal in Q1 FY27, ₹160 Cr is at risk of lapse.
Owner: Chief Distribution Officer
Act →▤ open the at-risk renewals
4
₹190 Cr of premium at risk — Q2 FY27Act now
Why it matters
Each lapsed policy is renewal premium that won't repeat — retention is the base for profitable growth.
What's driving it
renewal window Q2 FY27
Signal: Renewal-book risk
FYI
Of ₹1020 Cr of premium up for renewal in Q2 FY27, ₹190 Cr is at risk of lapse.
Owner: Chief Distribution Officer
Act →▤ open the at-risk renewals

🏦 Bancassurance (Central Bank) & distributionStep 2 of 6 · channels: agency · brokers · bancassurance · direct◀ New Business & Underwriting 360 Quote & Proposal 360 ▶All journeys

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↗ Where this connects — act / drill across

🧩Customer Master· the golden record & terms 🔁Claims & Renewals 360· renewals & repeat business 🧾Quote & Proposal 360· quote the cross-sell 💵Cash 360· the account's premium & receivables

● LiveBuilt forDistribution· which channel to scale nextChannel Management· partner & renewal playsFinance · Collections· which channel receivable to chase

Pick a channel for a one-page profile that turns the data into a move — a scale play for distribution, a partner/renewal plan for channel management, and a collect call for finance — each benchmarked against the channel mix.

Data backing: customer (channel) · opportunity · signal · kpi (growth-index / collection / contribution peer benchmarks)

Select a channel

Insurance Brokers

Scale now

Strategic channel · Broking (commercial & large-ticket)

Channel health

attritionMedium

Financials

GWP

₹1,750 Cr

In-force

₹1,150 Cr

66% in-force

Pipeline

₹320 Cr

Contribution

18%

-0.8 vs peer

Growth index

108

-10 vs peer

Headroom

₹180 Cr

growth

Cash & credit

Coll. days

45d

+22 vs peer

Aged premium

₹0 Cr

modeled >45d

Attrition risk

Medium

Signals & pipeline

No external signal on file.

Open: Large group-health corporate mandates — ₹220 Cr · Proposal @ 55% · signal-driven

Next best action · by stakeholder

Distribution

Scale into ₹180 Cr of growth headroom — Broking (commercial & large-ticket) channel already 66% renewed / in-force; push the under-penetrated lines (health, motor, commercial) through it.

Channel Management

Healthy growth (index 108, +-10 vs peer). Lock a multi-year partner agreement and preferred-partner status.

Finance / Collections

Collections sprint — collection 45d runs 22d over peer; clear the ₹0 Cr aged premium balance.

Exhibit 1

All channels · one decision each

6 distribution channels · ₹5,548 Cr GWP · ₹1,470 Cr of growth headroom · 0 at high attrition risk.

Channel	Type	GWP	In-force	Growth idx	Coll. days	Headroom	Health	Verdict
Insurance Brokers	Broking (commercial & large-ticket)	₹1,750 Cr	₹1,150 Cr	108	45d	₹180 Cr	84	Scale
Individual Agency (21,000+ agents)	Tied agency	₹1,550 Cr	₹1,180 Cr	104	20d	₹200 Cr	86	Scale
Motor Dealers / MISP	Motor dealer (MISP)	₹750 Cr	₹470 Cr	106	30d	₹120 Cr	80	Scale
Direct · Digital · Web Aggregators	Direct & digital	₹700 Cr	₹430 Cr	120	3d	₹220 Cr	83	Scale
POSP & Others	POSP / CSC / IMF / micro	₹408 Cr	₹250 Cr	130	25d	₹130 Cr	78	Scale
Bancassurance — Central Bank of India	Bancassurance (PSU bank)	₹390 Cr	₹210 Cr	140	15d	₹620 Cr	88	Scale