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HDFC Life Insurance Company Ltd

Finance & Investments

BSE Code 540777	ISIN Demat INE795G01014	Book Value 78.96	NSE Symbol HDFCLIFE	Dividend Yield (%) 0.28	Market Cap (₹ Cr.) 159,716.68	P/E 85.4	EPS 8.68	Face Value 10

Particulars (₹ Cr)	Jun 2025	Mar 2025	Dec 2024	Sep 2024

OPERATING RESULTS :
Gross premiums Written:	14875.07	24031.57	17275.01	16927.45
(a) First Year Premium	2,550.20	4,395.95	2,968.77	3,253.45
(b) Renewal Premium	7,602.96	13,062.34	9,375.62	8,831.02
(c) Single Premium	4,721.91	6,573.28	4,930.62	4,842.98
(d) Other Gross Premiums	0.00	0.00	0.00	0.00
Net premium written	0.00	0.00	0.00	0.00
Premium Earned(Net)	14,466.09	23,765.56	16,771.26	16,569.70
Income from investments (Net) (Insurance)	14,594.99	18.02	192.09	11,610.77
Other income (Insurance)	73.87	76.77	70.64	68.87
Foreign Exchange Gain/(Loss)	0.00	0.00	0.00	0.00
Investment income from Pool (Terrorism / Nuclear)	0.00	0.00	0.00	0.00
Miscellaneous Income	73.87	76.77	70.64	68.87
Transfer of fund from Shareholders' A/c	66.56	22.70	-119.92	191.23
Total Income	29,201.51	23,883.05	16,914.07	28,440.57
Commission & Brokerage (net) :
(a) First Year Commission	1,424.99	2,155.97	1,600.01	1,264.56
(b) Renewal Commission	129.48	199.64	144.64	138.44
(c) Single Commission	194.74	225.79	187.83	448.15
(d) Other Commission	0.00	0.00	0.00	0.00
Net Commission	1,749.21	2,581.40	1,932.48	1,851.15
Operating Expenses related to insurance business (ab)	1,509.90	1,719.86	1,553.33	1,681.36
(a) Employees remuneration and welfare expenses	874.75	861.62	830.20	811.75
(c) Advertisements	0.00	0.00	230.49	340.50
(d) Business development expenses	0.00	0.00	0.00	0.00
(e) Other operating expenses·	635.15	858.24	492.64	529.11
Premium Deficiency	0.00	0.00	0.00	0.00
Incurred Claims: -	25,696.30	19,236.29	13,479.62	24,752.11
(a) Claims Paid / Benefit Paid	8,679.79	11,040.37	9,179.16	10,298.62
(b) Change in Outstanding Claims (Incl. IBNR/IBNER)	0.00	0.00	0.00	0.00
(c) Changes in Actuarial Liabilities	17,016.51	8,195.92	4,300.46	14,453.49
Total Expense	28,955.41	23,537.55	16,965.43	28,284.62
Underwriting Profit/Loss	-14,489.32	228.01	-194.17	-11,714.92
Provisions for doubtful debts (Including bad debts written off)	0.00	0.00	0.00	0.00
Provisions for diminution In value of investments	-4.24	28.85	52.85	-2.75
Provisions for goods and service tax / service tax charge on linked charges	126.69	138.83	122.92	118.98
Provision for tax	40.22	14.49	-33.64	-470.66
Total Expenses Including Provisions	29,118.08	23,719.72	17,107.56	27,930.19
Operating Profit/Loss:	83.43	163.33	-193.49	510.38
Appropriations	83.43	163.33	-193.49	510.38
(a) Transfer to Profit and Loss A/c	0.00	0.00	0.00	0.00
(b) Transfer to Reserves / Shareholders' A/c	366.34	246.67	98.24	385.41
(c) Fund for Future Appropriations	-282.91	-83.34	-291.73	124.97
Detail of Surplus / Deficit :
(a) Interim Bonus Paid	504.08	760.76	660.09	607.02
(b) Terminal Bonus Paid	94.35	174.83	159.63	169.90
(c) Allocation of bonus to Policyholders	0.00	870.56	0.00	0.00
(d) Surplus Shown in the Revenue A/c	83.43	163.33	-193.49	510.38
Total Surplus / Deficit	681.86	1,969.48	626.23	1,287.30
NON OPERATING RESULTS
Income in Shareholders' account (abc)	686.60	574.05	370.09	654.23
(a) Transfer from Policyholders' Fund	366.34	246.67	98.24	385.41
(b) Net Reinsurance Premium	0.00	0.00	0.00	0.00
(c)Total Income Under Shareholders' account (bc)	320.26	327.38	271.85	268.82
Income from investments	320.22	327.35	271.81	268.77
Other income	0.04	0.03	0.04	0.05
Expenses :
Reinsurance Claims Incurred	0.00	0.00	0.00	0.00
Expenses relating to reinsurance business & Change in reinsurare contract liabililles (net of reinsurance assets)	0.00	0.00	0.00	0.00
Expenses other than those related to insurance business	61.55	53.24	44.51	25.44
Transfer of fund to Policyholders' A/c	66.56	22.70	-119.92	191.23
Provisions for doudtful debts (including bad debts written off)	0.00	0.00	0.00	0.00
Provisions for diminution in value of Investments / Amortisation of premium on investments	-2.16	11.90	0.68	0.00
Total Expenses	125.95	87.84	-74.73	216.67
Profit/Loss before Extraordinary items	560.65	486.21	444.82	437.56
Extraordinary Items before tax	0.00	0.00	0.00	0.00
Profit/(loss) before tax	560.65	486.21	444.82	437.56
Provisions for tax	14.19	9.67	29.88	4.57
Profit/(loss) after tax	546.46	476.54	414.94	432.99
Extraordinary Items	0.00	0.00	0.00	0.00
Net Profit	546.46	476.54	414.94	432.99
Dividend per share (Rs)	0.00	0.00	0.00	0.00
(a) Interim Dividend	0.00	0.00	0.00	0.00
(b) Final Dividend	0.00	0.00	0.00	0.00
Opening Balance and Appropriations from PAT (Net)	0.00	0.00	0.00	0.00
Profit/ (Loss) carried to Balance Sheet	10,176.94	9,630.48	9,153.96	8,739.02
Paid up equity share capital	2,154.69	2,152.99	2,152.80	2,152.22
Reserve & Surplus (excluding Revaluation Reserve)	14,161.35	13,525.99	13,040.42	12,595.83
Fair Value Change Account and Revaluation Reserve	696.43	445.98	583.32	833.71
Face Value	10.00	10.00	10.00	10.00
Total Assets:
(a) Investments:	355,897.08	336,281.53	328,683.96	324,941.92
- Shareholders' Fund	19,085.73	18,386.33	17,017.64	15,866.06
- Policyholders' Fund	226,025.03	216,267.05	207,053.22	199,873.78
- Assets held to cover linked liabilities	110,786.32	101,628.15	104,613.10	109,202.08
(b) Other Assets (Net of current liabilities and provisions)	2,642.82	3,252.63	1,879.25	2,781.55
Nominal Value Per Share	0.00	0.00	0.00	0.00
Analytical Ratios:
Solvency Ratio	192.00	194.00	188.00	181.00
Expenses of Management Ratio	21.90	17.90	20.20	20.90
Policyholder's Liabilities to Shareholder's fund	1,990.20	1,987.30	1,982.90	1,996.70
Incurred Claim Ratio	0.00	0.00	0.00	0.00
Net retention ratio	0.00	0.00	0.00	0.00
Combined ratio:	0.00	0.00	0.00	0.00
Adjusted Combined Ratio	0.00	0.00	0.00	0.00
Earnings per share (in Rs):
(a) Basic EPS	2.54	2.21	1.93	2.01
(b) Diluted EPS	2.53	2.21	1.93	2.01
NPA ratios:
a) Gross NPAs	59.90	59.90	70.02	66.27
b) Net NPAs	0.00	0.00	0.00	0.00
(%) Gross Non Performing Assets	0.07	0.07	0.09	0.10
(%) Net Non Performing Assets	0.00	0.00	0.00	0.00