HDFC Life Insurance Company Ltd.

Financial

	HDFC Life Insurance	SBI Life Insuran	Life Insurance Corp
Operational Metrics
Life Insurance Sector
Embedded Value	47468.0 Crs	51260.0 Crs	662605.0 Crs
Value Of New Business Margin (VNB)	26.3 %	28.1 %	14.6 %
Management Expense Ratio - Life Insurance	19.45 %	9.74 %	15.52 %
61 Month Persistency Ratio	51.1 %	58.1 %	56.16 %
13 Month Persistency Ratio	83.4 %	85.3 %	70.89 %
Commission Ratio - Life Insurance	8.02 %	4.8 %	5.86 %
AUM - Life Insurance	292220.0 Crs	388920.0 Crs	4743389.0 Crs
New Business Performance - Life Insurance	1575.17 Crs	1688.41 Crs	12383.64 Crs
Claim Settlement Ratio	99.7 %	98.39 %	96.1 %
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	76.76	75.79	14.6
5yr CAGR Net Profit	1.38 %	5.34 %	68.79 %
Shareholdings
Promoter Holding	50.37 %	55.42 %	96.5 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-8.49 %	-0.28 %	0.0
Change in Mutual Fund Holding (3 Yrs)	1.49 %	6.44 %	-0.06 %

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 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 Web Aggregators 0 Direct Business 0 Corporate Agents - Banks 0 Group Savings 0 Individual Agents 0 Bancassurance 52.0 Agency 18.0 Group Premium 0 Corporate Agents - Others 0 Others 30.0	Distribution Channel Web Aggregators 0.76 Direct Business 2.2 Corporate Agents - Banks 3.12 Group Savings 0 Individual Agents 93.8 Bancassurance 0 Agency 0 Group Premium 0 Corporate Agents - Others 0.12
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 Investments In Infrastructure 0 Deep Discount Bonds 0 Other than Approved Investments 0 Investment Property 0 Government Securities & Treasury Bills 0 Government securities 0 Equity 0 Mutual Fund 0 Other Approved Securities 32.54 Other Investments 0 Infrastructure Investment Fund 0 Investments in Infrastructure and Social Sector 15.99 0 Fixed Deposits 0 Debenture 0 CBLO/Repo Investments 0 Other than Approved Securities 0 Government securities 51.47	Investment Break-Up Investments In Infrastructure 7.02 Deep Discount Bonds 0 Other than Approved Investments 0 Investment Property 0 Government Securities & Treasury Bills 63.18 Government securities 0 Equity 0 Mutual Fund 0 Other Approved Securities 0.64 Other Investments 27.45 Infrastructure Investment Fund 0 0 0 Fixed Deposits 0 Debenture 0 CBLO/Repo Investments 0 Other than Approved Securities 1.7 0 Others 0.01
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 Non-Participating 0 Non participating 32.57 Participating 8.28 Term 0 Group Savings 0 Protection 0 Unit Linked 59.15 Unit linked(UL) 0 Annuity 0	-

HDFC Life Insurance Company Ltd.

HDFC Life Insurance Company Ltd.

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