Dehradun: Aviva India announced its financial results for FY25, showcasing steady progress and a sharp focus on sustainable growth. The year wasn’t about chasing scale – it was about building depth. Every decision was rooted in purpose, every outcome aligned to long-term value. Building on the foundation laid in FY24, Aviva strengthened its fundamentals through smarter products, sharper execution, and a deeper emotional connect with customers across India.
While the Gross Written Premium held steady at Rs 1307 crore, Aviva shifted gears from a distribution-led model to a more product-driven and customer-centric approach, anchored in persistency, prevention-led growth, and operational efficiency. This transformation is reflected in improved claim settlement experiences, a reduction in complaints per 10,000 policies, and the growing impact of health and wellness initiatives.
Aviva India has achieved one of the best turnaround time with 100% claims settled within 30 days. We are among the best in industry with 99.25% amount of claims paid. The company recorded a drop in complaints per 10,000 policies, from 20 in FY24 to 16 in FY25, showing its progress in service delivery and claims experience.
Aviva is redefining life insurance by integrating wellness into its offerings. With a focus on physical fitness, mental well-being, proactive health checks, nutrition, and financial security, Aviva promotes holistic living. Its Preventive Wellness Package, offered with the Signature 3D Term Plan – Platinum, includes wellness kits featuring a smartwatch, smart scale, BP monitor, AI-driven nutrition consults, and genetic testing, empowering customers to take charge of their health.
The Assets Under Management (AUM) moved upwards to Rs 14,735 crores, registering a 6% growth and signaling continued investor trust and consistent fund performance. But what stood out wasn’t just growth, it was the sustainability of it.
The 13th Month Persistency Rate, a key indicator of long-term customer trust, improved to 73% in FY25, signaling stronger customer relationships and a sharper focus on sustained value rather than short-term wins.
The company recorded a profit of Rs 107.52 crore from Rs 89.66 crore last year, and the solvency ratio improved to 193% – both indicating a healthy, stable financial foundation. Net worth increased by 14%, giving Aviva more room to innovate and invest in the future.
Sharing his thoughts on the financial achievements and business performance in FY25, MD and CEO Asit Rath said, “FY25 has been a year of meaningful progress and clarity of purpose. We’ve sharpened our focus on customer needs, embraced innovation with agility, and delivered consistent value across stakeholders.”
“Our growing share of product portfolio, improved operational ratios, and innovation-led approach position us well for the future. What excites us most is the journey ahead, one where insurance becomes more inclusive, relevant, and accessible for every Indian household. With upcoming launches tailored to specific life stages and health conditions, including low-ticket offerings, we’re reimagining the role of insurance in people’s lives. As part of this vision, our health and wellness initiatives, like the Preventive Wellness Package, are empowering customers to take charge of their well-being, making insurance not just about prevention, but about proactive living,” adds Rath.
Looking Ahead
The road ahead is even more exciting. A refreshed brand narrative is on the horizon – one that makes wellness a central part of financial security. Aviva’s upcoming product launches are designed not for shelf appeal, but for everyday life – affordable, accessible, and aligned to the realities of millions residing in India.
