Life,Holistic Living: Delivering Superior Customer Experience
Consistent, predictable, sustained performance
Holistic growth
Consistent track record over multiple periods
New business premium
Renewal premium
~2X
>2x
242
1.5x
218
~3X
113
122
80
40
FY14
FY18
FY22
FY14
FY18
FY22
Protection APE²
13.2
>2x
N4X
6.2
1.6
Annuity new business
VNB
FY18-22
>2X
FY16-20
A>2.5x
FY17-21
>2x
26.8
21.9
19.2
12.8
9.2
7.4
FY16
FY17
FY18
FY20
FY21
FY22
48.7
~5X
~7X
10.7
1.6
FY14
FY18
FY22
FY14
FY18
FY22
AUM
13M persistency³
dd9+ ~
~ +10pp
~2X
81%
2,042
71%
>2x
1,066
506
Rs bn
Embedded Value¹
FY18-22
~2X
FY16-20
>2x
FY17-21
>2x
300
266
207
152
125
87%
102
Mar 31, 2014 Mar 31, 2018 Mar 31, 2022
FY14
FY18
FY22
1. Including cash payout of Rs 7.3 bn for acquisition of Exide Life, but excluding Exide Life's EV of Rs 29.1 bn
2. Based on Overall APE
4
3. Excluding single premium
FY16
FY17
FY18
FY20
FY21
FY22
HDFC
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