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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 (%) 0.29	Market Cap (₹ Cr.) 155,036.68	P/E 89.23	EPS 8.07	Face Value 10

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

OPERATING RESULTS :
Gross premiums Written:	24031.57	17275.01	16927.45	12810.88
(a) First Year Premium	4,395.95	2,968.77	3,253.45	2,357.90
(b) Renewal Premium	13,062.34	9,375.62	8,831.02	6,410.63
(c) Single Premium	6,573.28	4,930.62	4,842.98	4,042.35
(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)	23,765.56	16,771.26	16,569.70	12,509.62
Income from investments (Net) (Insurance)	18.02	192.09	11,610.77	14,124.41
Other income (Insurance)	76.77	70.64	68.87	66.72
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	76.77	70.64	68.87	66.72
Transfer of fund from Shareholders' A/c	22.70	-119.92	191.23	6.40
Total Income	23,883.05	16,914.07	28,440.57	26,707.15
Commission & Brokerage (net) :
(a) First Year Commission	2,155.97	1,600.01	1,264.56	839.78
(b) Renewal Commission	199.64	144.64	138.44	106.85
(c) Single Commission	225.79	187.83	448.15	523.63
(d) Other Commission	0.00	0.00	0.00	0.00
Net Commission	2,581.40	1,932.48	1,851.15	1,470.26
Operating Expenses related to insurance business (ab)	1,719.86	1,553.33	1,681.36	1,267.23
(a) Employees remuneration and welfare expenses	861.62	830.20	811.75	694.46
(c) Advertisements	310.41	230.49	340.50	160.78
(d) Business development expenses	0.00	0.00	0.00	0.00
(e) Other operating expenses·	547.83	492.64	529.11	411.99
Premium Deficiency	0.00	0.00	0.00	0.00
Incurred Claims: -	19,236.29	13,479.62	24,752.11	23,393.46
(a) Claims Paid / Benefit Paid	11,040.37	9,179.16	10,298.62	8,827.78
(b) Change in Outstanding Claims (Incl. IBNR/IBNER)	0.00	0.00	0.00	0.00
(c) Changes in Actuarial Liabilities	8,195.92	4,300.46	14,453.49	14,565.68
Total Expense	23,537.55	16,965.43	28,284.62	26,130.95
Underwriting Profit/Loss	228.01	-194.17	-11,714.92	-13,621.33
Provisions for doubtful debts (Including bad debts written off)	0.00	0.00	0.00	0.00
Provisions for diminution In value of investments	28.85	52.85	-2.75	3.39
Provisions for goods and service tax / service tax charge on linked charges	138.83	122.92	118.98	108.47
Provision for tax	14.49	-33.64	-470.66	-98.39
Total Expenses Including Provisions	23,719.72	17,107.56	27,930.19	26,144.42
Operating Profit/Loss:	163.33	-193.49	510.38	562.73
Appropriations	163.33	-193.49	510.38	562.73
(a) Transfer to Profit and Loss A/c	0.00	0.00	0.00	0.00
(b) Transfer to Reserves / Shareholders' A/c	246.67	98.24	385.41	266.46
(c) Fund for Future Appropriations	-83.34	-291.73	124.97	296.27
Detail of Surplus / Deficit :
(a) Interim Bonus Paid	760.76	660.09	607.02	407.13
(b) Terminal Bonus Paid	174.83	159.63	169.90	160.02
(c) Allocation of bonus to Policyholders	870.56	0.00	0.00	0.00
(d) Surplus Shown in the Revenue A/c	163.33	-193.49	510.38	562.73
Total Surplus / Deficit	1,969.48	626.23	1,287.30	1,129.88
NON OPERATING RESULTS
Income in Shareholders' account (abc)	574.05	370.09	654.23	523.64
(a) Transfer from Policyholders' Fund	246.67	98.24	385.41	266.46
(b) Net Reinsurance Premium	0.00	0.00	0.00	0.00
(c)Total Income Under Shareholders' account (bc)	327.38	271.85	268.82	257.18
Income from investments	327.35	271.81	268.77	257.16
Other income	0.03	0.04	0.05	0.02
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	53.24	44.51	25.44	19.75
Transfer of fund to Policyholders' A/c	22.70	-119.92	191.23	6.40
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	11.90	0.68	0.00	0.00
Total Expenses	87.84	-74.73	216.67	26.15
Profit/Loss before Extraordinary items	486.21	444.82	437.56	497.49
Extraordinary Items before tax	0.00	0.00	0.00	0.00
Profit/(loss) before tax	486.21	444.82	437.56	497.49
Provisions for tax	9.67	29.88	4.57	19.84
Profit/(loss) after tax	476.54	414.94	432.99	477.65
Extraordinary Items	0.00	0.00	0.00	0.00
Net Profit	476.54	414.94	432.99	477.65
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	9,630.48	9,153.96	8,739.02	8,736.23
Paid up equity share capital	2,152.99	2,152.80	2,152.22	2,150.98
Reserve & Surplus (excluding Revaluation Reserve)	13,525.99	13,040.42	12,595.83	12,529.72
Fair Value Change Account and Revaluation Reserve	445.98	583.32	833.71	652.97
Face Value	10.00	10.00	10.00	10.00
Total Assets:
(a) Investments:	336,281.53	328,683.96	324,941.92	310,244.04
- Shareholders' Fund	18,386.33	17,017.64	15,866.06	15,526.30
- Policyholders' Fund	216,267.05	207,053.22	199,873.78	191,388.63
- Assets held to cover linked liabilities	101,628.15	104,613.10	109,202.08	103,329.11
(b) Other Assets (Net of current liabilities and provisions)	3,252.63	1,879.25	2,781.55	942.55
Nominal Value Per Share	0.00	0.00	0.00	0.00
Analytical Ratios:
Solvency Ratio	194.00	188.00	181.00	186.00
Expenses of Management Ratio	17.90	20.20	20.90	21.40
Policyholder's Liabilities to Shareholder's fund	1,987.30	1,982.90	1,996.70	1,923.20
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	2.21	1.93	2.01	2.22
(b) Diluted EPS	2.21	1.93	2.01	2.22
NPA ratios:
a) Gross NPAs	59.90	70.02	66.27	66.27
b) Net NPAs	0.00	0.00	0.00	0.00
(%) Gross Non Performing Assets	0.07	0.09	0.10	0.10
(%) Net Non Performing Assets	0.00	0.00	0.00	0.00