Name: Capital Market Publishers India Pvt. Ltd.
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04 Oct, EOD - Indian

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BSE Code : 540777 | NSE Symbol : HDFCLIFE | ISIN : INE795G01014 | Industry : Insurance |

Quarterly Results

Particulars (₹ Cr)	Jun 2024	Mar 2024	Dec 2023	Sep 2023
OPERATING RESULTS :
Gross premiums Written:	12810.88	20937.56	15525.86	14940.27
(a) First Year Premium	2,357.90	4,014.62	2,679.21	2,565.55
(b) Renewal Premium	6,410.63	11,405.96	8,396.16	7,838.94
(c) Single Premium	4,042.35	5,516.98	4,450.49	4,535.78
(d) Other Gross Premiums	0.00	0.00	0.00	0.00
Net premium written	0.00	0.00	0.00	0.00
Premium Earned(Net)	12,509.62	20,488.11	15,235.33	14,755.96
Income from investments (Net) (Insurance)	14,124.41	7,251.41	11,369.81	8,104.41
Other income (Insurance)	66.72	78.35	70.35	100.67
Foreign Exchange Gain/(Loss)	0.00	0.00	0.00	0.00
Investment income from Pool (Terrorism / Nuclear)	0.00	0.00	0.00	0.00
Miscellaneous Income	66.72	78.35	70.35	100.67
Transfer of fund from Shareholders' A/c	6.40	74.72	19.28	13.23
Total Income	26,707.15	27,892.59	26,694.77	22,974.27
Commission & Brokerage (net) :
(a) First Year Commission	839.78	1,348.46	674.68	703.22
(b) Renewal Commission	106.85	189.63	127.52	121.69
(c) Single Commission	523.63	623.96	443.47	356.61
(d) Other Commission	0.00	0.00	0.00	5.35
Net Commission	1,470.26	2,162.05	1,245.67	1,186.87
Operating Expenses related to insurance business (ab)	1,267.23	1,760.48	1,774.05	1,740.12
(a) Employees remuneration and welfare expenses	694.46	726.55	790.10	828.60
(c) Advertisements	160.78	525.95	509.66	404.07
(d) Business development expenses	0.00	0.00	0.00	132.96
(e) Other operating expenses·	411.99	507.98	474.29	374.49
Premium Deficiency	0.00	0.00	0.00	0.00
Incurred Claims: -	23,393.46	23,576.47	23,549.78	20,353.16
(a) Claims Paid / Benefit Paid	8,827.78	12,420.52	9,866.08	9,337.06
(b) Change in Outstanding Claims (Incl. IBNR/IBNER)	0.00	0.00	0.00	0.00
(c) Changes in Actuarial Liabilities	14,565.68	11,155.95	13,683.70	11,016.10
Total Expense	26,130.95	27,499.00	26,569.50	23,280.15
Underwriting Profit/Loss	-13,621.33	-7,010.89	-11,334.17	-8,524.19
Provisions for doubtful debts (Including bad debts written off)	0.00	0.00	0.00	0.00
Provisions for diminution In value of investments	3.39	3.17	-37.48	-23.14
Provisions for goods and service tax / service tax charge on linked charges	108.47	117.89	103.88	99.47
Provision for tax	-98.39	-0.29	-2.41	-611.46
Total Expenses Including Provisions	26,144.42	27,619.77	26,633.49	22,745.02
Operating Profit/Loss:	562.73	272.82	61.28	229.25
Appropriations	562.73	272.82	61.28	229.25
(a) Transfer to Profit and Loss A/c	0.00	0.00	0.00	0.00
(b) Transfer to Reserves / Shareholders' A/c	266.46	302.74	129.29	135.42
(c) Fund for Future Appropriations	296.27	-29.92	-68.01	93.83
Detail of Surplus / Deficit :
(a) Interim Bonus Paid	407.13	616.41	493.36	429.70
(b) Terminal Bonus Paid	160.02	345.67	273.38	222.77
(c) Allocation of bonus to Policyholders	0.00	923.72	0.00	0.00
(d) Surplus Shown in the Revenue A/c	562.73	272.82	61.28	229.25
Total Surplus / Deficit	1,129.88	2,158.62	828.02	881.72
NON OPERATING RESULTS
Income in Shareholders' account (abc)	523.64	558.43	410.34	382.17
(a) Transfer from Policyholders' Fund	266.46	302.74	129.29	135.42
(b) Net Reinsurance Premium	0.00	0.00	0.00	0.00
(c)Total Income Under Shareholders' account (bc)	257.18	255.69	281.05	246.75
Income from investments	257.16	252.58	281.05	236.81
Other income	0.02	3.11	0.00	9.94
Expenses :
Reinsurance Claims Incurred	0.00	0.00	0.00	0.00
Expenses relating to reinsurance business & Change in reinsurare contract liabililles (net of reinsurance assets)	0.00	0.00	0.00	0.00
Expenses other than those related to insurance business	19.75	33.43	27.32	24.73
Transfer of fund to Policyholders' A/c	6.40	74.72	19.28	13.23
Provisions for doudtful debts (including bad debts written off)	0.00	0.00	0.00	0.00
Provisions for diminution in value of Investments / Amortisation of premium on investments	0.00	0.57	-3.09	13.54
Total Expenses	26.15	108.72	43.51	51.50
Profit/Loss before Extraordinary items	497.49	449.71	366.83	330.67
Extraordinary Items before tax	0.00	0.00	0.00	0.00
Profit/(loss) before tax	497.49	449.71	366.83	330.67
Provisions for tax	19.84	38.05	1.77	-46.10
Profit/(loss) after tax	477.65	411.66	365.06	376.77
Extraordinary Items	0.00	0.00	0.00	0.00
Net Profit	477.65	411.66	365.06	376.77
Dividend per share (Rs)	0.00	2.00	0.00	0.00
(a) Interim Dividend	0.00	0.00	0.00	0.00
(b) Final Dividend	0.00	2.00	0.00	0.00
Opening Balance and Appropriations from PAT (Net)	0.00	0.00	0.00	0.00
Profit/ (Loss) carried to Balance Sheet	8,736.23	8,258.58	7,846.92	7,481.85
Paid up equity share capital	2,150.98	2,150.94	2,150.66	2,150.06
Reserve & Surplus (excluding Revaluation Reserve)	12,529.72	12,050.30	11,624.51	11,228.56
Fair Value Change Account and Revaluation Reserve	652.97	450.50	384.79	277.75
Face Value	10.00	10.00	10.00	10.00
Total Assets:
(a) Investments:	3,10,244.04	2,92,220.08	2,79,706.58	2,64,869.52
- Shareholders' Fund	15,526.30	14,881.88	14,535.89	15,128.43
- Policyholders' Fund	1,91,388.63	1,81,796.57	1,71,324.89	1,61,694.96
- Assets held to cover linked liabilities	1,03,329.11	95,541.63	93,845.80	88,046.13
(b) Other Assets (Net of current liabilities and provisions)	942.55	1,509.24	1,062.56	870.87
Nominal Value Per Share	0.00	0.00	0.00	0.00
Analytical Ratios:
Solvency Ratio	186.00	187.00	190.00	194.00
Expenses of Management Ratio	21.40	18.70	19.40	19.60
Policyholder's Liabilities to Shareholder's fund	1,923.20	1,898.30	1,875.20	1,838.80
Incurred Claim Ratio	0.00	0.00	0.00	0.00
Net retention ratio	0.00	0.00	0.00	0.00
Combined ratio:	0.00	0.00	0.00	0.00
Adjusted Combined Ratio	0.00	0.00	0.00	0.00
Earnings per share (in Rs):
(a) Basic EPS	2.22	1.91	1.70	1.75
(b) Diluted EPS	2.22	1.91	1.70	1.75
NPA ratios:
a) Gross NPAs	66.27	66.27	66.27	71.25
b) Net NPAs	0.00	0.00	0.00	0.00
(%) Gross Non Performing Assets	0.10	0.10	0.07	0.10
(%) Net Non Performing Assets	0.00	0.00	0.00	0.00

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HDFC Life Insurance Company Ltd

Quarterly Results