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HSBC Life Insurance Company LimitedMain BoardEquityNon-Linked Policy And Linked Policy2025-04-012026-03-312025-10-272025-10-20INRLakhsQuarterlySecond quarter2025-10-2715:20:002025-10-2716:45:00trueCash Flow DirectNot applicabletruetrueNANAfalsetrue2025-03-26https://www.canarahsbclife.com/investor-relations/policies-and-code-of-conductfalsefalseThe company has no Loans and Debt Securities, therefore, this disclosure is not required.2025-07-012025-09-30UnauditedStandalone5750500000141978000003000400000229487000002259730000060100000051400000243700000234934000008643000004290000001913000001484600000148460000017477000000010372000002784900000426950000000193800000000126053000005301600000223702000001123200000431800000691400000858000000112320000001209000000431800000281100000028110000071290000016600000243700000002603000004526000004450000044500000040810000004081000000046809000009500000000593090000001512360000024330870000018246560000044089790000046247000004455226000001.97790.1862787200000.430.4300032370000000000000.000800000.02360.018700.01090.01570.01790-0.026186100000000.056201770001770000.81990.71440.63490.6050.58810.8627000001. Net Premium Income is Net of Reinsurance. <br></br> 2. Net of Amortization and losses (including capital gains). For the quarter ended 30th Sep 2025 and half year ended 30th Sept 2025, it is lower than quarter ended 30th June 2025 and half year ended 30th Sep 2024, respectively, on account of lower returns from equity markets. <br></br> 3. Transfer of funds from Shareholders' A/c and Transfer of funds to Policyholders' A/c includes contribution of funds from shareholders accounts towards excess EOM and remuneration of MD/CEOs/WTD/Other KMPs. <br></br> 4. Benefits Paid (Net) is inclusive of interim and other bonuses and net of reinsurance. <br></br> 5. Expenses other than those related to insurance business is inclusive of Corporate Social Responsibility expenditure and Penalties, if any. <br></br> 6. Dividend per share is Interim dividend and Final dividend recommended for respective financial year. <br></br> 7. Advertisement and publicity expenses have been included in other operating expenses for the the current period. <br></br> 8. Interim Bonus includes Terminal Bonus. <br></br> 9. Profit carried to Balance Sheet represents accumulated profit. <br></br> 10. Analytical ratios have been calculated as per definition given in IRDAI Analytical ratios disclosure. <br></br> 11. Profit/Loss on Derivative amount (TRAD & AnnuityR Fund) is being considered as "Unrealised Gain/Loss" and is included while computing the "Yield with Unrealised Gain and realised". <br></br> 12. NPA: Company has provided 100% provision on CPs and NCDs of IL&FS and IL&FS financial services Ltd, due to default in repayment obligations due to downgrade of rating to Default (D) category. <br></br> 13. Persistency ratio (Regular Premium/ Limited Premium Payment under Individual Category): <br></br> 13.1 Persistency ratios are calculated in accordance with the IRDAI circular no. IRDAI/F&A/CIR/MISC/256/09/2021 dated September 30, 2021 and are with a lag of one month. Persistency ratios include individual business only, Group business policies have been excluded from the persistency calculation. <br></br> 13.2 Persistency ratios for the quarter ended September 30, 2025 have been calculated on September 30, 2025 for the policies issued in June to August period of the relevant years. For example, the 13th month persistency for the quarter ended September 30, 2025 is calculated for policies issued from June 1, 2024 to August 31, 2024. <br></br> 13.3 Persistency ratios for the year ended September 30, 2025 have been calculated on September 30, 2025 for the policies issued in September to August period of the relevant years. For example, the 13th month persistency for the year ended September 30, 2025 is calculated for policies issued from September 1, 2023 to August 31, 2024.2025-04-012025-09-30UnauditedStandalone97292000002333520000073566000004042100000039131600000201240000001044000003878000005974780000014715000006602000003146000002446300000244630000034474000000017992000005246600000769290000000411000000000236726000002680900000058585500000116230000059660000056570000015430000001162300000013166000005966000005399000000539900000113650000036600000387800000-1200000042320000071330000071000000710000000642300000064230000000468090000059309000001.97790.19032787200000.680.6800032370000000000000.000800000.04250.037400.02490.04040.036900.056786100000000.056203550003550000.84430.73880.65810.61970.58430.875000000Other income51400000Other income104400000Other operating expenses1037200000Other operating expenses1799200000Other income0Other income0Linked Non Participating - Life7840800000-414930000022000007600000Linked Non Participating - Pension66400000-80000000100000Linked Non Participating - Health0000Linked Non Participating - Others0000Non Linked Participating - Life34129000001803600000250000021800000Non Linked Participating - Pension0000Non Linked Participating - Health0000Non Linked Participating - Others0000Non Linked Non Participating - Life90302000002492100000110000017700000Non Linked Non Participating - Pension22426000004617000002379000004200000Non Linked Non Participating - Health440000090000000Non Linked Non Participating - Others0000Shareholders028110000000Unallocated0000Linked Non Participating - Life1417490000011014600000690000017300000Linked Non Participating - Pension1422000001126000000200000Linked Non Participating - Health0000Linked Non Participating - Others0000Non Linked Participating - Life50042000003162400000410000041200000Non Linked Participating - Pension0000Non Linked Participating - Health0000Non Linked Participating - Others0000Non Linked Non Participating - Life1624660000048870000001060000038500000Non Linked Non Participating - Pension35558000009456000003662000007200000Non Linked Non Participating - Health7900000180000000Non Linked Non Participating - Others0000Shareholders053990000000Unallocated0000Linked Non Participating - Life-79400000Linked Non Participating - Pension-11700000Linked Non Participating - Health0Linked Non Participating - Others0Non Linked Participating - Life0Non Linked Participating - Pension0Non Linked Participating - Health0Non Linked Participating - Others0Non Linked Non Participating - Life522500000Non Linked Non Participating - Pension-237200000Non Linked Non Participating - Health400000Non Linked Non Participating - Others0Shareholders258000000Unallocated0Linked Non Participating - Life19600000Linked Non Participating - Pension4600000Linked Non Participating - Health0Linked Non Participating - Others0Non Linked Participating - Life7600000Non Linked Participating - Pension0Non Linked Participating - Health0Non Linked Participating - Others0Non Linked Non Participating - Life563600000Non Linked Non Participating - Pension-363500000Non Linked Non Participating - Health1200000Non Linked Non Participating - Others0Shareholders480200000Unallocated0Linked Non Participating - Life180813800000Linked Non Participating - Pension2761600000Linked Non Participating - Health0Linked Non Participating - Others0Non Linked Participating - Life80615200000Non Linked Participating - Pension0Non Linked Participating - Health0Non Linked Participating - Others0Non Linked Non Participating - Life139866600000Non Linked Non Participating - Pension25977800000Non Linked Non Participating - Health56700000Non Linked Non Participating - Others0Shareholders15430900000Unallocated0Linked Non Participating - Life180813800000Linked Non Participating - Pension2761600000Linked Non Participating - Health0Linked Non Participating - Others0Non Linked Participating - Life80615200000Non Linked Participating - Pension0Non Linked Participating - Health0Non Linked Participating - Others0Non Linked Non Participating - Life139866600000Non Linked Non Participating - Pension25977800000Non Linked Non Participating - Health56700000Non Linked Non Participating - Others0Shareholders15430900000Unallocated01. Segment Policy Liabilities include fund for future appropriations.950000000059309000000015430900000068550000023949390000000134341300000377634000001018920000001717000001824656000004226450000007446700000445522600000151236000002433087000001824656000001406500000387400000030584000008988100000120465000008937700000278000000921570000028308000000044552260000032346000001. The Company does not have any subsidiaries/ associates/ joint venture companies, therefore, consolidated financial statements are not applicable to the Company. <br></br> <br></br> 2. The above standalone unaudited financial results have been prepared in accordance with the recognition and measurement principles laid down in Accounting Standard 25 "Interim Financial Reporting" ("AS 25") prescribed under Section 133 of the Companies Act, 2013, the relevant provision prescribed by IRDAI (Actuarial, Finance and Investment Functions of Insurers) Regulations, 2024, requirements of Regulation 33 of the SEBI (Listing Obligation and Disclosure Requirements) Regulations, 2015, as amended from time to time, to the extent applicable and IRDAI circular IRDA/F&I/REG/CIR/208/10/2016 dated October 25, 2016 on publication of financial results for life insurance companies. <br></br> <br></br> 3. The standalone financial results of the Company for the quarter and six months ended September 30, 2025 were reviewed by the Audit Committee and subsequently approved by the Board of Directors at its meeting held on October 27, 2025. <br></br> <br></br> 4. The above standalone financial results have been reviewed by the joint statutory auditors of the Company, Raj Har Gopal & Co. (Firm Registration No. 002074N) and Brahmayya & Co. (Firm Registration No. 000513S). <br></br> <br></br> 5. The amounts for the quarter ended September 30, 2025 are balancing amount between the amount as per financial statements for the six months ended September 30, 2025 and the amount as per financial statements for quarter ended June 30, 2025. The same also applies for the amount for the quarter ended September 30, 2024. <br></br> <br></br> 6. In view of seasonality of industry, the results of interim period are not necessarily indicative of the results that may be expected of any other interim periods or for the full year. <br></br> <br></br> 7. As on 30th September 2025, the Company has 950,000,000 Issued, subscribed and paid-up equity shares (face value of Rs 10 each), out of which 484,500,000 equity shares (previous year 484,500,000 equity shares) were held by Canara Bank and its nominees and therefore Canara Bank is classified as a holding Company in the financials. <br></br> <br></br> Pursuant to listing of the Companys equity shares on stock exchanges in India (NSE and BSE) on October 17, 2025, the existing shareholders sold 237,500,000 equity shares through an offer for sales in its initial public offering (IPO). In this offering, Canara Bank sold 137,750,000 shares and as a result the Company ceases to be a subsidiary of Canara Bank. HSBC Insurance (Asia-Pacific) Holdings Limited and Punjab National Bank also sold 4,750,000 and 95,000,000 shares, respectively. As a result of this transaction, there is no impact on financial position of the Company on the date of adoption of financial statements except as stated above. <br></br> <br></br> 8. During the quarter ended September 30, 2025, the Board Nomination & Remuneration Committee ('NRC') of the Company has approved grant of 56,99,958 Stock Options to eligible employees in accordance with the Company's Employee Stock Option Plan 2025 (the ESOP Scheme) approved by the shareholders of the Company. <br></br> <br></br> 9. In accordance with the requirements of IRDAI circular on 'Public Disclosures by Insurers' dated September 30, 2021, the Company will publish the financials on the company's website not later than November 11, 2025. <br></br> <br></br> 10. Figures of the previous period have been re-grouped wherever necessary, to conform to the current year presentation. <br></br> <br></br> <br></br> <br></br> Cash Flow Notes: <br></br> 1. Payments for premiums and claims, annuities and other policy benefits includes Payments to the re-insurers, net of commissions and claims, Payments to co-insurers, net of claims recovery and Payments of claims. <br></br> 2. Other cash payments from operating activities includes Payments of other operating expenses (Includes amount paid towards Corporate Social Responsibility expenditure), Preliminary and pre-operative expenses, Deposits, advances and staff loans and Goods and Service Tax (GST) paid. <br></br> 3. Other inflows (outflows) of cash in Cash flows from used in investing activities includes Purchase of Investments, Loans against policies , Sale of Investments and Investments in money market instruments and in liquid mutual funds (Net) (includes movement in net current assets). <br></br> 4. Interest received includes Interests and Dividends received.00041311700000066900000000248846000000865000000078440000000006570000007778300000000000300000035000000000000000000000103625000000-215763000000-112458000000000000000000000-34675000000-34675000001871540000015247900000Canara HSBC Life Insurance Company Limited******Canara Bank******Holding CompanyAny other transactionEstablishment, consultancy and other expensesLimited approved by Audit Committee: At Actuals1155500000Canara HSBC Life Insurance Company Limited******Canara Bank******Holding CompanyAny other transactionReimbursement of expenses- Electricity Charges and Property TaxLimited approved by Audit Committee: At Actuals348300000Canara HSBC Life Insurance Company Limited******Canara Bank******Holding CompanyAny other transactionCommission7485000000-18409880004568300058956000Canara HSBC Life Insurance Company Limited******Canara Bank******Holding CompanyAny other transactionBenefits PaidLimited approved by Audit Committee: At Actuals as per approved product terms and conditions7991200000Canara HSBC Life Insurance Company Limited******Canara Bank******Holding CompanyAny other transactionPremium Income13500000000-512439300000Canara HSBC Life Insurance Company Limited******Canara Bank******Holding CompanyDividend paidLimited approved by Audit Committee: At Actuals00193800000Canara HSBC Life Insurance Company Limited******Punjab National Bank******Substantial InterestDividend paidLimited approved by Audit Committee: At Actuals0087400000Canara HSBC Life Insurance Company Limited******HSBC Insurance (Asia-Pacific) Holdings Limited******Substantial InterestDividend paidLimited approved by Audit Committee: At Actuals0098800000Canara HSBC Life Insurance Company Limited******Karnataka Grameena Bank******Associates of Holding CompanyAny other transactionEstablishment, consultancy and other expenses5625000-142800000Canara HSBC Life Insurance Company Limited******Kerala Gramin Bank******Associates of Holding CompanyAny other transactionEstablishment, consultancy and other expenses2250000-300000Canara HSBC Life Insurance Company Limited******Punjab National Bank******Substantial InterestAny other transactionEstablishment, consultancy and other expenses5625000-12400000Canara HSBC Life Insurance Company Limited******The Hongkong and Shanghai Banking Corporation Limited******Substantial InterestAny other transactionEstablishment, consultancy and other expenses11250000-109400000Canara HSBC Life Insurance Company Limited******HSBC Securities and Capital Markets (India) Private Limited******Substantial InterestAny other transactionBrokerage75000000-392300067000277000Canara HSBC Life Insurance Company Limited******Canara Bank Securities Limited******Fellow SubsidiaryAny other transactionBrokerage75000000-368600055000114000Canara HSBC Life Insurance Company Limited******CanFin Homes Ltd******Associates of Holding CompanyAny other transactionCommission112500000-1515600054560003362000Canara HSBC Life Insurance Company Limited******Kerala Gramin Bank******Associates of Holding CompanyAny other transactionCommission90000000-1191600089980002777000Canara HSBC Life Insurance Company Limited******Karnataka Vikas Grameena Bank******Associates of Holding CompanyAny other transactionCommission1080000000-4343000183890000Canara HSBC Life Insurance Company Limited******Karnataka Gramin Bank******Associates of Holding CompanyAny other transactionCommission1080000000-12647000433720000Canara HSBC Life Insurance Company Limited******Karnataka Grameena Bank******Associates of Holding CompanyAny other transactionCommission1080000000-99546000024153000Canara HSBC Life Insurance Company Limited******Andhra Pragathi Grameena Bank******Associates of Holding CompanyAny other transactionCommission0-080520000Canara HSBC Life Insurance Company Limited******Punjab National Bank******Substantial InterestAny other transactionCommission517500000-62922000251190009757000Canara HSBC Life Insurance Company Limited******Himachal Pradesh Gramin Bank******Substantial InterestAny other transactionCommission22500000-1628000403000301000Canara HSBC Life Insurance Company Limited******Tripura Gramin Bank******Substantial InterestAny other transactionCommission22500000-515400014980001194000Canara HSBC Life Insurance Company Limited******The Hongkong and Shanghai Banking Corporation Limited******Substantial InterestAny other transactionCommission1192500000-2372080005524200048527000Canara HSBC Life Insurance Company Limited******HSBC Software Development (India) Private Limited******Substantial InterestAny other transactionBenefits PaidLimited approved by Audit Committee: At Actuals as per approved product terms and conditions15572200000Canara HSBC Life Insurance Company Limited******Canara Robeco Asset Management Company******Fellow SubsidiaryAny other transactionPremium Income45000000-254000000Canara HSBC Life Insurance Company Limited******CanFin Homes Ltd******Associates of Holding CompanyAny other transactionPremium Income3375000000-29547600000Canara HSBC Life Insurance Company Limited******Karnataka Grameena Bank******Associates of Holding CompanyAny other transactionPremium Income1738632000-69354500000Canara HSBC Life Insurance Company Limited******Karnataka Gramin Bank******Associates of Holding CompanyAny other transactionPremium Income1738632000-420600000Canara HSBC Life Insurance Company Limited******Kerala Gramin Bank******Associates of Holding CompanyAny other transactionPremium Income45000000-625400000Canara HSBC Life Insurance Company Limited******Punjab National Bank******Substantial InterestAny other transactionPremium Income112500000--2000000Canara HSBC Life Insurance Company Limited******The Hongkong and Shanghai Banking Corporation Limited******Substantial InterestAny other transactionPremium Income1350000000-2062300000Canara HSBC Life Insurance Company Limited******HSBC Invest Direct Securities (India) Private Limited******Substantial InterestAny other transactionPremium Income11250000-4300000Canara HSBC Life Insurance Company Limited******HSBC Asset Management (India) Private Limited******Substantial InterestAny other transactionPremium Income45000000-51700000Canara HSBC Life Insurance Company Limited******HSBC Professional Services (India) Private Limited******Substantial InterestAny other transactionPremium Income22500000-15400000Canara HSBC Life Insurance Company Limited******HSBC Securities and Capital Markets (India) Private Limited******Substantial InterestAny other transactionPremium Income22500000-64000000Canara HSBC Life Insurance Company Limited******HSBC Electronic Data Processing India Private Limited******Substantial InterestAny other transactionPremium Income225000000-6100200000Canara HSBC Life Insurance Company Limited******HSBC Software Development (India) Private Limited******Substantial InterestAny other transactionPremium Income3397500000-80900100000Canara HSBC Life Insurance Company Limited******Mr. Anuj Mathur******Key Management PersonnelAny other transactionPremium Income11250000-56300000Canara HSBC Life Insurance Company Limited******Tripura Gramin Bank******Substantial InterestAny other transactionPremium Income11250000-1622000000Canara HSBC Life Insurance Company Limited******The Hongkong and Shanghai Banking Corporation Limited******Substantial InterestAny other transactionInterest and Investment Income7500000000-83400000Canara HSBC Life Insurance Company Limited******The Hongkong and Shanghai Banking Corporation Limited******Substantial InterestAny other transactionMargin Receivable7500000000-0077600000Canara HSBC Life Insurance Company Limited******The Hongkong and Shanghai Banking Corporation Limited******Substantial InterestAny other transactionGuarantees and Collaterals22500000-055000005000000Canara HSBC Life Insurance Company Limited******PNB Metlife India Insurance Company Limited******Substantial InterestAny other transactionPurchase of Investment - Deposits, Debt & Money market instruments3000000000-19711000000Canara HSBC Life Insurance Company Limited******Punjab National Bank******Substantial InterestAny other transactionPurchase of Investment - Deposits, Debt & Money market instruments3000000000-51650400000Canara HSBC Life Insurance Company Limited******Punjab National Bank******Substantial InterestAny other transactionSale / Maturity of Investment - Deposits, Debt & Money market instruments3000000000-2692340000010571277000