PROJECT REPORT

ON
INSURANCE INDUSTRIES IN INDIA
FROM
ADITYA BIRLA CAPITAL
(Formerly Birla Sunlife Insurance Company Limited)

MASTER OF BUSINESS ADMINISTRATION

NEHRU GRAM BHARTI UNIVERSITY

UNDER THE SUPERVISION OF
PRATICHA PANDEY

SUBMITED BY - SUBMIT TO
-AMAR KUMAR DWIVEDI NEHRU GRAM BHARTI UNIVERSITY
(DEPARTMENT OF MANAGEMENT)

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 TABLE OF CONTENTS

1- Acknowledgement
2-Executive Summary
3-Introduction
4-About insurance industry in India
5-BIRLA Sun life Insurance Company ltd.
6-Mission, Vision and core values
7-Aditya Birla Financial group
8-About Sunlife Financial
9-Competitor Profile
10-Porter’s Five force analysis
11-Investment in Insurance Industry
12-Product (Birla sun life insurance)
13-Strategy of the Insurance company to target the people
14-Why Insurance in demand
15- Birla group in CSR activities
16-My Experience

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 ACKNOWLEDGEMENT

I take the opportunity to express my gratitude to all who is helped me to

accomplish this project “INSURANCE INDUTRY IN INDIA’’ Allahabad. No
written of amount expression is sufficient to show my deepest sense of
gratitude to them.
I am extremely Thankful to and pay my gratitude to our Placement officer
“Dr. ROHIT RAMESH PANDEY’’ for providing me this opportunity and also for
her valuable guidance support.
I am very thankful to “MANAGEING PARTNER PRATICHA PANDEY’’ SIR who
helps me to make for allowing to join as intern at the company. I am very much
Thankful for his everlasting support and guidance which I have acquired a new
field of knowledge.

A special appreciation “THANK YOU’’ to all staff of “ADITYA BIRLA CAPITAL’’ For
positive support.

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4
 INTRODUCTION

Life is full of risk and uncertainties since we are social human being we have
certain responsibilities too.
Indian consumers have a big influence of emotions and rationality on their
buying and decision. They believe in future rather than present and desire to
have a better and secured future. In this direction life insurance service have
its own value in terms or minimizing risk any uncertainties. Indian economy is
developing and having huge middle class social status and salaried individuals.
Their money value for current needs and future desire generate the reason
behind holding a policy. An attempt has been made in this report to study the
buying behavior of consumers towards life insurance service.
Analyzing consumer behavior is perceived a cornerstone of a successful
strategy
Consumer behavior is a mental and emotional process and the observable
behavior of consumers during, searching, purchasing and post consumption of
a product and service. Similarly consumer behavior is action and decision
process of people who purchase goods and service for personal consumption.
Now if this defining criteria are closely observed it is evident that analyzing
consumers decision making process.

METHODOLOGY :- Developing strategies and promotional campaigns

descriptive and exploratory research. The data collected was both from
primary source and qualitative tool was used.

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 INSURANCE INDUSTRY IN INDIA

The insurance industry in India has 58 insurance companies, including 34 non-

life insurers (25 general insurers, 7 standalone health, 2 specialized insurers).
The insurance industry in India has witnessed an impressive growth rate over
the last two decades driven by the greater private sector participation and an
improvement in distribution capabilities, along with substantial improvements
in operational efficiencies.

Private Life Insurers are expected to grow their retail APE at a CAGR of over
17% between 2021-23, and new retail term premiums are expected to double
in 5 years. The Private Non-Life insurance segment is forecasted to grow at
16% in FY22 and 14% in FY23. Standalone Health Insurers are expected to grow
by over 25% in FY22 due to the increased focus on healthcare.

The New Business Premium for Life Insurers has grown at a CAGR of 14% over
FY14-20 led by the financialization of savings and new product launches, and
the insurance industry size in India is expected to grow at 12.5% CAGR over the
next decade 2020-30 led by specialized products such as protection and
annuities.

Non-life insurers Collective gross direct premium underwritten for non-life

insurance companies grew 22.99% y-o-y to INR 54,491.27 cr for the first
quarter this fiscal from INR 44,303.91 cr for the same period last fiscal.

Market Size

India Insurance market stands at $131 Bn as of FY22. The Indian insurance

industry grew at a CAGR of 17% over the last two decades and is expected to
continue its commendable growth trajectory in the future years.

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 BIRLA SUNLIFE INSURANCE

Aditya Birla Sun Life Insurance Company Limited (ABSLI) is a part of

Aditya Birla Capital Ltd (ABCL). ABSLI was incorporated on August 4th,
2000 and commenced operations on January 17th, 2001. ABSLI is a
51:49 a joint venture between the Aditya Birla Group and Sun Life
Financial Inc., an international financial services organization in Canada.

ABSLI offers a range of products across the customer’s life cycle,

including children future plans, wealth protection plans, retirement and
pension solutions, health plans, traditional term plans and Unit Linked
Insurance Plans (“ULIPs”).

As of June 2022, total AUM of ABSLI Stood at Rs.6,06,604 million.

ABSLI recorded a gross premium income of Rs. 26,197 million in
Q1 FY 2022-23 and registering a y-o-y growth of 49% in Gross Premium
with Individual Business FYP at Rs 4,498 Mn. ABSLI has a nation-wide
distribution presence through 340+ branches, 8 bancassurance partners,
6 distribution channels, over 49,000+ direct selling agents, other
Corporate Agents and Brokers and through its website. The company
has over 19,500 employees and more than 18 lac active customers.

Sun Life Financial is a leading international financial services

organization providing insurance, wealth and asset management
solutions to individual and corporate Clients. Sun Life Financial has
operations in a number of markets worldwide, including Canada, the
United States, the United Kingdom, Ireland, Hong Kong, the Philippines,
Japan, Indonesia, India, China, Australia, Singapore, Vietnam, Malaysia

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and Bermuda. As of December 31, 2021, Sun Life Financial had total
assets under management of CAD 1,445 billion. For more information,
please visit www.sunlife.com. Sun Life Financial Inc. trades on the
Toronto (TSX), New York (NYSE) and Philippine (PSE) stock exchanges
under the ticker symbol SLF.

MISSION, VISION & CORE VALUES

OUR MISSION

To delight our customer by providing quality insurance solution.

OUR VISION

BIRLA SUNLIFE INSURANCE To be the most preferred brand in the

insurance segment.

OUR VALUES

The Birla group has always sought to be a value driven organization.

These values continues to direct the Group’s growth and business. The
five core BIRLA values underpinning the way we do business are

 Integrity- Acting and taking decision in a manner that is fair and

honest. Following the highest standard of professionalism and
being recognized for doing so. Integrity, but encompasses all
other forms as are generally understood.
 Commitment- On the foundation of Integrity doing all that is
needed to deliver value to all stake holders. In the process being
accountable for our own action and decision those our team and
those in the part of the organization for which we are responsible.
 Passion- An energetic initiative real that arise from emotional
engagement with the organization that makes work joyful and
inspires each one to give his or her best. A voluntary spontaneous
and relentless pursuit of the goals and objective with highest level
of energy.

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  Seamlessness-Thinking and working together across functional
groups, hierarchies business and geographics leveraging diverse
competencies and perspective to gamer the benefit of synergy
while promoting organizational unity through sharing the
collaborative efforts.
 Speed- Responding to internal and external customer with the
sense of urgency. Continuously striving to finish before deadlines
and choosing the best rhythm and optimize organizational
efficiencies.

Aditya Birla Group

Aditya Birla Group is an Indian multinational conglomerate

headquartered in Worli, Maharashtra. The company operates in over 34
countries and engages in the manufacture and distribution of metals,
cement, carbon black, chemicals, fertilizers, fashion & retail products,
etc., and also provides finance and telecom services.

Here are a few of the top Aditya Birla Group subsidiaries listed in BSE
and NSE:

 Grasim Industries Ltd.

 Vodafone Idea Ltd.
 Hindalco Industries Ltd.
 Aditya Birla Fashion & Retail Ltd.
 UltraTech Cement
 Aditya Birla Capital

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 Total market Value of Aditya Birla Group

Source article Times of India

Aditya Birla Financial group

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Aditya Birla Finance Limited (ABFL), a subsidiary of Aditya Birla Capital
Limited (ABCL), is among the leading well-diversified non-banking
financial services company in India. ABFL offers end-to-end lending,
financing, and wealth management solutions to a diversified range of
customers across the country. ABFL is registered with the RBI as a
systemically important non-deposit accepting non-banking finance
company (NBFC) and is amongst the top five largest private diversified
NBFCs in India based on AUM.

For the quarter ended 30th June 2022, ABFL has a lending book of
Rs.578.39 billion and a net worth of Rs.102.01 billion. ABFL’s long-term
credit rating of AAA (stable) has been reaffirmed by ICRA in February
2022. ABFL also has long-term credit rating of AAA (stable) by India
Ratings, Perpetual debt credit rating of AA+ (stable) by ICRA and AA+
(stable) by India Ratings (stable) and short-term credit rating of A1+ by
ICRA & India Ratings.

ABCL is the holding company for the financial services businesses of the
Aditya Birla Group. ABCL’s subsidiaries have a strong presence across
Protecting, Investing and Financing solutions. ABCL is a universal
financial solutions group catering to diverse needs of its customers
across their life stages. Powered by more than 33,500 employees, the
subsidiaries of ABCL have a nationwide reach with 1,094 branches and
more than 2,00,000 agents, channel partners and several bank
partners.

As of June 30th, 2022, ABCL manages aggregate assets under

management over Rs.3,550 billion, has a consolidated lending book of
approx. Rs.699 billion, and an active customer base of over 39 million,
through its subsidiaries and joint ventures.

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About Sun Life Financial

Sun Life is a leading international financial services organization

providing a diverse range of protection and wealth accumulation
products and service to individual and corporate customers. Chartered in
1865 Sun Life Financial and its partners today have operation in key
market worldwide including Canada, the United States the United
Kingdom, Ireland, Hong Kong the Philippines, Japan, Indonesia, India,
China, and Bermuda. As of march 31,2012 the Sunlife financial group of
companies had total assets under management of $494 billion.

COMPETITOR’S PROFILE

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Life Insurance Corporation of India is an Indian state owned insurance
group and investment company. Its subsidiary are LIC Lanka, LIC cards
services, LIC pension funds ltd., LIC International, LIC Nomura Mutual
fund, Life Insurance corporation the largest insurance company in India
has business.

Life Insurance Corporation (LIC) of India reported a 40% surge in net

profit in FY 2021-2022 at Rs. 4,043crore. In the previous financial year,
its net profit was Rs. 2,901crore.

In terms of total revenue, the insurer saw 6% growth to reach Rs.7.20

lakh crore in FY 2021-22.

The first-year premium also rose to Rs. 36,649 crore from Rs. 33,930
crore. Renewal premium also showed a similar rise. It grew from Rs.
2.20 lakh crore to Rs. 2.30 lakh crore.

However, the last quarter of FY 2021-2022 witnessed a 18% drop in

standalone net profit from Rs. 2,893crore to Rs. 2,372crore.

LIC offers a variety of variety of Insurance products to its customer such

as Insurance plan, pension plan, unit linked plans, special plans and
group scheme.

IDBI Bank, LIC Mutual Fund, LIC Pension Fund, LIC Housing
Finance, LIC Cards Services, and LIC International are some of the
subsidiaries of LIC.

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ICICI Prudential Life Insurance Company (ICICI Prudential Life) is a joint
venture between ICICI Bank Ltd., India's largest private sector bank, and
Prudential. ICICI Prudential Life was amongst the first private sector life
insurance companies to begin operations in December 2000 after
receiving approval from Insurance Regulatory Development Authority of
India (IRDAI).

ICICI Prudential Life's capital infused stands at Rs. 48.16 billion (as of
March 31, 2015) with ICICI Bank Ltd. and Prudential holding 74% and
26% stake respectively. For the financial year 2015, the company
garnered a total premium of Rs. 153.07 billion. The company has assets
under management of Rs. 1001.83 billion as on March 31, 2015.

For over a decade, ICICI Prudential Life has maintained its dominant
position (on new business retail weighted basis) amongst private life
insurers in the country, with an array of products to match the different
life stage requirements of customer and enable them to achieve their
long term financial goals.

The strong performance has also enabled us to maintain our position as

the private sector market leader on New Business Sum Assured basis,
which grew by 42.3% year-on-year, with a market share of 15.7%.”

Market Capitalization of ICICI Prudential Life stock is Rs 64,988.64 Cr.

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HDFC Life are committed to offer innovative products and services that
enable individuals live a ‘Life of Pride’. For over two decades we have
been providing life insurance solutions that cater to various needs of
individuals - protection, pension, savings, investment, annuity and health
– thus covering the three key risks of mortality, morbidity and longevity.

Our long-stated strategy of balanced product mix, diversified distribution,

continuous product innovation and re-imagining insurance through
effective use of technology has enabled us to continue our journey
despite the ever-changing external environment.

HDFC Life share has a market capitalization of Rs 1,23,959 Cr. Within

Financial Services sector, it's market cap rank is 2.

HDFC Standard Life went public with an IPO (initial public offering) of
Rs.8,695 crore. The stock was listed on November 17, 2017. The share
price in November 2017 was close to Rs.285 on NSE and BSE.

The price of the the stock continued to increase throughout December

2017 at around Rs.380 as the company declared the Interim Dividend.

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As per CRISIL, HDFC Standard Life is one of the most profitable
insurers considering the value of new business (VNB) in 2016 and 2017.
In terms of market share, the company is among the top three private life
insurance companies.

The total market capitalization of HDFC Life, as of March 2018, is more

than Rs.85,000 crore.

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As of November2022 SBI Life Insurance has a market cap of $15.28
Billion. This makes SBI Life Insurance the world's 1040th most valuable
company by market cap according to our data. The market capitalization,
commonly called market cap, is the total market value of a publicly
traded company's outstanding shares and is commonly used to measure
how much a company is worth.

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PORTERS FIVE FORCE ANALYSIS

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COMPETITIVE RIVALRY

 Insurance industry is becoming highly competitive with 58

players operating in the industry.
 Companies are competing on price and also using low price
and high returns strategy for customers to lure them.

THREATS OF NEW ENTRANTS SUBTITUDE PRODUCTS

 Other financial companies  Similarity in service makes
can enter the industry. switch over a potent threat.

 Overall threat is medium  Investment oriented

given that entry is subject to customer have switched to
license and regulation. other avenues.

SUPPLIERS POWER BUYERS POWER

 Supplier being the distributor  Bargaining power of
or agent have high customer especially
bargaining power because corporate is high because
they have customer they pay huge amount of
database and can influence premium.
customer in making choice.

INVESTMENT IN INSURANCE INDUSTRY

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The insurance industry is one of the main sources of institutional
investment in the world. By exercising this function, it contributes to the
consolidation of capital via stable resource inflows for the long-term
financing of projects that drive economic growth, bringing stability to the
financial system by providing a steady source of financing that reduces
pro-cyclicality at times of crisis.

This investment role performed by the insurance industry can be

explained by the fact that its business model involves the need to
implement liability-driven investment strategies in order to achieve an
appropriate match in terms of maturity, interest rates and currencies
between recognized liabilities and the investment instruments that back
them up.

In this context, MAPFRE Economic Research has carried out an

analysis of the composition of insurance companies’ investment
portfolios in a variety of developed markets (the Eurozone, the United
States, the United Kingdom and Spain) and of emerging markets (Brazil
and Mexico), tracing the relationship in the case of the European
markets with the capital risk weights imposed on each asset type under
the new Solvency II regulations. The analysis identifies the major asset
categories so as to facilitate comparisons among the selected markets.

A distinction has been made, whenever possible, between the traditional

portfolio (in which the insurance company holds the investment risk) and
the unit-linked portfolio (in which it is the person taking out the insurance
who assumes the investment risk). It is the composition of the traditional
portfolio that presents the greater interest for purposes of analysis, since
in the latter case, the investment decisions and the risk assumed fall to a
great extent on the person taking out the insurance.

The combined value of the investment portfolios analyzed totals 15.3

trillion euros, representing significant proportions of the GDP of their
respective markets, the most notable case being the United Kingdom,
with a figure of 97%.

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India’s Insurance industry is one of the premium sectors experiencing
upward growth. This upward growth of the insurance industry can be
attributed to growing incomes and increasing awareness in the industry.
India is the fifth largest life insurance market in the world's emerging
insurance markets, growing at a rate of 32-34% each year. In recent
years the industry has been experiencing fierce competition among its
peers which has led to new and innovative products within the industry.
Foreign Direct Investment (FDI) in the industry under the automatic
method is allowed up to 26% and licensing of the industry is monitored
by the insurance regulator the Insurance Regulatory and Development
Authority of India (IRDAI).

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 MARKET SHARE OF INSURANCE COMPANY

GROWTH BAR OF THE DIFFERENT PRIVATE PLAYERS IN INSURANCE

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STRENGTH
 Multi-channel distribution and one of the largest distribution
network in India.
 Implementing six-sigma analysis
 Use swot analysis
 Customer centric
 Superior Investment and risk management framework.

WEAKNESS
 Company does not penetrate on the rural market at a time.
 There is no plan for the low Income group.
 Fees of the advisor is high.

OPPORTUNITY
 Insurance market is very big and expand its horizon in insurance
industry.
 Though good Investment and insurance it is easy to top Indian
customers.
 The huge insurance market (77%) is left so company has
opportunity to expand our products.
 To associate with the more no. of HNI.

THREATS
 OLD HABITS DIE HARD It is still difficult task to win the
confidence of public towards private company.
 The company is facing major threats from LIC which is only
government company.
 Plans for all income group are not available which can create
adverse effect later on the market share of the company.
 Digital payment networks are highly dependent on security and
stability, as they are more susceptible to cyberattack, identity
fraud, etc.

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  Inflation will add to pressure on insurers’ profitability, already under
stress from competition and regulatory requirements.
 To make a policy to some one who is not alive. This makes a fraud
from the company.

ADVANTAGE OF INSURANCE INDUSTRY IN INDIA

The insurance industry in India has witnessed an impressive growth rate

over few the last few years. Moreso since the Covid situation, the life
insurance industry in India is poised to experience prodigious growth
over the next few decades. Continuous economic growth, favorable
demographics coupled with rising gaps across mortality protection and
retirements savings are some of the leading factors. According to IBEF,

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in September 2021, new premiums of life insurers registered 22.2%
growth, up from 2.9% in September 2020.

The industry now needs to move from the current “Assess and Service”
model, where data is used to assess risks & provide standard products
and care suggestions, to the ‘predict, personalize, engage, & share
value” model, pivoted around deeper customer engagement in the
advice-based model. This will help insurers offer customers personalized
products and suggestions. This will not only greatly improve customer
experience but also enable agents to reach customers more effectively.

WHY IN DEMAND

AREA COVERED IN URBAN AND RURAL

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As per the latest data there are only 18 per cent of people in urban areas of the country are
covered under any kind of health insurance scheme, the government said today.

PRODUCT (SUN LIFE INSURANCE)

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RESEARCH METHODOLOGY

VISION LIFE INCOME PLUS

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 VISION LIFE INCOME

Research Design:-

Research took place in two phase :-

Phase 1 :- Primary Research :- Interaction with target group to understand their

behavior factors affecting their choices. The survey was conducted media and
marketing plan were discussed and their views are collected that could they relate to
the product and do the marketing campaigns and advertisement influence their
decision of buying the product. The primary research includes interview with the
client and a group discussion with the team.

Phase 2 :- Secondary Research :- Collection of data and information from various

website and articles and blogs. After the collection of article and blogs analysis the
data both primary and secondary source a detailed report structure was built up. A
Qualitative research was conducted.

STATEGY OF THE INSURANCE COMPANIES TO TARGET THE PEOPLE

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  Create a Referral system

Think of a family tree, linking different members of your extended family.

It’s never-ending. This also means at every point in time, you have a
pipeline of potential customers who are waiting to be converted by your
insurance sales team.

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  Create more pages

See this as a chance to flex your muscles on your various insurance

policies. Create special pages for each insurance policy and make it
easy to find. Write informative and engaging blog posts about your
offerings and other industry-relevant topics. Work hand-in-hand with a
content marketing team that understands the process of generating
leads from well-designed content.

 Established a clear nurturing strategy

79% of leads do not make it into becoming permanent customers. A bulk

of the blame goes to a lack of nurture. This topic in itself is deserving of
a long blog post. That’s how important it is to the success of your
insurance sales team. To get ahead of the game, your team needs to
come up with a lead nurturing strategy. This means that your marketing
is targeted towards a certain audience and therefore creating a matching
buyer persona.

 Cross sell to current customer

If you run a multi-policy insurance sales team, cross-selling can be a

great way to increase sales. For example, if you have sold a car
insurance policy to someone, there is a chance that they might be
interested in getting a house insurance or life insurance policy, too.

To make it more enticing, you can introduce discounts to customers who

are already subscribed to a particular insurance policy and might qualify
for another, based on your lead scoring process. The idea is to kill two
birds with a stone.

 Establish Partnership

This is one of many insurance selling strategies that is often overlooked.

However, creating business bonds with relevant partners can bring more
business to you. Imagine signing a contract with a car dealership to sell
your insurance policies whenever a customer buys their cars. For the car

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dealership, the partnership can be one of its unique selling propositions.
For you, the insurance provider, it is a way of extending your reach
offline and also increasing your customer base.

 Advertise Online

Facebook, Google, LinkedIn, Twitter, etc. are great platforms to run your
ads on. My friend who runs ads tells me, “It is easy to create ads. You
just click a few buttons, add the ad copy and just hit run. Creating
campaigns doesn’t matter. Understanding your audience and running
targeted campaigns do.”

 Adopt an insurance CRM

Make no mistake, a lot of the points made above can only be achieved
via automation. From lead generation to lead scoring, adopting an
insurance CRM ensures that everyone is working in sync. Your sales
team is able to capture leads from your online and offline channels and
then, distribute to the right personnel for follow-up and possibly, closure.

ADITYA BIRLA CAPITAL IN CSR (CORPORATE SOCIAL

RESPONSIBILITY)

The Aditya Birla Group's ethos of giving and caring underpins its
community empowerment projects around healthcare, education,
infrastructure, and other national priorities.
The Aditya Birla Group, among India's most respected and admired
multinationals, has always championed the cause of the underprivileged,
believing intrinsically that it is their ‘dharma’, their ‘duty’. It all began way
back in the pre-independence era, fronted by Ghanshyam Das Birla
under the magnetic spell of Mahatma Gandhi and his philosophy of
trusteeship. His grandson, Aditya Birla, took it a few leagues forward,
stewarding inclusive growth and his son, Kumar Mangalam Birla brought
a paradigm shift.

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In Education, our Endeavour is to spark the desire for learning and knowledge
at every stage through • Formal schools • Balwadis • Quality elementary
education • Aditya Bal Vidya Mandirs.

 We reach out to over 100,000 students through our network of

formal and non-formal educational institutes. Of these, girls
constitute 50%.

 At our 56 schools across India, we provide quality education to

46,500 children. Merit Scholarships are given to 32,000 children
from the interiors. Over 28,000 children in the hinterland of India
are being taught conversational English to build their confidence.

The Group’s CSR work revolves around holistic development, economic,

social and environment. Its work is in sync with the National
Development Agenda, premised on the single point of poverty
alleviation. The Group is attuned with the UN Sustainable Development
Goals (SDGs). The SDGs are a bold universal agreement to craft an
equal, fair and secure world for people, the planet and prosperity by
2030.

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Empowering women for sustainable development :- Empowerment
of women is critical for social transformation and to fast-track India's
economic growth. As a conscientious corporate citizen committed to
the communities it serves, the Aditya Birla Group (ABG) has championed
the cause of women's transformation through empowerment.

 Our Vocational Training Center and the Aditya Birla Rural

Technology Park accord training in sustainable livelihood projects
to 95,000 people.

 Through the Aditya Birla Skills Foundation, we have set up five

large Multi Skill Multi Sector Training Center in Raipur, Udaipur,
Vadodara, Bhopal, and Nagpur, creating an annual capacity of
about 2,000 urban youth (18 – 30 years). Short term (2 to 3
months) training programs are offered, ranging from hospitality
to computers to electronic and electrical repair to cosmetology.
So far, over 100,000 people have been trained under these
initiatives. We plan to open another 6 to 8 centers by next year.

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A CSR initiative launched Odisha in 2015 by Hindalco, SAKSHAM
supports numerous structured entrepreneurship and economic
empowerment programs such as poultry, fish cultivation, tailoring,
mushroom and vegetable cultivation, and so on.

For instance, 26 women beneficiaries, part of an SHG based in

Naikpada village of Odisha's Sambalpur district, earned ₹15,000 each
by processing turmeric in 2020. The project's success has encouraged
the members to diversify into other spices, and the ABG team is helping
them procure machinery and market their spices locally.

Healthcare :-

Over a million patients treated at 6,000 medical camps and our 24

hospitals annually More than 1,200 children have undergone cleft lip
surgery.

Over 125 deaf and mute children have undergone the cochlear implant
surgery.

Over 5,000 physically challenged persons have been provided with

artificial limbs making them self-reliant in Karnataka (Harihar - 3,000
persons) and at Lucknow (Jagdishpur). This is done in collaboration with
Bhagwan Mahavir Viklang Sahayata Samiti.

Our partners

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In our Endeavour to make a difference to the lives of the
underprivileged, we partner with government bodies, district
authorities, village panchayats and other like-minded organizations. We
also collaborate with external agencies to share ideas, draw from each
other's experiences, and ensure that efforts are not duplicated. Service
to the community is at the core. We work with WHO, Australia India
Council, Bill and Melinda Gates Foundation, Habitat for Humanity, CII,
European Union (EU), Global Compact Network, International Rotary
Club, National Skills Development Council, FICCI, NABARD, NACO,
CARE, IGNOU, Aide et Action, SEWA, BAIF, MYRADA, Basix, CARD, Art
of Living Foundation, Smile Foundation, Maya Foundation, Childline
India Foundation and local NGOs.

Infrastructure :- Across the country, we have helped build community

halls, school blocks, playgrounds, approach roads, solar lights, water
harvesting structures, installed hand pumps, facilitated village drainage
systems, impacting the lives of nearly 500,000 people.

 We have installed more than 1,000 biogas plants pan India.

 Working closely with Habitat for Humanity, we have so far built more
than 500 houses as part of our community outreach program, besides
supporting the building of an additional 3,800 houses across India.

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Model villages :-

We are engaged in creating model villages in rural India. This is a game

changing transformative project for which we have chosen 300 villages.
In a five-year timeframe, the villages will be self-reliant in every aspect,
changing their ‘below the poverty line’ status. So far, more than 128 of
these villages in India's hinterland in Tamil Nadu, Karnataka,
Chhattisgarh, Maharashtra, Gujarat, Madhya Pradesh and Rajasthan
have already reached the level of model villages.

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 My Personal Experience

It’s a great experience of mine to work with a one of a reputed

organization that serve our country to more than 100 years and work for
nation development and also expand his business in 26 countries and
work in all the important sector. And work for our employee wellness
and care for her each and every stage.

And a very special thanks for Managing Partner Praticha Pandey sir
who allow me to join the Allahabad branch and share with me his own
great experience which he earn. I learn a lot under his guidance and
make ourself worthy.

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