Journey Simplification and Business Resilience

Improvement in overall persistency trends¹ Across key channels (%) 89 80 69 65 55 Agency 84 75 15 66 69 Banca 64 51 Across key segments (%) ■13th month 25th month 89 79 63 19 61 59 Savings (Traditional) 78 71 67 40 64 42 47 80 87 73 65 32 62 59 Direct 37th month 49th month 61st month 92 84 78 13 71 71 86 76 82 82 CY (H1 FY22) 66 99 63 33 Company PY (H1 FY21) 70 70 65 552 52 62 Savings (UL) Protection ■13th month ■25th month ■37th month 49th month ■61st month Company 1. For individual business; Excluding single premium and fully paid up policies 36 12 47 Actuarial Financial ESG HDFC Life

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