FINANCE

• 1.Fundamental and Ratio analysis of IFL and HDFC Life

Insurance or SBI Life Insurance.
NAME IFL HDFC LIFE SBI LIFE
CASH FLOW 1,364,251.69 7341Cr. 19218Cr.
GROWTH 24.3% 7% 28%
DEBT. 1.61 600Cr. 0
CASH 754.37Cr. 340Cr. 2813Cr.
ROCE 13.47% 20% 22%
ROE 9.3% 20% 17.3%
P/E 7.61 107 63
P/B 0.9 18 9
FAIR PRICE 500Rs 680Rs 1400Rs
• 2. Choose one Insurance sector in India (Important policy changes
and amendment in last three years).
LIC
 What is the surrender value of LIC after 3 years?
 Guaranteed surrender value:
 After payment of premiums for at least three years, the
surrender value allowed under the policy is equal to 30% of the
total premiums paid excluding the first year’s premiums and all
additional premiums.
 For any transaction with related parties, which are in the
nature of transactions such as reinsurance arrangements or
investment transactions or outsourcing to related parties,
compliance to concerned and applicable latest amended
regulations such as IRDAI (Re-insurance) Regulations IRDAI
(investment) regulations, IRDAI (Outsourcing) Regulations etc or
applicable guidelines/circulars issued by IRDAI, shall be ensured.
• Market research on project title (primary research)with
questionnaire, come up with findings, conclusion, suggestions
and Limitations.
• Life Insurance policy