HDFC Life Insurance Company Ltd.

Financial

	HDFC Life Insurance	SBI Life Insuran	Life Insurance Corp
Operational Metrics
Life Insurance Sector
Embedded Value	52110.0 Crs	51260.0 Crs	821716.0 Crs
Value Of New Business Margin (VNB)	24.6 %	26.8 %	16.2 %
Management Expense Ratio - Life Insurance	20.87 %	10.57 %	13.57 %
61 Month Persistency Ratio	60.0 %	66.14 %	54.76 %
13 Month Persistency Ratio	88.0 %	84.16 %	68.17 %
Commission Ratio - Life Insurance	10.94 %	4.97 %	5.45 %
AUM - Life Insurance	324940.0 Crs	438950.0 Crs	5539516.0 Crs
New Business Performance - Life Insurance	2713.49 Crs	5307.98 Crs	13523.87 Crs
Claim Settlement Ratio	99.7 %	99.17 %	97.33 %
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	79.16	64.04	13.02
5yr CAGR Net Profit	3.94 %	5.89 %	72.1 %
Shareholdings
Promoter Holding	50.34 %	55.38 %	96.51 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.47 %	-0.31 %	0.01 %
Change in Mutual Fund Holding (3 Yrs)	5.98 %	3.39 %	0.38 %

Business

	HDFC Life Insurance	SBI Life Insuran	Life Insurance Corp
Segment Break-Up	Segment Break-Up Non Participating Funds 54.57 Participating Funds 23.58 Unit Linked Funds 21.84 Others 0.01	-	-
Location Wise Break-Up	Location Wise Break-Up Domestic 100.0 India 0	Location Wise Break-Up Domestic 0 India 100.0	Location Wise Break-Up Domestic 0 India 100.0
Distribution Channel	Distribution Channel Bancassurance 56.0 Agency 20.0 Group Savings 13.0 Group Premium 11.0 Agency 0 Bancassurance 0 Web Aggregators 0 Direct Business 0 Corporate Agents - Others 0 Corporate Agents - Banks 0 Individual Agents 0	Distribution Channel Direct Business 0 Individual Agents 0 Corporate Agents - Banks 0 Corporate Agents - Others 0 Group Premium 0 Agency 21.0 Bancassurance 51.0 Web Aggregators 0 Group Savings 0 Others 28.0	Distribution Channel Direct Business 2.2 Individual Agents 93.8 Corporate Agents - Banks 3.12 Corporate Agents - Others 0.12 Group Premium 0 Agency 0 Bancassurance 0 Web Aggregators 0.76 Group Savings 0
Investment Break-Up	Investment Break-Up Government securities 53.06 Investments in Infrastructure and Social Sector 12.77 Equity 7.92 Debenture 6.31 CBLO/Repo Investments 2.51 Other than Approved Investments 1.65 Investment Property 0.49 Deep Discount Bonds 0.36 Fixed Deposits 0.32 Mutual Fund 0.15 Infrastructure Investment Fund 0 Other Approved Securities 0 0 0 Other than Approved Securities 0 Investments In Infrastructure 0 Other Investments 0 Government Securities & Treasury Bills 0 Others 14.46	Investment Break-Up Other Investments 0 Investments in Infrastructure and Social Sector 1.8 Government securities 52.08 CBLO/Repo Investments 0 Equity 0 Other than Approved Investments 0 Investment Property 0 Other Approved Securities 46.12 Government securities 0 Deep Discount Bonds 0 Mutual Fund 0 Government Securities & Treasury Bills 0 Fixed Deposits 0 Investments In Infrastructure 0 Infrastructure Investment Fund 0 Other than Approved Securities 0 0 Debenture 0	Investment Break-Up Other Investments 30.53 0 0 CBLO/Repo Investments 0 Equity 0 Other than Approved Investments 0 Investment Property 0 Other Approved Securities 0.22 Government securities 0 Deep Discount Bonds 0 Mutual Fund 0 Government Securities & Treasury Bills 59.39 Fixed Deposits 0 Investments In Infrastructure 8.06 Infrastructure Investment Fund 0 Other than Approved Securities 1.12 0 Debenture 0 Others 0.68
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Protection 29.0 Annuity 20.0 Non-Participating 19.0 Group Savings 14.0 Participating 10.0 Unit linked(UL) 8.0 Term 0 Unit Linked 0 Non Participating 0	Premium Break-Up - Life Insurance Term 0 Participating 8.37 Unit Linked 47.18 Non participating 44.45 Unit linked(UL) 0 Annuity 0 Group Savings 0 Non-Participating 0 Protection 0	-

HDFC Life Insurance Company Ltd.

HDFC Life Insurance Company Ltd.

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