New Delhi, May 27 -- Despite financial services being categorized as an essential service, the HDFC Life Insurance Co. Ltd management decided to let all its employees work from home during the nationwide lockdown.

As the government eased restrictions, the insurer is gradually opening its branches, though its headquarters in a Mumbai red zone remains shut. As of now, 236 out of the 421 branches are open. In offices that seat a large number of employees, the company has only half or one-third of employees at work.

"We are ensuring that there is no overlap between shifts. One shift is about five hours. So, if one team goes down because of a covid-19 positive case, then at least the other team can continue to function," said Vibha Padalkar,...