Investor Presentaiton
4
Consistent, predictable, sustained performance
Holistic growth
Consistent track record over multiple periods
55
New business premium
>25x
~2X
291
150
Renewal premium
1.5x
2x
284
93
142
FY15
FY19
FY23
FY15
FY19
FY23
Protection new business¹
Annuity new business
VNB
FY19-23
>2X
FY18-22
FY17-21
>2x
>2x
36.7
26.8
21.9
15.4
12.8
9.2
84.4
>6x
40.4
2x
6.6
FY17
FY18
FY19
FY21
>2x
57.7
FY22
FY23
>8x
25.9
3.2
FY15
FY19
FY23
FY15
FY19
FY23
Embedded Value
AUM
13M persistency²
FY17-21
~2X
FY18-22
~2X
FY19-23
>2x
395
330
266
2,388
~2X
~7PP
~2X
~7pp
87%
80%
183
1,256
152
73%
125
670
Mar 31, 2015 Mar 31, 2019
1.
Based on Overall NBP
2.
Excluding single premium
FY15
FY19
FY23
FY17
FY18
FY19
FY21
FY22
FY23
Mar 31, 2023
Rs bn
HDFC
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