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.
| Rule | Asset · column | Dimension | Failed | Pass |
|---|---|---|---|---|
| [CDE] Digital Wallet Transaction Volume - range | bcl_cbs.txnh · txn_amt | Validity | 0 | 0% |
| [CDE] Green Bond Issuance Amount - range | bcl_cbs.txnh · txn_amt | Validity | 0 | 0% |
| [CDE] Social Impact Investment Amount - range | bcl_cbs.txnh · txn_amt | Validity | 0 | 0% |
| [CDE] KYC Status - in_set | bcl_cbs.cifm · kyc_flg | Validity | 676/812 | 16.75% |
| gstin must match GSTIN format | med_his.bill_hdr · gstin | Validity | 1665/2800 | 40.54% |
| gender must match Gender format | med_mart.pat_360 · gender | Validity | 889/1800 | 50.61% |
| gender must match Gender format | med_his.pat_mst · gender | Validity | 986/2040 | 51.67% |
| dob must be a plausible birth date | med_his.pat_mst · dob | Validity | 727/2040 | 64.36% |
Column classified as 'Medical Diagnosis / Procedure (Health)' (GDPR (EU): Special Category Data (Art. 9) | PCI-DSS v4 (Payments): Cardholder Data (CHD)) under GDPR (EU) + PCI-DSS v4 (Payments). Sampled values are stored unmasked (pattern: A99). Required: Suppress or generalise to chapter level; strict need-to-know access
Column classified as 'Medical Diagnosis / Procedure (Health)' (GDPR (EU): Special Category Data (Art. 9) | PCI-DSS v4 (Payments): Cardholder Data (CHD)) under GDPR (EU) + PCI-DSS v4 (Payments). Sampled values are stored unmasked (pattern: A99.9). Required: Suppress or generalise to chapter level; strict need-to-know access
Column classified as 'Policy Monetary Value' (GDPR (EU): Personal Data | PCI-DSS v4 (Payments): Cardholder Data (CHD)) under GDPR (EU) + PCI-DSS v4 (Payments). Sampled values are stored unmasked (pattern: 9999999.99). Required: Access-restrict; not an identifier - retain for actuarial/claims use
Column classified as 'Claim Number' (GDPR (EU): Personal Data (indirect identifier) | PCI-DSS v4 (Payments): Cardholder Data (CHD)) under GDPR (EU) + PCI-DSS v4 (Payments). Sampled values are stored unmasked (pattern: AAA999999). Required: Tokenise / pseudonymise in non-production
Column classified as 'Medical Record Number' (GDPR (EU): Personal Data | PCI-DSS v4 (Payments): Cardholder Data (CHD)) under GDPR (EU) + PCI-DSS v4 (Payments). Sampled values are stored unmasked (pattern: AA999999). Required: Tokenise; encrypt at rest; need-to-know access
Column classified as 'Policy Monetary Value' (GDPR (EU): Personal Data | PCI-DSS v4 (Payments): Cardholder Data (CHD)) under GDPR (EU) + PCI-DSS v4 (Payments). Sampled values are stored unmasked (pattern: 999999.99). Required: Access-restrict; not an identifier - retain for actuarial/claims use
Column classified as 'Policy Number' (GDPR (EU): Personal Data (indirect identifier) | PCI-DSS v4 (Payments): Cardholder Data (CHD)) under GDPR (EU) + PCI-DSS v4 (Payments). Sampled values are stored unmasked (pattern: AAA999999999). Required: Tokenise / pseudonymise in non-production
Column classified as 'Policy Monetary Value' (GDPR (EU): Personal Data | PCI-DSS v4 (Payments): Cardholder Data (CHD)) under GDPR (EU) + PCI-DSS v4 (Payments). Sampled values are stored unmasked (pattern: 9999999.99). Required: Access-restrict; not an identifier - retain for actuarial/claims use
Column classified as 'Derived Risk / Profiling Score' (GDPR (EU): Personal Data | PCI-DSS v4 (Payments): Cardholder Data (CHD)) under GDPR (EU) + PCI-DSS v4 (Payments). Sampled values are stored unmasked (pattern: A). Required: Access-restrict - profiling output about an individual
Column classified as 'Age / Age Band' (GDPR (EU): Personal Data (quasi-identifier) | PCI-DSS v4 (Payments): Cardholder Data (CHD)) under GDPR (EU) + PCI-DSS v4 (Payments). Sampled values are stored unmasked (pattern: 99). Required: Band ages (5/10-year bands) in published analytics
This is the hybrid in one page: the freshness table above is modelled Generali plumbing; everything in this panel is a live read from datagov_meta. Neither can silently pretend to be the other.
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 |