HDFC Life Q4 Results: Cons PAT rises 15% YoY to Rs 475 crore, revenue jumps 16%

HDFC Life Insurance coverage Firm on Thursday reported a 15% year-on-year (YoY) rise in its Q4FY25 web revenue to Rs 475 crore, in contrast to Rs 411 crore within the year-ago interval. Web premium revenue for the quarter ended March stood at Rs 23,842 crore, up 16% YoY from Rs 20,533 crore within the corresponding quarter of the earlier monetary yr.

The corporate’s board additionally advisable a ultimate dividend of Rs 2.10 per fairness share for the monetary yr 2024–25.

The corporate attributed its topline progress to sturdy particular person APE progress of 18%, supported by a rise in each the variety of insurance policies bought and common ticket measurement, together with a balanced product combine.

HDFC Life’s Property Underneath Administration (AUM) stood at Rs 3,36,282 crore as of March 31, 2025, reflecting a 15% year-on-year improve.

Market Share

The corporate’s total market share (particular person WRP) rose by 70 foundation factors to 11.1% for the interval 11MFY25, in accordance to the corporate submitting. The non-public sector market share elevated by 30 foundation factors to 15.7%.

Solvency Ratio

The solvency ratio stood at 194%, comfortably above the regulatory threshold of 150%.Revenue After Tax (PAT) for the total monetary yr stood at Rs 1,802 crore, reflecting a 15% year-on-year progress, supported by an 18% improve in revenue emergence from the corporate’s again ebook.

Administration Commentary

Commenting on the earnings, MD & CEO Vibha Padalkar described FY25 as a yr through which the corporate deepened its attain.

“We’re comfortable to report an 18% progress in Particular person APE for FY25, in keeping with our said progress aspirations for the yr. Our total business market share expanded by 70 foundation factors to 11.1%, and by 30 foundation factors to 15.7% throughout the non-public sector. Retail safety continued to present sturdy momentum with APE progress of 25%. All channels registered double-digit progress. We proceed to improve buyer expertise by intuitive digital platforms, with over 90% of service requests now dealt with through self-service,” she mentioned.

Worth of New Enterprise (VNB)

VNB grew by 13% to Rs 3,962 crore in FY25.

Persistency

The Thirteenth-month and 61st-month persistency ratios stood at a robust 87% and 63%, respectively. Notably, the 61st-month persistency improved by 1,000 foundation factors, reflecting the corporate’s deep buyer engagement and efficient retention initiatives.