Investor Presentaiton

Diversified distribution mix Agency - segmented geographical growth 2 2L+ agents- second largest agency force amongst private life insurers¹ Segregating Growth (tier 1) and Focus (tier 2,3) markets with a micro market strategy Deepening penetration with agency partners Leveraging machine learning tech for partner engagement and increasing productivity HDFC Bank - Expansion in SURU markets >900 HDFC bank branches added in SURU (Semi-urban and Rural) locations in last 18 months Increasing penetration across all customer segments Sharper focus on cross-sell and up-sell to existing customers Profitable distribution Diversified growth first Customer management Risk mix & governance Analytics digital & Technology, Partnerships & Alliances ✡ Karnataka Bank KVB Karur Vysya Bank 13 1. 2. Smart way to bank > 90 banca partnerships- Focus on maintaining market share leadership at partner level Partnerships with Banks, NBFCs, SFBs, brokers, aggregators & digital ecosystems allow entry into new market segments (Recent tie-ups: Karur Vysya Bank & Karnataka Bank) Strong growth momentum across protection Based on 8MFY24 Digital Branches: Virtual branch for servicing customer requests remotely through dedicated app and webpage Direct/ Digital 498 physical branches and 48 digital branches² Leveraging analytics for cross-sell/upsell Simplifying and personalizing journeys to offer better customer experience to attract younger customers HDFC Life

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