HDFC Life Insurance Company Ltd

HDFCLIFE

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Market Cap

₹ 1,66,562 Cr

P/E

87.96

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Performance

STEADY PERFORMER

Valuation

OVERVALUED

Growth

SLUGGISH

Profitability

LOW MARGIN

Technicals

Bullish

Risk

MODERATE RISK

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Price

PE Ratio

Price

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Overview

Detailed Summary

HDFC Life Insurance Company Limited is a leading long-term life insurance solution provider in India, originally formed as a joint venture between HDFC Limited and Abrdn plc. It offers a diverse range of individual and group insurance solutions covering protection, pension, savings, investment, annuity, and health.

HDFC Life has demonstrated steady financial growth, with innovations in product offerings like non-linked and participating life insurance plans driving new business premium growth. It maintains robust financial health with a high AUM and a solvency ratio above 175%.

The company's distributive strategy is diverse, including bancassurance, digital channels, and an expansive agent network, effectively catering to various customer segments including underserved Tier 2 and Tier 3 markets.

HDFC Life is committed to leveraging technology and AI to enhance operational efficiency, customer engagement, and market reach. Initiatives like project Inspire demonstrate a strategic shift towards modern digital capabilities.

The company emphasizes sustainability and ESG-focused growth, reflected in sustainable fund growth and improved gender diversity. It actively pursues green initiatives like energy-efficient offices and robust CSR efforts.

Sector

Insurance

Industry

Life Insurance

Market Cap

1,66,562 Cr

Volatility

Low Risk

P/E Ratio

88.0

Industry P/E

18.9

PEG Ratio

4.6

P/B Ratio

9.8

52W High

820.50

52W Low

584.65

Sales CAGR

-8.44%

13.65%

26.81%

10Y

20.38%

Profit CAGR

15.04%

14.27%

6.83%

10Y

9.17%

ROE

TTM

11.16%

10.85%

10.93%

10Y

13.91%

ROCE

TTM

0.55%

0.59%

10Y

0.73%

Technicals

‌

Forecasts

No. of Analysts

42

1Y Price Target

881.06 ▲ 15.35%

Q3 EPS Estimate

Q3 Revenue Estimate

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Price, EPS and Revenue Projections

Strong SellSellHoldBuyStrong Buy

Buy

Strong Buy

Buy

Hold

Sell

Strong Sell

updated on

Dec 03, 2025

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
SBILIFE	2036.60	2,03,990 Cr	83.14	11.15	0.13	13.41	0.56	0.50
HDFCLIFE	771.20	1,66,562 Cr	87.96	9.81	0.27	11.16	0.55	0.51
ICICIGI	1948.10	97,140 Cr	34.69	6.07	0.64	17.51	22.28	4.72
ICICIPRULI	649.25	93,943 Cr	71.87	7.41	0.13	10.28	0.56	0.40
GICRE	380.30	67,106 Cr	7.01	0.99	2.61	14.17	11.80	4.32
MFSL	1696.15	58,575 Cr	357.32	11.04	0.00	3.04	3.53	0.10
GODIGIT	347.20	32,242 Cr	63.46	6.96	0.00	10.97	10.50	2.18

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Sales	23,243	23,019	26,735	27,945	26,750	28,489	16,979	23,965	29,285	20,422
Expenses	23,030	22,789	26,672	27,669	26,186	27,977	17,169	23,799	29,200	20,592
Operating Profit	213	230	63	276	564	512	-190	166	85	-170
OPM %	0.92	1.00	0.24	0.99	2.11	1.80	-1.12	0.69	0.29	-0.83
Other Income	205	102	306	174	-65	-72	642	320	479	638
Interest	—	—	—	—	—	—	—	—	—	—
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	418	332	369	450	499	440	452	486	564	468
Tax %	—	—	—	—	—	—	—	—	—	—
Net Profit	417	378	368	412	479	435	421	475	548	448
EPS in Rs	1.93	1.76	1.71	1.91	2.22	2.02	1.96	2.21	2.54	2.08

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	30,554	32,234	38,443	29,283	71,320	67,059	70,828	1,00,941	96,184	98,719
Expenses	29,607	31,139	37,087	28,304	70,221	66,016	69,466	1,00,158	95,131	98,145
Operating Profit	948	1,095	1,357	979	1,099	1,043	1,362	783	1,053	574
OPM %	3.10	3.40	3.53	3.34	1.54	1.56	1.92	0.78	1.09	0.58
Other Income	-39	30	-65	335	255	259	-80	787	825	1,369
Interest	—	—	—	—	—	—	—	—	—	0.00
Depreciation	—	—	—	—	—	—	—	—	—	0.00
Profit Before Tax	909	1,125	1,291	1,314	1,354	1,303	1,282	1,570	1,878	1,942
Tax %	—	—	—	—	—	—	—	—	—	3.20
Net Profit	887	1,107	1,278	1,297	1,361	1,327	1,368	1,574	1,811	1,880
EPS in Rs	—	—	5.92	6.01	6.30	6.22	6.39	7.30	8.40	8.78
Dividend Payout %	24.89	24.77	25.75	0.00	30.01	26.23	29.64	27.36	24.97	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	1,995	1,998	2,012	2,017	2,019	2,021	2,113	2,149	2,151	2,153
Reserves	1,158	1,828	2,724	3,625	4,788	6,619	13,501	10,844	12,515	14,002
Borrowings	0.00	0.00	0.00	0.00	0.00	600	600	950	950	2,950
Other Liabilities	73,441	91,270	1,05,748	1,24,378	1,25,417	1,70,415	2,14,521	2,34,126	2,87,071	3,30,307
Total Liabilities	76,594	95,097	1,10,483	1,30,020	1,32,224	1,79,655	2,30,734	2,48,069	3,02,687	3,49,412
Fixed Assets	397	353	342	334	331	342	5,984	382	420	609
CWIP	12	16	5.28	10	8.41	14	20	31	28	109
Investments	74,144	91,723	1,06,590	1,25,538	1,27,256	1,73,821	2,17,192	2,38,843	2,92,284	3,36,399
Other Assets	2,041	3,004	3,546	4,138	4,629	5,478	7,539	8,813	9,955	12,295
Total Assets	76,594	95,097	1,10,483	1,30,020	1,32,224	1,79,655	2,30,734	2,48,069	3,02,687	3,49,412

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	5,687	6,230	6,739	9,868	7,388	9,703	5,943	6,883	10,721	15,597
Cash from Investing Activity	-3,962	-5,177	-4,421	-10,182	-7,789	-8,952	-801	-10,071	-13,614	-13,633
Cash from Financing Activity	-212	-236	-196	-337	38	678	-238	1,985	-403	1,607
Net Cash Flow	1,513	817	2,122	-651	-364	1,429	4,904	-1,203	-3,296	3,572

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	50.33%	50.33%	50.34%	50.40%	50.39%	50.38%	50.38%	50.35%	50.34%	50.33%	50.29%	50.26%
FIIs	30.15%	29.86%	30.89%	30.53%	31.28%	30.04%	26.64%	25.63%	25.15%	24.95%	24.76%	24.82%
DIIs	6.23%	6.62%	6.17%	6.88%	6.58%	7.94%	11.24%	13.25%	13.74%	14.11%	14.58%	14.60%
Public	13.29%	13.19%	12.59%	12.20%	11.75%	11.64%	11.74%	10.77%	10.78%	10.61%	10.37%	10.32%
Total Shareholders	9,92,975	10,05,702	9,26,138	8,75,877	8,44,728	8,58,844	8,92,355	7,83,844	7,91,447	7,71,949	7,38,630	7,26,959

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Aug 12, 2024	Nagesh pai	Insider - Designated Person	Acquisition	539.10	0.11 Cr	2,000	—
Aug 12, 2024	Nagesh pai	Insider - Designated Person	Acquisition	539.10	0.38 Cr	7,000	—
Aug 12, 2024	Vishal subharwal	Insider - Designated Person	Acquisition	531.55	2.09 Cr	39,337	0.00
Aug 12, 2024	Eshwari murugan	Insider - Designated Person	Acquisition	441.95	0.32 Cr	7,200	—
Aug 12, 2024	Ruchita vora	Insider - Designated Person	Acquisition	539.10	0.24 Cr	4,500	—
Aug 12, 2024	Vishal bandlish	Insider - Designated Person	Acquisition	391.60	0.48 Cr	12,230	—
Aug 12, 2024	Vishal bandlish	Insider - Designated Person	Acquisition	441.95	0.08 Cr	1,886	—
Aug 12, 2024	Vishal bandlish	Insider - Designated Person	Acquisition	441.95	0.50 Cr	11,314	—
Jan 18, 2024	Ruchita vora	Insider - Designated Person	Acquisition	539.10	0.16 Cr	3,000	—
Jan 18, 2024	Vibha padalkar	Insider - Director	Acquisition	531.55	6.78 Cr	1,27,500	0.00

Projection

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Actions

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Announcements

Last 7 days

Newest

Sentiment

Corporate Action

1 day ago

Allotment of Non-Convertible Debentures

HDFC Life has allotted 74,900 unsecured, rated, non-convertible debentures with a face value of ₹ 1,00,000 each, totaling ₹ 7,49,00,00,000, on a private placement basis.

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

Investor Presentation

Q1 FY25

Investor Presentation

Q4 FY24

Investor Presentation

Q3 FY24

Showing 1 - 8 of 14

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Overview

Detailed Summary

Sector

Insurance

Industry

Life Insurance

Market Cap

1,66,562 Cr

Volatility

Low Risk

P/E Ratio

88.0

Industry P/E

18.9

PEG Ratio

4.6

P/B Ratio

9.8

52W High

820.50

52W Low

584.65

Sales CAGR

-8.44%

13.65%

26.81%

10Y

20.38%

Profit CAGR

15.04%

14.27%

6.83%

10Y

9.17%

ROE

TTM

11.16%

10.85%

10.93%

10Y

13.91%

ROCE

TTM

0.55%

0.59%

10Y

0.73%