PB Fintech (POLICYBZR) investor relations material

Strategic vision and growth trajectory

• Achieved 4.9x growth in insurance premium and 4.7x in lending disbursal from FY22 to FY26, with profitability since FY24 and a target of ₹1,000 Cr PAT in FY27.

• FY26 insurance premium reached ₹29,934 Cr and loan disbursal ₹30,740 Cr, with 67% YoY growth in protection new premium and 25% growth in core online loan disbursals.

• Vision for FY30 targets ₹1 lakh Cr in insurance premium, driven by renewal flywheel, tech/AI leverage, and fixed-cost dilution.

• Expanded into new initiatives: business enablement for 450K+ partners, UAE business (profitable, 50% non-motor), and corporate insurance for 50K+ corporates/SMEs.

• AI and tech are embedded across sales, risk, and service, driving efficiency, personalization, and risk management at scale.

Insurance business: leadership, innovation, and ecosystem

• Core online insurance revenue is 70%+ protection-led (health & term), with high renewal and margin; fresh business and motor segments growing 2–3x industry rates.

• Life business is among the top 5 distributors, with 32% CAGR in fresh term and savings premium, and industry-leading persistency and low complaints.

• Product innovation includes living benefits, capital guarantee, premium holidays, homemaker/NRI plans, and co-developed health plans (26% of all retail health plans).

• Health insurance market share grew from 4.5% to 18–20% since IPO, with persistency and renewal rates at all-time highs and 40% of new lives added in FY26.

• Motor insurance market share reached 8.6% in private cars and 11.8% in two-wheelers, with usage-based plans, flexible payments, and assured delivery claims support.

Credit marketplace and digital lending

• Paisabazaar is India's largest credit comparison platform, with 25 lakh monthly enquiries, ₹31K Cr loan disbursals in FY26, and 5.8 Cr credit score consumers.

• Digital lending's share is projected to rise from 12% in FY22 to 40% by FY30, with platform advantages from UPI, Aadhaar, and digital infrastructure.

• Strategy focuses on deepening unsecured credit, scaling secured credit, driving credit progression, building a wealth platform, and embedding AI.

• Proprietary risk scoring filters out high-risk customers, reducing early delinquencies and improving partner portfolio quality.

• Engagement loops via payments and PB Wallet drive repeat lending and customer stickiness, expanding revenue beyond first disbursal.