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	55423.0 Crs	61840.0 Crs
Value Of New Business Margin (VNB)	17.1 %	25.6 %	26.9 %
Management Expense Ratio - Life Insurance	13.47 %	20.2 %	10.57 %
13 Month Persistency Ratio	68.61 %	81.9 %	86.1 %
61 Month Persistency Ratio	59.69 %	57.8 %	63.3 %
Commission Ratio - Life Insurance	5.57 %	11.2 %	4.9 %
AUM - Life Insurance	5477651.0 Crs	336282.0 Crs	441680.0 Crs
New Business Performance - Life Insurance	15513.95 Crs	3213.76 Crs	2174.53 Crs
Claim Settlement Ratio	98.66 %	99.8 %	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	12.05	84.31	67.16
5yr CAGR Net Profit	72.1 %	3.94 %	5.89 %
Shareholdings
Promoter Holding	96.5 %	50.32 %	55.38 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-1.21 %	-0.1 %
Change in Mutual Fund Holding (3 Yrs)	0.39 %	5.67 %	3.13 %

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 Business 0 Pension 14.94 Life Insurance 0 Variable Insurance 0.05 Annuity 6.03 Health Business 0 Annuity Business 0 Life 78.96 Pension 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 Corporate Agents - Others 0 Corporate Agents - Banks 0 Group Savings 13.0 Agency 20.0 Group Premium 11.0 Bancassurance 56.0 Bancassurance 0 Web Aggregators 0 Agency 0 Direct Business 0 Individual Agents 0	Distribution Channel Corporate Agents - Others 0 Corporate Agents - Banks 0 Group Savings 0 Agency & Direct 0 Group Protection 0 Bancassurance & Broker 0 Bancassurance 56.0 Web Aggregators 0 Agency 21.0 Direct Business 0 Individual Agents 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 Mutual Fund 0.15 Debenture 6.31 CBLO/Repo Investments 2.51 Deep Discount Bonds 0.36 Other than Approved Investments 1.65 Other Investments 0 Other than Approved Securities 0 Fixed Deposits 0.32 Investments in Infrastructure and Social Sector 12.77 Government Securities & Treasury Bills 0 Infrastructure Investment Fund 0 0 Government securities 53.06 Equity 7.92 Investments In Infrastructure 0 0 Investment Property 0.49 Other Approved Securities 0 Others 14.46	Investment Break-Up Mutual Funds 0 Debentures / Bonds 0 CBLO/Repo Investments 0 Deep Discount Bonds 0 Other than Approved Investments 0 Other Investments 0 Other than Approved Securities 0 Fixed Deposit 0 0 Government Securities & Treasury Bills 0 Infrastructure Investment Fund 0 Government securities 49.5 0 Equity 0 Investments In Infrastructure 0 Investments in Infrastructure and Social Sector 15.31 Investment Properties - Real Estate 0 Other Approved Securities 35.18 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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