Life Insurance Corporation of India

Financial

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

Business

	Life Insurance Corp	HDFC Life Insurance	SBI Life Insuran
Product Wise Break-Up	Product Wise Break-Up Life Insurance 68.58 Pension Business 27.26 Annuity Business 3.07 Health Business 0.06 Variable Business 0 Annuity 0 Variable Insurance 0 Pension 0 Life 0 Others 1.03	-	Product Wise Break-Up Annuity 7.04 Life 74.65 Health Business 0 Annuity Business 0 Life Insurance 0 Variable Business 0 Pension 18.06 Pension Business 0 Variable Insurance 0.23 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 Direct Business 0 Agency 0 Corporate Agents - Others 0 Web Aggregators 0 Group Savings 13.0 Group Premium 11.0 Agency 20.0 Bancassurance 56.0 Bancassurance 0 Individual Agents 0 Corporate Agents - Banks 0	Distribution Channel Direct Business 0 Agency 18.0 Corporate Agents - Others 0 Web Aggregators 0 Group Savings 0 Group Protection 0 Agency & Direct 0 Bancassurance & Broker 0 Bancassurance 52.0 Individual Agents 0 Corporate Agents - Banks 0 Others 30.0
Investment Break-Up	Investment Break-Up Government Securities & Treasury Bills 62.76 Investments In Infrastructure 7.52 Other than Approved Securities 1.58 Other Approved Securities 0.26 Other Investments 0.04 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 Others 27.84	Investment Break-Up Government Securities & Treasury Bills 0 Investment Property 0.49 Investments in Infrastructure and Social Sector 12.77 Other than Approved Securities 0 Mutual Fund 0.15 Fixed Deposits 0.32 Equity 7.92 Other than Approved Investments 1.65 Infrastructure Investment Fund 0 Debenture 6.31 CBLO/Repo Investments 2.51 Government securities 53.06 0 Deep Discount Bonds 0.36 0 Investments In Infrastructure 0 Other Approved Securities 0 Other Investments 0 Others 14.46	Investment Break-Up Government Securities & Treasury Bills 0 Investment Properties - Real Estate 0 0 Other than Approved Securities 0 Mutual Funds 0 Fixed Deposit 0 Equity 0 Other than Approved Investments 0 Infrastructure Investment Fund 0 Debentures / Bonds 0 CBLO/Repo Investments 0 0 Investments in Infrastructure and Social Sector 15.99 Deep Discount Bonds 0 Government securities 51.47 Investments In Infrastructure 0 Other Approved Securities 32.54 Other Investments 0
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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