Swarnabha Mukherjee

Hi sir. Good afternoon and congrats on a good set of numbers. Firstly, on the margin side, Dhiren you mentioned that it is product mix. I just wanted to check that anything else to read into . And your thoughts on if this going forward, if we are seeing, say a higher growth on the traditional side on the savings side, could this normalise? If you can share your thoughts on that?

Yes. So, I mean sir, this particular quarter, we have seen a softer growth print on the savings side of product. So , I just wanted to check that once that, say going forward as that picks up, then should we also expect a normali sation in all these trends?

Understood, sir. Very helpful. Just one quick question, if I can squeeze in terms of the persistency trends. How should we read because there looks to be market is softening year-on-year. So, if you could highlight?

Hi, sir. Thank you for the opportunity and congrats on a good set of numbers. Three questions from my side, sir. First, wanted to understand what is the status in terms of price hikes, if you could give some color in terms of what products you are doing, so how much will be the proportion in terms of GWP and what is the quantum of price hike on an average that would be very helpful.

Right, sir. Just a follow -up on this. Given that the fresh growth, as you mentioned, is around 35%-37% and the volume growth is, I think, 8%-9%, which you had mentioned in your opening remarks. So, would it be fair to assume that going forward also , earlier we used to highlight about a 50% volume and 50% value -led growth, because now we take consistent price, I can maybe assume the industry phenomenon as well ,…

Understood, sir. And the retention ratio coming up, is this also related to the long-term sales? If you could, maybe give some color on that.