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HDFC Life Insurance Company Ltd

Finance & Investments

BSE Code 540777	ISIN Demat INE795G01014	Book Value 73.28	NSE Symbol HDFCLIFE	Dividend Yield (%) 0.31	Market Cap (₹ Cr.) 138,306.82	P/E 79.61	EPS 8.07	Face Value 10

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

OPERATING RESULTS :
Gross premiums Written:	17275.01	16927.45	12810.88	20937.56
(a) First Year Premium	2,968.77	3,253.45	2,357.90	4,014.62
(b) Renewal Premium	9,375.62	8,831.02	6,410.63	11,405.96
(c) Single Premium	4,930.62	4,842.98	4,042.35	5,516.98
(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)	16,771.26	16,569.70	12,509.62	20,488.11
Income from investments (Net) (Insurance)	192.09	11,610.77	14,124.41	7,251.41
Other income (Insurance)	70.64	68.87	66.72	78.35
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	70.64	68.87	66.72	78.35
Transfer of fund from Shareholders' A/c	-119.92	191.23	6.40	74.72
Total Income	16,914.07	28,440.57	26,707.15	27,892.59
Commission & Brokerage (net) :
(a) First Year Commission	1,600.01	1,264.56	839.78	1,348.46
(b) Renewal Commission	144.64	138.44	106.85	189.63
(c) Single Commission	187.83	448.15	523.63	623.96
(d) Other Commission	0.00	0.00	0.00	0.00
Net Commission	1,932.48	1,851.15	1,470.26	2,162.05
Operating Expenses related to insurance business (ab)	1,553.33	1,681.36	1,267.23	1,760.48
(a) Employees remuneration and welfare expenses	830.20	811.75	694.46	726.55
(c) Advertisements	230.49	340.50	160.78	525.95
(d) Business development expenses	0.00	0.00	0.00	0.00
(e) Other operating expenses·	492.64	529.11	411.99	507.98
Premium Deficiency	0.00	0.00	0.00	0.00
Incurred Claims: -	13,479.62	24,752.11	23,393.46	23,576.47
(a) Claims Paid / Benefit Paid	9,179.16	10,298.62	8,827.78	12,420.52
(b) Change in Outstanding Claims (Incl. IBNR/IBNER)	0.00	0.00	0.00	0.00
(c) Changes in Actuarial Liabilities	4,300.46	14,453.49	14,565.68	11,155.95
Total Expense	16,965.43	28,284.62	26,130.95	27,499.00
Underwriting Profit/Loss	-194.17	-11,714.92	-13,621.33	-7,010.89
Provisions for doubtful debts (Including bad debts written off)	0.00	0.00	0.00	0.00
Provisions for diminution In value of investments	52.85	-2.75	3.39	3.17
Provisions for goods and service tax / service tax charge on linked charges	122.92	118.98	108.47	117.89
Provision for tax	-33.64	-470.66	-98.39	-0.29
Total Expenses Including Provisions	17,107.56	27,930.19	26,144.42	27,619.77
Operating Profit/Loss:	-193.49	510.38	562.73	272.82
Appropriations	-193.49	510.38	562.73	272.82
(a) Transfer to Profit and Loss A/c	0.00	0.00	0.00	0.00
(b) Transfer to Reserves / Shareholders' A/c	98.24	385.41	266.46	302.74
(c) Fund for Future Appropriations	-291.73	124.97	296.27	-29.92
Detail of Surplus / Deficit :
(a) Interim Bonus Paid	660.09	607.02	407.13	616.41
(b) Terminal Bonus Paid	159.63	169.90	160.02	345.67
(c) Allocation of bonus to Policyholders	0.00	0.00	0.00	923.72
(d) Surplus Shown in the Revenue A/c	-193.49	510.38	562.73	272.82
Total Surplus / Deficit	626.23	1,287.30	1,129.88	2,158.62
NON OPERATING RESULTS
Income in Shareholders' account (abc)	370.09	654.23	523.64	558.43
(a) Transfer from Policyholders' Fund	98.24	385.41	266.46	302.74
(b) Net Reinsurance Premium	0.00	0.00	0.00	0.00
(c)Total Income Under Shareholders' account (bc)	271.85	268.82	257.18	255.69
Income from investments	271.81	268.77	257.16	252.58
Other income	0.04	0.05	0.02	3.11
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	44.51	25.44	19.75	33.43
Transfer of fund to Policyholders' A/c	-119.92	191.23	6.40	74.72
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	0.68	0.00	0.00	0.57
Total Expenses	-74.73	216.67	26.15	108.72
Profit/Loss before Extraordinary items	444.82	437.56	497.49	449.71
Extraordinary Items before tax	0.00	0.00	0.00	0.00
Profit/(loss) before tax	444.82	437.56	497.49	449.71
Provisions for tax	29.88	4.57	19.84	38.05
Profit/(loss) after tax	414.94	432.99	477.65	411.66
Extraordinary Items	0.00	0.00	0.00	0.00
Net Profit	414.94	432.99	477.65	411.66
Dividend per share (Rs)	0.00	0.00	0.00	2.00
(a) Interim Dividend	0.00	0.00	0.00	0.00
(b) Final Dividend	0.00	0.00	0.00	2.00
Opening Balance and Appropriations from PAT (Net)	0.00	0.00	0.00	0.00
Profit/ (Loss) carried to Balance Sheet	9,153.96	8,739.02	8,736.23	8,258.58
Paid up equity share capital	2,152.80	2,152.22	2,150.98	2,150.94
Reserve & Surplus (excluding Revaluation Reserve)	13,040.42	12,595.83	12,529.72	12,050.30
Fair Value Change Account and Revaluation Reserve	583.32	833.71	652.97	450.50
Face Value	10.00	10.00	10.00	10.00
Total Assets:
(a) Investments:	328,683.96	324,941.92	310,244.04	292,220.08
- Shareholders' Fund	17,017.64	15,866.06	15,526.30	14,881.88
- Policyholders' Fund	207,053.22	199,873.78	191,388.63	181,796.57
- Assets held to cover linked liabilities	104,613.10	109,202.08	103,329.11	95,541.63
(b) Other Assets (Net of current liabilities and provisions)	1,879.25	2,781.55	942.55	1,509.24
Nominal Value Per Share	0.00	0.00	0.00	0.00
Analytical Ratios:
Solvency Ratio	188.00	181.00	186.00	187.00
Expenses of Management Ratio	20.20	20.90	21.40	18.70
Policyholder's Liabilities to Shareholder's fund	1,982.90	1,996.70	1,923.20	1,898.30
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	1.93	2.01	2.22	1.91
(b) Diluted EPS	1.93	2.01	2.22	1.91
NPA ratios:
a) Gross NPAs	70.02	66.27	66.27	66.27
b) Net NPAs	0.00	0.00	0.00	0.00
(%) Gross Non Performing Assets	0.10	0.10	0.10	0.10
(%) Net Non Performing Assets	0.00	0.00	0.00	0.00