HDFC Life Insurance Q1 results declared that the consolidated net profit increased by 14% YoY to ₹548.35 crores in the first quarter of the financial year 2025-26. On the results date, 15th July 2025, HDFC Life Insurance share price closed at ₹756.85. On the next trading day, it opened with a rise of 1.07% at ₹765. In this blog, we’ll get into the details of HDFC Life Insurance quarterly results, including its premium income, AUM, and market share.
HDFC Life Insurance Q1 Results: Income and New Business
- As per the HDFC Life Insurance Q1 results FY26, the total premium income has increased 16% to ₹14,875 crores in Q1 FY2026, driven by a 19% jump in the renewal premium collection to ₹7,603 crores.
- Further, the new business premium increased 14% to ₹7,272 crores.
- APE moved up 13% to ₹3,225 crores as individual APE increased 13% to ₹2,777 crores in Q1 FY2026.
- The value of new business (VNB) galloped 13% to ₹809 crores in Q1 FY2026.
- The embedded value surged 18% to ₹58,355 crores at the end of June 2025.
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| Particulars (in ₹ Cr) | Q1 FY26 | Q1 FY25 | YoY Change |
|---|---|---|---|
| Individual APE | 2,777 | 2,467 | 12.5% |
| Total APE | 3,225 | 2,866 | 12.5% |
| New Business Premium | 7,272 | 6,400 | 13.6% |
| Total Premium | 14,875 | 12,811 | 16.1% |
| Indian Embedded Value | 58,355 | 49,611 | 17.6% |
| Value of New Business | 809 | 718 | 12.7% |
HDFC Life Insurance Q1 Results FY26: AUM and Net Worth
- The AUM of the HDFC Life Insurance Company increased 15% to ₹3,55,897 crores at the end of June 2025 from ₹3,10,244 crores at the end of March 2024.
- The consolidated net worth stood at ₹16,347 crores end June 2025.
- HDFC Life Insurance Company has outperformed the overall industry and private sector, resulting in a 70 bps increase in market share at the overall level to 12.1% and a 40 bps gain within the private sector, taking share to 17.5% as on Q1 FY26.
- New business margin for Q1 FY2026 stood at 25.10% showing a decline on a sequential basis from 25.60% for FY25, while improved over a year ago from 25% in Q1 FY2025.
- An operating return on embedded value was healthy at 5.30% in the HDFC Life Insurance Q1 results.
- The solvency ratio of the company was at 192% end June 2025, up from 186% end June 2024.
HDFC Life Insurance Q1 Results: Management Commentary
An extract from the commentary made by Vibha Padalkar, Managing Director and CEO of HDFC Life, “Q1 FY26 began on a strong note, with healthy growth across topline, value of new business, and steady margins. Moreover, over 70% of new customers acquired in Q1 were first-time buyers with HDFC Life, underscoring our customer acquisition strength and deepening presence across Tier 1, 2, and 3 markets.
Contrary to initial expectations, demand for ULIPs remained strong, supported by sustained strength in equity markets. We are also pleased to share that MSCI has upgraded our ESG rating from ‘A’ to ‘AA’, placing us amongst the highest rated insurers in India and the region.
While the external environment remains dynamic, our fundamentals have held strong; anchored in a balanced product mix, a diversified distribution footprint and a consistent focus on innovation, customer centricity and disciplined execution. Our aspiration is to continue to outpace industry growth whilst sustaining our position as a market leader amongst the top 3 in India.”
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