Multi-Pronged Risk Management and Protection Philosophy

Individual persistency for key channels and segments¹ Across key channels (%) 92 85 81 75 64 Agency Across key segments (%) 86 77 70 0 65 50 95 90 90 Banca ■13th month 25th month 37th month 93 88 78 81 74 67 70 68 63 Savings (Traditional) 46 82 82 76 Direct 49th month 61st month 92 22 83 83 79 70 10 99 66 73 CY (Q1 FY22) 90 82 73 67 53 87 77 Company PY (Q1 FY21) 69 69 Savings (UL) Protection ■13th month ■25th month ■37th month ■49th month ■61st month Company 1. Calculated as per IRDAI circular (based on original premium) for individual business 30 65 53 Actuarial Financial ESG HDFC Life

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