Final SurveyReport-7445707-06-21-2020-T222216

Response ID IP Address Timestamp (mm/dd/yyDuplicate Time Taken to Seq.
Number External Refer Custom VariabCustom Variab
70144675 1.38.140.22 06/19/2020 10:52 0 246 1
70145677 122.164.233.7 06/19/2020 11:26 0 737 1

70145867 122.164.233.7 06/19/2020 11:32 0 308 1
70146021 122.164.233.7 06/19/2020 11:37 0 270 1
70146535 106.200.142.151 06/19/2020 11:54 0 1754 1
70146586 122.164.233.7 06/19/2020 11:56 0 1110 1
70146919 122.180.18.97 06/19/2020 12:06 0 2983 1
70147325 106.200.142.151 06/19/2020 12:20 0 1331 1
70147367 122.178.209.249 06/19/2020 12:21 0 846 1
70147454 223.187.179.84 06/19/2020 12:24 0 2414 1
70147487 106.193.135.167 06/19/2020 12:25 0 340 1
70147950 122.178.209.249 06/19/2020 12:40 0 1134 1

70147970 157.32.140.116 06/19/2020 12:41 0 289 1
70148048 223.187.128.174 06/19/2020 12:44 0 1743 1
70148263 106.193.135.167 06/19/2020 12:51 0 336 1
70148271 157.32.140.116 06/19/2020 12:52 0 615 1
70148343 157.36.120.193 06/19/2020 12:54 0 1757 1
70148427 122.178.209.249 06/19/2020 12:56 0 940 1
70148527 45.127.200.166 06/19/2020 13:00 0 363 1
70148543 157.42.206.22 06/19/2020 13:00 0 1 1
70148691 157.42.206.22 06/19/2020 13:05 0 221 1
70148700 45.127.200.166 06/19/2020 13:05 0 305 1
70148752 106.200.142.151 06/19/2020 13:07 0 1790 1
70148761 157.32.140.116 06/19/2020 13:07 0 886 1
70148769 223.189.10.57 06/19/2020 13:07 0 2316 1
70148816 171.76.155.226 06/19/2020 13:09 0 4326 1
70148887 45.127.200.166 06/19/2020 13:12 0 403 1
70148891 157.32.140.116 06/19/2020 13:12 0 231 1

70148983 157.36.120.193 06/19/2020 13:16 0 1276 1
70149017 157.32.140.116 06/19/2020 13:17 0 189 1

70149037 45.127.200.166 06/19/2020 13:17 0 281 1
70149044 223.187.128.174 06/19/2020 13:18 0 1603 1
70149221 223.187.144.18 06/19/2020 13:25 0 604 1

70149254 223.187.130.17 06/19/2020 13:26 0 1 1
70149447 106.200.142.151 06/19/2020 13:33 0 1389 1
70149723 171.76.155.226 06/19/2020 13:41 0 329 1
70149816 223.187.144.18 06/19/2020 13:44 0 1081 1

70150627 27.60.201.115 06/19/2020 14:08 0 1004 1
70150923 157.36.120.193 06/19/2020 14:16 0 3492 1

70151250 115.96.99.226 06/19/2020 14:24 0 0 1
70151411 157.42.206.22 06/19/2020 14:28 0 4907 1
70152073 42.106.236.133 06/19/2020 14:46 0 1572 1
70152110 223.230.174.227 06/19/2020 14:47 0 1631 1
70152234 223.189.32.169 06/19/2020 14:50 0 550 1
70152299 115.96.99.226 06/19/2020 14:52 0 1610 1
70152502 122.164.233.7 06/19/2020 14:57 0 1 1
70152583 223.228.137.37 06/19/2020 15:00 0 1016 1
70152631 223.230.174.227 06/19/2020 15:01 0 628 1
70152647 115.96.99.226 06/19/2020 15:01 0 566 1
70153475 106.193.135.167 06/19/2020 15:24 0 419 1
70153514 27.6.164.187 06/19/2020 15:25 0 811 1
70153568 1.23.149.108 06/19/2020 15:26 0 403 1
70153569 223.230.174.227 06/19/2020 15:26 0 206 1

70154334 223.228.137.37 06/19/2020 15:47 0 1039 1
70155290 42.107.195.226 06/19/2020 16:08 0 720 1
70155340 27.6.164.187 06/19/2020 16:09 0 2602 1
70155569 42.109.134.137 06/19/2020 16:15 0 2904 1
70156253 27.6.164.187 06/19/2020 16:27 0 904 1
70157054 27.6.164.187 06/19/2020 16:40 0 741 1

70158236 27.6.164.187 06/19/2020 16:57 0 982 1
70158562 27.61.27.53 06/19/2020 17:01 0 1 1
70158812 42.107.198.244 06/19/2020 17:05 0 1631 1
70159098 157.50.197.138 06/19/2020 17:09 0 4134 1
70159604 45.117.3.232 06/19/2020 17:16 0 350 1
70160227 157.50.197.138 06/19/2020 17:26 0 918 1
70160306 106.197.228.185 06/19/2020 17:27 0 2778 1
70161606 49.33.136.68 06/19/2020 17:44 0 1017 1
70161900 112.79.214.138 06/19/2020 17:48 0 3246 1
70162407 223.187.173.188 06/19/2020 17:54 0 514 1
70163437 27.6.164.187 06/19/2020 18:06 0 3916 1
70164003 27.6.164.187 06/19/2020 18:13 0 159 1

70164315 27.6.164.187 06/19/2020 18:17 0 233 1
70164533 27.6.164.187 06/19/2020 18:20 0 182 1

70164784 27.6.164.187 06/19/2020 18:23 0 202 1
70164978 27.6.164.187 06/19/2020 18:26 0 145 1

70165200 27.6.164.187 06/19/2020 18:29 0 164 1
70165428 27.6.164.187 06/19/2020 18:31 0 150 1
70165726 27.6.164.187 06/19/2020 18:35 0 187 1
70165988 27.6.164.187 06/19/2020 18:38 0 156 1
70166216 27.6.164.187 06/19/2020 18:40 0 119 1

70167707 139.5.30.43 06/19/2020 18:55 0 1186 1
70168384 139.5.30.43 06/19/2020 19:01 0 342 1
70169915 139.5.30.43 06/19/2020 19:15 0 773 1
70192787 42.106.202.72 06/19/2020 23:07 0 1110 1
70193995 42.106.202.72 06/19/2020 23:21 0 705 1
70201153 117.97.241.191 06/20/2020 00:42 0 620 1
70291503 27.56.233.68 06/20/2020 10:16 0 696 1

70294933 106.208.173.39 06/20/2020 10:27 0 1 1
70297753 106.207.214.66 06/20/2020 10:38 0 930 1

70301692 42.106.194.84 06/20/2020 10:58 0 387 1
70303211 42.106.194.84 06/20/2020 11:07 0 1 1
70303456 106.209.209.144 06/20/2020 11:09 0 0 1

70303937 106.207.244.226 06/20/2020 11:15 0 1762 1
70304040 106.209.209.144 06/20/2020 11:16 0 337 1
70304463 171.79.85.129 06/20/2020 11:20 0 2 1

70305315 171.79.85.129 06/20/2020 11:27 0 362 1
70305320 106.209.209.144 06/20/2020 11:27 0 638 1

70305524 223.185.42.28 06/20/2020 11:28 0 672 1
70305997 171.79.85.129 06/20/2020 11:32 0 310 1
70306007 106.209.209.144 06/20/2020 11:32 0 327 1

70306346 223.185.42.28 06/20/2020 11:36 0 476 1
70306986 49.33.138.155 06/20/2020 11:44 0 340 1
70307342 49.33.138.155 06/20/2020 11:48 0 221 1
70307735 42.111.6.151 06/20/2020 11:53 0 1 1

70307849 27.56.202.50 06/20/2020 11:54 0 159 1
70308249 49.33.138.155 06/20/2020 11:57 0 179 1

70308354 42.106.203.211 06/20/2020 11:58 0 1821 1
70309227 49.36.20.116 06/20/2020 12:09 0 1 1
70309532 223.187.185.144 06/20/2020 12:12 0 2 1
70309658 103.219.229.149 06/20/2020 12:13 0 3687 1
70309707 27.56.240.122 06/20/2020 12:14 0 1138 1
70310178 122.177.67.1 06/20/2020 12:19 0 2463 1
70310213 42.106.203.211 06/20/2020 12:19 0 761 1
70310711 103.195.80.138 06/20/2020 12:25 0 1081 1
70310873 223.187.185.144 06/20/2020 12:27 0 833 1
70311081 42.106.203.211 06/20/2020 12:29 0 583 1
70311142 49.207.205.193 06/20/2020 12:30 0 2981 1
70311245 42.106.255.110 06/20/2020 12:31 0 1 1
70311548 106.208.227.148 06/20/2020 12:35 0 977 1
70312139 122.177.67.1 06/20/2020 12:43 0 1388 1
70312403 103.195.80.138 06/20/2020 12:47 0 897 1
70312527 122.177.67.1 06/20/2020 12:48 0 214 1
70313702 1.38.222.211 06/20/2020 13:00 0 234 1

70313746 1.23.150.48 06/20/2020 13:00 0 218 1
70313960 223.189.48.35 06/20/2020 13:02 0 5305 1
70314024 103.195.80.138 06/20/2020 13:03 0 904 1
70314427 1.38.222.211 06/20/2020 13:06 0 285 1
70314438 1.23.150.48 06/20/2020 13:06 0 315 1
70314629 42.106.215.220 06/20/2020 13:07 0 2510 1
70314944 1.23.150.48 06/20/2020 13:10 0 226 1
70314988 103.195.80.138 06/20/2020 13:10 0 422 1
70315417 1.38.222.211 06/20/2020 13:14 0 455 1
70315475 42.106.202.148 06/20/2020 13:14 0 1866 1
70315801 1.38.222.211 06/20/2020 13:17 0 184 1
70315884 103.195.80.138 06/20/2020 13:17 0 419 1
70316218 1.38.222.211 06/20/2020 13:20 0 144 1
70316636 103.195.80.138 06/20/2020 13:23 0 331 1

70316833 43.225.19.155 06/20/2020 13:25 0 2946 1
70316866 49.207.205.193 06/20/2020 13:25 0 2363 1
70316867 106.198.135.79 06/20/2020 13:25 0 350 1

70317149 1.38.222.211 06/20/2020 13:28 0 444 1
70317327 106.198.197.7 06/20/2020 13:29 0 231 1

70317632 106.193.151.150 06/20/2020 13:33 0 1504 1
70317637 106.198.135.79 06/20/2020 13:33 0 221 1

70317806 1.38.222.211 06/20/2020 13:35 0 452 1
70318093 116.75.141.150 06/20/2020 13:38 0 664 1
70318256 106.209.184.190 06/20/2020 13:40 0 1315 1
70319052 103.195.80.138 06/20/2020 13:47 0 603 1
70319169 42.111.12.35 06/20/2020 13:48 0 658 1
70319763 42.106.215.220 06/20/2020 13:53 0 2699 1
70320339 42.107.230.118 06/20/2020 13:57 0 484 1
70320462 49.207.205.193 06/20/2020 13:58 0 1522 1
70322146 223.187.198.75 06/20/2020 14:12 0 1918 1
70323331 42.111.12.35 06/20/2020 14:19 0 1834 1
70323450 157.36.149.73 06/20/2020 14:20 0 598 1
70323804 27.62.72.14 06/20/2020 14:22 0 1377 1
70323877 42.111.12.35 06/20/2020 14:23 0 177 1
70324191 49.32.19.99 06/20/2020 14:25 0 105 1
70324219 106.209.184.190 06/20/2020 14:25 0 903 1
70324338 223.189.48.35 06/20/2020 14:26 0 3493 1
70324552 49.32.19.99 06/20/2020 14:27 0 128 1

70324775 157.36.149.73 06/20/2020 14:29 0 475 1
70325094 49.32.19.99 06/20/2020 14:31 0 178 1

70325379 106.209.184.190 06/20/2020 14:33 0 450 1
70325426 49.207.205.193 06/20/2020 14:34 0 1564 1
70325480 106.205.141.219 06/20/2020 14:34 0 1978 1
70325581 223.184.182.17 06/20/2020 14:35 0 840 1
70325595 112.79.76.94 06/20/2020 14:35 0 1604 1
70326143 223.182.168.159 06/20/2020 14:39 0 499 1
70326164 106.193.135.127 06/20/2020 14:39 0 330 1
70326221 106.209.168.97 06/20/2020 14:39 0 628 1
70326275 157.36.149.73 06/20/2020 14:40 0 660 1
70326400 42.107.230.118 06/20/2020 14:41 0 811 1
70326649 106.210.175.85 06/20/2020 14:43 0 835 1
70327174 106.193.245.245 06/20/2020 14:47 0 1866 1
70327300 157.36.149.73 06/20/2020 14:47 0 440 1
70327630 112.79.53.13 06/20/2020 14:50 0 3763 1
70327863 171.48.78.147 06/20/2020 14:52 0 209 1
70327884 42.106.253.148 06/20/2020 14:52 0 1091 1
70328108 157.39.36.83 06/20/2020 14:54 0 1 1
70328248 106.210.175.85 06/20/2020 14:56 0 656 1
70328275 42.106.215.220 06/20/2020 14:56 0 3721 1
70328662 106.209.184.190 06/20/2020 14:59 0 909 1
70328664 106.193.245.245 06/20/2020 14:59 0 436 1
70328785 49.36.2.165 06/20/2020 15:00 0 903 1
70328823 106.209.168.97 06/20/2020 15:01 0 1195 1
70329312 27.56.235.171 06/20/2020 15:05 0 1545 1
70329632 169.149.233.74 06/20/2020 15:07 0 441 1
70329662 42.106.253.148 06/20/2020 15:07 0 881 1
70330070 42.107.230.118 06/20/2020 15:11 0 368 1
70330075 171.48.78.147 06/20/2020 15:11 0 218 1
70330720 42.106.210.203 06/20/2020 15:16 0 507 1
70330824 106.209.168.97 06/20/2020 15:17 0 409 1
70330941 106.205.141.219 06/20/2020 15:18 0 178 1
70331044 106.208.65.53 06/20/2020 15:19 0 3243 1
70331066 223.184.182.17 06/20/2020 15:19 0 527 1
70331470 27.56.235.171 06/20/2020 15:22 0 1036 1
70331581 106.209.168.97 06/20/2020 15:23 0 339 1
70331652 106.205.141.219 06/20/2020 15:24 0 78 1

70331690 42.106.253.148 06/20/2020 15:24 0 474 1
70331811 106.210.158.48 06/20/2020 15:25 0 1702 1
70331843 223.184.182.17 06/20/2020 15:25 0 329 1
70331998 157.46.14.125 06/20/2020 15:27 0 1065 1
70332206 223.189.15.30 06/20/2020 15:28 0 744 1
70332242 106.205.141.219 06/20/2020 15:29 0 273 1
70332374 106.210.158.48 06/20/2020 15:30 0 231 1

70332395 27.56.254.228 06/20/2020 15:30 0 2568 1
70332438 42.107.230.118 06/20/2020 15:30 0 284 1
70332579 42.106.253.148 06/20/2020 15:31 0 312 1
70332610 106.210.190.249 06/20/2020 15:31 0 3129 1
70332989 106.193.245.245 06/20/2020 15:35 0 1201 1
70333130 27.56.235.171 06/20/2020 15:36 0 781 1
70333212 106.210.158.48 06/20/2020 15:37 0 296 1
70333544 27.56.235.171 06/20/2020 15:40 0 212 1
70333630 106.210.158.48 06/20/2020 15:41 0 222 1

70333807 223.189.15.30 06/20/2020 15:42 0 823 1
70333841 27.56.235.171 06/20/2020 15:43 0 134 1
70334004 42.106.253.148 06/20/2020 15:44 0 649 1
70334390 182.59.77.55 06/20/2020 15:47 0 1 1
70334453 160.20.0.146 06/20/2020 15:47 0 1209 1
70334548 223.184.182.17 06/20/2020 15:48 0 1323 1
70334603 106.210.158.48 06/20/2020 15:48 0 416 1
70334972 223.189.15.30 06/20/2020 15:51 0 470 1
70335164 42.107.194.82 06/20/2020 15:52 0 254 1

70335793 27.56.254.228 06/20/2020 15:57 0 1510 1
70335838 42.107.194.82 06/20/2020 15:58 0 321 1

70336115 106.210.158.48 06/20/2020 16:00 0 721 1
70336168 223.184.182.17 06/20/2020 16:01 0 664 1
70336203 42.107.194.82 06/20/2020 16:01 0 188 1

70336794 157.50.85.89 06/20/2020 16:07 0 2433 1
70337134 223.184.182.17 06/20/2020 16:10 0 491 1
70337473 223.189.15.30 06/20/2020 16:13 0 1248 1
70338625 157.50.85.89 06/20/2020 16:24 0 902 1
70338966 223.184.182.17 06/20/2020 16:26 0 928 1
70339531 223.189.15.30 06/20/2020 16:32 0 1050 1
70340759 106.210.190.249 06/20/2020 16:45 0 1531 1
70341224 27.61.43.104 06/20/2020 16:50 0 1724 1
70343670 106.210.190.249 06/20/2020 17:07 0 797 1
70344391 106.200.46.32 06/20/2020 17:11 0 1000 1

70349232 106.215.39.192 06/20/2020 17:39 0 650 1
70359382 42.106.203.52 06/20/2020 18:29 0 349 1
70364917 103.106.138.112 06/20/2020 18:52 0 692 1
70367678 103.106.138.112 06/20/2020 19:05 0 679 1

70369825 103.106.138.112 06/20/2020 19:14 0 524 1
70371522 103.106.138.112 06/20/2020 19:21 0 356 1
70377129 223.189.13.69 06/20/2020 19:44 0 2852 1
70381233 223.189.13.69 06/20/2020 20:00 0 931 1
70387692 223.189.13.69 06/20/2020 20:26 0 610 1
Custom VariabCustom VariabCustom VariabRespondent Em
Email List Country Code Region Team Name Team Leader Team Leader
IN 16 Thinkers Abc 1234
SM
Chennai VALLINAYAGA
IN 25 Super kings M 23174846
SM
Chennai VALLINAYAGA
sM
Chennai VALLINAYAGA
Yeddla Arvind
IN 02 SAGA Kumar Yadav 23145501
SM
Chennai VALLINAYAGA
Chandra
Bhushan
IN 10 BBMT Sinha 23234946
TEAM Yeddla Arvind
IN 02 SURAKSHA Kumar yadav 23145501
Bangalore Neeru
IN 19 warriors Vashishth 23183969
HAJIPUR ALOK KUMAR
IN 34 CHAMPS SHARMA 23073622
COVID19 SATISH
IN 16 WARRIOR BALESGOL 24009159
Bangalore Neeru
ABHISHEK
IN 09 Gujarat Leos TIWARI 24009315
TEAM MIBL CHANDAN
IN 34 BHAGALPUR SINGH 23100536
COVID19 Satish
IN 16 WARRIOR Balesgol 24009159
ABHISHEK
Ludhiana Tarun
IN 10 Region Vadhera 24009009
Bangalore Neeru
IN 16 SOS Amit Gade 23139843
NORTH-EAST DIGANTA
IN 03 CHURNER KUMAR DAS 23090741
NORTH-EAST DIGANTA
TEAM KEY Yeddla Arvind
IN 02 MOVERS Kumar Yadav 23145501
ABHISHEK
IN 16 Team Sunrise SACHIN PATIL 24009043
Team
IN 36 Millennial SANDEEP GILL 23227614
ABHISHEK
Ludhiana Tarun
ABHISHEK
TEAM MIBL CHANDAN
IN 34 BHAGALPUR SINGH 23100536
THE SANJEEV
IN 34 DOMINATOR KUMAR 23134213
IN 34 PARASH VIJAY KUMAR 24009167
TEAM Yeddla Arvind
IN 02 SUDHAAR Kumar Yadav 23145501
Team
IN 36 Millennial SANDEEP GILL 23227614
THE SANJEEV
THE SANJEEV
Ludhiana Tarun
Team Mr. Vibu
IN 16 Innovators Dwivedi 27004631
NORTH-EAST DIGANTA
IN 16 ATANU DEY ATANU DEY 24009250
RANJAN
IN 34 TEAM QUEST KUMAR 24009293
IN 16 Energizer Rajguru Patil 23176423
Team
IN 16 Innovators Vibu Dwivedi 27004631
SM
VALLINAYAGA
IN 25 UDAY M 23174846
Team East-
IN 25 Kerala Sandeep 24009073
RANJAN
Team
IN 16 Innovators Vibu Dwivedi 27004631
TURBOCHAR Satish
IN 16 GER Balesgol 24009159
IN 02 CS-Hyd DS Acharyulu 23176418
Team: Shout Mr. Pravin
IN 16 Out Bhasate 23148391
RANJAN
TEAM
IN 25 SAVIOURS Sandeep 24009073
IN 13 EVEREST BALAJI V 24009023
IN 25 Tamil rockers R Raj Kumar 24009049

IN 13 Team 1 Prajeesh P 24009028
MOON AND
IN 13 STARS BALAJI V 24009023
IN 25 Emerald Raj Jose 23106947
Idea Thon Pravin
IN 16 Automats Junnare 23147546
IN 25 Emerald Raj Jose 23106947
IN 19 Influencers Sanjay Inchal 23163059
MAS Game
IN 16 changers Sanjay Dhuri 24009123
ABHAY
AATMNIRBHA PRATAP
IN 36 R SINGH 24009254
Team -
IN 34 MUDRA Ajnabi Prasad 23071767




CONCEPT
IN 16 CREATORS ANUP NAYAK 23218770
CONCEPT
CONCEPT
SUMAN
BHATTACHAR
IN 16 SUPER SIX JEE 23066907
SUMAN
BHATTACHAR
IN 16 SUPER SIX JEE 23066907
Team MDRF-
Mahindra
Disaster
Response NILESH
IN 07 Force VERMA 23197178
let's creat pawan

IN 35 innovation sharma 24009086
MIBL
COMPANY Manmohan
IN 35 COST SAVING band v 24009087
let's creat PAWAN

IN 35 innovation SHARMA 24009086
IN 16 MLS Yoddha Nilesh Ambe 24009042
IN 16 MLS Rangers Nilesh Ambe 24009042
Valley
IN 16 Warriors Nisha Vyas 24009147
Let's Creat Pawan
IN 35 Innovation Sharma 24009086
Valley
PRAGATI ANITA
IN 28 THINKERS SHARMA 24009231
PRAGATI ANITA
Valley
IN 16 warriors Nisha Vyas 24009147
Team
IN 05 Incredibles Amit Arora 24009079
PRAGATI ANITA
Valley
Team
IN 05 Incredibles Amit Arora 24009079
MAS Game
MAS Game
Roshan
IN 07 Ideamasterz verma 24009327
let's creat PAWAN
MAS Game
BIPLAB
IN 16 Challengers GHOSH 24009194
Strategic
Alliances : Sumit
IN 35 Team1 Banerjee 24009258
Anish Kumar
IN 34 Mind Benders Singh 23146266
FIXER-The
IN 36 Goal Digger Sanjeev Sinha 23151172
let's create PAWAN
Navdeep
IN 36 Mind-Benders Pradhan 23213231
BIPLAB
NEHA
BALAKRISHNA
IN 16 We Care N 23149744
Anish Kumar
IN 34 Mind Benders Singh 23146266
BIPLAB
The Fantastic
IN 02 Four P Garima 27004101
Yogesh
IN 16 Innovators Jadhav 27002242
KALINGA SANDEEP
IN 21 YEVDHEYA NAYAK 27001010
Navdeep
NEHA
BALAKRISHNA
IN 16 We CARE N 23149744
Navdeep
Silent Game Sanjiv

IN Changers Chandnani 23074268
IN 16 Pune Lions Veerain Kaul 27003777
IN 16 Sambandh Parijat Pushp 23224482
NEHA
BALAKRISHNA
IN 16 We CARE N 23149744
Silent Game Sanjiv
IN 16 Warriors Rakesh kumar 23139027
NEHA
BALAKRISHNA
IN 16 We CARE N 23149744
Silent Game Sanjiv
UNNATI
IN 16 THINKER BIPLAB DAS 23070934
Silent Game Sanjiv
NEHA
BALAKRISHNA
IN 16 We CARE N 23149744
Silent Game Sanjiv
NEHA
BALAKRISHNA
IN 16 We CARE N 23149744
Team Prathamesh
IN 16 ReSustain Nalawade 27001741
The Fantastic
IN 07 Rubicon Jasmine Kaur 23135246

Silent Game Sanjiv

Prathamesh
IN 16 ReSustain Nalawde 27001741

Silent Game Sanjiv
Team Prathamesh
IN 16 ReSustain Nalawde 27001741
CHANDIGARH SARVESH
IN 16 REGION THAKUR 24009093
NEHA
BALAKRISHNA
IN 16 We CARE N 23149744
NILESH
IN 07 PARIVARTAN VERMA 23197178
Rakesh
IN 16 Warriors Kumar 23139027
RAJASTHAN MUKESH
IN 24 SPARTANS SHARMA 24009037
The Fantastic
LIONS OF SATISH
IN 34 PATNA KUMAR 23116481
NILESH
IN 07 Innovators VERMA 23197178
MANOJ
IN 10 JK TIGER SHARMA 24009099
Chennai - Bharanikumar
IN 25 MIBL S 24009314
NILESH
IN 07 Innovators VERMA 23197178
Silent Game Sanjiv
IN 16 Changers Chandnani 23074268
CHANDIGARH SARVESH
IN 16 Sambandh Parijat Pushp 23224482
Silent Game Sanjiv

MANOJ
Silent Game Sanjiv

CHANDIGARH SARVESH
The Fantastic
IN 23 Team India Ramneek Jain 24009166
IN 16 Super Six Sunil Mayekar 24009067
Thane CCC NIKHIL
IN 16 Champions NAMBIAR 23166580
MR. JOJI
IN 16 Expert Care JACOB 24009152
Satish
IN 16 SAKSHAM Balesgol 24009159
IN 16 IT Warriors Zeenat Badi 27006616
MANOJ
RAJASTHAN MUKESH
Mrs. Archana
IN 16 Pune Team 1 Zalake 23241329
NASIK RAVINDRA
IN 16 WARRIORS SARODE 24009137
MANOJ
HUBLI SHANKAR
IN 19 LEGENDS SHIGLI 24009111
Ingenious MEDINI
IN 16 Squad MAJUMDAR 24010519
Chandigarh Sarvesh
IN 23 Region Thakur 24009093
MIBL PUNE Mrs. Namrata
IN 16 TEAM 2 Gore 23236030
IN 16 Warriors Rakesh kumar 23139027
CHANDIGARH SARVESH
NASIK RAVINDRA
Varada
IN 16 Sajhedaari + kulkarni 27003186
Dakshina RAJESH
IN 35 Kosala Samuh KUMAR DASH 24009045
CHANDIGARH SARVESH
Ingenious MEDINI
RAJASTHAN MUKESH
Ingenious MEDINI
IN 25 Trend setters Simi Joseph 23159403
IN 16 Super Six Sunil Mayekar 24009067
Dakshina RAJESH

Ingenious MEDINI
Unbeatable Mahesh
IN 16 Marathas Naikar 24009000
SUNIL
IN 16 Super Six MAYEKAR 24009067
Covai
IN 25 Brothers A PRABHU 24009040
PRIYA
IN 16 INCREDIBLES BAWLEKAR 24009114
Unbeatable Mahesh
MI-IPC
(MAHINDRA
INSURANCE-
IDEA
CREATION
PLATEFORM) SANTOSH
IN 35 GUNDIYA 24009321
RAJASTHAN MUKESH
Ingenious MEDINI
MARATHWAD
IN 16 A WARRIOR ANIL NAGE 24009071
NASIK RAVINDRA
Dakshina RAJESH
Unbeatable Mahesh
Dakshina RAJESH
Unbeatable Mahesh
PRIYA
Dakshina RAJESH
Ingenious MEDINI
Grahak
IN 16 Nishtha Sachin Nair 23230969
'Team Keshav
IN 16 Kavach' Giranje 24009030
FANTASTIC SUNIL S.
IN 16 FOUR MAYEKAR 24009067
Unbeatable Mahesh
PRIYA
MOON &
MI-IPC
(MAHINDRA
INSURANCE-
IDEA
CREATION
PLATEFORM) SANTOSH
IN 35 GUNDIYA 24009321
MOON &
Unbeatable Mahesh
FANTASTIC SUNIL S.
MOON &
KADHAR
IN 25 Temple City SADIQ S 23077482
FANTASTIC SUNIL S.
PRIYA
KADHAR
IN 25 TEMPLE CITY SADIQ S 23077482
FANTASTIC SUNIL S.
PRIYA
MARATHWAD
IN 16 A WARRIOR ANIL NAGE 24009071
TELANGANA
IN 13 PARAGONs PRAMITH.R.K 24009100
MARATHWAD
A WARRIOR-
IN 16 NEW ANIL NAGE 24009071
IN 13 Team 2 Prajeesh P 24009028

ARVIND
IN 07 SANGHARSH KUMAR 24009020
PABITRA
IN 16 Impression BOSE 23091897
The VAIDYA
IN 16 challengers PALLAVI 24009179
The VAIDYA
The VAIDYA
The VAIDYA
UMESH V
ANABHAWAN
IN 16 SEA HAWK E 24009154
UMESH V
ANABHAWAN
UMESH V
ANABHAWAN
Team MemberTeam MemberTeam MemberTeam MemberTeam MemberTeam MemberTeam MemberTeam MemberTeam MemberTeam Member
Pqr 234 Xyz 345 Lmn 768 Ghh 567 Rdgg 278
S Hemanth Kuttalam
N Venkatesh 23073627 Ponnusamy 23194025 Kumar 23196009 N Rajesh 23198768 Pillai 27003485
S Hemanth Kuttalam
S Hemanth Kuttalam
GOWTHAMK VAIBHAV
UMAR ANDEWADIKA KUTTALAM
NAGARAJAN 23208626 R 27004521 PILLAI 27003485
S Hemanth Kuttalam
Mohan
Digambar Mohammad Chandra
Hitesh Thakur 23218838 Pratap Singh 27000479 Salman 23189060 Chhimwal 23127320
VAIBHAV GOWTHAMK
KUTTALAM ANDEWADIKA UMAR
PILLAI 27003485 R 27004521 NAGARAJAN 23208626
Aneeta
Rajesh R 23161592 Kumar V 23201023 George 23222297
SIDDHARTHA
JHA 23245221 MANI JHA 23231033 AMIT SINGH 23221346
Abhishek Shailesh
Rajguru Patil 23176423 Gawde 24007274 Bhatade 23236429
Aneeta
VRAJESH MAHESH JIGNESH UMANG PRADIP
KANSARA 24009266 PATEL 24009113 BHATT 24009054 RAVAL 23149253 PARMAR 23187202
SANDIP ABHISHEK AATISH
GYAN HARSH 23082342 SHUBHAM 23177152 SINHA 23239337 KUMAR 23224373
Abhishek Shailesh
Rajguru Patil 23176423 Gawde 24007274 Bhatade 23236429
Ashish Pradeep Raman Rakesh
Anil Kumar 23115976 Wadhwa 23141472 Kumar 23077682 Kataria 23234154 Kumar 23177818
Aneeta
SANJAY ASHWINI
CHANDRAKA ANAND RICHA VIVEK ABHISHEK
NILESH AMBE 24009042 NT DHURI 24009123 TIRODKAR 23093833 TRIVEDI 23108201 MOHAN RAO 23081052
RUPAK TAPASHYA PROBIN RAJ SEKHAR
BORAH 23080323 SUMAN ROY 23095167 BARUA 23200050 SAIKIA 23200811 DEKA 23181061
SANJAY ASHWINI
VAIBHAV GOWTHAMK
ANDEWADIKA UMAR KUTTALAM
R 27004521 NAGARAJAN 23208626 PILLAI 27003485
KEDAR SHAILESH
VARSHA MURDESHWA KARANGUTKA ANDRE
NARAYANAN 23170032 R 23097701 R 23238093 PEREIRA 23161786
SANGRAM
GAMBHIR 27004423 KUNAL RAJ 23221466 AMIT SINGH 23204377
SANJAY ASHWINI


SANJAY ASHWINI
Nilesh Ambe 24009042 NT DHURI 24009123 TIRODKAR 23093833 TRIVEDI 23108201 MOHAN RAO 23081052
SANDIP ABHISHEK AATISH
GYAN HARSH 23082342 SHUBHAM 23177152 SINHA 23239337 KUMAR 23224373
ANAND PRAVEEN
MOHAN 23220512 MISHRA 23177880 AMIR SHAKIL 23239019 ROHIT SINGH 27004293
SANJAY SANDEEP BHAWANI NISHANT SUBODH
KUMAR 23234863 SINHA 23069235 BANERJEE 23134955 BHARDAWAJ 27004772 KUMAR RAI 23213133
VAIBHAV GOWTHAMK
ANDEWADIKA UMAR KUTTALAM
R 27004521 NAGARAJAN 23208626 PILLAI 27003485
SANGRAM
GAMBHIR 27004423 KUNAL RAJ 23221466 AMIT SINGH 23204377
ANAND PRAVEEN
MOHAN 23220512 MISHRA 23177880 AMIR SHAKIL 23239019 ROHIT SINGH
ANAND PRAVEEN
MOHAN 23220512 MISHRA 23177880 AMIR SHAKIL 23239019 ROHIT SINGH 27004293

Madhura Anant Siddhesh Shaila
Mane 24009019 Mungekar 24009181 Zodge 24007275 Sonawane 24008462
SASANKA MUKUL SONU NANTU
SAHA 23116335 KASHYAP 23071139 PANDEY 27001806 KUNDU 23134390 PRIYA LAMA 23234829
BRAJESH SUNNY
KUMAR 23139258 KUMAR 23083033 AMIT KUMAR 23123313 AMIT OJHA 23231032 N/A N/A
Satish Vallinayagam
Balesgol 24009159 Nilesh Verma 23197178 M 23174846 Pabitra Bose 23091897
SATISH RAJGURU PABITRA
BALESGOL 24009159 NILESH 23197178 PATIL 23176423 BOSE 23091897
Visnu Aneesh
Rijesh N 24009103 Vikas 23151372 Suraj 23146183 Narayanan 23161260 Achuthan 23151372
BRAJESH SUNNY
Pranavsing Pravin Amol Mangesh
Rajguru Patil 23176423 Vaghela 24009149 Junnare 23147546 Anbhavane 23081050 Shirke 24009098
Madhu Kranthi Bandi
G Manjari 27004709 Sai Meghnath 23196111 Gudala 23221652 Calpakam 23246044 Srikanth 23223547
SACHIN SANGRAM RAJGURU
ALOK PANDEY 23140742 DUBEY 23154078 SANDEEP GILL 23227614 GAMBHIR 27004423 PATIL 23176423
BRAJESH SUNNY
ATHUL
RINOOB KP 23106716 SIJU DEVASIA 23109918 SURESH 23231268 NYJU K 27001818 RIYAS E 27006311
BIJU KUMAR AJITH KUMAR SANAL
AJITH N C 23070439 BINU D 27001091 B 23132474 R 23150576 KUMAR C S 23180968
Madhu Kranthi Bandi
G Manjari 27004709 Sai Meghnath 23196111 Gudala 23221652 Calpakam 23246044 Sreekanth 23223547
M
Manoharan 23126057 T Boopathi 23126048 C Sivan 23199051 P Srinivasan 27003110 R Raja 27000371
Vijith M 24009261 Aswajith N 23074084 Vijosh T 23127483 Sajeesh 23127483 Sahin M 23238185
HARIHARA
SUBRAMANIA PURUSHOTHA AJAL KRISHNADAS
ML 24009210 ANVER E H 23119054 MAN M 23228143 PAULOSE 27001035 B 27002847
Gowthamku
mar 23208626 Akhil P K 23192222 Hari S 23233221 Hazeena 23238682
Pramod Alphonso
Chavan 24009029 Swati Patil 24009085 Ajit Uttekar 23227003 Joanita 24009084
Gowthamku
mar 23208626 Akhil P K 23192222 Hari S 23233221 Hazeena 23238682
Savitha C 27000064 Rohini M 23153953 Girish G 23156523
Yogesh Snehal
Nilesh Ambe 24009042 Amit Gade 23139843 Utekar 23108732 Prajapati 23137684 Atul Kanojia 27004348
ASHISH VIVEK YASHRAJ SUJEET
PANDEY 24009269 MISHRA 24009271 VERMA 24009289 ASHISH PURI 24009080 SRIVASTAVA 24009176
SUMAN
ANKUR KUMAR ALOK KUMAR UDAY CHAND
UDAY SINGH 23180501 BANERJEE 23080642 MISHRA 27004653 CHOUDHARY 23161222 DAS 23197070
SANJAY DEVRAJ SUMEET
SWAMI 23175004 MUSALE 23148905 SHINDE 23177813
SUMAN
BHATTACHAR SYLVIA PRANAB PANTU
JEE 23066907 MAZUMDER 23065873 KHATUA 23120484 SK ANSAR 23139727 SARKAR 23164373
SUMAN
BHATTACHAR SYLVIA PRANAB PANTU
JEE 23066907 MAZUMDER 23065873 KHATUA 23120484 SK ANSAR 23139727 SARKAR 23164373
SATISH VALLINAYAGA RAJGURU MANMOHAN
BALESGOL 24009159 M 23174846 PATIL 23176423 SINGH 27000474 AMIT SINGH 23204377
nirbhay dheerendra narendra

pandey 24009081 soni 23236490 swati ojha 23083041 chourasiya 23221101
Shailendra
Patel 23180528
DHEERANDRA NIRBHAY SWATI NARENDRA

SONI 23236490 PANDEY 24009128 SHARMA 23083041 CHOURASIYA 23221101
Snehal Swaraj
Amit Gade 23139843 Prajapati 23137684 Merwade 23220227 Sagar Chitale 27001474 Atin Rajput 27003782
Yogesh Snehal Swaraj
Amit Gade 23139843 Sanjay Dhuri 24009123 Utekar 23108732 Prajapati 23137684 Merwade 23220227
Deepak garg 23076708 Joginder pal 23070941 Ranjeet Singh 23239154 Pawan Kumar 23176109 Ajay Kumar 23125421
Nirbhay Dheerendra Narendra
Pandey 24009128 Soni 23236490 Choursiya 23221101 Swati Ojha 23083041 Rahul Lakhera 23147715
Deepak Garg Deepak Garg Joginder pal 23070941 Ranjeet Singh 23239154 Pawan Kumar 23176109 Ajay Kumar 23125421
SUBHA DE AVISHEK SUBHASH NAINIK BISWAJIT

BISWAS 24009250 BISWAS 23149798 DAS 23173853 RUDRA 27005796 MAJUMDER 23198726
Deepak Garg 23076708 Joginder pal 23070941 Ranjeet Singh 23239154 Pawan Kumar 23176109 Ajay Kumar 23125421
Devender Muhammad Arvinder
Bhardwaj 27003321 Aarif 27005925 Amandeep 27004575 Jagjit Singh 23236428 Singh 27004181
Deepak Garg 23076708 Joginder pal 23070941 Ranjeet Singh 23239154 Pawan Kumar 23176109 Ajay Kumar 23125421
Devender Muhammad Arvinder
Bhardwaj 27003321 Aarif 27005925 Amandeep 27004575 Jagjit Singh 23236428 Singh 27004181
Yogesh Snehal
Yogesh Snehal
Naveen
dahiya 23188248 Satish 23242433 Ravi 27008077
SWATI
SHARMA 23083041
Yogesh Snehal
MANTOSH KISHALAYA SOUMITRA
LAB KIRTANIA 24009237 KARMAKAR 27006528 FALGUNI DAS 23162609 DAS 27003883 PHANI 23238647
Sandeep Saurabh Prasad Kishore
Nayak 27001010 Gupta 23218759 Abhnawe 23232996 Amit Nain 27007866 Bhaskar 23218775
ANUBHA
BHARDWAJ PRADEEP SIDDHARTH
Amrit Sen 23135245 MUDGAL 27004442 SHARMA 23209955 GOEL 23245565
Rameshwar
Ashish Ganjoo 23205162 sharma 23242487 Pratik Jaiswal 23179956 Apoorva Tyagi 23246048
SWATI NIRBHAY DHEERENDRA NARENDRA
SHARMA 23083041 24009128 PANDEY 23236490 SONI 23221101 CHAURASIYA
Manish
Manish Goel 23066906 Mangal 23243041 Dr. Dipa rani 23173840 Sunny Kumar 23231165
RAJESH
SURESH YOGESH SHEETAL NITIN
YADAV 23079937 SHUKLA 23235505 BANDI 23067063 GOVALKAR 23102006
ANUBHA
BHARDWAJ PRADEEP SIDDHARTH
Amrit Sen 23135245 MUDGAL 27004442 SHARMA 23209955 GOEL 23245565
GURU PATRICIA
PRASAD D.B. 23069882 JOSEPH 27007877 RAVITEJA K 23244954
BHAVIN
ABHINAV BHASKAR NIKHIL PARASHRAM
SINHA 23220228 SANGHAVI 23102375 MHATRE 23178705 ARDALKAR 24006449
PRADEEP
DEBADATTA RAMKRISHNA GIRIJA KUMAR PRABASH
MUDULI 24009183 ROUT 24009249 MISHRA 27004094 PANDA 23132921 DASH 27000863
Manish
Manish Goel 23066906 Mangal 23243041 Dr. Dipa Rani 23173840 Sunny Kumar 23231165
RAJESH
Manish
Manish Goel 23066906 Mangal 23243041 Dr. Dipa Rani 23173840 Sunny Kumar 23231165
Rahul Shashank
Atul Anand 23216066 Velinker 23162623 Sumeet Kotak 23244710 Ramgiri 27001989
Pravin VISHAL SUJIT MAHESH SAMBHAJIRA
Bhasate 23148391 KSHIRSAGAR 23089776 JAGADALE 23183080 JADHAV 23186204 O JAMDADE 23116440
SUMITRA ZENOBIA VARADA
Sucheta KRISHNAMUR ZULFIKAR DINKAR
Menon 23233196 THY 23141713 VASI 23102851 KULKARNI 27003186
RAJESH
Rahul Shashank
Pranab Manab
Upadhyaya 23202056 Rajib Das 23177041 Kunal Raj 23221466 Ratul Deka 23185246 Baishya 27004569
RAJESH
Rahul Shashank
SUBHASISH GOPAL RAJU KUMAR KUSH
ROY 27004093 MAZUMDAR 27005434 SYED ALI 27004531 DASS 23181585 KIRTANIA 23134154
Rahul Shashank
RAJESH
Rahul Shashank
RAJESH
Yegnanarayan Chinmay
Nitin Firke 27008079 Thyagarajan 23077787 Alpin Dani 23148387 Joydeep Das 27004825 Brahme 23197183
GURU PATRICIA
PRASAD D.B. 23069882 JOSEPH 27007877
Anurag DEEPTI Harish

Ajitesh Bhalla 23245013 Pahwa 27008070 SHARMA 27000267 Chandra 27008076
Rahul Shashank

Yegnanarayan
an Chinmay
Nitin Firke 27008079 Thyagarajan 23077787 Alpin Dani 23148387 Joydeep Das 27004825 Brahme 23197183

Rahul Shashank
Thyagrajan Chinmay
Nitin Firke 27008079 Yegnanarayan 23077787 Joydeep Das 27004825 Alpin Dani 23148387 Brahme 23197183
RAKESH SURESH NARESH MANISHA
LAKHIR SIDHU 23149931 KUMAR 23139696 KUMAR 27000068 KUMAR 23200570 SHARMA 24009190
RAJESH
SATISH VALLINAYAGA RAJGURU PABITRA
BALESGOL 24009159 M 23174846 PATIL 23176423 BOSE 23091897
Manab Pranab
Kunal Raj 23221466 Ratul Deka 23185246 Rajib Das 23177041 Baishya 27004569 Upadhyaya 23202056
NISHITH RAVI BHUPENDRA KULDEEP LAXMAN
KHATRI 23240053 BHARAVA 24009012 SINGH 24009338 KUMAWAT 23093362 SINGH 23152149
GURU PATRICIA
PRAKASH ANJEET KAUSHIKA SWETA
KUMAR 27004509 PRATIK SINGH 23112857 KUMAR 23134609 SHRIYA 27004250 KUMARI 23167139
VINEET SATISH AMIT AGNIVESH GAURAV
BHATIA 24009105 YADAV 24009234 LUHACH 23236499 SANGWAN 24009178 SHARMA 23217976
RAKESH SOURABH MUJEEB MANOJ
RISHI RAJ 23082247 RAINA 23175411 RAINA 23205347 KOUL 23196558 KUMAR 23135922
Vinothkumar Kumarakrishn
J 23184332 an 23221594 Tamilarasan 23245317 Palanivel V 24009350 Jaganathan S 27004202
VINEET SATISH AMIT AGNIVESH GAURAV
BHATIA 24009105 YADAV 24009234 LUHACH 23236499 SANGWAN 24009178 SHARMA 23217976
Rahul Shashank
SUMITRA ZENOBIA VARADA
SUCHETA KRISHNAMUR ZULFIKAR DINKAR
MENON 23233196 THY 23141713 VASI 23102851 KULKARNI 27003186
Rahul Shashank
Rahul Shashank
GURU PATRICIA
Gurpreet
Anuj Chauhan 23152323 Singh 23199773 Atul Monga 27004370 Jasveer Singh 23242528 Deepak 23175407
SWATI SONAL
RAHUL PRASHANT VISHNU SUSHANT PRIYA
VELINKER 23162623 PHANSE 24009108 SAWANT 24009085 PATIL 24009360 BAWLEKAR 24009114
NABARUN VIJAY MUTHU PRASHANT
FEROZ KHAN 23171877 DUTTA 23187906 HANDORE 23189310 NADAR 23172297 KAMBLE 23187905
MRS.
MR. GANESH MRS. KAVYA MADHURA MRS. RIYA MR. SANDIP
JOSHI 23176506 SHETTY 23189543 DSOUZA 27004385 VALECHA 23186852 DESAI 23112692
Rahul
Velinkar 23162623 Rajguru Patil 23176423 Nilesh Verma 23197178
Utkarsha Santosh Deepak
Pednekar 27003151 Kumar 24003054 Nafiz Khalife 27004524 Vaishnavi 27008083
RAVI BHUPENDRA KULDEEP LAXMAN RAJSHREE
BHARAVA 24009012 SINGH 24009338 KUMAWAT 23093362 SINGH 23152149 SHEKHAWAT 23220326
Swanand Rajshri Reena
Argade 23236868 Chaudhari 23239289 Madiman 23242360 Pooja Khade 23241329
SANDIP RUPALI PRAFULLA CHANDRAKA
PALOD 23083005 DESHMUKH 23082772 SHISODE 23106576 VIJAY PATIL 23126260 NT BACHHAV 23208464
GURUBASAYY VISHWANATH VENKATESH KRISHNAMUR
A HIREMATH 23089997 .C 23136924 ARUN PATIL 23128459 AKKOLKAR 23202031 THY.D 23116307
Gurpreet
PRIYANKU
MRINAL SANKAR PRITAM
KALITA 23110088 NAYAN HALOI 23135824 HAZARIKA 23199392 UZZAL DAS 23195483 SAIKIA 23238880
Manisha
Sharma 24009190
Pavan Dattatray
Bhadule 23195786 Ankit Borkar 23222294 Kirti Todkari 27003845 Omble 27003208
Pranab Manab
Kunal Raj 23221466 Upadhyaya 23202056 Baishya 27004569 Ratul Deka 23185246 Rajib Das 23177041
Akash Varun
Wadhwani 27004424 Gangurde 27000364 Ganesh Patil 23166734
Padnekar 27003151 Kumar 24003054 Nafiz Khalife 27004524 Vaishnavi 27008083
SAGAR PRASOON AKHILESH AKHILESH GAURAV
YADAV 24009083 KUMAR 23188927 GUPTA 23090750 PANDEY 24009288 VERMA 23070946
PRIYANKU
NISHITH RAVI BHUPENDRA KULDEEP RAJSHREE
KHATRI 23240053 BHARAVA 24009012 SINGH 24009338 KUMAWAT 23093362 SHEKHAWAT 23220326
Gurpreet
PRIYANKU
Gurpreet
Manju
Nisha Nair 24009120 Thirunilath 23071781 Deepa M M 23078411 Dileep Antony 23216392 Rajesh M R 23236285
SWATI SONAL
Gurpreet
PRIYANKU
Aditi Badal Sachin
Sherlekar 24009139 Mujawar 24009066 Kumbhar 24009304
SWATI SONAL
SHANMUGAV THIRUMURTH
EL M 23227905 MANOJ R 23233008 Y 23154842 JAYKUMAR S 24005666 PRAKASH 27004798
PRAKASH SATISH Bhavika
MAHAMUNI 23122573 CHETIWAL 23188328 Rathod 23077751 Jyoti waykar 23236542
Gurpreet
Aditi Badal Sachin

RAHUL SWATI PRIYANKA AKHILESH
PANDEY 23069233 SHARMA 23083041 PARMAR 23121719 SHARMA 23137577 ROHIT GUPTA 23135015
RAVI BHUPENDRA KULDEEP LAXMAN RAJSHREE
BHARAVA 24009012 SINGH 24009338 KUMAWAT 23093362 SINGH 23152149 SHEKHAWAT 23220326
PRIYANKU
VIJAYKUMAR
SANDEEP SACCHIDANA DHUMANSUR SAMIKSHA MANMOHAN
JADHAV 23108535 ND DINDORE 23136022 E 23235508 SHINDE 23073350 BHANDIA 24009276
Aditi Badal Sachin
Aditi Badal Sachin

PRAKASH SATISH BHAVIKA JYOTI
MAHAMUNI 23122573 CHETIWAL 23188328 RATHOD 23077751 WAYKAR 23236542
PRIYANKU
Kishore Vikas Ganesh
Bhaskar 23218775 Mediritta 23105089 Srinivasan 23244723 Sundar T 27004255 V Sumesh 23243811
Yashwant Raju Sandip
Bahirat 24009031 Mandaokar 23076719 Waghale 23201555 Leena Chavan 23079979
RAHUL SUVIDHA MAHESH
VELINKER 23162623 MHATRE 23103411 THORAT 24009109
Aditi Badal Sachin

RAHUL SWATI PRIYANKA AKHILESH
PANDEY 23069233 SHARMA 23083041 PARMAR 23121719 SHARMA 23137577 ROHIT GUPTA 23135015

Aditi Badal Sachin

MANOJ MANIKANDA THIRUMOORT
KUMAR S 23154411 KANNAN P 23234504 NG 23222918 RAGUPATHI S 23126041 HY N 23154842
S Manoj N G
Kumar 23154411 Thirumoorthy 23154842 S Ragupathi 23126041 Manigandan 23222918 P KANNAN 23234504
PRAKASH SATISH BHAVIKA
MAHAMUNI 23122573 CHETIWAL 23188328 RATHOD 23077751 Jyoti waykar 23236542
VIJAYKUMAR
SANDEEP SACCHIDANA DHUMANSUR SAMIKSHA MANMOHAN
JADHAV 23108535 ND DINDORE 23136022 E 23235508 SHINDE 23073350 BHANDIA 24009276
PEER BHASHA RAJASHEKAR. SRINIVAS GOVARDHAN
SHAIK 27004477 P 23235360 PUJARI 23139392 GOUD 27003707 SUNIL REDDY 27001853
VAIBHAV KAILAS JAYWANT SAMIKSHA MANMOHAN
JADHAV 23198296 THOMBRE 27002008 KADAM 23136018 SHINDE 23073350 BHANDIA 24009276
Bineesh
Sumesh V 23243811 Naveen KV 24009363 Jithin E 27000640 Prashanth Rai 23124837 Abraham 27000629
PRAVEEN KULDEEP NAREH NAVEEN
PUNIA 24009061 SHARMA 23125561 KUMAR 23181099 SHARMA 23106690 SHIVAM GHAI 23112359
ANIRUDHA KUSH BISWAJIT DEY DEBASIS SAUGATA
SINHA 23089999 KIRTANIA 23134154 -MIBL 23174926 MAITY 23216759 SAHA 23236621
POONAM RACHEL PRIYA SANTOSH
JADHAV 23106719 CASTELINO 23140719 SAWANT 23077479 GAWDE 23070953

KASHIRAM VINAYAK SANGRAM
KAMBLE 24009117 SAGAR PATIL 23216530 BHAGAT 23100707 ARTI KADAM 24007568 GAMBHIR 27004423
Idea Name Idea Theme Describe Your IWill your idea Is your idea di Is your idea di Can your idea b
Cost Reductio Increase in Cu Increase in In Industry Best Practices as Insurance Broker
Profits
zooming 1 Ffhjklllkvkl 3 3 3 2
 The
claim data
should be
synced with
the renewal
data.
 The call
center team
needs to use
the claim
data as an
important
point to
convince the
customer.
Outcome:

Retention
conversation
percentage
can be
increased by
the min 15%
 We can
get the
feedback of
the service
rendered by
the insurer
and our team.
 The
contractility
will be
increased
since no
customer will
provide
wrong
number
during the
claim
situation.

Increase in
the revenue
Retention due to
Improvement improvement
through Claim in retention.
analysis Data 1 1 4 1 1 1

1.Preferred
partner
network
workshops
need to
identified and
terms need to
discussed.
 2.We
already have
a Mahindra
first choice as
one of the
option.
 3. Our
sales team
needs to
promote the
customer that
they will
provide with
this coupon if
the policy
renewed
through us.
Outcome:

1.Retention
conversation
percentage
can be
increased
through
competitive
advantage.

2.Increase in
the revenue
due to
improvement
in retention.
 3.The
Retention customer also
Improvement satisfied due
through to additional
Fringe benefit.
Benefits 1 1 4 1 1 1
contract need
to signed by
the customer
including this
option so that
it become
mandatory
for the
financing the
vehicle.
Outcome:

1.Retention
conversation
percentage
can be
increased
through
competitive
advantage.

2.Increase in
the revenue
due to
improvement
in retention.
 3.The
customer also
relieved from
the financial
crunch.

4.Present
situation,
MMFSL
CONTRACT
vehicles are
without the
proper
insurance this
lead to
increase in
the bad
debts.

5.MMFSL
MMFSL Asset will get
Retention secured due
Improvement to this
through EMI project.
Option 1 1 4 1 1 1
Income.
•
Increase in
Customer
Base.
•
Increase in
Mutual
Connect
between
Mahindra
Finance and
Mahindra
Insurance.
•
Customers
Renewals will
be happening
automatically.
•
Mahindra
Finance will
have assurity
that there
Vehicle are
Safely Insured
and are
Documented.
•
Mahindra
Insurance will
Pro Actively
engage in the
Customer
Service
before the
concern from
Mahindra
Finance
arises.
•
Decrease in
NPA due to
Assured
Insurance,
Claim Support
and Faster
Settlement
SAGA-. from
SafeGuard Insurance
our Assert 1 Companies. 1 1 1 1
based on the
band and
their work
application.
Outcome:

Reduction in
expenses.
For Example:
( Approx.
calculation )
In Tamilnadu
have 40
Employees.
One Data
Card Bill is Rs.
500 Average.
40*500=
20,000/-.We
Can Save
20,000/-
Average from
One State.
Mobile Bill is
Rs. 700
Average but
we can
change the
plan to
Rs.299
40* 700 =
28000 ,
40*299=
11960/-
We Can Save
16040/-
Average from
One State.
Cost Total will be
Reduction Rs.37000/Stat
through e/Month.
managing the
expenses 1 1 5 5 5
maximise the
potential of
earning more.
The same is
already been
done across
various teams
like for
property,
marine and
liability.
4. PAYBIMA
effectiveness-
Currently the
Paybima been
launched is
primarily
been limited
to retail
business
however
same should
be expanded
to provide
solutions or
handle
queries
relating to
corporate
business as
well. This will
lead to
creation of a
database
which is
concrete and
which shall
have a good
conversion
rate as well.
This is already
been done by
our existing
competitors
like
Policybazaar
and
Securenow to
a large
Increase in extent.
Revenue 1 3 2 2 2
for
employees to
connect back
to MIBL
Team.
• MIBL
Team with
the received
data connects
back to
Employee In
2-4 hours
with the
required
details.
• On the
acceptance of
the deal it will
be punched.
Outcome:
• Entire
Mahindra
Group will be
informed On
MIBL
Products
which helps
in Branding.
•
Customer
Service will
be more
effective due
to mutual
Trust and One
Touch
Support.
•
Increase in
Trust of Our
group
Products.
•
Increase in
customer
Base.
APNA •
MAHINDRA Increase in
APNO KE Revenue and
SAATH 1 Income. 1 1 1 1
propose for a
Virtual office
for all
employees
which will
help in
decreasing
real estate
cost, This is a
good step
keeping in
mind the
current
situation. We
can invest in a
good audio
and web
conferencing
tool which
will enable us
to conduct
our meetings
seamless and
thereby
reducing the
travel cost
both intercity
and intra city.
Apart from
these we also
propose for E
signature / E
documents
and zero
paper policy.
This will help
us in reducing
the cost and
reducing the
carbon
footprints.
2. One of the
other cost
reduction
measure can
Improving be a decrease
Efficiency in the Dental
Decreasing benefit limit
Carbon given to all
footprints 1 employees. 1 1 1 1
Rs1300 each
month. Total
saving cost is
Rs.62400/-in
4years(1300*
12=15600*4=
62400).So I
save
Rs15600/- in
each year.so
if on this
above
example I
calculate
Mobiles exp.
on 2000
employee
then we save
minimum
Rs2000*1560
0=3.12cr each
year.so
mobiles exp.
should be
fixed.
and also one
suggestion is
that sim will
be allocated
branch wise,
if any
employee
resign or
transfer from
one location
to another
location then
he will left
this SIM card
to his exiting
location and
give this sim
no to new
employee.
this idea will
hep to
increase
customer
• Cost retention and
Reduction services.
Measures 1 1 1 4 1
from this
illness
7) Online
survey can be
an effective
tool for
monitoring
the emotional
well-being of
employees on
an ongoing
basis
8) Rapid
Action Force
who can
extend
support to
the employee
and their
families if any
of them
infected with
COVID 19
9)
Partnership
with Logistics
Development company who
of an can support
Integrated for
Platform transportatio
enabling n needs
employees to We strongly
get believe that
information “Having a
and means to source of
connect with truth is really
relevant important”
stakeholders and this IT
such as Platform with
Testing the suggested
Centres, inputs will
Doctors, surely help
Quarantine organization
Centres and to offer much
Hospitals in needed
case if they comfort to
have COVID our
syptoms or employees in
diagnosed the tough
with COVID- times
19 1 3 1 1 1
Integrating
Paybima into
our CRM App
to serve as a
one stop
insurance
solution
partner for all
customers .
Onboarding
LIC as a Life
insurance
Your partner into
Insurance paybima will
Solution serve as a
Partner 1 USP for MIBL. 4 1 1 1
Opting for
Annual
Mobile Plan
instead of
Monthly
Billing Cycle.
By Doing this
we can save
Substantial
cost of mobile
bills in a year.
Which can be
near to 4 to 5
thousand per
head
approximatel
y.
Month Plan
-
600/- * 12
Month = Total
7200/-
Annual Plan
-
2000/-
Total Save
-
5000/- per
employee
MIBL Total
Employee -
1000
Total Saving
-
5000 Per
Employee *
1000
Employee =
50 Lac Per
1. Cost Annual
Reduction 1 1 1 1 1
Centralized
What's App
Number
1.Once the
policy
generated
welcome
massage
should be
received to
Insured with
policy PDF for
any future
queries
through MIBL
2. At the time
of renewal it
helps to get
connected
and resolve
the insured
query like
premium,
quotations,pa
yment
mode,Neares
t Mibl person
(name or
phone
number),
Centralized Branch/Deale
What's App r Details etc.
NUMBER 1 1 2 2 3
from this
illness
7) Online
survey can be
an effective
tool for
monitoring
the emotional
well-being of
employees on
an ongoing
basis
8) Rapid
Action Force
who can
extend
support to
the employee
and their
families if any
of them
infected with
COVID 19
9)
Partnership
with Logistics
Development company who
of an can support
Integrated for
Platform transportatio
enabling n needs
employees to We strongly
get believe that
information “Having a
and means to source of
connect with truth is really
relevant important”
stakeholders and this IT
such as Platform with
Testing the suggested
Centres, inputs will
Doctors, surely help
Quarantine organization
Centres and to offer much
Hospitals in needed
case if they comfort to
have COVID our
syptoms or employees in
diagnosed the tough
with COVID- times
19 1 3 1 1 1
Currently we
are giving Rs.
50 for MAS
and 100 for
MLS which
need to
redesign
incentive slab
wise for
collection
executive for
Non IHM MLS
& MAS cases.
Minimum
eligibility
should start
by doing 3
cases and
further to
next level.
On and
Average 60%
of Collection
manpower
are closing
one or two
cases, if we
create slab of
minimum
three cases
for eligibility
of getting
incentive
without
changing
Incentive
Amount, it’ll
help us to
motivate
collection
manpower in
to more
Re-Designing productive
of Incentive manner and
Slab for also help us
MMFSL to reduce this
Collection incentive
Team 1 1 1 1 cost. 1 1 1 1
L90-L70
Mobile bill
reimburseme
nt is 1000-
1500. Which
is very high
because if we
compare in
the market
there is many
Plan given by
the telecom
companies in
the market in
the range of
500-700. and
if we take a
look of
mobile
reimburseme
nt of the
employees
not more
500-600. so
that we
reduce the
mobile bill
amount. This
help us to
reduce our
cost
immediate
basis or we
can tie up
some telecom
company on
local basis of
regional basis
with good
plan with
Minimum
Fixed charges.
In there plan
net pack is
also including
with daily Net
data, which is
more
sufficient in
Mobile Bill the this
Expenses 1 Grade. 1 2 2 2
1) Our CRM
app should
be installed
by every
client which
will help in
Improving
customer
stickiness/
long term
relationship
thereby
helping us in
retention of
our clients.
2) We as a
Risk
consultant
should also
focus on
conducting
VAS ( Value
Added
services) for
EB as well as
Non EB
portfolios
including
Marine, Fire,
liability of our
clients. This
will help us in
projecting as
Enhancing a strong risk
Customer management
Stickiness 1 partner. 4 1 1 2
Sales will
contribute
without any
burden on
current Sales
force as they
will generate
and close the
leads by
themselves
- There
will be
healthy
competition
between
Sales force
and Non-
Sales force as
Sales force
will have to
try to
maintain
higher
business than
Non-Sales.
Thus,
benchmark
for Sales
force will
increase
-
Knowledge,
Motivation
and
confidence
levels of Non-
Sales will
increase
when they
get directly
recognized
for
contribution
to companies
revenue
alongwith
100% Sales their current
enabled Non-Sales
Organization responsibilitie
through s
Sajhedaari 1 1 1 1 1
MLS policies
online.
Idea 3 :
Setting a
Different
Target
Motor /
MAS / MLS
For CCC to
close case :
As we know
that Call
centre
generate
leads for each
state and are
distributed to
the
respective
states, now
when we
have online
policy making
services for
Motor as well
as for MAS,
let them close
their leads by
themselves
without
circulating it
to the BDE
and being
dependent on
them. This
way Call
centre
themselves
can increase
the business
volumes and
then the call
centre could
be fully
Adapting utilized, We
Customer can take the
enhancing example of
programmes policy bazaar.
/ Services 1 1 1 1 1
MLS policies
online.
Idea 3 :
Setting a
Different
Target
Motor /
MAS / MLS
For CCC to
close case :
As we know
that Call
centre
generate
leads for each
state and are
distributed to
the
respective
states, now
when we
have online
policy making
services for
Motor as well
as for MAS,
let them close
their leads by
themselves
without
circulating it
to the BDE
and being
dependent on
them. This
way Call
centre
themselves
can increase
the business
volumes and
then the call
centre could
be fully
Adapting utilized, We
Customer can take the
enhancing example of
programmes policy bazaar.
/ Services 1 1 1 1 1
would be
number of
Leads closed
by issuance of
policy
Strategic
Alliance Leads
Criteria for
qualification
would be
activation of
tie-up
through
anyone
product
Incentives to
Non-Sales will
be a certain
percentage of
income
generated
without
compromisin
g the overall
income of
company and
costs of
current
incentive
schemes
Benefits
Will give
opportunity
to Non-Sales
team to
contribute to
revenue of
Organization
Additional
Retail source of
customer / Leads and
Corporate business
customer opportunities
Lead Special focus
generation on Leads
contest for generated by
Non-Sales Non-Sales
employees 1 force 2 2 2 1
ect.
Outcome:
By
implementing
this process
we will have
the benefits
of
1.
Increase in
customer
reach helps
increase in
renewal,
revenue &
income.
2.
Accurate
contact
number of
customer
3.
Coverage
offered to the
customer
4.
Customer
acceptance of
the
coverage’s &
premium
5.
Branding to
customer on
Mahindra
insurance
brokers
6.
Contactability
for customer
in any sort of
support from
MIBL.
7.
Transparent
transaction
with
customer &
PAHACHAAN 1 1 MIBL. 2 1 1 1
Partners
During their
Meeting at
Manufacturer
office were
we
acknowledge
and
appreciate
their
collaboration
with us
through some
kind of
Reward &
Recognition
program,
Purely base
on their
Business
Penetration
with us.
This Activity
Should be
done
quarterly or
Half yearly
basis in sync
with
Manufacturer
team. This
will Create
more
awareness in
to dealers
fertility for
our services
and features
and at a same
time provide
common
platform to
develop
synergy in
between all
stake holder.
ie.
Manufacturer
Customer , Dealer, &
Engagement MIBL
Program 1 1 1 3 1 1 1
create
provisions on
their website
for MIBL
Insurance
Solution by
clicking on
icon, for
instance;“
Click here for
Insurance
Requirement”
, the link will
take the
potential
customer to
MIBL website
page from
where
customers
can browse
and select as
per their
need. Even if
the services
are not
opted, by
browsing we
can establish
our presence
as MIBL and
services
offered in the
minds of the
customer for
his future
needs. This
will not only
help to
increase
reach of our
Increase existing
Customer customers,
reach through but also help
digital us to increase
channels to new business
Interact via enhancing
our website - the
' Increase company’s
Online brand &
Experience' 1 visibility. 4 1 2 2
uploading
breaking
photographs,
and
knowledge
about our
different
products for
our
interested
customers.
Also contact
details of our
Mahindra
dealerships
nearby, PPN,s
around their
location for
cashless
facility,
Mahindra
First Choice
or to avail
loan facility .
By using a
common app
it will also
create value
with one stop
solution that
we suggest
will be the
most
advanced
practice that
can also be
used to build
customer
database for
renewals and
customer
retention by
linking
Insurance contact
virtual details of our
digitalization policy
through all issuance
solutions with team for
'One direct
Mahindra' business as
App. 1 1 1 1 well. 1 1 1 1
costs (Travel/
Food/ Mobile
etc.)
- Fixed
cost
After above
analysis, we
will have
information
of what costs
are paid per
case. Thus,
when
designing
new schemes,
we can
segregate the
fixed costs
and discuss
how much
should be the
variable
incentive
costs and
revenue
required to
generate
desired
marginal
profit
Benefits
Reduction in
costs by
changing
current
incentive
structures/
schemes
Clarity of cash
flows
Increase in
effectiveness
Reduction in of incentive
costs of schemes to
incentive generate
schemes/ desired
contests run results of
through MIBL 1 1 profitability 1 1 3 1
Looking at
the growth
prospective in
mediclaim
Segment,Idea
is to have a
policy of
mediclaim
with any
reputed
insurer with
reasonable
pricing for
MIBL with full
control of
enrollment
Introduction and other
of Exclusive operational
Mediclaim things like we
Policy 1 1 1 1 have in MAS 1 1 1 1
Brokers take
advantage of
Online
Payment
mode for
premium
Collection.
There is main
two benefits
first is this
reduce cost
of two
wheeler
expense and
also reduce
for man work
hour on 64vb
clearance. In
this time
Customer are
now make
the payment
by online
mode and
understand
the
importance of
online
payment.
With online
payment
mode work
efficiency of
the ground
level team is
Increase. Also
reduce the
Expenses on
daily basis.
There is no
requirement
for Premium
collected
from
Customer and
deposit in the
Insurance
Online company. It is
Payment time saving
Mode and cost
Preffered 1 saving. 1 2 2 2
It will really
help us to
increase our
MLS and MAS
penetration
specially in
tractors,beca
use many
borrowers of
tractors are
of higher age
due to which
we can't offer
them MLS
Eligibility of and hence get
Co-Borrower dent in
for MLS & overall take
MAS 1 1 1 1 up. 1 1 1 1
analyze their
causes
Step 4:
Remove the
unwanted
outliers by
policy
modification/
circulars etc.
Step 5:
Reanalyze the
fresh graph to
find new
outliers and
repeat the
steps from 2
to 4 till a
meaningful
LEAN graph
area is built
Benefits
Immediate
outcomes in
cost
reductions
Building a
structured
approach for
cost analysis
for future
years
Enabling the
Sales team to
know what
costs go into
which
revenue
generation
activity so
that one can
Cost change the
reduction modus
measures operandi to
based on data control the
analysis of costs and
‘cost to increase the
output ratio’ 1 profit 1 1 5 2
CRM and
collect the
required
document
and generate
the policy
against
requested
insurance co.
tagging the
HHD receipt
and enter the
receiver,
Accountants,
BDE mail and
phone no.
and in short
Like Ebm
Portal for
Direct
business
portal with
multiple ins
co. and same
product
features
2. In this
Customized
Portal those
who are
interested in
online
payment
mode than
can use
available
online
platform like
UPI , Google
pay, Net
Banking etc.
will help to do
the same .
3 centralized
What's App
no will help
here also may
resolve the
Customized customer
CRM Portal queries
For Renewal 1 1 1 . 1 3 3 3
REDUCTION
IN MOBILE
EXPENSE BILL
FROM
COST 500~1500
REDUCTION DEPENDING
IN TERMS OF UPON
PROFIT. 1 GRADES. 1 1 1 2
India's 1.1
billion people
are covered
through
health
insurance. ...
Given the
health
financing and
demand
scenario,
health
insurance has
a wider scope
in present
day situation
in India.
Health that is
real wealth
and not
pieces of gold
and silver” II.
If you don‟t
have health,
you don‟t
have
anything.
About some
selling point
of Health
Insurance :-
1. Don't Rush
the Sales
Process.
2. Always
Know What
Your Goal is
for the
Outcome of
the Meeting.
3. Don't Be
Afraid of 'No'
4. Build
Genuine
Relationships.
.. But Don't
Push It.
5. Do More
Listening
HEALTH KA Than Talking.
TRAP 1 1 2 2 1
•
Increase in
New
Customer
base under
Direct
Business.
•
Increase in
Dealer and
Channel
Partner New
and Renewal
Business due
to Brand
Recognition
in turn happy
Channel
Partners.
•
Increase in
Net Revenue
and Income
towards
Organization.
• By
increase in
Volume due
to Brand
Recognition
Commissions
can be
reduced and
Income can
be increased.
Most helpful
when Market
Size is Limited
(OEM
Business).
•
Increase in
customer
retention and
more happy
Customers.
• New
Products have
SUDHAAR a Brand
-Impact of Recognition
Branding 1 1 Advantage. 2 1 2 1
breaking
photographs,
and
knowledge
about our
different
products for
our
interested
customers.
Also contact
details of our
Mahindra
dealerships
nearby, PPN,s
around their
location for
cashless
facility,
Mahindra
First Choice
or to avail
loan facility .
By using a
common app
it will also
create value
with one stop
solution that
we suggest
will be the
most
advanced
practice that
can also be
used to build
customer
database for
renewals and
customer
retention by
linking
contact
Insurance details of our
virtual policy
digitalization issuance
through all team for
solutions with direct
'One business as
Mahindra' well.
App. 1 1 1 1 1 1 1 1
BY HIKING
BONUS FROM
1%~5%
DEPENDING
UPON
SOURCE OF
BUSINESS. 1%
HIKE ON
EACH 1 LAKH
PREMIUM
UPTO
PosP BONUS 1 5LAKHS. 4 2 2 2
MAS
PREMIUM
SHOULD BE
ADD AND
RECOVERED
IN 10
MONTHS
WITH TWO
MONTHS
GRACE
PERIOD. AS
SOON
AMOUNT IS
RECOVERED
MAS WILL BE
AUTO
RENEWED.
FOR BETTER
UNDERSTAND
MAS ING WE
PREMIUM WOULD LIKE
THROUGH TO HAVE A
INSTALLMENT 1 CALL. 4 2 2 3
We had send
Text MSG to
the Renewal
customer of
Only one
product at
one time. to
our
MIBL/MMFSL
customers.
Can we start
One text msg
to all our
customers for
all 3
products .so
that we can
approach
every
customer
with all 3
products
easily, It
Increase our
Customer
services as
well as our
Customer
retenion. At
one time we
educate to
the customer
our Products
and Increase
our revenue
immeidate.
And secondly
SMS send
sent to the
customer for
the renewal
also share the
No of
BDE/TM for
Renewal MSG easy and fast
To the communicati
Customers 1 1 on. 3 2 1 2
gradation we
could control
cost.
Moreover
some of the
employees
can be
rewarded in
the form a
voucher or an
appreciation
certificate
who are
doing
advanced
bookings and
helping the
co. save costs
wherever
possible. It
could be
noted that in
case of
outside city
travels
mahindra
guest houses
could be used
wherever
convenient
and possible
so that costs
could be
controlled.
We can also
note that in
case of
conducting
conferences
and trainings
we should
rely on our
own in-house
infrastructure
which would
help us in
Reduce saving costs
expenses by in conference
introducing halls and
new travel other venues.
fare policy 1 1 2 3 3
Incentive to
each Business
Executive for
MLS and MAS
take up :
The business
executive
frequently
ask for
incentive in
MLS and MAS
new
business .
Because as
per them the
other
financial
sectors
provide
monetory
incentive in
such product.
If Company
stop
arranging
trips for only
the top
executives for
take ups and
invest the
amount on
providing
monetory
incentives to
each Business
executive
accordingly
with their
take up
percentage,
the company
can minimize
its cost as
SMART well as
STRATEGIES motivate all
TO GENERATE the Business
MORE Executive to
INCOME do 100 % MLS
DURING and MAS .
COVID- 19
PANDEMIC 1 1 1 1 1
times
regarding
premium
collection, &
follow ups,
travelling
cost, process
for policy
issuance as all
these POSPs
can issue
policy from
their own
sajhedaari
portal, no risk
for cash
handling. In
that way we
can EXPAND
our reach and
business into
the untapped
market and
customers
with more
technology
adaption to
our existing
customers.
Referral from
existing
customers
always is a
cake and if
we can make
them our
POSP then it
will be a
cheery for
them from us.
Our project (P
A C E) can be
validated
through this
idea.
That’s all
CaP (when from my
Customer team in IDEA-
becomes our THON 2020.
Promoter) 1 1 1 1 1 1 1
VEHICLES
BENEFIT
THROUGH
MMFSL
COMPARE
DEALER
MMFSL
PROFIT
DIRECTLY
2-3%
4-5%
DEPENDANCE
DEPENDENT
NOT
DEPENDENT
REWARD
SYSTEM
NO
REWARD
SYSTEM
REWARDS
FOR LONG
RUN
RENEWAL
NOT
INVOLVED
INVOLVED
THROUGH
OUT YEAR
(DIRECTBUSIN
ESS)
POSP
POSP
MODEL WILL
NOT WORK
POSP MODEL
BUSINESS VIA WILL FULLY
MMFSL WORK
EMPLOYEE 1 1 1 2 1
Outcome:
The journey
from a sales
person to a
solution
provider will
attract minds
of many, who
will try and
associate with
MIBL.
Empowermen
t will create
ownership
into the POSP
which help
for better
customer
service
Positive
engagement
will create
positive
pressure and
keep POSP’s
inspired and
help to
perform well
POSP will
more relay on
Mahindra
legacy than
voracity in
the market
Apart from
POSP
business
payout, they
can earn from
claim
settlements,
vehicle
diversion
incentives,
POSP in a and claim
New Avatar : consultancy
Point of fees (if in
Solution place)
Provider 1 1 1 1 2
instance. It
could infuse
excitement
for certain
employees
who are
willing to
move into
different roles
. This could
help us
improve our
employee
retention and
employee job
satisfaction.
Also this
policy should
be very
dynamic in
nature so as
to ensure
that the
employee
does not have
any hurdles in
learning the
new job role
or duties .
This would
also give us
an advantage
to have more
skilled
employees
and more
satisfied
employees.
Which would
lead for
better
productivity
Improve in certain
customer employees
retention eventually
through leading to
providing better
flexible job customer
role change service and
option to customer
employees 1 retention. 2 2 3 3
service team
and support
for the
activation of
EBM portal in
the service
point
5. Target will
fixed and
whoever the
surpass the
target, they
will be
facilitated
with
certificate of
appreciation.
Outcome:
1. Increase in
the number
of customers
with no extra
cost involved.
2. Increase in
the revenue
due to
improvement
in retention
and rollover
business.
3.
Improvement
in retention
will lead to
improvement
in the
bodyshop
vehicle flow
and
subsequent
revenue
Improvement
.
4. This will
RISE - increase the
Retention MISP loyalty
Improvement with MIBL.
with Service
Engagement 1 1 4 1 1 1
Ensure all the
possible
payments
from
customer
through
online,it will
help to
reduce the
traveling cost.
Try to avoid
courier
completely
and make all
things
through
digital
platform for
business and
claim related
process.
Arrange
maximum
meetings
through
online with
team and
Cost other stake
reduction 1 holders. 1 4 3 5
WHEN WE
GIVE
PERSONAL
ACCIDENT
(PA) WITH
THE
INCLUSION
OF MOTOR
INSURANCE
OUR PROFIT
IS ZERO.
WITH
INSURANCE
COMPANY PA
COVER IS
OPTIONAL.
WE CAN
PEOVIDE
SEPARATE PA
COVER WITH
MOTER
INSURANCE
EXCLUSIVLY
VIA MIBL. IT
WILL
PROFIT INCREASE
THROUGH OUR
PERSONAL PROFITABILIT
ACCIDENT Y.
(PA) COVER 1 4 1 1 2
Having a
corporate
connection
for SIM and
internet
services
would not
only help
company to
have more
negotiated
calling rates
as well as
higher
internet
usage
facilities. This
could help us
save some
costs and
CUG calling
could be
practically
free. This
facility is
common
practice in
certain bigger
conglomerate
Introduction in the country
Corporate and have
SIM been used in
connection an effective
facility 1 manner. 1 2 3 3
2)
Increase in
Conversion of
leads into
Sales
3)
Increase
customer
retention
4)
Addition of
New Strategic
Client
5)
Increase in
revenue due
to better
negotiation
with
Insurance
company
after detail
understandin
g of loss ratio
6) Help
company to
become
“Future
Ready”
Organization
We strongly
believe that
Product
Management
Team can
become
interface for
all parts of
the
organizations
and will have
the greatest
visibility over,
all internal
and external
Motor factors to
Insurance ensure the
Product success of the
Management organization
Team 1 1 4 1 1 1
We can
channelise
our Claims
servicing
ability to help
those
corporates
who are not
our clients as
of now and
are facing
issued in their
large claims.
We can
charge such
corporates
for the
services we
provide to
them and
increase the
income for
us. Also, this
will help us to
win such
corporates
and help us
generate
more income
on their
entire
portfolio. this
will also help
us in getting
Claims identified in
Advocacy for the market
non-clients 1 place. 2 1 1 2
capture out
of the box
achievement
and publish
same in e-
Magazine.
 We can
also create
short web
series to
generate
insurance
awareness
and unfold
customer
experience
Outcome:
 Shout
out for best
performers
will motivate
all stake
holders &
boost them
to achieve
consistently.
 This
will help us to
implement
best practices
in all regions.
 This
will help us to
enhance
knowledge of
employees.
 This
will help us to
stay updated
with best
E-Magazine practices in
to capture industry.
MIBL  Shout
Trendings, out for best
Insurance performers
Industry will help us to
Hashtags and motivate all
ShoutOut for employees to
Performers in achieve
MIBL 1 1 consistently. 4 2 1 1
WE CAN
INCLUDE MAS
IN EBM AND
TRACKPRO. IT
CAN BE
PROMOTED
BY M&M AS A
SALES TOOL
WITH VERY
MAS (OR LESS
HEALTH) EXPANCE
INSURANCE WITHIN
INCLUSION IN 2500/-. IT
EBM/TRACKP WILL BENEFIT
RO 1 MIBL TOO. 1 2 2 2
Ensure EMI
option of
premium
payment for
MMFSL
customers , it
will helps to
increase the
direct
business and
income.
single online
plat form for
all the
products, Try
to sell
insurance
products
through
MMFSL asset
management
team like
MMFSL and
MRHFL. Try to
introduce
new
products. Try
to start OEM
program with
other
manufacturer
s. Ensure the
standardizati
on of
Discount with
all the
companies
dealing with
MIBL, it will
reduce the
renewal
INCREASE IN through out
INCOME 1 side channel. 1 2 4 2
1.PROMT
POLICY AND
CLAIM
SERVICE. 2.
RESPOND
CUSTOMERS
CALLS ANY
TIME. 3.
MAKE
CUSTOMERS
TRUST ON US.
4. BUILDING
RELATIONSHI
P. 5.
BIRTHDAY
AND
ANNIVERSAR
Y WISHES TO
CUSTOMERS.
6. SUPPORT
FOR ANY
INCREASE IN HELP APART
CUSTOMER FROM
RETENTION/C BUSINESS.
USTOMER
SERVICE 1 1 1 1 1
Inclusion of
retail policies
like
cyber,motor,
term
life,health in
pay bima site.
Making this
site available
for corporate
clients so that
their
employees
can purchase
the products
from there.
Also Create
new retail
health
insurance
product with
the insurer
which can be
sold to
general
public.
coverage will
Online be better
Platform for than existing
Retail ones available
Products 1 in the market 3 1 2 1
3. Instead of
using post
paid number
we can use
prepaid
mobile no
since it is
cheaper than
post paid
rental.
4. We should
give the MAS
premium
quote to the
customer
with last year
premium &
his/her
eligible
cumulative
bonus.
5. Insurance
funding to be
released for
Motor, MLS &
MAS how the
sundaram
finance is
doing .
6. MAS
Product can
be offer to
MIBL
employee
and their
family so that
we can get
the attractive
health
insurance
coverage at
low cost.
7. We should
ensure our
MMFSL
collection
employees
are well know
about our
Cost MAS features.
reduction 1 1 1 1 1 2 2 2
Digital
marketing for
increasing
online lead
generation.Ca
n be
distributed
region wise to
respective
RMs. Linkedin
platform to
generate
sales on
individual
front.
Conducting
client surveys
to define
problem
statements
Digital and to
Marketing & introduce
Client Surveys 1 new products 3 2 2 1
Reference
generation
from existing
clients. and
revisiting the
lost clients as
well as those
clients who
we worked
on earlier but
Reference could not
Generation 1 convert. 2 3 3 2
Reduce Air
Travel for
L6M and
below; for
Mobile usage-
shifting from
postpaid to
pre-paid plan.
Tie-up with 1-
2 telephone
providers and
coming up
with a
negotiated
package ; for
local
conveyance.
Rather than
cabs, 2
wheelers like
Bounce with
a monthly
subscription
can be opted
by
employees;
Intermittent
switching on
and off of
A/Cs in
between;
shift to
smaller
office/co-
Cost working
Reduction 1 spaces 1 5 5 2
create a
WhatsApp
group for
exclusively
fleet owner
customers
along with
MMFSL CV
team. then
post the
insurance
related
updates , best
premium
quotes and
solve other
claim related
queries
through this
group . it will
INCREASE IN help us to
CUSTOMER increase our
RETENTION/C business
USTOMER volume.
SERVICE 1 3 2 3 2
1. Festival
season
wishes. 2.
Need
analysis. 3.
Welcoming
call and thank
customer for
opting us. 4.
Develop claim
hub as one
point contact
in state. 5.
Improve our
policy service
in MLS &
MAS. 6.
Building
relationship.
7. Creating
DATA bank
with referral
cases from
existing
customer. 8.
Improve our
CC Tele
calling. 8.
Health check
up camp to
our
customer's 9.
Improve
online policy
• serve and
Increase in awareness to
Customer customer
Retention about online
/Customer policy
Service 1 issuance. 1 1 2 1
Objective:
Optimum
utilization of
resources
Description/o
verview
Every day
morning
process team
need to
report the
number of
policies in
their hand for
the day to HO
and HO team
need to
consolidate
data and
allocate work
equally to all
the states
Benchmark
should set per
person for
the day by HO
By
implementing
this we can
improve the
productivity
of process
team and
additional
manpower if
any, can be
utilized for
supporting
other key
resource area
Pooling of for better
work- Process result
team 1 1 1 1 2 2
Company:
Marketing of
our products
through our
customers.
That means
our client
Testimony /
clients
success
stories,
photo, videos
are a great
way to
humanize our
insurance
brand
incorporate
user-
generated
content to
our social
media
marketing.
There will be
a reduction in
printing and
courier
charges.
Benefits to
Planet: Help
save the
environment
– help to
address and
spread
awareness on
the
precautions
to be taken at
the time of
natural
calamities.
Help us to
save the
trees, as we
Marketing need not
through print the
Social Media broucher/pa
and Its mplets.
Automation 1 1 1 1 1 2 2
should be
equipped
with more
retail
products so
that all retail
insurance
requirement
of the
customers
can be met
Field team
should collect
the data from
the customer
about the
other
insurance
renewal that
will be falling
due in future.
to capture
this data our
IT team need
to provide
some
mechanism.
This data
need to be
collated
centrally and
necessary
steps to be
taken to be
followed up
and covert in
our favour
with the help
of
CCC( Custome
r contact
centre). This
will result in
creation of a
big data base
which will
help us to
Cross selling improve our
and Data product mix.
Mining 1 1 3 1 1 1
creates the
potential
customers’
existence ,
Assists in
Managing our
Data ,
Reduces The
Task of
Manual Data
Entry,Smooth
er
Coordination
of Sales Team
Activities,Imp
roves Work
Efficiency,Pro
vides
Valuable
Business
Insight,Provid
es Accurate
and Timely
Forecasting,H
elps To
Quickly
Review
Data,Generat
es More
Leads,Helps
to Create a
Target
List,Helps To
Follow Up
Leads,It
Enhances
Your Online
Marketing
Campaign,Hel
ps Monitor
Progress of
Ongoing
Tasks &
Campaigns,Im
proves Field
Team’s
Productivity,It
Helps
Increase
CRM - All in Customer
One Solution 1 Retention 1 2 1 1
companies
and
finalisation of
product
-
Approvals
from MIBL
and the client
company’s
senior
management
for
implementing
the product
-
Coordination
with IT teams
for
development
of portal
Impact
(benefits):
-
Increase in
business and
hence an
increased
revenue for
MIBL.
- MIBL
will be the in
house broker
for all
insurance
requirements
throughout
M&M group.
- With
this product,
M&M group
employees
can afford
suitable
medical care
without
having to fall
MAS like back on hard
product for earned
full M&M savings
Group 1 2 1 1 1
MLS and MAS
renewals. Our
proposal is to
provide
Bluetooth
Printers to
MIBL field
team which
will bring
sovereignty
for premium
collection and
receipt
issuance to
the team
here.This will
help in
enhancing
our income in
these product
line by 70%-
80% for
Up/Ua and
will also
ensure
smooth
delivery to
the customer.
Our team will
be in direct
touch with
the end user
and any
increase in
our volumes
here would
also ensure
that we are
able to
convey
benefits of
our products
to more and
more
SELF customers.Illu
RECEIPTING stration of
OF MLS,MAS cost-income
& MOTOR analysis for
RENEWALS Up/Ua has
BY MIBL been mailed
TEAM 1 1 1 1 separately. 1 1 1 1
this 30k-35k
is of renewal.
By taking
lower side of
premium of
retail
personal
accident
policy Rs331/-
our income
will be
around Rs 50.
Our renewal
business
lower side is
30k by
multiplying
with income
of Rs 50 the
total would
be around 15
lakh in a
month in a
year 1.8cr
approx.
USP
In motor
policy
personal
accident
policy only
cover owner
of the vehicle
when he is
driving the
vehicle. Rest
time it is not
covered. But
in standalone
personal
accident
policy it cover
FROM all the
MOTOR accident that
(RENEWAL) happen with
PERSONAL the customer
ACCIDENT (standard
POLICY TO exclusion are
PERSONAL apply).
ACCIDENT
POLICY. 1 1 3 1 2 1
Organise
Knowledge
sessions
(webinars) for
stakeholders
of clients;
Online
orientation
session for
employers
and
employees of
that
particular
corporate
through zoom
calls instead
of just
sending
across in
mails; Access
to weblink for
endorsement
s processes
,online
uploading of
data by client
for new
using Online joinees for EB
Platform 1 1 Programs 1 1 1 3
Centralised
Ops team for
EB- Can
enhance the
value
proposition
for clients. so
that our team
can focus on
other services
for more
streamlined
experience ;
Centralised
teams for
wellness
programs,val
ue added
services,
employee
EB VAS engagement
Services 1 programs 2 1 1 2
Centralised
Ops team for
EB- Can
enhance the
value
proposition
for clients. so
that our team
can focus on
other services
for more
streamlined
experience;
this team will
takeover the
day to day
routine
additions/del
etions
endorsement
s/arranging
health id
cards to new
joinees etc.
this will
relieve the
local servicing
teams to
concentrate
Centralised on more
EB client
Operations 1 engagement 2 1 1 3
Pre-approved
premium
raters for non
EB retail
products,
defined
quotes with
the insurers
to avoid
underwriting
delay and
Pre-approved lead time to
Products of generate the
Insurers 1 quotes 2 1 1 3
Birthday
greetings to
senior
management
from our
team.That
particular RM
will call to
client after
our team sets
an automated
reminder
while
uploading the
client details
Birthday during
greetings to onboard in
clients 1 our portal 2 2 5 5
In these hard
times, we can
take the risk
of increasing
the sum
insured in the
existing
policy,some
terms we can
enhance, with
terms and
conditions
applicable.
Hardly 2-3
claims will
come but
customer will
remember us
for long term.
This will open
opportunity
for cross
selling and
references
Coverage also.
Enhancement privileged
s 1 clients 2 1 1 3
Common
updates in
the form of
messages or
videos can be
launched in
the app for
corporate
MIBL App 1 clients 2 2 2 5
Consolidated
Health news
letters along
with
proclaimed
mailers to be
sent across to
Client Mailers 1 our clients 2 2 2 5
One
repository
documents of
client. Login
credentials
and link to
Document access will be
Repository for shared with
Clients 1 the client. 2 3 3 5
Referral
reward
programs for
clients who
give us
references
and if we are
able to
convert the
Referral business of
Rewards to the referred
Clients 1 client 2 3 3 5
Updates to
Clients on Insurance
Market trends/news
development updates in
s 1 the app 2 2 3 5
to
connectivity
issues.
 New
data card
plan charges
– Rs 149/-
 No. of
users
consider - 700
 Approx
current
monthly cost
– Rs 104300/-
 Approx
annual
charges – Rs
1251600/-
Considering
the above
situation if we
plan to
change
around 70%
of employee’s
data card we
new Reliance
JIO data plan
below would
be the
savings.

Monthly cost
saving would
be around Rs
70000/-
 Approx
annual cost
saving would
be around Rs
840000/-
ULIMATE
COST SAVERS 1 1 2 2 2
on of Dental
and
Spectacles
benefits for
FY 2020-
2021.
It is observed
that around
75-80% of
employees
avail the
above
benefit. Even
if we consider
that around
60% of
employees
are availing
the above
benefit the
incurred is
mentioned
below which
can be saved.
Total
employees
consider
claiming the
benefit – 708
(60% of
current
strength)
 Approx
annual cost
saving would
be around Rs
24780000/-
In case we
consider
employee
nos. on
higher end
the cost for
the same will
increase.
ULTIMATE
Option: 2 –
If WFH
solution is
feasible even
with 80 %
efficiency,
recommende
d this solution
to be
considered on
permanent
basis.

Monthly cost
saving for
both offices
would be
around Rs
2000000/-
 Annual
cost saving
for both
offices would
be around Rs
24000000/-
Here both the

locations we
have
considered
the cost
approx Rs
220000/- PM
for small
setup of
Training
centre for
Tele Callers
(Including
Support
services),
which can be
also used for
Team
meeting once
in a week or
need base.
ULTIMATE
We have a
suggestion
from our
team, every
time we have
called our
customer and
goes to
customer
house for
collecting the
premium
that's why
our traveling
expenses
become
huge. If we
send renewal
(MLS, MAS
and motor)
reminders to
customer and
also share the
premium
details and
payment link
through SMS
then it will be
more cost
saving and
also we can
create our
good
impression to
the
customers
with adding
our brand
value.
Chances of
rejection
would be less
and we will
ensure our
IMPLEMENTA online
TION OF assistance at
ONLINE any point of
PROCESS 1 time. 1 2 2 1
To provide an
online link for
MLS Renewal
customers
that will help
us to reduce
expense
which we
have shared
with MMFSL
team as well
as make our
control
instead of
MMFSL team.
Also with
need to
implement
few Insurance
companies
for self
inspection
option at the
time of
breaking
renewals of
the
commercial
vehicle
customers as
we have only
one option in
Sajhedari
portal.
It will save
time for the
POSP and he
will be
showing
some interest
to generate
DEVELOP more
BUSINESS business.
MODULE 1 1 2 2 2
the loss site
iv. Dealing
with M&M
Team
v. Dealing
with MMFSL
& MIBL Team
vi. Dealing
with
Mahindra and
Non
Mahindra
Dealers
vii. Dealing
with
insurance
company
/SPOC
viii.
Surveyor’s
meet at
dealers
ix. Sharing
of the MIS
x. Regular
training to
the dealer
team on
complete
usage of the
related tools.
xi. To
discuss with
the insurance
companies
and pre-set
least
documents
list
xii. To be
able to take
help of the
local Govt.
Officials
P.S/RTO
xiii. Record
Disaster data for
Management salvage
Team for buyers/ RTO
Claims agents.
Support 1 1 3 2 2 3
advertisemen
t in news
paper,social
media,short
break (while
watching on
you tube
videos
advertisment 1 1 etc),hordings 1 2 2 1
in this time
covind 19
corona Virus
in the word
and in India.
So i have plan
with
subordinate
Mr.
Shailendra
patel cost
saving in tour
and stay.
in the coming
time/days any
dealer point
visited by
both of us will
go together
and an
arrangment
of PG room
will be made
to stay with
arrangment
kitchen
ingredients
and making
food himself
and rest on
PG room.
That way we
don't claim
hotel bill. So
that our
company
expense ratio
is not
Increase.
COST SAVING 1 Thanks. 1 2 2 4
Customer
should have
the facility of
installation in
INCOME 1 insurance 1 1 1 1
done an
analysis for
F20 and
below are the
findings:
- If we
freeze the
option as
single
premium
option for
finance
amount upto
Rs. 5 Lac than
the number
of cases
covered
under single
premium
option will
increase to
446104 the
ratio of single
premium
cases will
increase
directly to
78% directly
from the
current 29%
- The
Income will
rise by
approximatel
y 1.19 crores
- Also it
will reduce
the cost of
calling the
customers for
renewals and
the same
strength
Proposal to being used
freeze Single for MLS
Premium renewal
Option for calling can be
MLS upto a utilised for
particular Motor or
Finance MAS.
Amount 1 1 1 1 1 2 1
requirements
can be as
follows:
o Product
wise
o CH wise
o DM
wise
o ABM
wise
o
Executive
wise, etc.
- An in
depth
analysis is to
be provided
to field team
to help them
focus in
specific areas
wherein the
take-up
needs to be
increased.
Impact
(benefits):
-
Increase in
take-up and
therefore
increase in
business and
income for
MIBL. Also
increase in
MLS take-up
will be
beneficial for
MMFSL for
securing
more assets.
- The
field can work
Productive on a non
analysis for performing
increasing specific area
MLS & MAS based on
takeup 1 1 analysis. 3 2 2 2
The idea is to
reduce the
mobile
reimburseme
nt expenses
in a fix or
proportionate
amount ( e.g
rupees 500
fixed or 10 %
or 20 % of
monthly
Mobile expenses
Expenses 1 claim. 1 1 1 1
Expences
Should be link
to Income, ie
Cost Patorl exps &
Reduction Travelling
Measures 1 exps. 1 2 2 2
We can
prefer all our
business with
high payout
business
partner.ie.
where we are
Preffering getting
high payout highest
Business payout
Partner 1 immediately 4 2 2 2
Currently we
have
launched our
Micro Bachat
policy of LIC
which can be
beneficial for
our
customers in
a long way.
If we
approach all
of our
customers at
the time of
Motor
Renewals for
the product
and as a
savings
product this
policy might
get beneficial
for them.
We can offer
them the
policy with
the renewals
by adding
some
additional
discount to
Motor
Renewal and
make them
understand
about the
benefits of
LIC Micro
Bachat.
In this way
we can earn
additional
income for
Idea of the company.
income 1 4 3 2 3
Health
insurance
policy selling.
By this way
our outside
work can get
covered by
insurance co
manpower
and we can
earn
additional
income
through cross
selling while
stay at office.
We just have
to perform
the role of
the bridge
Between
customer and
ins co
manpower.
Also we can
effectively
utilise MMFSL
collection
team for pick
of Motor
Renewals as
they are now
our own posp
and they have
got additional
benefit of
incentive
whether the
vehicle was
funded by
MMFSL or
Not. We have
to motivate
them and just
make them
understand
the incentive
opportunities.
COSTING 1 1 2 2 3
We can focus
on micro
products for
cross selling
which are less
in price and
having large
reach in
public.With
existing
policies we
must sell
products like
health
policy,pa
policy,medicl
Cross selling aim policy
Micro ,non motor
products 1 policy. 4 3 3 2
1. Need to
develop an
App through
which we can
give PA policy
to every MIBL
customer or
any individual
on the spot
with online
payment
mode.
2. Need to
develop
payment link
for MLS
Renewal and
Non IHM
customers
just like MAS
from which
we can do
MLS
Renewals
instantly
without
Income visiting the
Generation 1 customer. 2 3 2 1
properly the
unsecured
and live data.
If we gave the
data to our
trusted posp
and maintain
a close
monitoring
on it and if
they succeed
to secure
Renewal from
the data then
it will be a
great source
of income for
us.
On the other
hand we must
motivate the
posp for our
LIC Micro
Bachat policy
and Health
policy of
other ins co
for selling. By
selling this
product they
can enjoy
handsome
incentives
from MIBL
apart from
Motor
Insurance.
So I think
motivation
and close
relationship
with
Independent
posp can lead
to us
additional
income
generation.
INCOME 1 1 2 2 3
Apple season
is going to be
start and we
cant do
Transit transit
insurance 1 insurance. 4 3 3 2
1. Company
Should retain
all Dongles to
save
unnecessary
cost. Internet
can be used
though
Hotspot also.
2. Mobile
Limit should
be revised at
every grade
to save
expense
instantly.
3. For MLS
and MAS
Mega contest
we can give
cash/shoppin
g vouchers
instead of
International
and Domestic
trip and that
money we
can add to
our Company
Income.
4. No fuel
expense
should be
reimburse to
employee for
HHD case
Save Money 1 done by him. 1 2 2 5
The idea is to
launch MAS
product for
MRHFL
customers.
Action Plan:
-
Approval to
be received
from MRHFL
senior
management
for
implementing
the product
-
Integration of
rate card in
MRHFL
system
- Launch
of product
Benefits:
-
Increase in
revenue for
MIBL as the
MIBL
retention
customer
base will
increase
- MRHFL
will benefit as
their EMIs will
not be
MAS product defaulted
for MRHFL
customers 1 2 1 1 1
We have
noted that
MMFSL loan
customers
default on
their EMIs
due to
hospitalisatio
n of their own
or their family
members.
The addition
of this rider in
MAS will
ensure that
the EMIs are
not defaulted
as they will be
paid by the
insurance
company.
Action Plan:
- Getting
quotations
from existing
insurance
company and
compare with
other
companies
Impact(benefi
t):
-
Increase in
revenue for
MIBL as well
as business as
the customer
base will
increase.
- MMFSL
will benefit as
Additional their EMIs will
EMI Protector not be
Rider to be defaulted.
integrated in
MAS product 1 1 2 1 1 1
We
recommend
for
centralised
placement
cell at HO to
monitor &
networking
with all
placement in
order to have
better
negotiation &
control over
Industry best insurers
practice 1 1 2 2 2
Non motor
policies
through
SAJHEDAARI
by our POSP
should be
included to
generate the
Income
policies like
Fire
policy,Health
Policy,Housek
eeping
Insurance etc.
INCREASE By adding this
POSP part our MIBL
INCOME income &
THROUGH profit will be
NON MOTOR at a new
POLICY 1 height. 1 1 2 1
contracts
from MMFSL
IT team
- Sharing
required
product
features with
insurance
companies
for getting
the
quotations
-
Comparison
of rates
received from
insurance
companies
and
finalisation of
product
-
Approvals
from MIBL
and the client
company’s
senior
management
for
implementing
the product
-
Coordination
with IT teams
for
development
of portal
Impact
(benefit):
-
Increase in
revenue for
MIBL
-
Decrease in
Launch of dependency
retail product on MMFSL for
like MAS for business
Non MMFSL
customer 1 2 1 1 1
plan ,
Maximum
Service
Provider
already
restructure
their Plan.
And as per
new plan
increased
maximum
Data & Talk
time with
lower price
for their
Customers.
Minimum bill
of postpaid Rs
400 to Rs 500
but if we use
prepaid plan
then it
decrease to
Rs 250/- to Rs
300/- (per
day 1.5GB+all
call free in
India is
28days ,plan
come to
Rs249/-) by
this plan we
save almost
Rs150 per
head. And
also local area
wise Hotspot
Dongle need
to used for
Better
Network. It
will be reduce
network issue
and
employees
have to
provide
better service
to dealers
• Mobile and
Expense 1 Customers. 1 2 2 1
on of projects
in presence of
their touch
points pan
india level
3. Cross
learning
opportunity
on single
platform for
all the stake
holders
through Q&A
sessions
4. Flexible
in nature as it
allows to
connect on
mutually
agreeable
time on short
notice and
also allows
large
audience
using digital
platform
5. Allows
to arrange
module wise
training
whenever
requires for
phase wise
roll out of
products &
processes
6.
Using digital Increases the
platforms for skill sets of
training of MIBL
touch points employees in
for Business terms of
initiation & imparting
business training
processes through
implementati digital
on during platforms
Covid
Situation &
Beyond 1 1 1 2 1
The team
bonding
would
increase and
there would
be more
focus on
winning
together and
not working
in silo.
All
parameters
like sales,
placement,
servicing,
administrativ
e
performance,
achievements
and expenses
would be
clearly
earmarked
enabling all to
strive for one
common
goal.
When all
small units
start focusing
on
profitability
there is
bound to be
an increase in
income.
Leaders
would play an
important
role in linking
the smaller
units
together...
evaluating,
motivating
Multiple and guiding
Profit Centre 1 forward. 1 2 3 2
team we can
take help
from the local
team with the
assurance of
30% revenue
sharing with
the local
team.
Reduction of
fixed cost like
Rents,
electricity,
internet,
office
expenses,
etc.: Make
remote
working
comfortable
for
employees,
Strong IT
support for
hardware and
software.
Designing of
new
products:
Small
Business
Package
policy, we can
target MSME
organization
with our
existing
channels and
it can be
scalable with
the support
of MMFSL
because of
their business
model and we
can do this
with win-win
Office Away situation.
From Office 1 1 1 1 1
'FASTAG” is a
site through
which the
toll-tax is paid
online now-a-
days'.
For ex:- If a
person is
traveling from
indore to
Bhopal and in
between he
has to pay the
toll-tax
through
‘FASTAG’ ,
then our
company will
provide death
insurance
cover as per
seating
capacity of
the vehicle
for the area
of travel for
what he has
paid the tax.
This cover will
provide
benefit
against
uncertainties
which leads
to death.
Once the
‘FASTAG’ area
gets over the
insurance
cover will not
be applicable
anymore.
I am sure this
idea will
surely
increase the
revenue of
our company.
'FASTAG'
ACCIDENT
COVER 1 1 1 1 1
1. Work
from home
should be
continued as
a new
working
model &
current office
should be
vacant. This
will assist in
saving the
cost on
various
parameters
such as Rent,
Electricity &
Water bills,
Parking
Charges &
other
miscellaneous
expenses. If
required
Office space
of Mahindra
Finance can
be used for
some
unavoidable
situations.
2. Should
go away with
Data card
(Dongle) as
most of us
would be
having Wi-Fi
at our home
or a separate
mobile sim
card can be
bought only
for internet
purpose.
Reduction in
Fixed Cost 1 1 1 1 1
Need to new
tie-up with
others
Manufacture
2 wheeler,
electric
vehicle &
Tractor, Like
Bajaj, Honda,
Sonalika
Tractor,
Escort
Tractor, ect.
still now in
tractor others
manufacture
there no tie
up with any
insurance co
or brokers co.
if we tie up
with tractor
others
manufacture,
then our
business is
increase. and
also tie-up
with others
manufacture
logistic and
warrantee
corporate tie-
up, It will be
help to
New increased our
manufacture business
Tie-up 1 1 portfolio. 2 2 2 3
A MIBL's
SPOC known
as 'Insurance
Relationship
Manager'
should be
appointed to
build good
relations with
all Insurers in
industry by
frequent
meetings and
discussions
which will
help get
better
premium
quotes for
renewals.
This will also
help in having
prompt
responses
from insurers.
This will
benefit us by
1. procuring the
Appointing of best quotes in
IRM market which
(Insurance is key to
Relationship retain the
Manager) 1 client. 1 2 2 1
A month
before the
renewal, we
submit a
review
manual to the
client. It will
include the
services
provided to
the client
during the
whole year
and if
possible TAT
can also be
shown. This
can be
contract
reviews,
claims
settlements,
endorsement
s etc. This
docket will
help the
CXO’s in
creating
better
awareness
about the
work done by
us
throughout
the year.
Also, this will
help us in
creating a
good
impression in
case the
insurance
manager has
changed or
the duties
Service have been
Review assigned to
Manual 1 someone else 3 1 2 4
if we are
arrange to
maximum
code open in
employees
Sub Location,
then MMFSL
&
Independent
both are help
to closed
maximum
Lead in that
location and
Employee can
• MMFSL save his/her
& time as well
Independent as Traveling
POSP Code Expanse or
open in Sub Petrol
Location 1 1 1 Expense. 1 2 2 3
Depending on
the industry
and Size :
Creating a
Bench-
marking
report as
MIBL on an
organizational
level .
Objective :-
1.) To have
this as a data
base to
present it to
our client .
2.) It will help
prospect and
existing client
to give an
idea of the
market
practice for
better
understandin
g of the risk .
Result :-
Will fasten
our process
for presenting
our-self as
Insurance
specialist and
will help in
designing an
Bench- effective
marking for insurance
all Products program .
industry-wise 1 1 4 1 2 2
Market
Research.
ii) Also,
creating
database of
Prospect
Corporate
client from
Existing Client
base like
a) List of
MDs or CXOs
from our
retail
database
b)
Research on
vendors /
Clients of our
existing
corporate
clients
This would
require
Skilled Team
and Robust IT
ecosystem
(integrated
with CRM
etc).
Used with full
potential it
would
naturally
increase the
business
volume and
income for us
because we
would be
reaching out
to many more
prospect
clients in
comparison
to what we
are
approaching
Saraathi 1 now. 2 1 2 2
eventually
adding to our
revenue
● The
policy sell can
be
incremented
5% monthly
in order to
further
increase the
income
● This
will also
increase the
reputation of
MIBL as a
brand.
● MIBL
will penetrate
into all types
of Insurance
markets and
products
Benefits
● This is
lead to
additional
earnings for
the company
● MIBL
can be
projected as
an all rounder
in the broking
industry
●
Employees
get a chance
to earn
incentives
● No
additional
cost as our
reach and
customer
base is
already there
to be
explored
JEEVAN DRIVE 1 3 1 1 1
with insurers
for all lines
including
health
policies
considering
the total
business
placed by
MIBL on Pan
India basis.
3. As a
broker we
should come
up with some
innovative
product
which is
currently not
available in
the industry.
For eg.
Considering
the current
COVID-19
situation if we
can design an
exclusive
Group or
Retail health
product
which should
cover the
Home
Quarantine or
lose of Job
compensatio
n then it will
certainly
increase the
volume of
business.
4.
Extending
MAS and MLS
types of
policies to
Employees of
Sab Ka Sapna Corporate
Money clients also.
Money 1 4 1 1 1
An employee
who is
responsible
for retention
of Clients
should also
be given role
to do cross
selling of
other
products
available with
MIBL.
Employee, at
the time of
renewal
when
approaches
the client,
should
understand
the other
needs of
insurance of
client and
accordingly
offer and
pitch for
other
products. A
detailed PPT
explaining all
the products
should be
presented to
client. This
will create an
impression to
client that
MIBL can be
the one point
contact for all
insurance
needs and
there is a
single SPOC
(Retention &
RCS - Cross Selling
Retention and Manager) to
Cross Selling 1 1 co-ordinate. 1 1 3 1
1.
Creating
audio-visual
guides for
current
situations like
COVID-19.
2. Take
help of our
customer
care centre to
reach out
employees in
worst
affected areas
for their well
being.
3.
Bursting
myths
revolving
around
lockdown/fin
ancial
situation/new
normal
definition via
arranging
various
webinars or
sessions with
industry
leaders.
4. Using
web portal to
develop link
in association
with govt.
website to
update the
clients on real
Customer situation
Awareness 1 4 2 2 5
Curb Travel
Expenses and
Cost Move to
Reduction Online E-
Measures 1 meetings 1 1 3 3
POSP doing
business
between 2.5
lakh to 5 lakh
will get 15 %
payout on OD
premium
POSP doing
business
above 5 lakhs
will get 17%
payout on OD
premium.
Benefits:
POSP will get
motivated
though higher
payout by
doing higher
business.
For remote
location will
collect
premiums
through POSP
so business
will increase.
Travelling
cost will save
Man power
cost at
location
business will
improve
through
POSP.
POSP
enrollment
numbers will
increase due
to
competitive
payout.
Due to higher
business we
get maximum
data of
1) POSP customers for
Payout slab future
according to renewals
Business 1 1 base. 1 1 1 1
the need and
offers
insurance
solution
-->closes the
loop with
successful
sale -->details
go into CRM
database for
renewal call
next year
-->original FSS
sector
employee
who referred
gets a gift for
successful
referral.
b) MIBL can
leverage
individual
contacts MIBL
employees to
set up Kiosks
at different
Mahindra
Group
companies, it
can be used
for
generating
leads form
group
employees or
referrals from
group
employees
for multiple
insurance
products
(successful
referrals
attract a gift).
Kiosks to have
BUDDIES@MI one stop shop
BL- Lead Our for insurance
Growth, solutions.
Expand Our
Family 1 4 1 2 2
There should
a dedicated
SPOC who
would be
having the
Claims and
enrolment
depository
and will do
the timely
analysis of
claims and
member data
and will
provide
dashborads
to renewal
team, Audit
Team &
Management.
This will help
in
understandin
g the business
positions,
income
earned,
claims
settlement
ratio of
overall
company . we
would be
having all
data required
Dedicated by client
MIS SPOC 1 1 handy. 4 1 4 2
We need to
make all our
customers
feel valued by
way of
communicati
on. The best
can be use of
IVR calls in
multi lingual
languages
with the
option direct
calls to call
centre. This
will prioritize
the calling
work done at
the CCC
increasing
productivity
and reducing
cost. IVR Calls
or sms on
special days
would help in
building a
bond with the
Use Proactive customer and
customer hence
touch points 1 1 retention. 1 2 3 2
Ramjan Eid
etc.
4. Digital
broachers we
should send
to customer
monthly basis
through sms,
whats up and
email to
customer so
he will keep
in touch with
MIBL whole
year.
Benefits
Customer will
get educated
about policies
that will help
him to make
claim and
about
exclusions
this will
reduce
escalations of
issue.
This improve
moral and
trust on MIBL
of customer.
At time of
renewal
hassle for
conversion
for renewal
will get
reduced.
Our costing
on courier,
standee and
paper will
save due to
digital way of
marketing.
Advertise and This will also
keep in touch help for
with all greener and
Customer in pollution free
digital way 1 1 environment. 1 1 1 1
Whenever we
use public
transport
(Ola, Uber,
public bus)
for
unofficially
trip or visit a
customer, a
corporate
client or firm
official, we
share our
visiting cards
to that
driver/co-
driver of the
public
transport or
that
individual
customer or
that
proprietors,
so that in
case of any
insurance
requirement,
they can
easily contact
us or share
Extended use our contact
of our Visiting no. to their
card 1 1 colleague. 2 1 2 3
basis.
Benefits
This make
consistent
year renewal
of customer
assuring MIBL
and executive
secured
income.
For example
in Pune
region there
is PCV
business
month about
100 vehicles
so if we
consider Rs
25000/- per
vehicle
premium this
will ensure
our monthly
business of Rs
25 lakhs.
This product
will help to
commercial
customers
like tours and
travels, GCV
and tractors.
Mahindra will
get there
asset secured
against loan
so NPA ratio
will reduce.
Compulsion Also we can
of Asset ask customer
Suraksha to clear
product pending EMI
(Compulsory to get policy
Motor Policy this help to
on EMI) for clear MMFSL
Mahindra ageing
Finance borrowers.
Commercial Portfolio
Vehicle quality will
Customer 1 1 1 1 get improved. 1 1 1 1
We should be
taking broker
login from all
insurers and
this login
page should
facilitate
generation of
all renewal
notices,
premium
calculations,
claim data,
policy
issuance, etc.
The data
must have all
details of
business of
MIBL with
that
particular
Insurer. This
will help in
reconciliation
team ,
Procurement booking team
of Broker and renewal
Login 1 team. 4 1 1 2
CUG plans for
all
employees.
MIBL should
own all
employees’
tel numbers
and manage
them
centrally,
thereby
controlling
cost. This
could result in
a saving of
35-40 lacs
annually
considering
that 50% of
our
employees
phone bills
could be in
the above
range
whereas the
plans
currently
available are
in the range
of 150-200
In case
managing this
is considered
tedious, we
can ask all
employees to
purchase
plans in the
range of 150-
200 and limit
the
reimburseme
nt to Rs. 200
per month
Company considering
managed that these
mobile plans are
connections easily
ffor all available in
employees 1 the market 1 1 4 3
MLS and MAS
and asked
why it not has
been
informed at
the time of
loan.Our
suggestion is
that After
Loan approval
of Mahindra
Finance,If we
arrange a
Welcome call
from our HO
about this
two
product(Call
to thouse
customers
who have
taken this
product) and
brief the
facility of
these
products
which they
have taken
like MLS or
MAS OR
Both,so that
customer will
aware about
this product
which they
have taken.At
the time of
renewal it will
much easier
to do
retention and
customer will
not tell us
that he did
Increase in not know
Customer about this
Retention product.Also
/Customer real time
Service For claim will be
MLS and MAS 1 1 happen. 2 1 3 2
program for
them where-
in they can
refer their
friends/relativ
es for
new/renewal
business. We
can organize
either virtual
or physical a
training
program for
them and
train them on
our insurance
products
All our claim
customers
can act as our
brand
ambassadors.
They can
influence
people easily
since they
have already
experienced
our services.
This initiative
can help in
generating
new business
as well as
renewal
business.
These claim
customers
themselves
do the
renewal for
their policies
which they
have taken
from us. Also,
they can push
people for
renewal to
Our satisfied whom they
customers as sell the
PoSPs 1 1 policy. 3 1 1 2
More
marketing
and branding
to be done
across all
prospect
customers to
make them
understand
the role of
MIBL as
broker. We
can arrange
for wellness
activity,
distribute
souvenir with
MIBL's name
embossed on
it, circulate
awareness
videos , etc.
MIBL's service
and wide
arrange of
products
offering
should be a
well known
MIBL factor in
Branding 1 market. 4 2 2 2
Admin team
to share list
of all vendors
with whom
we are
providing us
some service.
Based on the
vendor and
his
profession,
they should
be contacted
and offered
insurance
solutions
(individual
and
commercial)
suitable for
Improve SME their line of
Business 1 work. 3 3 3 2
we should try
to take Group
Exclusive
Mandate
from
Mahindra &
Mahindra
Company.
This help us
retain all our
corporate
customers
and also bring
back the
corporates
Group who are not
Exclusive with MIBL
Mandate 1 1 currently. 4 1 2 1
Due to the
work-from-
home culture,
Clients and
Employees of
MIBL might
feel a sense
of drifting
away. It is
essential to
keep Clients
involved by
sending them
periodic
newsletters
abut financial,
regulatory
and economic
impact of the
lockdown
situation. A
video-address
by SMC
members
might uplift
the drive of
the
employees
while
maintaining
the same
sense of
belonging and
commitment
to
Organizationa
l Goals, as
they did
during the
pre-lockdown
'Office
culture'. Both
these
initiatives will
Instilling and enhance
enhancing employee
sense of motivation
belonging to and client
MIBL family 1 1 1 engagement. 1 2 2 3
Inviting Major
Corporate
clients for an
annual meet
Objective :-
Will help in
Customer
Engagement /
Visibility
/Retention
and also to
portray MIBL
strengths .
Will Improve
Client Focus
towards MIBL
Result :-
Will enable
Customer
long term
relationship
and in
knowing each
Focused other by
Corporate sharing
Client Annual market
Meet 1 1 1 information. 4 1 2 1
Introduction
of B2B2C
model
focusing on
Retail Covid
Only, Retail
Health/
Parents only
& retail
Motor
policies for all
Money Maker Mahindra
and Industry Clients/
Shaker 1 Contacts 4 2 1 1
increase the
growth in the
revenue. The
expenses
which will be
saved from
WFH idea,
can be used
in
Incentivizing
the
employees
which will
motivate
them to close
more
business on
monthly
basis. With
this program
employees
will get
benefited
with extra
money in
these tough
times.
We can also
try sending
IVR message
to all MLS and
MAS
customers in
regional
language (it is
very cost-
effective).
The
customers
who show
interest, the
CCC can call
them and
convert them
easily, either
by sending a
payment link
or by having
Improve MLS them met by
and MAS the regional
renewal % 1 team 2 2 3 2
Region/ State
wise Lead
generation
through
Reinsurance
Team. RI
Team to pass
cedant
Facultative
business lead
Golden Egg to respective
Producers 1 local team. 4 1 1 1
Monetering
and Gauging
change in
customer
demands to
help us to
prepare for
Monitoring the NEW
and gauging challanges in
changing new
customer NORMAL.
demands and Effective use
using digital of digital
means to media to save
address them 1 1 1 cost 1 2 2 2
Generating
income
through
Reinsurance
Placement by
liasoning with
Domestic/
Mid size
Insurance
Brokers who
do not have
reinsurance
license and
helping them
in
Profit Reinsurance
Magnate 1 1 Placement 1 1 1 1
Home at least
for the next 6
months which
will lower the
risk virus
transmission
and also
property
expenses can
be cut down
relatively to
0%. The
continuation
of WFH
should be
forecasted
basis the
situation of
pandemic or
company's
revenue
generation.
Out of the
two floors
occupied by
MIBL at HO,
the 4th floor
should not be
opened at all.
This will
result in
cutting down
company's
expenses like
electricity,
rent,
reimburseme
nt(travel &
food), etc. It
can also
impact on the
employees
well-being as
they will be
cutting their
travel time,
safety from
virus
Work From transmission,
Home 1 etc. 1 3 3 3
from the
competitors.
Encouraging
and opting for
digitalized
payments
methods like
Google pay as
they have
gained
popularity.
This will assist
not only in
having more
secure
transations
and record
keeping but
also in
reducing turn
around time
in issuing
policies.
Providing
clients with a
news letter to
update them
of the
changes in
Regulatory,
Fiscal and
Economic
parameters
affecting the
Insurance
industry to
remain
proactive.
Periodically
addressing
the
employees to
enhance the
sense of
belonging to
the MIBL
Family, thus
inducing
motivation.
ReSustain 1 1 1 1 1 1 1 1
PACKAGE /
REWARD
POINT WHICH
HAVE SOME
MONETARY
VALUE. IN
MEGA
CONTEST
EMPLOYEE
LOOSE
MOMENTUM
WHEN THEY
COME TO
KNOW THAT
THEY ARE
NOT NEARBY
WITHOUT
LEADS TO
STAGNATION
OR DIP IN
TAKE UP BUT
BY USING
COUPAN /
PACKAGE /
REWARD
CRITERIA
THEY WILL
REMAIN
MOTIVATED
TO BE THE
WINNERS
EVERY TIMES
BY
MAINTAININ
G THE
HIGHEST
TAKE UP .
THIS WILL
IMMIDIATELY
INCREASE
OUR TAKE UP
BOTH FOR
MLS MAS ,
FAMILY
FLOATER
ELIGIBILITY & WITH
PRIZES INCREAE IN
CHANGES IN INCOME
MLS MAS DRASTICALLY
MEGA IN EVERY
CONTEST 1 BRANCHES. 1 1 2 1
post renewal.
This will
display a
good post
renewal
service of
MIBL.
Conducting of
Review Meet
– to be
scheduled
monthly ,
quarterly or
half yearly as
per client.
They will be
shown the
claims
summary,
member data
analysis,
Claims
graphing by
broker &
procure
feedback
form. This will
help
understand
client’s
expectation
for next
renewal.Com
pany value
Added
Services –
Wellness
activity and
other benefits
to be planned
well in
advance for
whole year
and to be
conducted on
timely basis.
Call Centre –
Toll free
Building number to be
Customer available
Relatioship 1 24/7. 4 1 2 2
month
Cost involved
for stay &
travel Annual
Cost
CCM meeting
with the
Dealers 4
4
24000
288000
Meeting with
insurer for
review 4
1-2
5000 60000
Training for
channel
Partners 5
1-2
5000 60000
expenses
/state/year
408000
Total Costing
= 20 (No. of
states)*4,
08,000 = 81,
60,000 /-
We are
strongly of
the opinion if
we use the
technology
effectively,
we can trim
down the
outflow costs
radically with
immediate
effect.
As claims
team we
believe as
rightly said
Adapting to - A penny
the new saved is a
Change – penny earned
Virtual Reality 1 1 1 1 1 1
we can create
an online
platform/and
roid app for
our field
team/back
office team so
that they can
send Motor,
MAS & MLS
renewal link
to customer
mobile no.
directly,
where
customer can
check and
compare the
premium and
pay the
premium
amount
through UPI,
credit/debit
cards or other
wallet apps
which
minimize
local
Digitilisation expenses as
of insurance well as
premium cheque
collection 1 1 bounce cases. 1 1 1 1
village.
This facility
will also help
to collect the
motor
renewal
premium
( MMFSL HPA
cases),MLS
and MAS.
Looking the
current
market
situation this
idea will help
to Cost
Reduction
Measures.
Points are
mentioned
below:-
1. Travel
cost
reduction
2.
Customer
reach
3. Time
saving
4. Faith
and Trust
building
5.
Customer
Satisfaction/S
ervice
6. This
facility will
help to
Motor, MLS increase 5
and MAS MLS and 5
Insurance MAS and 3
renewal Lac NP motor
premium renewal
collection premium per
through E- BDE per
Mitra for month
MMFSL
customer 1 1 1 1 1 1
Tying up with
a Business
risk Analyst
who can do
an analysis of
clients own
business .
Objective :-
Customer
Value added
Service
Will help in
Insurance
Budgeting
Result :-
Will help
client in
understandin
g their own
business
Risk / loop
holes for
financial
soundness
/Financial
Projection-
Clients Own Predictions
Business for next 3
Analysis 1 1 1 years 4 2 1 2
THE
COMPANY
SHOULD
LAUNCH ITS
OWN HEALTH
POLICY
WHICH
COVER
HEALTH
COVERAGE
LIKE MAS
WITH
COVERAGE
OF COVID 19
IN SLIGHTLY
LESS
PREMIUM
FROM
OTHERS, ALL
EMPLOYEES
AND
MAHINDRA
GROUP
CUSTOMERS
SHOULD
HAVE A
POLICY FOR
EVERYONE .
HOSPITAL TIE
UPS SHOULD
BE DONE ON
DISTRICT
LEVEL ,
THE
COMPANY
SHOULD
HAVE ITS
LAUNCH OF A OWN BANK
OWNED CHANNEL
HEALTH WHICH WILL
POLICY AND BE HELPFUL
STARTING OF IN REVENUE
BANK GENERATION
CHANNEL 1 1 1. 3 1 1 1
going to see
new heights
as per survey
due to
COVID-19
issue. We can
help create
insurance
programs at
such dealer
outlets or
MFCW.
9- We can
run a refer
and earn
program and
incentivise it.
Action Plan or
Execution:
1.
Regional
teams will
start with
their best
customers
2.
Perform
Quarterly
Business
Reviews
3. Create
a Customer
Case Study
and
homogenize
like
customers
4. Offer a
Trial
5. Offer a
Discount or
Incentive
Program
6. Tell
Them They
Need It
7. Sales
Team
Incentive Plan
Cross Selling 1 3 2 2 2
RIGHT NOW
WE ARE
SHARING THE
RENEWAL
MESSAGE
WITH
CUSTOMER
WITHOUT
PREMIUM
QUOTE.
START
SHARING
MESSAGE TO
CUSTOMER
WITH
PREMIUM
QUOTE OF 3
OR 4
COMPANIES.
SO THAT
CUSTOMER
COMPARE
THE
PREMIUM
WITH OTHER
COMPANIES
INSTANTLY
AND CAN
RENEW HIS/
HER POLICY
INSTANTLY
WITH ONLINE
CUSTOMER PAYMENT
RETENTION 1 MODE 1 1 1 1
Like MLS &
MAS we
offering, we
also design a
product for
Health
insurance
top-up and
Pure Death
cover policy
for Covid-19.
In this
pandemic
situation all
our group
employees
understood
that the Sum
insured in
GPA and GMC
is not
sufficient,
hence they
searching the
alternate in
market, this is
the right time
to support
our group
company
employees,
its our
responsibility
too.
Also this can
New Product be shared as
for Customers a message to
and our them with a
Group link which
employees - enable them
Health to pay online
Insurance top wherein the
up plan & premium can
Pure Death be debited
Cover Plan for from salary
Corona 1 also. 4 1 1 1
(just like
nobody wants
to write
Scorpio).
5- We can
apply a
capping say if
policy i)
having NCB –
normal
discounting
rates
applicable ii)
not having
NCB –
discount not
more than
50%.
6- Or we
can promote
NCB
protections
add on to
such
customers;
this will help
boost the OD
premium.
Advantages:
1-
Reduction in
claim ratio
2- OD
portion will
be high so
brokerage will
be high
3- Overall
motor
premium will
be high
4- ICR can
be controlled
5- At the
end a
satisfactory
customer
associated
NCB Based with us.
Renewal 1 2 2 2 2
Incentivize
sale of
standard
products by
our
employees -
Incentive
schemes can
be run for all
our
employees
for insuring
relatives/neig
hbours/friend
s and so on in
their area for
standard
motor/health
products (Not
MAS/MLS).
Referral
schemes can
be run for
desk
staff/back
office staff
Sale of who can refer
Standard potential
Products customers to
through the sales
employees 1 team. 3 2 3 2
FOR
MAXIMUM
CUSTOMER
SATISFACTIO
N.A
SATISFIED
CUSTOMER
WILL WORK A
BRANT
AMBASSADO
R FOR US &
WILL HELP US
EVERY TIMES
TO INCREASE
OUR
PRODUCTIVIT
Y & REACH
ALL ACROSS .
WE SHOULD
START SOFT
CALLING TO
ALL OUR
CUSTOMER
FROM
MMFSL &
MIBL BASE
FOR
MINIMUM 3-
4 TIMES
DURING THE
POLICY
TENURE.
FIRST WITH
WELCOME
CALL
FOLLOWED
BY SERVICE
,AVAILABLE
PRODUCT OR
ANY
REQUIREMEN
T. THIS WILL
KEEP OUR
CUSTOMER
CONNECTED
TO US & WILL
INCREASE IN HELP US A
CUSTOMER LOT IN
SATISFACTIO CUSTOMER
N INDEX RETENTION &
-CAPS 1 1 SERVICE. 1 2 1 2
pager email
with all MIBL
products -->
response on
sent emails to
be captured
by Business
SPOC -->
MIBL team
understands
the need and
offers
insurance
solution -->
closes the
loop with
successful
sale -->details
go into CRM
database for
renewal call
next year.
c) If the
above point
of reaching
out to
vendors turns
out to be
successful, it
can be
cascaded to
all the
departments
eventually
d)
Targeted
marketing
from LinkedIn
platform can
be used to
identify and
reach out to
potential
BUDDIES@MI customers
BL- Lead Our who are
Growth, following our
Expand Our page
Family 1 4 1 2 2
Send Happy
Birthday
messages in
English/Hindi
to our
MLS/MAS
Customers.
Birthday Send Covid
messages and tips to all
Covid tips to customers via
customers 1 sms. 4 3 3 3
GIVE PROPER
TRAINING TO
MMFSL
EMPLOYEE
FOR ISSUING
POLICIES IN
SAJHEDARI
PORTAL. SO
THAT MMFSL
POSP ISSUE
POLICIES
INSTANTLY IN
THEIR CIRCLE.
IT WILL BE
INCREASE
OUR
TRAIN TO PRODUCTIVIT
MMFSL TEAM Y AND
FOR INCREASE
SAJHEDARI INCOME
PORTAL 1 1 INSTANTLY 1 1 1 1
Push Group
Mediclaim
through a
referral
program
where
employees
can get the
team in touch
with the ex-
companies
and help in
pushing
group
mediclaim to
their ex-
companies.
Target mid-
sized start-
ups with
recent
Promote funding and
Group Health enrol them
Programs in for Group
current times 1 Mediclaim. 3 2 3 2
WE SHOULD
IMMEDIATELY
DO
REDUCTION
IN MOBILE
BILL LIMIT .
THERE IS
VERY VERY
ATTRACTIVE
PLANS FROM
EVERY
NETWORK
PROVIDER
WITHIN THE
RANGE OF
600-800
HAVING
UNLIMITED
CALLING
WITH HIGH
DATA
AVAILABILITY.
BY DOING SO
THERE COULD
BE A
MINIMUM
SAVING OF
RS. 200-500
RUPEES PER
ELIGIBLE
EMPLOYEE
EVERY
MONTH WITH
IMMEDIATE
EFFECT.
WHICH WILL
HELP US TO
REDUCTION REDUCE OUR
IN MOBILE COST & TO
BILL LIMIT AT INCREASE
EVERY LEVEL 1 1 THE INCOME 1 1 1 1
Sending Auto
mailers with
CC to RM and
Related
servicing
manager to
all clients for
Available New
products in
Market /New
born baby ,
Birthday &
Festival
Wishes , Also
Increasing
Visibility in
Facebook /
linked-in and
other portals
by sharing
MIBL success
story or
customer
satisfaction
mailers or
feedback's .
Result :-
Increase in
Visibility /
Endorsement
of Brand
Name /Focus
Increasing towards
MIBL Visibility client - This
through will show our
Online Modes 1 1 1 1 care 1 1 3 2
market
practice.
MIBL
employees
must have
access to
Sajhedaari
portal for
policies
issuance to
save time in
business
generation &
business
booking.
MMFSL
employees
need to be
trained for
online
policies
issuance
through
Sajhedaari
portal so that
they can
provide
policies to
customers
instantly.
MIBL
employees
need not to
submit
business done
on Sajhedaari
portal in
Saiba online
DAR, it shall
be done
through
system due to
Saiba &
Sajhedaari
portal
integration.
Regular
training to be
done for
Sajhedaari
Sajhedaari 1 1 1 1 portal 1 1 1 1
Insurance
Products
offered by
MIBL. With
the
information
and
knowledge at
their
fingertips,
they will be in
a better
position to
refer
potential
customers to
the business
teams.
Business
Teams need
to create
training
modules to
train
employees.
Training
modules can
be hosted on
HandyTrain or
VeLM.
Depending on
the business
brought in,
company can
decide to
provide
incentive in
terms of
cash/gift
voucher etc.
MIBL
employees
should be
urged to
bring in leads
through their
contacts for
all the various
products
offered by
Infor2Insure 1 MIBL. 4 1 1 1
happen
through
WFM. This
will be cost
effective
structure as
all the non-
revenue
generating
activities will
be done at
almost 30%
reduction of
onsite model.
Cost like
transportatio
n, location
rent,
electricity and
other allied
cost will be
saved in WFH
model and
parallelly
under onsite
model the
team can
focus on
generating
business to
overcome the
the the cost
based
models.
Effective
measures like
upscaling and
downscaling
the number
of people,
flexible shifts,
Technology
based
initiatives and
wider reach
of employee
Cost recruitment
reduction at will be an
customer added
contact advantage .
centre 1 1 1 1 3 2
team/depart
ment and
make sure
that the
query is
resolved.
SPOC will
have to visit
the client
every
weekly/mont
hly to build
his
relationship
strong, which
will help at
the time of
renewal also.
When only
one SPOC is
visiting the
client the cost
and time of
MIBL will be
saved.
(Different
person from
various team
will not be
required to
visit to the
client.). This
process will
help us retain
the client and
provide the
BEST service.
Also each &
every
individual will
be motivated
to become
SPOC for
certain
corporate’s,
Single point which will
contact for enhance
different individual
processes & knowledge in
Policies different class
(SPOC-PP) 1 of business. 1 2 1 2
with Road
Transport
Authority and
promote
campaign
4) Design
specific
product such
as “Picnic
Insurance”
and launch
during college
events/festiva
ls and
promote
campaign
5) Drive
“BIMA
Awareness”
at
Corporate/St
art-up
Companies
and promote
campaign
Anticipated
Benefits to
Organization
•
Increase in
Brand Value
through
Positive
Marketing
•
Increase
traffic to
PayBima
website
• Word
of mouth
marketing
• Higher
returns with
minimum
B for BIMA, marketing
Bima yaane expenses
PayBima 1 1 1 1 1 1
Currently
Operation
Team
receives the
policy booked
in pdf file
from
insurance
company and
manually
extract the
policy related
details in
SAIBA system.
This process
can be
automated
using
Robotics Tool
and also
similar kind of
operation
Robotics processes
Implementati which are
on for Policy redundant &
booking in time
SAIBA from consuming
policy can be
document implemented
received from using
Insurance Robotics tool
Company 1 1 in MIBL. 1 1 1 1
We need to
create a
Mobile
application in
which all our
product Like
Motor/ MLS
and MAS
should be add
so that
customer/
MIBL TEAM
can renew all
their policy
from this
application
with online
payment
mode . And
also
communicate
to all MIBL
team to
promote this
application
with your
social
network so
that visibility
of the
application
increase and
can be reach
DIGITAL more
SOLUTION 1 customers. 1 1 1 1
improve
productivity .
Points are
mentioned
below:-
1. Time
saving
2. All is
one –Portal
(General and
Life insurance
products)
3.
Multiple
products
available in
single digital
platform for
cross sale
4. It will
help us to
standard
services to
customer
5. It will
help to
increase non
M&M
business 5 Cr
per month
PAN India( 10
to 15 cases
will increase
per BDE)
6. It will
help to
improve
business
booking
7. It will
help to
Customer
satisfaction
8. It will
help to
Compare
Direct Online products
Portal-Retail
vERTICAL 1 1 1 1 1 1
sale and up
sale of
insurance
products
within
Mahindra
Group
entities. We
can create an
insurance
portal where
we can
provide client
specific login
ids in order to
satisfy
individual
insurance
requirements
which will be
a one stop
solution for
our clients.
MIBL as a
consultant for
a corporate
level as well
as an
individual
level will
immensly
help the
organisation
to form a
good relation
with the
client. A
centralised
team who will
co-ordinate
for insurance
business
within group
companies
can be
Increase in established
Income by which will
Synchronisati help to seize
on with the internal
Mahindra business
Group 1 effectively. 1 2 2 1
Development
of the above
app will have
a very
positive
impact since
it will be very
easy for all
customer to
connect with
MIBL &
MMFSL. MIBL
executives
will be able to
handle the
business
leads very
effectively
and
customers
will be able to
avoid call-
centre calls.
The company
will be able to
provide
prompt
service to its
customers
which will be
very cost-
effective &
also time
Customer will saving for
soon forget both its
what you employees &
said. They will customers.
NEVER forget
how you Important-
made them we have
fleet, video &
customer digitalization
who are pamphlet as
merely supporting
satisfied documents to
remain your evaluate for
customer OMC which
only as long are sending
as everything on mail to
goes their group of
ways 1 1 OMC. 1 1 1 1
We should
add a new
product in
MIBL
corporate
plus fapp or
MMFSL
employees
such as
corona virus
cover, malaria
cover
mosquitoes
insurane like
something. so
that all mmfsl
employee can
avail the
ADDITION product in
NEW low cost and
PRODUCT IN it will help to
MIBL increase
CORPORATE income of
PLUS 1 MIBL. 1 1 1 1
INVOICES IN
DIGITAL
MODE
ONLINE.OTHE
R BROKERS
ARE GIVING
ONLY
ADDITIONAL
TO AGENTS
AND
RETAINING
ENTIRE
DISTRIBUTIO
N
FEES.SAJHED
AARI PORTAL
SHOULD BE
UPGRADED
AS PER
PRESENT
COMPETITOR
S TO GIVE
BETTER
SERVICE.
DISCOUNT
RESTRICTION
FOR MAX
20% FOR
AGENTS ON
MAHINDRA
VEHICLES FOR
FIRST MIN 2
OR 3
YEARS.IN
EBM PORTAL
ADD ON
RATINGS AND
PA COVER
PREMIUM
SHOULD BE
EQUAL FOR
INDUSTRY THE ALL
BEST INSURANCE
PRACTICE OF COMPANIES.
INSURANCE ADDING THE
BROKER LINK OF
,INCREASE IN PAYBIMA,ML
CUSTOMER S AND MAS IN
RETENTION/C MMFSL EMI
USTOMER PAYMENT
SERVICE 1 1 LINK. 1 2 2 2
professional
indemnity
insurance,
illness specific
policies like
Dengue
cover, Cancer
policy etc.
We can
identify 5-6
products to
be sourced
through retail
team which
will help us to
increase
business,
income &
profit. We
need to have
at least one
product
training every
month to
educate,
prepare our
team so that
they can cross
sell
effectively.
There are
many policies
available with
many
insurance
companies
having good
product
features, low
premium, and
good income
% age.
Policies
having
premium
upto Rs. 1000
can be done
Product cross selling
Addition in to existing &
Retail new
Department 1 1 customers. 1 2 1 1
Our CCC
teams are
calling the
customers
separately for
each product
i.e. MOTOR,
MLS & MAS.
My
suggestion is
that instead
of calling the
same
customer in
three
different
times or from
three
different
telecallers,
we may have
a common
call to our
customers for
all these
products
through one
telecaller
with a clear
description of
all the
benefits of
our products.
This will
reduce our
call centre
cost as well as
will help us to
secure
Cost maximum
Reduction retention
Measures & within a
Increase single
Customer communicati
Retention 1 1 on. 1 1 3 1
Company
should add all
employees on
Facebook/
instagram/
linked in.
Company
should launch
their all
products on
social media
so that every
employee
share these
products on
their walls
and timeline
and it will
increase
maximum
reach to
people to
spread
awareness. It
will increase
our branding
Use of social and increase
media our revenue
platform 1 1 1 as well. 1 1 1 1
and delivering
solutions are
key factors of
servicing. A
tie-up with
Wellness
organisation
will be a step
towards
effective
servicing as
well as
revenue
generation
model. It will
be easy to
provide
wellness
sessions on
various topics
in a cost
efeective way
with the help
of wellness
organisation.
An insurance
repository
can be
provided in
order to
maintain
insurance
policies and it
will be easy to
maintain
track of
policies. A
dedicated risk
management
team for
inspection
will be useful.
Also, we can
offer rewards
to our clients
Customer for loans, on
retention by purchase of
maximum vehicles from
utilisation of Mahindra
available Group
resources 1 companies. 1 2 2 1
For Health
and life
insurance
product(MAS,
MLS), can we
arrange to
share a policy
download link
to the
customer
through
mail/message
and arrange a
welcome call
with help of
Royal
Sundaram,
Kotak
insurance or
concern
insurer, so
that
insurance co.
can explain
more about
the product
and can
resolve
customer's
doubts, if any.
we can create
the
awareness of
life/health
product
through this
activity.
courier
gratitute for charge or
our healt and field staff cost
life customer 1 1 minimization 1 1 1 1
REDUCTION
IN LOCAL
CONVEYANCE
WILL HELP US
TO SAVE AS
LOW AS 500-
800 RUPEES
PER
EMPLOYEE
PER MONTH.
EITHER WE
CAN FIX THE
LOCAL
CONVEYANCE
@2500 -3000
ETC OR
EMPLOYEE
MUST BE
CORRECT LOG
BOOK WITH
DAILY
ENTRIES . WE
CAN ALSO
USE THE
MOBILE
APPLICATION
LIKE MMFSL
FIELD TEAM
IS USING
WHERE THEY
ENTER THE
LOCATION
AFTER EVERY
RECEIPT
ISSUED
WHICH WILL
ITSELF
GENERATE
THE LOCAL
REDUCTION CONVEYANCE
IN LOCAL FOR EVERY
CONVEYANCE 1 1 EMPLOYEE . 1 1 1 1
Because from
the last year
We had
introduced
accidental
policy (PA) to
our MMFSL
Employee on
Digital flat
form & We
have got
tremendous
response on
digital
platform, If
we given the
such product
for our
customer
then it will be
really
beneficial for
customer as
well for our
company.
Think
Different Do
Different 1 1 1 1 2 2
Setting a
roadmap for
the PoSPs to
execute the
following,
thereby
increasing the
income:
1. Increase his
customer
base by
bringing a
portion of
customers to
approach him
along-with
the
conventional
way of PoSPs
approaching
the customer
2. Leveraging
existing
customer
base to cross
sell new line
of PoSP
products
3. Act as
Insurance
advisor for his
customer &
play a pivotal
role in
Help to Sell - customer's
Increase your life, when it
income comes to
manifolds 1 insurance 3 3 3 4
E-Approval
System :
Currently in
MIBL all the
approvals for
memorandu
m, purchase
order,
circular,
meeting
notes are on
physical copy
which is time
consuming
and difficult
to track. Also
for minor
changes
correction
taken place
via mail or
calls. To track
the notes and
approvals, we
should create
a system
which will
help us in
creating
repository for
all approvals
notes in MIBL
along with
work flow
mechanism to
track these
documents.
So in future
we can also
track
document
along with
authorization
authority
E- APPROVAL details.
SYSTEM 1 1 1 1 2
 Idea:
Identification
& enrollment
of existing
key customer
as POSP for
increase in
retention &
roll over
business.
Challenges :
Unable to
increase MIBL
reach to our
rural based
tractor
customers &
fleet
customers.
Value
addition : By
enrollment of
our key
customers (i.e
Fleet/
Repeated
customers) as
POSP we will
increase our
base as well
as
retention
percentage.
Substantial
Improvement
: It will help
us to scale up
our overall
retention
percentage
up to the
CUSTOMER tune of 8 - 10
RETENTION 1 % 1 1 1 1
DONGLE
USAGE TO BE
STOPPED FOR
EVERY USER
TO WHOM
MOBILE
REIMBURSEM
ENT IS
APPLICABLE .
TELECOM
COMPANIES
ARE
OFFERING
VERY GOOD
DATA PLANS
ALONG WITH
UNLIMITED
CALLING ON
MOBILE
THERE EVERY
USER CAN
GET
CONNECTED
WITH THEIR
MOBILE DATA
RATHER
THAN USING
DONGLE. THIS
WILL
IMMEDIATELY
HELP IN COST
REDUCTION
AND
MINIMUM
500-700
RUPEES PER
EMPLOYEES
Dongle use to COULD BE
be stopped SAVED PER
for field staff 1 1 MONTH. 1 1 1 1
We can have
a provision of
giving free PA
policies to
each of our
customers at
the time of
renewal of
their MOTOR
policies which
will cost
nearly Rs.
100/- or
150/- rather
giving them
maximum
discount in
their MOTOR
policy
renewal. The
premium for
the PA policy
can be
calculated &
integrated
within the
motor
renewal
premium
within a
marginal
discount only.
This may help
us to
generate few
more income
INCREASE IN through Cross
INCOME 1 selling. 1 1 1 2
provide 360°
insurance
solutions. This
will be a type
of portal on
which the
customer can
buy insurance
as per his
requirement.
in this portal ,
the customer
can know the
current
status of his
policy, if he
needs any
service, he
can also get
it.
The points
are
mentioned
below:-
1.It will
increase MIBL
company
brand image
2.cost saving
3.it will help
to increase
customer
connect
4 it will
provide 360°
Solution to
customer
5. it will help
us to provide
multiple
range
Introduce 6 Number of
digital customers
platform will increase
(MIBL Mobile for each
App) to MIBL segment
customers for
providing
360° solutions 1 1 1 1 1 2 2
through
online
premium
payment to
save on
monthly fuel
reimburseme
nt, employees
can issue
policies while
sitting in
office through
online
premium
payment, can
use time
saved (time
saved in going
in field,
collecting
premium
from
customer,
issue policies
from RO;
return to
office in many
cases,
employees
has to visit
customers
more than 2
times for
policies
delivery, this
will also
minimize
mishandling
of cash) in
generating
more
business.
Ideally we
must have
reduce
mobile & fuel
expenses by
25% at
company
level
Cost Saving 1 1 1 1 1
Mobile &
Data card bills
can be
reduced by
implementing
a customized
common plan
like CUG for
every
employee
with VOICE &
DATA facility
from a
common
Network
Operator
rather than
giving grade
wise monthly
reimburseme
nt for mobile
bills. Through
this process
the cost of
calling &
COST surfing with
REDUCTION data can be
MEASURES 1 minimize. 1 1 1 1
We would like
to propose
Interactive
Voice
Recognition
(IVR)
implementati
on for policy
renewal &
other kind of
enquiries
related to
customer
policy. So it
would serve
as self serve
methodology
for customers
to check their
policy details
or renew
their policies
without any
manual
intervention.
Workflow to
be developed
for handling
Implementati smooth
on of IVR for customer
policy journey via
Renewal 1 IVR. 1 1 2 1
year as it is
difficult for
any
employee/CC
C to call every
customer
once in a
month. We
need to
create MIBL
Whatsapp
number for
all of our
customers,
most of
people use
Whatsapp,
we can offer
whatsapp
communicati
on services to
customers,
customers
can accept it
& MIBL can
send one
weekly
message to all
customers for
policy
servicing,
availability of
product
range, claims
servicing,
cross selling,
getting
customer
feedback etc.
This will help
customers to
remind MIBL
& will help
customer
engagement,
better
customer
servicing with
better
Customer customer
Connect 1 1 retention 1 1 1 1
are not aware
of the PA or
hospicash
policy . We
can promote
these two
products to
all the
existing
customers
while giving
renewal
reminder for
the existing
policy
* Taking the
ownership of
the problems
- We can
share
escalation
matrix to the
customers for
the
immediate
closure of the
issues/ query
they are
raising
* Conduct a
region wise
customer
meet once in
a year - We
can give
awareness to
the
customers
about our
products and
servises and
conduct fun
programs to
entertain the
customer and
they shall feel
how we value
our
customers
Customer is
the King 1 3 3 2 1
At present we
are dealing
with 5000
plus vendors
within a
Group. Admin
team to share
list of all
vendors with
whom we are
providing us
some service.
Based on the
vendor and
his
profession,
they should
be contacted
and offered
insurance
solutions
(individual
and
commercial)
suitable for
their line of
work. This
concept can
be expanded
to the Group
Companies as
well where
vendors of
Group
Companies
can be
contacted.
We can
approach
them to
enroll as
POSP as well
which will
increase our
Vendor customer
Sampark 1 base. 4 1 1 1
internal
customers.
Challenges:
With this
covid 19
guidelines,
MIBL team
unable to
meet 100%
MMFSL team
on regular
basis &
unable to
approach
them
physically
about our
product &
services.
Value
addition: By
doing so MIBL
team can
interact with
our internal
customers on
regular basis
& ask them
for support to
scale up our
MLS / MAS
renewal
cases, new
take ups,
motor
retention.
Also MIBL
team can
resolve the
query of
MMFSL team
in due time.
Face to face
interaction
matters a lot
during this
covid 19
CONNECT situation.
THROUGH
DIGITAL
PLATEFORM 1 1 1 1 1
Currently we
have Spoors
mobility
platform
which is used
for
receipting/col
lection.
We need to
extend this
for Lead
generation
and link with
Mobile APP
system by
creating a
workflow for
end to end
customer
journey. The
leads getting
generated
from the call
center(MLS/
MAS/Motor)
-> gets
assigned to
the executive
on the App >
he/she closes
Mobile APP the lead ->
Intergration Payment
with Call Gateway
Centre 1 1 (Mobile APP) 1 1 1 1
PayBima need
to be
launched
immediately
as it will help
MIBL to have
space in
online
insurance
market. Many
customers
buy insurance
online only.
This will help
MIBL to get
more
customers,
business &
PayBima 1 1 1 1 income. 1 1 1 1
There should
be a one stop
solution like
Mahindra
Quick-Pay.
Digitalization
creates more
cost
reduction.
Like
customers
can directly
deposit there
EMI through
Mahindra
Quick-Pay, we
should have
also one stop
solution point
where
customer can
directly
access with
their
agreement
number and
pay our
products
premium like
MAS, MLS &
MOTOR in
very easy
way. This will
increase our
customer
INCREASE IN retention as
CUSTOMER well as
RETENTION & customer
CUSTOMER services in a
SERVICE 1 better way 1 1 1 1
• In
MMFSL
Manthan
Scheme the
Present take
up is 36% , we
need to
Increase
minimum
70% by
Changing the
Script of
MMFSL Call
Center , we
need to
Provide the
Training to
MMFSL CCC
as well as
need to add
the MLS
Speech in
Script .
• In
Manthan
Funding we
need to
ensure to
Include the
Motor
Renewal
Funding too
so that
Customer
Vehicle is
Secure and
Even Increase
the Direct
Manthan Renewal too
Scheme 1 4 5 5 2
The idea is to
increase
enrollment of
POSPs in
Sajhedaari
portal by the
following
ways :
-
Employees
should be
asked to get
POSPs
enrolled in
Sajhedaari
through their
references
- Certain
Mahindra
employees,
post
retirement
get into
Insurance
selling. They
can be
approached
to become
POSPs for
MIBL.
An increase in
the number
of POSPs will
increase our
sales and
therefore
revenue. By
enrolling
POSPs we are
helping them
increase their
income and,
through our
products,
secure our
Sajhedaari customers.
Enrollment 1 4 1 1 1
executive said
this is one
year next
year renewal
mibl
employee call
back
repo vehicle
policy agent
convert to
posp for
insurance
all insurance
company are
not send link
some of
company only
send
EBM portal
auto message
send two
month before
digital
paybima used
effective
manner
excel motor
mls mas need
single
message
Data Card Not
required as all
employee
using mobile
data with Hot
spot
we can give
TAB instand
of Laptop for
New Joinee
BDE
Dental Cover
Not required
in GMC Policy
as we are not
using it
effectively
Marriage
Honeymoon
PREPACE20- Expenses
20 1 1 1 1 1 1 1 1
physical files
in office and
reduce costs
for occupying
space and
purchase of
new files. We
need to
maintain soft
copies of
documents of
each and
every claim
by scanning
those
documents
and saving it
on the server
with the claim
number / file
number. This
will help us to
locate the file
as and we
required and
also will help
in
maintaining
physical files
which
occupies
spaces in our
office. even
we can share
the link with
client so that
they can
upload claim
documents
directly, By
maintaining
records in
soft form, we
can reduce
subsequent
storage cost
of old files
with the
outsourced
agency
Data storage 1 1 2 2 2
We must
need to
monitor Per
Person
Productivity
quarterly. Any
non
performing
employee
must be
issued with
PIP. PIP shall
have validity
of one month
& if employee
don't improve
in 3 PIPs,
company
must take
action on
his/her. We
must need to
have ratio of
Improvement back office &
in Per Person field
Productivity 1 1 1 employees. 1 2 2 2
• For
MMFSL
Consumer
Loan
customers
we need to
Come up with
Small ticket
size Loan
Protection
Policy
immediately
to avail the
Benefit of
Consumer Future if the
Loan Volume
Insurance 1 Increases . 4 5 5 2
When
customer
reaches to
MMFSL
branch to
close his loan
account we
can offer for
MAS policy
with the help
of Branch
A/c/ Cashier
& Collection
team along
with MIBL
team.
MIBL BO
team along
with field
team daily
get in touch
to his base
and span of
locations
Branch
accountant
for MMFSL
contract
closure if any
at that time
he/she can
pitch and
close the
same.
app. 1200
MMFSL
branches PAN
India where if
we take 5
closure per
branch i.e.
1200*5 =
6000
1 mas
MAS renewal
RENEWAL IN income is
CUSTOMER app. 1000
LOAN A/C 1000* 6000
CLOSED =6000000
CONTRACT 1 1 1 1 1
We have
observed that
we are not
doing MLS
and MAS of
Co-Borrower
where as
other finance
companies
securing the
asset through
loan suraksha
products.if
we provide
the MLS and
MAS to Co-
Borrower, we
can secure
MMFSL asset
as well as
generate the
good income.
The points
are
mentioned
below:-
1.it will
enhance
more asset
security to
MMFSL and
MMFSL
customer
2.It will help
to secure
asset of
proprietor
firm business
3.It will help
to increase
MLS and MAS
new take 7%
to 8% as well
as income 6
Cr in a year.
4.It will help
MLS & MAS to
policy for productivity
MMFSL Co-
Borrower 1 1 2 2 2
We should
have a
platform/Appl
ication for our
field
employees of
generating
premium
quotation &
comparison
of premium
for MOTOR
renewal cases
like the way
we are
currently
working with
our
Sahjhedari
portal in
POSP module.
This will help
us to close
maximum
renewals
without
consuming
much time.
Also our
existing
concept i.e.
PayBima
should start
as soon as
possible for
better
INDUSTRY servicing to
BEST our
PRACTICES 1 1 customers. 1 1 1 2
available in
single
module)
2. to be sent
birthday,
anniversary
wishes to
customer
through
whats app OR
text
messages.
3. to be sent
policies on
their mobile.
(Motor, MLS
& MAS) its
beneficial in
future for
cutomer.
4. to be sent
our all
products
information
them to know
for variety of
MIBL its
beneficial for
us to
generate
maximum
retention
leads &
business.
5. MIBL
advertisemen
t comes on TV
/ FM Radio
for awareness
of insurance
products.
6. MIBL CSR
activities
informaation
also given to
customers to
Increase in know their
Customer social
Retention / responsibility.
Customer ..
Service 1 1 2 2 2
send the
policy PDF
with details
through link
on customer
mobile
instantly once
the policy has
been issued
at insurance
co. level
which will be
better to
understand/g
et the details
of policy
documents
along with we
can
give/share
the Local
MIBL person
contact
details if
customer
want any
more details
related to the
insurance
service which
will be helpful
to retain our
customer
with MIBL
only in all
types of
Insurance
Products.
as well as if
possible
please send
the birthday
messages to
our MMFSL
Loan
customers
which will be
beneficial to
Well done is maintain the
better than relationship
well said 1 with them. 1 1 1 1
MIBL will do a
feedback
session from
claim settled
customers
( Motor/MLS/
MAS) &
simultaneousl
y can
approach &
educate our
other
products.
Challenges:
As insurance
sale through
dealership or
MMFSL
Executive,
customer can
not know our
team or
aware about
our others
products.
value
addition:
•Customer
feedback
after getting
service will
increase
customer
retention
program,
they motivate
other
customer to
purchase. We
can easily
educate our
other
products to
such
customer and
will find to
increase
scope of
business in
Increase CSI other areas.
score 1 1 1 1 1
• We
need to
Increase the
Strategic
Business
through more
Tie up, we
can tie up
with no. of
Riksha Union
for Motor
Insurance , tie
up Mahila
Bacchatgat in
Vilages for
Small Ticket
Size Life and
Health
Insurance for
Strategic them and for
Busiess their Family.
Income 1 4 5 5 2
Idea:
Identification
of Customer
at Village
level with the
support of
MMFSL who
is having
influence in
village and
convert to
PSOP.
Value
addition:
•Opportunity
to get new
business and
also increase
the business
specially
independent
customer.
• This
activity will
increase the
branding of
our company.
•
Mahindra
Insurance can
easily be
reachable at
village level
also.
Rural Market 1 1 1 1 1
We need to
have credit
cover for T-
permit
vehicles/prop
rietary cases
which will
help to
increase our
Income 1 income. 4 3 5 2
We can send
periodic
mailers, bulk
messages,
whats apps or
even on
facebook post
with all the
information
about our
products with
attractive
broucheres to
the dealers
and all the
other
realated
parties likes
corporate
clients,
vendors,
retail clients.
For which the
data base of
contact
details has to
be
periodically
updated.
Also for
commercial
ads we can do
our MIBL ads
jointly with
our group
companies
ads which will
help us to
cover
maximum
viewers and it
will reduce
the huge cost
Advertisemen spent on
t 1 commercials. 1 1 1 1
Through our
digital plate
form (Watsup
Broadcast) in
one go we
can convey
250 people
regarding our
MIBL
Products,
benefits, EBM
/ Tracpro
services & we
will be in
touch with
our esteemed
customers
throughout
the year & it
leads to
Digital retention of
Plateform 1 customers. 1 1 1 1
A greetings
call is
mandatory
for MLS &
MAS
customers for
new cases.
Most of the
customers
are unaware
about such
product and
there
benefits. A
Greetings call
will help us to
address &
educate our
customers
with product
benefits
which will
very much
helpful for us
in terms of
renewal
conversation.
Also it is not
so possible to
get in touch
with every
customer by
calling or
massaging
them every
time. Instead
of calling
them again &
again, we
should start
sending them
mailer
communicati
on regarding
product
details,
INDUSTRY renewal
BEST reminder etc.
PRACTICES 1 1 1 1 1 2
for 1 year and
with limited
customers. All
metrics will
be mapped
and a dip
stick survey
will follow
just before
the Renewal.
In all this, we
will take
adequate
care that the
customer is
not
bombarded
with calls
from our end.
Just 3 times a
year and
followed up
with a survey
before
Renewal
date.
If successful,
learning will
be
documented
with
empirical
evidence. This
can also be
replicated
with our
customer
facing
executives
across MIBL
post this Pilot
with
adequate and
appropriate
modifications
of customer
servicing
standards of
that time.
The Indigo
Experience 1 3 1 1 5
demand
Testing
purpose we
will collect
data from
filed and
some good
customer
Result of
Combo
product ==
Cross selling
will be Done
Income from
Motor/Health
/Term can be
generated
data base will
help to
generate
market
potential to
tapped
output
income &
Customer
retention
reminder in
app for policy
due for
renewals
Handy app in
mobile
Customer will
one Stop
Solution
Further
Claims and
Communicati
on for refarel
can be add to
app
Increase in
Income 1 1 1 1 2
There were
provision of
Rs.1.49
Crores made
before Jan 20
towards
distribution
fees, but
MIBL have
not received
invoices from
MISP’s
against this
provision.
MIBL business
team has to
take a
decision
whether to
pay this fees
which is more
than 6
months old.
Assuming
that 40% is ok
for reversal
than reversed
can be 60
lakhs approx..
Reversal of
distribution
fees - MISP 1 1 1 1 1
Currently we
are having a
Mega
Renewal day
for
retention
,MLS or MAS,
similarly we
can arrange
such a Mega
Renewal day
for sourcing
direct
business and
creating new
customers
,that can be
sourced
through
M&M and
Non M&M
corporate
who are
associated or
are clients of
MIBL. We can
arrange Mega
Renewal Day
in such M&M
or Non M&M
corporate
plants once in
a month
which can be
called a MIBL
Mega Insurance
Renewal Day 1 Mela. 4 5 3 2
cost effective
also.
Secondly,
people can
use the
internet
hotspot as a
mode of
accessing
internet and
checking
mails. This
can be a
substitute for
office
internet
dongle which
we are using
in office and
at home. The
dongle
cannot be
effective at
many places
and can run
out of
network but
mobile
network can
be used
flawlessly.
This will save
our money to
purchase
additional
dongle for
internet
connectivity.
and the bill
can be paid in
bulk directly
by company
which will
save time of
employees
raising bills
approving
and
Phone bills reimbursing
standardisati it.
on 1 1 1 1 1
Keep in touch
INCREASE IN with the
CUSTOMER customer
RETENTION/C ever after
USTOMER renewing the
SERVICE 1 policy 1 1 1 1
just like MAS
for MMFSL
loan
customers we
can offer
GROUP
Health
insurance
policy to all
M@ M
groups and
dealers team
for their
families.
currently they
may not be all
covered for
health
coverages
and we can
offer and
close the
same.
Approx.25000
employee
strength and
if per person
premium will
be 5000 than
25000* 5000
will be
12,50,00000
premium
every year
and income
boast also
Group Health along with to
policy to cover their
M@M health and
Group/Dealer families too.
ship Team 1 1 2 2 2
Try to make a
better
impression
about the
service given
by us to the
customer so
that they will
INCREASE IN not
CUSTOMER influenced by
RETENTION/C external
USTOMER market
SERVICE 1 bargaining 1 1 1 1
Unnecessary
nigh stay
need to be
avoided while
on business
visit for short
distance
• Virtual
online
Training and
meetings to
be conducted
wherever
possible for
review
meetings and
clients
• Need
to Share
Monthly
Income and
Expenses
Statement by
Each Vertical
so that we
can create
awareness
about the
Expenses and
can take the
necessary
step to
reduce the
Costs.
• Limit of
mobile
expenses
should be
reduced to Rs
750/-.
• We
need to
restrict the
Field
Expenses and
need to Link
with numbers
of Renewal
done on the
Field.
Cost Saving 1 1 5 5 2
By
considering
lockdown
period,
Solapur and
Thane call
centre rental
Laptop and
desktop
count need to
be reduce as
measure
percentage of
employees
will work
from home.
even after
lock down
100%
employees
Change in will not
Rental Cost of resume to the
equipment 1 office. 1 1 1 1
Make aware
the customer
about the
documents
required for
settling the
INCREASE IN claim in order
CUSTOMER to avoid
RETENTION/C unnecessary
USTOMER customer
SERVICE 1 complaints 1 1 1 1
1. We can
share the link
for Motor
renewals to
customer
before 45 day
from the date
of renewals,
in that link all
the insurance
company
quotes in the
display it will
be chosen by
the customer
choice.
2. This is
usefully for us
we can able
to secure
customer
with MIBL, Be
cause
customer can
compare the
quote single
point.
3. Until renew
the policy
from
customer end
continually
send a SMS to
INCREASING customer on
RETENTION daily basis.
AND INCOME 1 1 1 1 1 1
Strong
negotiation
on cost with
vendors and
Marketing
agencies to
reduce their
cost.
Low cost
vendors or
freelancers to
be
considered.
Needs to
negotiate
with
housekeeping
vendors
across PAN
India to
reduce their
staff salary till
normal work
Negotiation 1 resumes. 1 1 1 1
there is no
limit of
participants,
files can be
viewed to all
the
participants,
video and
audio clarity
is flawless
and also
messages can
be sent
through this.
There is no
need to
engage IT or
HR for
meetings.
This is best
industry
practice and
it is already
being used by
M & M and its
other group
companies
even many
other
corporates
are using this.
Even during
rains when
we cant reach
to client due
to some or
the other
reasons, this
mode will be
helpful. we
can even
conduct
trainings
through this
platform. This
platform of
digital
meeting will
be future of
Virtual physical
meetings 1 meetings. 1 1 1 2
1.Now we are
offering MLS
& MAS
coverage only
for
Individuals. i
would like to
suggest we
can offer MLS
& MAS for
SME business
were we can
offer this
coverage to
the
proprietor.
2.Hope this
will increase
in terms of
INCREASE IN business and
INCOME 1 1 income. 1 1 1 1
Currently
there are 10
days
mandatory
leave
provided by
Company.
Idea is that if
we increase
these leave
from 10 days
to 15 days
than
provision
towards leave
encashment
will reduce by
5 days. The
same will
increase PBT
of the
Company and
employee will
enjoy work
life balance as
well.
Employees
must have
take these
additional 5
days leave
during lock
down period
without
affecting their
Mandatory regular work.
Leaves 1 1 1 1 1
frequency) It
will help in
reducing the
overall cost as
10% seating
place will be
free forever
and the cost
will also be
reduced
towards
electricity/ca
nteen
bills/landline
phone bills,
etc. It will
also allow the
employee to
work from
home without
any
interruption
and can
efficiently
follow up the
process of
work from
home. The
employees
can work for
longer hours
as the
traveling time
will be saved.
Only if the
employee has
to attend
certain
meeting
internal or
external then
they can visit
the office, in
this case the
opportunity
can be given
to other
employee.
This will also
Work-life add to work-
balance 1 life balance. 1 1 3 2
showroom
compulsory
100%
insurance
business
through
MIBL.
3. funding for
insurance
want to be
activated
(Specifically
CV cases).
4. Digital
Module to be
used for
policy
issuance as
well as
advertisemen
t.
5. alternative
contact
number
should be
taken of
customer for
renewal.
6. 100% MAS
& MLS taken
in New
Business
(some
incentive
started to
MMFSL
Business
executive to
drive)
7. Appoint
special team
to take Follow
up of pending
to convert
customers in
sub
subsequent
month
(MOTOR,
Increase in MAS & MLS)
Income 1 1 2 2 2
part of min 10
OEM tie ups
so that our
renewal part
also will be
driven by
channel
partners/
manufactures
in coming
years
extensively.
9. Cost
reduction
measures:
Claim docs
should be
sent via
online to
process MLS
& MAS claim
so that
courier
expenses can
be reduced
considerably.
10. Cost
reduction
measures:
Monthly
review can be
conducted
using video
call platform.
11. Cost
reduction
measures:
Last year Half
year
PP/Annual PP
can be paid
only as per
level 3 (only
as showed in
the appraisal
letter)
considering
the prevailing
How to make tough times.
a better 7.
tomorrow 1 1 1 1 1 2 1
Points to be
cover as
follows:-
1. We have to
used digital
module
services to
retained our
customers.
2. MIBL has
given policy
copy on MIBL
policy paper.
3. Single
digital link
should be
created for
customers all
policies
( MOTOR,
MAS & MLS)
4. Customers
alternate
contact
number
should be
taken for
future
prospects.
5. MIBL
advertisemen
t comes on
television as
well as FM
radio to
aware variety
of MIBL
products...
6. MIBL all
variety of
products
information
Increase in sent to
Customer customers
Retention mobile on
/Customer whats app &
Service 1 messages. 1 2 2 2
Planning all
channel
partner
meetings &
trainings
through
Webinar
only . This can
COST help to
REDUCTION reduce our
MEASURES 1 cost . 1 3 4 5
CURRENTLY
MIBL IS
SELLING HIS
HEALTH
INSURANCE
POLICY 'MAS'
WITH THE
HELP OF
MMFSL
TEAM, AT THE
TIME OF
RENEWAL WE
ARE GETTING
FEEDBACKS
FROM
CUSTOMERS
THAT WE
AREN'T
AWARE
ABOUT THEIR
HEALTH
POLICY, TO
IMPROVE
RETENTION
AMONG
CUSTOMERS
WE SHOULD
ORGANIZE
HEALTH
CHECK UP
PROGRAMS
FOR MMFSL
CUSTOMERS
AS IT WILL
INCREASE
GOODWILL
OF MIBL AND
WILL HELP IN
RETAINING
MORE
CUSTOMERS,
IT WILL ALSO
HELP IN
INCREASING
MIBL HEALTH WORD OF
SAFETY MOUTH
PROGRAM 1 1 MARKETING 3 2 3 2
and they are
arranging
policies from
local agents.
This
workshop
may be a
M&M
dealership or
a POSP.
Whatever the
type of
workshop, if
the MIS can
be arranged
with the
policy details
and expiry
dates then
that can be a
source of
renewal
business. The
MIBL Team
can utilize the
same MIS and
arrange
calling of the
MIS on T-45
days to
customer and
secure the
policies. It will
increase the
revenue from
the workshop
as well as
without
investing any
additional
manpower,
MIBL as well
as workshop
team can be
able to secure
more policy
renewals and
more
Cost revenues.
reduction
Measures 1 1 1 1 1
we can
conduct
virtual
meetings for
follows
instead of
traveling at
the clients
place as in
this lock
down like
situation we
can do virtual
meetings or
video
conferencing
, only 1st time
we can have a
face to face
meetings but
later can be
followed by
virtual
meetings this
will instead
save our
traveling time
and also
reduce
Digital Display 1 1 1 traveling cost. 1 2 2 2
we can go for
soft copy
storage of
policy copy,
endorsement
s ,claim
documents ,
premium
cheque
copies which
we normally
keep xerox
and maintain
it in box files
this will helps
us to save
space and
also reduce
paper work
(xerox) ,OEC
space saver 1 1 cost, time. 1 2 2 2
Negotiating
with
insurance
companies
for higher
rewards ,we
can inform
the customer
about marine
specific
transit
insurance
policy so that
if they have
any
requirement
they can
contact us
and we can
provide them
with
insurance, we
can inform
and also
provide
awareness to
our existing
clients , also
M&M group
employees,
others and
individual to
go for our
other
insurance
product
services such
as health
insurance , 4
wheeler & 2
wheeler
insurance ,
income property and
matters for miscellaneous
revenue and , household
growth 1 insurance etc. 3 2 2 2
we can share
knowledge,
market
updating on
mailers to our
customers,
we can
inform the
customers
about our
hassle free
claim service ,
defined SOP
with
insurance
company,
also end to
end service
right fro
your our underwriting
priority and to claim
loyalty 1 settlement 4 2 2 2
As on now we
offer MLS &
MAS Only for
indivisual
cutsomers of
MMFSL.But
non indivisual
customer also
having near
by 10% share
of mmfsl
base.If we
able to cover
such
cutsomers
specially for
Proprietorshi
p as well as
OLA-UBER
taxi customer
who actually
need MLS
&MAS
because he is
sinle earning
person.In this
way we
INCREASE nicresase our
MLS AND customer
MAS base and
CUSTOMER additional
BASE 1 1 income also. 1 1 1 2
Right now we
offer 10%
Distribution
fees to our all
POSP.Even
POSP is low
or high
volume,POSP
will get same
Distribution
fees.My idea
is if we
designed
Distribution
fees slab
according to
volume then
its help to
increase
existing
business of
POSP.for ex-
we can offer
1 % additonal
for POSP
whose
business is
morev than 5
lac etc..its
definately
help to scale
Increase up POSP
POSP business with
Business 1 scheme. 1 1 3 1
Right now we
fund motor
insurance
within limit of
MMFSL.If we
agree to fund
motor
insurance
additional to
loan amount
which MMFSL
decided then
its help us to
increse motor
business
drastocally.It
help us to
increse MIBL
penetration
in MMFSL all
business
vertical Like
CV,CE,New
Car loan,
direct motor Refinance,DM
business 1 1 T etc.. 1 1 2 1
The idea couldThe idea couldApplicability oWhose SupportWhat will be the success metrics for your idea?
Increase in ProCost Saving or Improvement iIncome GeneraOther
Business
support
2 2 3 Hr 1
MIBL claims
team to
provide the
claim data
call center to
follow up on
the claim
1 1 3 data. 1 1
MIBL CLAIM
TEAM for
creating the
PPN network
MIBL Central
Team for
creating the
term with the
PPN network
already We
have
Mahindra
First choice so
we can
implement
1 1 3 easily. 1 1
MMFSL team
need to
support for
the EMI
option
MMFSL team
need to make
the changes
in the
contract
booklet
MMFSL sales
and collection
team need
informed
about the
1 1 3 option. 1 1
Ensuring
MMFSL SMC safety of
1 1 3 & MIBL SMC. 1 1 1 Asset
Admin team
need to
negotiate
with landlord
for the
discount in
rent
HR team
need to
frame the
policy for the
mobile limit.
Admin team
to discuss
with IT team
for common
plan for
mobile and
surrender
plan for the
data card.
HR team to
frame the
plan for the
expense to as
common
based on the
band and
5 5 3 work profile. 1
IT function
and also the
MIS team in
helping us
with data
crunching to
arrive at right
numbers on
which we can
negotiate
with Insurers
2 1 3 for rewards. 1
M&M Group
company
Admin
support, MIBL
strategic Self Branding
team support within
& Marketing network
1 1 3 team. 1 1 1 1 groups
Top
management
2 1 3 / HR& Admin 1 1
We have
required
support from
I & S team in
2 1 3 my idea. 1
Reduction in
employee
HR, attrition rate,
ADMINISTRAT Increase in
ION AND IT Employee
1 1 3 Dept. 1 1 1 1 loyalty
IT team/
Insurer
empanelment
1 1 3 team 1 1
HO Admin
3 1 3 Department 1
IT
Department,S
trategic
2 2 3 Department 1 1 1
Reduction in
employee
HR, attrition,
ADMINISTRAT Increase in
ION AND IT Employee
1 1 3 Dept. 1 1 1 1 Loyalty
HO Team &
MMFSL
1 1 3 Senior Team 1 1 1 1
Regional
Manager-
2 2 3 MIBL 1
IT team, VAS
1 1 3 team at HO 1 1
Product
Training for
the
employees to
sell Life and
Non-Life
Products
( HR)
Marketing
and
awareness
campaigns
with support
of CC and
marketing
team
( Marketing)
Preparedness
of Sajhedaari
Portal ,
products
availability for
issuing
policies ( IT)
2 1 3 1 1 1
1.
information
technology
(IT team)
2. HO
retention
team
1 1 3 1 1 1
1.
information
technology
(IT TEAM)
2. HO
retention
1 1 3 1 1 1
•
Guidance of
Sales Team to
provide
information
on products
for which
Leads can be
generated
•
Participation
of Sales and
Placement
Team to close
the Leads
• I.T. to
provide
module for
Leads cycle –
Leads
capture,
Leads
assignment,
Leads status
•
Marketing
Team to
provide
mailer
communicati
on with
customers
•
Accounts
team for
processing
incentives to
Non-Sales
participants
2 2 3 1 1
Increase in
IT Team & Contactability
MIBL Retail & self
1 1 3 team.. 1 1 1 branding
HO Senior
1 1 3 Team 1 1 1
Support
required from
Marketing &
1 1 3 IT Team 1
Will require
support of IT
developers to
create the
application as
per our Advanced
requirements market
1 1 3. 1 1 1 1 practise
Historical
data of costs
from
Accounts
Assistance of
HR to study
and modify
current and
future
incentive
policies to
reduce costs Marginal
5 5 3 1 1 Profit
HO &
Insurance
1 1 3 Company 1 1 1 1
Regional
Manager -
2 2 3 MIBL 1
1 1 3 Head office 1 1 1 1
Approved
Empowered
Working
Group (EWG)
status so as to
provide time
to this activity
Cost data
from
Accounts –
employee-
wise/ cost
head-wise
Field Study
with support
of RMs, ABH,
AM, BDE to
understand
the current
expenses
incurred
(Retail & CS
field team)
5 3 3 1 1
Retention
Department,
IT
3 3 3 HR GROUP 1
STRONGLY
WITH
POSITIVE
WAY MYSELF
AND OUR
ORGANIZATIO
1 1 3 N. 1
IT team,
Marketing
1 1 3 team. 1 1 1 Brand Equity
Support of IT
developer
team will be
required to
develop the
app as per
our
1 1 3 requirement. 1 1 1 1
DEBASHISH
2 2 3 ROY 1
DHURI
2 2 3 SANJAY 1
Marketing
2 2 3 Team 1 1
Admin , HR
and finance
people to
understand
the cost
effectiveness
and execution
2 3 3 of the policy. 1
1. MMFSL
team
2. MIBL HO
1 1 3 1 1 1
POSP &
RETENTION
1 1 3 team 1 1 1 1
MIBL SMC
MEMBER
MMFSL
2 1 3 POSP TEAM 1
Motor Claims It will set new
Team, IT trend to link
team, Sales pay-outs with
1 1 3 Team 1 1 1 1 loss ratio
HR and Head
2 2 3 of Depts. 1 1
Dealer service
team for
collecting the
Data.
Mahindra
team for
making the
changes in
the DMS.
OPTIONAL
Insurer team
for
supporting
the follow up
and punching
of policy
MIBL Team
will have a
Regular
Monitoring
on
performance
of MISP
service team
and support
them
wherever
1 1 3 they need. 1 1
Ho and
5 2 3 Regional head 1
MIBL HO FOR
PRODUCT
3 2 1 DESIGN 1
Admin and
HR dept be
actively
involved in
executing the
2 2 3 same. 1
Increase in
Conversion of
1 1 3 HR Dept 1 1 1 Leads to Sales
Claims
Department -
Mr. Sanjay
1 1 3 Moholkar 1 1 1
Every
department
need to Industry best
participate to practices
implement implementati
1 1 3 this idea 1 1 1 on
M&M
2 2 3 MIBL 1
2 2 3 HO 1
CCC SUPPORT
AND
RETENTION
1 1 3 TEAM 1
IT Team/Pay
2 1 3 Bima Team 1 1 1 1
Business head
1 2 3 retail. 1 1 1
IT and
Marketing
1 1 3 Team 1 1
Respective
Sales teams
2 3 3 of all regions 1 1
Infrastructure
5 5 3 Team 1
MMFSL CV
2 2 3 Team 1 1 1
IT team
support. CC
Team and
People
development
1 1 3 team. 1
Support
required from
HO-Process
team
2 2 3 1 1
Marketing
1 1 3 Team 1 1 1 1
Retail team
1 1 3 and IT team 1 1 1 1
Management
Team &
Technology
1 1 3 Team 1 1
- Client
company
senior
management
for providing
the data
- Sales
team (for
pitching the
product)
-
Marketing
team (for
creating
brochures
and other
product
related
communicati
ons)
- MIBL IT
team (for
portal
development)
1 1 3 1
Procurement
of Bluetooth
Printers for
MIBL field
team (BDE/Sr
1 1 3 BDE) 1 1 1 1
we require
Support from
Operational &
2 1 3 Process team 1
2 1 3 IT Team 1 1 1
1 1 3 EB VAS Team 1
Central EB
Operations
1 1 3 Team 1
Technical
2 2 3 Team at HO 1
3 2 3 IT Team 1
Technical
2 1 3 Team at HO 1
IT Team at
2 2 3 HO 1
Central IT
2 3 3 Team 1
Central IT
1 1 3 Team 1
2 2 3 Head Office 1
Central IT and
Technical
2 2 3 teams 1
ALL SMC
members
approval
would be
2 2 3 required. 1
ALL SMC
3 1 3 members 1
All SMC
members
approval
would be
required
specifically.
Details
calculation
with benefits
can be
provided
incase the
idea is Work life
shortlisted balance with
2 3 3 further. 1 1 quality
IT
department
and the
senior
1 1 3 management 1
DH will take
necessary
step to
implement
the same
through
1 2 3 online. 1
Approval of
respected
SMC team Brand Value
1 1 3 members 1 Addition
my
seniors,collea
1 1 3 gue 1 1 1 1
Mr.
Shailendra
5 4 4 patel 1
MY
COLLEAGUE
1 1 3 & MY SENIOR 1
- MMFSL
Operations
and Accounts
Team (for
Necessary
Approvals)
- MMFSL
IT Team (for
System
Changes in
MMFSL
Systems)
- MIBL IT
Team (for
System
Changes in
MIBL
2 2 3 Systems) 1 1 1 1
- MMFSL
IT Team
- MIBL IT
2 2 3 Team 1 1 1
3 3 3 management 1
Some
Changes in
Exba portal,
exps. should
be routed
through
Reporting
2 2 3 Manager. 1
2 2 3 Management 1
company &
2 2 1 state head 1
COMPANY &
2 2 3 STATE HEAD 1 1 1
2 2 3 Management 1
IT Team,
Vishal Wagh,
Nilesh Ambe,
Vishwesh
1 1 3 Deshpande 1 1 1
Company &
2 2 3 state head 1 1 1
2 2 1 Management 1
Approvals
from
5 2 3 Management 1
Support
required:
-
Marketing
team (for
creating
brochures
and other
product
related
communicati
ons)
- MRHFL
IT team (for
portal
development)
1 1 3 1
Support
required:
- MMFSL
and MIBL
senior
management
for providing
approvals for
implementing
rider in the
product
- MMFSL
and MIBL IT
team (for
implementing
the changes
in rates in the
system)
1 1 3 1 1
Head of
2 2 2 commercial 1
SUPPORT
FUNCTION
REQUIRED
FROM HEAD
OFFICE TO
ADD THE
NON MOTOR
PRODUCTS IN
SAJHEDAARI
TO
INCREASES
THE INCOME
& ALSO
DEMANDED
1 1 3 BY OUR POSP 1
- Sales
team (for
pitching the
product)
-
Marketing
team (for
creating
brochures
and other
product
related
communicati
ons)
- MIBL IT
team (for
portal
development)
1 1 3 1
I required
support from
our
2 3 3 Management. 1
1. IT team
–
Ranganathan
& Viswanath
2.
Business
heads : Vikas
Mediratta ,
Shainy Shetty,
Debashish Partners
Roy & Vijay participation
Mehrotra & rating of
1 1 3 1 1 our services
Senior
Management,
2 1 3 Finance, HR 1
1 1 3 Management. 1 1 1 1
successfully.
I also need
the help of
our marketing
alliance team
in order to
advertise the
plan in such a
manner so
that it will
attract more
and more
customers.
I also need
the help of
our policy
making team
so that it will
frame the
policy
keeping in
mind the
different
guidelines
and rules
applicable for
the policy
covered.
Besides this I
also welcome
each and
every
member of
the company
to add more
things to this
idea so that it
can be
implemented
successfully.
I am sure this
idea will
surely
increase the
revenue of
our company.
1 1 3 1
Mr. Amitabh
Dewan
Mr. Rajesh
2 1 3 Sharma 1 1
I required
support from
our
2 1 3 Management. 1 1
Support of
HOD's are
required to
introduce the
IRM
(Insurance
Relationship
Manager) to
1 1 3 insurers. 1 1
Team Support
1 1 3 - Local Level 1
I required
support from
our retail
2 2 3 team. 1 1 1 1
Function :-
Technical
Marketing,
2 1 2 HR and IT 1
The support
of the
following
team will be
required:-
1. The retail
team channel
2. The
support of
SMC for
getting
desired terms
3. A managing
committee
4. Strong
drive with
prescribed
2 1 3 targets 1 1
Mr. Amitabh
Dewan
Mr. Rajesh
5 1 3 Sharma 1
Support from
All vertical
heads to
understand
1 1 3 the products. 1 1 1
Mr. Amitabh
Dewan
Mr. Rajesh
1 1 3 Sharma 1
4 5 3 IT 1
POSP HO
1 1 3 team 1 1 1 1
Product wise
SPOCS will be
required for
the execution
the idea and
support from
Marketing
and
Compliance
3 2 3 team 1
Support
required by IT
team to help
the SPOC in
collation of
Data and
1 1 3 storage 1 1 1
IT and
respective
Business
1 2 3 Heads 1 1
MMFSL team,
call center
team and
MIBL
Marketing HO
1 1 3 team 1 1 1 1
1 2 3 all employees 1
MMFSL team
and MIBL
New and
Retention HO
team Support
1 1 3 required. 1 1 1 1
Support from
Insures are
required to
get the
1 2 3 broker login 1 1 1
Accounts
Team in
helping check
the bills ,
Admin Team
in entering
into
agreements
with the
service
3 3 3 providers 1
MLS and MAS
Team as well
customer
retention
1 1 3 team 1 1
PoSP Team,
Regional
2 1 3 Retail Team 1 1
Marketing
2 1 3 team 1 1
Admin Team
3 1 3 and CS Team 1
Support for
Higher
management
is required to
get this
mandate
1 1 2 letter. 1
Human
Resources,
SMC
members,
Research and
1 2 3 Development 1 1 1
To be decided
at
organisational
1 1 2 level . 1 1 1
Product
Team, IT
Team,
Marketing
Team &
1 1 3 Insurers 1 1 1
IT Team to
send the IVR,
Marketing
Team and
Respective
functional
Heads to
have the IVR
created in
regional
language
Preparation
of the call
script if
customers
show
1 1 3 interest. 1
Reinsurance
Team,
Marketing
Team, SMC &
Insurance
3 1 3 Companies 1 1
IT Dept, Retail
and
2 2 3 Corporate, HR 1 1 1 1
Reinsurance
Team and Market
1 1 3 SMC 1 1 1 visibility
Admin to
decide who
will come
when and
what seats
they will
occupy on the
5 5 1 Ground floor 1
MIBL Senoir
Management,
Mahindra
Group HR and
senior
1 1 3 management. 1 1 1 Digitisation
HO SUPPORT
IS REQUIRED
FOR
IMPLEMENTA
TION OF THE
IDEA TO
DESIGN THE
CONTEST
CRITERIA
ACCORDINGL
1 1 3 Y. 1 1 1
Support from
vertical heads
to identify the
1 2 1 SPOC 1
Senior
Management
/ Business
2 2 3 Excellence 1 1 1
1 1 3 IT team 1 1 1
1 1 3 OMC 1 1 1
Sr
management
1 1 2 support 1
UPPER
MANAGEMEN
T AND LOTS OF
STRATEGY PEOPLE WILL
1 1 3 DEPARTMENT 1 1 JOIN US
IT support,
Business
3 2 3 Head 1 1
RETENTION
1 1 3 HO TEAM 1 1 1
Business
1 1 3 Heads 1
Business
Head and IT
2 3 3 Team 1
HR,
Operations
team and
Accounts and
5 2 3 Finance 1
HO SUPPORT
ESPECIALLY
1 1 3 CCC. 1 1
Product wise
SPOCS will be
required for
the execution
the idea and
support from
Marketing
and
Compliance
3 2 3 team 1
IT and
respective
Business
Operations
1 2 3 team 1
SAJHEDHARI
POSP TEAM
1 1 3 HO 1 1 1 1
HR to design
such a
3 2 3 scheme 1
HO SUPPORT
IS REQUIRED
TO FINALIZE
THE
PRODUCT
PLAN THAT
COULD SUIT
THE
REQUIREMEN
T OF EVERY
2 1 3 EMPLOYEE 1 1
IT support /
Marketing
1 1 3 team support 1 1 1 1
Approval for
extending
Sajhedaari
portal to
MIBL
employees
for issuance
of direct
motor
business,
MMFSL
refinance
policies.
Regular
online
training
program for
1 1 3 this initiative 1 1 1 1
Each and
every
Employee.
Product Head
to provide
training to
our
employees on
various
products so
employee can
generate
leads by using
basic
knowledge of
insurance.
HR Team to
decide
training
calender and
trained
employees in
a regular
2 1 3 interval 1
IT, HR,
ADMIN, HO
operations,
POSP, Wider reach
PAYBHIMA, of customer
CLAIM, VAS, base, stong
1 1 3 BHs and ZHs 1 1 1 1 accessibility
All
department
in our
organization
will have to
support/coor
dinate with
the SPOC.
Department
head will
have to make
sure that all
query is
resolve of the
1 1 3 SPOC. 1 1 1 1
•
Increase in
Brand Value
MARKETING, I through
& S Dept. Positive
3 1 4 Corporate 1 Marketing
operations
Team,
Management
approval for
implementing
this product
2 1 3 & IT Team 1 1
1 1 3 HO TEAM 1 1 1 1
NON-LIFE
RETAIL
1 1 2 DEPARTMENT 1 1 1
Senior
Management
of Mahindra
and Mahindra
Group, SSU
Unit and
Senior
management
1 1 3 of MIBL Team 1 1 1
Important-
we have
video &
digitalization
pamphlet as
supporting
documents to
evaluate for
OMC which
are sending
on mail to
group of
1 1 3 OMC. 1 1
1 1 3 HO TEAM 1 1
POSP TEAM
AND EBM
2 2 3 TEAM 1 1
Retail Head,
ZMs, HO
1 1 3 Team 1 1 1 1
Seniors team
1 2 3 of CCC & RM 1 1 1
H.O Team/ IT
1 1 3 Team 1 1 1 1
Senior
Management
1 1 3 of MIBL 1 1 1
1 1 2 IT team 1 1
HO SUPPORT
1 1 3 IS REQUIRED 1 1
Business
1 1 3 Head 1 1
Insurance
Partners &
Business
Teams,
Marketing
Department,
IT
2 2 2 department 1
IT Team, all
the
departments
for different
kind of
document
formats &
management
2 1 3 approval. 1 1
1) BACK
OFFICE TEAM
2) CLAIM
1 1 3 TEAM 1
HO SUPPORT
2 1 3 IS REQUIRED 1 1
1 1 1 DH, ZM & RM 1 1
NON-LIFE
RETAIL
2 2 3 DEPARTMENT 1
Need review
by OMC &
SMC for
implimentatio
1 1 3n 1
I & S team &
Management
3 2 3 people 1
Operations
team,
management
1 1 3 & IT 1 1 1 1
Need
consideration
& approval
from
1 1 3 Management 1 1
Retention
2 1 3 Team 1 1 1
Group I&S
Team
MIBL Feild
staff
HO Operation
1 1 3 team 1
MMFSL
1 1 3 Team. 1
With the help
of operations
team need to
create entire
flow with call
centre &
Mobile APP
1 1 3 team 1 1 1 1
Avalability of
Paybima.com
1 1 3 asap 1 1 1 1
Seniors &
Management
1 1 3 People 1 1
MMFSL and
2 2 2 MIBL teams 1
Operation
Team
1 1 3 Field Team 1
TEAM WE ALL
WORK
TOGETHER A
1 1 3 SAME GOAL 1 1 1 1
1 1 3 IT 1
Need
approval on
2 2 1 this idea 1
MMFSL and
MIBL
5 2 3 management 1
MMFSL
Branch
ACCOUNTS &
collection
1 1 3 Team 1
NON-Life
2 2 3 Departmaent 1 1
Seniors &
Management
1 1 3 People 1 1
HO Digital
Team support
required for
this activity
also give
training to
local team of
1 2 3 MIBL... 1 1 1 1
Business
1 1 2 Head 1
MIBL Claim
1 1 3 team 1 1
5 2 3 Mibl team 1
MMFSL
Collection &
Business
team
Sales person
1 1 3 of the dealers 1 1 1
MMFSL and
2 2 2 MIBL teams 1
Marketing
1 1 3 team 1
1 1 3 MIBL team 1 1
Seniors &
Management
1 1 3 People 1 1
Call Centre
Heads will be
required to
effect this
change
Any 3
customer
Relationships
and their
managers
1 1 3 1
IT , DOMAIN ,
ACCOUNTS
Support is
1 2 3 required 1 1 1 1
MIBL HO
Operation
Team
MIBL
Accounts
1 1 3 Team 1
MIBL team ,
corporates
M&M and
2 2 3 Non M&M 1
Admin and
2 1 3 accounts 1
Good
customers
1 1 3 data 1
M@M
Seniors group
and Dealers
2 2 3 team 1
CCC team
1 1 3 support 1
MIBL
5 5 3 management 1
IT & I&S
5 1 3 teams 1
Support from
1 1 3 claims team. 1
Management
- IT Team -
Data
Management
system -
Customer
1 1 3 Care. 1 1 1
I&S and
Marketing
5 1 3 Team 1
1 1 3 IT 1 1
Business
1 1 3 Head Retail. 1 1
MIBL HR &
1 1 3 Payroll Teams 1
HR and
3 2 3 management 1 1
HO Product
Head -
MMFSL &
MIBL
M&M
Business
Support
Team.
MMFSL A/C
Head & HO
Team
MIBL digital
2 2 1 support Team 1 1 1
HODs support
1 2 3 is required. 1 1 1 1
HO digital
2 2 3 support team. 1 1 1 1
2 2 3 IT team 1
SENIOR
MANAGEMEN
2 2 3T 1 1
retention
team, back
office for data
1 1 3 validation 1 1 1 1
2 2 3 IT 1 1 1
2 2 3 IT 1 1
2 2 2 HOD 1
2 2 3 IT 1
Head Office
team to
restricture ni
system to
cover MLS
-MAS for such
2 1 3 customers. 1 1
Senior
managment
to work on
idea
3 1 3 suggested 1 1
Need to take
approval from
MMFSL for
additional
funding for
insurance
1 1 3 through MIBL 1 1 1
Open Ended Text Data
Q1
Team Name
No. Response IData

Team Name
1 70144675 Thinkers
Chennai
2 70145677 Super kings
Chennai
Chennai
5 70146535 SAGA
Chennai
7 70146919 BBMT
TEAM
8 70147325 SURAKSHA
Bangalore
9 70147367 warriors
HAJIPUR
10 70147454 CHAMPS
COVID19
11 70147487 WARRIOR
Bangalore
12 70147950 warriors
13 70147970 Gujarat Leos

TEAM MIBL
14 70148048 BHAGALPUR
COVID19
15 70148263 WARRIOR

Ludhiana
17 70148343 Region
Bangalore
19 70148527 SOS
NORTH-EAST
20 70148543 CHURNER
NORTH-EAST
21 70148691 CHURNER
22 70148700 SOS
TEAM KEY
23 70148752 MOVERS
25 70148769 Team Sunrise

Team
26 70148816 Millennial
27 70148887 SOS
Ludhiana
29 70148983 Region

31 70149037 SOS
TEAM MIBL
32 70149044 BHAGALPUR
THE
33 70149221 DOMINATOR
34 70149254 PARASH
TEAM
35 70149447 SUDHAAR
Team
36 70149723 Millennial
THE
THE
Ludhiana
39 70150923 Region
Team
40 70151250 Innovators
NORTH-EAST
41 70151411 CHURNER
42 70152073 ATANU DEY
43 70152110 TEAM QUEST
44 70152234 Energizer
Team
46 70152502 UDAY
Team East-
47 70152583 Kerala
Team
TURBOCHAR
50 70153475 GER
51 70153514 CS-Hyd
Team: Shout
52 70153568 Out
TEAM
54 70154334 SAVIOURS
55 70155290 EVEREST
56 70155340 CS-Hyd
57 70155569 Tamil rockers

58 70156253 CS-Hyd
59 70157054 CS-Hyd
60 70158236 CS-Hyd
61 70158562 Team 1
MOON AND
62 70158812 STARS
63 70159098 Emerald
Idea Thon
64 70159604 Automats
65 70160227 Emerald
66 70160306 Influencers
MAS Game
67 70161606 changers
AATMNIRBHA
68 70161900 R
Team -
69 70162407 MUDRA
70 70163437 CS-Hyd
71 70164003 CS-Hyd
72 70164315 CS-Hyd
73 70164533 CS-Hyd
74 70164784 CS-Hyd
75 70164978 CS-Hyd
76 70165200 CS-Hyd
77 70165428 CS-Hyd
78 70165726 CS-Hyd
79 70165988 CS-Hyd
80 70166216 CS-Hyd
CONCEPT
81 70167707 CREATORS
CONCEPT
CONCEPT
84 70192787 SUPER SIX
85 70193995 SUPER SIX
Team MDRF-
Mahindra
Disaster
Response
86 70201153 Force
let's creat
87 70291503 innovation
MIBL
COMPANY
88 70294933 COST SAVING
let's creat
90 70301692 MLS Yoddha
91 70303211 MLS Rangers

Valley
92 70303456 Warriors
Let's Creat
93 70303937 Innovation
Valley
94 70304040 Warriors
PRAGATI
95 70304463 THINKERS
PRAGATI
Valley
Team
98 70305524 Incredibles
PRAGATI
Valley
100 70306007 Warriors
Team
101 70306346 Incredibles
MAS Game
102 70306986 changers
MAS Game
103 70307342 changers
104 70307735 Ideamasterz

let's creat
MAS Game
106 70308249 changers
107 70308354 Challengers
Strategic
Alliances :
108 70309227 Team1
109 70309532 Mind Benders

FIXER-The
110 70309658 Goal Digger
let's create
112 70310178 Mind-Benders

114 70310711 We Care
115 70310873 Mind Benders

The Fantastic
117 70311142 Four
KALINGA
119 70311548 YEVDHEYA

121 70312403 We CARE

Silent Game
123 70313702 Changers
124 70313746 Pune Lions
125 70313960 Sambandh
126 70314024 We CARE
Silent Game
127 70314427 Changers
128 70314438 Pune Lions
129 70314629 Warriors
130 70314944 Pune Lions
131 70314988 We CARE
Silent Game
132 70315417 Changers
UNNATI
133 70315475 THINKER
Silent Game
134 70315801 Changers
135 70315884 We CARE
Silent Game
136 70316218 Changers
137 70316636 We CARE
Team
138 70316833 ReSustain
The Fantastic
139 70316866 Four
140 70316867 Rubicon
Silent Game
141 70317149 Changers
142 70317327 Rubicon
144 70317637 Rubicon
Silent Game
145 70317806 Changers
Team
CHANDIGARH
147 70318256 REGION
148 70319052 We CARE
149 70319169 PARIVARTAN
150 70319763 Warriors
RAJASTHAN
151 70320339 SPARTANS
The Fantastic
152 70320462 Four
LIONS OF
153 70322146 PATNA
155 70323450 JK TIGER
Chennai -
156 70323804 MIBL
Silent Game
158 70324191 Changers
CHANDIGARH
159 70324219 REGION
160 70324338 Sambandh
Silent Game
161 70324552 Changers
162 70324775 JK TIGER
Silent Game
163 70325094 Changers
CHANDIGARH
164 70325379 REGION
The Fantastic
165 70325426 Four
166 70325480 Team India
167 70325581 Super Six
Thane CCC
168 70325595 Champions
169 70326143 Expert Care
170 70326164 SAKSHAM
171 70326221 IT Warriors
172 70326275 JK TIGER
RAJASTHAN
173 70326400 SPARTANS
174 70326649 Pune Team 1

NASIK
175 70327174 WARRIORS
176 70327300 JK TIGER
HUBLI
177 70327630 LEGENDS
178 70327863 Team India
Ingenious
179 70327884 Squad
Chandigarh
180 70328108 Region
MIBL PUNE
181 70328248 TEAM 2
182 70328275 Warriors
CHANDIGARH
183 70328662 REGION
NASIK
184 70328664 WARRIORS
185 70328785 Sajhedaari +

Dakshina
187 70329312 Kosala Samuh
CHANDIGARH
188 70329632 REGION
Ingenious
189 70329662 Squad
RAJASTHAN
190 70330070 SPARTANS
191 70330075 Team India
Ingenious
192 70330720 Squad
194 70330941 Team India
195 70331044 Trend setters

196 70331066 Super Six
Dakshina
199 70331652 Team India
Ingenious
200 70331690 Squad
Unbeatable
201 70331811 Marathas
202 70331843 Super Six
Covai
203 70331998 Brothers
204 70332206 INCREDIBLES

205 70332242 Team India
Unbeatable
206 70332374 Marathas
MI-IPC
(MAHINDRA
INSURANCE-
IDEA
CREATION
PLATEFORM)
207 70332395
RAJASTHAN
208 70332438 SPARTANS
Ingenious
209 70332579 Squad
MARATHWAD
210 70332610 A WARRIOR
NASIK
211 70332989 WARRIORS
Dakshina
Unbeatable
213 70333212 Marathas
Dakshina
Unbeatable
215 70333630 Marathas
Dakshina
Ingenious
218 70334004 Squad
Grahak
219 70334390 Nishtha
'Team
220 70334453 Kavach'
FANTASTIC
221 70334548 FOUR
Unbeatable
222 70334603 Marathas
MOON
224 70335164 & STARS
MI-IPC
(MAHINDRA
INSURANCE-
IDEA
CREATION
PLATEFORM)
225 70335793
MOON
226 70335838 & STARS
Unbeatable
227 70336115 Marathas
FANTASTIC
228 70336168 FOUR
MOON
229 70336203 & STARS
230 70336794 Temple City
FANTASTIC
231 70337134 FOUR

233 70338625 TEMPLE CITY
FANTASTIC
234 70338966 FOUR
MARATHWAD
236 70340759 A WARRIOR
TELANGANA
237 70341224 PARAGONs
MARATHWAD
A WARRIOR-
238 70343670 NEW
239 70344391 Team 2
240 70349232 SANGHARSH
241 70359382 Impression
The
242 70364917 challengers
The
The
The
246 70377129 SEA HAWK
247 70381233 SEA HAWK
248 70387692 SEA HAWK
Q5
Team Leader Name
No. Response IData

Team LeadTeam LeadTeam MemTeam Memb
Team MemTeam Memb
Team MemTeam Memb
1 70144675 Abc 1234 Pqr 234 Xyz 345 Lmn 768
SM
VALLINAYAGA S Hemanth
2 70145677 M 23174846 N Venkatesh 23073627 Ponnusamy 23194025 Kumar 23196009
SM
sM
GOWTHAMK VAIBHAV
Yeddla Arvind UMAR ANDEWADIKA KUTTALAM
5 70146535 Kumar Yadav 23145501 NAGARAJAN 23208626 R 27004521 PILLAI 27003485
SM
Chandra
Bhushan Digambar Mohammad
7 70146919 Sinha 23234946 Hitesh Thakur 23218838 Pratap Singh 27000479 Salman 23189060
VAIBHAV GOWTHAMK
Yeddla Arvind KUTTALAM ANDEWADIKA UMAR
8 70147325 Kumar yadav 23145501 PILLAI 27003485 R 27004521 NAGARAJAN 23208626
Neeru Aneeta
9 70147367 Vashishth 23183969 Rajesh R 23161592 Kumar V 23201023 George 23222297
ALOK KUMAR SIDDHARTHA

10 70147454 SHARMA 23073622 JHA 23245221 MANI JHA 23231033 AMIT SINGH 23221346
SATISH Abhishek Shailesh
11 70147487 BALESGOL 24009159 Rajguru Patil 23176423 Gawde 24007274 Bhatade 23236429
Neeru Aneeta
ABHISHEK VRAJESH MAHESH JIGNESH
13 70147970 TIWARI 24009315 KANSARA 24009266 PATEL 24009113 BHATT 24009054
CHANDAN SANDIP ABHISHEK
14 70148048 SINGH 23100536 GYAN HARSH 23082342 SHUBHAM 23177152 SINHA 23239337
Satish Abhishek Shailesh
15 70148263 Balesgol 24009159 Rajguru Patil 23176423 Gawde 24007274 Bhatade 23236429
Tarun Ashish Pradeep
17 70148343 Vadhera 24009009 Anil Kumar 23115976 Wadhwa 23141472 Kumar 23077682
Neeru Aneeta
SANJAY ASHWINI
CHANDRAKA ANAND
19 70148527 Amit Gade 23139843 NILESH AMBE 24009042 NT DHURI 24009123 TIRODKAR 23093833
DIGANTA RUPAK TAPASHYA
20 70148543 KUMAR DAS 23090741 BORAH 23080323 SUMAN ROY 23095167 BARUA 23200050
SANJAY ASHWINI
CHANDRAKA ANAND
VAIBHAV GOWTHAMK
Yeddla Arvind ANDEWADIKA UMAR KUTTALAM
23 70148752 Kumar Yadav 23145501 R 27004521 NAGARAJAN 23208626 PILLAI 27003485
KEDAR SHAILESH
VARSHA MURDESHWA KARANGUTKA
25 70148769 SACHIN PATIL 24009043 NARAYANAN 23170032 R 23097701 R 23238093
SANGRAM
26 70148816 SANDEEP GILL 23227614 GAMBHIR 27004423 KUNAL RAJ 23221466 AMIT SINGH 23204377
SANJAY ASHWINI
CHANDRAKA ANAND
SANJAY ASHWINI
CHANDRAKA ANAND
31 70149037 Amit Gade 23139843 Nilesh Ambe 24009042 NT DHURI 24009123 TIRODKAR 23093833
CHANDAN SANDIP ABHISHEK
32 70149044 SINGH 23100536 GYAN HARSH 23082342 SHUBHAM 23177152 SINHA 23239337
SANJEEV ANAND PRAVEEN
33 70149221 KUMAR 23134213 MOHAN 23220512 MISHRA 23177880 AMIR SHAKIL 23239019
SANJAY SANDEEP BHAWANI

34 70149254 VIJAY KUMAR 24009167 KUMAR 23234863 SINHA 23069235 BANERJEE 23134955
VAIBHAV GOWTHAMK
Yeddla Arvind ANDEWADIKA UMAR KUTTALAM
35 70149447 Kumar Yadav 23145501 R 27004521 NAGARAJAN 23208626 PILLAI 27003485
SANGRAM
36 70149723 SANDEEP GILL 23227614 GAMBHIR 27004423 KUNAL RAJ 23221466 AMIT SINGH 23204377
Mr. Vibu Madhura Anant Siddhesh
40 70151250 Dwivedi 27004631 Mane 24009019 Mungekar 24009181 Zodge 24007275
SASANKA MUKUL SONU
42 70152073 ATANU DEY 24009250 SAHA 23116335 KASHYAP 23071139 PANDEY 27001806
RANJAN BRAJESH SUNNY
43 70152110 KUMAR 24009293 KUMAR 23139258 KUMAR 23083033 AMIT KUMAR 23123313
Satish Vallinayagam
44 70152234 Rajguru Patil 23176423 Balesgol 24009159 Nilesh Verma 23197178 M 23174846
Madhura Anant Siddhesh
45 70152299 Vibu Dwivedi 27004631 Mane 24009019 Mungekar 24009181 Zodge 24007275
SM
VALLINAYAGA SATISH RAJGURU
46 70152502 M 23174846 BALESGOL 24009159 NILESH 23197178 PATIL 23176423
47 70152583 Sandeep 24009073 Rijesh N 24009103 Vikas 23151372 Suraj 23146183

Madhura Anant Siddhesh
49 70152647 Vibu Dwivedi 27004631 Mane 24009019 Mungekar 24009181 Zodge 24007275
Satish Pranavsing Pravin
50 70153475 Balesgol 24009159 Rajguru Patil 23176423 Vaghela 24009149 Junnare 23147546
Madhu
51 70153514 DS Acharyulu 23176418 G Manjari 27004709 Sai Meghnath 23196111 Gudala 23221652
Mr. Pravin SACHIN
52 70153568 Bhasate 23148391 ALOK PANDEY 23140742 DUBEY 23154078 SANDEEP GILL 23227614
ATHUL
54 70154334 Sandeep 24009073 RINOOB KP 23106716 SIJU DEVASIA 23109918 SURESH 23231268
BIJU KUMAR
55 70155290 BALAJI V 24009023 AJITH N C 23070439 BINU D 27001091 B 23132474
Madhu
56 70155340 DS Acharyulu 23176418 G Manjari 27004709 Sai Meghnath 23196111 Gudala 23221652
M
57 70155569 R Raj Kumar 24009049 Manoharan 23126057 T Boopathi 23126048 C Sivan 23199051
58 70156253 DS Acharyulu 23176418
59 70157054 DS Acharyulu 23176418
60 70158236 DS Acharyulu 23176418

61 70158562 Prajeesh P 24009028 Vijith M 24009261 Aswajith N 23074084 Vijosh T 23127483
HARIHARA
SUBRAMANIA PURUSHOTHA
62 70158812 BALAJI V 24009023 ML 24009210 ANVER E H 23119054 MAN M 23228143
Gowthamku
63 70159098 Raj Jose 23106947 mar 23208626 Akhil P K 23192222 Hari S 23233221
Pravin Pramod
64 70159604 Junnare 23147546 Chavan 24009029 Swati Patil 24009085 Ajit Uttekar 23227003
Gowthamku
65 70160227 Raj Jose 23106947 mar 23208626 Akhil P K 23192222 Hari S 23233221
66 70160306 Sanjay Inchal 23163059 Savitha C 27000064 Rohini M 23153953 Girish G 23156523
Yogesh
67 70161606 Sanjay Dhuri 24009123 Nilesh Ambe 24009042 Amit Gade 23139843 Utekar 23108732
ABHAY
PRATAP ASHISH VIVEK YASHRAJ
68 70161900 SINGH 24009254 PANDEY 24009269 MISHRA 24009271 VERMA 24009289
SUMAN
ANKUR KUMAR
69 70162407 Ajnabi Prasad 23071767 UDAY SINGH 23180501 BANERJEE 23080642 MISHRA 27004653
70 70163437 DS Acharyulu 23176418
71 70164003 DS Acharyulu 23176418

72 70164315 DS Acharyulu 23176418
73 70164533 DS Acharyulu 23176418
74 70164784 DS Acharyulu 23176418
75 70164978 DS Acharyulu 23176418
76 70165200 DS Acharyulu 23176418
77 70165428 DS Acharyulu 23176418
78 70165726 DS Acharyulu 23176418
79 70165988 DS Acharyulu 23176418
80 70166216 DS Acharyulu 23176418

81 70167707 ANUP NAYAK 23218770 SWAMI 23175004 MUSALE 23148905 SHINDE 23177813
SUMAN SUMAN
BHATTACHAR BHATTACHAR SYLVIA PRANAB
84 70192787 JEE 23066907 JEE 23066907 MAZUMDER 23065873 KHATUA 23120484
SUMAN SUMAN
BHATTACHAR BHATTACHAR SYLVIA PRANAB
85 70193995 JEE 23066907 JEE 23066907 MAZUMDER 23065873 KHATUA 23120484
NILESH SATISH VALLINAYAGA RAJGURU
86 70201153 VERMA 23197178 BALESGOL 24009159 M 23174846 PATIL 23176423
pawan nirbhay dheerendra
87 70291503 sharma 24009086 pandey 24009081 soni 23236490 swati ojha 23083041
Manmohan Shailendra
88 70294933 band v 24009087 Patel 23180528
PAWAN DHEERANDRA NIRBHAY SWATI

89 70297753 SHARMA 24009086 SONI 23236490 PANDEY 24009128 SHARMA 23083041
Snehal Swaraj
90 70301692 Nilesh Ambe 24009042 Amit Gade 23139843 Prajapati 23137684 Merwade 23220227
Yogesh
91 70303211 Nilesh Ambe 24009042 Amit Gade 23139843 Sanjay Dhuri 24009123 Utekar 23108732
92 70303456 Nisha Vyas 24009147 Deepak garg 23076708 Joginder pal 23070941 Ranjeet Singh 23239154
Pawan Nirbhay Dheerendra Narendra
93 70303937 Sharma 24009086 Pandey 24009128 Soni 23236490 Choursiya 23221101
94 70304040 Nisha Vyas 24009147 Deepak Garg Deepak Garg Joginder pal 23070941 Ranjeet Singh 23239154
ANITA SUBHA DE AVISHEK SUBHASH
95 70304463 SHARMA 24009231 BISWAS 24009250 BISWAS 23149798 DAS 23173853
97 70305320 Nisha Vyas 24009147 Deepak Garg 23076708 Joginder pal 23070941 Ranjeet Singh 23239154
Devender Muhammad
98 70305524 Amit Arora 24009079 Bhardwaj 27003321 Aarif 27005925 Amandeep 27004575
100 70306007 Nisha Vyas 24009147 Deepak Garg 23076708 Joginder pal 23070941 Ranjeet Singh 23239154
Devender Muhammad
101 70306346 Amit Arora 24009079 Bhardwaj 27003321 Aarif 27005925 Amandeep 27004575
Yogesh
Yogesh
Roshan Naveen
104 70307735 verma 24009327 dahiya 23188248 Satish 23242433 Ravi 27008077
PAWAN SWATI
105 70307849 SHARMA 24009086 SHARMA 23083041
Yogesh
BIPLAB MANTOSH
107 70308354 GHOSH 24009194 LAB KIRTANIA 24009237 KARMAKAR 27006528 FALGUNI DAS 23162609
Sumit Sandeep Saurabh Prasad
108 70309227 Banerjee 24009258 Nayak 27001010 Gupta 23218759 Abhnawe 23232996
ANUBHA
Anish Kumar BHARDWAJ PRADEEP
109 70309532 Singh 23146266 Amrit Sen 23135245 MUDGAL 27004442 SHARMA 23209955
Rameshwar
110 70309658 Sanjeev Sinha 23151172 Ashish Ganjoo 23205162 sharma 23242487 Pratik Jaiswal 23179956
PAWAN SWATI NIRBHAY DHEERENDRA
111 70309707 SHARMA 24009086 SHARMA 23083041 24009128 PANDEY 23236490 SONI
Navdeep Manish
112 70310178 Pradhan 23213231 Manish Goel 23066906 Mangal 23243041 Dr. Dipa rani 23173840
BIPLAB MANTOSH
NEHA RAJESH
BALAKRISHNA SURESH YOGESH SHEETAL
114 70310711 N 23149744 YADAV 23079937 SHUKLA 23235505 BANDI 23067063
ANUBHA
Anish Kumar BHARDWAJ PRADEEP
115 70310873 Singh 23146266 Amrit Sen 23135245 MUDGAL 27004442 SHARMA 23209955
BIPLAB MANTOSH
GURU PATRICIA
117 70311142 P Garima 27004101 PRASAD D.B. 23069882 JOSEPH 27007877 RAVITEJA K 23244954
BHAVIN
Yogesh ABHINAV BHASKAR NIKHIL
118 70311245 Jadhav 27002242 SINHA 23220228 SANGHAVI 23102375 MHATRE 23178705
SANDEEP DEBADATTA RAMKRISHNA GIRIJA

119 70311548 NAYAK 27001010 MUDULI 24009183 ROUT 24009249 MISHRA 27004094
Navdeep Manish
120 70312139 Pradhan 23213231 Manish Goel 23066906 Mangal 23243041 Dr. Dipa Rani 23173840
NEHA RAJESH
Navdeep Manish
122 70312527 Pradhan 23213231 Manish Goel 23066906 Mangal 23243041 Dr. Dipa Rani 23173840
Sanjiv Rahul
123 70313702 Chandnani 23074268 Atul Anand 23216066 Velinker 23162623 Sumeet Kotak 23244710
Pravin VISHAL SUJIT

124 70313746 Veerain Kaul 27003777 Bhasate 23148391 KSHIRSAGAR 23089776 JAGADALE 23183080
SUMITRA ZENOBIA
Sucheta KRISHNAMUR ZULFIKAR
125 70313960 Parijat Pushp 23224482 Menon 23233196 THY 23141713 VASI 23102851
NEHA RAJESH
Sanjiv Rahul
Pravin VISHAL SUJIT

Pranab
129 70314629 Rakesh kumar 23139027 Upadhyaya 23202056 Rajib Das 23177041 Kunal Raj 23221466
Pravin VISHAL SUJIT

NEHA RAJESH
Sanjiv Rahul
SUBHASISH GOPAL
133 70315475 BIPLAB DAS 23070934 ROY 27004093 MAZUMDAR 27005434 SYED ALI 27004531
Sanjiv Rahul
NEHA RAJESH
Sanjiv Rahul
NEHA RAJESH
Prathamesh Yegnanarayan
138 70316833 Nalawade 27001741 Nitin Firke 27008079 Thyagarajan 23077787 Alpin Dani 23148387
GURU PATRICIA
139 70316866 P Garima 27004101 PRASAD D.B. 23069882 JOSEPH 27007877
Anurag DEEPTI
140 70316867 Jasmine Kaur 23135246 Ajitesh Bhalla 23245013 Pahwa 27008070 SHARMA 27000267
Sanjiv Rahul
Anurag DEEPTI
Yegnanarayan
Prathamesh an
143 70317632 Nalawde 27001741 Nitin Firke 27008079 Thyagarajan 23077787 Alpin Dani 23148387
Anurag DEEPTI
Sanjiv Rahul
Prathamesh Thyagrajan
146 70318093 Nalawde 27001741 Nitin Firke 27008079 Yegnanarayan 23077787 Joydeep Das 27004825
SARVESH RAKESH SURESH
147 70318256 THAKUR 24009093 LAKHIR SIDHU 23149931 KUMAR 23139696 KUMAR 27000068
NEHA RAJESH
NILESH SATISH VALLINAYAGA RAJGURU
149 70319169 VERMA 23197178 BALESGOL 24009159 M 23174846 PATIL 23176423
Rakesh
150 70319763 Kumar 23139027 Kunal Raj 23221466 Ratul Deka 23185246 Rajib Das 23177041
MUKESH NISHITH RAVI BHUPENDRA
151 70320339 SHARMA 24009037 KHATRI 23240053 BHARAVA 24009012 SINGH 24009338
GURU PATRICIA
SATISH PRAKASH ANJEET
153 70322146 KUMAR 23116481 KUMAR 27004509 PRATIK SINGH 23112857 KUMAR 23134609
NILESH VINEET SATISH AMIT
154 70323331 VERMA 23197178 BHATIA 24009105 YADAV 24009234 LUHACH 23236499
MANOJ RAKESH SOURABH
155 70323450 SHARMA 24009099 RISHI RAJ 23082247 RAINA 23175411 RAINA 23205347
Bharanikumar Vinothkumar Kumarakrishn
156 70323804 S 24009314 J 23184332 an 23221594 Tamilarasan 23245317
NILESH VINEET SATISH AMIT
157 70323877 VERMA 23197178 BHATIA 24009105 YADAV 24009234 LUHACH 23236499
Sanjiv Rahul
SUMITRA ZENOBIA
SUCHETA KRISHNAMUR ZULFIKAR
160 70324338 Parijat Pushp 23224482 MENON 23233196 THY 23141713 VASI 23102851
Sanjiv Rahul
Sanjiv Rahul
GURU PATRICIA
Gurpreet
166 70325480 Ramneek Jain 24009166 Anuj Chauhan 23152323 Singh 23199773 Atul Monga 27004370
SWATI
RAHUL PRASHANT VISHNU
167 70325581 Sunil Mayekar 24009067 VELINKER 23162623 PHANSE 24009108 SAWANT 24009085
NIKHIL NABARUN VIJAY
168 70325595 NAMBIAR 23166580 FEROZ KHAN 23171877 DUTTA 23187906 HANDORE 23189310
MRS.
MR. JOJI MR. GANESH MRS. KAVYA MADHURA
169 70326143 JACOB 24009152 JOSHI 23176506 SHETTY 23189543 DSOUZA 27004385
Satish Rahul
170 70326164 Balesgol 24009159 Velinkar 23162623 Rajguru Patil 23176423 Nilesh Verma 23197178
Utkarsha Santosh
171 70326221 Zeenat Badi 27006616 Pednekar 27003151 Kumar 24003054 Nafiz Khalife 27004524
MUKESH RAVI BHUPENDRA KULDEEP
173 70326400 SHARMA 24009037 BHARAVA 24009012 SINGH 24009338 KUMAWAT 23093362
Mrs. Archana Swanand Rajshri Reena

174 70326649 Zalake 23241329 Argade 23236868 Chaudhari 23239289 Madiman 23242360
RAVINDRA SANDIP RUPALI PRAFULLA
175 70327174 SARODE 24009137 PALOD 23083005 DESHMUKH 23082772 SHISODE 23106576
SHANKAR GURUBASAYY VISHWANATH

177 70327630 SHIGLI 24009111 A HIREMATH 23089997 .C 23136924 ARUN PATIL 23128459
Gurpreet
MEDINI MRINAL SANKAR

179 70327884 MAJUMDAR 24010519 KALITA 23110088 NAYAN HALOI 23135824 HAZARIKA 23199392
Sarvesh Manisha
180 70328108 Thakur 24009093 Sharma 24009190
Mrs. Namrata Pavan

181 70328248 Gore 23236030 Bhadule 23195786 Ankit Borkar 23222294 Kirti Todkari 27003845
Pranab Manab
182 70328275 Rakesh kumar 23139027 Kunal Raj 23221466 Upadhyaya 23202056 Baishya 27004569

Varada Akash Varun
185 70328785 kulkarni 27003186 Wadhwani 27004424 Gangurde 27000364 Ganesh Patil 23166734
Utkarsha Santosh
186 70328823 Zeenat Badi 27006616 Padnekar 27003151 Kumar 24003054 Nafiz Khalife 27004524
RAJESH SAGAR PRASOON AKHILESH

187 70329312 KUMAR DASH 24009045 YADAV 24009083 KUMAR 23188927 GUPTA 23090750

MUKESH NISHITH RAVI BHUPENDRA
190 70330070 SHARMA 24009037 KHATRI 23240053 BHARAVA 24009012 SINGH 24009338
Gurpreet

Utkarsha Santosh
Gurpreet
Manju
195 70331044 Simi Joseph 23159403 Nisha Nair 24009120 Thirunilath 23071781 Deepa M M 23078411
SWATI
RAHUL PRASHANT VISHNU
196 70331066 Sunil Mayekar 24009067 VELINKER 23162623 PHANSE 24009108 SAWANT 24009085

Utkarsha Santosh
Gurpreet

Mahesh Aditi Badal Sachin
201 70331811 Naikar 24009000 Sherlekar 24009139 Mujawar 24009066 Kumbhar 24009304
SWATI
SUNIL RAHUL PRASHANT VISHNU
202 70331843 MAYEKAR 24009067 VELINKER 23162623 PHANSE 24009108 SAWANT 24009085
SHANMUGAV THIRUMURTH
203 70331998 A PRABHU 24009040 EL M 23227905 MANOJ R 23233008 Y 23154842
PRIYA PRAKASH SATISH Bhavika
204 70332206 BAWLEKAR 24009114 MAHAMUNI 23122573 CHETIWAL 23188328 Rathod 23077751
Gurpreet
SANTOSH RAHUL SWATI PRIYANKA
207 70332395 GUNDIYA 24009321 PANDEY 23069233 SHARMA 23083041 PARMAR 23121719
MUKESH RAVI BHUPENDRA KULDEEP
208 70332438 SHARMA 24009037 BHARAVA 24009012 SINGH 24009338 KUMAWAT 23093362

VIJAYKUMAR
SANDEEP SACCHIDANA DHUMANSUR
210 70332610 ANIL NAGE 24009071 JADHAV 23108535 ND DINDORE 23136022 E 23235508



PRIYA PRAKASH SATISH BHAVIKA
216 70333807 BAWLEKAR 24009114 MAHAMUNI 23122573 CHETIWAL 23188328 RATHOD 23077751


Kishore Vikas Ganesh
219 70334390 Sachin Nair 23230969 Bhaskar 23218775 Mediritta 23105089 Srinivasan 23244723
Keshav Yashwant Raju Sandip
220 70334453 Giranje 24009030 Bahirat 24009031 Mandaokar 23076719 Waghale 23201555
SUNIL S. RAHUL SUVIDHA MAHESH
221 70334548 MAYEKAR 24009067 VELINKER 23162623 MHATRE 23103411 THORAT 24009109
BIJU KUMAR
SANTOSH RAHUL SWATI PRIYANKA
225 70335793 GUNDIYA 24009321 PANDEY 23069233 SHARMA 23083041 PARMAR 23121719
BIJU KUMAR
BIJU KUMAR
KADHAR MANOJ MANIKANDA
230 70336794 SADIQ S 23077482 KUMAR S 23154411 KANNAN P 23234504 NG 23222918
KADHAR S Manoj N
233 70338625 SADIQ S 23077482 Kumar 23154411 Thirumoorthy 23154842 S Ragupathi 23126041
PRIYA PRAKASH SATISH BHAVIKA
235 70339531 BAWLEKAR 24009114 MAHAMUNI 23122573 CHETIWAL 23188328 RATHOD 23077751
VIJAYKUMAR
SANDEEP SACCHIDANA DHUMANSUR
236 70340759 ANIL NAGE 24009071 JADHAV 23108535 ND DINDORE 23136022 E 23235508
PEER BHASHA RAJASHEKAR. SRINIVAS

237 70341224 PRAMITH.R.K 24009100 SHAIK 27004477 P 23235360 PUJARI 23139392
VAIBHAV KAILAS JAYWANT
238 70343670 ANIL NAGE 24009071 JADHAV 23198296 THOMBRE 27002008 KADAM 23136018
239 70344391 Prajeesh P 24009028 Sumesh V 23243811 Naveen KV 24009363 Jithin E 27000640
ARVIND PRAVEEN KULDEEP NAREH
240 70349232 KUMAR 24009020 PUNIA 24009061 SHARMA 23125561 KUMAR 23181099
PABITRA ANIRUDHA KUSH BISWAJIT DEY
241 70359382 BOSE 23091897 SINHA 23089999 KIRTANIA 23134154 -MIBL 23174926
VAIDYA POONAM RACHEL PRIYA
242 70364917 PALLAVI 24009179 JADHAV 23106719 CASTELINO 23140719 SAWANT 23077479
UMESH V
ANABHAWAN KASHIRAM VINAYAK
246 70377129 E 24009154 KAMBLE 24009117 SAGAR PATIL 23216530 BHAGAT 23100707
UMESH V
UMESH V
Team MemTeam Memb
Team MemTeam Member 5 Emp Code
Ghh 567 Rdgg 278
Kuttalam
N Rajesh 23198768 Pillai 27003485
Kuttalam
N Rajesh 23198768 Pillai 27003485
Kuttalam
N Rajesh 23198768 Pillai 27003485
Kuttalam
N Rajesh 23198768 Pillai 27003485
Mohan
Chandra
Chhimwal 23127320
UMANG PRADIP
RAVAL 23149253 PARMAR 23187202
AATISH
KUMAR 23224373
UMANG PRADIP
RAVAL 23149253 PARMAR 23187202
Raman Rakesh
Kataria 23234154 Kumar 23177818
RICHA VIVEK ABHISHEK

TRIVEDI 23108201 MOHAN RAO 23081052
PROBIN RAJ SEKHAR
SAIKIA 23200811 DEKA 23181061
PROBIN RAJ SEKHAR
SAIKIA 23200811 DEKA 23181061

UMANG PRADIP
RAVAL 23149253 PARMAR 23187202
ANDRE
PEREIRA 23161786

UMANG PRADIP
RAVAL 23149253 PARMAR 23187202
Raman Rakesh
Kataria 23234154 Kumar 23177818
UMANG PRADIP
RAVAL 23149253 PARMAR 23187202

AATISH
KUMAR 23224373
ROHIT SINGH 27004293
NISHANT SUBODH
BHARDAWAJ 27004772 KUMAR RAI 23213133
ROHIT SINGH
ROHIT SINGH 27004293

Raman Rakesh
Kataria 23234154 Kumar 23177818
Shaila
Sonawane 24008462
PROBIN RAJ SEKHAR
SAIKIA 23200811 DEKA 23181061
NANTU
KUNDU 23134390 PRIYA LAMA 23234829
AMIT OJHA 23231032 N/A N/A
Pabitra Bose 23091897

Shaila
Sonawane 24008462
PABITRA
BOSE 23091897
Visnu Aneesh
Narayanan 23161260 Achuthan 23151372

Shaila
Sonawane 24008462
Amol Mangesh
Anbhavane 23081050 Shirke 24009098
Kranthi Bandi
Calpakam 23246044 Srikanth 23223547
SANGRAM RAJGURU
GAMBHIR 27004423 PATIL 23176423
NYJU K 27001818 RIYAS E 27006311

AJITH KUMAR SANAL
R 23150576 KUMAR C S 23180968
Kranthi Bandi
Calpakam 23246044 Sreekanth 23223547
P Srinivasan 27003110 R Raja 27000371
Sajeesh 23127483 Sahin M 23238185
AJAL KRISHNADAS
PAULOSE 27001035 B 27002847
Hazeena 23238682
Alphonso
Joanita 24009084
Hazeena 23238682
Snehal
Prajapati 23137684 Atul Kanojia 27004348
SUJEET
ASHISH PURI 24009080 SRIVASTAVA 24009176
ALOK KUMAR UDAY CHAND

CHOUDHARY 23161222 DAS 23197070
PANTU
SK ANSAR 23139727 SARKAR 23164373
PANTU
SK ANSAR 23139727 SARKAR 23164373
MANMOHAN
SINGH 27000474 AMIT SINGH 23204377
narendra
chourasiya 23221101
NARENDRA
CHOURASIYA 23221101
Sagar Chitale 27001474 Atin Rajput 27003782

Snehal Swaraj
Prajapati 23137684 Merwade 23220227
Pawan Kumar 23176109 Ajay Kumar 23125421
Swati Ojha 23083041 Rahul Lakhera 23147715

NAINIK BISWAJIT
RUDRA 27005796 MAJUMDER 23198726
NAINIK BISWAJIT

Arvinder
Jagjit Singh 23236428 Singh 27004181
NAINIK BISWAJIT

Arvinder
Jagjit Singh 23236428 Singh 27004181
Snehal
Snehal
Snehal
KISHALAYA SOUMITRA
DAS 27003883 PHANI 23238647
Kishore
Amit Nain 27007866 Bhaskar 23218775
SIDDHARTH
GOEL 23245565
Apoorva Tyagi 23246048

NARENDRA
23221101 CHAURASIYA
Sunny Kumar 23231165

KISHALAYA SOUMITRA
DAS 27003883 PHANI 23238647
NITIN
GOVALKAR 23102006
SIDDHARTH
GOEL 23245565
KISHALAYA SOUMITRA
DAS 27003883 PHANI 23238647
PARASHRAM
ARDALKAR 24006449
PRADEEP
KUMAR PRABASH
PANDA 23132921 DASH 27000863
NITIN
GOVALKAR 23102006

Shashank
Ramgiri 27001989
MAHESH SAMBHAJIRA
JADHAV 23186204 O JAMDADE 23116440
VARADA
DINKAR
KULKARNI 27003186
NITIN
GOVALKAR 23102006
Shashank
Ramgiri 27001989
MAHESH SAMBHAJIRA
Manab
Ratul Deka 23185246 Baishya 27004569
MAHESH SAMBHAJIRA
NITIN
GOVALKAR 23102006
Shashank
Ramgiri 27001989
RAJU KUMAR KUSH

DASS 23181585 KIRTANIA 23134154
Shashank
Ramgiri 27001989
NITIN
GOVALKAR 23102006
Shashank
Ramgiri 27001989
NITIN
GOVALKAR 23102006
Chinmay
Joydeep Das 27004825 Brahme 23197183
Harish
Chandra 27008076
Shashank
Ramgiri 27001989
Harish
Chandra 27008076
Chinmay
Joydeep Das 27004825 Brahme 23197183
Harish
Chandra 27008076
Shashank
Ramgiri 27001989
Chinmay
Alpin Dani 23148387 Brahme 23197183
NARESH MANISHA
KUMAR 23200570 SHARMA 24009190
NITIN
GOVALKAR 23102006
PABITRA
BOSE 23091897
Manab Pranab
Baishya 27004569 Upadhyaya 23202056
KULDEEP LAXMAN
KUMAWAT 23093362 SINGH 23152149
KAUSHIKA SWETA
SHRIYA 27004250 KUMARI 23167139
AGNIVESH GAURAV
SANGWAN 24009178 SHARMA 23217976
MUJEEB MANOJ
KOUL 23196558 KUMAR 23135922
Palanivel V 24009350 Jaganathan S 27004202

AGNIVESH GAURAV
SANGWAN 24009178 SHARMA 23217976
Shashank
Ramgiri 27001989
NARESH MANISHA
KUMAR 23200570 SHARMA 24009190
VARADA
DINKAR
KULKARNI 27003186
Shashank
Ramgiri 27001989
MUJEEB MANOJ
KOUL 23196558 KUMAR 23135922
Shashank
Ramgiri 27001989
NARESH MANISHA
KUMAR 23200570 SHARMA 24009190
Jasveer Singh 23242528 Deepak 23175407
SONAL
SUSHANT PRIYA
PATIL 24009360 BAWLEKAR 24009114
MUTHU PRASHANT
NADAR 23172297 KAMBLE 23187905
MRS. RIYA MR. SANDIP

VALECHA 23186852 DESAI 23112692
Deepak
Vaishnavi 27008083
MUJEEB MANOJ
KOUL 23196558 KUMAR 23135922
LAXMAN RAJSHREE
SINGH 23152149 SHEKHAWAT 23220326
Pooja Khade 23241329

CHANDRAKA
VIJAY PATIL 23126260 NT BACHHAV 23208464
MUJEEB MANOJ
KOUL 23196558 KUMAR 23135922
VENKATESH KRISHNAMUR
AKKOLKAR 23202031 THY.D 23116307
PRIYANKU
PRITAM
UZZAL DAS 23195483 SAIKIA 23238880
Dattatray
Omble 27003208
Ratul Deka 23185246 Rajib Das 23177041

NARESH MANISHA
KUMAR 23200570 SHARMA 24009190
CHANDRAKA
Deepak
Vaishnavi 27008083
AKHILESH GAURAV
PANDEY 24009288 VERMA 23070946
NARESH MANISHA
KUMAR 23200570 SHARMA 24009190
PRIYANKU
PRITAM
KULDEEP RAJSHREE
KUMAWAT 23093362 SHEKHAWAT 23220326
PRIYANKU
PRITAM
Deepak
Vaishnavi 27008083
Dileep Antony 23216392 Rajesh M R 23236285
SONAL
SUSHANT PRIYA
AKHILESH GAURAV
PANDEY 24009288 VERMA 23070946
Deepak
Vaishnavi 27008083
PRIYANKU
PRITAM
SONAL
SUSHANT PRIYA
JAYKUMAR S 24005666 PRAKASH 27004798
Jyoti waykar 23236542
AKHILESH
SHARMA 23137577 ROHIT GUPTA 23135015
LAXMAN RAJSHREE
SINGH 23152149 SHEKHAWAT 23220326
PRIYANKU
PRITAM
SAMIKSHA MANMOHAN
SHINDE 23073350 BHANDIA 24009276
CHANDRAKA
AKHILESH GAURAV
PANDEY 24009288 VERMA 23070946
AKHILESH GAURAV
PANDEY 24009288 VERMA 23070946
JYOTI
WAYKAR 23236542
AKHILESH GAURAV
PANDEY 24009288 VERMA 23070946
PRIYANKU
PRITAM
Sundar T 27004255 V Sumesh 23243811
Leena Chavan 23079979

AJITH KUMAR SANAL
R 23150576 KUMAR C S 23180968
AKHILESH
SHARMA 23137577 ROHIT GUPTA 23135015
AJITH KUMAR SANAL
R 23150576 KUMAR C S 23180968
AJITH KUMAR SANAL

R 23150576 KUMAR C S 23180968
THIRUMOORT
RAGUPATHI S 23126041 HY N 23154842
G
Manigandan 23222918 P KANNAN 23234504
SAMIKSHA MANMOHAN
GOVARDHAN
GOUD 27003707 SUNIL REDDY 27001853
SAMIKSHA MANMOHAN
Bineesh
Prashanth Rai 23124837 Abraham 27000629
NAVEEN
SHARMA 23106690 SHIVAM GHAI 23112359
DEBASIS SAUGATA
MAITY 23216759 SAHA 23236621
SANTOSH
GAWDE 23070953
SANTOSH
GAWDE 23070953
SANTOSH
GAWDE 23070953
SANTOSH
GAWDE 23070953
SANGRAM
ARTI KADAM 24007568 GAMBHIR 27004423
SANGRAM
SANGRAM
Q4
Idea Name
No. Response IData

Idea Name
Profits
1 70144675 zooming
Retention
Improvement
through Claim
2 70145677 analysis Data
Retention
Improvement
through
Fringe
3 70145867 Benefits
MMFSL
Retention
Improvement
through EMI
4 70146021 Option
SAGA-.
SafeGuard
5 70146535 our Assert
Cost
Reduction
through
managing the
6 70146586 expenses
Increase in
7 70146919 Revenue
APNA
MAHINDRA
APNO KE
8 70147325 SAATH
Improving
Efficiency
Decreasing
Carbon
9 70147367 footprints
• Cost
Reduction
10 70147454 Measures
Development
of an
Integrated
Platform
enabling
employees to
get
information
and means to
connect with
relevant
stakeholders
such as
Testing
Centres,
Doctors,
Quarantine
Centres and
Hospitals in
case if they
have COVID
syptoms or
diagnosed
with COVID-
11 70147487 19
Your
Insurance
Solution
12 70147950 Partner
1. Cost
13 70147970 Reduction
Centralized
What's App
14 70148048 NUMBER
Development
of an
Integrated
Platform
enabling
employees to
get
information
and means to
connect with
relevant
stakeholders
such as
Testing
Centres,
Doctors,
Quarantine
Centres and
Hospitals in
case if they
have COVID
syptoms or
diagnosed
with COVID-
15 70148263 19
Re-Designing
of Incentive
Slab for
MMFSL
Collection
16 70148271 Team
Mobile Bill
17 70148343 Expenses
Enhancing
Customer
18 70148427 Stickiness
100% Sales
enabled
Organization
through
19 70148527 Sajhedaari
Adapting
Customer
enhancing
programmes
20 70148543 / Services
Adapting
Customer
enhancing
programmes
21 70148691 / Services
Retail
customer /
Corporate
customer
Lead
generation
contest for
Non-Sales
22 70148700 employees
23 70148752 PAHACHAAN
Customer
Engagement
24 70148761 Program
Increase
Customer
reach through
digital
channels to
Interact via
our website -
' Increase
Online
25 70148769 Experience'
Insurance
virtual
digitalization
through all
solutions with
'One
Mahindra'
26 70148816 App.
Reduction in
costs of
incentive
schemes/
contests run
27 70148887 through MIBL
Introduction
of Exclusive
Mediclaim
28 70148891 Policy
Online
Payment
Mode
29 70148983 Preffered
Eligibility of
Co-Borrower
for MLS
30 70149017 & MAS
Cost
reduction
measures
based on data
analysis of
‘cost to
31 70149037 output ratio’
Customized
CRM Portal
32 70149044 For Renewal
COST
REDUCTION
IN TERMS OF
33 70149221 PROFIT.
HEALTH KA
34 70149254 TRAP
SUDHAAR
-Impact of
35 70149447 Branding
Insurance
virtual
digitalization
through all
solutions with
'One
Mahindra'
36 70149723 App.
37 70149816 PosP BONUS
MAS
PREMIUM
THROUGH
38 70150627 INSTALLMENT
Renewal MSG
To the
39 70150923 Customers
Reduce
expenses by
introducing
new travel
40 70151250 fare policy
SMART
STRATEGIES
TO GENERATE
MORE
INCOME
DURING
COVID- 19
41 70151411 PANDEMIC
CaP (when
Customer
becomes our
42 70152073 Promoter)
BUSINESS VIA
MMFSL
43 70152110 EMPLOYEE
POSP in a
New Avatar :
Point of
Solution
44 70152234 Provider
Improve
customer
retention
through
providing
flexible job
role change
option to
RISE -
Retention
Improvement
with Service
46 70152502 Engagement
Cost
47 70152583 reduction
PROFIT
THROUGH
PERSONAL
ACCIDENT
48 70152631 (PA) COVER
Introduction
Corporate
SIM
connection
49 70152647 facility
Motor
Insurance
Product
Management
50 70153475 Team
Claims
Advocacy for
51 70153514 non-clients
E-Magazine
to capture
MIBL
Trendings,
Insurance
Industry
Hashtags and
ShoutOut for
Performers in
52 70153568 MIBL
MAS (OR
HEALTH)
INSURANCE
INCLUSION IN
EBM/TRACKP
53 70153569 RO
INCREASE IN
54 70154334 INCOME
INCREASE IN
CUSTOMER
RETENTION/C
USTOMER
55 70155290 SERVICE
Online
Platform for
Retail
56 70155340 Products
Cost
57 70155569 reduction
Digital
Marketing
& Client
58 70156253 Surveys
Reference
59 70157054 Generation
Cost
60 70158236 Reduction
INCREASE IN
CUSTOMER
RETENTION/C
USTOMER
61 70158562 SERVICE
•
Increase in
Customer
Retention
/Customer
62 70158812 Service
Pooling of
work- Process
63 70159098 team
Marketing
through
Social Media
and Its
64 70159604 Automation
Cross selling
and Data
65 70160227 Mining
CRM - All in
66 70160306 One Solution
MAS like
product for
full
M&M
67 70161606 Group
SELF
RECEIPTING
OF MLS,MAS
&
MOTOR
RENEWALS
BY MIBL
68 70161900 TEAM
FROM
MOTOR
(RENEWAL)
PERSONAL
ACCIDENT
POLICY TO
PERSONAL
ACCIDENT
69 70162407 POLICY.
using Online
70 70163437 Platform
EB VAS
71 70164003 Services
Centralised
EB
72 70164315 Operations
Pre-approved
Products of
73 70164533 Insurers
Birthday
greetings to
74 70164784 clients
Coverage
Enhancement
75 70164978 s
76 70165200 MIBL App
77 70165428 Client Mailers

Document
Repository for
78 70165726 Clients
Referral
Rewards to
79 70165988 Clients
Updates to
Clients on
Market
development
80 70166216 s
ULIMATE
81 70167707 COST SAVERS
ULTIMATE
ULTIMATE
IMPLEMENTA
TION OF
ONLINE
84 70192787 PROCESS
DEVELOP
BUSINESS
85 70193995 MODULE
Disaster
Management
Team for
Claims
86 70201153 Support
87 70291503 advertisment
88 70294933 COST SAVING

89 70297753 INCOME
Proposal to
freeze Single
Premium
Option for
MLS upto a
particular
Finance
90 70301692 Amount
Productive
analysis for
increasing
MLS &
91 70303211 MAS takeup
Mobile
92 70303456 Expenses
Cost
Reduction
93 70303937 Measures
Preffering
high payout
Business
94 70304040 Partner
Idea of
95 70304463 income
96 70305315 COSTING
Cross selling
Micro
97 70305320 products
Income
98 70305524 Generation
99 70305997 INCOME
Transit
100 70306007 insurance
101 70306346 Save Money
MAS product
for MRHFL
102 70306986 customers
Additional
EMI Protector
Rider to be
integrated in
103 70307342 MAS product
Industry best
104 70307735 practice
INCREASE
POSP
INCOME
THROUGH
NON MOTOR
105 70307849 POLICY
Launch of
retail product
like MAS for
Non MMFSL
106 70308249 customer
• Mobile
107 70308354 Expense
Using digital
platforms for
training of
touch points
for Business
initiation
&
business
processes
implementati
on during
Covid
Situation
&
108 70309227 Beyond
Multiple
109 70309532 Profit Centre
Office Away
110 70309658 From Office
'FASTAG'
ACCIDENT
111 70309707 COVER
Reduction in
112 70310178 Fixed Cost
New
manufacture
113 70310213 Tie-up
1.
Appointing of
IRM
(Insurance
Relationship
114 70310711 Manager)
Service
Review
115 70310873 Manual
• MMFSL
&
Independent
POSP Code
open in Sub
116 70311081 Location
Bench-
marking for
all Products
117 70311142 industry-wise
118 70311245 Saraathi
119 70311548 JEEVAN DRIVE
Sab Ka Sapna
Money
120 70312139 Money
RCS -
Retention and
121 70312403 Cross Selling
Customer
122 70312527 Awareness
Cost
Reduction
123 70313702 Measures
1) POSP
Payout slab
according to
124 70313746 Business
BUDDIES@MI
BL- Lead Our
Growth,
Expand Our
125 70313960 Family
Dedicated
126 70314024 MIS SPOC
Use Proactive
customer
127 70314427 touch points
Advertise and
keep in touch
with all
Customer in
128 70314438 digital way
Extended use
of our Visiting
129 70314629 card
Compulsion
of Asset
Suraksha
product
(Compulsory
Motor Policy
on EMI) for
Mahindra
Finance
Commercial
Vehicle
130 70314944 Customer
Procurement
of Broker
131 70314988 Login
Company
managed
mobile
connections
ffor all
Increase in
Customer
Retention
/Customer
Service For
133 70315475 MLS and MAS
Our satisfied
customers as
134 70315801 PoSPs
MIBL
135 70315884 Branding
Improve SME
136 70316218 Business
Group
Exclusive
137 70316636 Mandate
Instilling and
enhancing
sense of
belonging to
138 70316833 MIBL family
Focused
Corporate
Client Annual
139 70316866 Meet
Money Maker
and Industry
140 70316867 Shaker
Improve MLS
and MAS
141 70317149 renewal %
Golden Egg
142 70317327 Producers
Monitoring
and gauging
changing
customer
demands and
using digital
means to
143 70317632 address them
Profit
144 70317637 Magnate
Work From
145 70317806 Home
ELIGIBILITY
& PRIZES
CHANGES IN
MLS MAS
MEGA
147 70318256 CONTEST
Building
Customer
148 70319052 Relatioship
Adapting to
the new
Change –
149 70319169 Virtual Reality
Digitilisation
of insurance
premium
150 70319763 collection
Motor, MLS
and MAS
Insurance
renewal
premium
collection
through E-
Mitra for
MMFSL
151 70320339 customer
Clients Own
Business
152 70320462 Analysis
LAUNCH OF A
OWNED
HEALTH
POLICY AND
STARTING OF
BANK
153 70322146 CHANNEL
154 70323331 Cross Selling

CUSTOMER
155 70323450 RETENTION
New Product
for Customers
and our
Group
employees -
Health
Insurance top
up plan
& Pure
Death Cover
Plan for
156 70323804 Corona
NCB Based
157 70323877 Renewal
Sale of
Standard
Products
through
INCREASE IN
CUSTOMER
SATISFACTIO
N INDEX
159 70324219 -CAPS
BUDDIES@MI
BL- Lead Our
Growth,
Expand Our
160 70324338 Family
Birthday
messages and
Covid tips to
161 70324552 customers
TRAIN TO
MMFSL TEAM
FOR
SAJHEDARI
162 70324775 PORTAL
Promote
Group Health
Programs in
163 70325094 current times
REDUCTION
IN MOBILE
BILL LIMIT AT
164 70325379 EVERY LEVEL
Increasing
MIBL Visibility
through
165 70325426 Online Modes
166 70325480 Sajhedaari
167 70325581 Infor2Insure
Cost
reduction at
customer
contact
168 70325595 centre
Single point
contact for
different
processes
&
Policies
169 70326143 (SPOC-PP)
B for BIMA,
Bima yaane
170 70326164 PayBima
Robotics
Implementati
on for Policy
booking in
SAIBA from
policy
document
received from
Insurance
171 70326221 Company
DIGITAL
172 70326275 SOLUTION
Direct Online
Portal-Retail
173 70326400 vERTICAL
Increase in
Income by
Synchronisati
on with
Mahindra
174 70326649 Group
Customer will
soon forget
what you
said. They will
NEVER forget
how you
made them
fleet,
customer
who are
merely
satisfied
remain your
customer
only as long
as everything
goes their
175 70327174 ways
ADDITION
NEW
PRODUCT IN
MIBL
CORPORATE
176 70327300 PLUS
INDUSTRY
BEST
PRACTICE OF
INSURANCE
BROKER
,INCREASE IN
CUSTOMER
RETENTION/C
USTOMER
177 70327630 SERVICE
Product
Addition in
Retail
178 70327863 Department
Cost
Reduction
Measures
&
Increase
Customer
179 70327884 Retention
Use of social
media
180 70328108 platform
Customer
retention by
maximum
utilisation of
available
181 70328248 resources
gratitute for
our healt and
182 70328275 life customer
REDUCTION
IN LOCAL
183 70328662 CONVEYANCE
Think
Different Do
184 70328664 Different
Help to Sell -
Increase your
income
185 70328785 manifolds
E- APPROVAL
186 70328823 SYSTEM
CUSTOMER
187 70329312 RETENTION
Dongle use to
be stopped
188 70329632 for field staff
INCREASE IN
189 70329662 INCOME
Introduce
digital
platform
(MIBL Mobile
App) to MIBL
customers for
providing
190 70330070 360° solutions
191 70330075 Cost Saving
COST
REDUCTION
192 70330720 MEASURES
Implementati
on of IVR for
policy
193 70330824 Renewal
Customer
194 70330941 Connect
Customer is
195 70331044 the King
Vendor
196 70331066 Sampark
CONNECT
THROUGH
DIGITAL
197 70331470 PLATEFORM
Mobile APP
Intergration
with Call
198 70331581 Centre
199 70331652 PayBima
INCREASE IN
CUSTOMER
RETENTION
&
CUSTOMER
200 70331690 SERVICE
Manthan
201 70331811 Scheme
Sajhedaari
202 70331843 Enrollment
PREPACE20-
203 70331998 20
204 70332206 Data storage
Improvement
in Per Person
205 70332242 Productivity
Consumer
Loan
206 70332374 Insurance
MAS
RENEWAL IN
CUSTOMER
LOAN A/C
CLOSED
207 70332395 CONTRACT
MLS &
MAS policy
for MMFSL
208 70332438 Co-Borrower
INDUSTRY
BEST
209 70332579 PRACTICES
Increase in
Customer
Retention /
Customer
210 70332610 Service
Well done is
better than
211 70332989 well said
Increase CSI
212 70333130 score
Strategic
Busiess
213 70333212 Income
214 70333544 Rural Market
215 70333630 Income
Advertisemen
216 70333807 t
Digital
217 70333841 Plateform
INDUSTRY
BEST
218 70334004 PRACTICES
The Indigo
219 70334390 Experience
Increase in
220 70334453 Income
Reversal of
distribution
221 70334548 fees - MISP
Mega
222 70334603 Renewal Day
Phone bills
standardisati
223 70334972 on
INCREASE IN
CUSTOMER
RETENTION/C
USTOMER
224 70335164 SERVICE
Group Health
policy to
M@M
Group/Dealer
225 70335793 ship Team
INCREASE IN
CUSTOMER
RETENTION/C
USTOMER
226 70335838 SERVICE
227 70336115 Cost Saving
Change in
Rental Cost of
228 70336168 equipment
INCREASE IN
CUSTOMER
RETENTION/C
USTOMER
229 70336203 SERVICE
INCREASING
RETENTION
230 70336794 AND INCOME
231 70337134 Negotiation
Virtual
232 70337473 meetings
INCREASE IN
233 70338625 INCOME
Mandatory
234 70338966 Leaves
Work-life
235 70339531 balance
Increase in
236 70340759 Income
How to make
a better
237 70341224 tomorrow
Increase in
Customer
Retention
/Customer
238 70343670 Service
COST
REDUCTION
239 70344391 MEASURES
MIBL HEALTH
SAFETY
240 70349232 PROGRAM
Cost
reduction
241 70359382 Measures
242 70364917 Digital Display

243 70367678 space saver
income
matters for
revenue and
244 70369825 growth
your our
priority and
245 70371522 loyalty
INCREASE
MLS AND
MAS
CUSTOMER
246 70377129 BASE
Increase
POSP
247 70381233 Business
direct motor
248 70387692 business
Q3
Idea Theme
Cost Reduction Measures 84 22.28%
Increase in Customer Retention/ Customer Service 116 30.77%
Increase in Income 126 33.42%
Industry Best Practices as Insurance Broker 51 13.53%
Total 377
Mean 2.38
Standard Dev. 0.98
Variance 0.95
Q2
Describe Your Idea in Brief
No. Response IData

Describe Your Idea in Brief
1 70144675 Ffhjklllkvkl
 The
claim data
should be
synced with
the renewal
data.
 The call
center team
needs to use
the claim
data as an
important
point to
convince the
customer.
Outcome:

Retention
conversation
percentage
can be
increased by
the min 15%
 We can
get the
feedback of
the service
rendered by
the insurer
and our team.
 The
contractility
will be
increased
since no
customer will
provide
wrong
number
during the
claim
situation.

Increase in
the revenue
due to
improvement
in retention.
2 70145677

1.Preferred
partner
network
workshops
need to
identified and
terms need to
discussed.
 2.We
already have
a Mahindra
first choice as
one of the
option.
 3. Our
sales team
needs to
promote the
customer that
they will
provide with
this coupon if
the policy
renewed
through us.
Outcome:

1.Retention
conversation
percentage
can be
increased
through
competitive
advantage.

2.Increase in
the revenue
due to
improvement
in retention.
 3.The
customer also
satisfied due
to additional
benefit.
3 70145867
contract need
to signed by
the customer
including this
option so that
it become
mandatory
for the
financing the
vehicle.
Outcome:

1.Retention
conversation
percentage
can be
increased
through
competitive
advantage.

2.Increase in
the revenue
due to
improvement
in retention.
 3.The
customer also
relieved from
the financial
crunch.

4.Present
situation,
MMFSL
CONTRACT
vehicles are
without the
proper
insurance this
lead to
increase in
the bad
debts.

5.MMFSL
Asset will get
secured due
to this
project.
4 70146021
Income.
•
Increase in
Customer
Base.
•
Increase in
Mutual
Connect
between
Mahindra
Finance and
Mahindra
Insurance.
•
Customers
Renewals will
be happening
automatically.
•
Mahindra
Finance will
have assurity
that there
Vehicle are
Safely Insured
and are
Documented.
•
Mahindra
Insurance will
Pro Actively
engage in the
Customer
Service
before the
concern from
Mahindra
Finance
arises.
•
Decrease in
NPA due to
Assured
Insurance,
Claim Support
and Faster
Settlement
from
Insurance
5 70146535 Companies.
based on the
band and
their work
application.
Outcome:

Reduction in
expenses.
For Example:
( Approx.
calculation )
In Tamilnadu
have 40
Employees.
One Data
Card Bill is Rs.
500 Average.
40*500=
20,000/-.We
Can Save
20,000/-
Average from
One State.
Mobile Bill is
Rs. 700
Average but
we can
change the
plan to
Rs.299
40* 700 =
28000 ,
40*299=
11960/-
We Can Save
16040/-
Average from
One State.
Total will be
Rs.37000/Stat
e/Month.
6 70146586
maximise the
potential of
earning more.
The same is
already been
done across
various teams
like for
property,
marine and
liability.
4. PAYBIMA
effectiveness-
Currently the
Paybima been
launched is
primarily
been limited
to retail
business
however
same should
be expanded
to provide
solutions or
handle
queries
relating to
corporate
business as
well. This will
lead to
creation of a
database
which is
concrete and
which shall
have a good
conversion
rate as well.
This is already
been done by
our existing
competitors
like
Policybazaar
and
Securenow to
a large
extent.
7 70146919
for
employees to
connect back
to MIBL
Team.
• MIBL
Team with
the received
data connects
back to
Employee In
2-4 hours
with the
required
details.
• On the
acceptance of
the deal it will
be punched.
Outcome:
• Entire
Mahindra
Group will be
informed On
MIBL
Products
which helps
in Branding.
•
Customer
Service will
be more
effective due
to mutual
Trust and One
Touch
Support.
•
Increase in
Trust of Our
group
Products.
•
Increase in
customer
Base.
•
Increase in
Revenue and
8 70147325 Income.
propose for a
Virtual office
for all
employees
which will
help in
decreasing
real estate
cost, This is a
good step
keeping in
mind the
current
situation. We
can invest in a
good audio
and web
conferencing
tool which
will enable us
to conduct
our meetings
seamless and
thereby
reducing the
travel cost
both intercity
and intra city.
Apart from
these we also
propose for E
signature / E
documents
and zero
paper policy.
This will help
us in reducing
the cost and
reducing the
carbon
footprints.
2. One of the
other cost
reduction
measure can
be a decrease
in the Dental
benefit limit
given to all
9 70147367 employees.
Rs1300 each
month. Total
saving cost is
Rs.62400/-in
4years(1300*
12=15600*4=
62400).So I
save
Rs15600/- in
each year.so
if on this
above
example I
calculate
Mobiles exp.
on 2000
employee
then we save
minimum
Rs2000*1560
0=3.12cr each
year.so
mobiles exp.
should be
fixed.
and also one
suggestion is
that sim will
be allocated
branch wise,
if any
employee
resign or
transfer from
one location
to another
location then
he will left
this SIM card
to his exiting
location and
give this sim
no to new
employee.
this idea will
hep to
increase
customer
retention and
services.
10 70147454
from this
illness
7) Online
survey can be
an effective
tool for
monitoring
the emotional
well-being of
employees on
an ongoing
basis
8) Rapid
Action Force
who can
extend
support to
the employee
and their
families if any
of them
infected with
COVID 19
9)
Partnership
with Logistics
company who
can support
for
transportatio
n needs
We strongly
believe that
“Having a
source of
truth is really
important”
and this IT
Platform with
the suggested
inputs will
surely help
organization
to offer much
needed
comfort to
our
employees in
the tough
times
11 70147487
Integrating
Paybima into
our CRM App
to serve as a
one stop
insurance
solution
partner for all
customers .
Onboarding
LIC as a Life
insurance
partner into
paybima will
serve as a
12 70147950 USP for MIBL.
Opting for
Annual
Mobile Plan
instead of
Monthly
Billing Cycle.
By Doing this
we can save
Substantial
cost of mobile
bills in a year.
Which can be
near to 4 to 5
thousand per
head
approximatel
y.
Month Plan
-
600/- * 12
Month = Total
7200/-
Annual Plan
-
2000/-
Total Save
-
5000/- per
employee
MIBL Total
Employee -
1000
Total Saving
-
5000 Per
Employee *
1000
Employee =
50 Lac Per
Annual
13 70147970
Centralized
What's App
Number
1.Once the
policy
generated
welcome
massage
should be
received to
Insured with
policy PDF for
any future
queries
through MIBL
2. At the time
of renewal it
helps to get
connected
and resolve
the insured
query like
premium,
quotations,pa
yment
mode,Neares
t Mibl person
(name or
phone
number),
Branch/Deale
r Details etc.
14 70148048
from this
illness
7) Online
survey can be
an effective
tool for
monitoring
the emotional
well-being of
employees on
an ongoing
basis
8) Rapid
Action Force
who can
extend
support to
the employee
and their
families if any
of them
infected with
COVID 19
9)
Partnership
with Logistics
company who
can support
for
transportatio
n needs
We strongly
believe that
“Having a
source of
truth is really
important”
and this IT
Platform with
the suggested
inputs will
surely help
organization
to offer much
needed
comfort to
our
employees in
the tough
times
15 70148263
Currently we
are giving Rs.
50 for MAS
and 100 for
MLS which
need to
redesign
incentive slab
wise for
collection
executive for
Non IHM MLS
& MAS
cases.
Minimum
eligibility
should start
by doing 3
cases and
further to
next level.
On and
Average 60%
of Collection
manpower
are closing
one or two
cases, if we
create slab of
minimum
three cases
for eligibility
of getting
incentive
without
changing
Incentive
Amount, it’ll
help us to
motivate
collection
manpower in
to more
productive
manner and
also help us
to reduce this
incentive
16 70148271 cost.
L90-L70
Mobile bill
reimburseme
nt is 1000-
1500. Which
is very high
because if we
compare in
the market
there is many
Plan given by
the telecom
companies in
the market in
the range of
500-700. and
if we take a
look of
mobile
reimburseme
nt of the
employees
not more
500-600. so
that we
reduce the
mobile bill
amount. This
help us to
reduce our
cost
immediate
basis or we
can tie up
some telecom
company on
local basis of
regional basis
with good
plan with
Minimum
Fixed charges.
In there plan
net pack is
also including
with daily Net
data, which is
more
sufficient in
the this
17 70148343 Grade.
1) Our CRM
app should
be installed
by every
client which
will help in
Improving
customer
stickiness/
long term
relationship
thereby
helping us in
retention of
our clients.
2) We as a
Risk
consultant
should also
focus on
conducting
VAS ( Value
Added
services) for
EB as well as
Non EB
portfolios
including
Marine, Fire,
liability of our
clients. This
will help us in
projecting as
a strong risk
management
18 70148427 partner.
Sales will
contribute
without any
burden on
current Sales
force as they
will generate
and close the
leads by
themselves
- There
will be
healthy
competition
between
Sales force
and Non-
Sales force as
Sales force
will have to
try to
maintain
higher
business than
Non-Sales.
Thus,
benchmark
for Sales
force will
increase
-
Knowledge,
Motivation
and
confidence
levels of Non-
Sales will
increase
when they
get directly
recognized
for
contribution
to companies
revenue
alongwith
their current
Non-Sales
responsibilitie
s
19 70148527
MLS policies
online.
Idea 3 :
Setting a
Different
Target
Motor /
MAS / MLS
For CCC to
close case :
As we know
that Call
centre
generate
leads for each
state and are
distributed to
the
respective
states, now
when we
have online
policy making
services for
Motor as well
as for MAS,
let them close
their leads by
themselves
without
circulating it
to the BDE
and being
dependent on
them. This
way Call
centre
themselves
can increase
the business
volumes and
then the call
centre could
be fully
utilized, We
can take the
example of
policy bazaar.
20 70148543
MLS policies
online.
Idea 3 :
Setting a
Different
Target
Motor /
MAS / MLS
For CCC to
close case :
As we know
that Call
centre
generate
leads for each
state and are
distributed to
the
respective
states, now
when we
have online
policy making
services for
Motor as well
as for MAS,
let them close
their leads by
themselves
without
circulating it
to the BDE
and being
dependent on
them. This
way Call
centre
themselves
can increase
the business
volumes and
then the call
centre could
be fully
utilized, We
can take the
example of
policy bazaar.
21 70148691
would be
number of
Leads closed
by issuance of
policy
Strategic
Alliance Leads
Criteria for
qualification
would be
activation of
tie-up
through
anyone
product
Incentives to
Non-Sales will
be a certain
percentage of
income
generated
without
compromisin
g the overall
income of
company and
costs of
current
incentive
schemes
Benefits
Will give
opportunity
to Non-Sales
team to
contribute to
revenue of
Organization
Additional
source of
Leads and
business
opportunities
Special focus
on Leads
generated by
Non-Sales
22 70148700 force
Outcome:
By
implementing
this process
we will have
the benefits
of
1.
Increase in
customer
reach helps
increase in
renewal,
revenue
&
income.
2.
Accurate
contact
number of
customer
3.
Coverage
offered to the
customer
4.
Customer
acceptance of
the
coverage’s
&
premium
5.
Branding to
customer on
Mahindra
insurance
brokers
6.
Contactability
for customer
in any sort of
support from
MIBL.
7.
Transparent
transaction
with
customer
23 70148752 & MIBL.
During their
Meeting at
Manufacturer
office were
we
acknowledge
and
appreciate
their
collaboration
with us
through some
kind of
Reward
&
Recognition
program,
Purely base
on their
Business
Penetration
with us.
This Activity
Should be
done
quarterly or
Half yearly
basis in sync
with
Manufacturer
team. This
will Create
more
awareness in
to dealers
fertility for
our services
and features
and at a same
time provide
common
platform to
develop
synergy in
between all
stake holder.
ie.
Manufacturer
, Dealer,
& MIBL
24 70148761
create
provisions on
their website
for MIBL
Insurance
Solution by
clicking on
icon, for
instance;“
Click here for
Insurance
Requirement”
, the link will
take the
potential
customer to
MIBL website
page from
where
customers
can browse
and select as
per their
need. Even if
the services
are not
opted, by
browsing we
can establish
our presence
as MIBL and
services
offered in the
minds of the
customer for
his future
needs. This
will not only
help to
increase
reach of our
existing
customers,
but also help
us to increase
new business
enhancing
the
company’s
brand &
25 70148769 visibility.
uploading
breaking
photographs,
and
knowledge
about our
different
products for
our
interested
customers.
Also contact
details of our
Mahindra
dealerships
nearby, PPN,s
around their
location for
cashless
facility,
Mahindra
First Choice
or to avail
loan facility .
By using a
common app
it will also
create value
with one stop
solution that
we suggest
will be the
most
advanced
practice that
can also be
used to build
customer
database for
renewals and
customer
retention by
linking
contact
details of our
policy
issuance
team for
direct
business as
26 70148816 well.
costs (Travel/
Food/ Mobile
etc.)
- Fixed
cost
After above
analysis, we
will have
information
of what costs
are paid per
case. Thus,
when
designing
new schemes,
we can
segregate the
fixed costs
and discuss
how much
should be the
variable
incentive
costs and
revenue
required to
generate
desired
marginal
profit
Benefits
Reduction in
costs by
changing
current
incentive
structures/
schemes
Clarity of cash
flows
Increase in
effectiveness
of incentive
schemes to
generate
desired
results of
27 70148887 profitability
Looking at
the growth
prospective in
mediclaim
Segment,Idea
is to have a
policy of
mediclaim
with any
reputed
insurer with
reasonable
pricing for
MIBL with full
control of
enrollment
and other
operational
things like we
28 70148891 have in MAS
Brokers take
advantage of
Online
Payment
mode for
premium
Collection.
There is main
two benefits
first is this
reduce cost
of two
wheeler
expense and
also reduce
for man work
hour on 64vb
clearance. In
this time
Customer are
now make
the payment
by online
mode and
understand
the
importance of
online
payment.
With online
payment
mode work
efficiency of
the ground
level team is
Increase. Also
reduce the
Expenses on
daily basis.
There is no
requirement
for Premium
collected
from
Customer and
deposit in the
Insurance
company. It is
time saving
and cost
29 70148983 saving.
It will really
help us to
increase our
MLS and MAS
penetration
specially in
tractors,beca
use many
borrowers of
tractors are
of higher age
due to which
we can't offer
them MLS
and hence get
dent in
overall take
30 70149017 up.
analyze their
causes
Step 4:
Remove the
unwanted
outliers by
policy
modification/
circulars etc.
Step 5:
Reanalyze the
fresh graph to
find new
outliers and
repeat the
steps from 2
to 4 till a
meaningful
LEAN graph
area is built
Benefits
Immediate
outcomes in
cost
reductions
Building a
structured
approach for
cost analysis
for future
years
Enabling the
Sales team to
know what
costs go into
which
revenue
generation
activity so
that one can
change the
modus
operandi to
control the
costs and
increase the
31 70149037 profit
CRM and
collect the
required
document
and generate
the policy
against
requested
insurance co.
tagging the
HHD receipt
and enter the
receiver,
Accountants,
BDE mail and
phone no.
and in short
Like Ebm
Portal for
Direct
business
portal with
multiple ins
co. and same
product
features
2. In this
Customized
Portal those
who are
interested in
online
payment
mode than
can use
available
online
platform like
UPI , Google
pay, Net
Banking etc.
will help to do
the same .
3 centralized
What's App
no will help
here also may
resolve the
customer
queries
32 70149044 .
REDUCTION
IN MOBILE
EXPENSE BILL
FROM
500~1500
DEPENDING
UPON
33 70149221 GRADES.
India's 1.1
billion people
are covered
through
health
insurance. ...
Given the
health
financing and
demand
scenario,
health
insurance has
a wider scope
in present
day situation
in India.
Health that is
real wealth
and not
pieces of gold
and silver” II.
If you don‟t
have health,
you don‟t
have
anything.
About some
selling point
of Health
Insurance :-
1. Don't Rush
the Sales
Process.
2. Always
Know What
Your Goal is
for the
Outcome of
the Meeting.
3. Don't Be
Afraid of 'No'
4. Build
Genuine
Relationships.
.. But Don't
Push It.
5. Do More
Listening
Than Talking.
34 70149254
•
Increase in
New
Customer
base under
Direct
Business.
•
Increase in
Dealer and
Channel
Partner New
and Renewal
Business due
to Brand
Recognition
in turn happy
Channel
Partners.
•
Increase in
Net Revenue
and Income
towards
Organization.
• By
increase in
Volume due
to Brand
Recognition
Commissions
can be
reduced and
Income can
be increased.
Most helpful
when Market
Size is Limited
(OEM
Business).
•
Increase in
customer
retention and
more happy
Customers.
• New
Products have
a Brand
Recognition
35 70149447 Advantage.
breaking
photographs,
and
knowledge
about our
different
products for
our
interested
customers.
Also contact
details of our
Mahindra
dealerships
nearby, PPN,s
around their
location for
cashless
facility,
Mahindra
First Choice
or to avail
loan facility .
By using a
common app
it will also
create value
with one stop
solution that
we suggest
will be the
most
advanced
practice that
can also be
used to build
customer
database for
renewals and
customer
retention by
linking
contact
details of our
policy
issuance
team for
direct
business as
well.
36 70149723
BY HIKING
BONUS FROM
1%~5%
DEPENDING
UPON
SOURCE OF
BUSINESS. 1%
HIKE ON
EACH 1 LAKH
PREMIUM
UPTO
37 70149816 5LAKHS.
MAS
PREMIUM
SHOULD BE
ADD AND
RECOVERED
IN 10
MONTHS
WITH TWO
MONTHS
GRACE
PERIOD. AS
SOON
AMOUNT IS
RECOVERED
MAS WILL BE
AUTO
RENEWED.
FOR BETTER
UNDERSTAND
ING WE
WOULD LIKE
TO HAVE A
38 70150627 CALL.
We had send
Text MSG to
the Renewal
customer of
Only one
product at
one time. to
our
MIBL/MMFSL
customers.
Can we start
One text msg
to all our
customers for
all 3
products .so
that we can
approach
every
customer
with all 3
products
easily, It
Increase our
Customer
services as
well as our
Customer
retenion. At
one time we
educate to
the customer
our Products
and Increase
our revenue
immeidate.
And secondly
SMS send
sent to the
customer for
the renewal
also share the
No of
BDE/TM for
easy and fast
communicati
39 70150923 on.
gradation we
could control
cost.
Moreover
some of the
employees
can be
rewarded in
the form a
voucher or an
appreciation
certificate
who are
doing
advanced
bookings and
helping the
co. save costs
wherever
possible. It
could be
noted that in
case of
outside city
travels
mahindra
guest houses
could be used
wherever
convenient
and possible
so that costs
could be
controlled.
We can also
note that in
case of
conducting
conferences
and trainings
we should
rely on our
own in-house
infrastructure
which would
help us in
saving costs
in conference
halls and
other venues.
40 70151250
Incentive to
each Business
Executive for
MLS and MAS
take up :
The business
executive
frequently
ask for
incentive in
MLS and MAS
new
business .
Because as
per them the
other
financial
sectors
provide
monetory
incentive in
such product.
If Company
stop
arranging
trips for only
the top
executives for
take ups and
invest the
amount on
providing
monetory
incentives to
each Business
executive
accordingly
with their
take up
percentage,
the company
can minimize
its cost as
well as
motivate all
the Business
Executive to
do 100 % MLS
and MAS .
41 70151411
times
regarding
premium
collection,
& follow
ups, travelling
cost, process
for policy
issuance as all
these POSPs
can issue
policy from
their own
sajhedaari
portal, no risk
for cash
handling. In
that way we
can EXPAND
our reach and
business into
the untapped
market and
customers
with more
technology
adaption to
our existing
customers.
Referral from
existing
customers
always is a
cake and if
we can make
them our
POSP then it
will be a
cheery for
them from us.
Our project (P
A C E) can be
validated
through this
idea.
That’s all
from my
team in IDEA-
THON 2020.
42 70152073
VEHICLES
BENEFIT
THROUGH
MMFSL
COMPARE
DEALER
MMFSL
PROFIT
DIRECTLY
2-3%
4-5%
DEPENDANCE
DEPENDENT
NOT
DEPENDENT
REWARD
SYSTEM
NO
REWARD
SYSTEM
REWARDS
FOR LONG
RUN
RENEWAL
NOT
INVOLVED
INVOLVED
THROUGH
OUT YEAR
(DIRECTBUSIN
ESS)
POSP
POSP
MODEL WILL
NOT WORK
POSP MODEL
WILL FULLY
WORK
43 70152110
Outcome:
The journey
from a sales
person to a
solution
provider will
attract minds
of many, who
will try and
associate with
MIBL.
Empowermen
t will create
ownership
into the POSP
which help
for better
customer
service
Positive
engagement
will create
positive
pressure and
keep POSP’s
inspired and
help to
perform well
POSP will
more relay on
Mahindra
legacy than
voracity in
the market
Apart from
POSP
business
payout, they
can earn from
claim
settlements,
vehicle
diversion
incentives,
and claim
consultancy
fees (if in
place)
44 70152234
instance. It
could infuse
excitement
for certain
employees
who are
willing to
move into
different roles
. This could
help us
improve our
employee
retention and
employee job
satisfaction.
Also this
policy should
be very
dynamic in
nature so as
to ensure
that the
employee
does not have
any hurdles in
learning the
new job role
or duties .
This would
also give us
an advantage
to have more
skilled
employees
and more
satisfied
employees.
Which would
lead for
better
productivity
in certain
employees
eventually
leading to
better
customer
service and
customer
45 70152299 retention.
service team
and support
for the
activation of
EBM portal in
the service
point
5. Target will
fixed and
whoever the
surpass the
target, they
will be
facilitated
with
certificate of
appreciation.
Outcome:
1. Increase in
the number
of customers
with no extra
cost involved.
2. Increase in
the revenue
due to
improvement
in retention
and rollover
business.
3.
Improvement
in retention
will lead to
improvement
in the
bodyshop
vehicle flow
and
subsequent
revenue
Improvement
.
4. This will
increase the
MISP loyalty
with MIBL.
46 70152502
Ensure all the
possible
payments
from
customer
through
online,it will
help to
reduce the
traveling cost.
Try to avoid
courier
completely
and make all
things
through
digital
platform for
business and
claim related
process.
Arrange
maximum
meetings
through
online with
team and
other stake
47 70152583 holders.
WHEN WE
GIVE
PERSONAL
ACCIDENT
(PA) WITH
THE
INCLUSION
OF MOTOR
INSURANCE
OUR PROFIT
IS ZERO.
WITH
INSURANCE
COMPANY PA
COVER IS
OPTIONAL.
WE CAN
PEOVIDE
SEPARATE PA
COVER WITH
MOTER
INSURANCE
EXCLUSIVLY
VIA MIBL. IT
WILL
INCREASE
OUR
PROFITABILIT
Y.
48 70152631
Having a
corporate
connection
for SIM and
internet
services
would not
only help
company to
have more
negotiated
calling rates
as well as
higher
internet
usage
facilities. This
could help us
save some
costs and
CUG calling
could be
practically
free. This
facility is
common
practice in
certain bigger
conglomerate
in the country
and have
been used in
an effective
49 70152647 manner.
2)
Increase in
Conversion of
leads into
Sales
3)
Increase
customer
retention
4)
Addition of
New Strategic
Client
5)
Increase in
revenue due
to better
negotiation
with
Insurance
company
after detail
understandin
g of loss ratio
6) Help
company to
become
“Future
Ready”
Organization
We strongly
believe that
Product
Management
Team can
become
interface for
all parts of
the
organizations
and will have
the greatest
visibility over,
all internal
and external
factors to
ensure the
success of the
organization
50 70153475
We can
channelise
our Claims
servicing
ability to help
those
corporates
who are not
our clients as
of now and
are facing
issued in their
large claims.
We can
charge such
corporates
for the
services we
provide to
them and
increase the
income for
us. Also, this
will help us to
win such
corporates
and help us
generate
more income
on their
entire
portfolio. this
will also help
us in getting
identified in
the market
51 70153514 place.
of the box
achievement
and publish
same in e-
Magazine.
 We can
also create
short web
series to
generate
insurance
awareness
and unfold
customer
experience
Outcome:
 Shout
out for best
performers
will motivate
all stake
holders
& boost
them to
achieve
consistently.
 This
will help us to
implement
best practices
in all regions.
 This
will help us to
enhance
knowledge of
employees.
 This
will help us to
stay updated
with best
practices in
industry.
 Shout
out for best
performers
will help us to
motivate all
employees to
achieve
52 70153568 consistently.
WE CAN
INCLUDE MAS
IN EBM AND
TRACKPRO. IT
CAN BE
PROMOTED
BY M&M
AS A SALES
TOOL WITH
VERY LESS
EXPANCE
WITHIN
2500/-. IT
WILL BENEFIT
53 70153569 MIBL TOO.
Ensure EMI
option of
premium
payment for
MMFSL
customers , it
will helps to
increase the
direct
business and
income.
single online
plat form for
all the
products, Try
to sell
insurance
products
through
MMFSL asset
management
team like
MMFSL and
MRHFL. Try to
introduce
new
products. Try
to start OEM
program with
other
manufacturer
s. Ensure the
standardizati
on of
Discount with
all the
companies
dealing with
MIBL, it will
reduce the
renewal
through out
54 70154334 side channel.
1.PROMT
POLICY AND
CLAIM
SERVICE. 2.
RESPOND
CUSTOMERS
CALLS ANY
TIME. 3.
MAKE
CUSTOMERS
TRUST ON US.
4. BUILDING
RELATIONSHI
P. 5.
BIRTHDAY
AND
ANNIVERSAR
Y WISHES TO
CUSTOMERS.
6. SUPPORT
FOR ANY
HELP APART
FROM
BUSINESS.
55 70155290
Inclusion of
retail policies
like
cyber,motor,
term
life,health in
pay bima site.
Making this
site available
for corporate
clients so that
their
employees
can purchase
the products
from there.
Also Create
new retail
health
insurance
product with
the insurer
which can be
sold to
general
public.
coverage will
be better
than existing
ones available
56 70155340 in the market
paid number
we can use
prepaid
mobile no
since it is
cheaper than
post paid
rental.
4. We should
give the MAS
premium
quote to the
customer
with last year
premium
&
his/her
eligible
cumulative
bonus.
5. Insurance
funding to be
released for
Motor, MLS
& MAS
how the
sundaram
finance is
doing .
6. MAS
Product can
be offer to
MIBL
employee
and their
family so that
we can get
the attractive
health
insurance
coverage at
low cost.
7. We should
ensure our
MMFSL
collection
employees
are well know
about our
MAS features.
57 70155569
Digital
marketing for
increasing
online lead
generation.Ca
n be
distributed
region wise to
respective
RMs. Linkedin
platform to
generate
sales on
individual
front.
Conducting
client surveys
to define
problem
statements
and to
introduce
58 70156253 new products
Reference
generation
from existing
clients. and
revisiting the
lost clients as
well as those
clients who
we worked
on earlier but
could not
59 70157054 convert.
Reduce Air
Travel for
L6M and
below; for
Mobile usage-
shifting from
postpaid to
pre-paid plan.
Tie-up with 1-
2 telephone
providers and
coming up
with a
negotiated
package ; for
local
conveyance.
Rather than
cabs, 2
wheelers like
Bounce with
a monthly
subscription
can be opted
by
employees;
Intermittent
switching on
and off of
A/Cs in
between;
shift to
smaller
office/co-
working
60 70158236 spaces
create a
WhatsApp
group for
exclusively
fleet owner
customers
along with
MMFSL CV
team. then
post the
insurance
related
updates , best
premium
quotes and
solve other
claim related
queries
through this
group . it will
help us to
increase our
business
volume.
61 70158562
1. Festival
season
wishes. 2.
Need
analysis. 3.
Welcoming
call and thank
customer for
opting us. 4.
Develop claim
hub as one
point contact
in state. 5.
Improve our
policy service
in MLS &
MAS. 6.
Building
relationship.
7. Creating
DATA bank
with referral
cases from
existing
customer. 8.
Improve our
CC Tele
calling. 8.
Health check
up camp to
our
customer's 9.
Improve
online policy
serve and
awareness to
customer
about online
policy
62 70158812 issuance.
Objective:
Optimum
utilization of
resources
Description/o
verview
Every day
morning
process team
need to
report the
number of
policies in
their hand for
the day to HO
and HO team
need to
consolidate
data and
allocate work
equally to all
the states
Benchmark
should set per
person for
the day by HO
By
implementing
this we can
improve the
productivity
of process
team and
additional
manpower if
any, can be
utilized for
supporting
other key
resource area
for better
result
63 70159098
Company:
Marketing of
our products
through our
customers.
That means
our client
Testimony /
clients
success
stories,
photo, videos
are a great
way to
humanize our
insurance
brand
incorporate
user-
generated
content to
our social
media
marketing.
There will be
a reduction in
printing and
courier
charges.
Benefits to
Planet: Help
save the
environment
– help to
address and
spread
awareness on
the
precautions
to be taken at
the time of
natural
calamities.
Help us to
save the
trees, as we
need not
print the
broucher/pa
mplets.
64 70159604
should be
equipped
with more
retail
products so
that all retail
insurance
requirement
of the
customers
can be met
Field team
should collect
the data from
the customer
about the
other
insurance
renewal that
will be falling
due in future.
to capture
this data our
IT team need
to provide
some
mechanism.
This data
need to be
collated
centrally and
necessary
steps to be
taken to be
followed up
and covert in
our favour
with the help
of
CCC( Custome
r contact
centre). This
will result in
creation of a
big data base
which will
help us to
improve our
product mix.
65 70160227
creates the
potential
customers’
existence ,
Assists in
Managing our
Data ,
Reduces The
Task of
Manual Data
Entry,Smooth
er
Coordination
of Sales Team
Activities,Imp
roves Work
Efficiency,Pro
vides
Valuable
Business
Insight,Provid
es Accurate
and Timely
Forecasting,H
elps To
Quickly
Review
Data,Generat
es More
Leads,Helps
to Create a
Target
List,Helps To
Follow Up
Leads,It
Enhances
Your Online
Marketing
Campaign,Hel
ps Monitor
Progress of
Ongoing
Tasks &
Campaigns,Im
proves Field
Team’s
Productivity,It
Helps
Increase
Customer
66 70160306 Retention
finalisation of
product
-
Approvals
from MIBL
and the client
company’s
senior
management
for
implementing
the product
-
Coordination
with IT teams
for
development
of portal
Impact
(benefits):
-
Increase in
business and
hence an
increased
revenue for
MIBL.
- MIBL
will be the in
house broker
for all
insurance
requirements
throughout
M&M
group.
- With
this product,
M&M
group
employees
can afford
suitable
medical care
without
having to fall
back on hard
earned
savings
67 70161606
MLS and MAS
renewals. Our
proposal is to
provide
Bluetooth
Printers to
MIBL field
team which
will bring
sovereignty
for premium
collection and
receipt
issuance to
the team
here.This will
help in
enhancing
our income in
these product
line by 70%-
80% for
Up/Ua and
will also
ensure
smooth
delivery to
the customer.
Our team will
be in direct
touch with
the end user
and any
increase in
our volumes
here would
also ensure
that we are
able to
convey
benefits of
our products
to more and
more
customers.Illu
stration of
cost-income
analysis for
Up/Ua has
been mailed
68 70161900 separately.
this 30k-35k
is of renewal.
By taking
lower side of
premium of
retail
personal
accident
policy Rs331/-
our income
will be
around Rs 50.
Our renewal
business
lower side is
30k by
multiplying
with income
of Rs 50 the
total would
be around 15
lakh in a
month in a
year 1.8cr
approx.
USP
In motor
policy
personal
accident
policy only
cover owner
of the vehicle
when he is
driving the
vehicle. Rest
time it is not
covered. But
in standalone
personal
accident
policy it cover
all the
accident that
happen with
the customer
(standard
exclusion are
apply).
69 70162407
Organise
Knowledge
sessions
(webinars) for
stakeholders
of clients;
Online
orientation
session for
employers
and
employees of
that
particular
corporate
through zoom
calls instead
of just
sending
across in
mails; Access
to weblink for
endorsement
s processes
,online
uploading of
data by client
for new
joinees for EB
70 70163437 Programs
Centralised
Ops team for
EB- Can
enhance the
value
proposition
for clients. so
that our team
can focus on
other services
for more
streamlined
experience ;
Centralised
teams for
wellness
programs,val
ue added
services,
employee
engagement
71 70164003 programs
Centralised
Ops team for
EB- Can
enhance the
value
proposition
for clients. so
that our team
can focus on
other services
for more
streamlined
experience;
this team will
takeover the
day to day
routine
additions/del
etions
endorsement
s/arranging
health id
cards to new
joinees etc.
this will
relieve the
local servicing
teams to
concentrate
on more
client
72 70164315 engagement
Pre-approved
premium
raters for non
EB retail
products,
defined
quotes with
the insurers
to avoid
underwriting
delay and
lead time to
generate the
73 70164533 quotes
Birthday
greetings to
senior
management
from our
team.That
particular RM
will call to
client after
our team sets
an automated
reminder
while
uploading the
client details
during
onboard in
74 70164784 our portal
In these hard
times, we can
take the risk
of increasing
the sum
insured in the
existing
policy,some
terms we can
enhance, with
terms and
conditions
applicable.
Hardly 2-3
claims will
come but
customer will
remember us
for long term.
This will open
opportunity
for cross
selling and
references
also.
privileged
75 70164978 clients
Common
updates in
the form of
messages or
videos can be
launched in
the app for
corporate
76 70165200 clients
Consolidated
Health news
letters along
with
proclaimed
mailers to be
sent across to
77 70165428 our clients
One
repository
documents of
client. Login
credentials
and link to
access will be
shared with
78 70165726 the client.
Referral
reward
programs for
clients who
give us
references
and if we are
able to
convert the
business of
the referred
79 70165988 client
Insurance
trends/news
updates in
80 70166216 the app
to
connectivity
issues.
 New
data card
plan charges
– Rs 149/-
 No. of
users
consider - 700
 Approx
current
monthly cost
– Rs 104300/-
 Approx
annual
charges – Rs
1251600/-
Considering
the above
situation if we
plan to
change
around 70%
of employee’s
data card we
new Reliance
JIO data plan
below would
be the
savings.

Monthly cost
saving would
be around Rs
70000/-
 Approx
annual cost
saving would
be around Rs
840000/-
81 70167707
on of Dental
and
Spectacles
benefits for
FY 2020-
2021.
It is observed
that around
75-80% of
employees
avail the
above
benefit. Even
if we consider
that around
60% of
employees
are availing
the above
benefit the
incurred is
mentioned
below which
can be saved.
Total
employees
consider
claiming the
benefit – 708
(60% of
current
strength)
 Approx
annual cost
saving would
be around Rs
24780000/-
In case we
consider
employee
nos. on
higher end
the cost for
the same will
increase.
82 70168384
Option: 2 –
If WFH
solution is
feasible even
with 80 %
efficiency,
recommende
d this solution
to be
considered on
permanent
basis.

Monthly cost
saving for
both offices
would be
around Rs
2000000/-
 Annual
cost saving
for both
offices would
be around Rs
24000000/-
Here both the

locations we
have
considered
the cost
approx Rs
220000/- PM
for small
setup of
Training
centre for
Tele Callers
(Including
Support
services),
which can be
also used for
Team
meeting once
in a week or
need base.
83 70169915
We have a
suggestion
from our
team, every
time we have
called our
customer and
goes to
customer
house for
collecting the
premium
that's why
our traveling
expenses
become
huge. If we
send renewal
(MLS, MAS
and motor)
reminders to
customer and
also share the
premium
details and
payment link
through SMS
then it will be
more cost
saving and
also we can
create our
good
impression to
the
customers
with adding
our brand
value.
Chances of
rejection
would be less
and we will
ensure our
online
assistance at
any point of
84 70192787 time.
To provide an
online link for
MLS Renewal
customers
that will help
us to reduce
expense
which we
have shared
with MMFSL
team as well
as make our
control
instead of
MMFSL team.
Also with
need to
implement
few Insurance
companies
for self
inspection
option at the
time of
breaking
renewals of
the
commercial
vehicle
customers as
we have only
one option in
Sajhedari
portal.
It will save
time for the
POSP and he
will be
showing
some interest
to generate
more
business.
85 70193995
with
M&M
Team
v. Dealing
with MMFSL
& MIBL
Team
vi. Dealing
with
Mahindra and
Non
Mahindra
Dealers
vii. Dealing
with
insurance
company
/SPOC
viii.
Surveyor’s
meet at
dealers
ix. Sharing
of the MIS
x. Regular
training to
the dealer
team on
complete
usage of the
related tools.
xi. To
discuss with
the insurance
companies
and pre-set
least
documents
list
xii. To be
able to take
help of the
local Govt.
Officials
P.S/RTO
xiii. Record
data for
salvage
buyers/ RTO
agents.
86 70201153
advertisemen
t in news
paper,social
media,short
break (while
watching on
you tube
videos
87 70291503 etc),hordings
in this time
covind 19
corona Virus
in the word
and in India.
So i have plan
with
subordinate
Mr.
Shailendra
patel cost
saving in tour
and stay.
in the coming
time/days any
dealer point
visited by
both of us will
go together
and an
arrangment
of PG room
will be made
to stay with
arrangment
kitchen
ingredients
and making
food himself
and rest on
PG room.
That way we
don't claim
hotel bill. So
that our
company
expense ratio
is not
Increase.
88 70294933 Thanks.
Customer
should have
the facility of
installation in
done an
analysis for
F20 and
below are the
findings:
- If we
freeze the
option as
single
premium
option for
finance
amount upto
Rs. 5 Lac than
the number
of cases
covered
under single
premium
option will
increase to
446104 the
ratio of single
premium
cases will
increase
directly to
78% directly
from the
current 29%
- The
Income will
rise by
approximatel
y 1.19 crores
- Also it
will reduce
the cost of
calling the
customers for
renewals and
the same
strength
being used
for MLS
renewal
calling can be
utilised for
Motor or
MAS.
90 70301692
requirements
can be as
follows:
o Product
wise
o CH wise
o DM
wise
o ABM
wise
o
Executive
wise, etc.
- An in
depth
analysis is to
be provided
to field team
to help them
focus in
specific areas
wherein the
take-up
needs to be
increased.
Impact
(benefits):
-
Increase in
take-up and
therefore
increase in
business and
income for
MIBL. Also
increase in
MLS take-up
will be
beneficial for
MMFSL for
securing
more assets.
- The
field can work
on a non
performing
specific area
based on
91 70303211 analysis.
The idea is to
reduce the
mobile
reimburseme
nt expenses
in a fix or
proportionate
amount ( e.g
rupees 500
fixed or 10 %
or 20 % of
monthly
expenses
92 70303456 claim.
Expences
Should be link
to Income, ie
Patorl exps
&
Travelling
93 70303937 exps.
We can
prefer all our
business with
high payout
business
partner.ie.
where we are
getting
highest
payout
94 70304040 immediately
Currently we
have
launched our
Micro Bachat
policy of LIC
which can be
beneficial for
our
customers in
a long way.
If we
approach all
of our
customers at
the time of
Motor
Renewals for
the product
and as a
savings
product this
policy might
get beneficial
for them.
We can offer
them the
policy with
the renewals
by adding
some
additional
discount to
Motor
Renewal and
make them
understand
about the
benefits of
LIC Micro
Bachat.
In this way
we can earn
additional
income for
the company.
95 70304463
Health
insurance
policy selling.
By this way
our outside
work can get
covered by
insurance co
manpower
and we can
earn
additional
income
through cross
selling while
stay at office.
We just have
to perform
the role of
the bridge
Between
customer and
ins co
manpower.
Also we can
effectively
utilise MMFSL
collection
team for pick
of Motor
Renewals as
they are now
our own posp
and they have
got additional
benefit of
incentive
whether the
vehicle was
funded by
MMFSL or
Not. We have
to motivate
them and just
make them
understand
the incentive
opportunities.
96 70305315
We can focus
on micro
products for
cross selling
which are less
in price and
having large
reach in
public.With
existing
policies we
must sell
products like
health
policy,pa
policy,medicl
aim policy
,non motor
97 70305320 policy.
1. Need to
develop an
App through
which we can
give PA policy
to every MIBL
customer or
any individual
on the spot
with online
payment
mode.
2. Need to
develop
payment link
for MLS
Renewal and
Non IHM
customers
just like MAS
from which
we can do
MLS
Renewals
instantly
without
visiting the
98 70305524 customer.
properly the
unsecured
and live data.
If we gave the
data to our
trusted posp
and maintain
a close
monitoring
on it and if
they succeed
to secure
Renewal from
the data then
it will be a
great source
of income for
us.
On the other
hand we must
motivate the
posp for our
LIC Micro
Bachat policy
and Health
policy of
other ins co
for selling. By
selling this
product they
can enjoy
handsome
incentives
from MIBL
apart from
Motor
Insurance.
So I think
motivation
and close
relationship
with
Independent
posp can lead
to us
additional
income
generation.
99 70305997
Apple season
is going to be
start and we
cant do
transit
100 70306007 insurance.
1. Company
Should retain
all Dongles to
save
unnecessary
cost. Internet
can be used
though
Hotspot also.
2. Mobile
Limit should
be revised at
every grade
to save
expense
instantly.
3. For MLS
and MAS
Mega contest
we can give
cash/shoppin
g vouchers
instead of
International
and Domestic
trip and that
money we
can add to
our Company
Income.
4. No fuel
expense
should be
reimburse to
employee for
HHD case
101 70306346 done by him.
The idea is to
launch MAS
product for
MRHFL
customers.
Action Plan:
-
Approval to
be received
from MRHFL
senior
management
for
implementing
the product
-
Integration of
rate card in
MRHFL
system
- Launch
of product
Benefits:
-
Increase in
revenue for
MIBL as the
MIBL
retention
customer
base will
increase
- MRHFL
will benefit as
their EMIs will
not be
defaulted
102 70306986
We have
noted that
MMFSL loan
customers
default on
their EMIs
due to
hospitalisatio
n of their own
or their family
members.
The addition
of this rider in
MAS will
ensure that
the EMIs are
not defaulted
as they will be
paid by the
insurance
company.
Action Plan:
- Getting
quotations
from existing
insurance
company and
compare with
other
companies
Impact(benefi
t):
-
Increase in
revenue for
MIBL as well
as business as
the customer
base will
increase.
- MMFSL
will benefit as
their EMIs will
not be
defaulted.
103 70307342
We
recommend
for
centralised
placement
cell at HO to
monitor
&
networking
with all
placement in
order to have
better
negotiation
&
control over
insurers
104 70307735
Non motor
policies
through
SAJHEDAARI
by our POSP
should be
included to
generate the
Income
policies like
Fire
policy,Health
Policy,Housek
eeping
Insurance etc.
By adding this
part our MIBL
income
& profit
will be at a
105 70307849 new height.
contracts
from MMFSL
IT team
- Sharing
required
product
features with
insurance
companies
for getting
the
quotations
-
Comparison
of rates
received from
insurance
companies
and
finalisation of
product
-
Approvals
from MIBL
and the client
company’s
senior
management
for
implementing
the product
-
Coordination
with IT teams
for
development
of portal
Impact
(benefit):
-
Increase in
revenue for
MIBL
-
Decrease in
dependency
on MMFSL for
business
106 70308249
plan ,
Maximum
Service
Provider
already
restructure
their Plan.
And as per
new plan
increased
maximum
Data &
Talk time with
lower price
for their
Customers.
Minimum bill
of postpaid Rs
400 to Rs 500
but if we use
prepaid plan
then it
decrease to
Rs 250/- to Rs
300/- (per
day 1.5GB+all
call free in
India is
28days ,plan
come to
Rs249/-) by
this plan we
save almost
Rs150 per
head. And
also local area
wise Hotspot
Dongle need
to used for
Better
Network. It
will be reduce
network issue
and
employees
have to
provide
better service
to dealers
and
107 70308354 Customers.
their touch
points pan
india level
3. Cross
learning
opportunity
on single
platform for
all the stake
holders
through
Q&A
sessions
4. Flexible
in nature as it
allows to
connect on
mutually
agreeable
time on short
notice and
also allows
large
audience
using digital
platform
5. Allows
to arrange
module wise
training
whenever
requires for
phase wise
roll out of
products
&
processes
6.
Increases the
skill sets of
MIBL
employees in
terms of
imparting
training
through
digital
platforms
108 70309227
The team
bonding
would
increase and
there would
be more
focus on
winning
together and
not working
in silo.
All
parameters
like sales,
placement,
servicing,
administrativ
e
performance,
achievements
and expenses
would be
clearly
earmarked
enabling all to
strive for one
common
goal.
When all
small units
start focusing
on
profitability
there is
bound to be
an increase in
income.
Leaders
would play an
important
role in linking
the smaller
units
together...
evaluating,
motivating
and guiding
109 70309532 forward.
team we can
take help
from the local
team with the
assurance of
30% revenue
sharing with
the local
team.
Reduction of
fixed cost like
Rents,
electricity,
internet,
office
expenses,
etc.: Make
remote
working
comfortable
for
employees,
Strong IT
support for
hardware and
software.
Designing of
new
products:
Small
Business
Package
policy, we can
target MSME
organization
with our
existing
channels and
it can be
scalable with
the support
of MMFSL
because of
their business
model and we
can do this
with win-win
situation.
110 70309658
'FASTAG” is a
site through
which the
toll-tax is paid
online now-a-
days'.
For ex:- If a
person is
traveling from
indore to
Bhopal and in
between he
has to pay the
toll-tax
through
‘FASTAG’ ,
then our
company will
provide death
insurance
cover as per
seating
capacity of
the vehicle
for the area
of travel for
what he has
paid the tax.
This cover will
provide
benefit
against
uncertainties
which leads
to death.
Once the
‘FASTAG’ area
gets over the
insurance
cover will not
be applicable
anymore.
I am sure this
idea will
surely
increase the
revenue of
our company.
111 70309707
1. Work
from home
should be
continued as
a new
working
model &
current office
should be
vacant. This
will assist in
saving the
cost on
various
parameters
such as Rent,
Electricity
& Water
bills, Parking
Charges
& other
miscellaneous
expenses. If
required
Office space
of Mahindra
Finance can
be used for
some
unavoidable
situations.
2. Should
go away with
Data card
(Dongle) as
most of us
would be
having Wi-Fi
at our home
or a separate
mobile sim
card can be
bought only
for internet
purpose.
112 70310178
Need to new
tie-up with
others
Manufacture
2 wheeler,
electric
vehicle
&
Tractor, Like
Bajaj, Honda,
Sonalika
Tractor,
Escort
Tractor, ect.
still now in
tractor others
manufacture
there no tie
up with any
insurance co
or brokers co.
if we tie up
with tractor
others
manufacture,
then our
business is
increase. and
also tie-up
with others
manufacture
logistic and
warrantee
corporate tie-
up, It will be
help to
increased our
business
113 70310213 portfolio.
A MIBL's
SPOC known
as 'Insurance
Relationship
Manager'
should be
appointed to
build good
relations with
all Insurers in
industry by
frequent
meetings and
discussions
which will
help get
better
premium
quotes for
renewals.
This will also
help in having
prompt
responses
from insurers.
This will
benefit us by
procuring the
best quotes in
market which
is key to
retain the
114 70310711 client.
A month
before the
renewal, we
submit a
review
manual to the
client. It will
include the
services
provided to
the client
during the
whole year
and if
possible TAT
can also be
shown. This
can be
contract
reviews,
claims
settlements,
endorsement
s etc. This
docket will
help the
CXO’s in
creating
better
awareness
about the
work done by
us
throughout
the year.
Also, this will
help us in
creating a
good
impression in
case the
insurance
manager has
changed or
the duties
have been
assigned to
115 70310873 someone else
if we are
arrange to
maximum
code open in
employees
Sub Location,
then MMFSL
&
Independent
both are help
to closed
maximum
Lead in that
location and
Employee can
save his/her
time as well
as Traveling
Expanse or
Petrol
116 70311081 Expense.
Depending on
the industry
and Size :
Creating a
Bench-
marking
report as
MIBL on an
organizational
level .
Objective :-
1.) To have
this as a data
base to
present it to
our client .
2.) It will help
prospect and
existing client
to give an
idea of the
market
practice for
better
understandin
g of the risk .
Result :-
Will fasten
our process
for presenting
our-self as
Insurance
specialist and
will help in
designing an
effective
insurance
program .
117 70311142
Market
Research.
ii) Also,
creating
database of
Prospect
Corporate
client from
Existing Client
base like
a) List of
MDs or CXOs
from our
retail
database
b)
Research on
vendors /
Clients of our
existing
corporate
clients
This would
require
Skilled Team
and Robust IT
ecosystem
(integrated
with CRM
etc).
Used with full
potential it
would
naturally
increase the
business
volume and
income for us
because we
would be
reaching out
to many more
prospect
clients in
comparison
to what we
are
approaching
118 70311245 now.
eventually
adding to our
revenue
● The
policy sell can
be
incremented
5% monthly
in order to
further
increase the
income
● This
will also
increase the
reputation of
MIBL as a
brand.
● MIBL
will penetrate
into all types
of Insurance
markets and
products
Benefits
● This is
lead to
additional
earnings for
the company
● MIBL
can be
projected as
an all rounder
in the broking
industry
●
Employees
get a chance
to earn
incentives
● No
additional
cost as our
reach and
customer
base is
already there
to be
explored
119 70311548
with insurers
for all lines
including
health
policies
considering
the total
business
placed by
MIBL on Pan
India basis.
3. As a
broker we
should come
up with some
innovative
product
which is
currently not
available in
the industry.
For eg.
Considering
the current
COVID-19
situation if we
can design an
exclusive
Group or
Retail health
product
which should
cover the
Home
Quarantine or
lose of Job
compensatio
n then it will
certainly
increase the
volume of
business.
4.
Extending
MAS and MLS
types of
policies to
Employees of
Corporate
clients also.
120 70312139
An employee
who is
responsible
for retention
of Clients
should also
be given role
to do cross
selling of
other
products
available with
MIBL.
Employee, at
the time of
renewal
when
approaches
the client,
should
understand
the other
needs of
insurance of
client and
accordingly
offer and
pitch for
other
products. A
detailed PPT
explaining all
the products
should be
presented to
client. This
will create an
impression to
client that
MIBL can be
the one point
contact for all
insurance
needs and
there is a
single SPOC
(Retention
& Cross
Selling
Manager) to
121 70312403 co-ordinate.
1.
Creating
audio-visual
guides for
current
situations like
COVID-19.
2. Take
help of our
customer
care centre to
reach out
employees in
worst
affected areas
for their well
being.
3.
Bursting
myths
revolving
around
lockdown/fin
ancial
situation/new
normal
definition via
arranging
various
webinars or
sessions with
industry
leaders.
4. Using
web portal to
develop link
in association
with govt.
website to
update the
clients on real
situation
122 70312527
Curb Travel
Expenses and
Move to
Online E-
123 70313702 meetings
POSP doing
business
between 2.5
lakh to 5 lakh
will get 15 %
payout on OD
premium
POSP doing
business
above 5 lakhs
will get 17%
payout on OD
premium.
Benefits:
POSP will get
motivated
though higher
payout by
doing higher
business.
For remote
location will
collect
premiums
through POSP
so business
will increase.
Travelling
cost will save
Man power
cost at
location
business will
improve
through
POSP.
POSP
enrollment
numbers will
increase due
to
competitive
payout.
Due to higher
business we
get maximum
data of
customers for
future
renewals
124 70313746 base.
offers
insurance
solution
-->closes
the loop with
successful
sale
-->details
go into CRM
database for
renewal call
next year
-->original
FSS sector
employee
who referred
gets a gift for
successful
referral.
b) MIBL can
leverage
individual
contacts MIBL
employees to
set up Kiosks
at different
Mahindra
Group
companies, it
can be used
for
generating
leads form
group
employees or
referrals from
group
employees
for multiple
insurance
products
(successful
referrals
attract a gift).
Kiosks to have
one stop shop
for insurance
solutions.
125 70313960
There should
a dedicated
SPOC who
would be
having the
Claims and
enrolment
depository
and will do
the timely
analysis of
claims and
member data
and will
provide
dashborads
to renewal
team, Audit
Team &
Management.
This will help
in
understandin
g the business
positions,
income
earned,
claims
settlement
ratio of
overall
company . we
would be
having all
data required
by client
126 70314024 handy.
We need to
make all our
customers
feel valued by
way of
communicati
on. The best
can be use of
IVR calls in
multi lingual
languages
with the
option direct
calls to call
centre. This
will prioritize
the calling
work done at
the CCC
increasing
productivity
and reducing
cost. IVR Calls
or sms on
special days
would help in
building a
bond with the
customer and
hence
127 70314427 retention.
Ramjan Eid
etc.
4. Digital
broachers we
should send
to customer
monthly basis
through sms,
whats up and
email to
customer so
he will keep
in touch with
MIBL whole
year.
Benefits
Customer will
get educated
about policies
that will help
him to make
claim and
about
exclusions
this will
reduce
escalations of
issue.
This improve
moral and
trust on MIBL
of customer.
At time of
renewal
hassle for
conversion
for renewal
will get
reduced.
Our costing
on courier,
standee and
paper will
save due to
digital way of
marketing.
This will also
help for
greener and
pollution free
128 70314438 environment.
Whenever we
use public
transport
(Ola, Uber,
public bus)
for
unofficially
trip or visit a
customer, a
corporate
client or firm
official, we
share our
visiting cards
to that
driver/co-
driver of the
public
transport or
that
individual
customer or
that
proprietors,
so that in
case of any
insurance
requirement,
they can
easily contact
us or share
our contact
no. to their
129 70314629 colleague.
basis.
Benefits
This make
consistent
year renewal
of customer
assuring MIBL
and executive
secured
income.
For example
in Pune
region there
is PCV
business
month about
100 vehicles
so if we
consider Rs
25000/- per
vehicle
premium this
will ensure
our monthly
business of Rs
25 lakhs.
This product
will help to
commercial
customers
like tours and
travels, GCV
and tractors.
Mahindra will
get there
asset secured
against loan
so NPA ratio
will reduce.
Also we can
ask customer
to clear
pending EMI
to get policy
this help to
clear MMFSL
ageing
borrowers.
Portfolio
quality will
130 70314944 get improved.
We should be
taking broker
login from all
insurers and
this login
page should
facilitate
generation of
all renewal
notices,
premium
calculations,
claim data,
policy
issuance, etc.
The data
must have all
details of
business of
MIBL with
that
particular
Insurer. This
will help in
reconciliation
team ,
booking team
and renewal
131 70314988 team.
CUG plans for
all
employees.
MIBL should
own all
employees’
tel numbers
and manage
them
centrally,
thereby
controlling
cost. This
could result in
a saving of
35-40 lacs
annually
considering
that 50% of
our
employees
phone bills
could be in
the above
range
whereas the
plans
currently
available are
in the range
of 150-200
In case
managing this
is considered
tedious, we
can ask all
employees to
purchase
plans in the
range of 150-
200 and limit
the
reimburseme
nt to Rs. 200
per month
considering
that these
plans are
easily
available in
132 70315417 the market
MLS and MAS
and asked
why it not has
been
informed at
the time of
loan.Our
suggestion is
that After
Loan approval
of Mahindra
Finance,If we
arrange a
Welcome call
from our HO
about this
two
product(Call
to thouse
customers
who have
taken this
product) and
brief the
facility of
these
products
which they
have taken
like MLS or
MAS OR
Both,so that
customer will
aware about
this product
which they
have taken.At
the time of
renewal it will
much easier
to do
retention and
customer will
not tell us
that he did
not know
about this
product.Also
real time
claim will be
133 70315475 happen.
program for
them where-
in they can
refer their
friends/relativ
es for
new/renewal
business. We
can organize
either virtual
or physical a
training
program for
them and
train them on
our insurance
products
All our claim
customers
can act as our
brand
ambassadors.
They can
influence
people easily
since they
have already
experienced
our services.
This initiative
can help in
generating
new business
as well as
renewal
business.
These claim
customers
themselves
do the
renewal for
their policies
which they
have taken
from us. Also,
they can push
people for
renewal to
whom they
sell the
134 70315801 policy.
More
marketing
and branding
to be done
across all
prospect
customers to
make them
understand
the role of
MIBL as
broker. We
can arrange
for wellness
activity,
distribute
souvenir with
MIBL's name
embossed on
it, circulate
awareness
videos , etc.
MIBL's service
and wide
arrange of
products
offering
should be a
well known
factor in
135 70315884 market.
Admin team
to share list
of all vendors
with whom
we are
providing us
some service.
Based on the
vendor and
his
profession,
they should
be contacted
and offered
insurance
solutions
(individual
and
commercial)
suitable for
their line of
136 70316218 work.
we should try
to take Group
Exclusive
Mandate
from
Mahindra
&
Mahindra
Company.
This help us
retain all our
corporate
customers
and also bring
back the
corporates
who are not
with MIBL
137 70316636 currently.
Due to the
work-from-
home culture,
Clients and
Employees of
MIBL might
feel a sense
of drifting
away. It is
essential to
keep Clients
involved by
sending them
periodic
newsletters
abut financial,
regulatory
and economic
impact of the
lockdown
situation. A
video-address
by SMC
members
might uplift
the drive of
the
employees
while
maintaining
the same
sense of
belonging and
commitment
to
Organizationa
l Goals, as
they did
during the
pre-lockdown
'Office
culture'. Both
these
initiatives will
enhance
employee
motivation
and client
138 70316833 engagement.
Inviting Major
Corporate
clients for an
annual meet
Objective :-
Will help in
Customer
Engagement /
Visibility
/Retention
and also to
portray MIBL
strengths .
Will Improve
Client Focus
towards MIBL
Result :-
Will enable
Customer
long term
relationship
and in
knowing each
other by
sharing
market
139 70316866 information.
Introduction
of B2B2C
model
focusing on
Retail Covid
Only, Retail
Health/
Parents only
& retail
Motor
policies for all
Mahindra
Clients/
140 70316867 Contacts
increase the
growth in the
revenue. The
expenses
which will be
saved from
WFH idea,
can be used
in
Incentivizing
the
employees
which will
motivate
them to close
more
business on
monthly
basis. With
this program
employees
will get
benefited
with extra
money in
these tough
times.
We can also
try sending
IVR message
to all MLS and
MAS
customers in
regional
language (it is
very cost-
effective).
The
customers
who show
interest, the
CCC can call
them and
convert them
easily, either
by sending a
payment link
or by having
them met by
the regional
141 70317149 team
Region/ State
wise Lead
generation
through
Reinsurance
Team. RI
Team to pass
cedant
Facultative
business lead
to respective
142 70317327 local team.
Monetering
and Gauging
change in
customer
demands to
help us to
prepare for
the NEW
challanges in
new
NORMAL.
Effective use
of digital
media to save
143 70317632 cost
Generating
income
through
Reinsurance
Placement by
liasoning with
Domestic/
Mid size
Insurance
Brokers who
do not have
reinsurance
license and
helping them
in
Reinsurance
144 70317637 Placement
for the next 6
months which
will lower the
risk virus
transmission
and also
property
expenses can
be cut down
relatively to
0%. The
continuation
of WFH
should be
forecasted
basis the
situation of
pandemic or
company's
revenue
generation.
Out of the
two floors
occupied by
MIBL at HO,
the 4th floor
should not be
opened at all.
This will
result in
cutting down
company's
expenses like
electricity,
rent,
reimburseme
nt(travel
& food),
etc. It can
also impact
on the
employees
well-being as
they will be
cutting their
travel time,
safety from
virus
transmission,
145 70317806 etc.
from the
competitors.
Encouraging
and opting for
digitalized
payments
methods like
Google pay as
they have
gained
popularity.
This will assist
not only in
having more
secure
transations
and record
keeping but
also in
reducing turn
around time
in issuing
policies.
Providing
clients with a
news letter to
update them
of the
changes in
Regulatory,
Fiscal and
Economic
parameters
affecting the
Insurance
industry to
remain
proactive.
Periodically
addressing
the
employees to
enhance the
sense of
belonging to
the MIBL
Family, thus
inducing
motivation.
146 70318093
PACKAGE /
REWARD
POINT WHICH
HAVE SOME
MONETARY
VALUE. IN
MEGA
CONTEST
EMPLOYEE
LOOSE
MOMENTUM
WHEN THEY
COME TO
KNOW THAT
THEY ARE
NOT NEARBY
WITHOUT
LEADS TO
STAGNATION
OR DIP IN
TAKE UP BUT
BY USING
COUPAN /
PACKAGE /
REWARD
CRITERIA
THEY WILL
REMAIN
MOTIVATED
TO BE THE
WINNERS
EVERY TIMES
BY
MAINTAININ
G THE
HIGHEST
TAKE UP .
THIS WILL
IMMIDIATELY
INCREASE
OUR TAKE UP
BOTH FOR
MLS MAS ,
FAMILY
FLOATER
WITH
INCREAE IN
INCOME
DRASTICALLY
IN EVERY
147 70318256 BRANCHES.
post renewal.
This will
display a
good post
renewal
service of
MIBL.
Conducting of
Review Meet
– to be
scheduled
monthly ,
quarterly or
half yearly as
per client.
They will be
shown the
claims
summary,
member data
analysis,
Claims
graphing by
broker &
procure
feedback
form. This will
help
understand
client’s
expectation
for next
renewal.Com
pany value
Added
Services –
Wellness
activity and
other benefits
to be planned
well in
advance for
whole year
and to be
conducted on
timely basis.
Call Centre –
Toll free
number to be
available
148 70319052 24/7.
Cost involved
for stay
& travel
Annual
Cost
CCM meeting
with the
Dealers 4
4
24000
288000
Meeting with
insurer for
review 4
1-2
5000 60000
Training for
channel
Partners 5
1-2
5000 60000
expenses
/state/year
408000
Total Costing
= 20 (No. of
states)*4,
08,000 = 81,
60,000 /-
We are
strongly of
the opinion if
we use the
technology
effectively,
we can trim
down the
outflow costs
radically with
immediate
effect.
As claims
team we
believe as
rightly said
- A penny
saved is a
penny earned
149 70319169
we can create
an online
platform/and
roid app for
our field
team/back
office team so
that they can
send Motor,
MAS &
MLS renewal
link to
customer
mobile no.
directly,
where
customer can
check and
compare the
premium and
pay the
premium
amount
through UPI,
credit/debit
cards or other
wallet apps
which
minimize
local
expenses as
well as
cheque
150 70319763 bounce cases.
village.
This facility
will also help
to collect the
motor
renewal
premium
( MMFSL HPA
cases),MLS
and MAS.
Looking the
current
market
situation this
idea will help
to Cost
Reduction
Measures.
Points are
mentioned
below:-
1. Travel
cost
reduction
2.
Customer
reach
3. Time
saving
4. Faith
and Trust
building
5.
Customer
Satisfaction/S
ervice
6. This
facility will
help to
increase 5
MLS and 5
MAS and 3
Lac NP motor
renewal
premium per
BDE per
month
151 70320339
Tying up with
a Business
risk Analyst
who can do
an analysis of
clients own
business .
Objective :-
Customer
Value added
Service
Will help in
Insurance
Budgeting
Result :-
Will help
client in
understandin
g their own
business
Risk / loop
holes for
financial
soundness
/Financial
Projection-
Predictions
for next 3
152 70320462 years
THE
COMPANY
SHOULD
LAUNCH ITS
OWN HEALTH
POLICY
WHICH
COVER
HEALTH
COVERAGE
LIKE MAS
WITH
COVERAGE
OF COVID 19
IN SLIGHTLY
LESS
PREMIUM
FROM
OTHERS, ALL
EMPLOYEES
AND
MAHINDRA
GROUP
CUSTOMERS
SHOULD
HAVE A
POLICY FOR
EVERYONE .
HOSPITAL TIE
UPS SHOULD
BE DONE ON
DISTRICT
LEVEL ,
THE
COMPANY
SHOULD
HAVE ITS
OWN BANK
CHANNEL
WHICH WILL
BE HELPFUL
IN REVENUE
GENERATION
153 70322146 .
going to see
new heights
as per survey
due to
COVID-19
issue. We can
help create
insurance
programs at
such dealer
outlets or
MFCW.
9- We can
run a refer
and earn
program and
incentivise it.
Action Plan or
Execution:
1.
Regional
teams will
start with
their best
customers
2.
Perform
Quarterly
Business
Reviews
3. Create
a Customer
Case Study
and
homogenize
like
customers
4. Offer a
Trial
5. Offer a
Discount or
Incentive
Program
6. Tell
Them They
Need It
7. Sales
Team
Incentive Plan
154 70323331
RIGHT NOW
WE ARE
SHARING THE
RENEWAL
MESSAGE
WITH
CUSTOMER
WITHOUT
PREMIUM
QUOTE.
START
SHARING
MESSAGE TO
CUSTOMER
WITH
PREMIUM
QUOTE OF 3
OR 4
COMPANIES.
SO THAT
CUSTOMER
COMPARE
THE
PREMIUM
WITH OTHER
COMPANIES
INSTANTLY
AND CAN
RENEW HIS/
HER POLICY
INSTANTLY
WITH ONLINE
PAYMENT
155 70323450 MODE
Like MLS
& MAS
we offering,
we also
design a
product for
Health
insurance
top-up and
Pure Death
cover policy
for Covid-19.
In this
pandemic
situation all
our group
employees
understood
that the Sum
insured in
GPA and GMC
is not
sufficient,
hence they
searching the
alternate in
market, this is
the right time
to support
our group
company
employees,
its our
responsibility
too.
Also this can
be shared as
a message to
them with a
link which
enable them
to pay online
wherein the
premium can
be debited
from salary
156 70323804 also.
(just like
nobody wants
to write
Scorpio).
5- We can
apply a
capping say if
policy i)
having NCB –
normal
discounting
rates
applicable ii)
not having
NCB –
discount not
more than
50%.
6- Or we
can promote
NCB
protections
add on to
such
customers;
this will help
boost the OD
premium.
Advantages:
1-
Reduction in
claim ratio
2- OD
portion will
be high so
brokerage will
be high
3- Overall
motor
premium will
be high
4- ICR can
be controlled
5- At the
end a
satisfactory
customer
associated
with us.
157 70323877
Incentivize
sale of
standard
products by
our
employees -
Incentive
schemes can
be run for all
our
employees
for insuring
relatives/neig
hbours/friend
s and so on in
their area for
standard
motor/health
products (Not
MAS/MLS).
Referral
schemes can
be run for
desk
staff/back
office staff
who can refer
potential
customers to
the sales
158 70324191 team.
SATISFACTIO
N.A
SATISFIED
CUSTOMER
WILL WORK A
BRANT
AMBASSADO
R FOR US
& WILL
HELP US
EVERY TIMES
TO INCREASE
OUR
PRODUCTIVIT
Y &
REACH ALL
ACROSS . WE
SHOULD
START SOFT
CALLING TO
ALL OUR
CUSTOMER
FROM
MMFSL
& MIBL
BASE FOR
MINIMUM 3-
4 TIMES
DURING THE
POLICY
TENURE.
FIRST WITH
WELCOME
CALL
FOLLOWED
BY SERVICE
,AVAILABLE
PRODUCT OR
ANY
REQUIREMEN
T. THIS WILL
KEEP OUR
CUSTOMER
CONNECTED
TO US &
WILL HELP US
A LOT IN
CUSTOMER
RETENTION
&
159 70324219 SERVICE.
products
-->
response on
sent emails to
be captured
by Business
SPOC -->
MIBL team
understands
the need and
offers
insurance
solution
--> closes
the loop with
successful
sale
-->details
go into CRM
database for
renewal call
next year.
c) If the
above point
of reaching
out to
vendors turns
out to be
successful, it
can be
cascaded to
all the
departments
eventually
d)
Targeted
marketing
from LinkedIn
platform can
be used to
identify and
reach out to
potential
customers
who are
following our
page
160 70324338
Send Happy
Birthday
messages in
English/Hindi
to our
MLS/MAS
Customers.
Send Covid
tips to all
customers via
161 70324552 sms.
GIVE PROPER
TRAINING TO
MMFSL
EMPLOYEE
FOR ISSUING
POLICIES IN
SAJHEDARI
PORTAL. SO
THAT MMFSL
POSP ISSUE
POLICIES
INSTANTLY IN
THEIR CIRCLE.
IT WILL BE
INCREASE
OUR
PRODUCTIVIT
Y AND
INCREASE
INCOME
162 70324775 INSTANTLY
Push Group
Mediclaim
through a
referral
program
where
employees
can get the
team in touch
with the ex-
companies
and help in
pushing
group
mediclaim to
their ex-
companies.
Target mid-
sized start-
ups with
recent
funding and
enrol them
for Group
163 70325094 Mediclaim.
WE SHOULD
IMMEDIATELY
DO
REDUCTION
IN MOBILE
BILL LIMIT .
THERE IS
VERY VERY
ATTRACTIVE
PLANS FROM
EVERY
NETWORK
PROVIDER
WITHIN THE
RANGE OF
600-800
HAVING
UNLIMITED
CALLING
WITH HIGH
DATA
AVAILABILITY.
BY DOING SO
THERE COULD
BE A
MINIMUM
SAVING OF
RS. 200-500
RUPEES PER
ELIGIBLE
EMPLOYEE
EVERY
MONTH WITH
IMMEDIATE
EFFECT.
WHICH WILL
HELP US TO
REDUCE OUR
COST &
TO INCREASE
164 70325379 THE INCOME
Sending Auto
mailers with
CC to RM and
Related
servicing
manager to
all clients for
Available New
products in
Market /New
born baby ,
Birthday
&
Festival
Wishes , Also
Increasing
Visibility in
Facebook /
linked-in and
other portals
by sharing
MIBL success
story or
customer
satisfaction
mailers or
feedback's .
Result :-
Increase in
Visibility /
Endorsement
of Brand
Name /Focus
towards
client - This
will show our
165 70325426 care
practice.
MIBL
employees
must have
access to
Sajhedaari
portal for
policies
issuance to
save time in
business
generation
&
business
booking.
MMFSL
employees
need to be
trained for
online
policies
issuance
through
Sajhedaari
portal so that
they can
provide
policies to
customers
instantly.
MIBL
employees
need not to
submit
business done
on Sajhedaari
portal in
Saiba online
DAR, it shall
be done
through
system due to
Saiba &
Sajhedaari
portal
integration.
Regular
training to be
done for
Sajhedaari
166 70325480 portal
Insurance
Products
offered by
MIBL. With
the
information
and
knowledge at
their
fingertips,
they will be in
a better
position to
refer
potential
customers to
the business
teams.
Business
Teams need
to create
training
modules to
train
employees.
Training
modules can
be hosted on
HandyTrain or
VeLM.
Depending on
the business
brought in,
company can
decide to
provide
incentive in
terms of
cash/gift
voucher etc.
MIBL
employees
should be
urged to
bring in leads
through their
contacts for
all the various
products
offered by
167 70325581 MIBL.
happen
through
WFM. This
will be cost
effective
structure as
all the non-
revenue
generating
activities will
be done at
almost 30%
reduction of
onsite model.
Cost like
transportatio
n, location
rent,
electricity and
other allied
cost will be
saved in WFH
model and
parallelly
under onsite
model the
team can
focus on
generating
business to
overcome the
the the cost
based
models.
Effective
measures like
upscaling and
downscaling
the number
of people,
flexible shifts,
Technology
based
initiatives and
wider reach
of employee
recruitment
will be an
added
advantage .
168 70325595
team/depart
ment and
make sure
that the
query is
resolved.
SPOC will
have to visit
the client
every
weekly/mont
hly to build
his
relationship
strong, which
will help at
the time of
renewal also.
When only
one SPOC is
visiting the
client the cost
and time of
MIBL will be
saved.
(Different
person from
various team
will not be
required to
visit to the
client.). This
process will
help us retain
the client and
provide the
BEST service.
Also each
& every
individual will
be motivated
to become
SPOC for
certain
corporate’s,
which will
enhance
individual
knowledge in
different class
169 70326143 of business.
with Road
Transport
Authority and
promote
campaign
4) Design
specific
product such
as “Picnic
Insurance”
and launch
during college
events/festiva
ls and
promote
campaign
5) Drive
“BIMA
Awareness”
at
Corporate/St
art-up
Companies
and promote
campaign
Anticipated
Benefits to
Organization
•
Increase in
Brand Value
through
Positive
Marketing
•
Increase
traffic to
PayBima
website
• Word
of mouth
marketing
• Higher
returns with
minimum
marketing
expenses
170 70326164
Currently
Operation
Team
receives the
policy booked
in pdf file
from
insurance
company and
manually
extract the
policy related
details in
SAIBA system.
This process
can be
automated
using
Robotics Tool
and also
similar kind of
operation
processes
which are
redundant
& time
consuming
can be
implemented
using
Robotics tool
171 70326221 in MIBL.
We need to
create a
Mobile
application in
which all our
product Like
Motor/ MLS
and MAS
should be add
so that
customer/
MIBL TEAM
can renew all
their policy
from this
application
with online
payment
mode . And
also
communicate
to all MIBL
team to
promote this
application
with your
social
network so
that visibility
of the
application
increase and
can be reach
more
172 70326275 customers.
improve
productivity .
Points are
mentioned
below:-
1. Time
saving
2. All is
one –Portal
(General and
Life insurance
products)
3.
Multiple
products
available in
single digital
platform for
cross sale
4. It will
help us to
standard
services to
customer
5. It will
help to
increase non
M&M
business 5 Cr
per month
PAN India( 10
to 15 cases
will increase
per BDE)
6. It will
help to
improve
business
booking
7. It will
help to
Customer
satisfaction
8. It will
help to
Compare
products
173 70326400
sale and up
sale of
insurance
products
within
Mahindra
Group
entities. We
can create an
insurance
portal where
we can
provide client
specific login
ids in order to
satisfy
individual
insurance
requirements
which will be
a one stop
solution for
our clients.
MIBL as a
consultant for
a corporate
level as well
as an
individual
level will
immensly
help the
organisation
to form a
good relation
with the
client. A
centralised
team who will
co-ordinate
for insurance
business
within group
companies
can be
established
which will
help to seize
the internal
business
174 70326649 effectively.
of the above
app will have
a very
positive
impact since
it will be very
easy for all
customer to
connect with
MIBL &
MMFSL. MIBL
executives
will be able to
handle the
business
leads very
effectively
and
customers
will be able to
avoid call-
centre calls.
The company
will be able to
provide
prompt
service to its
customers
which will be
very cost-
effective
& also
time saving
for both its
employees
&
customers.
Important-
we have
video &
digitalization
pamphlet as
supporting
documents to
evaluate for
OMC which
are sending
on mail to
group of
175 70327174 OMC.
We should
add a new
product in
MIBL
corporate
plus fapp or
MMFSL
employees
such as
corona virus
cover, malaria
cover
mosquitoes
insurane like
something. so
that all mmfsl
employee can
avail the
product in
low cost and
it will help to
increase
income of
176 70327300 MIBL.
INVOICES IN
DIGITAL
MODE
ONLINE.OTHE
R BROKERS
ARE GIVING
ONLY
ADDITIONAL
TO AGENTS
AND
RETAINING
ENTIRE
DISTRIBUTIO
N
FEES.SAJHED
AARI PORTAL
SHOULD BE
UPGRADED
AS PER
PRESENT
COMPETITOR
S TO GIVE
BETTER
SERVICE.
DISCOUNT
RESTRICTION
FOR MAX
20% FOR
AGENTS ON
MAHINDRA
VEHICLES FOR
FIRST MIN 2
OR 3
YEARS.IN
EBM PORTAL
ADD ON
RATINGS AND
PA COVER
PREMIUM
SHOULD BE
EQUAL FOR
THE ALL
INSURANCE
COMPANIES.
ADDING THE
LINK OF
PAYBIMA,ML
S AND MAS IN
MMFSL EMI
PAYMENT
177 70327630 LINK.
professional
indemnity
insurance,
illness specific
policies like
Dengue
cover, Cancer
policy etc.
We can
identify 5-6
products to
be sourced
through retail
team which
will help us to
increase
business,
income
& profit.
We need to
have at least
one product
training every
month to
educate,
prepare our
team so that
they can cross
sell
effectively.
There are
many policies
available with
many
insurance
companies
having good
product
features, low
premium, and
good income
% age.
Policies
having
premium
upto Rs. 1000
can be done
cross selling
to existing
& new
178 70327863 customers.
Our CCC
teams are
calling the
customers
separately for
each product
i.e. MOTOR,
MLS &
MAS. My
suggestion is
that instead
of calling the
same
customer in
three
different
times or from
three
different
telecallers,
we may have
a common
call to our
customers for
all these
products
through one
telecaller
with a clear
description of
all the
benefits of
our products.
This will
reduce our
call centre
cost as well as
will help us to
secure
maximum
retention
within a
single
communicati
179 70327884 on.
Company
should add all
employees on
Facebook/
instagram/
linked in.
Company
should launch
their all
products on
social media
so that every
employee
share these
products on
their walls
and timeline
and it will
increase
maximum
reach to
people to
spread
awareness. It
will increase
our branding
and increase
our revenue
180 70328108 as well.
and delivering
solutions are
key factors of
servicing. A
tie-up with
Wellness
organisation
will be a step
towards
effective
servicing as
well as
revenue
generation
model. It will
be easy to
provide
wellness
sessions on
various topics
in a cost
efeective way
with the help
of wellness
organisation.
An insurance
repository
can be
provided in
order to
maintain
insurance
policies and it
will be easy to
maintain
track of
policies. A
dedicated risk
management
team for
inspection
will be useful.
Also, we can
offer rewards
to our clients
for loans, on
purchase of
vehicles from
Mahindra
Group
181 70328248 companies.
For Health
and life
insurance
product(MAS,
MLS), can we
arrange to
share a policy
download link
to the
customer
through
mail/message
and arrange a
welcome call
with help of
Royal
Sundaram,
Kotak
insurance or
concern
insurer, so
that
insurance co.
can explain
more about
the product
and can
resolve
customer's
doubts, if any.
we can create
the
awareness of
life/health
product
through this
activity.
courier
charge or
field staff cost
182 70328275 minimization
REDUCTION
IN LOCAL
CONVEYANCE
WILL HELP US
TO SAVE AS
LOW AS 500-
800 RUPEES
PER
EMPLOYEE
PER MONTH.
EITHER WE
CAN FIX THE
LOCAL
CONVEYANCE
@2500 -3000
ETC OR
EMPLOYEE
MUST BE
CORRECT LOG
BOOK WITH
DAILY
ENTRIES . WE
CAN ALSO
USE THE
MOBILE
APPLICATION
LIKE MMFSL
FIELD TEAM
IS USING
WHERE THEY
ENTER THE
LOCATION
AFTER EVERY
RECEIPT
ISSUED
WHICH WILL
ITSELF
GENERATE
THE LOCAL
CONVEYANCE
FOR EVERY
183 70328662 EMPLOYEE .
Because from
the last year
We had
introduced
accidental
policy (PA) to
our MMFSL
Employee on
Digital flat
form &
We have got
tremendous
response on
digital
platform, If
we given the
such product
for our
customer
then it will be
really
beneficial for
customer as
well for our
company.
184 70328664
Setting a
roadmap for
the PoSPs to
execute the
following,
thereby
increasing the
income:
1. Increase his
customer
base by
bringing a
portion of
customers to
approach him
along-with
the
conventional
way of PoSPs
approaching
the customer
2. Leveraging
existing
customer
base to cross
sell new line
of PoSP
products
3. Act as
Insurance
advisor for his
customer
& play a
pivotal role in
customer's
life, when it
comes to
E-Approval
System :
Currently in
MIBL all the
approvals for
memorandu
m, purchase
order,
circular,
meeting
notes are on
physical copy
which is time
consuming
and difficult
to track. Also
for minor
changes
correction
taken place
via mail or
calls. To track
the notes and
approvals, we
should create
a system
which will
help us in
creating
repository for
all approvals
notes in MIBL
along with
work flow
mechanism to
track these
documents.
So in future
we can also
track
document
along with
authorization
authority
details.
186 70328823
 Idea:
Identification
&
enrollment of
existing key
customer as
POSP for
increase in
retention
& roll
over business.
Challenges :
Unable to
increase MIBL
reach to our
rural based
tractor
customers
& fleet
customers.
Value
addition : By
enrollment of
our key
customers (i.e
Fleet/
Repeated
customers) as
POSP we will
increase our
base as well
as
retention
percentage.
Substantial
Improvement
: It will help
us to scale up
our overall
retention
percentage
up to the
tune of 8 - 10
187 70329312 %
DONGLE
USAGE TO BE
STOPPED FOR
EVERY USER
TO WHOM
MOBILE
REIMBURSEM
ENT IS
APPLICABLE .
TELECOM
COMPANIES
ARE
OFFERING
VERY GOOD
DATA PLANS
ALONG WITH
UNLIMITED
CALLING ON
MOBILE
THERE EVERY
USER CAN
GET
CONNECTED
WITH THEIR
MOBILE DATA
RATHER
THAN USING
DONGLE. THIS
WILL
IMMEDIATELY
HELP IN COST
REDUCTION
AND
MINIMUM
500-700
RUPEES PER
EMPLOYEES
COULD BE
SAVED PER
188 70329632 MONTH.
We can have
a provision of
giving free PA
policies to
each of our
customers at
the time of
renewal of
their MOTOR
policies which
will cost
nearly Rs.
100/- or
150/- rather
giving them
maximum
discount in
their MOTOR
policy
renewal. The
premium for
the PA policy
can be
calculated
&
integrated
within the
motor
renewal
premium
within a
marginal
discount only.
This may help
us to
generate few
more income
through Cross
189 70329662 selling.
provide 360°
insurance
solutions. This
will be a type
of portal on
which the
customer can
buy insurance
as per his
requirement.
in this portal ,
the customer
can know the
current
status of his
policy, if he
needs any
service, he
can also get
it.
The points
are
mentioned
below:-
1.It will
increase MIBL
company
brand image
2.cost saving
3.it will help
to increase
customer
connect
4 it will
provide 360°
Solution to
customer
5. it will help
us to provide
multiple
range
6 Number of
customers
will increase
for each
segment
190 70330070
online
premium
payment to
save on
monthly fuel
reimburseme
nt, employees
can issue
policies while
sitting in
office through
online
premium
payment, can
use time
saved (time
saved in going
in field,
collecting
premium
from
customer,
issue policies
from RO;
return to
office in many
cases,
employees
has to visit
customers
more than 2
times for
policies
delivery, this
will also
minimize
mishandling
of cash) in
generating
more
business.
Ideally we
must have
reduce
mobile
& fuel
expenses by
25% at
company
level
191 70330075
Mobile
& Data
card bills can
be reduced
by
implementing
a customized
common plan
like CUG for
every
employee
with VOICE
& DATA
facility from a
common
Network
Operator
rather than
giving grade
wise monthly
reimburseme
nt for mobile
bills. Through
this process
the cost of
calling &
surfing with
data can be
192 70330720 minimize.
We would like
to propose
Interactive
Voice
Recognition
(IVR)
implementati
on for policy
renewal
& other
kind of
enquiries
related to
customer
policy. So it
would serve
as self serve
methodology
for customers
to check their
policy details
or renew
their policies
without any
manual
intervention.
Workflow to
be developed
for handling
smooth
customer
journey via
193 70330824 IVR.
difficult for
any
employee/CC
C to call every
customer
once in a
month. We
need to
create MIBL
Whatsapp
number for
all of our
customers,
most of
people use
Whatsapp,
we can offer
whatsapp
communicati
on services to
customers,
customers
can accept it
& MIBL
can send one
weekly
message to all
customers for
policy
servicing,
availability of
product
range, claims
servicing,
cross selling,
getting
customer
feedback etc.
This will help
customers to
remind MIBL
& will
help
customer
engagement,
better
customer
servicing with
better
customer
194 70330941 retention
are not aware
of the PA or
hospicash
policy . We
can promote
these two
products to
all the
existing
customers
while giving
renewal
reminder for
the existing
policy
* Taking the
ownership of
the problems
- We can
share
escalation
matrix to the
customers for
the
immediate
closure of the
issues/ query
they are
raising
* Conduct a
region wise
customer
meet once in
a year - We
can give
awareness to
the
customers
about our
products and
servises and
conduct fun
programs to
entertain the
customer and
they shall feel
how we value
our
customers
195 70331044
At present we
are dealing
with 5000
plus vendors
within a
Group. Admin
team to share
list of all
vendors with
whom we are
providing us
some service.
Based on the
vendor and
his
profession,
they should
be contacted
and offered
insurance
solutions
(individual
and
commercial)
suitable for
their line of
work. This
concept can
be expanded
to the Group
Companies as
well where
vendors of
Group
Companies
can be
contacted.
We can
approach
them to
enroll as
POSP as well
which will
increase our
customer
196 70331066 base.
Challenges:
With this
covid 19
guidelines,
MIBL team
unable to
meet 100%
MMFSL team
on regular
basis &
unable to
approach
them
physically
about our
product
&
services.
Value
addition: By
doing so MIBL
team can
interact with
our internal
customers on
regular basis
& ask
them for
support to
scale up our
MLS / MAS
renewal
cases, new
take ups,
motor
retention.
Also MIBL
team can
resolve the
query of
MMFSL team
in due time.
Face to face
interaction
matters a lot
during this
covid 19
situation.
197 70331470
Currently we
have Spoors
mobility
platform
which is used
for
receipting/col
lection.
We need to
extend this
for Lead
generation
and link with
Mobile APP
system by
creating a
workflow for
end to end
customer
journey. The
leads getting
generated
from the call
center(MLS/
MAS/Motor)
-> gets
assigned to
the executive
on the App
> he/she
closes the
lead ->
Payment
Gateway
198 70331581 (Mobile APP)
PayBima need
to be
launched
immediately
as it will help
MIBL to have
space in
online
insurance
market. Many
customers
buy insurance
online only.
This will help
MIBL to get
more
customers,
business
&
199 70331652 income.
There should
be a one stop
solution like
Mahindra
Quick-Pay.
Digitalization
creates more
cost
reduction.
Like
customers
can directly
deposit there
EMI through
Mahindra
Quick-Pay, we
should have
also one stop
solution point
where
customer can
directly
access with
their
agreement
number and
pay our
products
premium like
MAS, MLS
&
MOTOR in
very easy
way. This will
increase our
customer
retention as
well as
customer
services in a
200 70331690 better way
• In
MMFSL
Manthan
Scheme the
Present take
up is 36% , we
need to
Increase
minimum
70% by
Changing the
Script of
MMFSL Call
Center , we
need to
Provide the
Training to
MMFSL CCC
as well as
need to add
the MLS
Speech in
Script .
• In
Manthan
Funding we
need to
ensure to
Include the
Motor
Renewal
Funding too
so that
Customer
Vehicle is
Secure and
Even Increase
the Direct
Renewal too
201 70331811
The idea is to
increase
enrollment of
POSPs in
Sajhedaari
portal by the
following
ways :
-
Employees
should be
asked to get
POSPs
enrolled in
Sajhedaari
through their
references
- Certain
Mahindra
employees,
post
retirement
get into
Insurance
selling. They
can be
approached
to become
POSPs for
MIBL.
An increase in
the number
of POSPs will
increase our
sales and
therefore
revenue. By
enrolling
POSPs we are
helping them
increase their
income and,
through our
products,
secure our
customers.
202 70331843
executive said
this is one
year next
year renewal
mibl
employee call
back
repo vehicle
policy agent
convert to
posp for
insurance
all insurance
company are
not send link
some of
company only
send
EBM portal
auto message
send two
month before
digital
paybima used
effective
manner
excel motor
mls mas need
single
message
Data Card Not
required as all
employee
using mobile
data with Hot
spot
we can give
TAB instand
of Laptop for
New Joinee
BDE
Dental Cover
Not required
in GMC Policy
as we are not
using it
effectively
Marriage
Honeymoon
Expenses
203 70331998
physical files
in office and
reduce costs
for occupying
space and
purchase of
new files. We
need to
maintain soft
copies of
documents of
each and
every claim
by scanning
those
documents
and saving it
on the server
with the claim
number / file
number. This
will help us to
locate the file
as and we
required and
also will help
in
maintaining
physical files
which
occupies
spaces in our
office. even
we can share
the link with
client so that
they can
upload claim
documents
directly, By
maintaining
records in
soft form, we
can reduce
subsequent
storage cost
of old files
with the
outsourced
agency
204 70332206
We must
need to
monitor Per
Person
Productivity
quarterly. Any
non
performing
employee
must be
issued with
PIP. PIP shall
have validity
of one month
& if
employee
don't improve
in 3 PIPs,
company
must take
action on
his/her. We
must need to
have ratio of
back office
& field
205 70332242 employees.
• For
MMFSL
Consumer
Loan
customers
we need to
Come up with
Small ticket
size Loan
Protection
Policy
immediately
to avail the
Benefit of
Future if the
Volume
206 70332374 Increases .
When
customer
reaches to
MMFSL
branch to
close his loan
account we
can offer for
MAS policy
with the help
of Branch
A/c/ Cashier
&
Collection
team along
with MIBL
team.
MIBL BO
team along
with field
team daily
get in touch
to his base
and span of
locations
Branch
accountant
for MMFSL
contract
closure if any
at that time
he/she can
pitch and
close the
same.
app. 1200
MMFSL
branches PAN
India where if
we take 5
closure per
branch i.e.
1200*5 =
6000
1 mas
renewal
income is
app. 1000
1000* 6000
=6000000
207 70332395
We have
observed that
we are not
doing MLS
and MAS of
Co-Borrower
where as
other finance
companies
securing the
asset through
loan suraksha
products.if
we provide
the MLS and
MAS to Co-
Borrower, we
can secure
MMFSL asset
as well as
generate the
good income.
The points
are
mentioned
below:-
1.it will
enhance
more asset
security to
MMFSL and
MMFSL
customer
2.It will help
to secure
asset of
proprietor
firm business
3.It will help
to increase
MLS and MAS
new take 7%
to 8% as well
as income 6
Cr in a year.
4.It will help
to
productivity
208 70332438
We should
have a
platform/Appl
ication for our
field
employees of
generating
premium
quotation
&
comparison
of premium
for MOTOR
renewal cases
like the way
we are
currently
working with
our
Sahjhedari
portal in
POSP module.
This will help
us to close
maximum
renewals
without
consuming
much time.
Also our
existing
concept i.e.
PayBima
should start
as soon as
possible for
better
servicing to
our
209 70332579 customers.
available in
single
module)
2. to be sent
birthday,
anniversary
wishes to
customer
through
whats app OR
text
messages.
3. to be sent
policies on
their mobile.
(Motor, MLS
& MAS)
its beneficial
in future for
cutomer.
4. to be sent
our all
products
information
them to know
for variety of
MIBL its
beneficial for
us to
generate
maximum
retention
leads &
business.
5. MIBL
advertisemen
t comes on TV
/ FM Radio
for awareness
of insurance
products.
6. MIBL CSR
activities
informaation
also given to
customers to
know their
social
responsibility.
..
210 70332610
send the
policy PDF
with details
through link
on customer
mobile
instantly once
the policy has
been issued
at insurance
co. level
which will be
better to
understand/g
et the details
of policy
documents
along with we
can
give/share
the Local
MIBL person
contact
details if
customer
want any
more details
related to the
insurance
service which
will be helpful
to retain our
customer
with MIBL
only in all
types of
Insurance
Products.
as well as if
possible
please send
the birthday
messages to
our MMFSL
Loan
customers
which will be
beneficial to
maintain the
relationship
211 70332989 with them.
feedback
session from
claim settled
customers
( Motor/MLS/
MAS) &
simultaneousl
y can
approach
&
educate our
other
products.
Challenges:
As insurance
sale through
dealership or
MMFSL
Executive,
customer can
not know our
team or
aware about
our others
products.
value
addition:
•Customer
feedback
after getting
service will
increase
customer
retention
program,
they motivate
other
customer to
purchase. We
can easily
educate our
other
products to
such
customer and
will find to
increase
scope of
business in
other areas.
212 70333130
• We
need to
Increase the
Strategic
Business
through more
Tie up, we
can tie up
with no. of
Riksha Union
for Motor
Insurance , tie
up Mahila
Bacchatgat in
Vilages for
Small Ticket
Size Life and
Health
Insurance for
them and for
their Family.
213 70333212
Idea:
Identification
of Customer
at Village
level with the
support of
MMFSL who
is having
influence in
village and
convert to
PSOP.
Value
addition:
•Opportunity
to get new
business and
also increase
the business
specially
independent
customer.
• This
activity will
increase the
branding of
our company.
•
Mahindra
Insurance can
easily be
reachable at
village level
also.
214 70333544
We need to
have credit
cover for T-
permit
vehicles/prop
rietary cases
which will
help to
increase our
215 70333630 income.
We can send
periodic
mailers, bulk
messages,
whats apps or
even on
facebook post
with all the
information
about our
products with
attractive
broucheres to
the dealers
and all the
other
realated
parties likes
corporate
clients,
vendors,
retail clients.
For which the
data base of
contact
details has to
be
periodically
updated.
Also for
commercial
ads we can do
our MIBL ads
jointly with
our group
companies
ads which will
help us to
cover
maximum
viewers and it
will reduce
the huge cost
spent on
216 70333807 commercials.
Through our
digital plate
form (Watsup
Broadcast) in
one go we
can convey
250 people
regarding our
MIBL
Products,
benefits, EBM
/ Tracpro
services
& we
will be in
touch with
our esteemed
customers
throughout
the year
& it
leads to
retention of
217 70333841 customers.
A greetings
call is
mandatory
for MLS
& MAS
customers for
new cases.
Most of the
customers
are unaware
about such
product and
there
benefits. A
Greetings call
will help us to
address
&
educate our
customers
with product
benefits
which will
very much
helpful for us
in terms of
renewal
conversation.
Also it is not
so possible to
get in touch
with every
customer by
calling or
massaging
them every
time. Instead
of calling
them again
& again,
we should
start sending
them mailer
communicati
on regarding
product
details,
renewal
reminder etc.
218 70334004
for 1 year and
with limited
customers. All
metrics will
be mapped
and a dip
stick survey
will follow
just before
the Renewal.
In all this, we
will take
adequate
care that the
customer is
not
bombarded
with calls
from our end.
Just 3 times a
year and
followed up
with a survey
before
Renewal
date.
If successful,
learning will
be
documented
with
empirical
evidence. This
can also be
replicated
with our
customer
facing
executives
across MIBL
post this Pilot
with
adequate and
appropriate
modifications
of customer
servicing
standards of
that time.
219 70334390
Testing
purpose we
will collect
data from
filed and
some good
customer
Result of
Combo
product ==
Cross selling
will be Done
Income from
Motor/Health
/Term can be
generated
data base will
help to
generate
market
potential to
tapped
output
income
&
Customer
retention
reminder in
app for policy
due for
renewals
Handy app in
mobile
Customer will
one Stop
Solution
Further
Claims and
Communicati
on for refarel
can be add to
app
220 70334453
There were
provision of
Rs.1.49
Crores made
before Jan 20
towards
distribution
fees, but
MIBL have
not received
invoices from
MISP’s
against this
provision.
MIBL business
team has to
take a
decision
whether to
pay this fees
which is more
than 6
months old.
Assuming
that 40% is ok
for reversal
than reversed
can be 60
lakhs approx..
221 70334548
Currently we
are having a
Mega
Renewal day
for
retention
,MLS or MAS,
similarly we
can arrange
such a Mega
Renewal day
for sourcing
direct
business and
creating new
customers
,that can be
sourced
through
M&M
and Non
M&M
corporate
who are
associated or
are clients of
MIBL. We can
arrange Mega
Renewal Day
in such
M&M or
Non
M&M
corporate
plants once in
a month
which can be
called a MIBL
Insurance
222 70334603 Mela.
cost effective
also.
Secondly,
people can
use the
internet
hotspot as a
mode of
accessing
internet and
checking
mails. This
can be a
substitute for
office
internet
dongle which
we are using
in office and
at home. The
dongle
cannot be
effective at
many places
and can run
out of
network but
mobile
network can
be used
flawlessly.
This will save
our money to
purchase
additional
dongle for
internet
connectivity.
and the bill
can be paid in
bulk directly
by company
which will
save time of
employees
raising bills
approving
and
reimbursing
it.
223 70334972
Keep in touch
with the
customer
ever after
renewing the
224 70335164 policy
just like MAS
for MMFSL
loan
customers we
can offer
GROUP
Health
insurance
policy to all
M@ M
groups and
dealers team
for their
families.
currently they
may not be all
covered for
health
coverages
and we can
offer and
close the
same.
Approx.25000
employee
strength and
if per person
premium will
be 5000 than
25000* 5000
will be
12,50,00000
premium
every year
and income
boast also
along with to
cover their
health and
families too.
225 70335793
Try to make a
better
impression
about the
service given
by us to the
customer so
that they will
not
influenced by
external
market
226 70335838 bargaining
Unnecessary
nigh stay
need to be
avoided while
on business
visit for short
distance
• Virtual
online
Training and
meetings to
be conducted
wherever
possible for
review
meetings and
clients
• Need
to Share
Monthly
Income and
Expenses
Statement by
Each Vertical
so that we
can create
awareness
about the
Expenses and
can take the
necessary
step to
reduce the
Costs.
• Limit of
mobile
expenses
should be
reduced to Rs
750/-.
• We
need to
restrict the
Field
Expenses and
need to Link
with numbers
of Renewal
done on the
Field.
227 70336115
By
considering
lockdown
period,
Solapur and
Thane call
centre rental
Laptop and
desktop
count need to
be reduce as
measure
percentage of
employees
will work
from home.
even after
lock down
100%
employees
will not
resume to the
228 70336168 office.
Make aware
the customer
about the
documents
required for
settling the
claim in order
to avoid
unnecessary
customer
229 70336203 complaints
1. We can
share the link
for Motor
renewals to
customer
before 45 day
from the date
of renewals,
in that link all
the insurance
company
quotes in the
display it will
be chosen by
the customer
choice.
2. This is
usefully for us
we can able
to secure
customer
with MIBL, Be
cause
customer can
compare the
quote single
point.
3. Until renew
the policy
from
customer end
continually
send a SMS to
customer on
daily basis.
230 70336794
Strong
negotiation
on cost with
vendors and
Marketing
agencies to
reduce their
cost.
Low cost
vendors or
freelancers to
be
considered.
Needs to
negotiate
with
housekeeping
vendors
across PAN
India to
reduce their
staff salary till
normal work
231 70337134 resumes.
limit of
participants,
files can be
viewed to all
the
participants,
video and
audio clarity
is flawless
and also
messages can
be sent
through this.
There is no
need to
engage IT or
HR for
meetings.
This is best
industry
practice and
it is already
being used by
M & M
and its other
group
companies
even many
other
corporates
are using this.
Even during
rains when
we cant reach
to client due
to some or
the other
reasons, this
mode will be
helpful. we
can even
conduct
trainings
through this
platform. This
platform of
digital
meeting will
be future of
physical
232 70337473 meetings.
1.Now we are
offering MLS
& MAS
coverage only
for
Individuals. i
would like to
suggest we
can offer MLS
& MAS
for SME
business were
we can offer
this coverage
to the
proprietor.
2.Hope this
will increase
in terms of
business and
233 70338625 income.
Currently
there are 10
days
mandatory
leave
provided by
Company.
Idea is that if
we increase
these leave
from 10 days
to 15 days
than
provision
towards leave
encashment
will reduce by
5 days. The
same will
increase PBT
of the
Company and
employee will
enjoy work
life balance as
well.
Employees
must have
take these
additional 5
days leave
during lock
down period
without
affecting their
regular work.
234 70338966
frequency) It
will help in
reducing the
overall cost as
10% seating
place will be
free forever
and the cost
will also be
reduced
towards
electricity/ca
nteen
bills/landline
phone bills,
etc. It will
also allow the
employee to
work from
home without
any
interruption
and can
efficiently
follow up the
process of
work from
home. The
employees
can work for
longer hours
as the
traveling time
will be saved.
Only if the
employee has
to attend
certain
meeting
internal or
external then
they can visit
the office, in
this case the
opportunity
can be given
to other
employee.
This will also
add to work-
235 70339531 life balance.
compulsory
100%
insurance
business
through
MIBL.
3. funding for
insurance
want to be
activated
(Specifically
CV cases).
4. Digital
Module to be
used for
policy
issuance as
well as
advertisemen
t.
5. alternative
contact
number
should be
taken of
customer for
renewal.
6. 100% MAS
& MLS
taken in New
Business
(some
incentive
started to
MMFSL
Business
executive to
drive)
7. Appoint
special team
to take Follow
up of pending
to convert
customers in
sub
subsequent
month
(MOTOR,
MAS &
MLS)
236 70340759
part of min 10
OEM tie ups
so that our
renewal part
also will be
driven by
channel
partners/
manufactures
in coming
years
extensively.
9. Cost
reduction
measures:
Claim docs
should be
sent via
online to
process MLS
& MAS
claim so that
courier
expenses can
be reduced
considerably.
10. Cost
reduction
measures:
Monthly
review can be
conducted
using video
call platform.
11. Cost
reduction
measures:
Last year Half
year
PP/Annual PP
can be paid
only as per
level 3 (only
as showed in
the appraisal
letter)
considering
the prevailing
tough times.
7.
237 70341224
Points to be
cover as
follows:-
1. We have to
used digital
module
services to
retained our
customers.
2. MIBL has
given policy
copy on MIBL
policy paper.
3. Single
digital link
should be
created for
customers all
policies
( MOTOR,
MAS &
MLS)
4. Customers
alternate
contact
number
should be
taken for
future
prospects.
5. MIBL
advertisemen
t comes on
television as
well as FM
radio to
aware variety
of MIBL
products...
6. MIBL all
variety of
products
information
sent to
customers
mobile on
whats app
&
238 70343670 messages.
Planning all
channel
partner
meetings
&
trainings
through
Webinar
only . This can
help to
reduce our
239 70344391 cost .
CURRENTLY
MIBL IS
SELLING HIS
HEALTH
INSURANCE
POLICY 'MAS'
WITH THE
HELP OF
MMFSL
TEAM, AT THE
TIME OF
RENEWAL WE
ARE GETTING
FEEDBACKS
FROM
CUSTOMERS
THAT WE
AREN'T
AWARE
ABOUT THEIR
HEALTH
POLICY, TO
IMPROVE
RETENTION
AMONG
CUSTOMERS
WE SHOULD
ORGANIZE
HEALTH
CHECK UP
PROGRAMS
FOR MMFSL
CUSTOMERS
AS IT WILL
INCREASE
GOODWILL
OF MIBL AND
WILL HELP IN
RETAINING
MORE
CUSTOMERS,
IT WILL ALSO
HELP IN
INCREASING
WORD OF
MOUTH
240 70349232 MARKETING
and they are
arranging
policies from
local agents.
This
workshop
may be a
M&M
dealership or
a POSP.
Whatever the
type of
workshop, if
the MIS can
be arranged
with the
policy details
and expiry
dates then
that can be a
source of
renewal
business. The
MIBL Team
can utilize the
same MIS and
arrange
calling of the
MIS on T-45
days to
customer and
secure the
policies. It will
increase the
revenue from
the workshop
as well as
without
investing any
additional
manpower,
MIBL as well
as workshop
team can be
able to secure
more policy
renewals and
more
revenues.
241 70359382
we can
conduct
virtual
meetings for
follows
instead of
traveling at
the clients
place as in
this lock
down like
situation we
can do virtual
meetings or
video
conferencing
, only 1st time
we can have a
face to face
meetings but
later can be
followed by
virtual
meetings this
will instead
save our
traveling time
and also
reduce
242 70364917 traveling cost.
we can go for
soft copy
storage of
policy copy,
endorsement
s ,claim
documents ,
premium
cheque
copies which
we normally
keep xerox
and maintain
it in box files
this will helps
us to save
space and
also reduce
paper work
(xerox) ,OEC
243 70367678 cost, time.
Negotiating
with
insurance
companies
for higher
rewards ,we
can inform
the customer
about marine
specific
transit
insurance
policy so that
if they have
any
requirement
they can
contact us
and we can
provide them
with
insurance, we
can inform
and also
provide
awareness to
our existing
clients , also
M&M
group
employees,
others and
individual to
go for our
other
insurance
product
services such
as health
insurance , 4
wheeler
& 2
wheeler
insurance ,
property and
miscellaneous
, household
244 70369825 insurance etc.
we can share
knowledge,
market
updating on
mailers to our
customers,
we can
inform the
customers
about our
hassle free
claim service ,
defined SOP
with
insurance
company,
also end to
end service
right fro
underwriting
to claim
245 70371522 settlement
As on now we
offer MLS
& MAS
Only for
indivisual
cutsomers of
MMFSL.But
non indivisual
customer also
having near
by 10% share
of mmfsl
base.If we
able to cover
such
cutsomers
specially for
Proprietorshi
p as well as
OLA-UBER
taxi customer
who actually
need MLS
&MAS
because he is
sinle earning
person.In this
way we
nicresase our
customer
base and
additional
246 70377129 income also.
Right now we
offer 10%
Distribution
fees to our all
POSP.Even
POSP is low
or high
volume,POSP
will get same
Distribution
fees.My idea
is if we
designed
Distribution
fees slab
according to
volume then
its help to
increase
existing
business of
POSP.for ex-
we can offer
1 % additonal
for POSP
whose
business is
morev than 5
lac etc..its
definately
help to scale
up POSP
business with
247 70381233 scheme.
Right now we
fund motor
insurance
within limit of
MMFSL.If we
agree to fund
motor
insurance
additional to
loan amount
which MMFSL
decided then
its help us to
increse motor
business
drastocally.It
help us to
increse MIBL
penetration
in MMFSL all
business
vertical Like
CV,CE,New
Car loan,
Refinance,DM
248 70387692 T etc..
Q6
Will your idea help save cost

Yes 154 74.40%
No 27 13.04%
Not Sure 26 12.56%
Total 207
Mean 1.38
Standard Dev. 0.70
Variance 0.49
Not Applicable<br> option has been disabled from calculations and charts.
Q7
Is your idea different / better from the existing products/services in the organization
Strongly Agree 153 61.69%
Agree 71 28.63%
Neutral 16 6.45%
Not Sure 1 0.40%
Not Applicable 7 2.82%
Total 248
Mean 1.54
Standard Dev. 0.86
Variance 0.74
Q7-C7
Is your idea different / better from the existing products/services in the market
Agree 79 31.85%
Neutral 33 13.31%
Not Sure 5 2.02%
Total 248
Mean 1.79
Standard Dev. 1.00
Variance 0.99
Q7-C7-C8
Can your idea bring high returns in short time and help the organization to achieve its targets
Agree 85 34.27%
Neutral 22 8.87%
Not Sure 3 1.21%
Total 248
Mean 1.75
Standard Dev. 1.01
Variance 1.02
Q7-C7-C-C9
The idea could help improve our Customer Service or Customer Retention (Internal or External)
Agree 80 32.26%
Neutral 17 6.85%
Not Sure 1 0.40%
Total 248
Mean 1.71
Standard Dev. 1.05
Variance 1.10
Q7-C7--C10
The idea could give MIBL a competitive edge
Agree 75 30.24%
Neutral 10 4.03%
Not Sure 1 0.40%
Total 248
Mean 1.49
Standard Dev. 0.80
Variance 0.65
Q12
Applicability of your idea

Within your state 8 3.23%
Within your department/ function 12 4.84%
Across the organization 226 91.13%
Total 248
Mean 2.90
Standard Dev. 0.42
Variance 0.18
Q13
Whose Support is required for your idea? (Name the Function/ Specified People)
No. Response IData

Whose Support is required for your idea? (Name the Function/ Specified People)
Business
support
1 70144675 Hr
MIBL claims
team to
provide the
claim data
call center to
follow up on
the claim
2 70145677 data.
MIBL CLAIM
TEAM for
creating the
PPN network
MIBL Central
Team for
creating the
term with the
PPN network
already We
have
Mahindra
First choice so
we can
implement
3 70145867 easily.
MMFSL team
need to
support for
the EMI
option
MMFSL team
need to make
the changes
in the
contract
booklet
MMFSL sales
and collection
team need
informed
about the
4 70146021 option.
MMFSL SMC
& MIBL
5 70146535 SMC.
Admin team
need to
negotiate
with landlord
for the
discount in
rent
HR team
need to
frame the
policy for the
mobile limit.
Admin team
to discuss
with IT team
for common
plan for
mobile and
surrender
plan for the
data card.
HR team to
frame the
plan for the
expense to as
common
based on the
band and
6 70146586 work profile.
IT function
and also the
MIS team in
helping us
with data
crunching to
arrive at right
numbers on
which we can
negotiate
with Insurers
7 70146919 for rewards.
M&M
Group
company
Admin
support, MIBL
strategic
team support
&
Marketing
8 70147325 team.
Top
management
/ HR&
9 70147367 Admin
We have
required
support from
I & S
team in my
10 70147454 idea.
HR,
ADMINISTRAT
ION AND IT
11 70147487 Dept.
IT team/
Insurer
empanelment
12 70147950 team
HO Admin
IT
Department,S
trategic
HR,
ADMINISTRAT
ION AND IT
15 70148263 Dept.
HO Team
&
MMFSL
16 70148271 Senior Team
Regional
Manager-
17 70148343 MIBL
IT team, VAS
18 70148427 team at HO
Product
Training for
the
employees to
sell Life and
Non-Life
Products
( HR)
Marketing
and
awareness
campaigns
with support
of CC and
marketing
team
( Marketing)
Preparedness
of Sajhedaari
Portal ,
products
availability for
issuing
policies ( IT)
19 70148527
1.
information
technology
(IT team)
2. HO
retention
team
20 70148543
1.
information
technology
(IT TEAM)
2. HO
retention
21 70148691
•
Guidance of
Sales Team to
provide
information
on products
for which
Leads can be
generated
•
Participation
of Sales and
Placement
Team to close
the Leads
• I.T. to
provide
module for
Leads cycle –
Leads
capture,
Leads
assignment,
Leads status
•
Marketing
Team to
provide
mailer
communicati
on with
customers
•
Accounts
team for
processing
incentives to
Non-Sales
participants
22 70148700
IT Team
& MIBL
23 70148752 Retail team..
HO Senior
24 70148761 Team
Support
required from
Marketing
& IT
25 70148769 Team
Will require
support of IT
developers to
create the
application as
per our
requirements
26 70148816 .
Historical
data of costs
from
Accounts
Assistance of
HR to study
and modify
current and
future
incentive
policies to
reduce costs
27 70148887
HO &
Insurance
28 70148891 Company
Regional
Manager -
29 70148983 MIBL
30 70149017 Head office
Approved
Empowered
Working
Group (EWG)
status so as to
provide time
to this activity
Cost data
from
Accounts –
employee-
wise/ cost
head-wise
Field Study
with support
of RMs, ABH,
AM, BDE to
understand
the current
expenses
incurred
(Retail &
CS field team)
31 70149037
Retention
Department,
IT
33 70149221 HR GROUP
STRONGLY
WITH
POSITIVE
WAY MYSELF
AND OUR
ORGANIZATIO
34 70149254 N.
IT team,
Marketing
35 70149447 team.
Support of IT
developer
team will be
required to
develop the
app as per
our
36 70149723 requirement.
DEBASHISH
37 70149816 ROY
DHURI
38 70150627 SANJAY
Marketing
39 70150923 Team
Admin , HR
and finance
people to
understand
the cost
effectiveness
and execution
40 70151250 of the policy.
1. MMFSL
team
2. MIBL HO
41 70151411
POSP &
RETENTION
42 70152073 team
MIBL SMC
MEMBER
MMFSL
43 70152110 POSP TEAM
Motor Claims
Team, IT
team, Sales
44 70152234 Team
HR and Head
45 70152299 of Depts.
Dealer service
team for
collecting the
Data.
Mahindra
team for
making the
changes in
the DMS.
OPTIONAL
Insurer team
for
supporting
the follow up
and punching
of policy
MIBL Team
will have a
Regular
Monitoring
on
performance
of MISP
service team
and support
them
wherever
46 70152502 they need.
Ho and
47 70152583 Regional head
MIBL HO FOR
PRODUCT
48 70152631 DESIGN
Admin and
HR dept be
actively
involved in
executing the
49 70152647 same.
50 70153475 HR Dept
Claims
Department -
Mr. Sanjay
51 70153514 Moholkar
Every
department
need to
participate to
implement
52 70153568 this idea
M&M
53 70153569 MIBL
54 70154334 HO
CCC SUPPORT
AND
RETENTION
55 70155290 TEAM
IT Team/Pay
56 70155340 Bima Team
Business head
57 70155569 retail.
IT and
Marketing
58 70156253 Team
Respective
Sales teams
59 70157054 of all regions
Infrastructure
60 70158236 Team
MMFSL CV
61 70158562 Team
IT team
support. CC
Team and
People
development
62 70158812 team.
Support
required from
HO-Process
team
63 70159098
Marketing
64 70159604 Team
Retail team
65 70160227 and IT team
Management
Team &
Technology
66 70160306 Team
- Client
company
senior
management
for providing
the data
- Sales
team (for
pitching the
product)
-
Marketing
team (for
creating
brochures
and other
product
related
communicati
ons)
- MIBL IT
team (for
portal
development)
67 70161606
Procurement
of Bluetooth
Printers for
MIBL field
team (BDE/Sr
68 70161900 BDE)
we require
Support from
Operational
&
69 70162407 Process team
70 70163437 IT Team
71 70164003 EB VAS Team

Central EB
Operations
72 70164315 Team
Technical
73 70164533 Team at HO
74 70164784 IT Team
Technical
75 70164978 Team at HO
IT Team at
76 70165200 HO
Central IT
77 70165428 Team
Central IT
78 70165726 Team
79 70165988 Head Office
Central IT and
Technical
80 70166216 teams
ALL SMC
members
approval
would be
81 70167707 required.
ALL SMC
82 70168384 members
All SMC
members
approval
would be
required
specifically.
Details
calculation
with benefits
can be
provided
incase the
idea is
shortlisted
83 70169915 further.
IT
department
and the
senior
84 70192787 management
DH will take
necessary
step to
implement
the same
through
85 70193995 online.
Approval of
respected
SMC team
86 70201153 members
my
seniors,collea
87 70291503 gue
Mr.
Shailendra
88 70294933 patel
MY
COLLEAGUE
& MY
89 70297753 SENIOR
- MMFSL
Operations
and Accounts
Team (for
Necessary
Approvals)
- MMFSL
IT Team (for
System
Changes in
MMFSL
Systems)
- MIBL IT
Team (for
System
Changes in
MIBL
90 70301692 Systems)
- MMFSL
IT Team
- MIBL IT
91 70303211 Team
Some
Changes in
Exba portal,
exps. should
be routed
through
Reporting
93 70303937 Manager.
94 70304040 Management
company
& state
95 70304463 head
COMPANY
& STATE
96 70305315 HEAD
IT Team,
Vishal Wagh,
Nilesh Ambe,
Vishwesh
98 70305524 Deshpande
Company
& state
99 70305997 head
Approvals
from
Support
required:
-
Marketing
team (for
creating
brochures
and other
product
related
communicati
ons)
- MRHFL
IT team (for
portal
development)
102 70306986
Support
required:
- MMFSL
and MIBL
senior
management
for providing
approvals for
implementing
rider in the
product
- MMFSL
and MIBL IT
team (for
implementing
the changes
in rates in the
system)
103 70307342
Head of
104 70307735 commercial
SUPPORT
FUNCTION
REQUIRED
FROM HEAD
OFFICE TO
ADD THE
NON MOTOR
PRODUCTS IN
SAJHEDAARI
TO
INCREASES
THE INCOME
& ALSO
DEMANDED
105 70307849 BY OUR POSP
- Sales
team (for
pitching the
product)
-
Marketing
team (for
creating
brochures
and other
product
related
communicati
ons)
- MIBL IT
team (for
portal
development)
106 70308249
I required
support from
our
107 70308354 Management.
1. IT team
–
Ranganathan
&
Viswanath
2.
Business
heads : Vikas
Mediratta ,
Shainy Shetty,
Debashish
Roy &
Vijay
Mehrotra
108 70309227
Senior
Management,
109 70309532 Finance, HR

successfully.
I also need
the help of
our marketing
alliance team
in order to
advertise the
plan in such a
manner so
that it will
attract more
and more
customers.
I also need
the help of
our policy
making team
so that it will
frame the
policy
keeping in
mind the
different
guidelines
and rules
applicable for
the policy
covered.
Besides this I
also welcome
each and
every
member of
the company
to add more
things to this
idea so that it
can be
implemented
successfully.
I am sure this
idea will
surely
increase the
revenue of
our company.
111 70309707
Mr. Amitabh
Dewan
Mr. Rajesh
112 70310178 Sharma
I required
support from
our
Support of
HOD's are
required to
introduce the
IRM
(Insurance
Relationship
Manager) to
114 70310711 insurers.
Team Support
115 70310873 - Local Level
I required
support from
our retail
116 70311081 team.
Function :-
Technical
Marketing,
118 70311245 HR and IT
The support
of the
following
team will be
required:-
1. The retail
team channel
2. The
support of
SMC for
getting
desired terms
3. A managing
committee
4. Strong
drive with
prescribed
119 70311548 targets
Mr. Amitabh
Dewan
Mr. Rajesh
120 70312139 Sharma
Support from
All vertical
heads to
understand
121 70312403 the products.
Mr. Amitabh
Dewan
Mr. Rajesh
122 70312527 Sharma
123 70313702 IT
POSP HO
124 70313746 team
Product wise
SPOCS will be
required for
the execution
the idea and
support from
Marketing
and
Compliance
125 70313960 team
Support
required by IT
team to help
the SPOC in
collation of
Data and
126 70314024 storage
IT and
respective
Business
127 70314427 Heads
MMFSL team,
call center
team and
MIBL
Marketing HO
128 70314438 team
129 70314629 all employees
MMFSL team
and MIBL
New and
Retention HO
team Support
130 70314944 required.
Support from
Insures are
required to
get the
131 70314988 broker login
Accounts
Team in
helping check
the bills ,
Admin Team
in entering
into
agreements
with the
service
132 70315417 providers
MLS and MAS
Team as well
customer
retention
133 70315475 team
PoSP Team,
Regional
134 70315801 Retail Team
Marketing
135 70315884 team
Admin Team
136 70316218 and CS Team
Support for
Higher
management
is required to
get this
mandate
137 70316636 letter.
Human
Resources,
SMC
members,
Research and
138 70316833 Development
To be decided
at
organisational
139 70316866 level .
Product
Team, IT
Team,
Marketing
Team &
140 70316867 Insurers
IT Team to
send the IVR,
Marketing
Team and
Respective
functional
Heads to
have the IVR
created in
regional
language
Preparation
of the call
script if
customers
show
141 70317149 interest.
Reinsurance
Team,
Marketing
Team, SMC
&
Insurance
142 70317327 Companies
IT Dept, Retail
and
143 70317632 Corporate, HR
Reinsurance
Team and
144 70317637 SMC
Admin to
decide who
will come
when and
what seats
they will
occupy on the
145 70317806 Ground floor
MIBL Senoir
Management,
Mahindra
Group HR and
senior
146 70318093 management.
HO SUPPORT
IS REQUIRED
FOR
IMPLEMENTA
TION OF THE
IDEA TO
DESIGN THE
CONTEST
CRITERIA
ACCORDINGL
147 70318256 Y.
Support from
vertical heads
to identify the
148 70319052 SPOC
Senior
Management
/ Business
149 70319169 Excellence
150 70319763 IT team
151 70320339 OMC
Sr
management
152 70320462 support
UPPER
MANAGEMEN
T AND
STRATEGY
153 70322146 DEPARTMENT
IT support,
Business
154 70323331 Head
RETENTION
155 70323450 HO TEAM
Business
156 70323804 Heads
Business
Head and IT
157 70323877 Team
HR,
Operations
team and
Accounts and
158 70324191 Finance
HO SUPPORT
ESPECIALLY
159 70324219 CCC.
Product wise
SPOCS will be
required for
the execution
the idea and
support from
Marketing
and
Compliance
160 70324338 team
IT and
respective
Business
Operations
161 70324552 team
SAJHEDHARI
POSP TEAM
162 70324775 HO
HR to design
such a
163 70325094 scheme
HO SUPPORT
IS REQUIRED
TO FINALIZE
THE
PRODUCT
PLAN THAT
COULD SUIT
THE
REQUIREMEN
T OF EVERY
164 70325379 EMPLOYEE
IT support /
Marketing
165 70325426 team support
Approval for
extending
Sajhedaari
portal to
MIBL
employees
for issuance
of direct
motor
business,
MMFSL
refinance
policies.
Regular
online
training
program for
166 70325480 this initiative
Each and
every
Employee.
Product Head
to provide
training to
our
employees on
various
products so
employee can
generate
leads by using
basic
knowledge of
insurance.
HR Team to
decide
training
calender and
trained
employees in
a regular
167 70325581 interval
IT, HR,
ADMIN, HO
operations,
POSP,
PAYBHIMA,
CLAIM, VAS,
168 70325595 BHs and ZHs
All
department
in our
organization
will have to
support/coor
dinate with
the SPOC.
Department
head will
have to make
sure that all
query is
resolve of the
169 70326143 SPOC.
MARKETING, I
& S
Dept.
170 70326164 Corporate
operations
Team,
Management
approval for
implementing
this product
& IT
171 70326221 Team
172 70326275 HO TEAM
NON-LIFE
RETAIL
Senior
Management
of Mahindra
and Mahindra
Group, SSU
Unit and
Senior
management
174 70326649 of MIBL Team
Important-
we have
video &
digitalization
pamphlet as
supporting
documents to
evaluate for
OMC which
are sending
on mail to
group of
175 70327174 OMC.
176 70327300 HO TEAM
POSP TEAM
AND EBM
177 70327630 TEAM
Retail Head,
ZMs, HO
178 70327863 Team
Seniors team
of CCC &
179 70327884 RM
H.O Team/ IT
180 70328108 Team
Senior
Management
181 70328248 of MIBL
182 70328275 IT team
HO SUPPORT
183 70328662 IS REQUIRED
Business
184 70328664 Head
Insurance
Partners
&
Business
Teams,
Marketing
Department,
IT
185 70328785 department
IT Team, all
the
departments
for different
kind of
document
formats
&
management
186 70328823 approval.
1) BACK
OFFICE TEAM
2) CLAIM
187 70329312 TEAM
HO SUPPORT
188 70329632 IS REQUIRED
DH, ZM
189 70329662 & RM
NON-LIFE
RETAIL
Need review
by OMC
& SMC
for
implimentatio
191 70330075 n
I & S
team &
Management
192 70330720 people
Operations
team,
management
193 70330824 & IT
Need
consideration
&
approval from
Retention
195 70331044 Team
Group
I&S
Team
MIBL Feild
staff
HO Operation
196 70331066 team
MMFSL
197 70331470 Team.
With the help

of operations
team need to
create entire
flow with call
centre &
Mobile APP
198 70331581 team
Avalability of
Paybima.com
199 70331652 asap
Seniors
&
Management
200 70331690 People
MMFSL and
201 70331811 MIBL teams
Operation
Team
202 70331843 Field Team
TEAM WE ALL
WORK
TOGETHER A
203 70331998 SAME GOAL
204 70332206 IT
Need
approval on
205 70332242 this idea
MMFSL and
MIBL
MMFSL
Branch
ACCOUNTS
&
collection
207 70332395 Team
NON-Life
208 70332438 Departmaent
Seniors
&
Management
209 70332579 People
HO Digital
Team support
required for
this activity
also give
training to
local team of
210 70332610 MIBL...
Business
211 70332989 Head
MIBL Claim
212 70333130 team
213 70333212 Mibl team
MMFSL
Collection
&
Business
team
Sales person
214 70333544 of the dealers
MMFSL and
215 70333630 MIBL teams
Marketing
216 70333807 team
217 70333841 MIBL team
Seniors
&
Management
218 70334004 People
Call Centre
Heads will be
required to
effect this
change
Any 3
customer
Relationships
and their
managers
219 70334390
IT , DOMAIN ,
ACCOUNTS
Support is
220 70334453 required
MIBL HO
Operation
Team
MIBL
Accounts
221 70334548 Team
MIBL team ,
corporates
M&M
and Non
222 70334603 M&M
Admin and
223 70334972 accounts
Good
customers
224 70335164 data
M@M
Seniors group
and Dealers
225 70335793 team
CCC team
226 70335838 support
MIBL
IT &
I&S
228 70336168 teams
Support from
229 70336203 claims team.
Management
- IT Team -
Data
Management
system -
Customer
230 70336794 Care.
I&S and
Marketing
231 70337134 Team
232 70337473 IT
Business
233 70338625 Head Retail.
MIBL HR
& Payroll
234 70338966 Teams
HR and
HO Product
Head -
MMFSL
& MIBL
M&M
Business
Support
Team.
MMFSL A/C
Head &
HO Team
MIBL digital
236 70340759 support Team
HODs support
237 70341224 is required.
HO digital
238 70343670 support team.
239 70344391 IT team
SENIOR
MANAGEMEN
240 70349232 T
retention
team, back
office for data
241 70359382 validation
242 70364917 IT
243 70367678 IT
244 70369825 HOD
245 70371522 IT
Head Office
team to
restricture ni
system to
cover MLS
-MAS for such
246 70377129 customers.
Senior
managment
to work on
idea
247 70381233 suggested
Need to take
approval from
MMFSL for
additional
funding for
insurance
248 70387692 through MIBL
Q14
What will be the success metrics for your idea?

Increase in Productivity 117 22.16%
Cost Saving or Efficiency 106 20.08%
Improvement in Customer Service / Retention 138 26.14%
Income Generation 148 28.03%
Other 19 3.60%
Total 528
Mean 2.71
Standard Dev. 1.20
Variance 1.43
Other Option [Other]

Response ID Data
70326164 •Increase in Brand Value through Positive Marketing
70325595 Wider reach of customer base, stong accessibility
70322146 LOTS OF PEOPLE WILL JOIN US
70318093 Digitisation
70317637 Market visibility
70309227 Partners participation & rating of our services
70201153 Brand Value Addition
70169915 Work life balance with quality
70153568 Industry best practices implementation
70153475 Increase in Conversion of Leads to Sales
70152234 It will set new trend to link pay-outs with loss ratio
70149447 Brand Equity
70148887 Marginal Profit
70148816 Advanced market practise
70148752 Increase in Contactability & self branding
70148263 Reduction in employee attrition, Increase in Employee Loyalty
70147487 Reduction in employee attrition rate, Increase in Employee loyalty
70147325 Self Branding within network groups
70146535 Ensuring safety of Asset

Final SurveyReport-7445707-06-21-2020-T222216

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Final SurveyReport-7445707-06-21-2020-T222216

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Response ID IP Address Timestamp (mm/dd/yyDuplicate Time Taken to Seq.

Number External Refer Custom VariabCustom Variab

70144675 1.38.140.22 06/19/2020 10:52 0 246 1

70145677 122.164.233.7 06/19/2020 11:26 0 737 1

70147950 122.178.209.249 06/19/2020 12:40 0 1134 1

70148891 157.32.140.116 06/19/2020 13:12 0 231 1

70149017 157.32.140.116 06/19/2020 13:17 0 189 1

70149221 223.187.144.18 06/19/2020 13:25 0 604 1

70149816 223.187.144.18 06/19/2020 13:44 0 1081 1

70150923 157.36.120.193 06/19/2020 14:16 0 3492 1

70153569 223.230.174.227 06/19/2020 15:26 0 206 1

70157054 27.6.164.187 06/19/2020 16:40 0 741 1

70164003 27.6.164.187 06/19/2020 18:13 0 159 1

70164533 27.6.164.187 06/19/2020 18:20 0 182 1

70164978 27.6.164.187 06/19/2020 18:26 0 145 1

70165428 27.6.164.187 06/19/2020 18:31 0 150 1

70165726 27.6.164.187 06/19/2020 18:35 0 187 1

70165988 27.6.164.187 06/19/2020 18:38 0 156 1

70166216 27.6.164.187 06/19/2020 18:40 0 119 1

70291503 27.56.233.68 06/20/2020 10:16 0 696 1

70297753 106.207.214.66 06/20/2020 10:38 0 930 1

70303456 106.209.209.144 06/20/2020 11:09 0 0 1

70304040 106.209.209.144 06/20/2020 11:16 0 337 1

70304463 171.79.85.129 06/20/2020 11:20 0 2 1

70305320 106.209.209.144 06/20/2020 11:27 0 638 1

70306007 106.209.209.144 06/20/2020 11:32 0 327 1

70307735 42.111.6.151 06/20/2020 11:53 0 1 1

70308249 49.33.138.155 06/20/2020 11:57 0 179 1

70313702 1.38.222.211 06/20/2020 13:00 0 234 1

70316636 103.195.80.138 06/20/2020 13:23 0 331 1

70316867 106.198.135.79 06/20/2020 13:25 0 350 1

70317327 106.198.197.7 06/20/2020 13:29 0 231 1

70317637 106.198.135.79 06/20/2020 13:33 0 221 1

70324552 49.32.19.99 06/20/2020 14:27 0 128 1

70325094 49.32.19.99 06/20/2020 14:31 0 178 1

70331652 106.205.141.219 06/20/2020 15:24 0 78 1

70332374 106.210.158.48 06/20/2020 15:30 0 231 1

70333630 106.210.158.48 06/20/2020 15:41 0 222 1

70335164 42.107.194.82 06/20/2020 15:52 0 254 1

70335838 42.107.194.82 06/20/2020 15:58 0 321 1

70336203 42.107.194.82 06/20/2020 16:01 0 188 1

70344391 106.200.46.32 06/20/2020 17:11 0 1000 1

70367678 103.106.138.112 06/20/2020 19:05 0 679 1

IN 16 Thinkers Abc 1234

IN 02 CS-Hyd DS Acharyulu 23176418

IN 02 CS-Hyd DS Acharyulu 23176418

IN 02 CS-Hyd DS Acharyulu 23176418

IN 02 CS-Hyd DS Acharyulu 23176418

IN 02 CS-Hyd DS Acharyulu 23176418

IN 02 CS-Hyd DS Acharyulu 23176418

IN 02 CS-Hyd DS Acharyulu 23176418

IN 02 CS-Hyd DS Acharyulu 23176418

let's creat pawan

let's creat PAWAN

Silent Game Sanjiv

IN 07 Rubicon Jasmine Kaur 23135246

IN 07 Rubicon Jasmine Kaur 23135246

IN 07 Rubicon Jasmine Kaur 23135246

Silent Game Sanjiv

Silent Game Sanjiv

IN 23 Team India Ramneek Jain 24009166

IN 13 Team 2 Prajeesh P 24009028

VRAJESH MAHESH JIGNESH UMANG PRADIP

VRAJESH MAHESH JIGNESH UMANG PRADIP