HDFC Life posts steady FY25 performance with strong growth in key metrics

reported a strong performance for FY25 with 18% growth in individual premium (APE) and 13% rise in value of new business (VNB). Though Q4 APE at ₹5,186 crore came slightly below expectations of ₹5,343 crore due to rising competition, profitability stayed healthy. VNB for the quarter grew 11% to ₹1,376 crore, and the VNB margin improved to 26.5%. For the full year, overall market share increased by 70 basis points to 11.1%, and private sector share rose to 15.7%. Assets under management grew 15% year-on-year to ₹3.36 lakh crore. Persistency remained strong with 87% in the 13th month and 63% in the 61st month, showing significant improvement. FY25 profit after tax rose 15% to ₹1,802 crore, and the company announced a final dividend of ₹2.1 per share. Over 90% of service requests are now handled digitally, highlighting its tech-led focus. The stock closed at ₹720.05 on April 17, up 0.56%. The daily and weekly charts of HDFC Life show a strong bullish structure. The price has recently given a breakout above the ₹710 resistance, backed by strong volume and a positive price action setup. It is now trading near ₹720, comfortably above the 100 EMA (₹639.38), 70 EMA (₹639.89), and 9 EMA (₹693.87) on the daily chart, suggesting strength in momentum. The ascending trendline support, visible on both timeframes, remains intact since 2023, indicating a long-term uptrend. The next resistance zone lies around ₹758, and a successful close above that could open the gates for further upside. RSI at 71.40 (daily) and 65.36 (weekly), showing strong buying interest but not yet in the overbought zone. Overall, the stock looks bullish in the near to medium term, and any pullback towards ₹700–₹710 could be a buying opportunity, as long as it sustains above ₹664. Disclaimer: This post is for informational purposes only and not a recommendation to buy or sell any securities. I, or my family, associates, or relatives, may have a financial interest in the securities mentioned.