Investor Presentaiton

Demonstrating resilience in the current environment (1/2) Improving MoM business trends¹ Expanding market share¹ -19% 12% 14% 43% 22% 2% 63% 58% 35% -20% 17% 35% Rs Bn. Growth HDFC Life Pvt sector Industry H1 FY21 2% -11% -7% 27.5 28.1 17.5% H1 FY20 35% 16% 11% 17.4 15.2% 13.2 14.3 10.7 5.2 5.9 4.8 5.4 4.3 6.1 2 year CAGR 18% 1% 1% H1 FY20 H1 FY21 Q1 Jul Aug Sep Q2 H1 PY CY ■CY Growth PY Growth Balanced product mix 5 23% Improvement in CP volumes with pickup in disbursements Credit Protect² Individual APE 5% 9% 38% growth in retail protection -74% -36% -53% 33% 38% growth in annuity (incl. 30% group annuity) Par Non Par Savings ■ULIP Non Par Protection Annuity 1. Based on Individual WRP; 2. Based on NBP 9.4 7.0 2.4 Q1 FY21 Q2 FY21 H1 FY21 HDFC Life

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