Investor Presentaiton

Executive summary: H1 FY21 Revenue growth and Market share Product mix Expansion in market share¹ by 235 bps from 15.2% to 17.5% Individual WRP growth of 22% in Q2 helped neutralize the Q1 de-growth. 2% growth in H1 FY21 v/s private industry de-growth of 11% Balanced product mix² (UL: 23%, Par: 33%, Non-par savings: 30%, Protection: 9%, Annuity: 5%) 38% growth in retail protection and annuity as well Renewal collection Cost management Renewal premium growth of 22% with stable 13th month persistency Opex ratio at 11.1% for H1 FY21 compared to 14.0% in H1 FY20 New business margins Improvement in sequential new business margins H1 NBM of 25.1%, on the back of higher growth and favourable product mix Profit after tax Capital position PAT of Rs 7.8 bn, with growth of 6% Solvency ratio healthy at 203% aided by a sub-debt raise of Rs 6 bn during the quarter HDFC 1. Based on Individual WRP; 2. Based on Indl APE The numbers throughout the presentation are based on standalone financial results of the Company 14 Life

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