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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>

  • 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>

  • 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>

  • 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 Valuable CEOs

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

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 organisational 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 focussed our fight against the virus on employee safety, uninterrupted customer convenience aided by digital advances, contribution to nation-building, and support to the marginalised sections of the society.

EDUCATION AND LIVELIHOOD

HDFC Life ensures that students from low income backgrounds receive quality education with special focus on girl child.

Thematic Focus

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

Total Outlay : ₹ 501 lakh
Number of Partners: 11
Beneficiaries : 1,02,009
22 locations :
Uttar Pradesh, Madhya Pradesh, Jharkhand, Bihar, Telangana, Gujarat, Maharashtra, Delhi, Uttarakhand, Odisha, Tamil Nadu, Kerala, Haryana, Assam, Andhra Pradesh, Rajasthan, Puducherry, Punjab, Meghalaya, Jammu & Kashmir, Tripura and Himachal Pradesh

  • Our Education and Livelihood initiatives aim 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. 

  • To create a stimulating learning experience, our implementation partners have introduced modern teaching and assessment methods that help children achieve higher learning levels and better results. For example, in our blended learning project, we have provided 120 digital tablets to introduce e-learning. More than 2,220 girl children are being integrated into formal schooling across multiple districts in Madhya Pradesh and Rajasthan, by providing a parallel education support system through learning centres. The Ek Samudaya Ek Abhiyaan initiative by one of our implementing partners is helping garner support from the larger community, government system, as well as from Panchayati Raj representatives, in the form of mobilising soaps, sanitisers, books, mats for children, as well as arrangement of open spaces where Alternate Learning Approach (ALA) teaching methods can be implemented. EQUIP was implemented to enable children, their parents, and the community to cope with the ‘new normal’ and create a seamless learning system to empower the community.

  • As the Digital India movement took shape, making it inclusive for all sections of the society was imperative. This could be manifested at the grassroots level by digitising the learning environments with Digital Classrooms. With tech-based education, students would now be able to cross the threshold from the pen and paper era, and enter a whole new world of possibilities available at a single click. It would also serve as a magical phenomenon to get students excited and interested towards academics.

  • Project Evolution reaches out to 2,825 children in seven smart classrooms. A typical smart class comprises an integrated learning tool - smart board or K-YAN, interactive multimedia content, interactive experiment and concept simulations, scientific and educational videos, along with teacher trainings and capacity building.

  • Through our Education for All project, we support 90 orphans with full fee subsidy, including living expenses, for higher education in 23 locations across 16 states. In rural Tamil Nadu, 190 children are provided scholarships and fee subsidies across 9 schools.

  • During the year, video lessons and worksheets were shared with 200+ students on WhatsApp and via Zoom calls, while experts in various fields delivered weekly ‘Get‑Mentored’ sessions. For students who did not have smartphones, lessons were printed and distributed. Interactive webinars with eminent speakers were organised twice a week, with the implementing partner’s global volunteer support.

  • The Mushahar community is still one of the most backward groups. We support free education in a 100% Mushahar dedicated English medium CBSE boarding school for 600+ children in the outskirts of Patna.

  • In Dharamshala, we support primary school education of 150 children - from nursery to class 10, including their food, uniforms, meals, stationery and rental for the school building. We support 333 underprivileged children (mainly girls) with full fee subsidy in a school in Hyderabad. This school has reported zero drop-outs.

  • We have supported the work towards restoration/renovation of a heritage building that houses a school in Mumbai. The project will touch 3,000 lives. To promote financial literacy, we have reached out to 92,080 beneficiaries, especially women, through intensive classroom trainings and mass awareness sessions across multiple locations in Uttar Pradesh, Madhya Pradesh, Bihar, Jharkhand and Uttarakhand. To create a world of equal opportunities, 250 youth were provided professional training and 521 youth were mobilised across 6 orientation sessions in colleges.

  • This employability skill building project has achieved 95% average graduation rate across batches. Our support for education projects also act as a job creator, especially amongst the local women. For instance, 74 teachers are supported through our Girl Child Education projects in Madhya Pradesh and Rajasthan.

HEALTHCARE AND SANITATION

HDFC Life aims to ensure access to affordable healthcare and safe sanitation services for the vulnerable and economically marginalised.

Thematic Focus

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

Total Outlay : ₹601 lakh
Number of Partners: 6
Beneficiaries: 1,19,751
13 locations : 
Uttar Pradesh, Madhya Pradesh,Jharkhand, Bihar, Uttarakhand, WestBengal, Tamil Nadu, Puducherry, Tripura,Manipur, Nagaland, Sikkim and Odisha

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

  • Under our Save Little Hearts initiative, 164 children suffering from congenital heart defects (CHD) have undergone a comprehensive programme of screening, treatment and review in one of Chennai’s best hospitals. 

  • Our Home Away from Home facilities support 1,472 children with cancer. We also support four hospital units in Chennai, Puducherry and Kolkata. We have supported clubfoot correction for 4,366 children through ‘Ponseti’ treatment method in multiple districts across central and eastern India. Our Healthy Baby Wealthy Nation programme is focussed on eradicating hunger and malnutrition in children under 5 years of age. In Phase II project, 10,396 beneficiaries attended health forums, 325 Swastha Sahikyas participated in refresher training and 13,725 beneficiaries were counselled through house visits. In Phase III, 147 Swastha Sahikyas were selected and trained to educate and support interventions for access to sanitation and safe drinking water. 

  • In our mission to provide access to Preventive Healthcare, 26,829 beneficiaries from 140 mobile van polyclinic camps and 5,775 beneficiaries from 49 polyclinic camps, belonging to rural background, were provided with timely and affordable access to Outdoor Patient Diagnostic services (OPDs) and medicines. Additionally, 1,662 health awareness sessions, impacting 20,307 beneficiaries, were conducted on preventive healthcare. 

  • We contributed 9.56 lakh to the Swachh Bharat Kosh, set up by the Central Government to promote sanitation.

ENVIRONMENTAL SUSTAINABILITY

HDFC Life aims to reduce carbon footprint and contribute to reducing climate change impact.

Thematic Focus

  • City Forest

EXPAND IN FUTURE

  • Water Body Rejuvenation
  • Solar Energy

Total Outlay : ₹18 lakh
Number of Partners : 1
23,000 Sq. Ft.
8,695 Trees
7 City Forests

  • 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. Each city forest has over 900 native plants and 55 species.

  • In Mumbai, one city forest has been planted inside the Sanjay Gandhi National Park, one in the State Reserve Police Force (SRPF) grounds in Jogeshwari, one near Hub Mall on the Western Express Highway, one in Posha Garden in Versova, one in Ramdev Park in Mira Road, and one in Shreemati Nathibai Damodar Thackersey Women's University (SNDT), Santacruz. Since FY 2018-19, 17 city forests covering 45,900 sq. ft. area have been created in Mumbai, Mira-Bhayander district, and Nashik.

  • In the past year, the pandemic situation notwithstanding, we planted another 15,000 trees in rural community in Kheda, Gujarat. We are committed to scaling the city forest project, and also look at environment-related projects, such as water body rejuvenation and solar energy, as we deepen our CSR interventions to drive a more resurgent organisation.

COVID 19 RESPONSE

As a responsible corporate citizen, we contributed to the national efforts to mobilise funds and support all the stakeholders in the fight against the pandemic, to minimise its impact on people. To curb the menace caused by the novel Covid -19, we contributed ₹ 750 lakh to the PM CARES Fund. A nationwide employee voluntary effort - ‘Ready to Bounce Back’, was initiated to steer our efforts. Our ‘#IndiaFightsCoronavirus - The Time to Act is Now’ campaign also encouraged employees to contribute to the PM CARES Fund.

During the year, HDFC Life launched a #PromiseWalaDabba campaign to provide meals to Dabbawallas, whose livelihoods were seriously impacted by the pandemic.

  • Supporting Frontline Healthcare workers

    At the peak of the pandemic, wedistributed 400 scrub suit tops and pants, along with 2,000N-95 respirators, to cover 56 patients for Covid -19. High Flow Nasal Cannula (HFNC) consumable kits were provided to maintain oxygen levels of Covid -19 patients. Good quality nutritional meals and supplements were provided to 50 medical frontline staff. In Birbhum district, 450 Swastha Sahikyas were provided with kits consisting of 15 surgical masks,caps and sanitiser.

    Glimpses of our Covid -19 Heroes
  • Support to Families Impacted during Hyderabad Floods

    In October 2020, our Hyderabad team pooled in contributions to provide rations to 400 families. Our colleagues went beyond the call of duty to support people affected by the floods which hit the city amidst the pandemic.

  • Helping Corona Warriors, Families and Helpers

    Some of our employees from Khar, Mumbai branch, volunteered during the COVID-19 lockdown. In March 2020, 500 water bottles, 200 food boxes and 5fruit packages were distributed.

    In April 2020, two months’ ration supplies were provided to 12 families, and financial supportwas extended to security guards. In June 2020, three months’ ration supplies were provided to 20 families, and financial support was provided to the housekeeping staff.

  • Supporting the Local Administration

    In Varanasi, through our implementing partner, we reached out to more than 1 lakh citizens and local communities with relief materials/kits across 25 Red Cross Society centres.

  • Saving New-Borns during the Pandemic

    A two-day-old baby, with a complex congenital cardiac condition, was operated at one of Chennai’s leading hospitals. With swift transfer, emergency intervention, and timely surgery, the baby was saved. Another new-born baby in Theni, Kerala, was diagnosed with a heart condition that could turn fatal if not treated immediately. The baby was treated at the same hospital in Chennai and recovered rapidly.

  • Veer Naari – Army Wives Welfare Association

    Through this initiative, we supported 234 Veer Naaris (War Widows) with an amount of ₹ 15,000 each. We salute the defence forces of our nation for their unparalleled devotion in serving our motherland.

  • Bharat Ke Veer

    As a part of available measures for the benefit of armed forcesveterans, war widows and their dependents, the Bharat Ke Veer Fund was supported with ₹ 13 lakhs. The money from this fund is utilised to support the families of Bravehearts from seven forces covered under CAPF.

  • Lending a Helping Hand to Villagers

    One of our youth beneficiaries, who is part of our support system, showed how every individual can do his/her bit to help out in these difficult times. He inspired 40 school friends and collected ₹ 5,000. With this money, they provided masks to the villagers in Khed Gaon, Pune.

  • COVID-19 - Lending a helping hand

    One of our colleagues in Hyderabad distributes 1,500 freshly cooked home meals to road side workers on weekends. During the lockdown, he with his four friends and 100 volunteers distributed food packets to over 850 beneficiaries and 1,000 families with ration kits.

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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