Hdfc Life Insurance Company Limited
HDFC Life is subsidiary of HDFC Bank, India’s leading bank. Established in 2000, HDFC Life is a leading, listed, long-term life insurance solutions provider in India, offering a range of individual and group insurance solutions that meet various cust...
Key Metrics
EPS
7.32
Current ratio
0.91
Debt/Equity
19.64
Debt/EBITDA
272.74
Interest coverage ratio
-
Operating Cashflow to total debt
1.74
Financials
Pros & Cons
Exclusive on TAP Bonds
Here's what we like about this company and potential risks we have identified.
Pros
Strategic importance to, and expectation of support from, HDFC Bank
Established market position with balanced portfolio mix
Well-diversified distribution network
Healthy persistency and profitability metrics
Adequate capital position
Robust risk management in non-participating segment (non-par)
Liquidity: Superior
Cons
High operating cost compared with peers.
Revision in rating or outlook of the parent HDFC Bank, resulting in a similar action on HDFC Life
Significant reduction in cushion in the solvency ratio taking it below 170%.
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About Hdfc Life Insurance Company Limited bond.
This comprehensive profile covers key factual information about Hdfc Life Insurance Company Limited. HDFC Life is subsidiary of HDFC Bank, India’s leading bank. Established in 2000, HDFC Life is a leading, listed, long-term life insurance solutions provider in India, offering a range of individual and group insurance solutions that meet various customer needs such as protection, pension, savings, investment, annuity and health. The company has more than 60 products (including individual and group products) and optional riders in its portfolio, catering to a diverse range of customer needs. HDFC Life continues to benefit from its increased presence across the country, having a wide reach with branches and additional distribution touchpoints through several new tie-ups and partnerships. The count of distribution partnerships stood over 550, comprising banks, NBFCs, MFIs SFBs, insurance marketing firms, brokers and web aggregators as partners. The company has a strong base of financial consultants as well. EPS in Mar-2024 was 7.32. Current ratio in Mar-2024 was 0.91. Debt/Equity in Mar-2024 was 19.64. Debt/EBITDA in Mar-2024 was 272.74. Interest coverage ratio in Mar-2024 was . Operating Cashflow to total debt in Mar-2024 was 1.74. Total revenue for Mar-2025(E) was ₹114625.76. Net income for Mar-2025(E) stood at ₹4259.08. Total assets as of Mar-2024 were ₹302,686.96. Operating cash flow for Mar-2024 was ₹10,721.35. Peers and comparison entities consist of Hdfc Life Insurance Company Limited, Life Insurance Corporation Of India, Bajaj Finserv Limited, SBI Life Insurance Company Limited. As of Dec 2024, promoters hold N/A% while others hold N/A% of equity. Key strengths include: Strategic importance to, and expectation of support from, HDFC Bank; Established market position with balanced portfolio mix; Well-diversified distribution network; Healthy persistency and profitability metrics; Adequate capital position; Robust risk management in non-participating segment (non-par); Liquidity: Superior. Key risks include: High operating cost compared with peers.; Revision in rating or outlook of the parent HDFC Bank, resulting in a similar action on HDFC Life; Significant reduction in cushion in the solvency ratio taking it below 170%.. Leadership team details include B N Rangarajan (Chief Risk Officer), Bharti Gupta Ramola (Independent Director), Bhaskar Ghosh (Independent Director), Eshwari Murugan (Chief Actuary), Kaizad Bharucha (Non Executive & Nominee Director), Keki M Mistry (Chairman), Ketan Dalal (Independent Director), Narendra Gangan (Company Secretary & Chief Compliance Officer), Niraj Shah (Executive Director & CFO), Prasun Gajri (Chief Investment Officer), Sumit Bose (Independent Director), Suresh Badami (Deputy Managing Director), Venkatraman Srinivasan (Independent Director), Vibha Padalkar (Managing Director & CEO), Vibhash Naik (Chief Human Resource Officer), Vineet Arora (Chief Operating Officer). This detailed corporate overview is structured to provide a thorough understanding of all available data points, enhance search visibility, and support investor analysis.