Hi, thanks for the opportunity. I have two questions. First is what is the current view on small and mid-cap valuations?
Sure. No, I just wanted to understand from a sales po int of view, some time ago, like, you were not pushing small and mid -cap because of the concerns around valuation. But sure. Second one is, around the passive…?
Yeah, hi. Thanks for the opportunity. I had three questions. One was on the general insurance side. So just wanted to understand how are we seeing the competitive intensity playing out in motor and group health lines of business? Second is on the life insurance side. What is or how are we looking at the expected impact of the change in the commission structure that is expected to come in the next few months? And lastly, what is our strategy on the alternatives business? So, there was some news around Bajaj Alternatives wherein we're looking to raise about $1 billion? So, if we can talk about that, it would be helpful. Thanks.
Thanks, that was very helpful.
I had one question on the general insurance side. What does the pricing intensity look like on the fire and the other commercial lines of business ? And how is it expected to be going ahead? Just wanted to get a better understanding on that.
My first question was on Motor OD in the two-wheeler segment. Like you mentioned, we have been doing well over there and market share has been increasing. It's like 30% of order book. So can you talk about the levers that have led to this, like in terms of the product or pricing distribution or whatever else it may be?
I just had two more questions. One was regarding the group health segment. How is the pricing intensity over there right now? Has it improved? And second is like if the impact of the INR1,700 crores of deferred acquisition can be quantified to P&L for H2, that would be very helpful.
I just had two questions. One was on the side of investment philosophy that we have in the equity investments. So just wanted to understand how we think about equity investments as this has increased as a percentage of the overall investment book? And second is, I think in the last few quarters, we had mentioned that in the commercial lines of -- other commercial lines of business, we are experimenting in certain new lines. So just wanted to understand the strategy over there medium to long term. And if you can just comment on what is driving growth over there?
My question was around the offshore AUM. That has declined sequentially. Can you just maybe share the yield on that and also the reason for the decline?
I just have one more question around the debt fund. Can you just talk about what is driving the growth in the debt segment year -on-year and quarter -on-quarter, and seeing decent growth ? So, which are the segments over there? And longer term , also, what is our strategy around active versus passive funds?
Yes, thanks for the opportunity. I had two questions. One was on the pension management business. You mentioned that there are four schemes being launched. And there are also a bunch of regulatory changes being done by PFRDA. So can you just talk about what these schemes would look like? What would be the realization and the size of the opportunity? And the second question is on the VRS. Out of these 479, if you can just maybe touch upon the function-wise split of the employees. So across sales and the other functions, how is it going to be spread out?
Yes, thank you so much.
Hi. Thanks for the opportunity. I had two questions. One was regarding the growth in the passive segment. So, we are seeing good growth over there. So, if you could talk about the factors that have led to this, and two was around our strategy on launching new funds in the year. If you can touch upon that as well.
At your end.