HDFC Life Insurance Company Limited CC-Dec23.pdf · 2024-01-12
For last 9 months of FY24, the unwind from the value in force is larger than new business value creation. So, my question is should we be concerned of the potential slowdown on the EB growth in next 12 months or 24 months?
Just one thing there. My understanding is that the regulator draft looks too conservative in terms of the surrender value. So, my guess is that now India perhaps may have the highest of surrender value among the Asian countries if the initial draft were to be accepted. So, just I'm wondering whether you expect any adjustment compared to the initial draft on the surrender value or do you think that due to the very high customer protection , this largely makes sense based on the industry, the perspective. So, I just want to get some sense about this.