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Also, increasing urbanisation will enhance financial literacy among consumers, thereby supporting the growth of the life insurance industry.

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Persistency experience Our reported financial results are affected by our Persistency Ratio and surrender experience, which may vary from the assumptions that we make both when we design and price our products and when we calculate our insurance contract liabilities.

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We continue to actively identify additional bancassurance partners, and also intend to enter into strategic distribution arrangements with small finance banks, payment banks and various nonbanking financial service mpanies.

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Selling Shareholder hereby certifies that all statements made by the Selling Shareholder in this Draft Red Herring Prospectusabout or in relation to itself in connection with the Offer, and the Equity Shares offered by it in the Offer, aretrue and correct.

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He can be reached at deepesh.