Life Insurance Corporation Of India CC-Nov25.pdf · 2025-11-06
Congrats on a good set of numbers. So a couple of questions. First is on the NOP. So if you can just explain like NOP, we have seen a very sharp drop, both on a totality and as well as in terms of bank and alternate channels. So what are our steps to improve the NOP going ahead? That was first. Secondly, EV has been broadly flat on a Y-o-Y basis, but within ANW and VF, there is a lot of discrepancy in terms of growth and one is degrowth. So if you can explain why there is such a sharp variation between both of them, that will be helpful. And lastly, in terms of margins, so we have seen a very sharp increase in margins for the first half and as well as Q2. So when we see the product mix, we've seen a very sharp increase in non-par, and that is led by ULIP. So is it fair to assume your ULIP margins are higher than the company level? So those are my 3 questions.
Thank you and all the best.