Life,Holistic Living: Delivering Superior Customer Experience

Improving VNB trajectory 16% 1.4 0.5 0.3 12.9 12.6 1.2 0.4 10.9 H1 FY22 Impact of higher APE Change in New Business Fixed cost assumptions Profilę absorption H1 FY23 (Pre-Merger) Exide NBM% 26.4% 38 -0.8% 3.1% VNB Growth -1.1% 27.6% 1. Reflects the impact of difference in mix of segment/distribution channel/tenure/age/sum assured multiple etc VNB - Value of New Business; NBM - New Business Margin H1 FY23 (Post-Merger) 26.2% Rs bn HDFC Life

View entire presentation