Performance Analysis of 5 life insurance companies:

This is the analysis of leading private sector (Sahara India, reliance, aviva, sriram, bharati Axa) life insurance companies. In addition, we will also see how the same ratios have changed this company. Here I am comparing 5 companies (Sahara India life insurance compay, aviva insurance, reliance life insurance Company, sriram life insurance Company and bharati axa life insurance Company). The reason these 5 companies were chosen to compare is because they were given license by IRDA almost at the same time. LIFE FUND (LF) An amount of money from which life insurance payments are made and with which an insurance company makes investments called life fund. It is the income of people for long period of time and it is also give life time returns to the people.

L EF IF UND
8000 R in c s rore 6000 4000 2000 AVIVA life bajajallianz life Bharti Axa Life Birla Sun Life canara hsbc life DLFpram erica AEGONE Future Generali HDFC Standard ICICI Prudential INDIAFIRST LIFE ING Vysya Life KOTAK MAX NEW YORK m etlifeinsurance reliance life SBI LIFE Sahara India Life sriramlife Star Union DaiTata AIG Life 0 LIFE FUND

From the above chart we can see that the life fund of sahara india life insurance is comparatively lower than its peer group, where as the life fund of reliance life insurance is relatively higher than its peer group.the above graph shows that the reliance life insurance

have more exposure to life fund. the total life fund of reliance life insurance company in december 2011 shows about 2200.616 crore.as campare tu reliance sahara india life fund is 511.326 crore, where as the bharati axa life fund is 259.64 crore,sriram life fund is 297.6442 crore and aviva life fund is 1084.34. SHARE HOLDER FUND(SHF) Shareholders' funds are the balance sheet value of the shareholders' interest in a company. For company (as opposed to group) accounts it is simply all assets less all liabilities. For consolidated group accounts the the value of minority interests should also be excluded.

sh fund
4000 C OR R E 3000 2000 1000 AVIVA life bajajallianz life Bharti Axa Life Birla Sun Life canara hsbc life DLFpram erica AEGONE Future Generali HDFC Standard ICICI Prudential INDIAFIRST LIFE ING Vysya Life KOTAK MAX NEW YORK m etlifeinsurance reliance life SBI LIFE Sahara India Life sriramlife Star Union DaiTata AIG Life 0 sh fund

From the above chart we can see that Bajaj Allianz stands out from its peers. Further icici life insurance take second position in the above chart. As compare to Sahara, Aviva life insurance has done very well .Aviva life insurance stands high from its peer group. From the above chart we can also see Sahara India life insurance and sriram life insurance invest almost the same amount in share holder funds. In the year 2011, as per financial statement of dec.2011 Aviva life insurance company recorded the highest share holder funds which is 698.5 crore and the lowest share holder fund recorded by bharti axa life insurance 167.07 crore . The total share holder fund of Sahara India life is 240.0931 crore, sriram life is 181.9457 crore as per the financial statement on 31 dec. 2011. Reliance life insurance is

the main competitor of Sahara India life insurance. Reliance has invested 340.4742 crore in the year 31 dec 2011.

PENSION& ANNUITY FUND (PAF) A pension is a periodical payment made by or on behalf of an employer, usually in recognition of past services. It may be paid either to the person who provided those services or to his or her spouse or any dependant. An annuity is a periodical payment, whether made under an obligation or voluntarily.

PENS ION& ANNUITY

14000 12000 10000 CR E OR 8000 6000 4000 2000 AVIVA life bajajallianz life Bharti Axa Life Birla Sun Life canara hsbc life DLFpramerica AEGONE Future Generali HDFC Standard ICICI Prudential INDIAFIRST LIFE ING Vysya Life KOTAK MAX NEW YORK metlifeinsurance reliance life SBI LIFE Sahara India Life sriram life Star Union DaiTata AIG Life 0 PENSION& ANNUITY

If we look at the chart above, we can clearly see a differentiation between Indias largest Life insurance companies. A life insurance such as SBI would garner one of the highest pension & annuity fund amongst other private life insurance company. Sahara India life insurance has done well in pension & annuity fund fund. The total pension & annuity fund of Sahara India life insurance is 3.2655 crore. This is the highest fund as compare to its peer group.

Further, the Aviva life insurance has also done well as compare to sriram life and bharati axa life insurance Company. The total amount of Aviva life insurance is 119.89 crore in the financial statement 31 dec, 2011. Total pension & annuity fund of sriram life and reliance life insurance Company was 100.8605 & 112.6751 crore in 31 dec 2011. From the above chart we can see that bharati axa life insurance Company stands low to its peer group. The total pension & annuity fund of bharati axa life insurance company is 0.22 crore. LINKED FUND (LP) A unit-linked fund is an investment plan, which combines your money with money from other investors and buys units in a fund. The number of units you get depends on how much you invest and the price of the units at the time you buy. For example, if you invest rs100 at a cost of rs1 per unit, you will get 100 units.

L EDF INK UND

60000 50000 CR E OR 40000 30000 20000 10000 AVIVA life bajajallianz life Bharti Axa Life Birla Sun Life canara hsbc life DLFpram erica AEGONE Future Generali HDFC Standard ICICI Prudential INDIAFIRST LIFE ING Vysya Life KOTAK MAX NEW YORK m etlifeinsurance reliance life SBI LIFE Sahara India Life sriramlife Star Union DaiTata AIG Life 0 LINKED FUND

From the above chart reliance life insurance has done well in linked fund as compare to its other peer group. The total linked fund of reliance life insurance was 14241.5893 crore in the year 31 dec 2011. After that Aviva life insurance has performed well in the year 2011. The total linked fund of Aviva life is 5822.4 crore. This was the second highest linked fund as compare to Sahara life, bharti axa & shriram life insurance company.

Further, in the year of 31 dec 2011 total linked fund of Sahara India life insurance is 497.3933 crore and the total linked fund of sriram life insurance is 1417.0707 crore. As for above chart, we can see that total linked fund of bharati axa life & Sahara India life is comparatively low from its peer group. Total linked fund of bharati axa life insurance is 1337.05 crore.