HDFC Life Insurance has outlined its strategic approach to managing recent regulatory challenges while maintaining its ambitious growth targets. The life insurer has shared detailed plans for offsetting GST effects and achieving margin alignment in the coming fiscal years.

GST Impact Management Strategy

The company expects to offset GST effects in the coming quarters through operational adjustments and strategic initiatives. HDFC Life is planning to begin FY27 with clean margins that are aligned with FY25 levels, indicating a comprehensive approach to managing regulatory cost impacts.

Growth Outlook and Expectations

The company expects Q4 to maintain the recent growth trajectory it has been experiencing. This optimistic outlook reflects the insurer's confidence in its current business performance and market conditions despite regulatory headwinds.

FY27 Growth Strategy

Looking toward FY27, HDFC Life has identified key growth drivers that will support its expansion plans:

The company's strategic focus on these areas reflects the evolving preferences in the life insurance market and the insurer's ability to capitalize on these trends.

VNB Doubling Target Maintained

Despite recent regulatory rule changes and GST implications affecting the insurance industry, HDFC Life remains committed to its ambitious Value of New Business (VNB) growth target. The company aims to double its VNB every 4 to 4.5 years, demonstrating resilience and adaptability in the face of regulatory adjustments.

This target underscores the company's confidence in its business model and strategic positioning within the competitive life insurance landscape.

HDFC Life Insurance Company Limited has made the audio recording of its earnings conference call available on the company website following discussions of financial results for the quarter and nine months ended December 31, 2025.

Earnings Call Details

The earnings conference call was held on January 15, 2026, with company management discussing the financial performance for the reporting period. The insurance company has now hosted the complete audio recording on its official website to ensure broader accessibility for stakeholders.

Regulatory Compliance

The company informed both major stock exchanges about this development through formal communication. Company Secretary and Compliance Officer Nagesh Pai signed the notification, which was sent to the National Stock Exchange of India Limited and BSE Limited on January 15, 2026.

The disclosure was made pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, ensuring compliance with mandatory disclosure requirements for listed companies.

Corporate Information

HDFC Life Insurance Company Limited operates from its corporate and registered office located at the 13th Floor, Lodha Excelus, Apollo Mills Compound, N. M. Joshi Marg, Mahalaxmi, Mumbai. The company maintains its investor relations portal to provide stakeholders with access to financial information, earnings calls, and other relevant corporate communications.

The insurance company recently received recognition through the Superbrands India 2025 Award, highlighting its market position in the insurance sector. Investors and analysts can access the earnings call recording through the company's investor relations website section for detailed insights into the Q3 FY26 financial performance.