HDFC Life: The board of directors of HDFC Life has approved and accepted separate and consolidated financial results for the year ended 31 March 2025. The company performed better in the sector by performing all the major matrix better.
High level development
The individual APE recorded a strong growth of 18%, which supported the growth of policies, ticket size and balanced product mixture.
market share
The total market share (individual WRP) increased by 70 BPS to 11.1 percent for the 11 months of FY 25. Private sector market share reached 15.7 percent, which is an increase of 30 basis points.
The value of the new business (VNB) rose 13 percent to Rs 3,962 crore, which shows a strong growth in profitable business.
Assets under management (AUM)
By 31 March 2025, AUM increased by 15 percent to Rs 3,36,282 lakh crore.
Continuity
The continuity rate of the 13th and 61st months reached 87 percent and 63 percent respectively. Remarkable, our 61st month retention rate saw a significant improvement of 1000 basis points, reflecting the company’s ability to join and maintain with customers.
Built -in value
Embedded Value (EV) rose by 17 percent to Rs 55,423 crore, while EVs recorded 16.7 percent operating returns, reflecting stable long -term value creation for policyholders.
profit after tax
In the first twelve months of FY 25, a tax-watched profit (PAT) of Rs 1,802 crore was earned, which records an increase of 15% year-to-year, which is supported by an increase of 18% in the profit earned in our back book. According to our dividend payment policy, the board of directors recommended a final dividend of Rs 2.1 per share, resulting in payment of about Rs 452 crore.
The solvency ratio was 194 percent, above the regulatory limit of 150 percent.
Focus on employees
Certified as the best location to work in 2025, employee displays commitment to health. It was also recognized as one of the top 50 organizations creating a culture of innovation by Great Place to Work. HDFC Life was honored for its inclusion and employee-friendly policies, such as the BFSI sector to be awarded the best companies awards for women in India in 2024 as the examples of incorporated by the incarnation (India’s most inclusive companies 2024).
What did the CEO say?
Vibha Padalkar, Managing Director and CEO of HDFC Life said, “In FY 2025, we expanded our reach, strengthened our values and demonstrated the strength of our business model. The area increased by 30 BPS to 15.7%.
Retail protection maintained its strong pace with a 25 percent increase in APE. All media outlets recorded a double -point increase. We are further improved the customer experience through the best digital platform in our category, where more than 90 percent of service requests are now dealt with through self-service.
As we are entering the 25th year of our operations, our ambition is to continuously improve the top growth of the region, provide VNB growth to suit APE growth and achieve major metrics of double digits every 4 to 4.5 years in the background of stable regulatory system. “
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