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	87.39	75.13	12.08
5yr CAGR Net Profit	5.88 %	5.89 %	72.1 %
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 Bancassurance 54.0 Corporate Agents - Others 0 Web Aggregators 0 Agency 21.0 Individual Agents 0 Group Savings 0 Group Premium 0 Direct Business 0 Corporate Agents - Banks 0 Others 25.0	Distribution Channel Bancassurance 0 Corporate Agents - Others 0.12 Web Aggregators 0.76 Agency 0 Individual Agents 93.8 Group Savings 0 Group Premium 0 Direct Business 2.2 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 Approved Securities 34.83 Infrastructure Investment Fund 0 Fixed Deposits 0 Investments In Infrastructure 0 CBLO/Repo Investments 0 Other than Approved Securities 0 Equity 0 Other than Approved Investments 0 Investment Property 0 Investments in Infrastructure and Social Sector 15.1 0 Debenture 0 Other Investments 0 Deep Discount Bonds 0 Government Securities & Treasury Bills 0 Government securities 0 Mutual Fund 0 Government securities 49.65 Others 0.42	Investment Break-Up Other Approved Securities 0.12 Infrastructure Investment Fund 0 Fixed Deposits 0 Investments In Infrastructure 8.09 CBLO/Repo Investments 0 Other than Approved Securities 0.92 Equity 0 Other than Approved Investments 0 Investment Property 0 0 0 Debenture 0 Other Investments 29.38 Deep Discount Bonds 0 Government Securities & Treasury Bills 61.49 Government securities 0 Mutual Fund 0 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 Unit Linked 58.23 Term 0 Protection 0 Annuity 0 Participating 8.29 Non-Participating 0 Group Savings 0 Unit linked(UL) 0 Non participating 33.48	-

HDFC Life Insurance Company Ltd.

HDFC Life Insurance Company Ltd.

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