Pick your role. The cockpit opens to your home — your decision queue, your guided journey, and the views you live in. You can switch roles any time from the top bar. (Demo login — no password.)
AR Anup Rau
Managing Director & CEO
Run the general insurer — profitable growth in Health & Motor toward the ₹10,000 cr GWP ambition, bending the combined ratio back below 110% (FY25's 112% is an underwriting loss covered by ₹598 cr investment income), fixing the ~99% health loss ratio, scaling the Central Bank bancassurance channel, and the digital/AI & fraud agenda.
🛰 Control Tower 🌐 Enterprise 360 🎯 Strategy & Goals
Sign in as Anup → DG Devi Dayal Garg
Chief Financial Officer · Combined Ratio · Investment Income · Solvency
Combined ratio → investment income → PAT — the underwriting loss at a 112% combined ratio, the ₹598 cr investment income that keeps PAT positive (₹94 cr, down ~30%), solvency at 196% vs the 150% floor, the ₹517 cr sub-debt and the EOM/expense discipline under the IRDAI cap.
💰 Finance 360 💵 Cash 360 🚪 Turnaround & Growth
Sign in as Devi → PG Board & Promoters
Chair P.K. Gupta · Generali 73.86% · Central Bank of India 26.14%
Is the turnaround compounding value — the path from ₹5,548 cr GWP to the ₹10,000 cr ambition, combined-ratio repair, the Central Bank of India bancassurance moat, solvency strength (196%), and governance through the post-rebrand CBI co-promoter transition for a private, unlisted insurer.
💎 Value Creation Plan 🚪 Turnaround & Growth
Sign in as Board → RG Ramit Goyal
Chief Distribution Officer · Bancassurance (Central Bank)
Scale distribution — the 21,000+ agents, insurance brokers, motor dealers/MISP and direct/digital/aggregator channels, and above all the Central Bank of India bancassurance ramp (only ~6-7% of sales today, the single biggest growth lever across 4,500+ branches) toward the ₹10,000 cr book.
📈 New Business & Underwriting 360 👥 Channels & Customers 360 📍 Branch & Distribution 360
Sign in as Ramit → ST Smita Tibrewal
Chief Insurance Officer · Underwriting · Motor & Health P&L
Own the underwriting P&L — the ~99% health loss ratio and its pricing/network/portfolio fix, Motor OD (free-priced, loss-making) vs TP (tariffed, profitable), the combined ratio, and product & risk selection across Motor, Health and Commercial lines.
📈 New Business & Underwriting 360 🚗 Motor 360 🏥 Health 360
Sign in as Smita → HC Health, Claims & Fraud Office
Head — Health, Claims & Fraud Control
Run health claims and control leakage — the 10,000+ cashless hospital network (96% of cashless claims in 3 hours), claims TAT, medical-inflation pressure on the loss ratio, and fraud/waste/abuse control (8-10% leakage) via SIU, red-flag rules, AI scoring and IRDAI Fraud Monitoring Framework readiness.
🏥 Health 360 🔁 Claims & Renewals 360 🛡 Fraud & SIU 360
Sign in as Health, → RV Ruchika Malhan Varma
Chief Marketing, Customer & Digital/AI Officer
Digital, AI and customer — 87% digital policy issuance, the LEO WhatsApp GenAI bot, FG ConGo motor-claims AI, I-Assist health-bill OCR, i-ViSS survey-less motor and IRIS agent self-issuance, plus NPS and the AI roadmap that moves claims TAT, straight-through processing and fraud catch.
🤖 AI Use Cases 👥 Channels & Customers 360 🧩 Programs & Digital 360
Sign in as Ruchika → One governed dataset, seen through each leader's lens. Headline financials are real FY25 (audited) figures; granular operational detail is modeled.