Life Insurance Corporation of India

Financial

	Life Insurance Corp	HDFC Life Insurance	SBI Life Insuran
Operational Metrics
Life Insurance Sector
Embedded Value	776876.0 Crs	58355.0 Crs	70250.0 Crs
Value Of New Business Margin (VNB)	17.6 %	25.1 %	27.8 %
Management Expense Ratio - Life Insurance	11.15 %	20.2 %	9.67 %
13 Month Persistency Ratio	68.62 %	86.0 %	86.1 %
61 Month Persistency Ratio	58.54 %	64.0 %	63.3 %
Commission Ratio - Life Insurance	5.21 %	11.2 %	4.9 %
AUM - Life Insurance	5452297.0 Crs	355897.0 Crs	448040.0 Crs
New Business Performance - Life Insurance	27395.0 Crs	2523.36 Crs	2620.37 Crs
Claim Settlement Ratio	99.41 %	99.8 %	99.4 %
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	12.08	87.39	75.13
5yr CAGR Net Profit	72.1 %	5.88 %	5.89 %
Shareholdings
Promoter Holding	96.5 %	50.28 %	55.37 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-1.24 %	-0.11 %
Change in Mutual Fund Holding (3 Yrs)	0.5 %	6.96 %	2.65 %

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 Health Business 0 Annuity 5.55 Variable Insurance 0.04 Variable Business 0 Annuity Business 0 Life Insurance 0 Pension 15.47 Pension Business 0 Life 78.92 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 Corporate Agents - Banks 0 Group Premium 11.0 Group Savings 13.0 Bancassurance 56.0 Bancassurance 0 Web Aggregators 0 Individual Agents 0 Agency 0 Corporate Agents - Others 0 Agency 20.0	Distribution Channel Direct Business 0 Corporate Agents - Banks 0 Group Protection 0 Group Savings 0 Bancassurance & Broker 0 Bancassurance 54.0 Web Aggregators 0 Individual Agents 0 Agency 21.0 Corporate Agents - Others 0 Agency & Direct 0 Others 25.0
Investment Break-Up	Investment Break-Up Government Securities & Treasury Bills 61.49 Other Investments 29.38 Investments In Infrastructure 8.09 Other than Approved Securities 0.92 Other Approved Securities 0.12 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 Other than Approved Investments 1.65 Investment Property 0.49 Infrastructure Investment Fund 0 Deep Discount Bonds 0.36 Investments in Infrastructure and Social Sector 12.77 0 0 Equity 7.92 CBLO/Repo Investments 2.51 Other than Approved Securities 0 Fixed Deposits 0.32 Government securities 53.06 Other Approved Securities 0 Other Investments 0 Government Securities & Treasury Bills 0 Investments In Infrastructure 0 Debenture 6.31 Mutual Fund 0.15 Others 14.46	Investment Break-Up Other than Approved Investments 0 Investment Properties - Real Estate 0 Infrastructure Investment Fund 0 Deep Discount Bonds 0 0 Investments in Infrastructure and Social Sector 15.1 Government securities 49.65 Equity 0 CBLO/Repo Investments 0 Other than Approved Securities 0 Fixed Deposit 0 0 Other Approved Securities 34.83 Other Investments 0 Government Securities & Treasury Bills 0 Investments In Infrastructure 0 Debentures / Bonds 0 Mutual Funds 0 Others 0.42
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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