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HDFCLIFE — HDFC LIFE INS CO LTD

Structural concernsWeak profitability

Price History

Data as of 26 Jun 2026· via fincrux

How HDFCLIFE has traded over time.

Is the price reasonable right now?

Where today's price sits within its own 12-month range — context, not advice.

Lower end of its 12-month range16% of range

Trading about 28% below its 12-month high — historically cheaper territory for this stock. It sits below its 200-day average, the longer-term trend.

₹543 low₹811 high
vs 50-day avg
−1.2%
vs 200-day avg
−15.2%
Beginner mode
Plain English, with everything explained

HDFCLIFE

NSE

HDFC LIFE INS CO LTD

Financials / Insurance

₹585.45
0.00%
last close
0%
Quality Score
A mixed pictureBig money selling

HDFC LIFE INS CO LTD passes 2 of 3 checks. There's something to like here, but also a few things to be careful about. Read the four checks below before forming a view.

Company size
₹119842.00 Cr
Price tag
62.7×
Money it earns
11.3%

The four quality checks

Every company faces the same four checks. Tap the ? on any term to learn what it means.

01

Is the company drowning in loans?

Banks and lenders borrow money as their actual business, so we judge them on a relaxed scale built for financials.

Aligned

The company keeps its borrowing under control. That's a sign of a sturdy balance sheet.

D/E 0.18goal < 1.5
02

Does it make good money, consistently?

We look at how much profit the company squeezes out of its owners' money, averaged over three years — not just one lucky quarter.

Divergent

Profits relative to the money invested are on the weaker side over the last few years.

ROE 11.3%goal > 15% (3y avg)
03

Is the big, smart money buying in?

Large professional investors (global funds and Indian mutual funds) do deep research before buying. We track whether they've been adding or trimming their stake.

Aligned

Professional investors have been holding steady or buying more — a quiet vote of confidence.

FII+DII 39.8%goal stable or rising (2Q)
04

Is the price reasonable right now?

Even a great company can be a bad buy if it's overpriced. We compare today's price tag to how this company has typically been priced over the past five years.

No data

We don't have enough reliable data to run this check yet, so we're leaving it open rather than guessing.

Data unavailablegoal P/E < 5y median

What we noticed

Observations from the data — not recommendations.

  • HDFC Life Insurance Company is engaged in carrying on the business of life insurance. The Company offers a range of individual and group insurance solutions. The portfolio comprises of various insurance and investment p…
Data as of 26 Jun 2026· via fincrux

StockVault is an educational research and mathematical-modeling sandbox. It presents structural readings derived from public data and does not provide investment advice, recommendations, or target prices. Figures shown are illustrative and delayed. Markets carry risk; decisions are your own.

Balance Sheet

What HDFCLIFE owns and owes over the years. Tap the ? on any line to learn what it means.

Line itemFigures in ₹ crore
ItemMar '22Mar '23Mar '24Mar '25Mar '26
Borrowings6009509502,9503,099
Equity Capital2,1132,1492,1512,1532,158
Reserves13,37310,83712,50113,97315,538
Total Assets2.10L2.48L3.03L3.49L3.90L
Total Liabilities2.10L2.48L3.03L3.49L3.90L

Loan book expanding

Borrowings have grown over the retained years. For a bank or lender that's the raw material of the business, so judge it alongside profitability, not on its own.

This is a financial company. Banks and lenders borrow money as their core business, so high borrowings here are normal and not a red flag on their own.

Periodic Performance

Yearly net profit for HDFCLIFE — does it earn money consistently?

Consistently profitable

Every one of the last 5 years has been profitable — a sign of durable earnings.

₹1,208 Cr
₹1,360 Cr
₹1,569 Cr
₹1,802 Cr
₹1,910 Cr
Mar '22Mar '23Mar '24Mar '25Mar '26
rev ₹65,402 Crrev ₹70,081 Crrev ₹1.01L Crrev ₹96,687 Crrev ₹98,968 Cr
Net profit · annualProfitLoss

Strengths & Risks

What the numbers say is good and bad about HDFCLIFE — observations, not recommendations.

Strengths

4
  • Borrowing is well within the relaxed range we use for financial companies.
  • Large professional investors have been holding steady or adding to their stake.
  • Profitable in every one of the last 5 years.
  • Sits in the lower part of its 12-month range — historically cheaper territory for this stock.

Risks

1
  • Profit generated from the money invested has been on the weaker side.

Institutional Ownership Trend

FII and DII holding across the last four quarters.

FII· Foreign institutions
22.5%-2.2 pp
DII· Domestic institutions
17.3%+2.7 pp
Jun '25Sep '25Dec '25Mar '26

Sector Peers

How others in Financials / Insurance score on the same four guardrails.

  • ICICIGIICICI LOMBARD GIC LIMITED100
  • LICILIFE INSURA CORP OF INDIA84
  • SBILIFESBI LIFE INSURANCE CO LTD81
  • GICREGENERAL INS CORP OF INDIA81
  • ICICIPRULIICICI PRU LIFE INS CO LTD63
View the full sector