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18-Apr-2025

HDFC Life Insurance Company

Improving margins and market share


'HDFC Life Insurance Company, on consolidated basis, has recorded 15% increase in net profit to Rs 475.36 crore in the quarter ended March 2025 (Q4FY2025). The total premium income has increased 15% to Rs 24,032 crore in Q4FY2025, driven by 15% jump in the renewal premium collection to Rs 13,063 crore. Further, the new business premium also increased 15% to Rs 10,969 crore. APE moved up 10% to Rs 5,186 crore as individual APE increased 9% to Rs 4,633 crore in Q4FY2025.
The company has exhibited an improvement in the persistency level with 13th month persistency remaining healthy at 87% in Q4FY2025 from 87% in Q4FY2024, while 61st month persistency jumped to 63% from 53%.

The value of new business (VNB) galloped 12% to Rs 1,376 crore in Q4FY2025. New business margin for FY2025 stood at 25.60% showing jump on sequential basis from 25.10% for 9MFY25 while eased from 26.30% in FY2024.

The embedded value surged 17% Rs 55423.0 crore end March 2025. An opera...



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