Investor Presentaiton

41 Life Insurance: A preferred savings instrument Household savings composition Financial savings mix 2% 26% 21% 24% 23% 24% 5% 9% 9% 7% 2% 15% 9% 7% 8% 19% 17% 18% 22% 22% 18% 48% 51% 52% 54% 59% 17% 18% 18% 67% 56% 48% 52% 42% 45% 49% 48% 46% 41% FY13 FY16 FY19 FY22 FY23 ■Gross financial savings ■Physical savings FY13 ■Currency & deposits FY16 FY19 FY22 ■Insurance ■ Pension ■Shares & debentures FY23 ■Small savings Household savings as % of GDP Increasing preference towards financial savings with increasing financial literacy within the population ■ Various government initiatives to promote financial inclusion: Implementation of JAM trinity. Deposits in PMJDY accounts nearly doubled in 4 years from INR 0.96 Tn to INR 1.95 Tn о Nearly 90% of people in the country have a bank account, without any sharp urban-rural divide Launch of affordable PMJJBY and PMSBY social insurance schemes Atal Pension Yojana promoting pension in unorganized sector Source: Motilal Oswal Financial Savings Update Sep '23, RBI Annual Report, Invest India HDFC Life

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