Reimagining Growth with Resilience

Improvement in overall persistency trends¹ Across key channels (%) 93 88 87 83 80 78 73 70 Agency Across key segments (%) 95 90 85 72 66 Savings (Traditional) 99 66 53 53 97 97 22 92 88 79 71 Banca Direct ■13th month 25th month 37th month 49th month 61st month 62 82 73 71 67 51 93 80 87 60 80 75 68 69 92 22 90 90 86 CY (FY22) 81 79 Company 69 58 PY (FY21) 71 67 53 Savings (UL) Protection ■13th month ■25th month ■37th month ■49th month ■61st month Company 1. For individual business; Including single premium and fully paid up policies 51 Actuarial Financial ESG HDFC Life

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