Investor Presentaiton

Embedded Value: Economic assumptions¹ Forward rates % Spot rates % Years As at Sep 30, 2020 As at Sep 30, 2019 As at Sep 30, 2020 As at Sep 30, 2019 12345 3.90 5.67 3.83 5.51 5.12 6.14 4.41 5.74 6.01 6.58 4.89 5.95 6.65 6.94 5.28 6.14 7.09 7.25 5.59 6.31 10 7.67 7.90 6.45 6.88 15 7.37 7.85 6.71 7.12 20 7.05 7.68 6.77 7.21 25 6.84 7.55 6.75 7.23 30+ 6.72 7.48 6.72 7.23 56 1. Forward rates are annualised and Spot rates are continuous HDFC Life

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