#Q3marketupdates #Q3investorpresentations

Mkt share up 214 bps to 16.4%
NBM at 25.6%
8% Individual WRP growth compared to private industry de-growth of 6%
25.6% New Business Margin on the back of growth, balanced product mix

17% growth in Protection (Indl) and 42% growth in Annuity in APE terms
22% growth in renewal premium with stable persistency
PAT of Rs 1,042 Cr, with growth of 6%
Solvency healthy at 202%
Pvt mkt share rank up to 2,gain 214 bps 14.3 to 16.4%
Balanced product mix %
Savings 35
Non participating savings 30
Ulips 23
Protection 7
Annuity 5

Distribution 300+ partners

AUM 31Dec 20
1.7 lkh cr
Debt:equity mix 64:36
98% debt in Gsecs & AAA

Renewal premium growth 22%
NBM 25.6%
PAT 10.4 bn,up 6%
Solvency ratio 202%
42 % growth in annuity business

NBM %
2019 24.6
2020 25.9
9 months fy21 25.6

Strong partner ships
Hdfc bank ,Yes ,RBL , pnb housing ,Idfc 1st
etc

Sustained growth in Individual protection %
2018 2.5
9mnth fy21 3
NPS - #1 with AUM 139 bn amongst pvt players ,strong growth AUM 9mnths 81%

26000 lives covered in 9mnths Fy21

5 building blocks
Insta suite
InstaInsure
Online payments & services
AI ,Big data ,Cloud
Life 99
Life insurance penetration %
Taiwan 16.5
Hong kong 18.3
Japan 6.7
China 2.3
India 2.8

Life insurance density US$
Hong kong 8979
Taiwan 4129
Japan 2691
China 230
India 58

Indias insurable population to touch 750 mn 2020
Elderly population to double 2035
Protection gap 2019
India 83%
China 70
Singapore 55
Hong kong 41

Protection gap growth rate to grow 4% per annual

Retail credit growth CAGR 18% last 10 yrs,retail indebtedness to spur need for credit life products

Only 1 out of 40 people who can afford buying insurance
Indias pension mkt is under penetrated at 4.8% GDP
Increased life expectancy to lead to avg retirement period of 20 years
60+ population to triple by 2050
Total pension AUM to grow to 47 trillion by 2025
Mandatory schemes to increase coverage for org & unorganized sectors
@HDFCLIFE #insurance #StockMarket #Nifty #stocks

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