Reimagining Growth with Resilience

Improving VNB trajectory 22% Rs bn 1.3 0.8 26.8 3.6 0.8 21.9 FY21 Impact of higher APE Change in assumptions New Business Profile 1 Fixed cost absorption FY22 VNB Growth NBM% 26.1% 53 0.0% -0.8% 1.3% 1. Reflects the impact of difference in mix of segment/distribution channel/tenure/age/sum assured multiple etc VNB - Value of New Business; NBM - New Business Margin 0.8% 27.4% Actuarial Financial ESG HDFC Life

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