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HDFC Life Insurance Company Ltd

Finance & Investments

BSE Code 540777	ISIN Demat INE795G01014	Book Value 72.39	NSE Symbol HDFCLIFE	Dividend Yield (%) 0.29	Market Cap (₹ Cr.) 149,418.69	P/E 88.54	EPS 7.84	Face Value 10

Particulars (₹ Cr)	Mar2024	Mar2023	Mar2022	Mar2021	Mar2020
Policyholders Account (Technical Account)
Income from Insurance Operations (Information)	100,774.28	70,705.44	65,358.37	71,241.82	29,261.42
Gross premiums Written	63,076.48	57,533.42	45,962.83	38,583.49	32,706.89
Gross Premiums	63,076.48	57,533.42	45,962.83	38,583.49	32,706.89
Reinsurance Accepted	0.00	0.00	0.00	0.00	0.00
Premium Ceded Reinsurers	1,117.26	769.41	566.37	461.20	483.29
Adjustment for Change in Reserve for Unexpired Risks	0.00	0.00	0.00	0.00	0.00
Premium Earned (Net)	61,959.22	56,764.01	45,396.46	38,122.30	32,223.60
INCOME FROM INVESTMENTS - INSURANCE	38,354.31	12,597.52	19,215.94	32,677.57	-3,310.87
Interest, Dividends & Rent - Gross (net of Amortisation amount)	15,811.52	12,844.66	9,459.27	7,861.15	6,845.32
Profit on Sale / Redemption of Investments	10,669.35	5,412.41	7,614.47	6,605.75	4,844.11
(Loss on Sale / Redemption of Investments)	-654.88	-1,042.96	-1,157.23	-1,876.11	-2,337.93
Profit on Sale of Investments (Net)	0.00	0.00	0.00	0.00	0.00
Transfer/Gain on Revaluation	12,528.31	-4,616.60	3,299.40	20,086.77	-12,662.37
Change in Fair Value	0.00	0.00	0.00	0.00	0.00
Accretion of Discount/(Amortisation of Premium) (Net)	0.00	0.00	0.00	0.00	0.00
Unrealised Gain	0.00	0.00	0.00	0.00	0.00
Net Realised Gain and Loss	0.00	0.00	0.00	0.00	0.00
Foreign Exchange Gain / Loss	0.00	0.00	0.00	0.00	0.00
Appropriation / Expropriation Adjustment Account	0.00	0.00	0.00	0.00	0.00
Others	0.00	0.00	0.00	0.00	0.00
OTHER INCOME - INSURANCE	460.75	1,343.91	745.99	441.95	348.70
Interest on Over Due Premium	0.00	0.00	0.00	0.00	0.00
Interest on Policy Loan	0.00	0.00	0.00	0.00	0.00
Fees and Charges	0.00	0.00	0.00	0.00	0.00
Profit on sale/disposal of fixed assets	0.00	0.00	0.00	0.00	0.00
Foreign Exchange Gains/Loss (Net)	0.00	0.00	0.00	0.00	0.00
Linked Income	0.00	0.00	0.00	0.00	0.00
Investment income from Pool (Terrorism / Nuclear)	0.00	0.00	0.00	0.00	0.00
Miscellaneous Income (Technical)	305.91	431.18	149.27	155.11	205.79
Transfer of Fund / Contribution from the Shareholders Account	125.10	879.49	569.43	258.56	104.75
Income on Unclaimed amount of Policyholders	29.74	33.24	27.29	28.28	38.16
Commission & Brokerage (net)	5,256.32	2,886.84	1,940.29	1,710.40	1,491.18
Incurred Claims	88,115.82	57,458.50	56,545.28	63,404.40	21,462.24
Claims Benefits Paid	36,837.55	36,833.20	30,078.63	21,780.67	18,173.04
Premium Deficiency	0.00	0.00	0.00	0.00	0.00
Interim Bonuses Paid	1,855.16	1,227.12	712.41	201.82	58.50
Terminal Bonuses Paid	1,003.77	812.01	1,072.71	592.28	789.94
Transfer to Funds	0.00	0.00	0.00	0.00	0.00
Changes in Valuation of Policies Liabilities	48,419.36	18,586.18	24,681.53	40,829.63	2,440.76
Changes in Gross Non-Unit/Mathematical Reserves	32,857.37	22,907.65	21,484.59	21,319.30	13,224.39
Changes in Amount Ceded in Reinsurance	-778.18	-589.35	-2,665.11	-1,067.10	-1,588.28
Changes in Amount Accepted in Reinsurance	0.00	0.00	0.00	0.00	0.00
Fund / Unit Reserve	16,730.97	-3,328.33	5,555.46	20,119.33	-9,677.06
Funds for Discontinued Policies	-390.80	-403.79	306.59	458.08	481.72
Reserve for Unexpired Risks	0.00	0.00	0.00	0.00	0.00
Changes in Catastrophe Reserve	0.00	0.00	0.00	0.00	0.00
Change in Outstanding Claims (Incl. IBNR/IBNER)	0.00	0.00	0.00	0.00	0.00
Changes in Actuarial Liabilities	0.00	0.00	0.00	0.00	0.00
Other Insurance Operations
Operating Expenses related to Insurance Business	6,901.06	8,437.38	5,612.48	4,585.97	4,266.90
Other Operating Expenses to Insurance	0.00	0.00	0.00	0.00	0.00
Loss from Investments	0.00	0.00	0.00	0.00	0.00
Loss from Sale Of Fixed Assets	0.00	0.00	0.00	0.00	0.00
Changes in Fair Value Loss	0.00	0.00	0.00	0.00	0.00
Foreign Exchange Loss	0.00	0.00	0.00	0.00	0.00
Other Operating Expenses - Insurance	0.00	0.00	0.00	0.00	0.00
Total Insurance Expenses	100,273.20	68,782.72	64,098.04	69,700.77	27,220.32
Underwriting Profit/Loss	38,313.98	12,018.71	18,701.58	31,578.47	-5,003.28
Provisions for doubtful debts (Including bad debts written off) (Technical)	0.00	0.00	0.00	0.00	0.00
Provisions for diminution In value of investments (Technical)	-88.48	17.94	-255.75	-190.53	530.84
Provisions for standard assets (Technical)	-5.12	11.05	2.36	1.98	36.58
Bad Debts Written Off (Technical)	0.00	0.00	0.00	0.00	0.00
Provisions for goods and service tax / service tax charge on linked charges	411.92	375.74	369.56	356.75	353.24
Provisions for tax	-592.39	159.11	184.50	274.39	149.03
Deferred Tax	0.00	0.00	0.00	0.00	0.00
Other Provisions (Technical)	0.00	0.00	0.00	0.00	0.00
Total Expenses Including Provisions	99,999.14	69,346.57	64,398.71	70,143.37	28,290.01
Operating Profit/(Loss)	775.15	1,358.88	959.66	1,098.44	971.42
(a) Fire Insurance	0.00	0.00	0.00	0.00	0.00
(b) Marine Insurance	0.00	0.00	0.00	0.00	0.00
(c) Miscellaneous Insurance	0.00	0.00	0.00	0.00	0.00
(d) Life Insurance	775.15	1,358.88	959.66	1,098.44	971.42
Balance of Previous Year	0.00	0.00	0.00	0.00	0.00
Appropriations (Surplus/(deficit) After Tax Appropriations)	775.15	1,358.88	959.66	1,098.44	971.42
(a) Transfer to Shareholders A/c	799.10	1,468.93	1,009.34	990.90	1,191.39
(b) Transfer to Profit and Loss A/c	0.00	0.00	0.00	0.00	0.00
Transfer to Catastrophe Reserve	0.00	0.00	0.00	0.00	0.00
(b) Transfer to Reserves	0.00	0.00	0.00	0.00	0.00
(c) Fund for Future Appropriations (Balance Being Funds for Future Appropriation)	-23.96	-110.05	-49.68	107.55	-219.97
The Total Surplus as Mentioned below :
(a) Interim Bonus Paid	1,855.16	1,227.12	712.41	201.82	58.50
(b) Terminal Bonus Paid	1,003.77	812.01	1,072.71	592.28	789.94
(c) Allocation of Bonus to Policyholders	923.72	964.59	661.88	741.53	802.86
(d) Surplus / Deficit Shown in the Revenue A/c	775.15	1,358.88	959.66	1,098.44	971.42
Total Surplus / Deficit	4,557.79	4,362.59	3,406.65	2,634.07	2,622.71
Shareholders Account : (Non-technical Account) (NON OPERATING RESULTS)
Income in Shareholders Account	1,814.32	2,251.84	1,798.72	1,638.47	1,647.76
(a) Transfer from Policyholders Fund / Account (Technical Account)	799.10	1,468.93	1,009.34	990.90	1,191.39
(b) Net Reinsurance Premium	0.00	0.00	0.00	0.00	0.00
Total Income Under Shareholders account	1,015.22	782.91	789.38	647.57	456.38
Reinsurance Claims Incurred	0.00	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	0.00
Transfer of Fund to Policyholders A/c	0.00	0.00	0.00	0.00	0.00
Income from Investments	1,002.17	719.74	789.38	647.57	437.81
Interest, Dividend & Rent - Gross	829.99	672.03	478.76	438.20	360.25
Profit on Sale of Investments / Redemption of Investments	190.48	89.73	322.55	209.54	108.40
Less: Loss on sale of Investments / Redemption of Investments	-18.29	-42.02	-11.93	-0.17	-30.85
Amortisation of (premium) /discount on investments	0.00	0.00	0.00	0.00	0.00
Other Income	13.05	63.17	0.00	0.00	18.56
Forex Gain/( Loss)	0.00	0.00	0.00	0.00	0.00
Profit on sale of Assets (Net)	0.00	0.00	0.00	0.00	0.00
Sundry Balances Written Back (Net)	0.00	0.00	0.00	0.00	0.00
Interest on Income-tax Refund	0.00	0.00	0.00	0.00	0.00
Motor Pool Service Charges	0.00	0.00	0.00	0.00	0.00
Miscellaneous Income (Non Technical)	13.05	63.17	0.00	0.00	18.56
Provision for Doubtful Loans & Investment	0.00	0.00	0.00	0.00	0.00
Provision/(written off ) for Doubtful Debts	0.00	0.00	0.00	0.00	0.00
Diminution in the value of investments written off	0.00	0.00	0.00	0.00	0.00
Other Expenses
Expenses relating to Investments and Financial Costs	68.91	62.19	40.02	26.97	0.00
Expenses other than those directly related to the insurance business	52.01	62.42	42.45	36.75	33.43
Forex Loss/(Gain)	0.00	0.00	0.00	0.00	0.00
IPO Expenses	0.00	0.00	0.00	0.00	0.00
Provisions for doubtful debts (Including bad debts written off) (Non Technical)	0.00	0.00	0.00	0.00	0.00
Provisions for diminution In value of investments (Non Technical)	5.66	-23.94	-33.32	-37.31	197.85
Provisions for standard assets (Non Technical)	-1.18	-0.73	0.00	0.00	0.00
Bad Debts Written Off (Non Technical)	0.00	0.00	0.00	0.00	0.00
Other Provisions (Non Technical)	0.00	0.00	0.00	0.00	0.00
Contribution to the Policyholders Fund / Account	125.10	879.49	569.43	258.56	104.75
Profit/Loss before Extraordinary items	1,563.83	1,272.41	1,180.14	1,353.49	1,311.74
Exceptional Items Before Tax	0.00	0.00	0.00	0.00	0.00
Profit Before Extraordinary Items and Tax	1,563.83	1,272.41	1,180.14	1,353.49	1,311.74
Other Adjustments Before Tax	0.00	0.00	0.00	0.00	0.00
Extraordinary Items before tax	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	1,563.83	1,272.41	1,180.14	1,353.49	1,311.74
Taxation	-5.02	-87.72	-27.55	-6.61	16.48
- Current Tax	0.00	0.00	0.00	0.00	0.00
- Deferred Tax	0.00	0.00	0.00	0.00	0.00
- MAT Credit	0.00	0.00	0.00	0.00	0.00
- Fringe Benefit Tax	0.00	0.00	0.00	0.00	0.00
- Provision for Tax in respect of earlier years	0.00	0.00	0.00	0.00	0.00
- Provision for Wealth Tax	0.00	0.00	0.00	0.00	0.00
- Other Tax	-5.02	-87.72	-27.55	-6.61	16.48
Profit After Tax	1,568.86	1,360.13	1,207.69	1,360.10	1,295.27
Extraordinary Items After Tax	0.00	0.00	0.00	0.00	0.00
Discontinued Operations	0.00	0.00	0.00	0.00	0.00
Profit / (Loss) from Discontinuing Operations	0.00	0.00	0.00	0.00	0.00
Tax Expense of Discontinuing Operations	0.00	0.00	0.00	0.00	0.00
Profit Attributable to Shareholders	1,568.86	1,360.13	1,207.69	1,360.10	1,295.27
Adjustments to Net Income	0.00	0.00	0.00	0.00	0.00
Preference Dividend	0.00	0.00	0.00	0.00	0.00
Profit Attributable to Ordinary Shareholders	1,568.86	1,360.13	1,207.69	1,360.10	1,295.27
Information :
Total Employee Benefits (Information)	3,256.70	3,068.81	2,039.55	1,682.90	1,684.97
OperatingProfitAfterDepreciation	775.15	1,358.88	959.66	1,098.44	971.42
Operation Profit before Depreciation	775.15	1,358.88	959.66	1,098.44	971.42
Dividend Per Share	2.00	1.90	1.70	2.02	0.00
Dividend Percentage	20.00	19.00	17.00	20.20	0.00
Equity Dividend	430.19	408.39	359.15	408.23	0.00
Earning Per Share - Basic	7.30	6.38	5.91	6.73	6.42
Earning Per Share - Diluted	7.29	6.37	5.90	6.73	6.41
Weighted Average Shares - Basic	215.01	213.33	204.47	201.97	201.79
Weighted Average Shares - Diluted	215.22	213.39	204.70	202.24	202.03