HDFC Life Insurance Q4 results reported a 15% year-on-year increase in PAT to ₹1,802 crores in FY25. The insurance major has also declared the final dividend of ₹2.10 per equity share.
On the HDFC Life results date, i.e., on April 17, 2025, HDFC Life share price closed at ₹720.05 with a rise of 0.56%. In this blog, we’ll know in detail about the HDFC Life Q4 results, dividend date, and management outlook.
HDFC Life Insurance Q4 Results: FY25 Highlights
- As per the HDFC Life Insurance Q4 results, the individual APE (Annualized Premium Equivalent) rises by 18% with an increase in the number of policies sold and their ticket size.
- The AUM of the company increased by 15% YoY to ₹3,36,282 crores in FY25.
- The profit increased by 15% YoY to ₹1,802 crores in FY25 due to an 18% increase in profit emergence from the back book.
- In FY25, the net premium income came at ₹69,616.14 crores, up by 12.35% from ₹61,959.22 crores.
- The solvency ratio was healthy at 194%, which is above the regulatory threshold of 150%.
- The new business margins in FY25 stood at 25.6%, lower than the FY24 margin of 26.3%.
- The 13M persistency ratio was steady at 87% while 61M persistency ratio rose to 63% in FY25.
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| Key Metrics (in ₹ Cr) | FY25 | FY24 | % Change |
|---|---|---|---|
| Individual APE | 13,619 | 11,509 | 18% |
| Total APE | 15,479 | 13,291 | 16% |
| Total Premium | 71,045 | 63,076 | 13% |
| Assets Under Management (AUM) | 3,36,282 | 2,92,220 | 15% |
| Profit After Tax (PAT) | 1,802 | 1,569 | 15% |
| Value of New Business (VNB) | 3,962 | 3,501 | 13% |
HDFC Life Insurance Q4 Results: Dividend Declared
In the HDFC Life Q4 results, the company has declared the final dividend of ₹2.10 per equity share on the face value of ₹10 each.
The record date of the dividend is set at June 20, 2025 (Friday). The payment will be made on (or after) July 21, 2025.
HDFC Life Insurance Q4 Results: Management Commentary
Vibha Padalkar, Managing Director and CEO commented on the HDFC Life Insurance Q4 results, “FY25 was a year where we deepened our reach, continued sharpening our value propositions and demonstrated the resilience of our business model. We are happy to report an 18% growth in Individual APE for FY25, in line with our stated growth aspirations for the year. Our overall industry market share expanded by 70 bps to 11.1% and by 30 bps to 15.7% within the private sector.
Retail protection continued to show strong momentum with APE growth of 25%. All channels registered double-digit growth. We continue to enhance customer experience through intuitive digital platforms, with over 90% of service requests now handled via self-service.
As we enter our 25th year of existence, our aspiration remains, against a backdrop of a stable regulatory regime, to consistently outpace sector topline growth, deliver VNB growth in line with APE growth and double key metrics every 4 to 4.5 years.”
Future Outlook
HDFC Life Insurance is one of the leading life insurance companies in India that offers different products, including protection, pension, annuity, and health insurance as well. Life insurance penetration in India is still low at 2.8%, making it a great opportunity for insurance companies. In the next 10 years, life insurance premiums in India are expected to grow at 9% every year, making India the fifth-largest life insurance market globally.
In the last 5 years, the HDFC Life share price has delivered great returns of 45.32% for the investors.
So, open free Demat Account with SMC Global Securities to start your trading journey and stay updated with the Nifty 50 companies’ Q4 results.
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