Project Inspire: 'Future Proofing' HDFC Life

14 Diversified distribution enabled by multiple levers Proprietary¹ 1.9L+ Agents Banks, NBFCs, SFBS and Other CAS HDFC BANK YES BANK IDFC FIRST Bank Saraswat Bank AU FINANCE AU SMALL BANK 483 Branches 48 Digital Branches² The Saraswat Co-operative Bark Ltd. (A Scheduled Bank) MUJJIVAN UJJIVAN SMALL FINANCE BANK b RBL BANK www.hdfclife.com HDFC Life App Brokers, Aggregators & New Ecosystems HDFC securities turtlemint MOTILAL OSWAL Investment Services BLUECHIP EXPERT ADVICE. EASY INVESTING पे PhonePe Utkarsh Small Finance Bank Aapki Ummeed Ka Khaata DCB BANK AXIS BANK SURYODAY A BANK OF SMILES HDB FINANCIAL policy bazaar Compare. Buy. Save. com ICICI Securities Bajaj Capital ZERODHA HDFC SALES SOUTH INDIAN Bank Bandhan equitas Bank S Union Bank of Ande Exuitar Small Finance Bank Fusion Microfinance StockHolding BAJAJ FINANCE LIMITED THE COSMOS CO-OP BANK LTD. Π (Multistate Scheduled Bank) Enriching fel Muthoot HeroFinCorp. MICROFIN BHARAT Financial Inclusion Ltd Prayaas se pragati Fullerton India B nabbfins A 100% subsidiary of Indusind Bank Limited HOUSING IIFL HOME LOAN SHRIRAM HOUSING FINANCE pnb Housing Finance Limited #UNITY Small Finance Aavas FINANCIERS LTD SAPNE AAPKE, SAATH HAMAARA W ASIRVA TATA Motorsfinance driven by trust 1. Proprietary channels include Agency, Direct and Online 2. Digital Branches: Virtual branch for servicing customer requests remotely through dedicated app and webpage Proprietary¹ Brokers and aggregators Bancassurance 12% YoY increase in new agent licenses Highest agent additions in last FY ~900 new HDFC Bank branches added in SURU locations in last 12 months >70 banca partnerships Focus on expansion in tier 2 and 3 markets Profitable distribution Diversified growth First Customer management Risk Technology mix & governance Analytics digital & Best in class 13M persistency of >90% HDFC Life

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