Can you trust the number, and how current is it? Every governed domain's source system (TCS BaNCS core, claims & pre-auth portals, IRIS agent platform, Central Bank bancassurance feed, IRDAI/IIB filings), owner, freshness against SLA, record count and data grain — so a decision knows what it's standing on.
Grain tells you how bankable a domain is (Actuals = branch-grain TCS BaNCS ledger; Allocated/Region-only = estimated while the integration completes). Status flags anything past its SLA.
| Domain | Source system | Owner | Last sync | Cadence | SLA | Status | Records | Grain | Note |
|---|---|---|---|---|---|---|---|---|---|
| External signals — IRDAI / Council | IRDAI / GI Council adapter | Compliance | 2026-06-15 06:00 | Daily | 24h | Late | 6 | Actuals | Circulars incl. FMF-2025, EOM cap, Bima Sugam, 1/n rule; last poll missed SLA. |
| Bancassurance (Central Bank) | Central Bank CBS bridge / CRM | Chief Bancassurance Officer | 2026-06-16 21:00 | Daily | 24h | Stale | 4,500 | Region-only | CBS↔BaNCS bridge; manual reconciliation (open blocker) — the growth channel. |
| General Ledger / P&L | TCS BaNCS core (finance) | Controller (Devi Dayal Garg) | 2026-06-17 04:10 | Nightly | 24h | Fresh | 1,850 | Actuals | Core underwriting & finance ledger — GWP/NEP/claims/expenses. |
| Premium Receivable | BaNCS AR (premium debtors) | Treasury | 2026-06-17 04:12 | Nightly | 24h | Fresh | 40 | Actuals | Broker/group/government premium receivable; drives outstanding-premium aging. |
| Policy Administration | TCS BaNCS — Policy Admin | COO (Kanika Garg) | 2026-06-17 03:40 | Hourly | 4h | Fresh | 2,818,000 | Actuals | 28.18 lakh policies; retail health + motor + commercial on BaNCS. |
| Claims (Motor) | FG ConGo + i-ViSS (motor claims AI) | Chief Insurance Officer | 2026-06-17 02:30 | Hourly | 4h | Fresh | 202,000 | Actuals | OCR smart-form + survey-less video claims; 6,500+ garage network. |
| Claims (Health) | I-Assist OCR + hospital pre-auth portal | Head, Health · Claims · SIU | 2026-06-17 03:05 | Hourly | 4h | Fresh | 304,000 | Actuals | Health-bill OCR + 10,000+ cashless hospitals; 96% settled <3h. |
| Distribution / IRIS | IRIS agent platform | Chief Distribution Officer | 2026-06-17 03:50 | Hourly | 4h | Fresh | 21,000 | Actuals | 21,000+ agents self-issuing Motor/Health/PA/Travel. |
| Customer Servicing (LEO) | LEO GenAI WhatsApp bot | CMCIO | 2026-06-17 05:20 | Streaming | 2h | Fresh | 480,000 | Actuals | Renewals, claim status, health card, garage/hospital locator, UPI/card payments. |
| External signals — News | News adapter (RSS/API) | Strategy | 2026-06-17 05:01 | Streaming | 2h | Fresh | 7 | Actuals | Watchlist: TP tariff, medical inflation, NATCAT, PV sales, Central Bank rollout, peers. |
| Investments / Treasury | Investment mgmt + custodian feeds | Chief of Investments | 2026-06-17 04:05 | Nightly | 24h | Fresh | 900 | Actuals | ₹7,938 Cr AUM, yield 7.59%; solvency margin & sub-debt. |
| Fraud / SIU (IIB) | IIB fraud database + red-flag engine | Chief Risk Officer | 2026-06-17 05:09 | Daily | 24h | Fresh | 4,200 | Actuals | IIB match, Caution Repository, red-flag rules & AI fraud scoring (FMF-2025). |
The panel above is the modelled ingestion heartbeat. This one is real: data-quality rules, their most recent run results and the open governance findings, read from the external repository at request time.
The governance Postgres did not answer (connection failed). The seeded Generali book is unaffected — only this live panel is degraded.
Each governed metric must equal the sum of its components (residual ≈ 0). Run live on the dataset — the flags are the known modelling gaps, not silent errors.
| Group | Identity | Components vs total | Residual | Status |
|---|---|---|---|---|
| GWP roll-up | GWP = Σ lines of businessΣ line-of-business GWP = total GWP | ₹5,548 Cr vs ₹5,548 Cr | ₹0 Cr | ✓ ties |
| GWP roll-up | GWP = Σ zonesΣ zone GWP = total GWP | ₹5,548 Cr vs ₹5,548 Cr | ₹0 Cr | ✓ ties |
| GWP roll-up | GWP = Σ customer segmentsΣ segment GWP = total GWP | ₹5,548 Cr vs ₹5,548 Cr | ₹0 Cr | ✓ ties |
| GWP roll-up | GWP = Σ branch clustersΣ branch-cluster GWP = total GWP | ₹5,548 Cr vs ₹5,548 Cr | ₹0 Cr | ✓ ties |
| Profit | Premium-to-profit bridgeNEP − claims − commissions − expenses + investment income = PAT | ₹94 Cr vs ₹94 Cr | ₹0 Cr | ✓ ties |
| Profit | Combined-ratio turnaround ladderloss + commission + expense ratios − turnaround levers = target combined ratio | ₹110 Cr vs ₹110 Cr | ₹0 Cr | ✓ ties |
| Net earned premium | Net earned premium bridgeFY24 NEP + growth − higher cession = FY25 NEP | ₹3,753 Cr vs ₹3,753 Cr | ₹0 Cr | ✓ ties |
| Net earned premium | NEP = line-of-business bookbridge close = Σ line-of-business earned premium | ₹3,753 Cr vs ₹3,753 Cr | ₹0 Cr | ✓ ties |
| Capital / value | ₹10,000 Cr ambition bridgeFY25 GWP + growth levers = ambition GWP | ₹10,000 Cr vs ₹10,000 Cr | ₹0 Cr | ✓ ties |
| Capital / value | Solvency = ASM ÷ RSMcurrent solvency = available ÷ required margin | 1.96x vs 1.96x | -0.005 | ✓ ties |
| Premium receivable | Overdue premium (>60d) = Σ aged bucketsoverdue_ar KPI = Σ (61–90 + 90+) premium receivable | ₹62 Cr vs ₹62 Cr | ₹0 Cr | ✓ ties |
| Growth initiatives | Initiative pricing identityinvestment = multiple × incremental GWP × margin% (worst of 7 initiatives) | max residual ₹0 Cr across 7 initiatives | ₹0 Cr | ✓ ties |
| Cross-grain (flags) | Network nodes = Σ cluster providersnetwork metric = Σ site.devices (provider nodes) | 10,000 vs 16,530 | -6,530 | ⚠ flag |
| Cross-grain (flags) | NEP = Σ branch-cluster NEPline-of-business earned premium = Σ site.arr | ₹3,753 Cr vs ₹3,700 Cr | ₹53 Cr | ⚠ flag |