HANDOUT

Feb’24
An insightful workshop with focused discussion on:

➢ Macro economic factors and exciting Fund Facts

➢ Comprehensive HNI & SME propositions
➢ Effective customer conversations around the propositions
INDIAN ECONOMY: Golden Decade

❖ India is the fastest Top 10 Global economy ❖ CAPEX cycle improved, with strong private
sector balance sheet - A big enabler
❖ Adequately provisioned banks in the
❖ Political & Economic stability
economy helping to fund more & better
❖ Higher tax collection enabling govt. to build
❖ Affluent Indian may number 100 M by superior infrastructure
2027 Fastest growing Formalization of ❖ Production linked incentive (PLI)
strengthening the manufacturing sectors
major economy Indian economy

❖ India poised to become $7 trillion economy

by 2030
❖ India getting added to JP Morgan Bond
Index ❖ India is in the midst of a multiyear property
upcycle
❖ Corporate India earnings growth trajectory
still strong even as global growth is slowing ❖ Newer centers evolving & cultivating
down offshore service arms for MNCs around the
❖ Domestic flows are extremely strong which Rising per Capita Portfolio & Capital globe
has largely offset FIIs outflows reducing Income Inflows ❖ Rising per capita income leads to higher
market volatility disposable income which will favor higher
discretionary consumption

for Internal consumption and not for customer solicitation

Fastest Growing Major Economy

1. India is the fastest growing Top 10 2. Political & Economic stability

global economy

3. Affluent Indians may number

100M by 2027

Source: Key Features of Budget 2024-2025, Ministry of Finance Budget division

for Internal consumption and not for customer solicitation

Glimpse of Fund Performance as on 31st Dec’23

Index
5-year 5-year 10-year Index 10-year 1-year Index 1-year
Fund Options Perfor
return Alpha return performance Alpha return Performance Alpha
mance
MULTI CAP FUND 27.29% 15.68% 11.61% - - - - - -

TOP 200 FUND 26.56% 15.68% 10.88% 20.88% 14.31% 6.57% - - -

INDIA CONSUMPTION FUND 25.41% 15.68% 9.73% - - - - - -

WHOLE LIFE MID CAP EQUITY

22.02% 20.90% 1.12% 21.89% 19.06% 2.83% - - -
FUND

LARGE CAP EQUITY FUND 20.62% 14.88% 5.74% 16.79% 13.17% 3.62% - - -

TOP 50 FUND 17.71% 14.88% 2.83% 15.16% 13.17% 1.99% - - -

SUPER SELECT EQUITY FUND 16.59% 16.83% -0.24% 17.15% 15.32% 1.83% - - -

EMERGING OPPORTUNITIES
- - - - - - 56.15% 44.59% 11.56%
FUND

for Internal consumption and not for customer solicitation

INDIA CONSUMPTION FUND (as of 31 st Dec’23)

Fund Strategy:
25.41% CAGR
✓ Policyholders benefit as India consumes.
Last 5 Years’ Fund performance
✓ Rides on the secular multi decadal consumption
theme of India on the back of rising per capita
+9.73% Alpha from benchmark income and favourable demographics which boost
Benchmark: S&P BSE 200 – 100% the domestic demand.
✓ The fund has not only taken advantage of upcycles
but have been successful in managing extreme shock
Rs. 1360.81 Crs. events like the steep decline in the Indian equity
Asset Under Management (AUM) markets during the start of Covid.

42.82%
Benchmark Fund

27.47%
25.41%
22.76% 21.18%
17.73%
15.68%
13.37%

Last 1 Yr Last 3 Yr Last 5 Yr Since Inception

for Internal consumption and not for customer solicitation
MULTI CAP FUND (as of 31st Dec’23)
Fund Strategy:
27.29% CAGR ✓ Large-caps companies provided stability to the return
Last 5 Years’ Fund performance profile while mid and small-caps companies were
responsible for generating the impressive returns.

+11.61% Alpha from benchmark

✓ In more recent times, the fund manager’s call of
increasing weight in small caps when valuation were
Benchmark: S&P BSE 200 – 100% favorable in second half of fiscal 2023 further led to
impressive outperformance.

Rs. 4674.75 Crs. ✓ The fund has invested in emerging sectors like Electronic
Manufacturing Services (EMS), niche Chemicals, Defense
Asset Under Management (AUM)
& E-R&D through a slew of mid and small companies.

42.09% Benchmark Fund

29.49%
27.29%
22.60%
22.76%
17.73%
15.68%
13.37%

Last 1 Yr Last 3 Yr Last 5 Yr Since Inception

for Internal consumption and not for customer solicitation
TOP 200 FUND (as of 31st Dec’23)
Fund Strategy:
26.56% CAGR
✓ A portfolio of market leaders in large and niche sectors.
Last 5 Years’ Fund performance
✓ This fund focuses predominantly on quality large cap &
midcap companies to generate superior performance vs
+10.88% Alpha from benchmark the benchmark.
Benchmark: S&P BSE 200 – 100% ✓ While large cap investment have provided stability and
reasonable compounding of returns, the investment in
several high-quality mid cap companies, which over
Rs. 1539.02 Crs. time become large cap companies, has been source of
Asset Under Management (AUM) significant alpha generation.

41.88%
Benchmark Fund

28.41%
26.56%
22.76%
19.44%
17.73%
15.68% 15.66%

Last 1 Yr Last 3 Yr Last 5 Yr Since Inception

for Internal consumption and not for customer solicitation
WHOLE LIFE AGGRESSIVE GROWTH FUND (as of 31 st Dec’23)

Fund Strategy:
17.36% CAGR
✓ Risk profile of a hybrid fund and performance of an equity
Last 5 Years’ Fund performance fund.
✓ Bond portfolio predominantly consists of government
+5.18% Alpha from benchmark securities and high-quality AAA rated corporate bonds.
Benchmark: Nifty 50-65%,
CRISIL Composite Bond Fund Index-35% ✓ The fund reduced equity allocation during the start of
Covid period to 60% and increased it progressively to 69%
in Sep 2020 to capture the subsequent pull back in the
Rs. 747.91 Crs. equity markets. The fund outperformed the benchmark
Asset Under Management (AUM) index in May 2020 itself by 154bps.

28.56% Benchmark Fund

17.39% 17.36%
15.57%
11.83% 12.18% 12.67%
9.36%

Last 1 Yr Last 3 Yr Last 5 Yr Since Inception

for Internal consumption and not for customer solicitation
Consistent fund performance

Average rolling returns

Rolling Return (%) # Rolling Return distribution - 7 year (% of times)
Fund's Name / Index 3Y 5Y 7Y < 0% 0-8% 8-10% 10-12% 12-15% 15-20% > 20%

Whole Life Mid Cap Equity Fund 15.8% 14.0% 15.6% - - - - 24.0% 76.0% -
Nifty Midcap 100 13.5% 10.6% 13.5% - - - 16.0% 76.0% 8.0% -

Large Cap Equity Fund - Life 15.6% 14.4% 14.9% - - - 4.0% 40.0% 56.0% -
Top 50 13.4% 12.0% 13.1% - - - 24.0% 68.0% 8.0% -
Nifty 50 12.3% 11.1% 11.9% - - 8.0% 36.0% 56.0% - -

Super Select Equity Fund 14.2% 12.5% 13.9% - - - 4.0% 80.0% 16.0% -
-
Top 200 18.8% 17.3% 17.8% - - - 8.0% 84.0% 8.0%

Multi Cap Fund * 24.0% 22.1% 22.0% - - - - - - 100%

India Consumption Fund * 21.7% 20.1% 20.2% - - - - - 56.0% 44.0%
S&P BSE 200 13.0% 12.6% 13.0% - - - - 94.0% 6.0% -
Fund Performance as at 31st Dec, 2023. Monthly rolling returns for the last 10 years
# Average returns for the last 10 years
* Multi Cap and India Consumption fund data is since inception
for Internal consumption and not for customer solicitation
Focused Customer Segments

NRI
HNI - Indian (An individual who has been residing outside
(Individuals with investible surplus of ₹ 25 India for more than 182 days during the
Lacs to ₹ 2 Crore) course of the preceding financial year
(April-March)

SMEs Silvers
(Enterprises where the investment in plant
and machinery or equipment is between ₹ (Individuals aged 45 & above which include
25 Lakhs to ₹ 10 Crore) retired or those nearing retirement)

for Internal consumption and not for customer solicitation

TWO-FOLD CUSTOMER CONVERSATION OPPORTUNITIES

Personal/Family Needs Professional Needs

• Financial protection for family • Financial protection for

against uncertainties business & family against
business risk
• Financial goals & wealth
creation for self and family • Director’s benefit (Wealth
creation from company)

3 WAYS TO INITIATE AN EFFECTIVE CONVERSATION

CONTEXTUAL FACTUAL STORY BASED
(Familiar Prospects)

E.g., personal goals,

E.g., economic scenario E.g., fund performance event, etc.

for Internal consumption and not for customer solicitation

The Rise of India’s Affluent Class

Individual tax filing with >10Lacs annually grown by 19%

CAGR in the last 5 years with Term deposits in the bank
between fiscal 2019 to 2023 expanded at 45% CAGR.

Source: Goldman Sachs report - 'The Rise of Affluent India

affluent Indians: Nearly 100 million Indians to earn over $10k by 2027: Report - The Economic Times (indiatimes.com) for Internal consumption and not for customer solicitation
Compelling propositions addressing these needs

FG Plus
PR-
FG Elite
Supreme
Guaranteed Equity oriented

FGRR Pro-Fit

for Internal consumption and not for customer solicitation

PR ELITE: ILP
Income PLAN
Construct SSR Pro:TB:ADB:ATPD = 80:20:80:80

PROTECTION A solution that provides protection against:

through Guaranteed
Sum Assured
Death

Terminal
Illness

Disability

WELLNESS WEALTH
through
through
Equity Return on
Riders Investment Maturity
Annual Free
Health Checkup*
* Vitality provides discounts on rider premiums basis your Health Status
for Internal consumption and not for customer solicitation
 Param Rakshak

E L I T E
Exceptional Long-Term Income Total Exclusively
Fund Capital for various Protection for HNI
Performance Appreciation goals Tax Customers
Efficient

for Internal consumption and not for customer solicitation

5-year period best-in-class returns

1st in Multi Cap 1st in Large Cap

Rank Category: Largecap CAGR (%)
Rank Category: Multicap CAGR (%) 1 Tata AIA Life - Life Large Cap Equity Fund 21.22%
1 Tata AIA Life Multi Cap Fund 28.53% 2 Future Generali Life - Future Pension Active Fund 19.99%
2 Tata AIA Life - Tata AIA Top 200 27.55% 3 Future Generali Life - Future Apex Fund 19.23%
3 Tata AIA Life India Consumption Fund 26.78% 4 Reliance Life Pure Equity Fund 1 19.09%
4 PNB Met Life - Virtue Fund II 22.80% 5 Reliance Life Pure Equity Fund 2 19.00%
5 PNB Met Life - Premier Multi-cap Fund 22.30% 12 Max Life Pension Growth Fund 18.15%
10 Aditya Birla Sun Life - Individual Pure Equity Fund 19.33% 22 HDFC Standard Life - Largecap Niche Life Fund 17.40%
16 Bajaj Allianz Pure Equity Fund 17.82% 25 Bajaj Allianz Life – Equity Index Fund 16.94%
25 ICICI Prudential Pension Opportunities Fund 16.52% 33 ICICI Prudential Life - Pension Maximiser Fund II 16.52%
46 Aditya Birla Sun Life - Individual Super 20 Fund 15.77%

Source – Morningstar India | As of 30 Jan 2024

© Morningstar 2016. All Rights Reserved. The Morningstar name and logo are registered marks of Morningstar, Inc., a leading provider of independent investment research in North America, Europe, Australia, and Asia, offering an extensive line of products and services for individual
investors, financial advisors, asset managers, retirement plan providers and sponsors. Past performance may or may not be sustained in future and is no indication of future performance. The Star Rating presented herein does not constitute investment advice and is not an offer to buy or
sell the security concerned; nor may it be construed as a representation regarding the legality of investing in the security concerned. Morningstar, its affiliates, and their officers, directors and employees shall not be responsible or liable for any trading decisions, damages or other losses
resulting from, or related to, the Star Rating or its use. Please seek necessary advice and read all relevant issue documents pertaining to the security concerned, including without limitation, the detailed risks involved in the investment, before making an investment decision

for Internal consumption and not for customer solicitation

5-Year period - Superior returns as compared to similar MF

2nd in Multi Cap 1st in Large Cap

Category: Largecap CAGR (%) Category: Largecap CAGR (%)
Quant Active Fund Growth Option Direct Plan 30.33% Tata AIA Life - Life Large Cap Equity Fund 21.64%
Tata AIA Life Multi Cap Fund 28.98% Canara Robeco Bluechip Equity Fund Direct Plan Growth 19.35%
Mahindra Manulife Multi Cap Fund Direct Plan Growth 26.48% Baroda BNP Paribas Large Cap Fund Direct Plan Growth 19.31%
Mahindra Manulife Multi Cap Fund Regular Plan Growth 24.33% ICICI Prudential Bluechip Fund Direct Plan Growth 19.28%
Nippon India Multi Cap Fund - Direct Plan - Growth 21.60% Nippon India Large Cap Fund - Direct Plan - Growth Plan 19.09%

Source – Morningstar India | As of 30 Jan 2024

© Morningstar 2016. All Rights Reserved. The Morningstar name and logo are registered marks of Morningstar, Inc., a leading provider of independent investment research in North America, Europe, Australia, and Asia, offering an extensive line of products and
services for individual investors, financial advisors, asset managers, retirement plan providers and sponsors. Past performance may or may not be sustained in future and is no indication of future performance. The Star Rating presented herein does not constitute
investment advice and is not an offer to buy or sell the security concerned; nor may it be construed as a representation regarding the legality of investing in the security concerned. Morningstar, its affiliates, and their officers, directors and employees shall not be
responsible or liable for any trading decisions, damages or other losses resulting from, or related to, the Star Rating or its use. Please seek necessary advice and read all relevant issue documents pertaining to the security concerned, including without limitation, the
detailed risks involved in the investment, before making an investment decision

for Internal consumption and not for customer solicitation

PR - Elite | cost and returns at various growth rates

IRR – 9.71%
PPT: 12 years AP/TP ~ 13Lac/1.5 Cr Investable portion: 10.5 Lac (~81%) FV- 64 Cr

Growth rate FV IRR RIY

8% 15 Cr 5.91% 2.09%
10% 31 Cr 7.79% 2.21%
12% 64 Cr 9.71% 2.29%

Age: 75 IRR- 7.79%

8% | 8.3Crs. | 5.78% FV - 31 Cr
10% | 14Crs. | 7.63%
12% | 24Crs. | 9.52%

Age: 65
8% | 4.5Crs. | 5.45% IRR – 5.91%
10% | 6.3Crs. | 7.33% FV - 15 Cr
12% | 9Crs. | 9.19%

Year 1 Year 5 Year 10 Year 15 Year 25 Year 35 Year 45

FV at 8 FV at 10 FV at 12

Age: 40 Years | Male | MultiCap Fund |PT: 45 Y| SA – 5Cr | Premiums are without any discount
for Internal consumption and not for customer solicitation
PR - Elite | cost and returns at various growth rates

PPT: 12 years AP/TP ~ 13Lac/1.5 Cr Investable portion: 10.5 Lac (~81%)

Growth rate FV IRR RIY Income with SWP IRR – 9.53%
FV- 39 Cr
8% 10 Cr 5.78% 2.22% 5 Lac
10% 19 Cr 7.63% 2.37% 7.5 Lac
12% 39 Cr 9.53% 2.47% 10 Lac

Age: 75
8% | 5.7Crs. | 5.62%
10% | 9.1Crs. | 7.45%
12% | 15.4Crs. | 9.32% IRR- 7.63%
FV - 19 Cr,
Age: 65
8% | 3.4Crs. | 5.23%
10% | 4.6Crs. | 7.11%
12% | 6.5Crs. | 8.98% IRR – 5.78%
FV - 10 Cr

Year 1 Year 5 Year 10 Year 15 Year 25 Year 35 Year 45

FV at 8 FV at 10 FV at 12

Age: 40 Years | Male | MultiCap Fund |PT: 45 Y| SA – 5 Cr | Premiums are without any discount

for Internal consumption and not for customer solicitation

 for Internal consumption and not for customer solicitation
Trend Among Indian HNI’s

Students Education
Traveling Abroad Premium Lifestyle
Abroad
NUMBER OF INDIAN REVENUE - LUXURY NUMBER OF
DEPARTURES (IN MIL) ITEMS ( US$ BIL) STUDENTS STUDYING
6.94 7.52 ABROAD (IN LACS)
25 21.1 6.09
20 13.24
14.92 11.33
15
7.70
10
4.94
5
0
2002 2012
India: departures of nationals 2022 | Statista | Indian Students Studying Abroad: Interesting Statistics (immigrationworld.com | Luxury Goods - India | Statista Market Forecast
2022 2018 2 0circulation
For internal 19 only 2022 2019 2021 2 0 2Page
2 21
How does the income with SWP work?

Withdrawal start Frequency Withdrawal basis

year growth rate

• Post PPT • Every Year • CAGR <= 12%

• Retirement age – • Every 3 Year Withdrawal =

55/60/65 (CAGR – 4%) x TPP ULIP

• CAGR > 12%

Withdrawal =
8% x TPP ULIP

This document is intended solely for the purpose of training and should not be used for solicitation. Any unauthorised distribution or reproduction of any part of this document is strictly prohibited and may result in legal consequences.

for Internal consumption and not for customer solicitation

Systematic Withdrawal Plan @ Growth 8% (4% * TPP)

Age 35

Total Premiums Paid – ~Rs. 1.2 Cr

Premium Payment of ~Rs. 10 Lacs p.a for 12 years

Age 46

Age 47

Future IV league student

Withdrawal = 3.7 Lacs every year to fund your goals

Total Withdrawals Made ~ Rs. 1.36 Cr

*@8 % Growth rate

Maturity Benefit ~ Rs. 9.32 Cr *

Age 85

35 years |50 PT | Flexi Growth Fund | 5 Cr SA | Withdrawal from Age 47

for Internal consumption and not for customer solicitation
SWP @ growth rate of 12% (8% * ULIP TPP)

Age 40

Total Premiums Paid – ~Rs. 1.3 Cr

Premium Payment of ~Rs. 22 Lacs p.a for 6 years

Age 45

Age 46

Withdrawal ~ 8.4 Lacs every year to fund your goals for 38 years
Hrithik wants to travel
Total Withdrawals Made ~ Rs. 3.2 Cr

*@12 % Growth rate

Age 85 Maturity Benefit ~ Rs. 29 Cr *

40 years |45 PT | PPT 6 years |Flexi Growth Fund | 5 Cr SA | Withdrawal from Age 46
for Internal consumption and not for customer solicitation
Capital preservation with death benefit (1/2)

Till age 55, total SWP received – 59L DB from SSR Pro: 3.8 Cr
DB from TTI rider: 1 Cr
But death benefit from SS Pro only Total DB ~ 4.8 Cr
reduced by 15L (i.e. 2 SWP) Give Get ~4x

Unfortunate Death @ 55

From age 47-54

Pay 9.92L for 12 years SWP @ 7.4L p.a.

Age 35 46 47 55

Sum Assured = 5 Crores (4 Cr – SSR Pro, 1 Cr – Term Booster)

PPT – 12 | PT – 50 | Emerging Opportunities Fund | Withdrawal = 8% ofFor

Total Premiums
internal paid in
circulation SSR Pro | Growth rate = 12%
only
for Internal consumption and not for customer solicitation
Understanding Cash Flows – Death @ 55
Policy Total
ULIP Prem SWP FV @ 12% Base SA TTI SA Total DB
year Prem
1 ~10L ~8L 4 Cr 1 Cr 5cr
2 ~10L ~8L 4 Cr 1 Cr 5cr
. .
. .
6 ~10L ~8L 4 Cr 1 Cr 5cr
. 4 Cr 1 Cr 5cr
12 ~10L ~8L 4 Cr 1 Cr 5cr
. 7.4L 3.92cr . 4.92cr
. 7.4L 3.85cr . 4.85cr
18 7.4L 3.85cr . 4.85cr
19 7.4L 3.85cr . 4.85cr
20 7.4L < 3.85cr 3.85cr 1 Cr 4.85cr

• Base SA reduces only by 2 SWP amounts; Remains same thereafter

• FV grows gradually; Initial years it may be less than Base SA

Age – 35 Y | Male | PPT – 12 Y | PT – 50 Y

For internal circulation only Page 26
Capital preservation with death benefit (2/2)

Till age 75, total SWP received – 1.7cr DB from SSR Pro: ~19 Cr
DB from TTI rider: 1 Cr
FV far greater than SA after deductibles Total DB ~ 20 Cr
Give Get ~19x

Unfortunate Death @ 75

Pay 9.92L for 12 years From age 47-74: SWP @ 7.4L p.a.

Age 35 46 47 55 65 75

Sum Assured = 5 Crores (4 Cr – SSR Pro, 1 Cr – Term Booster)

PPT – 12 | PT – 50 | Emerging Opportunities Fund | Withdrawal = 8% of Total Premiums paid in SSR Pro | Growth rate = 12%

for Internal consumption and not for customer solicitation

Financial outlook of HNIs’ across the world

for Internal consumption and not for customer solicitation

 To cater to this EXCLUSIVE set of HNIs, at

Ticket Size >= 5 Lakhs

ONE plan to fulfil your Equity and Protection needs

No need of Multiple Investment vehicle

for Internal consumption and not for customer solicitation
FG RR: Tax Efficient
Pension Plan
FGRR – SPS Facility

FGRR – A Tax efficient solution for HNI

• Early retirement planning starting age 30

years
• Retirement plan providing series of Income
• Digital discount of 15% on 1st Year
Premium

for Internal consumption and not for customer solicitation

FGRR – How Does Systematic Pension Structure (SPS) Work?

Income product structure Systematic Pension Structure (SPS)

Pay 10L for 5 years | Get income for 25 years Age 40, M | Def 0 | IT 25 | NROP Structure

Policy Year Premium Income Cash Flow Policy Year P1 P2 P3 P4 P5 ….... P25 Combined Cash Flow
0 -11,00,000 -11,00,000 0 -79,211 -77,266 -74,646 -71,813 -68,433 ….... -26,186 -11,00,000
1 -79,211 -77,266 -74,646 -71,813 -68,433 ….... -26,186 -11,00,000
1 -11,00,000 -11,00,000
2 -79,211 -77,266 -74,646 -71,813 -68,433 ….... -26,186 -11,00,000
2 -11,00,000 -11,00,000
3 -79,211 -77,266 -74,646 -71,813 -68,433 ….... -26,186 -11,00,000
3 -11,00,000 -11,00,000 4 -79,211 -77,266 -74,646 -71,813 -68,433 ….... -26,186 -11,00,000
4 -11,00,000 -11,00,000 5 ….... -
5 - 4,49,980
6 4,49,980 + …....
6 4,49,978 4,49,978
7 4,49,979 + ….... 4,49,979
7 4,49,978 4,49,978
8 4,49,978 4,49,978 8 4,49,979 + ….... 4,49,979
9 4,49,978 4,49,978 9 4,49,981 + ….... 4,49,981
10 4,49,978 4,49,978
10 4,49,981 + 4,49,981
11 4,49,978 4,49,978
11 + 4,49,983
12 4,49,978 4,49,978
12 + 4,49,975
13 4,49,978 4,49,978 4,49,976
13 +
14 4,49,978 4,49,978 14 + 4,49,983
15 4,49,978 4,49,978 15 + 4,49,980
16 4,49,978 4,49,978 16 + 4,49,978
17 4,49,978 4,49,978 17 + 4,49,984
18 4,49,978 4,49,978 18 + 4,49,981
19 4,49,978 4,49,978 19 + 4,49,983
20 4,49,978 4,49,978 20 + 4,49,983
21 + 4,49,976
21 4,49,978 4,49,978
22 + 4,49,977
22 4,49,978 4,49,978
: + 4,49,978
: 4,49,978 4,49,978 : ….... + 4,49,971
: 4,49,978 4,49,978
30 4,49,972 4,49,972
30 4,49,978 4,49,978
for Internal consumption and not for customer solicitation
FGRR – Tax efficient solution

Tax efficient solution for HNI Tax efficient customer benefit

Annual Customer
• Industry 1st tax efficient pension solution PPT Give /Get
Premium Benefit
• Retirement plan that provides series of guaranteed 5 11 L 1.12 Cr 2.05
income for upto 40 years
6 9L 1.18 Cr 2.18
• Flexibility to start retirement planning from age 30 7 7L 1.13 Cr 2.31
• Discounts for Digital, Females and Youth 8 6L 1.17 Cr 2.43

• Flexibility to invest higher premiums with shorter PPTs 12 3L 1.07 Cr 2.96

Age 40, M | Def 0 | Income Term 25 | NROP

Smart Systematic Vesting Benefit p.a.

Annual Premium
₹ 7 Lakhs Approx. ₹ 4.51L for 25 years ₹
₹ 49
L Vesting benefit 1.13
45 7 years 51 53 Income for 25 years 77
GIVE Crs
GET
for Internal consumption and not for customer solicitation
FG SUPREME: Ring
fence HNI business
FG Supreme (Deferred Income option) at highest IRRs

✓ 2% premium discount every year ✓ 100% Return of Premium at maturity

✓ Women get additional 2% discount in first year ✓ HNI proposition for premium 5L and above

TATA FG TATA FG
PPT Deferment Income Term PPT Deferment Income Term
Supreme Supreme
5 0 20 6.08% 12 0 20 6.56%
5 0 25 5.88% 12 0 25 6.99%
5 0 30 6.24% 12 0 30 7.18%
5 1 20 5.89% 12 1 20 6.61%
5 1 25 6.29% 12 1 25 7.03%
5 1 30 6.18% 12 1 30 7.21%

(Age 40, Premium 25 L, M)

for Internal consumption and not for customer solicitation

FG Supreme - competitiveness
Comp H
FG Comp H Comp IP Comp M Comp M
PPT Def IT
Supreme
Sanchay
HGWP GIFT Pro
Comp AB Comp B AWG
SWP SWAG ✓ Short pay available
Plus
5 0 20 6.08% - 5.55% - 4.84%
with very few
5 0 25 5.88% 5.77% 5.81% 5.27% 5.39% competitors
5 0 30 6.24% 5.81% Not Not 5.83% 5.15% Not 5.33%
5 1 20 5.89% - Available Available 5.55% - Available 4.85% ✓ Best in class IRRs in
5 1 25 6.29% 5.88% 5.88% 5.63% 5.41%
short pay
5 1 30 6.18% 5.91% 5.91% 5.65% 5.37%
(Age 40, Premium 25 L, M)

Comp H
FG Comp H Comp IP Comp M Comp M
PPT Def IT Sanchay Comp AB Comp B AWG
Supreme HGWP GIFT Pro SWP SWAG
Plus
12 0 20 6.56% - 6.19% 5.96% - - 6.40%
12 0 25 6.99% 6.63% 6.40% 6.24% 6.51% 6.90% 6.61%
✓ Best in class IRRs in
Not
12 0 30 7.18% 6.69% 6.46% - 6.58% 6.93% 6.68%
Available long pay
12 1 20 6.61% - 6.19% 5.97% - - 6.40%
12 1 25 7.03% 6.66% 6.40% 6.26% 6.21% 6.86% 6.61%
12 1 30 7.21% 6.73% 6.96% 6.46% - 6.21% 6.91% 6.68%
(Age 40, Premium 25 L, M)

for Internal consumption and not for customer solicitation

FG Supreme (Deferred Income option)
(comparison with alt. instruments)

Historical SBI 10 yr FD Rates

Limitations of commonly used instruments by retail investors:
9.00
• Short investment tenure eg: 5 yrs, 10 yrs

FD Rates (%)
8.00
• Risk of investment at future unknown rates
• Developing nation --> Lower interest rate scenario 7.00

• Taxability from lower investment amount 6.00

• No life cover 5.00

2009
2008

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
Years
Historical 30 year G Sec yields
9.00 Long term guarantees offered by a AAA rated brand!
8.50
PPT Def IT FG Supreme
8.00
Yields (%)

7.50 5 0 20 6.08%
7.00 5 0 25 5.88%
6.50 5 0 30 6.24%
6.00 12 0 20 6.56%
2014

2016
2008
2009
2010
2011
2012
2013

2015

2017
2018
2019
2020
2021
2022
2023
2024

12 0 25 6.99%
12 0 30 7.18%
Years
for Internal consumption and not for customer solicitation
PRO-FIT: Wealth
Creation with Health
Benefits
Propositions for HNI Clients – Pro-Fit

• Long term comprehensive health coverage

• Family coverage for 5 members to increase ATS

16th
• OPD coverage enabled for parents and parents in laws to Feb
cover out-patient medical expenses

• Enhanced benefits - HCB - 40K (80K for ICU), SCB: 20 Lacs,

CI: 4.5 Crores

Self + Fund Value @ Fund Value @

Self
Spouse 8% 12%
Family
Protection 5,49,459 7,99,491 ~3.12 Cr ~13.7 Cr
Proposition
HCB: 20K for 30 days, SCB: 20 Lacs, CI: 20 Lacs for each adult

CI Shield
6,69,368 8,71,361 ~4.3 Cr ~18.8 Cr
Proposition
HCB: 2.5K for 30 days, SCB: 1 Lac, CI: 1 Crore for each adult
The above premiums are without GST & discounts for 12 PPT, cover till 85 years of age. Self (M): 40 years, Spouse (F): 37 years | OPD Comprehensive for all family members including parent(s) & parent-in-law(s)

for Internal consumption and not for customer solicitation

SME OPPORTUNITY

There are more than 6.39 crores

recorded MSMEs in India as of FY 21
which second only to China

5 lakh crores worth of loans disbursed

to this segment growing by around
21% in FY 22

MSMEs contribute around 30% of the

GDP and employ more than 100
million people

The MSME sector accounts for 95% of

the industrial units and approximately
50% of exports

Budget allocation for MSMEs in FY23

increase by almost 50% to Rs. 21,422 crore
vis-à-vis Rs. 15,700 crore in FY22 which was
increased from Rs 7,500 crores

for Internal consumption and not for customer solicitation

Product Solution - Term Plan
Mr. Irani, age 51 wants to ensure his assets are equally divided between his sons (his elder son who is keen on taking
over the business and his younger son who pursues other goals); without affecting his business
Mr. Irani can purchase a life insurance policy under EE which provides the cash to boost his total portfolio while making it
simpler to distribute his assets equally and maintain his business!

Without a policy For elder Child With a policy

80
40
40
80
40

Other Assets For younger Child

Business

Mr. Irani’s company pays only 1.15% of the Sum Assured that is Rs. 46.39 Lacs (per year for 7 years, Total
Rs.3.25* crores) from company’s profits to create an asset of Rs. 40 Crore for his family and assuring a peace of
mind.

for Internal consumption and not for customer solicitation

Product Solution - Term Plan

< Sample Illustration for Mr. Employee >

Policy gets assigned to the Employee

On Death
Company saves tax on On Death Nominee receives a corpus of
Premium payment under Company receives a corpus of

Section 37(1) `40,00,00,000***

` 40 Crores
`62,00,000**
Annual Premium 70
51 57 85

20
1 7
* The Policy gets assigned to the employee on retirement.
Life cover of 40 Crore for 34 years ** Premium is inclusive of taxes.
*** DB to be considered as income for company u/s 28 of IT Act

▪ Product : MAHA RAKSHA SUPREME SELECT ▪ Premium paid by Company – INR 4.34 cr
▪ Age: 51years ▪ Tax saved by Company – 1.09 cr
▪ PPT: 7years ▪ Net Effective Premium- INR 3.25 cr.
▪ PT: cover till age 85years
*Underwriters discretion applicable
for Internal consumption and not for customer solicitation
Pension Open for Business Insurance

Ease of Sale – No Medical Required

Life long guaranteed Income

No TDS deduction on payouts

Premiums paid allowed as an expense

in business under section 37(1)

Only product in which age is not a

restriction

*Underwriters discretion applicable

for Internal consumption and not for customer solicitation
Pension Open for Business Insurance

At Inception
Tax Saved Tax paid by
under Section Total Tax Employee Effective
Annuity Individual
Year Premium Paid 37(1)* on Saved under from personal Outflow / Net Employer Investment :37.50L
Payable Policy
Premium paid section 37(1) account @ Inflow
@ 25% 31.2@ Premium Paid (10L x5): 50L – 12.50L (Tax Saved @
25
0 1000000 250000 250000 0 -750000 -1000000
1 1000000 250000 250000 0 -750000 -1000000
At 5th Year, Policy Assigned
2 1000000 250000 250000 0 -750000 -1000000
3 1000000 250000 250000 0 -750000 -1000000
4 1000000 250000 250000 0 -750000 -1000000 11th Year onwards, Post Deferment Period
5 Assignment post PPT 0 0 0
6 0 0 0
7 0 0 0 Net Annuity to employee : Rs. 3.44L
8 0 0 0 Annuity Payable 5L – 1.56L (Taxation)
9 0 0 0
10 500250 156078 344172 344172
11 500250 156078 344172 344172
12 500250 156078 344172 344172
13 500250 156078 344172 344172
14 500250 156078 344172 344172
45 500250 156078 344172 344172
46 500250 156078 344172 344172
Death Benefit 5000000 0 5000000 5000000
IRR 5.13% 2.92%

for Internal consumption and not for customer solicitation

Ease of Doing Business

1. Expert panel of Chartered Accountants

Empanelment of 10 CA firms PAN India

2. Complete digitalization of BI Documents

Digital login journey enabled

3. Dedicated UW Desk for BI Cases

Priority underwriting desk for Business Insurance cases

4. SME Portal (URJA)

A next-gen lead generation page for partner channels

5. Data Enrichment through CIN

Enrichment of Data of prospect clients for SME Sellers

for Internal consumption and not for customer solicitation

Thank You…