HDFC Life Insurance Company Q2 FY27 results (Jul–Sep 2026) and concall

Financial Services · Concall AI · Call held 15 Oct 2026

Company page: HDFC Life Insurance Company share price, financials & guidance record

HDFC Life delivered a strong H1 FY27, with robust APE and VNB growth, improved new business margins, and healthy AUM expansion. The company saw broad-based growth across channels and product segments, particularly in retail protection and annuity. While persistency faced some headwinds from market volatility, the capital position remains strong, supported by a planned subordinated debt raise. Management expressed optimism about navigating regulatory changes and continuing to invest in growth.

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What they filed

Q2 FY27: revenue up 18.3%, net profit up 13.6% against the same quarter last year.

₹ Cr · quarterly

Line item	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26	Q3 FY26	Q4 FY26	Q1 FY27	Q2 FY27
Revenue	17,235	24,111	29,381	20,548	29,312 +70%	19,727 −18%	33,545 +14%	24,302 +18%
Expenses	16,775	23,710	28,921	20,207	29,010	19,577	32,984	23,931
EBITDA	460	401	460	341	302 −34%	150 −63%	561 +22%	371 +9%
Margin	3%	2%	2%	2%	1%	1%	2%	2%
Other income	-49	100	140	128	145	383	112	189
Interest	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	411	501	601	469	447 +9%	532 +6%	674 +12%	560 +19%
Tax rate	-1%	5%	9%	5%	6%	7%	9%	9%
Net profit	415	477	546	447	421 +1%	496 +4%	611 +12%	508 +14%
EPS	1.93	2.21	2.54	2.07	1.95	2.30	2.81	2.34

How to read this

₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.

Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.

What they filed

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