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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
HDFC Life Insurance Company
HDFC Life Insurance Company (HDFCLIFE) investor relations material
HDFC Life Insurance Company Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary15 Oct, 2026
Executive summary
H1 individual APE grew 9%, total APE 11% to Rs 82.5bn, VNB 12% and PAT 13%; Q2 total APE growth accelerated to 13%.
Renewal premium rose 14% to Rs 204.4bn, supporting recurring income; new business margin was 24.7% versus 24.5% a year earlier.
Embedded value reached Rs 664.6bn and solvency was 180% at September 2026.
Financial highlights
H1 total premium was Rs 395.7bn; new business premium was Rs 191.2bn, versus Rs 341.6bn and Rs 162.2bn, respectively, in H1 FY26.
H1 VNB was Rs 20.4bn, up 12%; Q2 VNB grew 15%.
Standalone H1 PAT was Rs 1,119.42 crore, up 13%; consolidated H1 PAT was ₹113,279 lakh versus ₹99,664 lakh.
AUM reached Rs 4.1 trillion, up 14% YoY; H1 consolidated net premium income was ₹3,858,342 lakh.
H1 individual APE mix: unit-linked 45%, non-par savings 22%, participating 13%, annuity 12% and retail protection 8%.
Outlook and guidance
FY27 growth expectation is in line with the industry, with management expecting recent momentum to continue.
VNB growth is targeted in line with APE or slightly ahead; scale-related margin gains may be reinvested in distribution and technology.
Retail protection growth is expected to normalize against a high base while remaining strong on a two-year CAGR basis.
Strategic priorities include new profit pools, diversified distribution, customer-focused product innovation and continued risk management.
More than 30 GenAI use cases were deployed, alongside an in-house Agentic AI platform; technology priorities span servicing, distribution, operations and risk.
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Latest events from HDFC Life Insurance Company
- Profit rose 61% as AUM expanded 25%, despite weak individual new business.HDFCLIFE
Q4 13/14 - Premium and PAT grew strongly as margins improved, despite market-linked income and persistency headwinds.HDFCLIFEQ4 17/18
- Premium grew 19%, margins reached 21.6%, and the Max Life merger remained pending.HDFCLIFEQ4 16/17
- Premiums surged 58% as distribution expanded, while shareholder losses and disputed tax demands persisted.HDFCLIFEQ4 06/07
- Premiums rose 26%, AUM reached ₹20,767 crore, and solvency stood at 180%.HDFCLIFEQ4 09/10
- Premium growth and stronger policyholder surplus offset by wider losses and market-driven investment declines.HDFCLIFEQ4 08/09
- Premium growth, market-share gains and a narrower loss despite industry disruption.HDFCLIFEQ4 10/11
- Premium rose 23%, PAT 8% and AUM 33% as persistency improved.HDFCLIFEQ4 14/15
- Premium and AUM grew as investment and expense pressure rose.HDFCLIFEQ4 15/16
- Premium and VNB grew strongly as Exide Life integration expanded scale.HDFCLIFEQ4 22/23
Next HDFC Life Insurance Company earnings date
Q3 26/2714 Jan, 2027
HDFC Life Insurance Company
Next HDFC Life Insurance Company earnings date
Q3 26/2714 Jan, 2027
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Frequently asked questions
HDFC Life offers online indeminity, individual and group insurance and investment products with the objective to help its customers achieve their financial goals and dreams in life. Customers can choose from a wide range of policies from individual health, family floater, critical illness, term insurance etc. It offers their comprehensive range of financial products and services to individuals, enterprises and corporate houses. Today, HDFC Life is one of the largest private sector insurer in India with a significant presence across the globe.