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About HDFC Life

We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance solutions that cater to various needs of individuals - protection, pension, savings, investment, annuity and health – thus covering the three key risks of mortality, morbidity and longevity.

Our long-stated strategy of balanced product mix, diversified distribution, continuous product innovation and
re-imagining insurance through effective use of technology has enabled us to continue our journey despite the
ever-changing external environment.

Over the years, we have successfully developed an agile framework for multi-tie distribution that has allowed us to tie up with 300+ partners. We continue to strengthen our distribution and expand the breadth of our relationships by adding newer partners.

We believe in offering superior service in a timely manner. We have leveraged technology to offer a range of digital initiatives that are completely contactless and paperless, across most of our channels including our branch offices.

We constantly strive to build a resilient, tech-driven, and scalable business. All our business activities are based on our values and vision. 

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Vision and Values

Values are the most critical elements that reflect the conduct of an organisation. Below is our vision and our values, the pillars that support the success of HDFC Life.

Vision

One of the most successful and admired life insurance company, which means that we are the one of the most trusted company, the easiest to deal with, offer the best value for money and set the standards in the industry.
"The most obvious choice for all'.

Values

Awards and Accolades

Our awards and recognitions are a humble reminder of our mission to continually keep the customer at the center of all our innovations, even as we bring about change and usher in transparency in all our business activities.

Recognized by the industry

Our awards and achievements as a leading insurer, employer, and innovator

  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012
  • 2011
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Awards 2022

  • Awards 2022

  • 3rd Annual BFSI Technology Excellence Awards Category by Quantic India

    <p>HDFC Life has been awarded 'Best Use Of AI & Machine Learning- Life Insurance' by the jury members in the 3rd Annual BFSI Technology Excellence Awards Category by Quantic India.</p>

  • 3rd Annual BFSI Technology Excellence Awards Category by Quantic India

    <p>HDFC Life wins ‘Product Innovator of the year - Life Insurance’ for the product - Sanchay FMP in the 3rd Annual BFSI Technology Excellence Awards Category 2022 by Quantic India.</p>

  • 3rd Emerging Asia Insurance Awards 2022

    <p>HDFC Life has been awarded the ‘Women in Insurance Leadership Award’ at the 3rd Emerging Asia Insurance Awards 2022 by ICC.</p>

  • Adobe Experience Maker Awards 2022

    <p>HDFC Life wins ‘The Experience Maker Executive of the Year’ Award at the Adobe Experience Maker Awards 2022.</p>

  • Brandon Hall Excellence Awards 2022

    <p>HDFC Life wins the Gold Award at 2022 Brandon Hall Excellence Awards for best use of Mobile learning.</p>

  • Fortune India's Most Powerful Women in Business 2022

    <p>MD & CEO, Vibha Padalkar featured in Fortune India’s Most Powerful Women in Business 2022.</p>

  • India's Greatest CMO 2021-22

    <p>Vishal Subharwal, CMO & Head – Ecommerce & Digital Business has been awarded ‘India’s Greatest CMO 2021-22’ by Asia One.</p>

  • 'Market Disruptor of the Year' in Amazon AI Conclave Awards 2021

    <p>HDFC Life wins the Amazon AI conclave award 2021 under the category 'Market Disruptor of the Year' for creating an entire suite of solutions centred on the journey simplification for their customers.</p>

  • Abby Awards 2022

    <p>HDFC Life won 2 bronze awards for the BounceBack Batch campaign in categories - 1) Red Abby 2) Audio Visual TV (Cinema/Services).</p>

  • Best Companies for Women in India 2022

    <p>HDFC Life has been recognised as one of the ‘Best Companies for Women in India 2022’ by Avatar and Seramount making it to the '100 Best Hall of Fame'.</p>

  • Best CSR Impact Award

    <p>HDFC Life recognised with the Best CSR Impact Award at the 6th CSR Summit and Awards 2022 for Paediatric Healthcare initiatives.</p>

  • Best Innovative CSR Project

    <p>HDFC Life wins Best Innovative CSR Project at the 6th CSR Summit and Awards 2022 for the City Forest Project.</p>

  • CA Business Leader - For Large Corporates - BFSI

    <p>MD & CEO, Vibha Padalkar has won the 'CA Business Leader - For Large Corporates - BFSI' at the 15th ICAI Awards, for her exemplary contribution and professional excellence.</p>

  • Excellence in CX

    <p>HDFC Life has been recognised for 'Excellence in CX' at The Economic Times CX Summit.</p>

  • Finnoviti 2022 Award

    <p>HDFC Life wins the prestigious ‘Finnoviti 2022 Award’ for innovation using Vision AI.</p>

  • Gold at DMA Asia ECHO Awards'22

    <p>BounceBack to Success campaign has been awarded Gold at DMA Asia ECHO Awards'22.</p>

  • Great Place To Work - Best Workplaces in Life Insurance

    <p>HDFC Life has been recognized amongst 'India's 100 Best Companies to Work For 2022'. This recognition is a testimony of our purposeful culture aligned to our vision of being the most obvious choice for all.</p>

  • Great Places to Work

    <p>HDFC Life is certified as a Great Place to Work for the 12th time. Great Place to Work Certification is the most definitive ‘Employer-of-Choice’ recognition that organizations aspire to achieve.</p>

  • Great Places To Work - India's Best Workplaces for Women 2022

    <p>HDFC Life has been recognised amongst India’s Best Workplaces for Women 2022 (Top 100) by Great Place to Work. This recognition is a standing testimony to our inclusive, empowering, and equitable culture.</p>

  • HDFC Life wins DMA Asia's Sparkies Award

    <p>HDFC Life wins DMA Asia's Sparkies Award for Conversation Marketing in the Best Email Campaign category for 'Personalized, Automated Customer Welcome Journey'.</p>

  • ICAI Gold Shield

    <p>HDFC Life won the award for excellence in Financial reporting for our FY 20-21 Annual Report. It was received by our CFO, Neeraj Shah and VP – Accounts, Bhavik Mehta.</p>

  • Indian Corporate Governance Score card 2021

    <p>HDFC Life scores in the LEADERSHIP category on the Indian Corporate Governance Score card 2021. This recognition is the result of annual assessment of S&P BSE 100 companies.</p>

  • LACP 2020/21 Vision Awards

    <p>HDFC Life Annual Report wins its 3rd consecutive Platinum at the LACP 2020/21 Vision Awards.</p>

  • Mavens of Customer Journey Management Award

    <p>HDFC Life has been awarded ‘Mavens of Customer Journey Management’ Award at the CX Exchange event & award ceremony organised by Indian Express Group & Adobe India 2022.</p>

  • Most Preferred Brand 2022

    <p>HDFC Life has been recognised as one of the Most Preferred Brand 2022.  </p>

  • Most Valuable CEOs

    <p>MD & CEO, Vibha Padalkar featured in 'Most Valuable CEOs' list by BW BusinessWorld.</p>

  • Most Valuable Indian Brands - Kantar BrandZ 2022

    <p>HDFC Life features among India's top 75 valuable brands across categories in the prestigious Kantar BrandZ 2022 list.</p>

  • QCI D L Shah Quality Award (Silver)

    <p>HDFC Life has been awarded the esteemed 'QCI D L Shah Quality Award (Silver)' in recognition of its case study on 'Achieving Industry Leading Persistency' in a high level program graced by Union Minister of Commerce & Industry, Secretaries, CEO-NITI Aayog, Advisor to PM for Economic Affairs, Chairman-QCI etc. at New Delhi.</p>

  • Rhodium Award

    <p>HDFC Life wins the ‘Highest Rhodium’ Award for innovative and customer centric process improvement at the prestigious forum of AOTS 5th POKA YOKE competition - June 2022.</p>

  • The Economics Times Best Workplaces for Women 2022

    <p>HDFC Life has been recognized by Economic Times and Femina as 'Best Workplaces for Women 2022' for our continuous efforts towards building an organisation which provides equal opportunities, an enabling environment and an inclusive culture.</p>

  • Trusted Brands - Reader's Digest 2022

    <p>HDFC Life features in Reader's Digest Trusted Brands 2022 in the Financial Services - Insurance Category.</p>

About HDFC Life

Your trusted life insurance company since 2000.

HDFC Life Insurance Company Limited ('HDFC Life' / ‘Company’) is a joint venture between HDFC Ltd., India’s leading housing finance institution and abrdn plc (formerly Standard Life Aberdeen plc) a global investment company.

Established in 2000, HDFC Life is a leading long-term life insurance solutions provider in India, offering a range of individual and group insurance solutions that meet various customer needs such as Protection, Pension, Savings, Investment, Annuity and Health. As on September 30, 2021, the Company had 38 individual and 13 group products in its portfolio, along with 7 optional rider benefits, catering to a diverse range of customer needs.

HDFC Life continues to benefit from its increased presence across the country having a wide reach with 372 branches and additional distribution touch-points through several new tie-ups and partnerships. The count of our partnerships is over 300, comprising traditional partners such as NBFCs, MFIs and SFBs, and including new-ecosystem partners.

You may connect with us on FacebookTwitterYouTube and LinkedIn.

Our Roots

The Promoters of our Company are Housing Development Finance Corporation Limited (“HDFC Limited”), abrdn (Mauritius Holdings) 2006 Limited (formerly Standard Life (Mauritius Holdings) 2006 Limited) (“abrdn Mauritius”) and abrdn plc (formerly Standard Life Aberdeen plc).

About HDFC Limited

HDFC was incorporated as a public limited company on October 17, 1977 under the Companies Act, 1956 and received a certificate of commencement of business on December 3, 1977. HDFC received a certificate of registration dated July 31, 2001 from the NHB under Section 29A of the NHB Act. Its CIN is L70100MH1977PLC019916 and its registered office is situated at Ramon House, 169 Backbay Reclamation, H. T. Parekh Marg, Mumbai 400 020, Maharashtra, India. The equity shares of HDFC were listed on BSE in 1978 and NSE in 1996. The equity shares of HDFC are currently listed on NSE and BSE.

As per the terms of the memorandum of association of HDFC, the main object is to, inter alia, advance money to any person, company, association or society, either at interest or without, and / or with or without any security, for the purpose of enabling the borrower to erect or purchase or enlarge or repair any house or building or lease any property in India on such terms and conditions as it may deem fit.

About Standard Life Mauritius

abrdn Mauritius was incorporated as a private company limited by shares on April 7, 2006 under the laws of Mauritius with the Registrar of Companies, Mauritius. Its registration number is 62011 C1/GBL. Its registered office is C/o IQ EQ Fund Services (Mauritius) Limited, 33, Edith Cavell Street, Port Louis 11324, Mauritius. It holds a Category 1 Global Business Licence issued by the Financial Services Commission and carries out the work of holding investment. The shares of abrdn Mauritius are not listed on any stock exchange. The promoter of abrdn Mauritius is abrdn  plc (formerly Standard Life Aberdeen plc).

CSR Activities

We are responsible corporate citizens. We create positive change in the communities we serve through a focus on responsible growth, sustainable environmental, social, and governance leadership.

Serving communities

Raising community stewards

As responsible corporate citizens, we strive to create positive change in the communities we serve through a focus on responsible growth, sustainable environmental, social, and governance leadership.

OUR APPROACH

At HDFC Life, we have wholeheartedly embraced the culture of social responsibility, which permeates through the organizational fabric. We have aligned our CSR initiative, under the umbrella of 'Swabhimaan’, to support the evolving needs of the most vulnerable sections of the society. Our aim is to empower communities for the resurgence that will steer them through tough times, into a new era of hope and positivity.

  • We believe that sustainable business growth is achieved when it goes hand-in-hand with social responsibility. Under HDFC Life, Swabhimaan, our CSR initiative, we reach out to communities and enable them to shift from a vicious cycle of disadvantage to a virtuous cycle of opportunity.

  • Stemming from our core value of sustainability, this approach empowers the children, young adults and older adults to be self-reliant and, in effect, become partners in the growth of our nation. Taking one step at a time, we aim to pave the way for a brighter future.

  • We are committed to the UN’s 2030 Agenda for Sustainable Development. We promote access to free education and livelihood, healthcare and sanitation, and cleaner environment. Covid -19 has unleashed unprecedented challenges for human lives, and in this transforming environment, we have focused our fight against the virus on employee safety, uninterrupted customer convenience aided by digital advances, contribution to nation-building, and support to the marginalized sections of the society.

EDUCATION AND LIVELIHOOD

HDFC Life aims to create enabling conditions for the underprivileged children to stay in school and complete their schooling, and also to improve learning outcomes for better skills and abilities. Similarly, social initiatives focus on providing industry relevant trainings to underprivileged graduate students to make them self-aware, future positive and confident earners for their families.

Thematic Focus

  • Early Childhood Education
  • Support Orphan Children
  • Support Youth Employability
  • Financial Literacy

Total Outlay : ₹ 311 lakh
Number of Partners: 18
12 States : 
Gujarat, Maharashtra, Delhi, Uttarakhand, Odisha, Tamil Nadu, Telangana, Assam, Rajasthan, Puducherry, Punjab, and Andhra Pradesh

Our implementation partners have introduced modern teaching methods and digital interventions, to create a stimulating learning environment and experience for students from low-income families. Our initiatives include:

  • Learning Centers: To prepare young girls for formal schooling and enhance teacher capabilities. 

  • Financial Support: Provided to boarding school, housing 600 children from the Mushahar community, one of the most backward in the country.

  • Scholarships: To make quality education a reality for deserving underprivileged students. 

  • Tinkering Lab: To foster innovation amongst underserved students. 

  • Education for All: To provide fee subsidies and living expenses for higher education to students without one or both parents. The programme also offers career and psychosocial counselling, extra-curricular activities to build up confidence in the students.

  • Project Evolution: Connected classrooms with smartboards or K-YAN, interactive scientific and educational multimedia content to encourage students to experiment and develop concept simulations.

  • Financial Literacy: Classroom training and mass awareness sessions to improve financial literacy across Uttar Pradesh, Madhya Pradesh, Bihar, Jharkhand and Uttarakhand.

  • Youth Employability: HDFC Life ‘Campus to Corporate Careers’ programme trained 800 young final year graduates in Mumbai to enhance their employability. Students were coached on soft skills, interpersonal relations, communications and professional writing. More than 400 of these students secured jobs in corporate companies. Our programme to mainstream the hearing impaired supported the education and vocational training of 200 adolescents and youth in Jaipur.

  • Beneficiary Numbers at a Glance

    1,548 Girl children integrated into formal schooling

    55,651 benefited from digital and classroom financial literacy trainings

    90 orphans in 23 locations across 16 states supported under the Education for All initiative

    803 Graduate students received training for work readiness along with placement support

    340 underprivileged children provided with digital equipment in Hyderabad

    500 students actively engaged in the tinkering lab

    200 students in Delhi schools benefited from improved learning outcomes resulting from a Teacher Fellowship programme

    13,513 children from 30 school in Maharashtra and Gujarat are benefiting from Project Evolution

HEALTHCARE AND SANITATION

HDFC Life aims to achieve the highest possible level of good health and well-being for the communities through a preventive and promotive health care orientation. Programs have been undertaken on treatment for children suffering from congenital heart disease, clubfoot, cancer and reducing the prevalence of malnutrition with the support of institutional admissions, prenatal and postpartum care as well as awareness, COVID vaccination, strengthening of government’s health infrastructure etc.

Thematic Focus

  • Paediatric Cancer Care, Heart Care, Club Foot
  • Nutrition
  • Sanitation
  • Care for Elderly

Total Outlay : ₹664 lakh
Number of Partners: 7
17 States : 
Uttar Pradesh, Madhya Pradesh, Bihar, West Bengal, Tamil Nadu, Puducherry, Tripura, Manipur, Nagaland, Mizoram, Sikkim, Odisha, Maharashtra, Punjab, Jharkhand, Uttarakhand, and Kerala

  • Our initiatives are aimed at providing access to affordable Healthcare and Sanitation services for the vulnerable and economically marginalized. The key focus is on paediatric care, such as congenital heart defects, cancer, clubfoot treatment, nutrition and sanitation.

  • Paediatric healthcare: We have supported several paediatric interventions implemented by our partners throughout the year. These include:

    • Save Little Hearts: A programme to help children from economically challenged backgrounds suffering from congenital heart defects (CHD) in Tamil Nadu.

    • Home Away from Home Hygienic, protective and caring housing facilities for children undergoing cancer treatment in Mumbai and Chennai. We also support facilities to house cancer-stricken children through hospitals in Chennai, Puducherry and Kolkata.

    • Ponseti treatments Support for treatments to correct clubfoot conditions of children

    • Healthy Baby Wealthy Nation: An initiative that aims to eradicate hunger and malnutrition through nutrition, prenatal and antenatal care awareness campaigns run in West Bengal. 

  • Elderly care and support programme

    We provided 678 senior citizens with monthly ration, personal care kits, nutritional supplements like protein, etc. We conducted cataract surgeries for 1,500 elderly people from low income groups in Bihar and Uttar Pradesh. 

  • Health Cannot Wait

    A preventive health care programme where mobile clinics are delivering various solutions to 6,420 beneficiaries.

  • Polyclinic camps

    E-clinics delivered preventive healthcare to 6,317 people, and regular polyclinic camps treated more than 2,945 people providing timely and affordable access to diagnostic services and medicines in rural Uttar Pradesh, Madhya Pradesh, Bihar, and Jharkhand. Health awareness sessions on preventive healthcare have reached 7,032 people in these regions. 

  • Sanitation

    Contribution of ₹12.27 Lakh to the Swachh Bharat Kosh to promote sanitation. Our ‘One home-One toilet’ programme is aimed at reaching 110 families living in slums in Thane, near Mumbai. 

    Apart from this, we are also providing 2.5 Lakh healthy meals to needy communities in Mumbai. We have also extended support to 134 Veer Naris or War Widows and provided necessary utilities for the specially-abled children at Asha Schools run by the Armed Forces. 

  • Beneficiary Numbers at a Glance

    36 screening camps and 97 corrective surgeries were performed under the Save Little Hearts programme

    1,741 children supported through hospitals and 60 children have spent 4,010 nights at our Home Away from Homes

    3,246 children treated for clubfoot across central and eastern India. 1,115 new beneficiaries added. 3,862 children availed follow-on screening for Ponsetti Treatment

    1,41,202 households, 39,557 children and 6,157 expectant mothers benefited from the Healthy Baby Wealthy Nation initiatives conducted by 300 trained Swasthya Sevikas

ENVIRONMENTAL SUSTAINABILITY

HDFC Life aims to reduce carbon footprint and contribute to reducing climate change impact. The company undertakes several initiatives to reduce carbon footprint through rationalizing consumption, increasing the use of environment-friendly technology and responsibly sourced energy interventions are focused on four key areas:

  • Establishment of city forests
  • Bio-diversity restoration
  • Water body rejuvenation
  • Solar Energy integration

Total Outlay : ₹ 264 lakh
Number of Partners : 4
3 States
: Sikkim, Maharashtra, Gujarat 
6,49,000 sq ft Forest Cover 69,000+ Trees 
10 City Forests 

01 Bamboo Forest

01 Trees for Himalayan Bio-Diversity

01 Lake Restoration

  • Under our Environmental Sustainability programme, we strive to reduce our carbon footprint and contribute to reducing climate change impacts. We have set up multiple city forests and bio zones, using the Akira Miyawaki method based on the concept of ‘Potential Natural Vegetation’. The plants are carefully selected to form a self-sustaining bio-diversity. City forests produce oxygen, reduce carbon dioxide, and improve air quality. 

  • City Forests Establishment

    City or urban forests produce oxygen, reduce carbon dioxide and improve urban air quality. We have developed multiple city forests using the Akira Miyawaki method based on the concept of ‘potential natural vegetation’ and ‘native forest by native trees’. In this method, the main tree species are planted along with their companion species from the area’s natural vegetation. Since FY 2018-19, we have set up 27 city forests across multiple locations in and around Mumbai, Thane, Aurangabad, Nashik, and Jalna, Maharashtra, covering 1.2 lakh sq. ft. with 51,000 saplings belonging to as many as 150 native species.

  • Trees for Himalayan Biodiversity at Pangolakha Wildlife Sanctuary

    Under our ‘Trees of Himalayan Biodiversity’ project, we planted 34,000 trees around the Pangolakha Wildlife Sanctuary in East Sikkim. This region in the Himalayas is rich in biodiversity which also offers rural community ways to earn a living. Large scale planting of trees provides employment to the community and offers a safe habitat for local flora and fauna.

  • Bamboo Forest

    Under Project Green Gold, we planted a bamboo forest with 6,000 saplings spread across 14 acres, the hills of Balkapra Jawahar in the district of Palghar. Bamboo absorbs high levels of CO2, prevents soil depletion, reduces soil temperature, prevents water loss during monsoons, and raises the water bed of the surrounding area. The saplings will generate usable bamboo for 25 years, starting from the fifth year of planting.

    Under backward integration for the project, 450 vanvaasis have been trained in the bamboo craft. This forest will eventually help them source bamboo at an affordable price to make and sell products. We have also planted around 9,000 bamboo saplings under tree plantation drives during the last two years to act as a natural fence for the plantation.

  • Spreading the Use of Cleaner Energy
    India is looking at reducing the consumption of fossil fuels by harnessing the sun’s power to mitigate the impacts of climate change. In line with the country’s vision, HDFC Life has set up a solar electrification project, ‘Schools on Solar’, at the B.A.F. Petit Girl’s High School, Mumbai and Dr. Babasaheb Ambedkar Tribal Residential School, Shirole, Thane. Over the 25-year lifespan of this project, the total installation of 71.41 kWp across the two schools is likely to generate 99,974 units of electricity annually and 22,73,503 units cumulatively benefiting approximately 5,643 students and staff. The installations will help offset 1,819 MTCO2e of carbon emissions with savings of about ₹.2.72 crore.

    The project also educates students and faculty on climate change and responsible energy consumption to save health and livelihoods.

CSR POLICY

The Corporate Social Responsibility Policy of HDFC Life has been designed in consonance with Section 135 of The Companies Act, 2013 to lay down the guidelines for undertaking CSR initiatives at HDFC Life in accordance with the Companies (Corporate Social Responsibility Policy), Rules, 2014 as amended from time to time.

This Policy lays down the guiding principles or rules that shall apply to all CSR programs/projects to be undertaken by the Company, as per Schedule VII of the Act, within the geographical limit of the Republic of India.

CSR PROJECTS OF FY 20-21

We believe that sustainable business growth is achieved when it goes hand-in-hand with social responsibility. Under HDFC Life, Swabhimaan, our CSR initiative, we reach out to communities and enable them to shift from a vicious cycle of disadvantage to a virtuous cycle of opportunity. Stemming from our core value of sustainability, this approach empowers the children, young adults and older adults to be self-reliant and, in effect, become partners in the growth of our nation. Taking one step at a time, we aim to pave the way for a brighter future.

GROWING SUSTAINABLY (ESG)

HDFC Life is committed to industry leading ESG standards that will help shape a sustainable future for the communities we serve and creating long-term value for all our stakeholders.

Our ESG strategy focusses on five pillars, each of which have been elaborated in the subsequent sections:

  • Ethical Conduct
  • Responsible Investment
  • Diversity, Equity and Inclusion
  • Holistic Living
  • Sustainable Operations

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