Journey Simplification and Business Resilience

Embedded Value: Economic assumptions¹ Years Forward rates % Spot rates % As at Sep 30, 2020 As at Sep 30, 2021 As at Sep 30, 2020 As at Sep 30, 2021 1 3.90 3.95 3.83 3.87 23 5.12 5.17 4.41 4.45 6.01 6.02 4.89 4.92 4 6.65 6.68 5.28 5.31 5 7.09 7.17 5.59 5.63 10 7.67 8.19 6.45 6.63 15 7.37 8.10 6.71 7.04 20 7.05 7.78 6.77 7.18 25 6.84 7.49 6.75 7.21 30 6.72 7.28 6.72 7.19 63 1. Forward rates are annualised and Spot rates are continuous HDFC Life

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