Life Insurance Corporation of India

Financial

	Life Insurance Corp	HDFC Life Insurance	SBI Life Insuran
Operational Metrics
Life Insurance Sector
Embedded Value	662605.0 Crs	47468.0 Crs	51260.0 Crs
Value Of New Business Margin (VNB)	14.6 %	26.3 %	28.1 %
Management Expense Ratio - Life Insurance	15.52 %	19.45 %	9.74 %
13 Month Persistency Ratio	70.89 %	83.4 %	85.3 %
61 Month Persistency Ratio	56.16 %	51.1 %	58.1 %
Commission Ratio - Life Insurance	5.86 %	8.02 %	4.8 %
AUM - Life Insurance	4743389.0 Crs	292220.0 Crs	388920.0 Crs
New Business Performance - Life Insurance	12383.64 Crs	1575.17 Crs	1688.41 Crs
Claim Settlement Ratio	96.1 %	99.7 %	98.39 %
Financials
5 yr Average ROE	0.0	0.0	0.0
5yr average Equity Multiplier	n/a	n/a	n/a
5yr Average Asset Turnover Ratio	n/a	n/a	n/a
5yr Avg Net Profit Margin	n/a	n/a	n/a
P/E	14.6	76.76	75.79
5yr CAGR Net Profit	68.79 %	1.38 %	5.34 %
Shareholdings
Promoter Holding	96.5 %	50.37 %	55.42 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-8.49 %	-0.28 %
Change in Mutual Fund Holding (3 Yrs)	-0.06 %	1.49 %	6.44 %

Business

	Life Insurance Corp	HDFC Life Insurance	SBI Life Insuran
Product Wise Break-Up	Product Wise Break-Up Life Insurance 68.58 Pension Business 27.26 Annuity Business 3.07 Health Business 0.06 Variable Business 0 Annuity 0 Variable Insurance 0 Pension 0 Life 0 Others 1.03	-	Product Wise Break-Up Pension Business 0 Life Insurance 0 Variable Business 0 Variable Insurance 0.23 Pension 18.06 Annuity 7.04 Health Business 0 Annuity Business 0 Life 74.65 Others 0.02
Location Wise Break-Up	Location Wise Break-Up India 100.0 Domestic 0	Location Wise Break-Up India 0 Domestic 100.0	Location Wise Break-Up India 100.0 Domestic 0
Distribution Channel	Distribution Channel Individual Agents 93.8 Corporate Agents - Banks 3.12 Direct Business 2.2 Web Aggregators 0.76 Corporate Agents - Others 0.12 Group Savings 0 Group Protection 0 Bancassurance & Broker 0 Agency & Direct 0 Agency 0 Bancassurance 0	Distribution Channel Bancassurance 0 Corporate Agents - Others 0 Agency 0 Individual Agents 0 Corporate Agents - Banks 0 Web Aggregators 0 Group Premium 11.0 Group Savings 13.0 Direct Business 0 Agency 20.0 Bancassurance 56.0	Distribution Channel Bancassurance 52.0 Corporate Agents - Others 0 Agency 18.0 Individual Agents 0 Corporate Agents - Banks 0 Web Aggregators 0 Group Protection 0 Group Savings 0 Direct Business 0 Agency & Direct 0 Bancassurance & Broker 0 Others 30.0
Investment Break-Up	Investment Break-Up Government Securities & Treasury Bills 63.18 Other Investments 27.45 Investments In Infrastructure 7.02 Other than Approved Securities 1.7 Other Approved Securities 0.64 Infrastructure Investment Fund 0 Deep Discount Bonds 0 CBLO/Repo Investments 0 Other than Approved Investments 0 Investment Properties - Real Estate 0 Mutual Funds 0 Fixed Deposit 0 Debentures / Bonds 0 Equity 0 0 0 0 0 Others 0.01	Investment Break-Up Mutual Fund 0.15 Other than Approved Securities 0 Investments in Infrastructure and Social Sector 12.77 Government securities 53.06 Other than Approved Investments 1.65 Equity 7.92 Other Approved Securities 0 Other Investments 0 Debenture 6.31 Investment Property 0.49 CBLO/Repo Investments 2.51 Investments In Infrastructure 0 Government Securities & Treasury Bills 0 Infrastructure Investment Fund 0 0 Fixed Deposits 0.32 0 Deep Discount Bonds 0.36 Others 14.46	Investment Break-Up Mutual Funds 0 Other than Approved Securities 0 0 0 Other than Approved Investments 0 Equity 0 Other Approved Securities 32.54 Other Investments 0 Debentures / Bonds 0 Investment Properties - Real Estate 0 CBLO/Repo Investments 0 Investments In Infrastructure 0 Government Securities & Treasury Bills 0 Infrastructure Investment Fund 0 Investments in Infrastructure and Social Sector 15.99 Fixed Deposit 0 Government securities 51.47 Deep Discount Bonds 0
Premium Break-Up	Premium Break-Up North India 27.68 South India 26.58 West India 25.85 East India 19.89	-	-

Life Insurance Corporation of India

Life Insurance Corporation of India

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