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Created: 2025-07-16 11:04:44 UTC

📊 Hdfc Life Insurance Company Ltd | Broker Report | 𝘉𝘜𝘠 𝘊𝘢𝘭𝘭 🟢

🏢 𝘉𝘶𝘺 𝘏𝘋𝘍𝘊 𝘓𝘪𝘧𝘦 𝘐𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦; 𝘵𝘢𝘳𝘨𝘦𝘵 𝘰𝘧 𝘙𝘴 910: 𝘔𝘰𝘵𝘪𝘭𝘢𝘭 𝘖𝘴𝘸𝘢𝘭
📈 𝘙𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯: BUY
🏛️ 𝘉𝘳𝘰𝘬𝘦𝘳𝘢𝘨𝘦: Motilal Oswal

HDFC Life Insurance: Motilal Oswal maintains a BUY rating with a TP of INR XXX (+20%).

📈 𝗞𝗲𝘆 𝗛𝗶𝗴𝗵𝗹𝗶𝗴𝗵𝘁𝘀 𝗳𝗿𝗼𝗺 𝟭𝗤𝗙𝗬𝟮𝟲:

- APE grew XX% YoY to INR 32.3b.
- VNB grew XX% YoY to INR 8.1b, but X% below estimates. Margins at XXXX% (90bp decline).
- Shareholders’ PAT grew XX% YoY to INR 5.5b (11% beat).
- Gross premium grew XX% YoY to INR 148.8b.
- Individual APE grew XX% YoY.

- 𝗕𝗿𝗼𝗸𝗲𝗿𝗮𝗴𝗲 𝗙𝗶𝗿𝗺: Motilal Oswal
- 𝗥𝗮𝘁𝗶𝗻𝗴: BUY
- 𝗧𝗮𝗿𝗴𝗲𝘁 𝗣𝗿𝗶𝗰𝗲: INR XXX

- 𝗥𝗮𝘁𝗶𝗼𝗻𝗮𝗹𝗲:
    ▪  APE in line; VNB margin flat on YoY basis.
    ▪  Management expects H2 growth to outpace H1.
    ▪  The company outperformed both the overall industry and the private sector, leading to a 70bp increase in overall market share to 12.1%, marking a new milestone.

- 𝗞𝗲𝘆 𝗠𝗲𝘁𝗿𝗶𝗰𝘀:
    ▪  VNB margin at XXXX% for 1QFY26.
    ▪  Solvency ratio for the quarter stood at 192%.
    ▪  Embedded Value (EV) grew XX% YoY to INR584b as of Jun’25, reflecting RoEV of 17.6%.

🔗 𝘙𝘦𝘢𝘥 𝘍𝘶𝘭𝘭 𝘙𝘦𝘱𝘰𝘳𝘵:

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**Related Topics**
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[$hdfclifebo](/topic/$hdfclifebo)
[life insurance](/topic/life-insurance)
[insurance](/topic/insurance)

[Post Link](https://x.com/wegro_app/status/1945439450634588168)