Track HDFC Life Insurance live share price with 52 week high and low, interactive chart views, quick fundamentals, business segments, financial highlights, ratios, peer comparison, dividends, bonus/split notes and investor FAQs.
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HDFC Life Insurance Company Ltd is a listed Indian life insurance company serving individual and group customers through protection, savings, pension, annuity, unit-linked and group insurance products.
For customers, the company is relevant because life insurance can protect family income, support long-term savings and help plan retirement income. For investors, the company is usually studied through insurance-specific metrics such as annual premium equivalent, value of new business, value of new business margin, embedded value, solvency ratio, persistency and product mix.
This page is educational and does not provide buy, sell or hold recommendations. Investors should compare the latest financial statements, regulatory disclosures and exchange filings before using any static table.
A life insurer may report large premium and investment numbers because it manages policyholder funds. Profit, solvency, persistency, new business margins and embedded value can be more useful than only looking at revenue. Beginners should also understand that insurance accounting is different from many other sectors.
HDFC Life Insurance offers products across protection, savings, investment-linked insurance, retirement and group insurance needs. Segment mix matters because each product category can have different growth, margins, capital needs, persistency and sensitivity to interest rates or equity markets.
| Business area | What it means for customers | Investor monitorable |
|---|---|---|
| Protection | Term plans and life cover products designed to protect dependants against income loss. | Protection mix, claim experience, persistency and margin contribution |
| Savings and participating plans | Traditional policies that combine life cover with disciplined long-term savings. | Premium growth, surrender trends, bonuses declared and retention |
| Unit-linked insurance plans | Market-linked policies where returns depend on fund performance after charges. | Equity market conditions, fund flows, charges and persistency |
| Retirement, pension and annuity | Products designed to create retirement income or pension-style payouts. | Annuity demand, longevity assumptions and distribution reach |
| Group insurance | Insurance solutions sold to employers, lenders, institutions and affinity groups. | Group premium growth, renewals and credit-linked protection demand |
HDFC Life Insurance collects premiums from policyholders and provides life cover, savings benefits, retirement income or group insurance coverage depending on the policy. Premium money is invested according to product design and regulatory rules, while the company manages claims, persistency, expenses, distribution and capital requirements.
The business model depends on writing profitable new policies, retaining existing policyholders, maintaining solvency, controlling operating expenses and matching products with customer needs. Distribution channels, digital onboarding, agency productivity, corporate partnerships and other partnerships can influence growth.
For investors, important monitorables include premium growth, value of new business margin, embedded value growth, persistency ratios, product mix, claim trends, solvency margin, investment performance and regulatory changes affecting tax or commissions.
The profit and loss table helps beginners see broad trends in income, expenses, operating profit and net profit. Insurance company revenue can be affected by premium mix, investment income and actuarial accounting, so investors should read quarterly results and annual reports for context.
| Particulars | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Net sales / total income | ₹1,01,482 Cr | ₹92,922 Cr | ₹99,432 Cr |
| Expenses | ₹1,00,836 Cr | ₹91,894 Cr | ₹98,298 Cr |
| Operating profit | ₹646 Cr | ₹1,028 Cr | ₹1,133 Cr |
| Operating margin | 1% | 1% | 1% |
| Other income | ₹410 Cr | ₹366 Cr | ₹924 Cr |
| Profit before tax | ₹977 Cr | ₹1,290 Cr | ₹2,057 Cr |
| Net profit | ₹1,574 Cr | ₹1,811 Cr | ₹1,912 Cr |
| EPS | ₹7.32 | ₹8.41 | ₹8.86 |
| Dividend payout | 27% | 25% | 24% |
For a life insurer, investments and policyholder liabilities are central balance sheet items. Capital, reserves, solvency and asset quality should be reviewed along with total assets and liabilities.
| Particulars | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Equity capital | ₹2,151 Cr | ₹2,153 Cr | ₹2,158 Cr |
| Reserves | ₹12,515 Cr | ₹14,002 Cr | ₹15,592 Cr |
| Borrowings | ₹950 Cr | ₹2,950 Cr | ₹3,099 Cr |
| Other liabilities | ₹2,87,071 Cr | ₹3,30,307 Cr | ₹3,69,654 Cr |
| Total liabilities | ₹3,02,687 Cr | ₹3,49,412 Cr | ₹3,90,502 Cr |
| Fixed assets | ₹1,549 Cr | ₹2,143 Cr | ₹746 Cr |
| Investments | ₹2,91,128 Cr | ₹3,34,756 Cr | ₹3,75,448 Cr |
| Other assets | ₹9,982 Cr | ₹12,404 Cr | ₹14,308 Cr |
| Total assets | ₹3,02,687 Cr | ₹3,49,412 Cr | ₹3,90,502 Cr |
Cash flow data can move sharply for insurers because premium collection, claims, investment purchases and investment sales happen continuously. Use this table as a directional view and verify the latest audited cash flow statement from official filings.
| Particulars | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Cash from operating activity | ₹10,721 Cr | ₹15,597 Cr | ₹22,625 Cr |
| Cash from investing activity | -₹13,622 Cr | -₹13,633 Cr | -₹23,871 Cr |
| Cash from financing activity | -₹403 Cr | ₹1,607 Cr | -₹275 Cr |
| Net cash flow | -₹3,304 Cr | ₹3,572 Cr | -₹1,521 Cr |
| Free cash flow | ₹10,587 Cr | ₹15,300 Cr | ₹22,341 Cr |
| CFO / Operating Profit | 1,444% | 1,543% | 2,014% |
General ratios such as P/E, P/B, ROE and dividend payout are useful, but insurance businesses also require insurance-specific ratios such as solvency, persistency, value of new business margin and embedded value growth.
| Metric | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| ROCE | 5% | 7% | 10% |
| Return on Equity | 10Y: 14% | 5Y: 11% | Last year: 11% |
| Compounded Sales Growth | 10Y: 19% | 5Y: 7% | 3Y: 12% |
| Compounded Profit Growth | 10Y: 9% | 5Y: 7% | 3Y: 12% |
| Stock Price CAGR | 5Y: -4% | 3Y: -2% | 1Y: -26% |
| Dividend Payout | 27% | 25% | 24% |
Peer comparison should be done carefully because listed insurers may differ by product mix, distribution strength, embedded value, margins, persistency, solvency and customer segment. Verify current peer valuations before making comparisons.
| Company | Business focus | Market Cap | P/E | Book Value | Dividend Yield | ROE |
|---|---|---|---|---|---|---|
| HDFC Life Insurance Company Ltd | Life insurance | ₹1,25,506 Cr | 65.6 | ₹82.3 | 0.37% | 11.3% |
| SBI Life Insurance Company Ltd | Life insurance | Check latest | Check latest | Check latest | Check latest | Check latest |
| ICICI Prudential Life Insurance Company Ltd | Life insurance | Check latest | Check latest | Check latest | Check latest | Check latest |
| Life Insurance Corporation of India | Life insurance | Check latest | Check latest | Check latest | Check latest | Check latest |
| Max Financial Services Ltd | Life insurance holding company | Check latest | Check latest | Check latest | Check latest | Check latest |
Corporate actions can affect shareholder returns and historical price charts. Dividend, bonus and split information must be verified from official exchange filings because record dates, approvals and payment dates can change.
| Year | Dividend Detail | Note |
|---|---|---|
| FY 2025-26 | Final dividend of ₹2.10 per equity share shown in recent market data sources | Verify record date, approval status and payment date from exchange filings |
| FY 2024-25 | Final dividend of ₹2.10 per equity share shown in historical dividend data | Verify from annual report and exchange announcements |
| FY 2023-24 | Final dividend of ₹2.00 per equity share shown in historical dividend data | Verify from annual report and exchange announcements |
| Action | Detail | Note |
|---|---|---|
| Bonus Issue | No bonus value is assumed on this page | Check NSE, BSE and company filings for confirmed corporate actions |
| Face Value | ₹10.00 | Face value may change after splits or consolidations; verify latest filings |
| Split | No split value is assumed on this page | Check exchange-confirmed split history before using historical comparisons |
Important: Verify the latest dividend, bonus, split, face value, record date and payment date directly from NSE, BSE and company investor relations announcements. This page is educational and avoids buy/sell recommendations.
These FAQs answer common AI-search-style questions about the company, products, business model, share price tracking, risks, dividends, policy comparison and investor monitorables.
HDFC Life Insurance Company Ltd is an Indian life insurer offering protection, savings, retirement, annuity, pension, child, unit-linked and group insurance solutions for individual and institutional customers.
The NSE symbol is HDFCLIFE and the Yahoo Finance-compatible symbol used on this page is HDFCLIFE.NS. Investors should verify live price, symbol and corporate action data from NSE, BSE and company filings.
A life insurer earns premium from customers, invests policyholder and shareholder funds, manages claims and persistency, and creates value from profitable new business written over time.
The product range generally includes term insurance, savings plans, unit-linked insurance plans, retirement and pension plans, annuity products, child plans, riders and group insurance solutions.
No. HDFC Life is a life insurance company. Some policies include savings or market-linked features, but the core purpose of life insurance is financial protection for dependants.
Retail investors often monitor annual premium equivalent, new business premium, value of new business margin, embedded value, solvency ratio, persistency, claim ratio, product mix, expenses and profit after tax.
Important risks include slower premium growth, weak persistency, adverse claims experience, market volatility in unit-linked products, taxation or regulatory changes, competition, margin pressure and higher expenses.
HDFC Life Insurance has declared dividends in several recent years. Dividend amount, record date, payment date and eligibility can change, so investors should verify the latest details from exchange announcements.
Bonus and split history should always be checked from official exchange filings. This page does not assume future corporate actions or treat past actions as a guarantee of future dividends, bonus issues or splits.
Customers should compare life cover, premium affordability, policy benefits, riders, exclusions, surrender charges, fund options, tax treatment, policy term, payout choices and service quality.
HDFC Life focuses on life insurance, retirement and long-term savings products. General insurers focus on health, motor, travel, home and commercial insurance. Revenue drivers and risk patterns are different.
Share price reflects market expectations about the listed company. Policy quality should be judged separately using benefits, exclusions, claim process, charges, customer service and suitability.
Important sources include NSE filings, BSE filings, the company investor relations website, annual reports, quarterly results, investor presentations, solvency disclosures and regulatory updates.
No. This page is for educational stock research and customer understanding only. It avoids buy, sell or hold recommendations. Investors should do independent research or consult a qualified adviser.
