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HDFC Life Insurance Company (HDFCLIFE) investor relations material
HDFC Life Insurance Company Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary15 Oct, 2025
Executive summary
Achieved 10% year-over-year growth in APE and VNB for H1 FY26, with VNB reaching Rs 18.2 Bn and over 70% of new customers being first-time buyers.
Profit after tax for H1 FY26 rose 9% year-over-year to Rs 9.9 Bn, with stable margins and high claim settlement ratios (99.8% overall, 99.7% individual).
Renewal premium grew 18% year-over-year to Rs 179.4 Bn, and AUM increased 11% to Rs 3,600 Bn.
Product mix remained balanced: ULIPs 42%, participating products 29%, non-PAR savings 18%, term 7%, annuity 4%.
Board approved unaudited financial results and in-principle approval for raising up to ₹750 crore via NCDs.
Financial highlights
Total premium for H1 FY26 was Rs 333.7 Bn, up from Rs 296.3 Bn in H1 FY25.
Embedded value stood at Rs 595.4 Bn, with an operating RoEV of 15.8% (rolling 12 months).
Solvency ratio at 175%, impacted by dividend payouts, subordinated debt repayment, and GST changes.
Assets under management surpassed Rs 3,600 Bn, including HDFC Pension Fund Management.
Standalone and consolidated PAT for H1 FY26 were Rs 9.94 Bn and Rs 9.97 Bn, respectively.
Outlook and guidance
Margin impact from GST to be neutralized over the next two to three quarters through operational adjustments and distributor/vendor negotiations.
Growth guidance remains in the early teens, with upside possible if GST-driven volume uptick materializes.
Focus on sustainable, profitable growth by tapping new profit pools, expanding distribution, and investing in technology and analytics.
Results reflect seasonality; interim period results may not indicate full-year performance.
NCD issuance strategy after recent redemption?
Update on GST disputed tax demand?
Impact of unreviewed subsidiary financials?
GST impact on VNB margin neutralization plan?
Solvency ratio outlook and capital plans?
What drives ULIP margin improvement?
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Next HDFC Life Insurance Company earnings date
Q3 25/2614 Jan, 2026
Next HDFC Life Insurance Company earnings date
Q3 25/2614 Jan, 2026
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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.
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