HDFC Life Insurance Company Ltd.

Financial

	HDFC Life Insurance	SBI Life Insuran	Life Insurance Corp
Operational Metrics
Life Insurance Sector
Embedded Value	55423.0 Crs	70250.0 Crs	821716.0 Crs
Value Of New Business Margin (VNB)	25.6 %	27.8 %	17.1 %
Management Expense Ratio - Life Insurance	20.2 %	10.57 %	13.47 %
61 Month Persistency Ratio	57.8 %	63.3 %	59.69 %
13 Month Persistency Ratio	81.9 %	86.1 %	68.61 %
Commission Ratio - Life Insurance	11.2 %	4.9 %	5.57 %
AUM - Life Insurance	336282.0 Crs	448040.0 Crs	5477651.0 Crs
New Business Performance - Life Insurance	4875.53 Crs	3871.34 Crs	36907.33 Crs
Claim Settlement Ratio	99.8 %	99.4 %	98.66 %
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	84.93	71.79	11.76
5yr CAGR Net Profit	3.94 %	5.89 %	72.1 %
Shareholdings
Promoter Holding	50.32 %	55.38 %	96.5 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.21 %	-0.1 %	0.0
Change in Mutual Fund Holding (3 Yrs)	5.67 %	3.13 %	0.39 %

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 Group Savings 0 Agency 21.0 Corporate Agents - Others 0 Group Premium 0 Corporate Agents - Banks 0 Direct Business 0 Bancassurance 56.0 Individual Agents 0 Others 23.0	Distribution Channel Web Aggregators 0.76 Group Savings 0 Agency 0 Corporate Agents - Others 0.12 Group Premium 0 Corporate Agents - Banks 3.12 Direct Business 2.2 Bancassurance 0 Individual Agents 93.8
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 Investment Property 0 Mutual Fund 0 Deep Discount Bonds 0 Other than Approved Securities 0 Other Investments 0 Government securities 0 Investments in Infrastructure and Social Sector 15.31 Other than Approved Investments 0 Government securities 49.5 0 Government Securities & Treasury Bills 0 Infrastructure Investment Fund 0 Fixed Deposits 0 Other Approved Securities 35.18 Investments In Infrastructure 0 Equity 0 Debenture 0 CBLO/Repo Investments 0 Others 0.01	Investment Break-Up Investment Property 0 Mutual Fund 0 Deep Discount Bonds 0 Other than Approved Securities 0.89 Other Investments 29.61 Government securities 0 0 Other than Approved Investments 0 0 0 Government Securities & Treasury Bills 61.1 Infrastructure Investment Fund 0 Fixed Deposits 0 Other Approved Securities 0.16 Investments In Infrastructure 8.25 Equity 0 Debenture 0 CBLO/Repo Investments 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 Participating 9.3 Annuity 0 Unit Linked 56.68 Non-Participating 0 Protection 0 Non participating 34.02 Term 0 Unit linked(UL) 0	-

HDFC Life Insurance Company Ltd.

HDFC Life Insurance Company Ltd.

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