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Dear Policyholder,

Equity markets witnessed a rebound in November (up 5%) on optimism around a trade deal between US & China, sharp decline in crude prices and appreciation of USD-INR. The 30% fall in crude prices (from US$ 86/ barrel in beginning October 2018 to below US$ 60/ barrel end November 2018) is extremely positive for the Indian economy. It has single handedly dispersed the dark clouds of challenging macroeconomic environment. Consequent to the crude oil correction, the INR also strengthened 6.5% (from Rs74.4/USD in beginning October 2018 to Rs 69.6/USD end November 2018) bringing relief.

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