Life Insurance Corporation of India

Financial

	Life Insurance Corp	HDFC Life Insurance	SBI Life Insuran
Operational Metrics
Life Insurance Sector
Management Expense Ratio - Life Insurance	16.2 %	19.45 %	9.74 %
AUM - Life Insurance	5121887.0 Crs	292220.0 Crs	388920.0 Crs
Value Of New Business Margin (VNB)	16.8 %	26.3 %	28.1 %
13 Month Persistency Ratio	71.86 %	83.4 %	85.3 %
Embedded Value	727344.0 Crs	47468.0 Crs	51260.0 Crs
61 Month Persistency Ratio	54.48 %	51.1 %	58.1 %
New Business Performance - Life Insurance	16690.39 Crs	2270.88 Crs	2354.33 Crs
Commission Ratio - Life Insurance	5.41 %	8.02 %	4.8 %
Claim Settlement Ratio	98.15 %	99.7 %	98.39 %
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	15.29	79.22	78.86
5yr CAGR Net Profit	68.79 %	3.94 %	5.34 %
Shareholdings
Promoter Holding	96.5 %	50.37 %	55.42 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-8.49 %	-0.28 %
Change in Mutual Fund Holding (3 Yrs)	-0.06 %	1.49 %	6.44 %

Business

	Life Insurance Corp	HDFC Life Insurance	SBI Life Insuran
Product Wise Break-Up	Product Wise Break-Up Life Insurance 68.58 Pension Business 27.26 Annuity Business 3.07 Health Business 0.06 Variable Business 0 Annuity 0 Variable Insurance 0 Pension 0 Life 0 Others 1.03	-	Product Wise Break-Up Annuity Business 0 Pension 18.06 Life Insurance 0 Health Business 0 Annuity 7.04 Variable Insurance 0.23 Life 74.65 Pension Business 0 Variable 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 Bancassurance 0 Direct Business 0 Bancassurance 56.0 Agency 0 Web Aggregators 0 Corporate Agents - Banks 0 Individual Agents 0 Group Premium 11.0 Agency 20.0 Corporate Agents - Others 0 Group Savings 13.0	Distribution Channel Bancassurance 52.0 Direct Business 0 Bancassurance & Broker 0 Agency 18.0 Web Aggregators 0 Corporate Agents - Banks 0 Individual Agents 0 Group Protection 0 Agency & Direct 0 Corporate Agents - Others 0 Group Savings 0 Others 30.0
Investment Break-Up	Investment Break-Up Government Securities & Treasury Bills 62.76 Investments In Infrastructure 7.52 Other than Approved Securities 1.58 Other Approved Securities 0.26 Other Investments 0.04 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 Others 27.84	Investment Break-Up CBLO/Repo Investments 2.51 Other than Approved Investments 1.65 Equity 7.92 Debenture 6.31 0 Other Investments 0 0 Other Approved Securities 0 Infrastructure Investment Fund 0 Investments in Infrastructure and Social Sector 12.77 Other than Approved Securities 0 Government securities 53.06 Fixed Deposits 0.32 Investments In Infrastructure 0 Deep Discount Bonds 0.36 Mutual Fund 0.15 Investment Property 0.49 Government Securities & Treasury Bills 0 Others 14.46	Investment Break-Up CBLO/Repo Investments 0 Other than Approved Investments 0 Equity 0 Debentures / Bonds 0 Investments in Infrastructure and Social Sector 15.99 Other Investments 0 Government securities 51.47 Other Approved Securities 32.54 Infrastructure Investment Fund 0 0 Other than Approved Securities 0 0 Fixed Deposit 0 Investments In Infrastructure 0 Deep Discount Bonds 0 Mutual Funds 0 Investment Properties - Real Estate 0 Government Securities & Treasury Bills 0
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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