Reimagining Growth with Resilience

Improvement in overall persistency trends¹ Across key channels (%) 90 82 70 67 Agency 58 59 Across key segments (%) 86 77 68 64 54 89 78 66 99 62 62 57 Banca Direct ■13th month 25th month 37th month 49th month 61st month 90 82 79 70 65 10 61 60 Savings (Traditional) ထ 68 65 48 188 93 88 87 79 CY (FY22) 67 40 63 33 Company PY (FY21) 54 88 87 85 80 75 71 68 65 63 49 49 Savings (UL) Protection ■13th month ■25th month ■37th month ■49th month ■61st month Company 1. For individual business; Excluding single premium and fully paid up policies 52 Actuarial Financial ESG HDFC Life

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