Journey Simplification and Business Resilience

Improvement in overall persistency trends¹ Across key channels (%) 92 86 82 75 Agency 67 67 Across key segments (%) 87 79 71 65 55 51 96 90 90 85 CY (H1 FY22) 91 84 76 76 72 67 56 Banca Direct ■13th month 25th month 37th month 49th month 61st month 94 89 81 81 74 67 70 64 0 Savings (Traditional) 67 48 48 92 22 84 == Company PY (H1 FY21) 88 79 79 19 72 72 69 99 66 53 Savings (UL) Protection ■13th month ■25th month ■37th month 49th month ■61st month Company 1. For individual business; Including single premium and fully paid up policies 35 Actuarial Financial ESG HDFC Life

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