Life Insurance Corporation of India

Financial

	Life Insurance Corp	HDFC Life Insurance	SBI Life Insuran
Operational Metrics
Life Insurance Sector
Embedded Value	821716.0 Crs	52110.0 Crs	61840.0 Crs
Value Of New Business Margin (VNB)	17.1 %	24.6 %	26.9 %
Management Expense Ratio - Life Insurance	13.47 %	20.87 %	10.57 %
13 Month Persistency Ratio	68.61 %	88.0 %	86.1 %
61 Month Persistency Ratio	59.69 %	60.0 %	63.3 %
Commission Ratio - Life Insurance	5.57 %	10.94 %	4.9 %
AUM - Life Insurance	5477651.0 Crs	324940.0 Crs	441680.0 Crs
New Business Performance - Life Insurance	15513.95 Crs	3213.76 Crs	2174.53 Crs
Claim Settlement Ratio	98.66 %	99.7 %	99.17 %
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	11.75	84.48	64.36
5yr CAGR Net Profit	72.1 %	3.94 %	5.89 %
Shareholdings
Promoter Holding	96.51 %	50.32 %	55.38 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.01 %	-3.45 %	-0.31 %
Change in Mutual Fund Holding (3 Yrs)	0.38 %	6.75 %	3.39 %

Business

	Life Insurance Corp	HDFC Life Insurance	SBI Life Insuran
Product Wise Break-Up	Product Wise Break-Up Life Insurance 73.69 Pension Business 23.18 Annuity Business 3.13 Health Business 0 Variable Business 0 Annuity 0 Variable Insurance 0 Pension 0 Life 0	-	Product Wise Break-Up Variable Insurance 0.05 Health Business 0 Pension Business 0 Pension 14.94 Life 78.96 Annuity 6.03 Variable Business 0 Life Insurance 0 Annuity Business 0 Others 0.02
Location Wise Break-Up	Location Wise Break-Up India 100.0 Domestic 0	Location Wise Break-Up Domestic 100.0 India 0	Location Wise Break-Up Domestic 0 India 100.0
Distribution Channel	Distribution Channel Individual Agents 93.8 Corporate Agents - Banks 3.12 Direct Business 2.2 Web Aggregators 0.76 Corporate Agents - Others 0.12 Group Savings 0 Group Protection 0 Bancassurance & Broker 0 Agency & Direct 0 Agency 0 Bancassurance 0	Distribution Channel Group Savings 13.0 Bancassurance 56.0 Web Aggregators 0 Individual Agents 0 Direct Business 0 Group Premium 11.0 Agency 20.0 Corporate Agents - Others 0 Corporate Agents - Banks 0 Agency 0 Bancassurance 0	Distribution Channel Group Savings 0 Bancassurance & Broker 0 Web Aggregators 0 Individual Agents 0 Direct Business 0 Group Protection 0 Agency & Direct 0 Corporate Agents - Others 0 Corporate Agents - Banks 0 Agency 21.0 Bancassurance 56.0 Others 23.0
Investment Break-Up	Investment Break-Up Government Securities & Treasury Bills 61.1 Other Investments 29.61 Investments In Infrastructure 8.25 Other than Approved Securities 0.89 Other Approved Securities 0.16 Infrastructure Investment Fund 0 Deep Discount Bonds 0 CBLO/Repo Investments 0 Other than Approved Investments 0 Investment Properties - Real Estate 0 Mutual Funds 0 Fixed Deposit 0 Debentures / Bonds 0 Equity 0 0 0 0 0	Investment Break-Up Debenture 6.31 Other Approved Securities 0 Other than Approved Securities 0 Government Securities & Treasury Bills 0 Investment Property 0.49 Investments In Infrastructure 0 0 Government securities 53.06 Deep Discount Bonds 0.36 Infrastructure Investment Fund 0 Fixed Deposits 0.32 Equity 7.92 Other than Approved Investments 1.65 Other Investments 0 0 CBLO/Repo Investments 2.51 Mutual Fund 0.15 Investments in Infrastructure and Social Sector 12.77 Others 14.46	Investment Break-Up Debentures / Bonds 0 Other Approved Securities 35.18 Other than Approved Securities 0 Government Securities & Treasury Bills 0 Investment Properties - Real Estate 0 Investments In Infrastructure 0 Government securities 49.5 0 Deep Discount Bonds 0 Infrastructure Investment Fund 0 Fixed Deposit 0 Equity 0 Other than Approved Investments 0 Other Investments 0 Investments in Infrastructure and Social Sector 15.31 CBLO/Repo Investments 0 Mutual Funds 0 0 Others 0.01
Premium Break-Up	Premium Break-Up North India 27.68 South India 26.58 West India 25.85 East India 19.89	-	-

Life Insurance Corporation of India

Life Insurance Corporation of India

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