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	70250.0 Crs
Value Of New Business Margin (VNB)	17.1 %	25.6 %	27.8 %
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	448040.0 Crs
New Business Performance - Life Insurance	36907.33 Crs	4875.53 Crs	3871.34 Crs
Claim Settlement Ratio	98.66 %	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	11.76	84.93	71.79
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 Health Business 0 Life 78.96 Annuity 6.03 Life Insurance 0 Variable Insurance 0.05 Variable Business 0 Pension 14.94 Annuity Business 0 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 Direct Business 0 Agency 0 Group Savings 13.0 Web Aggregators 0 Individual Agents 0 Corporate Agents - Banks 0 Group Premium 11.0 Bancassurance 56.0 Agency 20.0 Bancassurance 0 Corporate Agents - Others 0	Distribution Channel Direct Business 0 Agency 21.0 Group Savings 0 Web Aggregators 0 Individual Agents 0 Corporate Agents - Banks 0 Group Protection 0 Bancassurance & Broker 0 Agency & Direct 0 Bancassurance 56.0 Corporate Agents - Others 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 Investments in Infrastructure and Social Sector 12.77 Other Investments 0 Other than Approved Securities 0 Government securities 53.06 Other Approved Securities 0 Other than Approved Investments 1.65 0 0 Infrastructure Investment Fund 0 Investment Property 0.49 Government Securities & Treasury Bills 0 Fixed Deposits 0.32 Mutual Fund 0.15 Investments In Infrastructure 0 Equity 7.92 CBLO/Repo Investments 2.51 Debenture 6.31 Deep Discount Bonds 0.36 Others 14.46	Investment Break-Up 0 Other Investments 0 Other than Approved Securities 0 0 Other Approved Securities 35.18 Other than Approved Investments 0 Investments in Infrastructure and Social Sector 15.31 Government securities 49.5 Infrastructure Investment Fund 0 Investment Properties - Real Estate 0 Government Securities & Treasury Bills 0 Fixed Deposit 0 Mutual Funds 0 Investments In Infrastructure 0 Equity 0 CBLO/Repo Investments 0 Debentures / Bonds 0 Deep Discount Bonds 0 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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