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	61840.0 Crs	821716.0 Crs
Value Of New Business Margin (VNB)	24.6 %	26.9 %	17.1 %
Management Expense Ratio - Life Insurance	20.87 %	10.57 %	13.47 %
61 Month Persistency Ratio	60.0 %	63.3 %	59.69 %
13 Month Persistency Ratio	88.0 %	86.1 %	68.61 %
Commission Ratio - Life Insurance	10.94 %	4.9 %	5.57 %
AUM - Life Insurance	324940.0 Crs	441680.0 Crs	5477651.0 Crs
New Business Performance - Life Insurance	3011.44 Crs	3275.26 Crs	16292.67 Crs
Claim Settlement Ratio	99.7 %	99.17 %	98.66 %
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	76.75	62.15	11.48
5yr CAGR Net Profit	3.94 %	5.89 %	72.1 %
Shareholdings
Promoter Holding	50.32 %	55.38 %	96.51 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.45 %	-0.31 %	0.01 %
Change in Mutual Fund Holding (3 Yrs)	6.75 %	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 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 Bancassurance 51.0 Direct Business 0 Corporate Agents - Others 0 Individual Agents 0 Group Savings 0 Agency 21.0 Group Premium 0 Corporate Agents - Banks 0 Others 28.0	Distribution Channel Web Aggregators 0.76 Bancassurance 0 Direct Business 2.2 Corporate Agents - Others 0.12 Individual Agents 93.8 Group Savings 0 Agency 0 Group Premium 0 Corporate Agents - Banks 3.12
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 Mutual Fund 0 Other Investments 0 Other than Approved Investments 0 Deep Discount Bonds 0 CBLO/Repo Investments 0 Investments In Infrastructure 0 Infrastructure Investment Fund 0 Investments in Infrastructure and Social Sector 1.8 Government Securities & Treasury Bills 0 Debenture 0 Investment Property 0 Other Approved Securities 46.12 0 Government securities 0 Government securities 52.08 Fixed Deposits 0 Equity 0	Investment Break-Up Other than Approved Securities 1.12 Mutual Fund 0 Other Investments 30.53 Other than Approved Investments 0 Deep Discount Bonds 0 CBLO/Repo Investments 0 Investments In Infrastructure 8.06 Infrastructure Investment Fund 0 0 Government Securities & Treasury Bills 59.39 Debenture 0 Investment Property 0 Other Approved Securities 0.22 0 Government securities 0 0 Fixed Deposits 0 Equity 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 Unit Linked 47.18 Unit linked(UL) 0 Group Savings 0 Non participating 44.45 Protection 0 Annuity 0 Non-Participating 0 Participating 8.37	-

HDFC Life Insurance Company Ltd.

HDFC Life Insurance Company Ltd.

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