Multi-Pronged Risk Management and Protection Philosophy

Focus on sustainability Our ESG strategy focusses on five pillars, each of which aims to address ESG related risks and create long term value for all stakeholders Reflecting on our ESG Tenets Our ESG strategy is based on following tenets: Active engagement with external agencies including MSCI, S&P Global (DJSI) Ethical Conduct Responsible Investment Diversity, Equity and Inclusion Holistic Living Sustainable Operations • MSCI rating improved from 'BB' in October 2019 to 'BBB' in August 2020 S&P Global (DJSI) rating improved significantly in FY 2021 First Integrated report published (FY 2021) ESG report published in July 2021 35 Actuarial Financial ESG HDFC Life

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