Customer Grievance Redressal

It has been the endeavour of the Company to provide quality and timely service and
resolution of complaints to its customers.
The Company has established a robust complaint handling and servicing system to
address the grievances/complaints of the
Policy holders. To strengthen it further and in line with the IRDA requirements, the
Company implemented its Integrated Grievance
Management System (IGMS), an online grievance management mechanism linked with
IRDA portal, where a policyholder/customer can lodge his/her complaint and monitor it
for a speedy resolution.
The Company is committed and focused on addressing the customer grievances in a
speedy manner. All the misselling complaintsare investigated internally by the Company
by a committee independent of sales and the customers are provided just recourse in
an expeditious manner. The grievances/complaints from policyholders, regulatory
authorities/general public are resolved fairly and promptly by the Company. In order to
strengthen the process, the Customer Service Committee comprising of senior
executives of the Company reviews the grievance redressal mechanism from time to
time.

(c) Interest Income Fixed Deposit

(d) Accrued Interest Fixed Deposit

(e) Purchases Central Government Securities/State Government securities, with counterparty as IDBI bank
(` 000)

(f) CBLO settlement charges paid to IDBI Bank for designated bank

(II) Company wise details of investment held in the promoter group
(a) Details of investment held in the promoter group Fixed Deposits

4. Industry wise disclosure of investments (with exposure of 10% and above) For the year ended
March 31, 2013
Equity Growth Fund Individual Life (SFIN:ULIF04111/01/08EQOPP135)


Mid Cap Fund Individual Life (SFIN:ULIF06824/11/09MIDCAP135)



Pure Fund Individual Life (SFIN:ULIF07205/08/10PURE135)



Income Fund Individual Life (SFIN:ULIF04211/01/08INCOME135)





Guaranteed Return Fund 13380714 Individual Life (SFIN:ULIF06011/01/08GRF4135)

Guaranteed Return Fund 20001219 Individual Life (SFIN:ULIF06211/01/08GRF5135)


Capital Guaranteed Fund 08080813 Individual Life (SFIN:ULIF04711/01/08CGF135)

Capital Guaranteed Fund 11081113 Individual Life (SFIN:ULIF05211/01/08C02135)

Capital Guaranteed Fund 03090214 Individual Life (SFIN:ULIF05311/01/08C03135)


Capital Guaranteed Fund 07090614 Individual Life (SFIN:ULIF06111/01/08C04135)