Life,Holistic Living: Delivering Superior Customer Experience

Improvement in overall persistency trends - Pre-Merger basis¹ Across key channels (%) 91 82 76 Agency 62 67 60 Across key segments (%) 90 82 75 86 76 71 49 64 53 53 90 90 83 70 0 63 56 Banca Direct ■13th month 25th month 37th month 49th month 61st month 81 69 19 68 65 61 59 48 Savings (Traditional) Savings (UL) 94 44 88 82 76 70 10 Protection ■13th month ■25th month ■37th month ■49th month ■61st month 1. For individual business; Excluding single premium and fully paid up policies 36 CY (H1 FY23) 88 79 72 64 54 86 Company PY (H1 FY22) 76 66 63 52 62 Company HDFC Life

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