Journey Simplification and Business Resilience

Demonstrating resilience in the current environment (1/2) Steady Individual WRP trends Mkt share 15.5% Growth Strong, sustainable growth¹ 17.8% 15.3% 16.2% 17% 22% 22% 22% Growth HDFC Life Pvt sector Industry 70.0 59.7 FY 21 H1 FY22 22% 32% 20% 2 yr CAGR 12% 8% 5% 34.2 28.1 13.1 17.4 21.1 10.7 Q1 22 Q2 H1 PY CY Balanced product mix Individual APE 5 26% Rs bn Improvement in CP² volumes on the back of higher disbursements Total APE 5% 6% Par 7% 6% 30% 25% 8% Non Par Savings ■ULIP 76% 204% Retail protection 6% 108% Group Protection Annuity 19.7 12.4 7.3 22% 27% Group Savings 32% Q1 FY22 Q2 FY22 H1 FY22 YoY Growth HDFC 1. Based on Individual WRP; 2. Based on Credit Protect NBP Life

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