Investor Presentaiton

Improvement in overall persistency trends¹ Across key channels (%) 91 83 72 68 59 Agency Across key segments (%) 90 83 69 69 59 61 60 Savings (Traditional) 86 77 69 69 64 53 89 68 80 67 67 63 33 56 Banca Direct ■13th month 25th month 37th month 49th month 61st month 80 70 68 65 49 Savings (UL) 93 88 81 76 Protection ■13th month ■25th month ■37th month ■49th month ■61st month 1. For individual business; Excluding single premium and fully paid up policies 43 88 80 80 CY (Q1 FY23) 69 69 64 54 Company PY (Q1 FY22) 86 667 72 67 65 63 51 Company Actuarial Financial ESG HDFC Life

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