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	2441.74 Crs	2575.18 Crs	11751.11 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	79.4	64.21	13.81
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 Direct Business 0 Group Savings 0 Agency 21.0 Corporate Agents - Others 0 Corporate Agents - Banks 0 Web Aggregators 0 Bancassurance 51.0 Individual Agents 0 Group Premium 0 Others 28.0	Distribution Channel Direct Business 2.2 Group Savings 0 Agency 0 Corporate Agents - Others 0.12 Corporate Agents - Banks 3.12 Web Aggregators 0.76 Bancassurance 0 Individual Agents 93.8 Group Premium 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 Investment Property 0 Infrastructure Investment Fund 0 Mutual Fund 0 Other than Approved Investments 0 Government securities 52.08 Fixed Deposits 0 0 Government Securities & Treasury Bills 0 Other Investments 0 Deep Discount Bonds 0 Other Approved Securities 46.12 CBLO/Repo Investments 0 Equity 0 Other than Approved Securities 0 Government securities 0 Investments in Infrastructure and Social Sector 1.8 Investments In Infrastructure 0 Debenture 0	Investment Break-Up Investment Property 0 Infrastructure Investment Fund 0 Mutual Fund 0 Other than Approved Investments 0 0 Fixed Deposits 0 0 Government Securities & Treasury Bills 59.39 Other Investments 30.53 Deep Discount Bonds 0 Other Approved Securities 0.22 CBLO/Repo Investments 0 Equity 0 Other than Approved Securities 1.12 Government securities 0 0 Investments In Infrastructure 8.06 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 Unit Linked 47.18 Non participating 44.45 Group Savings 0 Term 0 Annuity 0 Unit linked(UL) 0 Non-Participating 0 Participating 8.37 Protection 0	-

HDFC Life Insurance Company Ltd.

HDFC Life Insurance Company Ltd.

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