This grid is applicable for N1, N2, S1, S2, EAST zones from 1st to 31st Mar’22

PRIVATE CAR SPECIAL PAY-OUT FOR THE MONTH OF March'22. This is applicable for all Zones except West Zone
Applicable from 1/3/22 to 31/3/22. Patrner's total private car Comp & SAOD business (Net premium) from 1/3/22 to 31/3/22 will be considered for fixing the slab
GROUP 1 GROUP 2 GROUP 2 BONUS (On doing 1 policy of Health/Life)
Business (Net Business) PAY-OUT PAY-OUT PAY-OUT
Slab 1 0 - 25K 19% on OD 21% on OD 23% on OD
Slab 2 25K - 1L 20% on OD 22% on OD 24% on OD
Slab 3 1L - 2L 21% on OD 23% on OD 25% on OD
Slab 4 2L - 3L 23% on OD 25% on OD 27% on OD
Slab 5 3L - 4L 24% on OD 26% on OD 28% on OD
Slab 6 4L 25% on OD 27% on OD 29% on OD
Applicable only for the below mentioned insurers and coverage Applicable only for the below mentioned insurers and Applicable only for the below mentioned insurers and
INSURER COVERAGE TYPE INSURER COVERAGE TYPE INSURER COVERAGE TYPE
HDFC Petrol Comprehensive Edelweiss (All fuel types) Comprehensive & SAOD Edelweiss (All fuel types) Comprehensive & SAOD
Royal Sundram* (Deviation List) Comrehensive & SAOD Future Generali (All Fuel types) Comprehensive & SAOD Future Generali (All Fuel types) Comprehensive & SAOD
*ICICI (Refer Deviation List) Comprehensive Reliance (With NCB; All fuel types) Comprehensive & SAOD Reliance (With NCB; Petrol) Comprehensive & SAOD
Reliance (Without NCB; All fuel
Comprehensive & SAOD Digit (non high-end) (All fuel types) Comprehensive & SAOD Digit (non high-end) (All fuel types) Comprehensive & SAOD
types)
Bajaj (High end; All fuel types
Comprehensive Kotak (All fuel types) Comprehensive & SAOD Kotak (All fuel types) Comprehensive & SAOD
with NCB)
Shriram L1 (Petrol/CNG only, Bajaj (Non Highend; All fuel types Bajaj (Non Highend; All fuel types
Comprehensive & SAOD Comprehensive Comprehensive
Refer Deviation List) with NCB) with NCB)
Liberty (All fuel types) Comprehensive & SAOD Liberty (All fuel types) Comprehensive & SAOD
Raheja QBE (All fuel types) Comprehensive & SAOD Raheja QBE (All fuel types) Comprehensive & SAOD
Shriram L2 (Petrol/CNG only, Refer Shriram L2 (Petrol/CNG only, Refer
Comprehensive & SAOD Comprehensive & SAOD
Deviation List) Deviation List)

P referred Insurer - P vt Car Non-Preferred Insurers- Pvt Car

Comprehensive SAO D TP Comprehensive SAOD TP
Digit (non high-end) ICICI Digit TATA Digit (high-end) IFFCO
Edelweiss Reliance HDFC ERGO New India TATA
Future Generali Royal Sundaram ICICI
National Insurance Raheja
HDFC ERGO (Petrol) Kotak Reliance
SBI New India
ICICI (only locations where PO is
Future Generali United India IFFCO
as per slab)
Bajaj Bajaj IFFCO HDFC ERGO
Kotak Edelweiss HDFC ERGO (Diesel)
Magma HDI Shriram (Petrol) ICICI (Rest of the locations)
Raheja QBE Digit (non high-end) Digit (high-end)
Reliance Magma HDI Royal Sundaram (Rest of the
Royal Sundaram (only locations
Liberty locations)
where PO is as per slab)
All non-preferred Insurers payout is capped at 15% on OD
Shriram (Petrol)
Liberty Iffco (Offline), Tata AIG payout is capped at 10% on OD
For preferred insurers, Comprehensive and SAO D pay-out will be as per the monthly slab Payout is 0% for diesel vehicles in Shriram
Any Insurer other than mentioned above shall be c onsidered as Non-P referred Universal Sompo capped on 10% on OD
 DEVIATION LIST
Fuel Type & Pay-out
Insurer Policy Type Location
Make/Model Restriction
Comprehensive Petrol As per Slab Pan India

Comprehensive Diesel/Non-petrol 14% HR, UP, NCR, PB ex Chandigarh&Amritsar, MP excluding

Indore, RJ ex Jaipur, TR, ML, MZ, CG, GJ, KL, TN, KA ex
HDFC SAOD Petrol 10% Bangalore
SAOD Diesel/Non-petrol 7%
Comprehensive Diesel/Non-petrol 18%
SAOD Petrol 15% Locations other than the ones mentioned above
SAOD Diesel/Non-petrol 10%
COMPREHENSIVE With NCB (All fuel types) As per Slab Pan India
SAOD With NCB (All fuel types) 19.5% Pan India
COMPREHESIVE &
Bajaj Without NCB (Petrol) 15% Pan India
SAOD
COMPREHESIVE &
Without NCB (Diesel) 7.5% Pan India
SAOD
Petrol/ Petrol+CNG As per Slab (Group 1) L1- AP,MP, OD,RJ,UP,WB
As per Slab (Group 2,
COMPREHESIVE & Petrol/ Petrol+CNG L2- DL,NCR,BR,HR,HP,JK,JH,KA,KL,PB,CH,TN, KL,UK
Shriram Group 2 + Health/Life)
SAOD
Petrol/ Petrol+CNG 15.0% CG & North East
Diesel 0% Pan India
All fuel types (With or without NCB) As per Slab Delhi, Punjab (excluding Chandigarh), Dehradun

Hyderabad, Bangalore, Kolkata, Bhubaneshwar,

As per Slab
Jharkhand, Bihar
17% Chandigarh, Chennai, Cuttack, Goa, Kharagpur
All fuel types (With NCB)
MP, RJ, UP(including Noida), Haryana (including
10%
Gurgaon), Assam
15% Rest of India
COMPREHENSIVE
Hyderabad, Bangalore, Kolkata, Bhubaneshwar,
& SAOD 16%
Jharkhand, Bihar
All fuel types (Without NCB) MP, RJ, UP(including Noida), Haryana (including
ROYAL SUNDARAM 7%
Gurgaon), Assam
15% Rest of India
15% Pan India except UP,RJ,HR,MP,Assam
High-end vehicles(Refer to the list
below) (With or without NCB)
0% UP,RJ,HR,MP,Assam

High-end vehicles (All fuel types and

with/without 15% Pan India
RENEWALS NCB)
Non high-end (Diesel) 16% Pan India
Non high-end (non Diesel) 19.5% Pan India
DL, NCR, KA, Hyderabad, UP (Petrol only), PB ex
Comprehensive Petrol (NCB&non NCB); NCB Diesel As per slab
Ludhiana, UK, JK, HP, BR, JH, WB, AS, ML, AR, NL
Chennai, TS ex Hyderabad, AP, Ludhiana, Chandigarh, RJ
Comprehensive Petrol (NCB&non NCB); NCB Diesel 17.0%
(Only Petrol), UP (NCB Diesel), HR (Only Petrol), OD
Comprehensive Petrol (NCB&non NCB); NCB Diesel 15.0% Rest of TN, KL, MP, CG, HR (NCB Diesel), RJ (NCB Diesel)
Comprehensive Non NCB Diesel 17.0% Pan India
SAOD NCB (Petrol & Diesel) 17.0% KA, Chennai, Coimbatore, AP, TS, DL, NCR, OD, WB, AS,
ICICI LOMBARD
SAOD Non NCB (Petrol & Diesel) 15.0% ML, AR, NL
SAOD NCB & non NCB all fuel types 15.0% Rest of TN, KL, PB, CH, RJ, UP, HR, JK, UK, HP, BR, JH
Fortuner except MH & GJ,Swift/Dzire-
Diesel,I-20 Diesel,Etios-Diesel,Amaze-
COMPREHENSIV
Diesel,Kwid,Polo,Vento,Bolero,Tavera 15% PAN INDIA
E & SAOD
,Qualis,Indica,Indigo,Sumo,Brezza
Diesel, Omni, Echo, Ertiga Diesel

WB, Jharkhand, Bihar, Maharashtra, Andhra Pradesh,

Telangana, Gujarat, Chhattisgarh, Punjab, Tamil Nadu,
As per Slab
MAGMA Comprehensive All fuel types Kerala, Karnataka, RJ, UP, Orissa, Delhi NCR,
MP, North East
15% Rest of India than mentioned above
COMPREHENSIVE
Universal Sompo All fuel types 10% PAN INDIA
& SAOD

ROYAL SUNDARAM PRIVATE CAR HIGH END VEHICLES LIST

Make Model Make Model Make Model Make Model Make Model
ALFA ROMEO All FERRARI All MASERATI All Plymouth Prowler All VAUXHALL All
ASTON MARTIN All FIAT All MAZDA All PORSCHE All Volkswagen Beetle
AUDI MOTORS All Ford Endeavour Mc LAREN All ROLLS-ROYCE All Volkswagen Crafter
Austin All Ford Mustang MERCEDES-BENZ All Sanstrom All Volkswagen GTI
BENTLEY All Ford F-150 MINI All SKODA Karoq Volkswagen Jetta
BMW All General Motors All Mitsubishi All SKODA Kodiaq Volkswagen Passat
BMW Mini All ISUZU All NISSAN 350Z SKODA Laura Volkswagen PHAETON
BUGATTI All JAGUAR All NISSAN 370 SKODA Octavia Volkswagen Tiguan
CADILAC All JEEP All NISSAN Eigrand SKODA Rapid Volkswagen Touareg
CHEVROLET All KOENINSEGG All NISSAN Fair Lady SKODA Superb Volkswagen T-ROC
CITROEN All LAMBORGHINI All NISSAN GT-R SKODA Yeti Volkswagen V 10
Daimler Chrysler All Land Rover All NISSAN INFINITI FX30 SML ISUZU All VOLVO All
DILIP CHHABRIA DESING PVT LTD All Lenchester All NISSAN PATROL SSANGYONG All WILLYS All
Dodge All LEXUS All NISSAN Teana TESLA All
DUTSON All LOTUS All NISSAN X Trail Toyota All (except Innova & Etios)
 Pvt Car TP Only pay-out (Net)
Royal Sundaram
Zone State Name / City DIGIT (Petrol/CNG) Reliance HDFC ICICI Future Generali
(offline)
Liberty (offline) IFFCO
Arunachal Pradesh 10% 5% 14% - - 20% -

15% excluding (Petrol/ Diesel):

Assam 10% 5% - - -
Maruti (20%/15%)

25% (Patna); 20%

Bihar 30% 5% 18% 24% P:20% D:15% 28%
rest of BR
Chhattisgarh 15% (Only Raipur) - - - - - -
25% (Ranchi); 20 %
Jharkhand 30% 5% 18% 24% - 25%
rest of JH
East
Meghalaya 10% 5% 14% - - - -
Mizoram 10% 5% 14% - - - -
Nagaland 10% 5% 14% - - - -
Odisha 20% 5% 18% - - - -
35% (Refer to RTO
Kolkata 30% 12% 18% 20% (only Petrol) P:20% D:15% 28%
list)
Rest of West Bengal 30% 5% 18% 20% (only Petrol) P:20% D:15% - -
Sikkim 10% 5% 14% - - - -
Tripura - 5% 14% - - - -
Manipur 10% 5% 14% - - - -
Delhi 32.5% 23% 18% 22% (Petrol only) P:20% D:15% 32% 28%
NCR 32.5% 23% - 22% (Petrol only) - - 28%
Rajasthan 10% - - - - - -
Jaipur 10% - - - - - -
Jodhpur 10% - - - - - -
Haryana 24% - - - - - -
Himachal Pradesh - 7% 18% 20% (only Petrol) - - -
24% in Kashmir, 15%
Jammu & Kashmir 7% (Only Jammu) 18% 20% (only Petrol) - 35% 27%
in Jammu
Chandigarh 24%Petrol; 17%Diesel 7% 16% 20% - - -
20% (Ludhiana); Rest
North Punjab 24%Petrol; 17%Diesel 7% 16% of PB: 20% (Petrol - 28% (Ludhiana) 27%
Only)
25% (LUCKNOW,
ALLAHABAD, Flat 1.5% on Net for
P:20% D:15% (Refer all the available
Uttar Pradesh 20% - - 20% - GORAKPUR,
to RTO list) locations online
KANPUR &
VARANASI)
24% (Dehradun,
Haridwar, Rishikesh,
Uttarakhand - 18% 20% (only Petrol) - 37.5% (Dehradun) 28% (Dehradun)
Roorkee),20% in rest
of UK

20% (Vijayawada);
Andhra Pradesh 25% - - P:20% D:15% - -
Petrol only

Chennai 13% 5% - - - - -
Coimbatore 13% - - - - - -
Tamil Nadu - - - - - - -
South Pondicherry - - - - - - -
Bangalore 25% 5% - 20% (only Petrol) - - -
Karnataka (Mysore,
20% (Refer to RTO list) - - - - - -
Mangalore, Udupi, Shimoga)
Rest of Karnataka 12% - - - - - -
Hyderabad 25% - 18% 20% (only Petrol) P:20% D:15% - -
Telangana 25% - 18% - P:20% D:15% - -
Kerala - - - - - - -
Madhya Pradesh 12% (Only Indore) - - - - - -
Goa 28% 10% 18% 30% (only petrol) P:20% D:15% - 25%
Pune 32% 7% 18% 22% P:20% D:15% 40% 25%
Nashik 25% - 18% 20% P:20% D:15% - -
Nagpur 25% 18% 22% - -
Thane 30% 32% 18% 22% P:20% D:15% - 25%
Mumbai 30% 32% 18% 22% P:20% D:15% 40% (Refer to RTO 25%
West Rest of Maharashtra 25% - 18% 20% P:20% D:15% - -
28%
20% (GJ01, GJ38,
Gujarat 32.5% - 10% 30% (only petrol) P:20% D:15% (Ahmedabad);
GJ18, GJ27)
25% ROGJ
Dadra & Nagar Haveli 24% - 18% - - - -
Daman and Diu - - 18% - - - -
Andaman 25% - - - - - -
Applicable from 1/3/22 to 31/3/22
Applicable for all Online/Offline cases. No conditions
Future Generali UP applicable RTOs is attached. Pay-out is applicable for those RTOs only
All the RTOs and Models which are declined and not mentioned pay-out will be 1.5% if the vehicle age is greater than 3yrs
 Royal Sundaram RTOs ICICI SATP RTOs UP East, Lucknow, Kanpur
Mumbai MH01, MH02, MH03, MH04, MH05, MH43, MH46, MH47, MH48, MH55
RTO Location RTO Location
WB01, WB02, WB03, WB04, WB05, WB06, WB07, WB08, WB09, WB10, WB11, UP71 FATEHPUR UP East UP53 GORAKHPUR UP East
Kolkata WB12, WB13, WB16, WB18, WB19, WB20, WB22, WB23, WB24, WB25, WB26, UP91 HAMIRPUR UP East UP54 MAU KUBER UP East
WB96, WB98 UP92 JALAUN UP East UP55 SIDDHARTHNAGAR UP East
Pune MH12, MH14, MH53, MH54 UP94 LALITAPUR UP East UP56 MAHARAJGANJ UP East
Ludhiana PB10, PB43, PB55, PB56, PB75, PB91 UP95 MAHOBA UP East UP57 PADRAUNA UP East
UP28 AYODHYA UP East UP58 SANT KABIR NAGAR UP East
UP30 HARDOI UP East UP60 BALLIA UP East
UP31 KHERI UP East UP61 GHAZIPUR UP East
UP33 RAE BARELI UP East UP62 JAUNPUR UP East
Digit SATP RTOs UP34 SITAPUR UP East UP63 MIRZAPUR UP East
Mysore, Mangalore, Udupi, Shimoga KA09, KA12, KA19, KA20, KA42, KA43, KA45, KA55 UP40 BAHRAICH UP East UP64 SONBADRA UP East
UP41 BARABANKI UP East UP65 VARANASI UP East
UA07, UA08, UK07, UK08, UK14, UK15, UK16, UK17, UP07,
UK-Dehradun,Haridwar,Rishikesh,Roorkee UP42 FAIZABAD UP East UP66 BHADOHI UP East
UP11
UP43 GONDA UP East UP67 CHANDAULI UP East
UP44 SULTANPUR UP East UP69 BALLIA UP East
UP45 AMBEDKAR NAGAR UP East UP70 ALLAHABAD UP East
UP46 BHINGA UP East UP72 PRATAPGARH UP East
UP47 BALRAMPUR UP East UP73 MANJHANPUR UP East
UP50 AZAMGARH UP East UP74 KANNAUJ UP East
UP51 BASTI UP East UP76 FARRUKHABAD UP East
UP52 DEORIA UP East UP90 BANDA UP East
UP29 LUCKNOW Lucknow UP96 CHITRAKOOT UP East
UP32 LUCKNOW Lucknow UP77 KANPUR RURAL Kanpur
UP36 LUCKNOW Lucknow UP78 KANPUR Kanpur