Investor Presentaiton

Our focus on core insurance proposition Protection (Individual + Group) trends Sum Assured (Individual + Group) trends Rs Bn. 29.4 FY18 35% FY18 23% CAGR 84.4 56.8 21% 69.0 4,734 FY23 9MFY23 9MFY24 FY18 ■ NBP Protection and Annuity as % of total NBP 1. Private industry 16 2. Based on 9MY24 39% 49% 52% FY21 FY23 9MFY24 NBP 3. Retail protection persistency 18% CAGR 11,041 7,117 38% 9,837 FY23 9MFY23 9MFY24 Offering embedded protection solutions based on customer orientation ■ Protection and annuity contribute >50% of NBP ■ Maintained #1 in overall sum assured² ■ Covered ~50 million lives in 9MFY24 ■ 13M persistency² of >90% over last 3 years Profitable distribution Diversified Customer management Risk Technology, digital & growth first mix & governance Analytics HDFC Life

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