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	727344.0 Crs
Value Of New Business Margin (VNB)	24.6 %	26.8 %	16.8 %
Management Expense Ratio - Life Insurance	20.87 %	10.57 %	16.2 %
61 Month Persistency Ratio	60.0 %	66.14 %	54.48 %
13 Month Persistency Ratio	88.0 %	84.16 %	71.86 %
Commission Ratio - Life Insurance	10.94 %	4.97 %	5.41 %
AUM - Life Insurance	324940.0 Crs	438950.0 Crs	5121887.0 Crs
New Business Performance - Life Insurance	2799.15 Crs	2648.38 Crs	17131.09 Crs
Claim Settlement Ratio	99.7 %	99.17 %	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	88.24	71.76	13.84
5yr CAGR Net Profit	3.94 %	5.89 %	72.1 %
Shareholdings
Promoter Holding	50.34 %	55.39 %	96.5 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.47 %	-0.3 %	0.0
Change in Mutual Fund Holding (3 Yrs)	5.98 %	1.26 %	0.28 %

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 Web Aggregators 0 Group Savings 0 Direct Business 0 Agency 21.0 Corporate Agents - Others 0 Individual Agents 0 Group Premium 0 Corporate Agents - Banks 0 Bancassurance 51.0 Others 28.0	Distribution Channel Web Aggregators 0.76 Group Savings 0 Direct Business 2.2 Agency 0 Corporate Agents - Others 0.12 Individual Agents 93.8 Group Premium 0 Corporate Agents - Banks 3.12 Bancassurance 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 Equity 0 Fixed Deposits 0 Other than Approved Investments 0 Investments In Infrastructure 0 Deep Discount Bonds 0 Government securities 0 Investment Property 0 Other Approved Securities 46.12 0 Investments in Infrastructure and Social Sector 1.8 Other Investments 0 Government securities 52.08 Other than Approved Securities 0 Debenture 0 CBLO/Repo Investments 0 Mutual Fund 0 Government Securities & Treasury Bills 0 Infrastructure Investment Fund 0	Investment Break-Up Equity 0 Fixed Deposits 0 Other than Approved Investments 0 Investments In Infrastructure 8.06 Deep Discount Bonds 0 Government securities 0 Investment Property 0 Other Approved Securities 0.22 0 0 Other Investments 30.53 0 Other than Approved Securities 1.12 Debenture 0 CBLO/Repo Investments 0 Mutual Fund 0 Government Securities & Treasury Bills 59.39 Infrastructure Investment Fund 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 Unit linked(UL) 0 Group Savings 0 Non-Participating 0 Non participating 44.45 Term 0 Participating 8.37 Unit Linked 47.18 Protection 0 Annuity 0	-

HDFC Life Insurance Company Ltd.

HDFC Life Insurance Company Ltd.

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