Investor Presentaiton

Industry new business¹ trends Private players Market share 45 Growth % Individual WRP in Rs bn Sensex Private Players ■LIC 304 292 288 285 269 273 262 230 203 227 214 208 200 175 178 172 287 357 420 401 315 291 278 245 160 124 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 H1 FY21 57% 52% 46% 37% 38% 38% 49% 52% 54% 56% 58% 57% 56% Private 1% 7% -20% -24% 2% -3% 16% 14% 26% 24% 12% 5% -11% LIC -22% 29% 4% 11% -4% -2% -27% 3% 15% 13% 5% 8% -2% Overall -10% 17% -9% -5% -2% -3% -11% 8% 21% 19% 9% 6% -7% Private sector gained higher Market share than LIC for the first time in FY16, post FY11 regulatory changes Amongst private insurers, insurers with a strong bancassurance platform continue to gain market share 1.Basis Individual Weighted Received Premium (WRP) Source: IRDAI and Life Insurance Council Sensex HDFC Life

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