Journey Simplification and Business Resilience

Stable capital position NB premium growth ■ 40 40 32% 15% 17% 22% 201% 188% 190% 184% 97.0 94.3 20.5 24.0 70.8 62.7 13.1 25.5 23.4 12.7 19.2 16.7 33.3 38.5 Mar 31, 2019 Mar 31, 2020 ASM1 RSM @100% Incremental RSM @150% Stable solvency ratio, augmented by steady accretion to backbook 1. 2. 51.0 46.9 Mar 31, 2021 Sep 30, 2021 2 Surplus Capital -Solvency margin ASM represents Available solvency margin and RSM represents Required solvency margin Investment in subsidiaries not considered in solvency margin; Includes impact of final dividend of Rs 4.1 bn, paid out in Q2 FY22 Rs bn Actuarial Financial ESG HDFC Life

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