The USD 3 billion Murugappa Group is today one of the country's biggest industrial houses.

The Group's business philosophy is inspired by this couplet from the ancient Indian treatise on wealth creation and governance, the Arthashastra:

The Mitsui Sumitomo Insurance Group (MSIG) is one of the most innovative and forward thinking insurers in the market today. It is the largest Insurance Group in Japan, with a Net Written Premium (NWP) of 12.64 billion USD in 2008.

The Company is the 5th largest insurance group globally and has 63 sales bases across 39 countries. MSIG is highly acknowledged for its proven expertise in Property and Marine risks. It has been listed as 10th amongst the World’s Most Admired Property & Casualty Insurance Companies across the world by the prestigious Forbes magazine.

It was awarded the “General Insurance Company of the Year” Award in 2005 at the 9th Asia Insurance Industry Award ceremony held in Singapore.

Cholamandalam MS Vision

“We bring peace of mind to our clients through protection from financial risks”

	Hassle-free acceptance of proposal, issuance of policy, processing of endorsements and renewals
	Settlement of valid claims with empathy
	Strong commitment to customer service
	Advising risk management practices and techniques resulting in minimizing claims
	In short, our vision is to help our clients lead happy wholesome lives and at the same time be by their side to provide financial support in their hour of need.

	Our value system revolves around being an ever-evolving organization, dedicated to bringing quality into the lives of our consumers as well as enriching our employees, by providing opportunities for their growth and development in a healthy, respectable atmosphere.
	We will be a customer-centric organization
	We will be known to be ethical, fair and transparent
	We will strive to be innovative and responsive in all that we do
	We will continually seek avenues of profitable growth
	We will ensure a congenial and empowered work environment to our employees while providing opportunities for their learning, teamwork and growth

The energetic and vibrant family of 700 Cholamandalam MS employees across the country are responsible for the smooth and successful running of the organisation.

This dynamic team is spearheaded by Mr. S S Gopalarathnam, Managing Director and his distinguished team

Yu Kitai – Whole time Director

Shivakumar Shankar – Senior Vice President (Retail Insurance)

M Subramanian – Senior Vice President (Commercial Insurance)

V Suryanarayanan – Senior Vice President (Finance)

R Chandrasekaran – Senior Vice President (Underwriting & Reinsurance)

Sundar V – Vice President (IT)

Raymund Lobo – Vice President (HR)

R Suresh – Vice President – Claims

A Prabhakaran – Vice President (Operations)

Together, we strive – in search of newer heights and greater accomplishments.

Cholamandalam MS Risk Services , our group company, offers consultancy in the area of risk identification, assessment and suggesting risk control and mitigation measures alongside the Insurance support services. Chola MS Risk has successfully executed over 1350 consulting assignments across 35 sectors (from Oil and Gas to Telecom) in India & abroad, and is accredited as the only Risk Management Company in Asia to be recognised by oil giants. Chola MS Risk Services also pioneered the use of thermal imaging for electrical hot spot identification in India.

Cholamandalam MS Risk Services’ expertise can be broadly classified into the following categories:
• Electrical Risk Management
• Industrial Safety Management
• Process Risk Management
• Environmental Risk Management
• Insurance Support Services

Cholamandalam MS uses the support of Chola MS Risk Services in offering a unique combination of efficient insurance services and innovative risk management consultancy to our customers thereby offering Total Risk Management solutions. This ensures long term business continuity for our corporate customers.

Cholamandalam MS General Insurance Company Ltd. is a Joint Venture between the USD 3 billion Murugappa Group, one of India’s leading business conglomerates and Mitsui Sumitomo Insurance Company Limited, which is part of the Mitsui Sumitomo Insurance Group of Japan, the largest General Insurance Company in Japan and 5th largest insurance group globally.

Chola MS offers a wide range of products that include Accident, Engineering, Health, Liability and Marine, Motor, Property, Travel and Rural insurance for individuals, SME’s and the corporate sector.

We have achieved Rs. 785 crores Gross Written Premium (GWP) mark for 2009-10. Having posted a remarkable growth of 15% year-on-year, we have been one of the fastest growing General Insurance companies for the previous many quarters. We have a network of 108 branches across the country.

We offer well-integrated operational capabilities to ensure the smooth performance of delivery like strong underwriting, tie-ups with global reinsurers, fast-track claims settlement and cash-free settlement for Health Insurance. With exposure to various industry sectors and services, Chola MS is fully equipped to provide world class customer service such as centralized policy issuance, renewal management through CRM Cell. A toll free helpline number accessible 24 X 7 X 365, and a completely interactive and user-friendly website which makes Chola SM accessible from anywhere in the world. Chola MS is also the first Private Insurance company in India to get the ISO 9001:2008 for the Motor Claims division.

Total Risk Management Solutions - Advantage Chola MS

We offer a unique combination of efficient insurance services and innovative risk management consultancy to our customers - Total Risk Management solutions. Our group company, Cholamandalam MS Risk Services offers consultancy in the area of risk identification, assessment and suggesting risk control and mitigation measures alongside the Insurance support services. This ensures long-term business continuity for all our corporate customers.
Adding another feather to our cap, Cholamandalam MS Risk Services has won the prestigious “Risk Manager of the Year 2007” at the 11th Asian Insurance Industry Awards.