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HDFC Life Q2 FY’2024-25 Results: PAT up 15% YoY, New premium income up by 12%

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Synopsis:

HDFC Life Q2 2025 results are out. The company posted a 15% year-on-year increase in net profit for Q2 FY25, surpassing market expectations. This growth was driven by strong premium collections and investment income. The insurer's overall market share hit a new high of 11%. 

Founded in 2000, HDFC Life is a prominent, publicly listed provider of long-term life insurance solutions in India. With a portfolio of over 80 products, including both individual and group plans, the company offers a wide array of products designed to meet diverse customer needs. 

On 15th October 2025, HDFC Life announced its performance for the half-year through its Q2 report. The HDFC Life Q2 2025 results show a 15% growth in net profit, taking the numbers to a whopping ₹911 crores. As of September 30, 2024, the assets under management (AUM) reached ₹3.25 lakh crore, showing a 23% year-on-year growth in H1 2025.

HDFC BANK LTD

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Updated - 13 December 2024
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Highlights from the HDFC Life Q2 2025 Results:

Let us take a quick look at the highlights of the Q2 results

  • HDFC Life reported robust growth in new business premiums (individual APE), posting a 31% increase. This performance was driven by a 22% rise in the number of policies sold and a well-balanced product mix.

  • The private sector market share (individual WRP) grew by 60 basis points, reaching 16.3%, while the overall market share hit a new high of 11%.

  • Profit After Tax (PAT) for the H1 (first half) of FY 25 stood at ₹911 crore, marking a steady 15% year-on-year growth.

  • Assets under Management (AUM) reached ₹3.25 lakh crore as of 30th September 2024, reflecting a 23% YoY growth in the first half of FY 25.

HDFC Life Q2 2025 Results: Financial Details

Let us take a quick look at the financial details of the HDFC Life Q2 2025 Results

Metrics

H1 FY 25 in  ₹crore

H1 FY 25  in  ₹crore

YoY in %

Individual APE 

5,864

4,478

31%

Total APE

6,724

5,373 

25%

New Business Premium (Indl + Group) 

14,497

12,970

12%

Renewal Premium (Indl + Group)

15,242

13,643

12%

Total Premium

29,738

26,613 

12%

Assets Under Management 

3,24,942

2,64,870 

23%

Profit After Tax

911

792

15%

Indian Embedded Value 

52,114

42,908

21%

Value of New Business

1,656

1,411 

17%

Segment Strength

  • HDFC Pension Fund Management, a wholly-owned subsidiary of HDFC Life and the largest private pension fund manager in India, reached a major milestone in the first half of FY25 by surpassing ₹1 lakh crore in Assets under Management.

  • The company reported its Solvency Ratio was at 181%, well above the regulatory requirement of 150%. Following the ₹1,000 crore subordinated debt raise on 9th October 2024, the solvency ratio increased to 192%.

  • Recognized as one of the Best Companies for Women in India 2024 in the BFSI sector, HDFC Life also received the Exemplar of Inclusion award (Most Inclusive Companies India 2024) from Avtar & Seramount.

Management Commentary 

Let’s take a look at what Vibha Padalkar, the Managing Director and CEO of HDFC Life, said about the announcement. She revealed that HDFC Life continues to be recognized for its commitment to sustainability and responsible governance. The company’s S&P Global ESG score has improved by over 20% compared to the previous year, and it continues to be well-rated among regional insurers. 

Padalkar remarked that the private sector and the overall industry maintained strong momentum in Q2, with growth rates of 24% and 21%, respectively, on an individual-weighted received premium basis for H1 FY25. She commented that HDFC Life outperformed the private sector by achieving a growth rate of 28% during this period, along with a 19% growth rate on a two-year CAGR basis. It was highlighted that the 22% increase in the number of policies sold significantly surpassed the private sector's growth of 13%. 

Disclaimer: Investments in the securities market are subject to market risk, read all related documents carefully before investing.

This content is for educational purposes only. Securities quoted are exemplary and not recommendatory.

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