HDFC ERGO General Insurance Company is a is a 74:26 joint venture between HDFC India's housing finance pioneer and Germany's ERGO. HDFC is India's premier financial institutions with a distribution network of 250 branches and 90 outreach programme centres across the country. Today, with assets worth more than Rs 80,000 crores, a customer base of 32 lakhs and AAA rating for 13 consecutive years, the Group has expanded into banking, insurance (Life and General), asset management and property venture funds. ERGO is the primary insurance entity of Munich Re Group, one of the world's largest risk carriers and the leader in health and legal protection insurance in Europe. Its investments total to over _100 billion.