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	776876.0 Crs
Value Of New Business Margin (VNB)	25.6 %	27.8 %	17.6 %
Management Expense Ratio - Life Insurance	20.2 %	9.67 %	11.15 %
61 Month Persistency Ratio	57.8 %	63.3 %	58.54 %
13 Month Persistency Ratio	81.9 %	86.1 %	68.62 %
Commission Ratio - Life Insurance	11.2 %	4.9 %	5.21 %
AUM - Life Insurance	336282.0 Crs	448040.0 Crs	5452297.0 Crs
New Business Performance - Life Insurance	3022.71 Crs	2950.72 Crs	18405.05 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	89.53	72.85	12.28
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 Reinsurance 0 Others 0.01	-	-
Location Wise Break-Up	Location Wise Break-Up Domestic 100.0 India 0	Location Wise Break-Up Domestic 0 India 100.0	Location Wise Break-Up Domestic 0 India 100.0
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 Agency 21.0 Web Aggregators 0 Corporate Agents - Others 0 Group Savings 0 Individual Agents 0 Corporate Agents - Banks 0 Group Premium 0 Bancassurance 54.0 Direct Business 0 Others 25.0	Distribution Channel Agency 0 Web Aggregators 0.76 Corporate Agents - Others 0.12 Group Savings 0 Individual Agents 93.8 Corporate Agents - Banks 3.12 Group Premium 0 Bancassurance 0 Direct Business 2.2
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 Government securities 0 Other Approved Securities 34.83 CBLO/Repo Investments 0 Government securities 49.65 Mutual Fund 0 Fixed Deposits 0 Other Investments 0 Debenture 0 Investments In Infrastructure 0 Investment Property 0 Investments in Infrastructure and Social Sector 15.1 Other than Approved Securities 0 Other than Approved Investments 0 Equity 0 Infrastructure Investment Fund 0 0 Government Securities & Treasury Bills 0 Deep Discount Bonds 0 Others 0.42	Investment Break-Up Government securities 0 Other Approved Securities 0.12 CBLO/Repo Investments 0 0 Mutual Fund 0 Fixed Deposits 0 Other Investments 29.38 Debenture 0 Investments In Infrastructure 8.09 Investment Property 0 0 Other than Approved Securities 0.92 Other than Approved Investments 0 Equity 0 Infrastructure Investment Fund 0 0 Government Securities & Treasury Bills 61.49 Deep Discount Bonds 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 Non participating 33.48 Participating 8.29 Group Savings 0 Term 0 Protection 0 Unit linked(UL) 0 Unit Linked 58.23 Non-Participating 0 Annuity 0	-

HDFC Life Insurance Company Ltd.

HDFC Life Insurance Company Ltd.

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