HDFC Life Insurance Company Ltd.

Financial

	HDFC Life Insurance	SBI Life Insuran	Life Insurance Corp
Operational Metrics
Life Insurance Sector
Value Of New Business Margin (VNB)	26.3 %	28.1 %	16.8 %
Management Expense Ratio - Life Insurance	19.45 %	9.74 %	16.2 %
AUM - Life Insurance	292220.0 Crs	388920.0 Crs	5121887.0 Crs
Embedded Value	47468.0 Crs	51260.0 Crs	727344.0 Crs
61 Month Persistency Ratio	51.1 %	58.1 %	54.48 %
13 Month Persistency Ratio	83.4 %	85.3 %	71.86 %
Commission Ratio - Life Insurance	8.02 %	4.8 %	5.41 %
New Business Performance - Life Insurance	2270.88 Crs	2354.33 Crs	16690.39 Crs
Claim Settlement Ratio	99.7 %	98.39 %	98.15 %
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	79.22	78.86	15.29
5yr CAGR Net Profit	3.94 %	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 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 Bancassurance 52.0 Direct Business 0 Agency 18.0 Web Aggregators 0 Corporate Agents - Banks 0 Individual Agents 0 Corporate Agents - Others 0 Group Savings 0 Group Premium 0 Others 30.0	Distribution Channel Bancassurance 0 Direct Business 2.2 Agency 0 Web Aggregators 0.76 Corporate Agents - Banks 3.12 Individual Agents 93.8 Corporate Agents - Others 0.12 Group Savings 0 Group Premium 0
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 CBLO/Repo Investments 0 Other than Approved Investments 0 Equity 0 Other Investments 0 Fixed Deposits 0 Mutual Fund 0 Government securities 51.47 Investment Property 0 Other Approved Securities 32.54 Infrastructure Investment Fund 0 Debenture 0 Deep Discount Bonds 0 Other than Approved Securities 0 Investments in Infrastructure and Social Sector 15.99 Investments In Infrastructure 0 Government securities 0 0 Government Securities & Treasury Bills 0	Investment Break-Up CBLO/Repo Investments 0 Other than Approved Investments 0 Equity 0 Other Investments 0.04 Fixed Deposits 0 Mutual Fund 0 0 Investment Property 0 Other Approved Securities 0.26 Infrastructure Investment Fund 0 Debenture 0 Deep Discount Bonds 0 Other than Approved Securities 1.58 0 Investments In Infrastructure 7.52 Government securities 0 0 Government Securities & Treasury Bills 62.76 Others 27.84
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 Annuity 0 Unit linked(UL) 0 Unit Linked 59.15 Protection 0 Non participating 32.57 Term 0 Group Savings 0 Non-Participating 0 Participating 8.28	-

HDFC Life Insurance Company Ltd.

HDFC Life Insurance Company Ltd.

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