Investment Philosophy

Our investment philosophy revolves around generating reliable and risk-adjusted returns for our policy holders. Managing risk is an essential element in our investment process. Our well-defined risk policies and processes cover both portfolio and process risk. Since our equity investments are predominantly made in large cap stocks (>85%), they are comparatively less volatile than mid cap and small cap stocks. Our disciplined approach lets us surpass the existing benchmarks by active fund management.

We maintain a reasonable level of liquidity, as per the liquidity norms prescribed in our investment policy manual, so that we can easily manage smooth redemption processes for switches, claims and so on. Currently, our debt portfolio is invested in the highest credit quality assets encompassing securities issued by AAA rated companies and Government of India securities.

Stewardship Policy