Applicable from 03/10/2021- Till Further communication

West Zone defining States - MH, GJ, Goa, Daman & Diu, Dadra and Nagar Haveli
4W - Pvt (Online/ Offline)
Type Fuel Type Insurers RTO NET /OD Upto 1L 1L-2L 2L - 3L 3L - 5L 5L-10L 10L+

Reliance, Digit, IFFCO, Edelweiss, Kotak, Shriram, FGI,

System Accepted RTOs 2.2x 2.5x 2.6x 2.7x 2.8x
Navi, Raheja, Liberty, Magma, RSA (Petrol)

Bajaj System accepted RTOs 3.5x

Comp All ICICI System accepted RTOs 2.25x
OD
Chola MH, GJ 2.6x
RSA Diesel , SBI System Accepted RTOs 1.75x
Universal Sompo System accepted RTOs 1.2x
All PSU System accepted RTOs 1.5x
SAOD All All Insurers (on platform) System accepted RTOs 1.5x
GJ, Mumbai, Rest of MH 2.6x
ICICI Lombard
Nagpur 0.25x
Mumbai 3.3x
Reliance Pune 0.8x
Goa 1.3x
ALL IFFCO Tokio System accepted RTOs 1.15x
Mumbai, Pune 2.8x
GJ (Petrol) 2.3x
Bajaj GJ (except Petrol) 1.3x
Rest of MH 0.25x
Goa 1.8x
Gujarat 3.5x
Mumbai, Pune 3.8x +0.2x
TP Digit NET
Goa 3.3x
Rest of Maharashtra-Nashik,Nagpur,Kolhapur,Aurangabad 3.0x
Petrol Navi (DHFL) (CC<=1800) MH,GJ 2.7x
SBI General 1.1x
Edelweiss 2.5x
System accepted RTOs
FGI 2.7x
Kotak 1.9x
Edelweiss, FGI 1.8x
System Accepted RTOs
Diesel 0.25x
Digit
Mumbai, Goa 1.3x
Mumbai, Pune 3.9x
RSA
All Ahemdabad, Gandhi Nagar 2.3x
Chola and ALL PSU System Accepted RTOs 0.25x

Notes
1) Magma HR Declined
2) Bajaj TP - UK Declined
3) Digit (Petrol) HP, HR, MP, CG Declined
4) Digit (Diesel) MP, CG, Jammu, HR, HP Declined
5) Iffco Tokio Reward to be paid on comprehensive policies with NCB only for PCP
6) Icici Lombard Declined-Fortuner except MH & GJ, premium-2 model,Audi Premium-1,Swift-Diesel,I-20 Diesel,Etios-Diesel,Amaze- Diesel, Kwid, Polo,Vento,Bolero,Tavera,Quis,Indica,Indigo,Sumo,Brezza, Premium car
Icici Lombard India except
No Payout onMumbai,
High endPune, Nagpur and Bangalore, NCR & North
vehcile
No Payout on AUDI Cars
7) RSA** Declined States - MP, Raj, UP, Assam & NCR
High End Vehicles - Audi, BMW, Merc, Landrover, Jaguar, Volvo, Porche, Toyota - Fortuner - Pan India (except UP, Assam, HR, MP, RJ) - 1.95x
8) Shriram Declined - TN, MP
Shriram Declined Model Hyundai in North
9) For Deals beyond grid Please contact your RM
10) For All multi year policies payout will be considered for first year premium only
MUMBAI RTO's : MH01, 02, 03, 04, 05, 06, 43, 46, 47, 48
Pune: MH12, 14
11) All Insurers Rest all to be considered in Rest of Maharashtra
 Applicable from 03/10/2021- Till Further communication
West Zone defining States - MH, GJ, Goa, Daman & Diu, Dadra and Nagar Haveli
TW (Online/ Offline)
Scooter/ Bike Bike
Segment Insurers RTO NET /OD > 35k
Moped Upto 155 >155
Bajaj TW Single/ Multi Year (Ist Yr Premium) Goa, GJ, MH
3.1x
Raheja
Net
FGI 2.9x
Kotak 1.7x
ALL PSU System accepted RTOs 1.5x
RSA* 2.3x 2.0x
OD
SBI General (Age >=4 Years) 1.9x
Iffco 2.1x
ICICI Goa, GJ, MH 3.4x 2.6x
Net
Chola MH, GJ 2.9x 1.9x
OD - 1.9x
Shriram System accepeted RTOs
Net 0.7x -
System accepted RTOs (New) OD 1.9x
Edelweiss
System accepted RTOs (Old) 2.2x
GJ 3.9x 3.4x
Mumbai 3.9x
Comp Digit (1+1) (E-bikes same deals as Goa 3.9x 3.65x
scooters/moped) Pune 3.9x 3.4x
Rest of Maharashtra - Nasik/ Nagpur/
3.4x 2.1x -
Kohlapur/Aurangabad
Mumbai,Goa 3.4x 2.9x +0.2x
Digit (1+5) (E-bikes same deals as Gujarat 2.4x 0.9x
Net
scooters/moped) Pune,Rest of Maharashtra - Nasik/ Nagpur/
1.4x -
Kohlapur/Aurangabad
GJ, Pune 2.8x
Mumbai, Goa 3.0x
Digit (1+1) (Royal Enfield) -
Rest of Maharashtra - Nasik/ Nagpur/
1.5x
Kohlapur/Aurangabad
GJ 0.8x
Digit (1+5) (Royal Enfield) Mumbai - 2.3x
Goa 1.8x
Magma (New)** MH,Gujrat 900
Fixed pay
Magma Rollover MH,Gujrat 300
Bajaj System accepted RTOs 2.1x
Kotak System accepted RTOs 1.9x
IFFCO Tokio System Accepted RTOs 1.9x
RSA System accepted RTOs 2.3x
SAOD OD
Shriram System accepted RTOs 2.2x

Digit (E-bikes same deals as scooters/moped) System accepted RTOs 2.1x -

ICICI Lombard Goa, GJ, MH 2.4x

 SBI General 1.4x
FGI 2.7x
PSU 0.25x
IFFCO Tokio System accepted RTOs 0.9x
Shriram 0.7x
RSA 1.4x 0.25x
Kotak 1.9x
Edelweiss System accepted RTOs 2.9x
Goa, GJ,Rest of MH 2.9x
Bajaj
Mumbai 3.4x
GJ 4.1x 3.6x
Pune 4.1x 3.9x
Net
TP Digit (E-bikes same deals as scooters/moped) Mumbai 4.1x 3.6x - NA
Goa, ROM- Nashik, Kohlapur, Nagpur,
3.9x 3.4x
Aurangabad
Digit (Royal Enfield) GJ, Mumbai, Pune, Goa - 1.5x
Navi (CC<=170) MH, GJ 3.9x 2.9x
Mumbai 3.4x 1.4x 0.9x
Nagpur 1.9x 0.25x
Reliance Pune 3.4x 1.1x 0.25x
Goa 2.9x 1.1x 0.25x
ROM, GJ 2.9x 0.25x
Chola MH, GJ 2.9x 1.9x
ICICI Lombard MH, GJ, Goa 3.4x 2.4x
Magma System accepted RTOs Fixed pay 250

Notes
1 RSA - E-Bikes and E-Scooters - 3.5x on Net
2 **Magma - Payout mentioned in INR
3 For Deals beyond grid Please contact your RM
4 For All multi year policies payout will be considered for first year premium only
5 Shriram - For OLD Two-Wheeler: Approval applicable for PAN India except Kerala and Assam.
Shriram - The declined models under TWO Wheeler will be Pulsar, Apache, Shine(all models), Splendor( All models), CD Deluxe and HF Deluxe.

MUMBAI RTO's : MH01, 02, 03, 04, 05, 06, 43, 46, 47, 48
6 All Insurers Pune: MH12, 14
Rest all to be considered in Rest of Maharashtra
 Applicable from 03/10/2021- Till Further communication
West Zone defining States - MH, GJ, Goa, Daman & Diu, Dadra and Nagar Haveli
CV (Online/ Offline)
0 - 5L Above 5L
Insurers RTOs COMP On Net TP On Net COMP / TP
GCV upto 2.5 T
MH, GJ 4.8x
Reliance
Goa 5.0x
System accepted RTOs (Age Upto- 10 yrs, IDV - upto 35L)
Kotak 2.3x
Declined - Eicher Motors
Navi (Formerly DHFL) MH,GJ NA 4.3x
MH 4.9x
ICICI Lombard NA
GJ 5.3x
Rest of MH 4.5x
Shriram
Mumbai, GJ 4.8x
GJ, Pune, Rest of MH -Nasik, Nagpur, Kohlapur, Aurangabad 4.8x
Digit
Mumbai, Goa 5.0x +0.2x
FGI System Accepted RTO's 3.0x
Goa, GJ, Dadra and Nagar Haveli 4.3x
Bajaj Mumbai, Pune 4.8x
ROM 3.3x 4.3x
Edelweiss System Accepted RTO's 4.8x
IFFCO Tokio System accepted RTO's 1.3x
Chola MH,GJ 4.0x 3.5x
Royal Sundaram System accepted RTOs 4.3x
Magma** (incl. M&M upto 3T) MH,GJ 4.8x
SBI System accepted RTO's 3.3x
GCV 2.5T-3.5T
ROM (TP - Declined - Nasik, Nagar, Kohlapur, Dhule) 2.3x 3.3x
Goa 3.8x
Bajaj
GJ, Dadra and Nagar Haveli 3.8x 4.3x
Mumbai, Pune 3.3x 4.3x
MH 4.9x
ICICI Lombard NA
GJ 5.3x
GJ, Pune 3.8x
Digit Mumbai, Goa 4.5x
Rest of MH -Nasik, Nagpur, Kohlapur, Aurangabad 3.0x
Reliance System accepted RTOs 3.5x
+0.2x
System accepted RTOs (Age Upto- 10 yrs, IDV - upto 35L)
Kotak 2.3x
Declined - Eicher Motors
Navi MH,GJ NA 4.3x
Edelweiss System Accepted RTO's 4.8x
Shriram, Magma** MH, GJ 4.8x
GJ 3.8x 3.5x
Chola
MH 3.8x 2.3x
SBI System accepted RTO's 3.3x
FGI System Accepted RTO's 3.0x
IFFCO Tokio System accepted RTO's 1.3x
GCV 3.5 T- 7.5 T
Pune 2.3x 2.8x
GJ, Dadra and Nagar Haveli 2.3x 3.8x
Bajaj Mumbai 3.3x 3.8x
Goa 3.8x
Rest of Maharashtra 1.6x 2.3x
IFFCO Tokio System accepted RTO's 1.3x
Navi MH,GJ NA 3.8x
System accepted RTOs (Age Upto- 10 yrs, IDV - upto 35L)
Kotak 2.3x
Declined - Eicher Motors
+0.2x
Chola MH, GJ 1.8x 0.25x
GOA, ROM, GJ 1.5x
Reliance
Mumbai 3.8x
Magma MH,GJ 1.9x
GJ 0.5x 2.3x
Mumbai 3.0x 2.5x
Digit <5 years Pune 2.3x 2.8x
Goa 3.0x 2.5x
Rest of Maharashtra - Nasik, Nagpur, Kohlapur, Aurangabad 2.3x 2.5x
 GJ 0.5x 2.8x
Mumbai 3.0x
Digit >5 years Pune 2.3x 2.8x
Goa 3.0x +0.2x
Rest of Maharashtra - Nasik, Nagpur, Kohlapur, Aurangabad 2.3x 2.5x
GJ 1.8x
Shriram (CNG only)
Mumbai 2.3x
GCV 7.5T-12T
Goa 1.3x 2.8x

Bajaj GJ, Mjumbai, Dadra and Nagar Haveli 1.3x 3.3x

Pune 2.0x 3.3x
Rest of Maharashtra 1.6x 2.3x
Chola MH, GJ 1.8x 0.25x
IFFCO Tokio System accepted RTO's 0.8x
GJ 0.5x 2.0x
Mumbai 0.5x 1.3x
Digit <5 years Pune 1.5x 1.8x
Goa 0.5x 1.3x
Rest of Maharashtra - Nasik, Nagpur, Kohlapur, Aurangabad 0.6x 1.2x +0.2x
GJ 0.5x 2.5x
Mumbai 1.3x 2.3x
Digit >5 years Pune 1.5x 2.3x
Goa 1.3x 2.3x
Rest of Maharashtra - Nasik, Nagpur, Kohlapur, Aurangabad 0.6x 1.4x
GJ 1.8x
Shriram (CNG only)
Mumbai 2.3x
ICICI System Accepted RTO's 1.5x
Magma MH,GJ 1.9x
Mumbai 0.8x
Reliance
ROM, GJ, Goa 0.25x
GCV 12T-16T
Chola MH,GJ 1.8x 0.25x
Goa 1.3x 2.8x
GJ, Mjumbai, Dadra and Nagar Haveli 1.5x 3.3x
Bajaj (upto 17T)
Pune 2.0x 3.3x
Rest of Maharashtra 1.6x 2.3x
MH 1.5x
Shriram
GJ 1.8x
ICICI (upto 20T) System Accepted RTO's 1.5x
IFFCO Tokio System accepted RTO's 0.8x
GJ 1.1x 1.4x
Mumbai 1.3x 1.8x
Digit <5 years Pune 1.3x 1.8x
Goa 1.3x 1.8x +0.2x
Rest of Maharashtra - Nasik, Nagpur, Kohlapur, Aurangabad 0.8x 1.8x
GJ 1.1x 2.8x
Mumbai 1.3x 2.5x
Digit >5 years Pune 1.3x 2.3x
Goa 1.3x 2.5x
Rest of Maharashtra - Nasik, Nagpur, Kohlapur, Aurangabad 0.8x 1.8x
Navi MH,GJ NA 1.3x
Magma MH,GJ 1.9x
Mumbai 2.0x
Goa 1.8x
Reliance (Ashok leyland & Tata Only)
Nagpur 0.25x
ROM, Gujarat 1.5x
 GCV 16T-40T
Mumbai 2.0x
Goa 1.8x
Reliance (Ashok leyland & Tata Only)
Nagpur 0.25x
ROM, Gujarat 1.5x
Chola MH,GJ 1.8x
IFFCO Tokio System accepted RTO's 0.8x
Mumbai 1.3x 3.8x
GJ, Dadra and Nagar Haveli 1.3x 3.3x
Bajaj (17T - 26T) Goa 1.8x 3.3x
ROM 1.8x 2.8x
Pune 0.8x 3.3x
Mumbai 1.3x 3.8x
GJ, Dadra and Nagar Haveli 2.3x 3.8x
Bajaj (26T- 40T) Goa 0.25x
ROM 1.6x 2.3x
Pune 1.8x 2.8x
+0.2x
GJ 1.1x 1.4x
Mumbai 1.3x 1.8x
Digit <5 years Pune 1.3x 1.8x
Goa 1.3x 1.8x
Rest of Maharashtra - Nasik, Nagpur, Kohlapur, Aurangabad 0.6x 1.3x
GJ 1.3x 2.8x
Mumbai 1.8x 2.5x
Digit >5 years Pune 1.3x 2.3x
Goa 1.3x 2.5x
Rest of Maharashtra - Nasik, Nagpur, Kohlapur, Aurangabad 0.6x 1.3x
MH 1.5x
Shriram
GJ 1.8x
Navi MH,GJ NA 1.3x
Magma MH,GJ 1.9x
Non Truck - MH 1.5x NA
ICICI
System Accepted RTO's 0.25x
GCV >40T
Goa, Mumbai 1.6x 2.3x
Bajaj
GJ, Pune, ROM, Dadra and Nagar Haveli 0.25x
GJ 0.5x 1.4x
Mumbai 1.3x 1.8x
Digit <5 years Pune 1.3x 1.8x
Goa 1.3x 1.8x
Rest of Maharashtra - Nasik, Nagpur, Kohlapur, Aurangabad 0.6x 1.3x
GJ 0.5x 2.8x
Mumbai 1.8x 2.5x +0.2x
Digit >5 years Pune 1.3x 2.3x
Goa 1.3x 2.5x
Rest of Maharashtra - Nasik, Nagpur, Kohlapur, Aurangabad 0.6x 1.3x
MH 1.5x
Shriram
GJ 1.8x
Mumbai 2.0x
Reliance (Ashok leyland & Tata Only) Nagpur 0.25x
Goa, ROM, Gujarat 1.3x
GCV 3W
Goa 2.3x
Reliance Mumbai 2.8x
ROM, Gujrat 2.5x
Chola MH,GJ 3.5x
GJ 5.3x
Shriram
Mumbai 4.8x
Mumbai 5.3x
Rest of Maharashtra 1.8x +0.2x
Bajaj GJ, Dadra and Nagar Haveli 3.8x 4.3x
Goa 3.8x 4.8x
Pune 3.8x
FGI System Accepted RTOs 2.8x 4.8x
Mumbai, Goa 2.8x 3.3x
Digit GJ 3.3x 3.8x
Pune, Rest of MH 1.8x 2.0x
 PCV 3W
ROM 5.3x 4.8x
Bajaj
Goa, GJ, Pune, Dadra and Nagar Haveli 5.3x
(Petrol & CNG)
Mumbai 5.8x 5.3x
MH 4.9x
ICICI Lombard (Bajaj only) Ahemdabad, Baroda, Surat 4.4x NA
Rest fo GJ 3.9x
Gujarat 5.0x
Mumbai 6.3x
Digit (Petrol, CNG) Pune 5.8x
Goa 5.3x
Rest of MH 5.2x
Digit (Diesel) Mumbai, Pune 3.5x
Mumbai 6.3x +0.2x
Shriram GJ 5.3x
Rest of MH 5.8x
Magma MH,GJ 5.8x
MH 3.5x
Chola
GJ 1.8x
ROM, Rest of GJ, Goa 0.25x
Reliance
Mumbai, Pune, Ahemdabad 5.0x
IFFCO Tokio System accepted RTO's 1.3x
Navi MH,GJ NA 4.3x
Ahemdabad, Baroda, Surat, Pune 5.5x
RSA
Mumbai 5.8x
FGI System Accepted RTOs 2.8x 4.8x
PCV - 4W (Taxi)
Mumbai 5.3x
Pune 3.8x
Shriram (6+1)
GJ 2.3x
Rest of MH 3.3x
Mumbai 3.0x
Shriram (7-10)
GJ 1.3x
Goa 2.8x 3.3x
Mumbai 3.3x
Bajaj (PCV/ Taxi) ROM 0.25x
Pune 1.3x 0.25x
GJ, Dadra and Nagar Haveli 2.0x 3.3x
IFFCO Tokio System accepted RTO's 1.3x
Goa 2.8x
ROM, GJ 3.3x
Reliance Pune 3.8x
(Non ZD) Nagpur 2.3x
Mumbai 4.8x
+0.2x
Mumbai (Taxis incl. Black & Yellow) 5.0x
Mumbai 3.8x
Nagpur 1.3x
Reliance (ZD) Pune 2.8x NA
Goa (Petrol only) 3.3x
ROM, GJ 2.3x
Magma** System Accepted RTO's 3.3x 0.25x
MH, GJ 0.8x 0.25x
Chola
Rest of West - System Accepted RTOs 0.25x
Mumbai, GJ 0.8x 2.5x
Pune 2.5x
Goa (Upto 5 seater) 3.3x 2.5x
Digit
Goa (Upto 6-10 seater - Maruti, Hyundai, Honda only) 1.8x -
Mumbai (Black & yellow) 5.3x -
ROM - Nasik, Nagpur, Kolahpur, aurangabad 2.3x 1.3x
Other Taxis 0.25x
ICICI
Mumbai (Black & yellow) 4.5x NA
School Bus
Bajaj, ICICI, Digit, Shriram 6.2x
RTOs on System (only on School Name)
Reliance 5.7x +0.3x
Chola System Accepted RTO 5.2x
 PCV 4W Other Than school BUS (Carrying Capacity <10)
GJ, Dadra and Nagar Haveli 1.7x 2.8x
Goa 1.8x 2.8x
Bajaj Mumbai 2.8x +0.2x
ROM 0.25x
Pune 1.3x 0.25x
Staff BUS/ Contract Bus
Digit System Accepted RTOs 5.0x
Goa,ROM,Gujarat 4.5x
Reliance
Mumbai 4.8x
Mumbai 5.2x
ICICI Lombard
System Accepted RTOs 3.4x
+0.2x
Chola System Accepted RTOs 4.3x
Shriram System Accepted RTO's (In the name of Corporates/Companies) 4.3x
IFFCO Tokio
System Accepted RTO 1.3x NA
(Incl. Route Buses)
Bajaj (CC>10) System Accepted RTOs 2.3x 2.8x
Car Carrier
Chola Accepted RTOs on system 1.95x 0.25x
Mumbai 1.25x NA
ICICI +0.2x
System Accepted RTO's 0.25x
Reliance Accepted RTOs on system 2.3x
Garbage Van
Reliance RTOs on system 2.5x 2.3x
+0.2x
Chola MH,GJ 2.3x
Misc D
GJ 2.0x
Pune 2.0x 1.8x
Digit
Rest of MH 1.8x
Mumbai, Goa 2.0x 1.5x
ICICI Lombard All System accpeted RTOs - Tata ACE Declined 2.4x NA
Reliance (Disc. upto 50%) System Accepted RTO's 2.3x
Reliance (Disc. upto 50 - 60 %) System Accepted RTO's 1.8x
NA +0.2x
Reliance (Disc. upto 60 - 70%) System Accepted RTO's 1.3x
Reliance (Disc. above 70%) System Accepted RTO's 1.5x (OD)
Magma MH,Gujarat 2.3x 0.25x
IFFCO Tokio System accepted RTO's 1.0x
Mumbai & Rest of Maharashtra 0.8x 0.25x
Bajaj GJ, Pune, Dadra and Nagar Haveli 1.3x 0.25x
Goa 1.8x 0.25x
Tractor
Mumbai, Goa 2.5x 2.3x
Gujarat 4.0x 3.3x
Digit<5 Years
Pune 2.3x 2.0x
MH - Nasik, Nagpur, Kohlapur, Aurangabad 3.3x 2.5x
Pune 2.3x 2.0x
MH - Nasik, Nagpur, Kohlapur, Aurangabad 3.3x 2.5x
Digit>5 Years
Mumbai, Goa 0.5x 2.3x
Gujarat 1.3x
Reliance Agriculture Tractor without
System Accepted RTO's 3.8x
Trailor

Reliance Misc D Tractor without Trailor System Accepted RTO's 4.0x

+0.2x
Goa, Mumbai 2.3x
GJ, Dadra and Nagar Haveli 2.8x
Bajaj (commercial Tractor only)
ROM 2.8x 0.25x
Pune 2.3x 0.25x
Magma MH,Gujarat 2.3x 0.25x
IFFCO Tokio System accepted RTO's 1.3x
Chola MH,GJ 2.3x
Mumbai, Pune, Nagpur, MH 2.4x
GJ (old) 2.7x
ICICI Lombard (Commercial Tractor only) NA
GJ (New only) 4.0x
Pune , MH ( on New only) 3.7x
 E Rikshaw
Navi MH,GJ NA 4.3x
Bajaj GJ, MH, Dadra and Nagar Haveli 4.3x
Shriram
MH 2.3x +0.2x
(E-Rikshaw, E-Cart)
Digit
System Accepted RTO's 2.3x
(Self Owned)

Remarks :
1 Rewards for monthly basis till further communication

Kotak Declined Usage - The transport of high explosives, such as nitro-glycerine, dynamite or any other similar explosive.
The transportation of chemicals or gases in liquid, compressed or gaseous form
2
Explosion losses resulting out of inherent vice in bulk transportation of liquefied petroleum, or gasoline or fuel
The transportation of hazardous waste

Kotak: GCV : Declined States - HR, RJ, TN, Meghalaya, Mizoram, Tripura, UP, CG, GJ-04
3 For Deals beyond grid Please contact your RM
4 Shriram* Declined- MH-26(NANDED), MH-45(AKLUJ), MH-23(BEED), MH-22(PARBHANI), GJ-03(RAJKOT).
5 Mahindra Bolero - Reliance - Upto 3T - will be considered in 2.5T
6 Magma - GCV 3W to be recorded as per GVW and payout will be only upto 3.5T
MUMBAI RTO's : MH01, 02, 03, 04, 05, 06, 43, 46, 47, 48
7 Pune: MH12, 14
Rest all to be considered in Rest of Maharashtra
8 ICICI : No payout on Pvt Carrier LCV