CANHLIFE
Canara HSBC Life Insurance Company Limited
Life insurer offering term plans, ULIPs and annuity products
Financial Services›Financial Services›Insurance›Life Insurance
canarahsbclife.com(opens the company website in a new tab)Key metrics
Price as of 2026-10-19
Full years shown; sign in free for the trailing twelve months. Learn about these metrics →
Price & valuation
Share price and valuation multiples (P/E, P/B and more) over time.
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What you need to know
Canara HSBC Life (Canara HSBC Life Insurance) sells life insurance in India, including unit-linked, savings, protection and annuity plans, mostly through bank branches of its partner banks, Canara Bank and HSBC.
Company snapshot
6thBy market cap
Ranked among 6 companies in Life Insurance.
What we see
- ✓Cash flow from operations is higher than reported profit — earnings quality looks solid.
- ✗Net margin is very thin at 1.3% — little room for error if costs rise.
Statement tables · Standalone
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Standalone only
Amounts in ₹ Cr · tap + to expand rows
Quarterly results
Insurance layout · ₹ Cr · quarterly
| Metric | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sept 2026 |
|---|---|---|---|---|---|
| Premium | 2,260 Cr | 2,867 Cr | 3,061 Cr | 2,048 Cr | 2,553 Cr |
| Expenses | 2,237 Cr | 4,173 Cr | 1,364 Cr | 4,279 Cr | 2,522 Cr |
| Operating profit | 23 Cr | -1,305 Cr | 1,696 Cr | -2,232 Cr | 31 Cr |
| Investment income | 60 Cr | 1,304 Cr | -1,716 Cr | 2,269 Cr | -33 Cr |
| Other income | 71 Cr | 129 Cr | -41 Cr | 63 Cr | 38 Cr |
| Profit before tax | 45 Cr | 31 Cr | 39 Cr | 32 Cr | 48 Cr |
| Tax % | 9.8% | 10.3% | 10.0% | 10.7% | 10.7% |
| Net profit | 41 Cr | 28 Cr | 35 Cr | 28 Cr | 43 Cr |
| EPS (₹) | ₹0.43 | ₹0.29 | ₹0.37 | ₹0.30 | ₹0.45 |
Profit & loss (annual)
Annual insurance P&L · TTM where available · ₹ Cr
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|
| Premium | 7,030 Cr | 6,933 Cr | 7,850 Cr | 9,841 Cr | Sign in free for the trailing twelve months |
| Expenses | — | — | — | 11,396 Cr | Sign in free for the trailing twelve months |
| Operating profit | — | — | — | -1,555 Cr | Sign in free for the trailing twelve months |
| Investment income | — | — | — | 1,601 Cr | Sign in free for the trailing twelve months |
| Other income | — | — | — | 202 Cr | Sign in free for the trailing twelve months |
| Profit before tax | 100 Cr | 124 Cr | 128 Cr | 141 Cr | Sign in free for the trailing twelve months |
| Tax % | 8.6% | 8.5% | 8.7% | 10.1% | Sign in free for the trailing twelve months |
| Net profit | 91 Cr | 113 Cr | 117 Cr | 127 Cr | Sign in free for the trailing twelve months |
| EPS (₹) | ₹0.96 | ₹1.19 | ₹1.23 | ₹1.33 | Sign in free for the trailing twelve months |
| Dividend payout % | — | — | — | 30.0% | Sign in free for the trailing twelve months |
The latest four quarters added up, next to each full year
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Equity capital | 950 Cr | 950 Cr | 950 Cr | 950 Cr |
| Reserves | 403 Cr | 469 Cr | 567 Cr | 655 Cr |
| Borrowings | — | — | — | 250 Cr |
| Other liabilities | 29,196 Cr | 36,397 Cr | 40,335 Cr | 46,201 Cr |
| Total liabilities | 30,549 Cr | 37,816 Cr | 41,852 Cr | 48,057 Cr |
| Fixed assets (net) | — | — | — | 37 Cr |
| CWIP | — | — | — | — |
| Investments | — | — | — | 46,118 Cr |
| Loans & advances | — | — | — | 220 Cr |
| Cash & bank | 387 Cr | 422 Cr | 611 Cr | 613 Cr |
| Other assets | 30,162 Cr | 37,394 Cr | 41,241 Cr | 1,067 Cr |
| Total assets | 30,549 Cr | 37,816 Cr | 41,852 Cr | 48,057 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Cash from operating activity | 2,592 Cr | 2,310 Cr | 1,208 Cr | 3,534 Cr |
| Cash from investing | -2,576 Cr | -2,045 Cr | -714 Cr | -3,666 Cr |
| Cash from financing | -28 Cr | -47 Cr | -19 Cr | 212 Cr |
| Net cash flow | -12 Cr | 218 Cr | 474 Cr | 80 Cr |
| Free cash flow (OCF − Capex) | 2,568 Cr | 2,282 Cr | 1,196 Cr | 3,523 Cr |
Ratios
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| ROCE % | — | — | — | — |
| ROE % | 6.7% | 8.0% | 7.7% | 7.9% |
| Debtor days | — | — | — | — |
| Inventory days | — | — | — | — |
| Days payable | — | — | — | — |
| Cash conversion cycle | — | — | — | — |
| Debt / equity | — | — | — | 0.16 |
| Current ratio | — | — | — | 1.40 |
| Net debt / EBITDA | — | — | — | — |
Regulatory ratios (as filed, standalone basis)
IRDAI ratios as filed with results. Key metrics may show the investor-deck figure, which can differ.
| Metric | Mar 2026 |
|---|---|
| Solvency ratio | 189.9% |
| Expenses of management ratio | 18.7% |
| Conservation ratio | 86.6% |
| Persistency (13th month) | 86.4% |
| Persistency (25th month) | 73.7% |
| Persistency (37th month) | 65.3% |
| Persistency (49th month) | 60.7% |
| Persistency (61st month) | 55.4% |