HDFC Life Insurance Company Limited shares slipped nearly 4% on Thursday, even as the insurer posted a strong set of numbers for the half year ended September 30, 2025 (H1 FY26). The company reported a 9% year-on-year rise in profit after tax (PAT) to ₹994 crore, driven by steady growth in new business and strong customer retention.
HDFC Life crossed a major milestone with its Assets Under Management (AUM) surpassing ₹5 trillion, marking a significant achievement in its 25-year journey. The insurer’s Individual New Business (Annualized Premium Equivalent or APE) rose 10% YoY, supported by a two-year CAGR of 20%.
The Value of New Business (VNB) climbed 10% to ₹1,818 crore, maintaining a healthy margin of 24.5%. Market share also improved, rising 90 basis points to 11.9% overall and 30 bps to 16.6% in the private sector.
HDFC Life’s Embedded Value (EV) increased 14% YoY to ₹59,540 crore, with an operating RoEV of 15.8%. Persistency ratios remained robust, with 13-month persistency at 86% and 61-month at 62%, reflecting strong policyholder loyalty.
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