Reimagining Growth with Resilience

Capital position NB premium growth ASM1 32% 15% 17% 20% 201% 188% 184% 176% 97.7 94.3 14.3 24.0 70.8 62.7 27.8 13.1 23.4 12.7 19.2 16.7 33.3 38.5 Mar 31, 2019 Mar 31, 2020 RSM @100% Incremental RSM @150% 46.9 55.6 Mar 31, 2021 Mar 31, 2022 Surplus Capital Solvency margin 2 Rs bn Cash payout of Rs 7.3 bn for acquisition of Exide Life reduced solvency by 13%. Excluding impact of this cash payout, solvency ratio would I have been 189% Sub debt raise of Rs 3.5 bn approved by Board, amounting to 6% of solvency Actuarial Financial ESG HDFC 1. ASM represents Available solvency margin and RSM represents Required solvency margin 2. Final dividend of Rs. 1.7 per share has been approved in the Board meeting on 26th April 2022; Final payout is subject to shareholders' approval in upcoming AGM and post payout, solvency ratio would be reduced to the extent of dividend paid Life 55

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