HDFC Life share price today

HDFC Life Insurance Company Ltd's share price was ₹565.30 at the close on 6 November 2026. It has been falling for 36 weeks. That is 4.9% below its average price over the last 200 trading days. Over the past 13 weeks it has done better than the NIFTY 500, and it has stayed ahead for 6 weeks in a row.

A share price tends to move through four phases: moving sideways (stage 1), rising (stage 2), stalling near a high (stage 3) and falling (stage 4). Today HDFC Life Insurance Company Ltd is in stage 4. The phase helps read everything below.

In the last 52 weeks it traded between ₹524 and ₹778, and at that close it sat 16% of the way up from that low.

Over the last 9 years the share price moved +64% while the NIFTY 500 moved +138%, so it is behind the index over that whole period. The chart above shows the 13-week comparison for every week.

This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row.

Two changes stood out: indian funds and insurers (DIIs) raised their stake for 11 quarters in a row and foreign funds (FIIs) cut their stake for 4 quarters in a row.

1. Indian funds and insurers (DIIs) raised their stake for 11 quarters in a row

   From 6.6% to 20.5% of the company by the September 2026 quarter.

2. Foreign funds (FIIs) cut their stake for 4 quarters in a row

   From 24.8% to 18.8% of the company by the September 2026 quarter.

For July to September 2026 (the quarter ended 30 September 2026), HDFC Life reported total income of ₹24,437 crore, up 18.3% from ₹20,651 crore a year earlier, and a profit of ₹522 crore, up 16.5% from ₹448 crore.

HDFC Life results: July to September 2026 against a year earlier

The next results, for October to December 2026, are due by 14 February 2027: listed companies must publish quarterly results within 45 days of the quarter's end (60 days for the January to March quarter).

HDFC Life's management discussed these results on a call held on 15 October 2026; what it said is further down this page.

From the company's reported quarterly results (quarter ended 30 September 2026). Income and profit in ₹ crore.

HDFC Life closed at ₹565.30 on 6 November 2026, down 24.6% from ₹749.25 a year earlier (7 November 2025) and down 18.8% over five years. Its highest weekly close since November 2017 was ₹806.95 on 27 June 2025.

HDFC Life share price: then and now

Weekly closing prices. Each change is the move from that price to the 6 Nov 2026 close. A day's intraday high or low can go beyond these weekly closes.

472 weekly closes from 17 November 2017 to 6 November 2026.

6 Nov 2026: HDFC Life closed at ₹565.30, up 7.7% on the week and up 1.6% on the month. 15 Oct 2026: HDFC Life held its results call for July to September 2026. Management guided: FY27 growth in line with industry; HDFC Bank counter-share expected to improve steadily.

Earlier

• Results for July to September 2026: Total income up 18.3% and profit up 16.5% on a year earlier.
• 19 Jun 2026: ex-date for a dividend of ₹2.10 a share.

HDFC Life paid ₹2.10 a share in regular dividends in the 12 months to 7 November 2026 (1 payment), a yield of 0.37% at the ₹565.30 close on 6 November 2026. The last was a dividend of ₹2.10 a share, ex-date 19 June 2026.

HDFC Life dividends since 1 April 2021

Amounts as the company declared them on the NSE. A dividend goes to whoever owns the shares before the ex-date.

Yes. HDFC Life Insurance Company Ltd paid out 24% of its profit as dividends in FY26, and it paid a dividend in 12 of its last 13 reported years.

From the NSE corporate-actions record, read 7 November 2026.

On the call for July to September 2026, held on 15 October 2026, HDFC Life's management guided: FY27 growth in line with industry; HDFC Bank counter-share expected to improve steadily.

“There will be disruption with any material change, but I remain extremely optimistic once that disruption is absorbed by all market participants and the new norm emerges. When the new norm emerges, I do think we will be in a stronger position than we are today.”Vibha Padalkar, on the call for July to September 2026

What management guided

• Retail protection growth expected to normalize as GST-led base effects arrive but remain strong on a yearly growth basis.
• Some persistency recovery expected by year-end.
• Up to ₹500 crore of subordinated debt expected to be completed during the current quarter.
• The debt raise is expected to add about 4% to solvency.

Management’s own plans and goals, from our notes of the call. A plan is not a result.

Source: the call transcript.

From the call for July to September 2026, 15 October 2026.

When HDFC Life reports October to December 2026, these are the 4 checks that show whether the story is still on course. First: Early-renewal recovery - check whether unit-linked collections and the affected non-par cohort stabilize.

HDFC Life is on 2 of our India lists: Nifty 50 companies and 52 week high & low.

HDFC Life Insurance Company Ltd earned ₹522 Cr of net profit in the Sep 2026 quarter, +16.5% on the same quarter a year earlier. That is the 3rd quarter in a row of profit growth. Full-year FY26 profit was ₹1,912 Cr. Over 10 years profit has grown 8.9% a year on average. That is 2.1% of the quarter's revenue.

Net profit is what is left after every cost, interest and tax. Earnings per share, dividends and book value all grow from it.

The same quarter a year earlier earned ₹448 Cr.

For the full year, FY26 profit was ₹1,912 Cr (+5.6% on the year before).

Why profit moved: revenue changed +18.3% on a year earlier and the margin moved −0.1 percentage points. Sales did the work, and the margin was about flat.

On average over the last four quarters, profit changed +8.0% and revenue +21.3%. Profit is growing slower than sales: rising costs are taking part of the growth.

HDFC Life Insurance Company Ltd reported ₹24,437 Cr of income in the Sep 2026 quarter, +18.3% on the same quarter a year earlier. That is the 2nd quarter in a row with growth on the year before. Over 10 years it has grown 18.5% a year on average. The last full year, FY26, came in at ₹99,432 Cr.

For a bank, revenue is everything it earns: interest on its loans plus fees and other income.

The last four reported quarters add to ₹1,07,514 Cr.

FY26 revenue was ₹99,432 Cr, +2.6% on the year before.

Recent pace: the last four quarters grew +21.3% on average, against 18.5% a year over the longer run, so this year is growing faster than its own long-run rate.

Is growth speeding up? Revenue over the last 12 months grew +17.4%, against −1.3% a year over the last 8 quarters (accelerating); profit over the last 12 months grew +8.2%, against +10.0% a year (stabilising).

HDFC Life Insurance Company Ltd's net margin was 2.1% in the Sep 2026 quarter, 0.1 percentage points lower than the same quarter a year ago. Across 13 years it has been between 1.6% and 4.5%. The latest quarter is within that range.

Net margin is what the bank keeps from every ₹100 of revenue after every cost, provision for bad loans and tax. It is the clearest single margin we can read for a lender.

Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason.

HDFC Life Insurance Company Ltd does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report.

Gross NPA is the share of the loan book where repayments have stopped. Net NPA is what is left after the money the lender has already set aside for those loans. Falling is good; rising is a warning.

Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up.

HDFC Life Insurance Company Ltd's revenue was ₹99,432 Cr in FY26, +2.6% on the year before, so the loan book is growing. The latest quarter was +18.3% on a year earlier. The net margin on that income is 2.1%, −0.1 percentage points on a year ago.

We read the loan book through revenue: when the book grows, revenue grows with it. It is only a rough guide, because interest-rate changes and fee swings can move it a few points in any year.

Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year.

In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Gross NPA is the loan-quality figure this page uses.

HDFC Life Insurance Company Ltd's P/BV is 6.3×, near the low end of its own history: it has been lower only 4% of the time. Its usual P/BV (the middle reading) is 10.7×, over 8.5 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth.

For a bank or lender we compare the price with book value, the net worth on its balance sheet. P/BV is how many rupees the market pays for each ₹1 of that net worth. Below 1× means the market values it at less than its net worth.

Why the multiple is low: this lender earns about 11% a year on its equity. A lender that earns less on its net worth is valued lower for each rupee of it, and that gap usually closes only if returns improve.

Why the multiple is where it is: over the past year book value grew while the price moved −24.6%. Price and book value moved together, so the multiple stayed in its range.

Where the price move came from: over 5 years the price moved −4.1% a year; about +15.2% a year came from book-value growth and about −19.3 percentage points from the multiple (the market paying less). The split is approximate (price return minus book-value growth). It shows how much of the move came from the market paying a different multiple.

In short: the multiple is low against its own past, so the book value trend underneath matters more than the multiple.

HDFC Life Insurance Company Ltd's business is giving mixed signals. Growth has been steadily positive, but ROE at 10.5% is below the 12% level needed to call it steady growth. This is based on 12 quarters of 4 measures.

Every business is somewhere on a path of getting better or worse, and this section names where. The last 12 quarters of growth in revenue, profit and earnings per share, plus the return the business earns on its capital, are read as lines. Getting worse: the lines are falling. Turning around: a low point has just formed and the last few quarters are rising from it. Getting better: the rise from the low has lasted. Growing steadily: steady growth with healthy returns. Slowing from a peak: still high, but slowing. When the lines disagree the result is mixed; too little history means no reading. CAGR (compound annual growth rate) is the steady yearly rate that would turn the starting value into the latest one. It is the fairest way to compare growth over different periods. If the 1-year figure is much bigger than the 10-year one, recent growth is running faster than the long-run trend. A dash means there is no figure for that period, or the starting year was a loss, where a growth rate means nothing.

Why it matters: when the lines disagree, each line above matters more than any single label.

Compound annual growth rate (%)

Compound annual growth rate over each period, %. Revenue, profit and EPS come from yearly figures; the share price row is price growth over the same periods. A dash means no figure for that period, or the starting year was a loss.

We do not have a clean yearly return-on-equity history for HDFC Life Insurance Company Ltd. For an insurer in particular, the usual bank ratios do not fit, so this page does not force them or estimate a series. The revenue, margin and ownership sections show what this company does report.

Two numbers usually rate a lender: ROE, what it earns on shareholders’ money, and ROA, what it earns on all its assets.

For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead.

For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here.

Domestic institutions raised their stake in HDFC Life Insurance Company Ltd by 7.3 percentage points over 8 quarters, the biggest change among its owners. Domestic institutions now own 20.5% of the company. Foreign institutions moved −6.9 points over the same period, to 18.8%. This uses the four owner groups that companies report every quarter; nothing is guessed between filings.

Who owns the company each quarter: promoters (the founders or controlling owners), foreign institutions, domestic institutions such as mutual funds, and the public. When people close to the business steadily raise their stake, that is worth noticing; a quiet list is also an answer.

Over the last two years: Domestic institutions: +7.3 points over 8 quarters, to 20.5%; Foreign institutions: −6.9 points over 8 quarters, to 18.8%; Promoters: +0.2 points over 8 quarters, to 50.5%.

Why the owners changed: foreign institutions moved −6.9 points and domestic institutions +7.3 points over 8 quarters, while promoters stayed about the same. One group of institutions took over shares from the other; it is not a change of mind by the people running the company.

For HDFC Life Insurance Company Ltd, the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead.

The Z-score estimates how far a company is from balance-sheet trouble. Above about 3 is safe; below about 1.8 is the danger zone. It was built for manufacturers, so it is not used for banks and lenders.

43.2 out of 100, rank 4 of 8 in Finance - Insurance, with 67% of the evidence available.

HDFC Life Insurance Company Ltd scores 43.2 out of 100 against the 8 companies it is compared with in Finance - Insurance, ranking 4. The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer.

The four parts add up to the total exactly: 18.6 + 10.8 + 6.3 + 7.5 = 43.2. This is the same number shown on the industry page; it is worked out once for the whole group and read here.

What would change it: The score would fall if ROA turns down or gross NPA rises while the share price lags its sector.

HDFC Life ranks 4 of 8 Finance - Insurance companies on the 4-Factor Sector Score, with 43.2 out of 100.