HDFC Life Insurance Company Ltd.

Financial

	HDFC Life Insurance	SBI Life Insuran	Life Insurance Corp
Operational Metrics
Life Insurance Sector
Embedded Value	47468.0 Crs	51260.0 Crs	727344.0 Crs
Value Of New Business Margin (VNB)	26.3 %	28.1 %	16.8 %
Management Expense Ratio - Life Insurance	19.45 %	9.74 %	16.2 %
61 Month Persistency Ratio	51.1 %	58.1 %	54.48 %
13 Month Persistency Ratio	83.4 %	85.3 %	71.86 %
Commission Ratio - Life Insurance	8.02 %	4.8 %	5.41 %
AUM - Life Insurance	292220.0 Crs	388920.0 Crs	5121887.0 Crs
New Business Performance - Life Insurance	2270.88 Crs	2354.33 Crs	16690.39 Crs
Claim Settlement Ratio	99.7 %	98.39 %	98.15 %
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	79.22	79.03	15.23
5yr CAGR Net Profit	3.94 %	5.34 %	68.79 %
Shareholdings
Promoter Holding	50.37 %	55.42 %	96.5 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-8.49 %	-0.28 %	0.0
Change in Mutual Fund Holding (3 Yrs)	1.49 %	6.44 %	-0.06 %

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 India 100.0 Domestic 0	Location Wise Break-Up India 100.0 Domestic 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 Bancassurance 52.0 Corporate Agents - Others 0 Group Savings 0 Corporate Agents - Banks 0 Web Aggregators 0 Agency 18.0 Group Premium 0 Direct Business 0 Individual Agents 0 Others 30.0	Distribution Channel Bancassurance 0 Corporate Agents - Others 0.12 Group Savings 0 Corporate Agents - Banks 3.12 Web Aggregators 0.76 Agency 0 Group Premium 0 Direct Business 2.2 Individual Agents 93.8
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 than Approved Securities 0 Investments in Infrastructure and Social Sector 15.99 Government Securities & Treasury Bills 0 Infrastructure Investment Fund 0 Government securities 0 Other Investments 0 Mutual Fund 0 Other than Approved Investments 0 0 Other Approved Securities 32.54 Investments In Infrastructure 0 CBLO/Repo Investments 0 Investment Property 0 Debenture 0 Deep Discount Bonds 0 Government securities 51.47 Fixed Deposits 0 Equity 0	Investment Break-Up Other than Approved Securities 1.58 0 Government Securities & Treasury Bills 62.76 Infrastructure Investment Fund 0 Government securities 0 Other Investments 0.04 Mutual Fund 0 Other than Approved Investments 0 0 Other Approved Securities 0.26 Investments In Infrastructure 7.52 CBLO/Repo Investments 0 Investment Property 0 Debenture 0 Deep Discount Bonds 0 0 Fixed Deposits 0 Equity 0 Others 27.84
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 Non participating 32.57 Participating 8.28 Group Savings 0 Term 0 Unit linked(UL) 0 Unit Linked 59.15 Annuity 0 Non-Participating 0 Protection 0	-

HDFC Life Insurance Company Ltd.

HDFC Life Insurance Company Ltd.

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