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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)	Sep 2024	Jun 2024	Mar 2024	Dec 2023

OPERATING RESULTS :
Gross premiums Written:	16927.45	12810.88	20937.56	15525.86
(a) First Year Premium	3,253.45	2,357.90	4,014.62	2,679.21
(b) Renewal Premium	8,831.02	6,410.63	11,405.96	8,396.16
(c) Single Premium	4,842.98	4,042.35	5,516.98	4,450.49
(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)	16,569.70	12,509.62	20,488.11	15,235.33
Income from investments (Net) (Insurance)	11,610.77	14,124.41	7,251.41	11,369.81
Other income (Insurance)	68.87	66.72	78.35	70.35
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	68.87	66.72	78.35	70.35
Transfer of fund from Shareholders' A/c	191.23	6.40	74.72	19.28
Total Income	28,440.57	26,707.15	27,892.59	26,694.77
Commission & Brokerage (net) :
(a) First Year Commission	1,264.56	839.78	1,348.46	674.68
(b) Renewal Commission	138.44	106.85	189.63	127.52
(c) Single Commission	448.15	523.63	623.96	443.47
(d) Other Commission	0.00	0.00	0.00	0.00
Net Commission	1,851.15	1,470.26	2,162.05	1,245.67
Operating Expenses related to insurance business (ab)	1,681.36	1,267.23	1,760.48	1,774.05
(a) Employees remuneration and welfare expenses	811.75	694.46	726.55	790.10
(c) Advertisements	340.50	160.78	525.95	509.66
(d) Business development expenses	0.00	0.00	0.00	0.00
(e) Other operating expenses·	529.11	411.99	507.98	474.29
Premium Deficiency	0.00	0.00	0.00	0.00
Incurred Claims: -	24,752.11	23,393.46	23,576.47	23,549.78
(a) Claims Paid / Benefit Paid	10,298.62	8,827.78	12,420.52	9,866.08
(b) Change in Outstanding Claims (Incl. IBNR/IBNER)	0.00	0.00	0.00	0.00
(c) Changes in Actuarial Liabilities	14,453.49	14,565.68	11,155.95	13,683.70
Total Expense	28,284.62	26,130.95	27,499.00	26,569.50
Underwriting Profit/Loss	-11,714.92	-13,621.33	-7,010.89	-11,334.17
Provisions for doubtful debts (Including bad debts written off)	0.00	0.00	0.00	0.00
Provisions for diminution In value of investments	-2.75	3.39	3.17	-37.48
Provisions for goods and service tax / service tax charge on linked charges	118.98	108.47	117.89	103.88
Provision for tax	-470.66	-98.39	-0.29	-2.41
Total Expenses Including Provisions	27,930.19	26,144.42	27,619.77	26,633.49
Operating Profit/Loss:	510.38	562.73	272.82	61.28
Appropriations	510.38	562.73	272.82	61.28
(a) Transfer to Profit and Loss A/c	0.00	0.00	0.00	0.00
(b) Transfer to Reserves / Shareholders' A/c	385.41	266.46	302.74	129.29
(c) Fund for Future Appropriations	124.97	296.27	-29.92	-68.01
Detail of Surplus / Deficit :
(a) Interim Bonus Paid	607.02	407.13	616.41	493.36
(b) Terminal Bonus Paid	169.90	160.02	345.67	273.38
(c) Allocation of bonus to Policyholders	0.00	0.00	923.72	0.00
(d) Surplus Shown in the Revenue A/c	510.38	562.73	272.82	61.28
Total Surplus / Deficit	1,287.30	1,129.88	2,158.62	828.02
NON OPERATING RESULTS
Income in Shareholders' account (abc)	654.23	523.64	558.43	410.34
(a) Transfer from Policyholders' Fund	385.41	266.46	302.74	129.29
(b) Net Reinsurance Premium	0.00	0.00	0.00	0.00
(c)Total Income Under Shareholders' account (bc)	268.82	257.18	255.69	281.05
Income from investments	268.77	257.16	252.58	281.05
Other income	0.05	0.02	3.11	0.00
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	25.44	19.75	33.43	27.32
Transfer of fund to Policyholders' A/c	191.23	6.40	74.72	19.28
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	0.00	0.00	0.57	-3.09
Total Expenses	216.67	26.15	108.72	43.51
Profit/Loss before Extraordinary items	437.56	497.49	449.71	366.83
Extraordinary Items before tax	0.00	0.00	0.00	0.00
Profit/(loss) before tax	437.56	497.49	449.71	366.83
Provisions for tax	4.57	19.84	38.05	1.77
Profit/(loss) after tax	432.99	477.65	411.66	365.06
Extraordinary Items	0.00	0.00	0.00	0.00
Net Profit	432.99	477.65	411.66	365.06
Dividend per share (Rs)	0.00	0.00	2.00	0.00
(a) Interim Dividend	0.00	0.00	0.00	0.00
(b) Final Dividend	0.00	0.00	2.00	0.00
Opening Balance and Appropriations from PAT (Net)	0.00	0.00	0.00	0.00
Profit/ (Loss) carried to Balance Sheet	8,739.02	8,736.23	8,258.58	7,846.92
Paid up equity share capital	2,152.22	2,150.98	2,150.94	2,150.66
Reserve & Surplus (excluding Revaluation Reserve)	12,595.83	12,529.72	12,050.30	11,624.51
Fair Value Change Account and Revaluation Reserve	833.71	652.97	450.50	384.79
Face Value	10.00	10.00	10.00	10.00
Total Assets:
(a) Investments:	324,941.92	310,244.04	292,220.08	279,706.58
- Shareholders' Fund	15,866.06	15,526.30	14,881.88	14,535.89
- Policyholders' Fund	199,873.78	191,388.63	181,796.57	171,324.89
- Assets held to cover linked liabilities	109,202.08	103,329.11	95,541.63	93,845.80
(b) Other Assets (Net of current liabilities and provisions)	2,781.55	942.55	1,509.24	1,062.56
Nominal Value Per Share	0.00	0.00	0.00	0.00
Analytical Ratios:
Solvency Ratio	181.00	186.00	187.00	190.00
Expenses of Management Ratio	20.90	21.40	18.70	19.40
Policyholder's Liabilities to Shareholder's fund	1,996.70	1,923.20	1,898.30	1,875.20
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	2.01	2.22	1.91	1.70
(b) Diluted EPS	2.01	2.22	1.91	1.70
NPA ratios:
a) Gross NPAs	66.27	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	0.07
(%) Net Non Performing Assets	0.00	0.00	0.00	0.00