HDFC Life Insurance Company Ltd.

Financial

	HDFC Life Insurance	SBI Life Insuran	Life Insurance Corp
Operational Metrics
Life Insurance Sector
Embedded Value	58355.0 Crs	70250.0 Crs	776876.0 Crs
Value Of New Business Margin (VNB)	25.1 %	27.8 %	17.6 %
Management Expense Ratio - Life Insurance	20.2 %	9.67 %	11.15 %
61 Month Persistency Ratio	64.0 %	63.3 %	58.54 %
13 Month Persistency Ratio	86.0 %	86.1 %	68.62 %
Commission Ratio - Life Insurance	11.2 %	4.9 %	5.21 %
AUM - Life Insurance	355897.0 Crs	448040.0 Crs	5452297.0 Crs
New Business Performance - Life Insurance	2523.36 Crs	2620.37 Crs	27395.0 Crs
Claim Settlement Ratio	99.8 %	99.4 %	99.41 %
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	84.98	72.26	0.0
5yr CAGR Net Profit	5.88 %	5.89 %	74.64 %
Shareholdings
Promoter Holding	50.28 %	55.37 %	96.5 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.24 %	-0.11 %	0.0
Change in Mutual Fund Holding (3 Yrs)	6.96 %	2.65 %	0.5 %

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 Reinsurance 0 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 Group Savings 0 Direct Business 0 Agency 21.0 Individual Agents 0 Web Aggregators 0 Corporate Agents - Others 0 Group Premium 0 Bancassurance 54.0 Corporate Agents - Banks 0 Others 25.0	Distribution Channel Group Savings 0 Direct Business 2.2 Agency 0 Individual Agents 93.8 Web Aggregators 0.76 Corporate Agents - Others 0.12 Group Premium 0 Bancassurance 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 Government securities 49.65 Investments in Infrastructure and Social Sector 15.1 Other Approved Securities 34.83 Government securities 0 Investments In Infrastructure 0 Other than Approved Investments 0 Deep Discount Bonds 0 Mutual Fund 0 Investment Property 0 Infrastructure Investment Fund 0 Government Securities & Treasury Bills 0 0 Equity 0 Debenture 0 Other than Approved Securities 0 Other Investments 0 CBLO/Repo Investments 0 Fixed Deposits 0 Others 0.42	Investment Break-Up 0 0 Other Approved Securities 0.12 Government securities 0 Investments In Infrastructure 8.09 Other than Approved Investments 0 Deep Discount Bonds 0 Mutual Fund 0 Investment Property 0 Infrastructure Investment Fund 0 Government Securities & Treasury Bills 61.49 0 Equity 0 Debenture 0 Other than Approved Securities 0.92 Other Investments 29.38 CBLO/Repo Investments 0 Fixed Deposits 0
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 Group Savings 0 Unit Linked 58.23 Annuity 0 Non participating 33.48 Term 0 Non-Participating 0 Participating 8.29 Unit linked(UL) 0 Protection 0	-

HDFC Life Insurance Company Ltd.

HDFC Life Insurance Company Ltd.

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