ReliableLife Insurance - Analytics Dashboard

Executive Dashboard - FY 2081/82

Total Premium Collection

रू 128.6 Cr

+18.4% vs FY 80/81

FY 79/80

रू 92.4 Cr

FY 80/81

रू 108.6 Cr

FY 81/82

रू 128.6 Cr

78% of target (रू 165 Cr)

Active Policies

245,820

+12.5% growth

FY 79/80

178,420

FY 80/81

218,560

FY 81/82

245,820

Total Agents

4,895

+847 new agents

Active

2,847

Passive

1,156

Inactive

892

Claim Settlement Ratio

94.8%

+2.1% vs LY

FY 79/80

91.2%

FY 80/81

92.7%

FY 81/82

94.8%

Province Performance Heatmap - Premium (NPR Crore) with Growth %

Bagmati

रू 45.8 Cr

35.6% share | +18.5%
79/80: रू 32.4 Cr | 80/81: रू 38.6 Cr

Lumbini

रू 28.4 Cr

22.1% share | +15.2%
79/80: रू 20.8 Cr | 80/81: रू 24.6 Cr

Koshi

रू 18.6 Cr

14.5% share | +12.8%
79/80: रू 14.2 Cr | 80/81: रू 16.5 Cr

Madhesh

रू 12.8 Cr

10.0% share | +14.3%
79/80: रू 9.4 Cr | 80/81: रू 11.2 Cr

Gandaki

रू 10.2 Cr

7.9% share | +11.5%
79/80: रू 7.8 Cr | 80/81: रू 9.2 Cr

Sudurpaschim

रू 7.4 Cr

5.8% share | +9.8%
79/80: रू 5.6 Cr | 80/81: रू 6.7 Cr

Karnali

रू 5.4 Cr

4.2% share | +7.2%
79/80: रू 4.2 Cr | 80/81: रू 5.0 Cr

Low (< रू 6 Cr)

Medium (रू 10-15 Cr)

High (> रू 25 Cr)

3-Year Premium Trend (Monthly)

Payment Mode Distribution FY 81/82

Premium Collection Analysis - 3 Year Comparison

Total Premium FY 81/82

रू 128.6 Cr

+18.4% vs LY

Renewal Premium

रू 86.4 Cr

FY 79/80

रू 62.8 Cr

FY 80/81

रू 74.2 Cr

New Business Premium

रू 42.2 Cr

FY 79/80

रू 29.6 Cr

FY 80/81

रू 34.4 Cr

Renewal Collection Rate

82.4%

-1.2% vs LY (83.6%)

Province-wise Premium Collection Heatmap (NPR Crore)

Bagmati

रू 45.8 Cr

FY 79/80: रू 32.4 Cr
FY 80/81: रू 38.6 Cr
FY 81/82: रू 45.8 Cr
Growth: +41.4%

Lumbini

रू 28.4 Cr

FY 79/80: रू 20.8 Cr
FY 80/81: रू 24.6 Cr
FY 81/82: रू 28.4 Cr
Growth: +36.5%

Koshi

रू 18.6 Cr

FY 79/80: रू 14.2 Cr
FY 80/81: रू 16.5 Cr
FY 81/82: रू 18.6 Cr
Growth: +31.0%

Madhesh

रू 12.8 Cr

FY 79/80: रू 9.4 Cr
FY 80/81: रू 11.2 Cr
FY 81/82: रू 12.8 Cr
Growth: +36.2%

Gandaki

रू 10.2 Cr

FY 79/80: रू 7.8 Cr
FY 80/81: रू 9.2 Cr
FY 81/82: रू 10.2 Cr
Growth: +30.8%

Sudurpaschim

रू 7.4 Cr

FY 79/80: रू 5.6 Cr
FY 80/81: रू 6.7 Cr
FY 81/82: रू 7.4 Cr
Growth: +32.1%

Karnali

रू 5.4 Cr

FY 79/80: रू 4.2 Cr
FY 80/81: रू 5.0 Cr
FY 81/82: रू 5.4 Cr
Growth: +28.6%

Premium by Province - 3 Year Comparison

Monthly Premium Collection - FY 81/82 vs FY 80/81

Payment Mode Distribution

Plan Type Premium Breakdown

Sales & Agency Management

Total Agents

4,895

FY 79/80

3,642

FY 80/81

4,048

FY 81/82

4,895

Active Agents

2,847

58.2% of total

Passive Agents

1,156

23.6% of total

Inactive Agents

892

18.2% of total

Agent Distribution by Province

Bagmati

1,847

Active: 1,156
Passive: 425
Inactive: 266
58.2% Active

Lumbini

1,124

Active: 682
Passive: 268
Inactive: 174
60.7% Active

Koshi

758

Active: 445
Passive: 182
Inactive: 131
58.7% Active

Madhesh

524

Active: 298
Passive: 128
Inactive: 98
56.9% Active

Gandaki

342

Active: 198
Passive: 82
Inactive: 62
57.9% Active

Sudurpaschim

186

Active: 98
Passive: 48
Inactive: 40
52.7% Active

Karnali

114

Active: 68
Passive: 23
Inactive: 23
59.6% Active

Agent Performance Analysis - FY 2081/82

Base Year

Comparison Year

Top Performer Premium

रू 128.5 L

+24.3% vs LY

Avg Premium/Agent

रू 4.5 L

+12.5%

Active Rate

58.2%

+3.8%

New Agents Added

847

+21.3%

Top 20 Performing Agents - FY 2081/82

Rank	Agent Name	Province	Agency	Premium (रू Lakh)	Policies	Avg/Policy	Growth
🥇 1	Ram Bahadur Thapa	Bagmati	Kathmandu Central	128.5	245	रू 52,449	+24.3%
🥈 2	Sita Sharma	Lumbini	Bhairahawa Agency	98.2	198	रू 49,596	+18.7%
🥉 3	Bishnu Prasad Poudel	Gandaki	Pokhara Branch	87.4	176	रू 49,659	+15.2%
4	Krishna Gurung	Koshi	Biratnagar Office	76.8	154	रू 49,870	+12.8%
5	Gopal Rai	Madhesh	Janakpur Agency	68.5	142	रू 48,239	+11.4%
6	Manisha Maharjan	Bagmati	Lalitpur Hub	62.3	128	रू 48,672	+10.2%
7	Deepak Shrestha	Bagmati	Bhaktapur Agency	58.7	118	रू 49,746	+9.8%
8	Sunita Karki	Lumbini	Butwal Office	54.2	106	रू 51,132	+8.5%
9	Rajesh Hamal	Koshi	Dharan Branch	48.9	98	रू 49,898	+7.3%
10	Anita Magar	Gandaki	Pokhara East	45.6	92	रू 49,565	+6.8%

Agent Productivity by Province

Agent Count Trend (3 Years)

Renewal Collection & Lapse Analysis

Select Fiscal Year

Total Renewal Collection

रू 73.6 Cr

+12.5% vs LY

FY 79/80

रू 55.3 Cr

FY 80/81

रू 65.4 Cr

Overall Renewal Rate

89.8%

+2.1% vs LY

FY 79/80

86.7%

FY 80/81

88.2%

Pending Renewals

606

6.8% of total

Lapsed Renewals

354

4.0% lapse rate

Renewal Status by Province (Paid vs Pending vs Lapsed)

Renewal Rate Trend (3 Years)

Renewal Distribution by Province

Monthly Renewal Collection Pattern

Lapse Rate by Province (%)

Premium Lost Due to Lapse (3 Years)

Renewal Collection Year-wise Comparison by Province

Province	Fiscal Year	Total Renewals	Paid	Pending	Lapsed	Renewal Rate (%)	Collection Amount
Bagmati	FY 2079/80	2,450	2,156	198	96	88.0%	रू 18.5 Cr
	FY 2080/81	2,680	2,398	186	96	89.5%	रू 20.8 Cr
	FY 2081/82	2,920	2,642	178	100	90.5%	रू 23.2 Cr
Lumbini	FY 2079/80	1,680	1,478	132	70	88.0%	रू 12.4 Cr
	FY 2080/81	1,820	1,628	124	68	89.5%	रू 13.8 Cr
	FY 2081/82	1,980	1,792	118	70	90.5%	रू 15.2 Cr
Koshi	FY 2079/80	1,120	974	98	48	87.0%	रू 8.2 Cr
	FY 2080/81	1,240	1,092	96	52	88.1%	रू 9.4 Cr
	FY 2081/82	1,360	1,210	94	56	89.0%	रू 10.6 Cr
Madhesh	FY 2079/80	820	712	72	36	86.8%	रू 5.8 Cr
	FY 2080/81	920	812	68	40	88.3%	रू 6.6 Cr
	FY 2081/82	1,020	912	64	44	89.4%	रू 7.4 Cr
Gandaki	FY 2079/80	680	592	58	30	87.1%	रू 4.8 Cr
	FY 2080/81	740	652	54	34	88.1%	रू 5.4 Cr
	FY 2081/82	820	732	52	36	89.3%	रू 6.0 Cr
Sudurpaschim	FY 2079/80	480	412	44	24	85.8%	रू 3.4 Cr
	FY 2080/81	540	472	42	26	87.4%	रू 3.9 Cr
	FY 2081/82	590	522	40	28	88.5%	रू 4.3 Cr
Karnali	FY 2079/80	320	272	32	16	85.0%	रू 2.2 Cr
	FY 2080/81	360	312	30	18	86.7%	रू 2.6 Cr
	FY 2081/82	400	352	28	20	88.0%	रू 2.9 Cr

Policy Lapse Analysis by Province

Province	Lapsed Policies	Premium Lost	Lapse Rate (%)	Avg Policy Age	3-Year Trend	Risk Level
Bagmati	682	रू 4.8 Cr	8.2%	4.2 years	↑ +1.2%	Medium
Lumbini	456	रू 3.2 Cr	9.1%	3.8 years	↑ +1.5%	Medium
Koshi	298	रू 2.1 Cr	10.3%	3.5 years	↑ +2.1%	High
Madhesh	218	रू 1.5 Cr	11.2%	3.2 years	↑ +1.8%	High
Gandaki	168	रू 1.2 Cr	9.8%	3.9 years	↓ -0.3%	Medium
Sudurpaschim	124	रू 0.9 Cr	12.4%	2.8 years	↑ +2.4%	High
Karnali	98	रू 0.7 Cr	13.1%	2.5 years	↑ +2.8%	Critical

Risk Management Dashboard

Base Year

Comparison Year

Total Claims

1,247

FY 79/80

982

FY 80/81

1,124

FY 81/82

1,247

Surrender Policies

842

+11.1% vs LY

Lapsed Policies

2,156

9.2% lapse rate

Policy Loans Outstanding

रू 18.5 Cr

FY 79/80

रू 12.8 Cr

FY 80/81

रू 15.6 Cr

Risk Heatmap - Claims & Surrender by Province

Bagmati

412

Claims: 358 | Surrender: 298
Lapse: 682 | Ratio: 3.2%

Lumbini

248

Claims: 218 | Surrender: 178
Lapse: 456 | Ratio: 3.6%

Koshi

168

Claims: 145 | Surrender: 124
Lapse: 298 | Ratio: 4.1%

Madhesh

124

Claims: 98 | Surrender: 86
Lapse: 218 | Ratio: 4.8%

Gandaki

96

Claims: 82 | Surrender: 68
Lapse: 168 | Ratio: 4.3%

Sudurpaschim

68

Claims: 58 | Surrender: 42
Lapse: 124 | Ratio: 5.2%

Karnali

48

Claims: 42 | Surrender: 32
Lapse: 98 | Ratio: 5.8%

Claim Settlement Ratio by Province

Risk Metrics Trend (3 Years)

Policy Lapse Details by Province

Province	Lapsed Policies	Total Premium Lost	Lapse Rate (%)	3-Year Trend
Bagmati	682	रू 4.8 Cr	8.2%	↑ +1.2%
Lumbini	456	रू 3.2 Cr	9.1%	↑ +1.5%
Koshi	298	रू 2.1 Cr	10.3%	↑ +2.1%
Madhesh	218	रू 1.5 Cr	11.2%	↑ +1.8%
Gandaki	168	रू 1.2 Cr	9.8%	↓ -0.3%
Sudurpaschim	124	रू 0.9 Cr	12.4%	↑ +2.4%
Karnali	98	रू 0.7 Cr	13.1%	↑ +2.8%

Renewal Collection Year-wise Comparison by Province

Province	Fiscal Year	Total Renewals	Paid Renewals	Pending	Lapsed	Renewal Rate (%)	Total Amount
Bagmati	FY 2079/80	2,450	2,156	198	96	88.0%	रू 18.5 Cr
	FY 2080/81	2,680	2,398	186	96	89.5%	रू 20.8 Cr
	FY 2081/82	2,920	2,642	178	100	90.5%	रू 23.2 Cr
Lumbini	FY 2079/80	1,680	1,478	132	70	88.0%	रू 12.4 Cr
	FY 2080/81	1,820	1,628	124	68	89.5%	रू 13.8 Cr
	FY 2081/82	1,980	1,792	118	70	90.5%	रू 15.2 Cr
Koshi	FY 2079/80	1,120	974	98	48	87.0%	रू 8.2 Cr
	FY 2080/81	1,240	1,092	96	52	88.1%	रू 9.4 Cr
	FY 2081/82	1,360	1,210	94	56	89.0%	रू 10.6 Cr
Madhesh	FY 2079/80	820	712	72	36	86.8%	रू 5.8 Cr
	FY 2080/81	920	812	68	40	88.3%	रू 6.6 Cr
	FY 2081/82	1,020	912	64	44	89.4%	रू 7.4 Cr
Gandaki	FY 2079/80	680	592	58	30	87.1%	रू 4.8 Cr
	FY 2080/81	740	652	54	34	88.1%	रू 5.4 Cr
	FY 2081/82	820	732	52	36	89.3%	रू 6.0 Cr
Sudurpaschim	FY 2079/80	480	412	44	24	85.8%	रू 3.4 Cr
	FY 2080/81	540	472	42	26	87.4%	रू 3.9 Cr
	FY 2081/82	590	522	40	28	88.5%	रू 4.3 Cr
Karnali	FY 2079/80	320	272	32	16	85.0%	रू 2.2 Cr
	FY 2080/81	360	312	30	18	86.7%	रू 2.6 Cr
	FY 2081/82	400	352	28	20	88.0%	रू 2.9 Cr

Policy Loan Details by Province

Province	Active Policy Loans	Total Loan Amount	Avg Loan per Policy	Default Rate (%)
Bagmati	1,245	रू 6.8 Cr	रू 54,618	2.1%
Lumbini	856	रू 4.5 Cr	रू 52,570	2.4%
Koshi	624	रू 3.2 Cr	रू 51,282	2.8%
Madhesh	485	रू 2.4 Cr	रू 49,485	3.1%
Gandaki	368	रू 1.9 Cr	रू 51,630	2.6%
Sudurpaschim	245	रू 1.2 Cr	रू 48,980	3.4%
Karnali	168	रू 0.8 Cr	रू 47,619	3.8%

Claims & Surrender Analysis

Base Year

Comparison Year

Claim Settlement Ratio

94.8%

+2.1% vs LY

FY 79/80

91.2%

FY 80/81

92.7%

Surrender Ratio

3.8%

+0.4% vs LY

Claims Settled

1,182

FY 79/80

896

FY 80/81

1,042

Claims Pending

65

Avg 18 days

Claims by Province - 3 Year Comparison

Surrender vs New Policies Trend

Claim Type Distribution

Settlement Time by Province (Days)

Surrender Ratio & Policies Comparison by Province

Province	Total Policies	Surrendered	Surrender Ratio (%)	Surrendered Premium	3-Year Comparison
Bagmati	8,420	298	3.5%	रू 2.8 Cr	FY79/80: 245 \| FY80/81: 268 \| FY81/82: 298
Lumbini	5,680	186	3.3%	रू 1.7 Cr	FY79/80: 152 \| FY80/81: 168 \| FY81/82: 186
Koshi	3,850	142	3.7%	रू 1.3 Cr	FY79/80: 118 \| FY80/81: 128 \| FY81/82: 142
Madhesh	2,680	98	3.7%	रू 0.9 Cr	FY79/80: 82 \| FY80/81: 89 \| FY81/82: 98
Gandaki	2,150	76	3.5%	रू 0.7 Cr	FY79/80: 64 \| FY80/81: 69 \| FY81/82: 76
Sudurpaschim	1,580	52	3.3%	रू 0.5 Cr	FY79/80: 42 \| FY80/81: 47 \| FY81/82: 52
Karnali	1,120	38	3.4%	रू 0.4 Cr	FY79/80: 32 \| FY80/81: 35 \| FY81/82: 38

Death Claim Ratio & Claims Comparison by Province

Province	Total Policies	Death Claims	Death Claim Ratio (%)	Total Claim Amount	Approved Claims	Settlement Ratio (%)
Bagmati	8,420	128	1.52%	रू 38.5 Cr	122	95.3%
Lumbini	5,680	86	1.51%	रू 25.8 Cr	82	95.3%
Koshi	3,850	62	1.61%	रू 18.6 Cr	58	93.5%
Madhesh	2,680	45	1.68%	रू 13.5 Cr	42	93.3%
Gandaki	2,150	36	1.67%	रू 10.8 Cr	34	94.4%
Sudurpaschim	1,580	28	1.77%	रू 8.4 Cr	26	92.9%
Karnali	1,120	22	1.96%	रू 6.6 Cr	20	90.9%

Investment Portfolio & Maturity Tracking

Base Year

Comparison Year

Total Investment Portfolio

रू 218.4 Cr

+15.7% vs LY

FY 79/80

रू 158.2 Cr

FY 80/81

रू 188.6 Cr

ROI (Return on Investment)

15.7%

+1.8% vs LY

Maturing Policies (Next 12M)

18,420

Payout: रू 42.8 Cr

FD Investment

रू 68.5 Cr

Avg Interest

8.2%

Investment Distribution by Province (NPR Crore)

Bagmati

रू 78.2 Cr

35.8% of portfolio
Maturing: रू 15.4 Cr
ROI: 16.2%

Lumbini

रू 48.6 Cr

22.3% of portfolio
Maturing: रू 9.6 Cr
ROI: 15.8%

Koshi

रू 31.8 Cr

14.6% of portfolio
Maturing: रू 6.2 Cr
ROI: 15.4%

Madhesh

रू 21.8 Cr

10.0% of portfolio
Maturing: रू 4.3 Cr
ROI: 15.1%

Gandaki

रू 17.4 Cr

8.0% of portfolio
Maturing: रू 3.4 Cr
ROI: 15.6%

Sudurpaschim

रू 12.6 Cr

5.8% of portfolio
Maturing: रू 2.5 Cr
ROI: 14.8%

Karnali

रू 8.0 Cr

3.7% of portfolio
Maturing: रू 1.6 Cr
ROI: 14.2%

Investment Portfolio Breakdown

Portfolio Growth (3 Years)

Maturity Schedule (Next 12 Months)

FD vs Other Investments by Province

FD Investment Details by Province

Province	Total FD Amount	FD Count	Avg Interest Rate	Maturity (Next 12M)
Bagmati	रू 28.4 Cr	685	8.5%	रू 5.8 Cr
Lumbini	रू 17.6 Cr	428	8.3%	रू 3.6 Cr
Koshi	रू 11.2 Cr	312	8.1%	रू 2.3 Cr
Madhesh	रू 7.8 Cr	245	8.0%	रू 1.6 Cr
Gandaki	रू 6.2 Cr	198	8.2%	रू 1.3 Cr
Sudurpaschim	रू 4.5 Cr	142	7.9%	रू 0.9 Cr
Karnali	रू 2.8 Cr	98	7.8%	रू 0.6 Cr

FD Maturity Schedule (Next 12 Months)

Policy Number	Policyholder	Province	FD Amount	Interest Rate	Maturity Date	Days to Maturity	Policy Sum Assured
PL-2081-045	Ram Sharma	Bagmati	रू 5,50,000	8.5%	2025-05-15	28	रू 50,00,000
PL-2081-128	Sita Devi	Lumbini	रू 4,80,000	8.3%	2025-06-20	64	रू 45,00,000
PL-2081-256	Krishna Bahadur	Koshi	रू 6,20,000	8.1%	2025-07-10	84	रू 60,00,000
PL-2081-389	Gita Rai	Bagmati	रू 3,90,000	8.4%	2025-08-25	130	रू 40,00,000
PL-2081-512	Bikash Thapa	Madhesh	रू 7,50,000	8.0%	2025-09-30	166	रू 70,00,000
PL-2081-645	Anjali Gurung	Gandaki	रू 4,25,000	8.2%	2025-11-15	212	रू 42,00,000
PL-2081-778	Prakash Magar	Lumbini	रू 5,80,000	8.3%	2025-12-20	247	रू 55,00,000
PL-2081-901	Sunita Tamang	Bagmati	रू 6,90,000	8.6%	2026-02-10	299	रू 65,00,000

Maturing Policies with Investment Details (Next 12 Months)

Policy Number	Policyholder	Province	Policy Maturity	Sum Assured	Investment Type	Investment Amount	Interest Rate	Investment Maturity
PL-2081-045	Ram Sharma	Bagmati	2025-06-15	रू 50,00,000	FD	रू 5,50,000	8.5%	2025-05-15
PL-2081-128	Sita Devi	Lumbini	2025-07-20	रू 45,00,000	FD	रू 4,80,000	8.3%	2025-06-20
PL-2081-256	Krishna Bahadur	Koshi	2025-08-10	रू 60,00,000	FD	रू 6,20,000	8.1%	2025-07-10
PL-2081-389	Gita Rai	Bagmati	2025-09-25	रू 40,00,000	Bonds	रू 3,90,000	7.8%	2025-08-25
PL-2081-512	Bikash Thapa	Madhesh	2025-10-30	रू 70,00,000	FD	रू 7,50,000	8.0%	2025-09-30
PL-2081-645	Anjali Gurung	Gandaki	2025-12-15	रू 42,00,000	FD	रू 4,25,000	8.2%	2025-11-15
PL-2081-778	Prakash Magar	Lumbini	2026-01-20	रू 55,00,000	FD	रू 5,80,000	8.3%	2025-12-20
PL-2081-901	Sunita Tamang	Bagmati	2026-03-10	रू 65,00,000	FD	रू 6,90,000	8.6%	2026-02-10

AI/ML Predictive Analytics Dashboard

AI Feature 1: Claim Probability Prediction - Top Risk Policies

Policy ID	Plan Type	Province	Premium (रू)	Policy Age	Claim Probability	Risk Level
PL-2081-001	Whole Life	Bagmati	45,000	8 years	87.3%	High
PL-2081-045	Endowment	Lumbini	38,500	12 years	82.1%	High
PL-2081-128	Term	Koshi	28,000	15 years	76.8%	Medium
PL-2081-256	Money Back	Madhesh	52,000	6 years	68.4%	Medium
PL-2081-389	Endowment	Gandaki	32,500	10 years	62.2%	Low

AI Feature 2: Surrender Probability by Province

AI Feature 3: Agent Business Growth Prediction

AI Feature 4: Renewal Policy Forecast (Next 12 Months)

AI Feature 5: High-Potential Agents by Province

AI Feature 6: Premium Collection Pattern Analysis

Interactive AI Prediction Tools - Test Now!

🔮 Predict Claim Probability

Enter policy details to predict claim likelihood

Plan Type

Premium Amount (रू)

Policy Age (Years)

Province

🔮 Predict Surrender Risk

Check if a policy is likely to be surrendered

Payment Delay (Days)

Policy Age (Years)

Missed Payments (Last Year)

Premium Amount (रू)

🔮 Predict Agent Growth Potential

Identify high-potential agents for retention

Policies Sold (Last Year)

Premium Collected (रू Lakh)

Active Months (Last Year)

Renewal Rate (%)

🔮 Predict Policy Renewal

Will this policy renew next year?

Consecutive Years Renewed

Last Payment Delay (Days)

Claim History (Yes/No)

Policy Type

Reliable Life Insurance Analytics