We expect HDFC LIFE to deliver a 24.1% CAGR in new business annualized premium equivalent (APE) over FY18 20E, while margins are likely to sustain at current levels of 24%. Thus, we estimate a 27% CAGR in value of new business (VNB) over FY18 20E, while RoEV sustains at 18.7% over a similar period. We value HDFCLIFE at INR525 per share, which corresponds to 4.9x FY20E EV.

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