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HDFC Life Insurance Company Limited (HDFCLIFE.NS)
INR568.75
+13.55 (+2.44%)
IN NSE Financial Services Insurance - Life
Address
Lodha Excelus 400011
Mumbai, IN
Mumbai, IN
CEO
Vibha U. Padalkar
Website
hdfclife.com
IPO
2017-11-17
ISIN INE795G01014
Also trades on
Bombay Stock Exchange · HDFCLIFE.BO (INR)
National Stock Exchange of India · HDFCLIFE.NS (INR)
Description
HDFC Life Insurance Company Limited, an Indian enterprise, provides a comprehensive suite of insurance and investment products catering to both individual clients and group entities. Its extensive portfolio encompasses solutions for protection, pension, savings accumulation, general investment, annuities, and health coverage. Specific plans offered include term life, retirement, children's policies, Unit Linked Insurance Plans (ULIPs), options for Non-Resident Indians (NRIs), and various group insurance schemes. The company, which was incorporated in 2000 and has its headquarters in Mumbai, India, previously operated under the name HDFC Standard Life Insurance Company Limited until it officially adopted its current designation in January 2019.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
INR568.75
+13.55 (+2.44%)
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Volume Profile
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Liquidity & share structure
Average Volume
5M
Beta
0.50
Float Shares
956.60M
Free Float %
44.3%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +1.85% | -2.89% | -7.87% | -11.25% | -28.57% | -25.94% | -26.23% | -5.04% | -18.53% | +61.16% | +61.16% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
568.75
DCF (Unlevered)
247.48
-56.5%
DCF (Levered)
2,635.55
+363.4%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
94% Bullish
| Rating | 2026-06 | Change |
|---|---|---|
| Strong Buy | 6 | 0 |
| Buy | 26 | 0 |
| Hold | 2 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.47
Distress
Piotroski F-Score
2 / 9
Weak
MOAT Score
2 / 10
No MOAT
Composite Rating
B-
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
-
Revenue growth Insurance - Life: +10.6%+11.1% ★ Q1'26: +16.8% (vs Q1'25)
-
EPS growth Insurance - Life: +13.4%+5.4% Q1'26: +4.1% (vs Q1'25)
-
FCF margin FCF growth · Insurance - Life: +31.7%+1.9% Q1'26: +0.0% (vs Q1'25)
-
EBIT margin Insurance - Life: +12.4%+2.0% Q1'26: +2.4% (vs Q1'25)
-
ROIC Insurance - Life: +1.0%+10.1% ★ Q1'26: +10.4% (vs Q1'25)
-
Share dilution Insurance - Life: +0.4%+0.2% Q1'26: +0.6% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Life: -1.05×1.58× Q1'26: 1.58× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 18 Rev. Ana. 19 EPS Ana. |
Mar 2027 22 Rev. Ana. 22 EPS Ana. |
Mar 2028 22 Rev. Ana. 22 EPS Ana. |
Mar 2029 7 Rev. Ana. 5 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
323.40B
est: 326.70B (-1.0%)
|
383.22B
est: 314.49B (+21.9%)
|
286.68B
est: 384.86B (-25.5%)
|
717.84B
est: 415.16B (+72.9%)
|
674.43B
est: 462.58B (+45.8%)
|
702.46B
est: 567.59B (+23.8%)
|
958.23B
est: 1.05T (-9.1%)
|
900.69B
est: 732.16B (+23.0%)
|
790.18B
698.52B – 868.54B
+7.9% YoY
|
877.03B
729.41B – 973.65B
+11.0% YoY
|
993.01B
834.92B – 1.15T
+13.2% YoY
|
1.13T
943.49B – 1.28T
+13.6% YoY
|
| EBITDA |
11.80B
est: 6.86B (+72.1%)
|
13.50B
est: 13.74B (-1.7%)
|
13.78B
est: 15.74B (-12.5%)
|
14.77B
est: 12.45B (+18.6%)
|
14.51B
est: 14.86B (-2.3%)
|
14.71B
est: 18.55B (-20.7%)
|
17.60B
est: 21.93B (-19.7%)
|
21.24B
est: 16.32B (+30.1%)
|
16.44B
14.53B – 18.07B
+0.7% YoY
|
18.25B
15.17B – 20.26B
+11.0% YoY
|
20.66B
17.37B – 23.94B
+13.2% YoY
|
23.46B
19.63B – 26.65B
+13.6% YoY
|
| EBIT |
11.36B
est: 6.56B (+73.1%)
|
13.05B
est: 14.87B (-12.2%)
|
13.31B
est: 17.49B (-23.9%)
|
14.26B
est: 10.36B (+37.6%)
|
13.95B
est: 12.37B (+12.8%)
|
13.95B
est: 15.44B (-9.6%)
|
16.82B
est: 21.11B (-20.4%)
|
20.20B
est: 15.71B (+28.6%)
|
15.82B
13.99B – 17.39B
+0.7% YoY
|
17.56B
14.61B – 19.50B
+11.0% YoY
|
19.89B
16.72B – 23.04B
+13.2% YoY
|
22.59B
18.89B – 25.66B
+13.6% YoY
|
| Net Income |
11.07B
est: 11.72B (-5.5%)
|
12.78B
est: 13.52B (-5.5%)
|
12.97B
est: 15.58B (-16.7%)
|
13.61B
est: 12.29B (+10.7%)
|
13.27B
est: 14.67B (-9.5%)
|
13.68B
est: 18.31B (-25.3%)
|
15.74B
est: 16.36B (-3.8%)
|
18.11B
est: 18.80B (-3.7%)
|
19.12B
15.46B – 22.65B
+1.7% YoY
|
21.95B
17.59B – 32.01B
+14.8% YoY
|
24.51B
20.18B – 34.01B
+11.7% YoY
|
26.19B
22.08B – 36.97B
+6.9% YoY
|
| SGA |
30.72B
est: 12.75B (+140.9%)
|
37.08B
est: 43.97B (-15.7%)
|
41.49B
est: 53.16B (-22.0%)
|
45.04B
est: 44.99B (+0.1%)
|
57.86B
est: 53.69B (+7.8%)
|
83.33B
est: 67.04B (+24.3%)
|
67.90B
est: 72.38B (-6.2%)
|
61.25B
est: 53.86B (+13.7%)
|
54.25B
47.96B – 59.63B
+0.7% YoY
|
60.21B
50.08B – 66.84B
+11.0% YoY
|
68.17B
57.32B – 79.00B
+13.2% YoY
|
77.43B
64.77B – 87.95B
+13.6% YoY
|
| EPS |
5.52
est: 5.44 (+1.4%)
|
6.34
est: 6.30 (+0.6%)
|
6.43
est: 7.01 (-8.3%)
|
6.74
est: 7.18 (-6.1%)
|
6.49
est: 6.41 (+1.2%)
|
6.41
est: 7.27 (-11.8%)
|
7.32
est: 7.61 (-3.8%)
|
8.41
est: 8.63 (-2.5%)
|
9.05
7.17 – 10.49
+4.9% YoY
|
10.40
8.15 – 14.83
+15.0% YoY
|
11.70
9.35 – 15.76
+12.4% YoY
|
13.09
10.23 – 17.13
+12.0% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-06-12 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-06-11 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-06-10 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-06-09 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-06-08 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-06-05 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-06-04 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-06-03 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-06-02 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-06-01 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-29 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-27 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-26 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-25 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-22 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-21 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-20 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-19 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-18 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-15 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-14 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-13 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-12 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-11 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-08 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-07 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-06 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-05 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-04 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-04-30 | B | 3/5 | 4/5 | 4/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-04-29 | B | 3/5 | 4/5 | 4/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-04-28 | B | 3/5 | 4/5 | 4/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-04-27 | B- | 3/5 | 4/5 | 4/5 | 3/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-24 | B- | 3/5 | 4/5 | 4/5 | 3/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-23 | B | 3/5 | 4/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-22 | B | 3/5 | 4/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-21 | B | 3/5 | 4/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-20 | B | 3/5 | 4/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-17 | B | 3/5 | 4/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-16 | B | 3/5 | 5/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-570.00M
OE per share TTM
-0.27
Owner's Yield
-0.05%
Maintenance CapEx ratio
2.59%
Maint CapEx / Avg PPE
0.6%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 11 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Global X India Nifty 50 ETF NDIA.AX | 0.55% | 697.8K | 0.69% |
| 2 | WisdomTree True Emerging Markets Fund XC | 0.18% | 142.3K | 0.32% |
| 3 | WisdomTree India Earnings Fund EPI | 0.10% | 2.02M | 0.84% |
| 4 | WisdomTree Emerging Markets ex-State-Owned Enterprises UCITS ETF - USD Acc XSOE.L | 0.07% | 16.9K | 0.32% |
| 5 | WisdomTree Emerging Markets ex-State-Owned Enterprises Fund XSOE | 0.07% | 1.41M | 0.32% |
| 6 | State Street SPDR S&P Emerging Asia Pacific ETF GMF | 0.05% | 233.7K | 0.49% |
| 7 | Schwab Emerging Markets Equity ETF SCHE | 0.05% | 6.70M | 0.06% |
| 8 | State Street SPDR MSCI Emerging Markets Fossil Fuel Reserves Free ETF EEMX | 0.05% | 90.1K | 0.30% |
| 9 | State Street SPDR Portfolio Emerging Markets ETF SPEM | 0.05% | 8.15M | 0.07% |
| 10 | State Street SPDR MSCI ACWI ex-US ETF CWI | 0.02% | 487.7K | 0.30% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
604.1K
Shares Outstanding
2.16B
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Vibha U. Padalkar | MD, Chief Executive Officer & Director | 98M | female |
| Niraj Ashwin Shah | Chief Financial Officer & Executive Director | 41M | male |
| Nagesh Pai | Company Secretary & Compliance Officer | — | male |
| Narendra Yeshwant Gangan | General Counsel & Chief Compliance Officer | — | male |
| Prasun Gajri | Chief Investment Officer & Chief Strategy Officer | — | male |
| Pritika Shah | Executive Vice President and Head Of Marketing & CSR | — | female |
| Sameer Yogishwar | Chief Operating Officer | — | male |
| Vijay Vaidyanathan | Chief Human Resource Officer | — | male |
| Eshwari Murugan | Actuary | — | female |
| Vineet Arora | Whole-time Director & Chief Business Officer | — | male |
| Khushru Sidhwa | Chief Risk Officer | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for HDFCLIFE.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
