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HDFC Life Insurance Company Ltd

Finance & Investments

BSE Code 540777	ISIN Demat INE795G01014	Book Value 78.50	NSE Symbol HDFCLIFE	Dividend Yield (%) 0.27	Market Cap (₹ Cr.) 167,737.91	P/E 88.98	EPS 8.74	Face Value 10

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

OPERATING RESULTS :
Gross premiums Written:	19286.52	14875.07	24031.57	17275.01
(a) First Year Premium	3,579.46	2,550.20	4,395.95	2,968.77
(b) Renewal Premium	10,337.11	7,602.96	13,062.34	9,375.62
(c) Single Premium	5,369.95	4,721.91	6,573.28	4,930.62
(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)	18,777.31	14,466.09	23,765.56	16,771.26
Income from investments (Net) (Insurance)	1,410.05	14,594.99	18.02	192.09
Other income (Insurance)	79.46	73.87	76.77	70.64
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	79.46	73.87	76.77	70.64
Transfer of fund from Shareholders' A/c	48.46	66.56	22.70	-119.92
Total Income	20,315.28	29,201.51	23,883.05	16,914.07
Commission & Brokerage (net) :
(a) First Year Commission	1,307.80	1,424.99	2,155.97	1,600.01
(b) Renewal Commission	155.18	129.48	199.64	144.64
(c) Single Commission	857.88	194.74	225.79	187.83
(d) Other Commission	0.00	0.00	0.00	0.00
Net Commission	2,320.86	1,749.21	2,581.40	1,932.48
Operating Expenses related to insurance business (ab)	1,779.95	1,509.90	1,719.86	1,553.33
(a) Employees remuneration and welfare expenses	985.81	874.75	861.62	830.20
(c) Advertisements	0.00	0.00	0.00	230.49
(d) Business development expenses	0.00	0.00	0.00	0.00
(e) Other operating expenses·	794.14	635.15	858.24	492.64
Premium Deficiency	0.00	0.00	0.00	0.00
Incurred Claims: -	16,308.09	25,696.30	19,236.29	13,479.62
(a) Claims Paid / Benefit Paid	9,328.91	8,679.79	11,040.37	9,179.16
(b) Change in Outstanding Claims (Incl. IBNR/IBNER)	0.00	0.00	0.00	0.00
(c) Changes in Actuarial Liabilities	6,979.18	17,016.51	8,195.92	4,300.46
Total Expense	20,408.90	28,955.41	23,537.55	16,965.43
Underwriting Profit/Loss	-1,631.59	-14,489.32	228.01	-194.17
Provisions for doubtful debts (Including bad debts written off)	0.00	0.00	0.00	0.00
Provisions for diminution In value of investments	-45.99	-4.24	28.85	52.85
Provisions for goods and service tax / service tax charge on linked charges	121.14	126.69	138.83	122.92
Provision for tax	3.44	40.22	14.49	-33.64
Total Expenses Including Provisions	20,487.49	29,118.08	23,719.72	17,107.56
Operating Profit/Loss:	-172.21	83.43	163.33	-193.49
Appropriations	-172.21	83.43	163.33	-193.49
(a) Transfer to Profit and Loss A/c	0.00	0.00	0.00	0.00
(b) Transfer to Reserves / Shareholders' A/c	215.22	366.34	246.67	98.24
(c) Fund for Future Appropriations	-387.43	-282.91	-83.34	-291.73
Detail of Surplus / Deficit :
(a) Interim Bonus Paid	717.31	504.08	760.76	660.09
(b) Terminal Bonus Paid	139.85	94.35	174.83	159.63
(c) Allocation of bonus to Policyholders	0.00	0.00	870.56	0.00
(d) Surplus Shown in the Revenue A/c	-172.21	83.43	163.33	-193.49
Total Surplus / Deficit	684.95	681.86	1,969.48	626.23
NON OPERATING RESULTS
Income in Shareholders' account (abc)	576.09	686.60	574.05	370.09
(a) Transfer from Policyholders' Fund	215.22	366.34	246.67	98.24
(b) Net Reinsurance Premium	0.00	0.00	0.00	0.00
(c)Total Income Under Shareholders' account (bc)	360.87	320.26	327.38	271.85
Income from investments	360.87	320.22	327.35	271.81
Other income	0.00	0.04	0.03	0.04
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	63.75	61.55	53.24	44.51
Transfer of fund to Policyholders' A/c	48.46	66.56	22.70	-119.92
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	-1.53	-2.16	11.90	0.68
Total Expenses	110.68	125.95	87.84	-74.73
Profit/Loss before Extraordinary items	465.41	560.65	486.21	444.82
Extraordinary Items before tax	0.00	0.00	0.00	0.00
Profit/(loss) before tax	465.41	560.65	486.21	444.82
Provisions for tax	18.26	14.19	9.67	29.88
Profit/(loss) after tax	447.15	546.46	476.54	414.94
Extraordinary Items	0.00	0.00	0.00	0.00
Net Profit	447.15	546.46	476.54	414.94
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	10,171.60	10,176.94	9,630.48	9,153.96
Paid up equity share capital	2,156.09	2,154.69	2,152.99	2,152.80
Reserve & Surplus (excluding Revaluation Reserve)	14,229.49	14,161.35	13,525.99	13,040.42
Fair Value Change Account and Revaluation Reserve	537.90	696.43	445.98	583.32
Face Value	10.00	10.00	10.00	10.00
Total Assets:
(a) Investments:	359,999.18	355,897.08	336,281.53	328,683.96
- Shareholders' Fund	18,678.82	19,085.73	18,386.33	17,017.64
- Policyholders' Fund	233,491.86	226,025.03	216,267.05	207,053.22
- Assets held to cover linked liabilities	107,828.50	110,786.32	101,628.15	104,613.10
(b) Other Assets (Net of current liabilities and provisions)	2,681.06	2,642.82	3,252.63	1,879.25
Nominal Value Per Share	0.00	0.00	0.00	0.00
Analytical Ratios:
Solvency Ratio	175.00	192.00	194.00	188.00
Expenses of Management Ratio	21.30	21.90	17.90	20.20
Policyholder's Liabilities to Shareholder's fund	2,028.30	1,990.20	1,987.30	1,982.90
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	2.08	2.54	2.21	1.93
(b) Diluted EPS	2.07	2.53	2.21	1.93
NPA ratios:
a) Gross NPAs	59.90	59.90	59.90	70.02
b) Net NPAs	0.00	0.00	0.00	0.00
(%) Gross Non Performing Assets	0.07	0.07	0.07	0.09
(%) Net Non Performing Assets	0.00	0.00	0.00	0.00