Investor Presentaiton

Executive summary: Q1 FY23 $ Revenue & Scale Profitability & Cost Growth 20% Individual WRP % CY 26.8% New Business Margin (NBM) Market Share PY 26.2% 14.6% 1. 2. 2 ***** Customer & Capital CY 88% 13th month persistency1 PY 86% Rs (Bn.) 46.2 Rs (Bn.) 5.1 Overall 99.6% Renewal premium VNB Growth 19% Growth 25% Claim settlement ratio (FY22) Individual 98.7% Rs (Bn.) 2,001 Rs (Bn.) 3.7 CY AUM Growth 10% Profit After Tax (PAT) Complaints per 10K policies² Growth 21% PY 22 25 29 Rs (Bn.) 297.1 Jun'22 178% CY 14.9% IEV Operating Solvency EVOP 16.5% exp. ratio Mar'22 176% PY 12.5% Excludes single premium Complaints data (excluding survival and death claims) for FY22 & FY21 HDFC Life

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