Presentation made for the RM Meet at Mumbai

1. Insurance Workshop Mumbai May 2-3, 2011

3. DHFL – Senior Management Kapil R Wadhawan CMD Anil Sachidanand CEO

5. DHFL Insurance Services Ltd

6. DHFL Insurance Services Ltd - Vision To be the leading financial services distributor with customised value added solutions and innovative practices to bring smiles to all stakeholders.

10. Insurance Business Review FY 10-11

11. Total Fee Income : 2009-10 vs 2010-11 2009-10: Rs2104 Lacs Growth of Rs3019 Lacs; 147% * All Figs in Rs. Lacs Rs5063 Lacs

12. Total Fee Income : Target Vs Achievement Target : Rs5514 Lacs Rs5063 Lacs ACHIEVED Achievement : 92%

13. Target Achievement and Business Contribution

14. Target Achievement – TOP 44 Ambernath 188% Nagpur 128% Akola 106% Kolhapur 92% Gwalior 174% Kalyan 127% Bijapur 103% Surat 91% Nasik 166% Virar 127% Thane 103% Ahmedabad 91% Vasai (E) 144% Bhilwara 127% Jabalpur 102% Dehradun 90% Navi Mumbai 143% Vasai (W) 120% Mumbai Metro 101% Indore 90% Jodhpur 139% Aurangabad 119% Solapur 99% Vishakhapatnam 90% Vellore 138% Parbhani 112% Rajkot 98% Bikaner 90% Sangareddy 137% Palghar 112% Karim Nagar 93% Bhopal 90% Ahmednagar 136% Hyderabad S V 108% Fort 93% Nellore 90% Jalgaon 135% Panvel 108% Bengaluru Metro 93% Vijayawada 90% Borivali 129% Pune 107% Bengaluru S V 93% Jaipur 90%

15. Target Achievement – BOTTOM 39 Salem 59% Bhubaneswar 49% Kalburgi 39% Ghaziabad 58% Trivandrum 48% Noida 36% Guntur 58% Hubballi 48% Chennai Metro 36% Davangere 55% Puducherry 47% Itarsi 35% Rajahmundry 54% New Delhi West 46% Rewari 34% Kolkata - UBI 54% Lucknow 46% Goa 30% Calicut 54% Faridabad 45% Rohini 28% P & S Bank 53% Shivamoga 45% Trichy 26% Hyderabad 53% Thirunelveli 44% Chennai S V 26% Noida 1 52% Mangaluru 43% Khargone 26% Chennai 50% Madurai 43% Kottayam 24% Hosur 50% New Delhi (Eok) 41% Coimbatore 22% Kota 49% Raipur 39% Gurgaon 4%

16. Attachment Business Snapshot Rs12440 Lacs of Premium * All Figs in Rs. Lacs Rs4220 Lacs of Fee

17. Attachment Business: Value Penetration Budgeted: 80% 87%

18. Cross Sell Business Snapshot Rs3220 Lacs of Premium * All Figs in Rs. Lacs Rs843 Lacs of Fee

19. Cross Sell Business: Value Penetration Budgeted: 1% 0.7%

20. RM Performance – Home Loans RM Name Loan Amt Proceesing Fee % Fee Achv Arvind Kulkarni 28.23 0.32 1% Anil Kumar Challagulla 21.13 0.21 1% Srinivas Gorle 13.48 0.13 1% Kiran Prakash Dalvi 12.12 0.12 1% Amit Shrivastava 8.74 0.09 1% Prasanna Vijay Telpande 4.84 0.05 1% Lakshman Kumar Sah 3.83 0.04 1%

21. RM Performance: 2010-11 No. RM Name Fee Target Actual % Ach 1 Anil Kumar Challagulla 888,250 861,225 97% 2 Siva Prasad S 1,591,250 1,353,636 85% 3 Prasanna Telpande 832,500 685,120 82% 4 Lakshman Kumar Sah 6,351,000 4,980,965 78% 5 Sunil Mudgal 1,167,500 866,800 74% 6 Prabhu Shankar 1,369,000 968,320 71% 7 Amit Shrivastava 3,175,500 1,923,273 61% 8 Rakesh Gupta 12,121,650 7,278,149 60% 9 Chirag Kankal 13,047,075 7,274,761 56% 10 Kiran Prakash Dalvi 24,511,275 13,396,653 55% 11 Arvind Kulkarni 1,609,300 876,027 54% 12 Mazhar Shaikh 490,000 233,170 48% 13 Puneet Sharma 3,636,600 1,414,877 39% 14 Srinivas Gorle 826,500 317,298 38% 15 Ajay Saini 1,447,500 462,800 32% 16 Alagu Kannan B 4,895,000 1,331,057 27% 17 Ashutosh Kumar 1,932,850 142,790 7%

22. Moments of Glory

23. Learnings NO COVER STAY FULLY PROTECTED 305% Growth on Cross Sell Fee Income 142% Growth on Fee Income

24. The Way Forward 2011-12

25. 2011-12 the Year of BIG GROWTH

28. The Growth Path Relationship Officer Relationship Manager Territory Manager Area Sales Manager Business Development Manager Zonal Sales Manager

30. RO / RM: Business Objective & Key Result Areas BO BO Weightage (%) KRA KRA Weightage (%) Agreed Measure Self Sourced Business 50% Cross Sell FEE Income 25% Self sourced Cross Sell Premium Business from New/Existing customers Home Assure FEE Income 15% 3.25% HA Premium on Self Sourced HL Disbursements. Home Loan Precessing FEES 10% 1% P.F. on Self Sourced HL Disbursements. Branch Sourced Business 50% Home Assure FEE Income 25% 3.25% HA Premium on Branch HL Disbursements. Cross Sell FEE Income 25% 0.75% Cross Sell Premium on Branch HL Disbursements.

31. RO/RM: Monthly Incentive Plan for Q1 SELF BUSINESS BRANCH BUSINESS % Fee Achieved Self Sourced Business Incentive receivable as % of Fee Generated by HL Processing Fee Cross Sell Fee Home Assure Fee 80% 10% 25% 15% 100% 15% 30% 20% >= 110% 20% 35% 25% Cross Sell Fee Target % Achieved Incentive on Premium Collected (WRP) 80% 0.75% 100% 1.50% 110% Onwards 2.00%

32. The Way Forward – Fee Income 2011-12 RM Self Sourcing Business Rs426 Lacs Processing Fee @ 1% Attachment Premium @ 3.25% Cross Sell Premium @ 0.75%

33. The Way Forward – Fee Income 2011-12 Home Loan disbursement of Rs606820 Lacs Rs7574 Lacs Attachment Value Penetration @ 90% Attachment Premium @ 3.25% Cross Sell Premium @ 0.75%

34. 2011-12 MISSION CRORES 80

35. “ Champions aren’t made in gyms. Champions are made from something they have deep inside them: a desire, a dream, a vision. They have to have the last minute stamina, they have to be a little faster, they have to have the skill and the will. But the will must be stronger than the skill.” - Muhammad Ali “The Greatest" it's about CELEBRATING CHAMPIONS All The Best!!!