<?xml version="1.0" encoding="UTF-8"?>
<xbrli:xbrl xmlns:in-capmkt="http://www.bseindia.com/xbrl/2020-03-31/in-capmkt" xmlns:in-capmkt-roles="http://www.bseindia.com/xbrl/Insurance/2020-03-31/in-capmkt-roles" xmlns:in-capmkt-ent="http://www.bseindia.com/xbrl/Insurance/2020-03-31/in-capmkt/in-capmkt-ent" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:net="http://www.xbrl.org/2009/role/net" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:negated="http://www.xbrl.org/2009/role/negated" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xl="http://www.xbrl.org/2003/XLink">
<link:schemaRef xlink:type="simple" xlink:href="in-capmkt-ent-2020-03-31.xsd"/>
<xbrli:context id="OneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period></xbrli:context>
<xbrli:context id="OneI"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-06-30</xbrli:instant></xbrli:period></xbrli:context>
<xbrli:context id="OnePolicyholdersAccountOtherIncome01MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:DetailsOfPolicyholdersAccountOtherIncomeAxis">in-capmkt:PolicyholdersAccountOtherIncome1Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneOtherOperatingExpenses01MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:DetailsOfOtherOperatingExpensesAxis">in-capmkt:OtherOperatingExpenses1Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneShareholdersAccountOtherIncome01MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:DetailsOfShareholdersAccountOtherIncomeAxis">in-capmkt:ShareholdersAccountOtherIncome1Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableIncomeSegments01MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentRevenueAxis">in-capmkt:ReportableSegmentsMember1</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableIncomeSegments22MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentRevenueAxis">in-capmkt:ReportableSegmentsMember22</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSurplusSegments01MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentSurplusDeficitAxis">in-capmkt:ReportableSegmentsMember1</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSurplusSegments02MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentSurplusDeficitAxis">in-capmkt:ReportableSegmentsMember2</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSurplusSegments03MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentSurplusDeficitAxis">in-capmkt:ReportableSegmentsMember3</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSurplusSegments04MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentSurplusDeficitAxis">in-capmkt:ReportableSegmentsMember4</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSurplusSegments05MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentSurplusDeficitAxis">in-capmkt:ReportableSegmentsMember5</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSurplusSegments06MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentSurplusDeficitAxis">in-capmkt:ReportableSegmentsMember6</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSurplusSegments07MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentSurplusDeficitAxis">in-capmkt:ReportableSegmentsMember7</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSurplusSegments08MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentSurplusDeficitAxis">in-capmkt:ReportableSegmentsMember8</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSurplusSegments09MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentSurplusDeficitAxis">in-capmkt:ReportableSegmentsMember9</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSurplusSegments10MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentSurplusDeficitAxis">in-capmkt:ReportableSegmentsMember10</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSurplusSegments11MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentSurplusDeficitAxis">in-capmkt:ReportableSegmentsMember11</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSurplusSegments12MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentSurplusDeficitAxis">in-capmkt:ReportableSegmentsMember12</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSurplusSegments21MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentSurplusDeficitAxis">in-capmkt:ReportableSegmentsMember21</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSurplusSegments22MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentSurplusDeficitAxis">in-capmkt:ReportableSegmentsMember22</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableAssetSegments01MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegmentsMember1</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableAssetSegments01MemberI"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-06-30</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegmentsMember1</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableAssetSegments02MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegmentsMember2</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableAssetSegments02MemberI"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-06-30</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegmentsMember2</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableAssetSegments03MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegmentsMember3</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableAssetSegments03MemberI"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-06-30</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegmentsMember3</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableAssetSegments04MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegmentsMember4</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableAssetSegments04MemberI"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-06-30</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegmentsMember4</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableAssetSegments05MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegmentsMember5</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableAssetSegments05MemberI"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-06-30</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegmentsMember5</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableAssetSegments06MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegmentsMember6</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableAssetSegments06MemberI"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-06-30</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegmentsMember6</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableAssetSegments07MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegmentsMember7</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableAssetSegments07MemberI"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-06-30</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegmentsMember7</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableAssetSegments08MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegmentsMember8</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableAssetSegments08MemberI"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-06-30</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegmentsMember8</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableAssetSegments09MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegmentsMember9</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableAssetSegments09MemberI"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-06-30</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegmentsMember9</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableAssetSegments10MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegmentsMember10</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableAssetSegments10MemberI"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-06-30</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegmentsMember10</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableAssetSegments11MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegmentsMember11</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
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<xbrli:context id="OneReportableAssetSegments12MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">HDFCLIFE</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegmentsMember12</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
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<in-capmkt:ProfitLossAfterTaxAndExtraordinaryItems contextRef="OneD" unitRef="INR" decimals="-5">4776500000.00</in-capmkt:ProfitLossAfterTaxAndExtraordinaryItems>
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<in-capmkt:ShareholderFund contextRef="OneI" unitRef="INR" decimals="-5">155263000000.00</in-capmkt:ShareholderFund>
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<in-capmkt:Investments contextRef="OneI" unitRef="INR" decimals="-5">3102440400000.00</in-capmkt:Investments>
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<in-capmkt:Assets contextRef="OneI" unitRef="INR" decimals="-5">3111865900000.00</in-capmkt:Assets>
<in-capmkt:SolvencyRatio contextRef="OneD" unitRef="pure" decimals="INF">0.02</in-capmkt:SolvencyRatio>
<in-capmkt:ExpensesOfManagementRatio contextRef="OneD" unitRef="pure" decimals="INF">0</in-capmkt:ExpensesOfManagementRatio>
<in-capmkt:PolicyholdersLiabilitiesToShareholdersFund contextRef="OneD" unitRef="INR" decimals="-5">1923200</in-capmkt:PolicyholdersLiabilitiesToShareholdersFund>
<in-capmkt:BasicAndDilutedEPSBeforeExtraordinaryItemsNetOfTaxExpenseForThePeriodNotToBeAnnualized contextRef="OneD" unitRef="INRPerShare" decimals="INF">2.22</in-capmkt:BasicAndDilutedEPSBeforeExtraordinaryItemsNetOfTaxExpenseForThePeriodNotToBeAnnualized>
<in-capmkt:BasicAndDilutedEPSAfterExtraordinaryItemsNetOfTaxExpenseForThePeriodNotToBeAnnualized contextRef="OneD" unitRef="INRPerShare" decimals="INF">2.22</in-capmkt:BasicAndDilutedEPSAfterExtraordinaryItemsNetOfTaxExpenseForThePeriodNotToBeAnnualized>
<in-capmkt:NonLinkedParticipatingPolicyholdersFundGrossNPAs contextRef="OneD" unitRef="pure" decimals="INF">108600000</in-capmkt:NonLinkedParticipatingPolicyholdersFundGrossNPAs>
<in-capmkt:NonLinkedNonParticipatingPolicyholdersFundGrossNPAs contextRef="OneD" unitRef="pure" decimals="INF">93300000</in-capmkt:NonLinkedNonParticipatingPolicyholdersFundGrossNPAs>
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<in-capmkt:LinkedNonParticipatingPolicyholdersFundGrossNPAs contextRef="OneD" unitRef="pure" decimals="INF">662700000</in-capmkt:LinkedNonParticipatingPolicyholdersFundGrossNPAs>
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<in-capmkt:NonLinkedNonParticipatingPolicyholdersFundPercentageOfNetNPAs contextRef="OneD" unitRef="pure" decimals="INF">0</in-capmkt:NonLinkedNonParticipatingPolicyholdersFundPercentageOfNetNPAs>
<in-capmkt:LinkedParticipatingPolicyholdersFundPercentageOfNetNPAs contextRef="OneD" unitRef="pure" decimals="INF">0</in-capmkt:LinkedParticipatingPolicyholdersFundPercentageOfNetNPAs>
<in-capmkt:LinkedNonParticipatingPolicyholdersFundPercentageOfNetNPAs contextRef="OneD" unitRef="pure" decimals="INF">0</in-capmkt:LinkedNonParticipatingPolicyholdersFundPercentageOfNetNPAs>
<in-capmkt:NonLinkedParticipatingPolicyholdersFundWithoutUnrealisedGains contextRef="OneD" unitRef="pure" decimals="INF">0</in-capmkt:NonLinkedParticipatingPolicyholdersFundWithoutUnrealisedGains>
<in-capmkt:NonLinkedNonParticipatingPolicyholdersFundWithoutUnrealisedGains contextRef="OneD" unitRef="pure" decimals="INF">0</in-capmkt:NonLinkedNonParticipatingPolicyholdersFundWithoutUnrealisedGains>
<in-capmkt:LinkedParticipatingPolicyholdersFundWithoutUnrealisedGains contextRef="OneD" unitRef="pure" decimals="INF">0</in-capmkt:LinkedParticipatingPolicyholdersFundWithoutUnrealisedGains>
<in-capmkt:LinkedNonParticipatingPolicyholdersFundWithoutUnrealisedGains contextRef="OneD" unitRef="pure" decimals="INF">0</in-capmkt:LinkedNonParticipatingPolicyholdersFundWithoutUnrealisedGains>
<in-capmkt:NonLinkedParticipatingPolicyholdersFundWithUnrealisedGains contextRef="OneD" unitRef="pure" decimals="INF">0</in-capmkt:NonLinkedParticipatingPolicyholdersFundWithUnrealisedGains>
<in-capmkt:NonLinkedNonParticipatingPolicyholdersFundWithUnrealisedGains contextRef="OneD" unitRef="pure" decimals="INF">0</in-capmkt:NonLinkedNonParticipatingPolicyholdersFundWithUnrealisedGains>
<in-capmkt:LinkedParticipatingPolicyholdersFundWithUnrealisedGains contextRef="OneD" unitRef="pure" decimals="INF">0</in-capmkt:LinkedParticipatingPolicyholdersFundWithUnrealisedGains>
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<in-capmkt:GrossNPAsShareholdersFund contextRef="OneD" unitRef="INR" decimals="-5">157900000</in-capmkt:GrossNPAsShareholdersFund>
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<in-capmkt:PercentageOfGrossNPAsShareholdersFund contextRef="OneD" unitRef="pure" decimals="INF">0</in-capmkt:PercentageOfGrossNPAsShareholdersFund>
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<in-capmkt:ShareholdersFundWithoutUnrealisedGains contextRef="OneD" unitRef="INR" decimals="-5">2000.00</in-capmkt:ShareholdersFundWithoutUnrealisedGains>
<in-capmkt:ShareholdersFundWithUnrealisedGains contextRef="OneD" unitRef="INR" decimals="-5">3000.00</in-capmkt:ShareholdersFundWithUnrealisedGains>
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<in-capmkt:PersistencyRatio25ThMonth contextRef="OneD" unitRef="pure" decimals="INF">0.01</in-capmkt:PersistencyRatio25ThMonth>
<in-capmkt:PersistencyRatio37ThMonth contextRef="OneD" unitRef="pure" decimals="INF">0.01</in-capmkt:PersistencyRatio37ThMonth>
<in-capmkt:PersistencyRatio49ThMonth contextRef="OneD" unitRef="pure" decimals="INF">0.01</in-capmkt:PersistencyRatio49ThMonth>
<in-capmkt:ConservationRatio contextRef="OneD" unitRef="pure" decimals="INF">0.01</in-capmkt:ConservationRatio>
<in-capmkt:PercentageOfSharesHeldByGovernmentOfIndiaInCaseOfPublicSectorInsuranceCompanies contextRef="OneD" unitRef="pure" decimals="INF">0</in-capmkt:PercentageOfSharesHeldByGovernmentOfIndiaInCaseOfPublicSectorInsuranceCompanies>
<in-capmkt:NoOfInvestorComplaintsPendingAtTheBeginningOfThePeriod contextRef="OneI" unitRef="pure" decimals="INF">0</in-capmkt:NoOfInvestorComplaintsPendingAtTheBeginningOfThePeriod>
<in-capmkt:NoOfInvestorComplaintsDuringThePeriod contextRef="OneD" unitRef="pure" decimals="INF">0</in-capmkt:NoOfInvestorComplaintsDuringThePeriod>
<in-capmkt:NoOfInvestorComplaintsDisposedOffDuringThePeriod contextRef="OneD" unitRef="pure" decimals="INF">0</in-capmkt:NoOfInvestorComplaintsDisposedOffDuringThePeriod>
<in-capmkt:NoOfInvestorComplaintsRemainingUnresolvedAtTheEndOfThePeriod contextRef="OneI" unitRef="pure" decimals="INF">0</in-capmkt:NoOfInvestorComplaintsRemainingUnresolvedAtTheEndOfThePeriod>
<in-capmkt:DisclosureOfNotesOnFinancialResultsExplanatoryTextBlock contextRef="OneD">Notes pertaining to Statement of Standalone Audited Results for quarter ended June 30, 2024:   1. Net premium income is net of reinsurance.      2. Income from investments (Net) is net of amortisation and losses (including capital gains).      3. Net Commission is net of reinsurance. Rewards have been included in First year commission.      4. Benefits Paid (Net) is net of reinsurance and inclusive of interim and terminal bonus.      5. Expenses other than those related to insurance business includes Remuneration of MD/CEOs/WTDs over specifed limits and interest on Non convertible debentures.      6. Provisions for diminution in value of investments is inclusive of provision for standard and non-standard assets.      7. Profit carried to Balance Sheet represents accumulated surplus.      8. Analytical ratios have been calculated as per definition given in IRDAI Analytical ratios disclosure.      9. Profit after tax comprises:       Underwriting profits    Q1 (a) Existing business surplus (i) 1,41,611     (b) New business strain (ii)                (1,15,397)    Shareholders' surplus (iii)                  21,551         (i) Represents profit emerging during current period from business written in prior years       (ii) Insurance contracts being long term in nature revenue is recognised over the period of the contract as against costs being recognised in the period in which they are incurred, leading to New business strain.       (iii) Represents investment and other income arising on shareholders' funds, net of expenses and taxes</in-capmkt:DisclosureOfNotesOnFinancialResultsExplanatoryTextBlock>
<in-capmkt:DescriptionOfPolicyholdersAccountOtherIncome contextRef="OnePolicyholdersAccountOtherIncome01MemberD">Other income</in-capmkt:DescriptionOfPolicyholdersAccountOtherIncome>
<in-capmkt:PolicyholdersAccountOtherIncome contextRef="OnePolicyholdersAccountOtherIncome01MemberD" unitRef="INR" decimals="-5">667200000.00</in-capmkt:PolicyholdersAccountOtherIncome>
<in-capmkt:DescriptionOfOtherOperatingExpenses contextRef="OneOtherOperatingExpenses01MemberD">Other operating expenses</in-capmkt:DescriptionOfOtherOperatingExpenses>
<in-capmkt:OtherOperatingExpenses contextRef="OneOtherOperatingExpenses01MemberD" unitRef="INR" decimals="-5">4119900000.00</in-capmkt:OtherOperatingExpenses>
<in-capmkt:DescriptionOfShareholdersAccountOtherIncome contextRef="OneShareholdersAccountOtherIncome01MemberD">Other income</in-capmkt:DescriptionOfShareholdersAccountOtherIncome>
<in-capmkt:ShareholdersAccountOtherIncome contextRef="OneShareholdersAccountOtherIncome01MemberD" unitRef="INR" decimals="-5">200000.00</in-capmkt:ShareholdersAccountOtherIncome>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableIncomeSegments01MemberD">Shareholders</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:NetPremium contextRef="OneReportableIncomeSegments01MemberD" unitRef="INR" decimals="-5">0.00</in-capmkt:NetPremium>
<in-capmkt:IncomeFormInvestments contextRef="OneReportableIncomeSegments01MemberD" unitRef="INR" decimals="-5">2571600000.00</in-capmkt:IncomeFormInvestments>
<in-capmkt:TransferOfFundsFromShareholdersAccount contextRef="OneReportableIncomeSegments01MemberD" unitRef="INR" decimals="-5">0.00</in-capmkt:TransferOfFundsFromShareholdersAccount>
<in-capmkt:OtherIncome contextRef="OneReportableIncomeSegments01MemberD" unitRef="INR" decimals="-5">200000.00</in-capmkt:OtherIncome>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableIncomeSegments22MemberD">Unallocated</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:NetPremium contextRef="OneReportableIncomeSegments22MemberD" unitRef="INR" decimals="-5">0.00</in-capmkt:NetPremium>
<in-capmkt:IncomeFormInvestments contextRef="OneReportableIncomeSegments22MemberD" unitRef="INR" decimals="-5">0.00</in-capmkt:IncomeFormInvestments>
<in-capmkt:TransferOfFundsFromShareholdersAccount contextRef="OneReportableIncomeSegments22MemberD" unitRef="INR" decimals="-5">0.00</in-capmkt:TransferOfFundsFromShareholdersAccount>
<in-capmkt:OtherIncome contextRef="OneReportableIncomeSegments22MemberD" unitRef="INR" decimals="-5">0.00</in-capmkt:OtherIncome>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableSurplusSegments01MemberD">Segment A - Participating - Individual &amp; Group Life</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SurplusDeficit contextRef="OneReportableSurplusSegments01MemberD" unitRef="INR" decimals="-5">3159800000.00</in-capmkt:SurplusDeficit>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableSurplusSegments02MemberD">Segment B - Participating - Individual &amp; Group Pension</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SurplusDeficit contextRef="OneReportableSurplusSegments02MemberD" unitRef="INR" decimals="-5">133600000.00</in-capmkt:SurplusDeficit>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableSurplusSegments03MemberD">Segment C - Non Participating - Individual &amp; Group Life</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SurplusDeficit contextRef="OneReportableSurplusSegments03MemberD" unitRef="INR" decimals="-5">532400000.00</in-capmkt:SurplusDeficit>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableSurplusSegments04MemberD">Segment D - Non Participating - Life Group Variable</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SurplusDeficit contextRef="OneReportableSurplusSegments04MemberD" unitRef="INR" decimals="-5">43000000.00</in-capmkt:SurplusDeficit>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableSurplusSegments05MemberD">Segment E - Non Participating - Individual &amp; Group Pension</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SurplusDeficit contextRef="OneReportableSurplusSegments05MemberD" unitRef="INR" decimals="-5">5700000.00</in-capmkt:SurplusDeficit>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableSurplusSegments06MemberD">Segment F - Non Participating - Individual &amp; Group Pension Variable</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SurplusDeficit contextRef="OneReportableSurplusSegments06MemberD" unitRef="INR" decimals="-5">-43200000.00</in-capmkt:SurplusDeficit>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableSurplusSegments07MemberD">Segment G - Non Participating - Individual &amp; Group Annuity</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SurplusDeficit contextRef="OneReportableSurplusSegments07MemberD" unitRef="INR" decimals="-5">245700000.00</in-capmkt:SurplusDeficit>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableSurplusSegments08MemberD">Segment H - Non Participating - Individual &amp; Group Health</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SurplusDeficit contextRef="OneReportableSurplusSegments08MemberD" unitRef="INR" decimals="-5">21100000.00</in-capmkt:SurplusDeficit>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableSurplusSegments09MemberD">Segment I - Unit Linked - Individual Life</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SurplusDeficit contextRef="OneReportableSurplusSegments09MemberD" unitRef="INR" decimals="-5">1058700000.00</in-capmkt:SurplusDeficit>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableSurplusSegments10MemberD">Segment J - Unit Linked - Individual Pension</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SurplusDeficit contextRef="OneReportableSurplusSegments10MemberD" unitRef="INR" decimals="-5">240800000.00</in-capmkt:SurplusDeficit>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableSurplusSegments11MemberD">Segment K - Unit Linked - Group Life</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SurplusDeficit contextRef="OneReportableSurplusSegments11MemberD" unitRef="INR" decimals="-5">156000000.00</in-capmkt:SurplusDeficit>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableSurplusSegments12MemberD">Segment L - Unit Linked - Group Pension</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SurplusDeficit contextRef="OneReportableSurplusSegments12MemberD" unitRef="INR" decimals="-5">9700000.00</in-capmkt:SurplusDeficit>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableSurplusSegments21MemberD">Shareholders</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SurplusDeficit contextRef="OneReportableSurplusSegments21MemberD" unitRef="INR" decimals="-5">2175900000.00</in-capmkt:SurplusDeficit>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableSurplusSegments22MemberD">Unallocated</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SurplusDeficit contextRef="OneReportableSurplusSegments22MemberD" unitRef="INR" decimals="-5">0.00</in-capmkt:SurplusDeficit>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableAssetSegments01MemberD">Segment A - Participating - Individual &amp; Group Life</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentAssets contextRef="OneReportableAssetSegments01MemberI" unitRef="INR" decimals="-5">660318500000.00</in-capmkt:SegmentAssets>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableAssetSegments02MemberD">Segment B - Participating - Individual &amp; Group Pension</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentAssets contextRef="OneReportableAssetSegments02MemberI" unitRef="INR" decimals="-5">28142200000.00</in-capmkt:SegmentAssets>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableAssetSegments03MemberD">Segment C - Non Participating - Individual &amp; Group Life</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentAssets contextRef="OneReportableAssetSegments03MemberI" unitRef="INR" decimals="-5">856025700000.00</in-capmkt:SegmentAssets>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableAssetSegments04MemberD">Segment D - Non Participating - Life Group Variable</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentAssets contextRef="OneReportableAssetSegments04MemberI" unitRef="INR" decimals="-5">20709200000.00</in-capmkt:SegmentAssets>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableAssetSegments05MemberD">Segment E - Non Participating - Individual &amp; Group Pension</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentAssets contextRef="OneReportableAssetSegments05MemberI" unitRef="INR" decimals="-5">31223400000.00</in-capmkt:SegmentAssets>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableAssetSegments06MemberD">Segment F - Non Participating - Individual &amp; Group Pension Variable</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentAssets contextRef="OneReportableAssetSegments06MemberI" unitRef="INR" decimals="-5">26074800000.00</in-capmkt:SegmentAssets>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableAssetSegments07MemberD">Segment G - Non Participating - Individual &amp; Group Annuity</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentAssets contextRef="OneReportableAssetSegments07MemberI" unitRef="INR" decimals="-5">288222900000.00</in-capmkt:SegmentAssets>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableAssetSegments08MemberD">Segment H - Non Participating - Individual &amp; Group Health</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentAssets contextRef="OneReportableAssetSegments08MemberI" unitRef="INR" decimals="-5">338300000.00</in-capmkt:SegmentAssets>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableAssetSegments09MemberD">Segment I - Unit Linked - Individual Life</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentAssets contextRef="OneReportableAssetSegments09MemberI" unitRef="INR" decimals="-5">863080700000.00</in-capmkt:SegmentAssets>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableAssetSegments10MemberD">Segment J - Unit Linked - Individual Pension</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentAssets contextRef="OneReportableAssetSegments10MemberI" unitRef="INR" decimals="-5">58175500000.00</in-capmkt:SegmentAssets>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableAssetSegments11MemberD">Segment K - Unit Linked - Group Life</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentAssets contextRef="OneReportableAssetSegments11MemberI" unitRef="INR" decimals="-5">98715500000.00</in-capmkt:SegmentAssets>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableAssetSegments12MemberD">Segment L - Unit Linked - Group Pension</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentAssets contextRef="OneReportableAssetSegments12MemberI" unitRef="INR" decimals="-5">15413700000.00</in-capmkt:SegmentAssets>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableAssetSegments21MemberD">Shareholders</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentAssets contextRef="OneReportableAssetSegments21MemberI" unitRef="INR" decimals="-5">163020200000.00</in-capmkt:SegmentAssets>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableAssetSegments22MemberD">Unallocated</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentAssets contextRef="OneReportableAssetSegments22MemberI" unitRef="INR" decimals="-5">2405300000.00</in-capmkt:SegmentAssets>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableLiabilitiesSegments01MemberD">Segment A - Participating - Individual &amp; Group Life</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentLiabilities contextRef="OneReportableLiabilitiesSegments01MemberI" unitRef="INR" decimals="-5">600338800000.00</in-capmkt:SegmentLiabilities>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableLiabilitiesSegments02MemberD">Segment B - Participating - Individual &amp; Group Pension</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentLiabilities contextRef="OneReportableLiabilitiesSegments02MemberI" unitRef="INR" decimals="-5">25276900000.00</in-capmkt:SegmentLiabilities>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableLiabilitiesSegments03MemberD">Segment C - Non Participating - Individual &amp; Group Life</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentLiabilities contextRef="OneReportableLiabilitiesSegments03MemberI" unitRef="INR" decimals="-5">844808200000.00</in-capmkt:SegmentLiabilities>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableLiabilitiesSegments04MemberD">Segment D - Non Participating - Life Group Variable</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentLiabilities contextRef="OneReportableLiabilitiesSegments04MemberI" unitRef="INR" decimals="-5">20606200000.00</in-capmkt:SegmentLiabilities>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableLiabilitiesSegments05MemberD">Segment E - Non Participating - Individual &amp; Group Pension</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentLiabilities contextRef="OneReportableLiabilitiesSegments05MemberI" unitRef="INR" decimals="-5">29386000000.00</in-capmkt:SegmentLiabilities>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableLiabilitiesSegments06MemberD">Segment F - Non Participating - Individual &amp; Group Pension Variable</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentLiabilities contextRef="OneReportableLiabilitiesSegments06MemberI" unitRef="INR" decimals="-5">25970300000.00</in-capmkt:SegmentLiabilities>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableLiabilitiesSegments07MemberD">Segment G - Non Participating - Individual &amp; Group Annuity</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentLiabilities contextRef="OneReportableLiabilitiesSegments07MemberI" unitRef="INR" decimals="-5">286327700000.00</in-capmkt:SegmentLiabilities>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableLiabilitiesSegments08MemberD">Segment H - Non Participating - Individual &amp; Group Health</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentLiabilities contextRef="OneReportableLiabilitiesSegments08MemberI" unitRef="INR" decimals="-5">370400000.00</in-capmkt:SegmentLiabilities>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableLiabilitiesSegments09MemberD">Segment I - Unit Linked - Individual Life</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentLiabilities contextRef="OneReportableLiabilitiesSegments09MemberI" unitRef="INR" decimals="-5">864188100000.00</in-capmkt:SegmentLiabilities>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableLiabilitiesSegments10MemberD">Segment J - Unit Linked - Individual Pension</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentLiabilities contextRef="OneReportableLiabilitiesSegments10MemberI" unitRef="INR" decimals="-5">58175500000.00</in-capmkt:SegmentLiabilities>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableLiabilitiesSegments11MemberD">Segment K - Unit Linked - Group Life</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentLiabilities contextRef="OneReportableLiabilitiesSegments11MemberI" unitRef="INR" decimals="-5">98776300000.00</in-capmkt:SegmentLiabilities>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableLiabilitiesSegments12MemberD">Segment L - Unit Linked - Group Pension</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentLiabilities contextRef="OneReportableLiabilitiesSegments12MemberI" unitRef="INR" decimals="-5">15413700000.00</in-capmkt:SegmentLiabilities>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableLiabilitiesSegments21MemberD">Shareholders</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentLiabilities contextRef="OneReportableLiabilitiesSegments21MemberI" unitRef="INR" decimals="-5">162837400000.00</in-capmkt:SegmentLiabilities>
<in-capmkt:DescriptionOfReportableSegments contextRef="OneReportableLiabilitiesSegments22MemberD">Unallocated</in-capmkt:DescriptionOfReportableSegments>
<in-capmkt:SegmentLiabilities contextRef="OneReportableLiabilitiesSegments22MemberI" unitRef="INR" decimals="-5">0.00</in-capmkt:SegmentLiabilities>
</xbrli:xbrl>