HDFC Life Insurance Complete Financial Statements
12 Years of Data
2026 - 2015
In FY2026, HDFC Life Insurance (HDFCLIFE) reported revenue ₹26,427 Cr, net profit ₹498 Cr and EPS ₹2.31, with a net profit margin of 1.9% and ROE of 2.8%. Full financial statements from FY2015 to FY2026 (12 years) — income statement, balance sheet and cash flow in ₹ Crores. Download as Excel or CSV. Review HDFCLIFE P/E comparison to evaluate earnings-based valuation against sector peers.
Complete Financial Data Export
Profitability Ratios
Net Profit Margin
1.88%
2026 data
EBITDA Margin
25.14%
2026 data
Operating Margin
24.00%
2026 data
Return on Assets
0.13%
2026 data
Return on Equity
2.81%
2026 data
Balance Sheet Ratios
Current Ratio
0.03
2026 data
Equity Ratio
4.55%
2026 data
Asset Turnover
0.07
2026 data
HDFCLIFE Revenue, Net Profit & EBITDA — Year-on-Year Growth
HDFCLIFE YoY (Mar 2025 vs Mar 2026) — revenue +10.3%, net profit +4.8%, EBITDA +4243.1%, expenses -16.9%. For live price, earnings ratios and company overview, see HDFC Life Insurance share price today.
Revenue Growth
+10.3%
Year-over-Year
Net Profit Growth
+4.8%
Year-over-Year
EBITDA Growth
+4243.1%
Year-over-Year
Expense Growth
-16.9%
Year-over-Year
Assets Growth
+15.0%
Year-over-Year
Equity Growth
+9.9%
Year-over-Year
Operating Cash Flow Growth
+45.5%
Year-over-Year
Investing Cash Flow Growth
-0.1%
Year-over-Year
Financing Cash Flow Growth
+499.0%
Year-over-Year
HDFCLIFE Income Statement — Revenue, EBITDA & Net Profit
HDFC Life Insurance revenue ₹26,427 Cr, EBITDA ₹6,645 Cr, net profit ₹498 Cr, EPS ₹2.31 (2026) — net profit margin 1.9%. Explore HDFCLIFE value investing to estimate fundamental worth using multiple valuation models.
Periods
₹ Crores
| Particulars | Mar 2026 | Sept 2025 | Mar 2025 | Jun 2025 | Dec 2025 | Sept 2024 | Mar 2024 | Jun 2024 | Dec 2024 | Sept 2023 | Mar 2023 | Jun 2023 | Dec 2023 | Sept 2022 | Mar 2022 | Jun 2022 | Dec 2022 | Sept 2021 | Mar 2021 | Jun 2021 | Dec 2021 | Sept 2020 | Mar 2020 | Jun 2020 | Dec 2020 | Sept 2019 | Mar 2019 | Jun 2019 | Dec 2019 | Sept 2018 | Jun 2018 | Dec 2018 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 26,427 | 19,028 | 23,967 | 14,704 | 18,526 | 16,893 | 20,708 | 12,638 | 16,803 | 14,933 | 20,351 | 11,622 | 15,376 | 13,225 | 15,999 | 9,944 | 14,796 | 11,632 | 13,206 | 7,646 | 12,268 | 10,108 | 10,679 | 5,772 | 9,535 | 7,527 | 10,635 | 6,490 | 7,917 | 6,812 | 5,070 | 6,920 |
| Expenses | 19,782 | 20,336 | 23,814 | 29,024 | 29,157 | 28,807 | 27,766 | 26,623 | 16,852 | 23,557 | 21,215 | 23,045 | 26,663 | 22,815 | 17,228 | 6,386 | 19,787 | 20,420 | 19,000 | 14,619 | 14,137 | 16,224 | 138 | 14,139 | 20,982 | 8,507 | 14,039 | 8,205 | 11,458 | 7,685 | 6,535 | 9,121 |
| EBITDA | 6,645 | -1,308 | 153 | -14,320 | -10,631 | -11,913 | -7,058 | -13,985 | -50 | -8,624 | -864 | -11,424 | -11,287 | -9,590 | -1,229 | 3,558 | -4,991 | -8,788 | -5,795 | -6,973 | -1,868 | -6,116 | 10,542 | -8,366 | -11,447 | -981 | -3,404 | -1,715 | -3,541 | -873 | -1,465 | -2,201 |
| Operating Profit Margin % | 24.00% | -8.00% | 0.00% | -100.00% | -59.00% | -73.00% | -35.00% | -112.00% | 0.00% | -59.00% | -9.00% | -100.00% | -75.00% | -74.00% | -10.00% | 35.00% | -37.00% | -78.00% | -47.00% | -94.00% | -16.00% | -61.00% | 99.00% | -147.00% | -121.00% | -14.00% | -37.00% | -27.00% | -46.00% | -13.00% | -31.00% | -32.00% |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 537 | 472 | 500 | 604 | 445 | -30 | 450 | 401 | 419 | -279 | 525 | 440 | 367 | 355 | 628 | 378 | 184 | 292 | 494 | 272 | 295 | 346 | 407 | 482 | 307 | 303 | 536 | 443 | 311 | 294 | 416 | 273 |
| Tax | 39 | 23 | 25 | 56 | 27 | -465 | 38 | -78 | -3 | -658 | 163 | 23 | -1 | 26 | 122 | 17 | -132 | 16 | 175 | 3 | 20 | 18 | 95 | 32 | 43 | -6 | 171 | 17 | 60 | 6 | 35 | 28 |
| Net Profit | 498 | 448 | 475 | 548 | 418 | 435 | 412 | 479 | 421 | 378 | 362 | 417 | 368 | 329 | 506 | 361 | 316 | 276 | 319 | 270 | 275 | 328 | 312 | 451 | 263 | 309 | 365 | 426 | 251 | 288 | 381 | 245 |
| Earnings Per Share (₹) | 2.31 | 2.08 | 2.21 | 2.55 | 1.94 | 2.02 | 1.91 | 2.23 | 1.96 | 1.76 | 1.70 | 1.94 | 1.71 | 1.55 | 2.48 | 1.71 | 1.48 | 1.36 | 1.58 | 1.33 | 1.36 | 1.62 | 1.54 | 2.23 | 1.30 | 1.53 | 1.81 | 2.11 | 1.24 | 1.43 | 1.89 | 1.21 |
HDFCLIFE Balance Sheet — Assets, Liabilities & Shareholders' Equity
HDFCLIFE total assets ₹390,503 Cr, total equity ₹17,750 Cr, total liabilities ₹ Cr (2026) — ROE 2.8%.
Years
Annual Data
₹ Crores
| Particulars | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| ASSETS | |||||||||
| Total Assets | 390,503 | 339,706 | 293,845 | 239,701 | 223,787 | 173,121 | 127,234 | 124,897 | 105,832 |
| Current Assets | 11,478 | 10,026 | 8,085 | 7,259 | 6,287 | 5,055 | 4,338 | 4,069 | 3,533 |
| Fixed Assets | 746 | 2,143 | 1,549 | 997 | 6,605 | 585 | 322 | 370 | 336 |
| Capital Work in Progress | 0 | 109 | 28 | 31 | 20 | 14 | 8 | 10 | 5 |
| Investments | 0 | 336,399 | 292,284 | 238,843 | 217,192 | 173,821 | 127,256 | 125,538 | 106,590 |
| Other Assets | 0 | 1,056 | -16 | -170 | -30 | -1,299 | -353 | -1,021 | -1,100 |
| LIABILITIES | |||||||||
| Total Liabilities | |||||||||
| Current Liabilities | 361,595 | 323,552 | 279,178 | 226,708 | 208,173 | 164,481 | 120,427 | 119,254 | 101,097 |
| Non-Current Liabilities | |||||||||
| SHAREHOLDERS' EQUITY | |||||||||
| Total Equity | 17,750 | 16,155 | 14,666 | 12,993 | 15,613 | 8,640 | 6,807 | 5,643 | 4,735 |
| Share Capital | 2,158 | 2,153 | 2,151 | 2,149 | 2,113 | 2,021 | 2,019 | 2,017 | 2,012 |
| Reserves & Surplus | 15,592 | 13,555 | 12,065 | 10,821 | 13,413 | 6,409 | 4,974 | 3,628 | 2,693 |
HDFCLIFE Cash Flow Statement — Operating, Investing & Financing
HDFC Life Insurance operating cash flow ₹15,597 Cr, investing ₹-13,633 Cr, financing ₹1,608 Cr, net cash flow ₹3,572 Cr (2025).
Periods
₹ Crores
| Particulars | March 2025 | March 2024 | March 2023 | March 2022 | March 2021 | March 2020 | March 2019 | March 2018 | March 2017 | March 2016 | March 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | 15,597 | 10,721 | 6,883 | 5,943 | 9,703 | 7,388 | 9,868 | 6,739 | 6,230 | 5,688 | 4,460 |
| Investing Activities | -13,633 | -13,622 | -10,071 | -801 | -8,952 | -7,789 | -10,182 | -4,421 | -5,177 | -3,962 | -3,515 |
| Financing Activities | 1,608 | -403 | 1,985 | -238 | 678 | 38 | -337 | -196 | -236 | -212 | -168 |
| Net Cash Flow | 3,572 | -3,304 | -1,203 | 4,904 | 1,429 | -364 | -651 | 2,122 | 817 | 1,513 | 778 |