HDFC Life Insurance Company (HDFCLIFE) — Financial Results

HDFC Life reported ₹1,414 crores PAT for 9M FY26, growing 7% YoY despite GST headwinds. Individual APE grew 11% YoY with market share expanding to 10.9%. Protection products surged 42% YoY (9M) and 70% in Q3, driven by GST exemptions. VNB margins held at 24.4% (adjusted 13% growth excluding GST impact). GST impact moderated to ~200 bps in Q3 versus initial 300 bps estimate. A one-time ₹98 crore Labor Code charge pressured earnings. Embedded value reached ₹61,565 crores with 15.6% operating ROE. Solvency ratio remained strong at 180% post-subordinated debt issuance.

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About HDFC Life Insurance Company Limited (HDFCLIFE)

Financial Services · Insurance · Listed on NSE

Market Cap: ₹1,31,346.48 Cr P/E: 68.7

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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