Investor Presentaiton

Improving VNB trajectory 5% 0.6 1.0 0.1 22.7 21.6 (0.7) 9M FY23 Impact of higher APE Change in assumptions New business profile ' 1 Fixed cost absorption 9M FY24 0.0% 0.1% 0.7% -0.8% 26.5% NBM% 26.5% VNB Growth Note: Numbers may not add up due to rounding off Reflects the impact of difference in mix of segment/distribution channel/tenure/age/sum assured multiple etc VNB-Value of New Business; NBM - New Business Margin 1. 26 Rs bn HDFC Life

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