Last close ₹124.75down ₹1.02 (0.81%)BSE ₹124.40
Share price at the NSE close on 23 Oct 2026. Previous close ₹125.77.
52-week range of traded prices to 23 Oct 2026
₹107.10Low, 23 Oct 2025₹166.69High, 21 Jul 2026
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies.
- ₹11,851 Cr465th largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. The filing of 9 Oct 2026
- 88.7
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. The filing of 9 Oct 2026
- 7.2
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- 0.32%
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it. The filing of 9 Oct 2026
- 8.4%
- SolvencySolvency ratio. The capital the insurer holds ÷ the capital the regulator requires it to hold, as the insurer states it; insurers write it in different ways, so it is read as the one multiple between 1 and 5 it can be, and not given outside that. At the end of Sep 2026.
- 1.80times the capital required
- Gross premiumGross premium. Premium on the policies sold and renewed in the period, before the part passed on to reinsurers: a general insurer's gross premiums written, a life insurer's gross premium income. For the year to Mar 2026.
- ₹10,046 Cr
- First-year premiumFirst-year premium. Premium from the first year of new regular-premium policies, for the period. For the year to Mar 2026.
- ₹2,585 Cr
- Expense ratioExpense ratio. The costs of running the insurance business, commission included, as a percentage of premium, as the insurer states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the filing's own amounts show it written on another scale or rounded to the whole per cent. For the year to Mar 2026.
- 18.68%
- Persistency, 13 monthsPersistency, 13 months. The share of what was sold that is still being paid for 13 months after the sale, by premium or by number of policies, which the filing does not say, as the life insurer states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the figure is outside what it can be. For the year to Mar 2026.
- 86.35%
- ConservationConservation ratio. This year's renewal premium as a percentage of last year's first-year and renewal premium, as the life insurer states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where it is 0, or where it is outside 10% to 150%. For the year to Mar 2026.
- 86.57%
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day.
- 4,44,64045.2% delivered
Canara HSBC Life Insurance Company business segments, year to Mar 2026
A reportable segment is a line of business the company must report on its own. Standalone, ₹ crore, as the company reports them. A segment at a deficit has no share of surplus.Canara HSBC Life Insurance Company segment results by quarter
Net premium by segment
₹9,841 CrTotal
- Linked Non Participating - Life₹3,863 Cr39.3% of total
- Non Linked Non Participating - Life₹3,809 Cr38.7% of total
- Non Linked Participating - Life₹1,218 Cr12.4% of total
- Non Linked Non Participating - Pension₹904 Cr9.2% of total
- Linked Non Participating - Pension₹46 Cr0.5% of total
- Non Linked Non Participating - Health₹2 Cr0.0% of total
Surplus by segment
- Non Linked Non Participating - Life₹70.3 Cr80.3% of total
- Non Linked Participating - Life₹16.4 Cr18.7% of total
- Non Linked Non Participating - Pension₹0.6 Cr0.7% of total
- Non Linked Non Participating - Health₹0.3 Cr0.4% of total
Segment results by year
Standalone, ₹ crore, years to March.
Linked Non Participating - Life
Net premium, ₹ croreSurplus, ₹ croreNon Linked Non Participating - Life
Net premium, ₹ croreSurplus, ₹ croreNon Linked Participating - Life
Net premium, ₹ croreSurplus, ₹ croreNon Linked Non Participating - Pension
Net premium, ₹ croreSurplus, ₹ croreLinked Non Participating - Pension
Net premium, ₹ croreSurplus, ₹ croreNon Linked Non Participating - Health
Net premium, ₹ croreSurplus, ₹ croreLinked Non Participating - Health
Net premium, ₹ croreSurplus, ₹ croreLinked Non Participating - Others
Net premium, ₹ croreSurplus, ₹ croreNon Linked Non Participating - Others
Net premium, ₹ croreSurplus, ₹ croreNon Linked Participating - Health
Net premium, ₹ croreSurplus, ₹ croreNon Linked Participating - Others
Net premium, ₹ croreSurplus, ₹ croreNon Linked Participating - Pension
Net premium, ₹ croreSurplus, ₹ crore
| ₹ crore | Mar 2026 |
|---|---|
| Net premium of all lines | 9,841 |
| Company net premium, as in its resultsCompany net premium. The insurer's net premium for the period in its results, on the same accounts as its lines. | 9,841 |
| Net premium | 3,863 |
| SurplusSurplus or deficit of the line. What the line of business has left after its benefits, reserves and expenses for the period, as the insurer reports it for each line. | −43 |
| Surplus to net premiumSurplus to net premium. The line's surplus as a percentage of its net premium. | −1.1% |
| AssetsAssets of the line. What the insurer holds for this line at the period end, mostly the policyholders' investments. | 17,620 |
| LiabilitiesLiabilities of the line. What the insurer owes on this line at the period end, mostly what it holds for its policyholders. | 17,620 |
| Net premium | 3,809 |
| Net premium | 1,218 |
| Net premium | 904 |
| Net premium | 46 |
| Net premium | 2 |
| 0 | |
| 0 | |
| 0 | |
| 0 | |
| 0 | |
| 0 | |
| 0 | |
| 0 |
Net premium is the premium the insurer keeps after reinsurance; surplus is what each line has left after its benefits, reserves and expenses.
Income
Standalone, laid out as a life insurer files them. No figures on this form for the years to Mar 2017, Mar 2018, Mar 2019, Mar 2020, Mar 2021, Mar 2022, Mar 2023, Mar 2024 and Mar 2025. ₹ crore, years to March.Canara HSBC Life Insurance Company annual reports
| ₹ crore | Mar 2026Filed 29 Jul |
|---|---|
| Total incomeTotal income. Everything earned in the period, the total the statement states: for a bank, its interest earned and other income, with any other income line its statement totals; for a finance company, revenue from operations + other income; for a general insurer, premium earned + income from the policyholders' investments + other income; for a life insurer, premiums + the income and gains on the policyholders' investments. | 11,515 |
| The lines under it are parts of it, not all of it. | 1,254 |
| Employee costsEmployee costs. Salaries, wages and other staff benefits for the period; for a bank, given only where staff costs and other operating expenses add to the operating expenses stated. | 758 |
| Profit before tax | 141 |
| Tax | 14 |
| Net profit | 127 |
| Earnings per shareEarnings per share. The earnings per share stated for the period ÷ the split factor, so a figure from before a split sits on the same share as today's; a figure the company filed after a split or bonus is already on the new share count and is divided by the splits after its filing day only. | ₹1.33 |
Balance sheet
₹ crore, at 31 March.
| ₹ crore | Mar 2026Filed 29 Jul |
|---|---|
| Total assetsTotal assets. Everything the company owns, at the period end; for an insurer, whose balance sheet shows its assets net of what it owes in the short term, that net figure + its current liabilities and provisions − any debit balance in its profit and loss account and expenditure not yet written off, and not given where only the net figure is stated. | 48,057 |
| 46,118 | |
| Of policyholdersInvestments of policyholders. Investments made with the money held for policyholders, at the period end; given only where the investments of each fund add to the total investments stated. | 26,450 |
| Of shareholdersInvestments of shareholders. Investments made with the shareholders' own money, at the period end; given only where the investments of each fund add to the total investments stated. | 1,901 |
| For unit-linked policiesInvestments for unit-linked policies. Investments the life insurer holds for unit-linked policies, whose value follows the funds they are invested in, at the period end; given only where the investments of each fund add to the total investments stated. | 17,767 |
| Fixed assetsFixed assets. Buildings, equipment and other assets the company uses, at cost less depreciation, at the period end; for a bank, given only where cash, balances with banks, loans, investments, fixed assets and other assets add to the total assets stated. | 37 |
| BorrowingsBorrowings. Money borrowed, at the period end, deposits left out: for a bank and an insurer, its borrowings as stated; for a finance company, bonds and debentures + loans taken + subordinated debt. | 250 |
| Current liabilities and provisionsCurrent liabilities and provisions. What the insurer owes in the short term, claims outstanding and premiums received in advance among it, at the period end; a 0 is not given, since the statement writes 0 for a figure it leaves out too. | 1,232 |
| Owed to policyholdersOwed to policyholders. What the life insurer must hold to meet future claims on its traditional policies, at the period end; a 0 is not given, since the statement writes 0 for a figure it leaves out too. | 26,614 |
| Owed on unit-linked policiesOwed on unit-linked policies. The value of the funds held for unit-linked policyholders, at the period end; a 0 is not given, since the statement writes 0 for a figure it leaves out too. | 17,767 |
| Kept for future allocationKept for future allocation. Surplus the life insurer has held over the years and not yet given to policyholders or shareholders, at the period end; a 0 is not given, since the statement writes 0 for a figure it leaves out too. | 720 |
| Net worth. Net worth at the period end, the whole group's on group accounts: for a bank, share capital + reserves and surplus; for a finance company, total equity as stated; for a general insurer, share capital + reserves; for a life insurer, shareholders' funds as stated, or share capital + reserves + the fair value change account where they are not. An insurer's is less any debit balance in its profit and loss account and expenditure not yet written off. Not given where the balance sheet states the share capital, the reserves or the net worth as 0. | 1,605 |
| Contingent liabilitiesContingent liabilities. What may become owed, such as guarantees given and claims disputed, and is not on the balance sheet, at the period end; a 0 is not given, since the statement writes 0 for a figure it leaves out too. | 343 |
Capital
Solvency is the capital the insurer holds, in times the capital the regulator requires; the government's holding is a per cent of its shares; bad investments are in ₹ crore.
| Figure | Mar 2026Filed 29 Jul |
|---|---|
| Solvency, times the required capitalSolvency ratio. The capital the insurer holds ÷ the capital the regulator requires it to hold, as the insurer states it; insurers write it in different ways, so it is read as the one multiple between 1 and 5 it can be, and not given outside that. | 1.90 |
| Held by the governmentGovernment holding. The share of the company the government holds, as the company states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, or where it is 0 and the shareholding pattern for the same date does not confirm the government holds none. | 0.00% |
| Bad investments, policyholders' fundBad investments in the policyholders' fund. Bonds and loans held for policyholders whose interest or repayment has stopped, at the amount still owed; for a life insurer, its four policyholders' funds added; a 0 is not given, since the statement writes 0 for a figure it leaves out too. | 32.4 |
| Bad investments, shareholders' fundBad investments in the shareholders' fund. Bonds and loans held with the life insurer's shareholders' money whose interest or repayment has stopped, at the amount still owed; a 0 is not given, since the statement writes 0 for a figure it leaves out too. | 86.1 |
Ratios
Per cent. The expense ratio is a share of premiums. Persistency is the share of policies still paid the stated number of months after they were sold.
| Per cent | Mar 2026Filed 29 Jul |
|---|---|
| Expense ratioExpense ratio. The costs of running the insurance business as a percentage of premiums, as the insurer files it, or worked out from its filed amounts where the filed percentage cannot be read on its filing's scale. | 18.68% |
| Conservation ratioConservation ratio. This year's renewal premium as a percentage of last year's first-year and renewal premium, as the life insurer states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where it is 0, or where it is outside 10% to 150%. | 86.57% |
| Policies still paid at 13 monthsPersistency, 13 months. The share of what was sold that is still being paid for 13 months after the sale, by premium or by number of policies, which the filing does not say, as the life insurer states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the figure is outside what it can be. | 86.35% |
| At 25 months | 73.65% |
| At 37 months | 65.33% |
| At 49 months | 60.72% |
| At 61 months | 55.37% |
Cash flow
Standalone, ₹ crore, years to March. The last column is the half year to Sep 2026, after the latest full year: the cash flow over its six months.
| ₹ crore | Mar 2026Filed 29 Jul | Sep 2026Half yearFiled 9 Oct |
|---|---|---|
| Cash from operationsCash from operations. Cash the business brought in from its operations in the period, after paying suppliers, staff and tax. | 3,534 | 1,666 |
| Capital spendingCapital spending. Cash spent in the period on plant, equipment, buildings and other long-lived assets. | 10 | 7 |
| Free cash flowFree cash flow. Cash from operations less capital spending: what is left to repay borrowings, pay dividends or keep. | 3,523 | 1,659 |
| Cash from investingCash from investing. Cash spent on, below nought, or received from plant, investments, businesses bought or sold, and interest and dividends received. | −3,666 | −1,745 |
| Cash from financingCash from financing. Cash raised from, or paid to, lenders and shareholders: borrowings taken and repaid, interest, lease payments, dividends and shares issued or bought back. | 212 | −38 |
| Dividends paidDividends paid. Cash paid to shareholders as dividends during the period. | 38 | 38 |
| Shares bought backShares bought back. Cash spent buying the company's own shares back from shareholders. | 0 | 0 |
| Shares issuedShares issued. Cash raised by selling new shares. | 0 | 0 |
| Net change in cashNet change in cash. Cash from operations, investing and financing added together: how much cash and cash equivalents rose or fell over the year, before currency effects. | 80 | −117 |
Capital spending is part of cash from investing, and dividends paid, shares bought back and shares issued are part of cash from financing. Each is shown as an amount on a line of its own, and the section's other items are in its total only.
Where the cash came from and went
Standalone: the listed company alone, without its subsidiaries. ₹ crore, added up over each window, which ends with the year to Mar 2026.
| ₹ crore | Latest year |
|---|---|
| Cash from operationsCash from operations. Latest year: Cash from operating activities in the latest year. 3 years: Cash from operating activities added over the last three years, needing every one of them. 5 years: Cash from operating activities added over the last five years, needing every one of them. | 3,534 |
| Cash from investingCash from investing. Latest year: Cash from investing activities in the latest year. 3 years: Cash from investing activities added over the last three years, needing every one of them. 5 years: Cash from investing activities added over the last five years, needing every one of them. | −3,666 |
| Cash from financingCash from financing. Latest year: Cash from financing activities in the latest year. 3 years: Cash from financing activities added over the last three years, needing every one of them. 5 years: Cash from financing activities added over the last five years, needing every one of them. | 212 |
| Capital spendingCapital spending. Latest year: Spending on property, plant and equipment in the latest year. 3 years: Spending on property, plant and equipment added over the last three years, needing every one of them. 5 years: Spending on property, plant and equipment added over the last five years, needing every one of them. | 10 |
| Dividends paidDividends paid. Latest year: Dividends paid in the latest year. 3 years: Dividends paid added over the last three years, needing every one of them. 5 years: Dividends paid added over the last five years, needing every one of them. | 38 |
| Shares bought backShares bought back. Latest year: Shares bought back in the latest year. 3 years: Shares bought back added over the last three years, needing every one of them. 5 years: Shares bought back added over the last five years, needing every one of them. | 0 |
| Shares issued for cashShares issued for cash. Latest year: Shares issued for cash in the latest year. 3 years: Shares issued for cash added over the last three years, needing every one of them. 5 years: Shares issued for cash added over the last five years, needing every one of them. | 0 |
Credit ratings
An agency's view of the chance the company repays a borrowing on time, from AAA, the highest, down to D, in default.
| Date | Agency | Borrowing rated | Rating | Outlook | Amount, ₹ Cr |
|---|---|---|---|---|---|
| 24 Feb 2026 | CARE Ratings Limited (opens in a new tab) | Issuer Rating | CARE AAAReview, Re-affirm | Stable | |
| 24 Feb 2026 | CARE Ratings Limited (opens in a new tab) | Debt-Subordinate Debt | CARE AA+New, New | Stable | 250 |
| 19 Feb 2026 | CRISIL Ratings Limited (opens in a new tab) | Subordinated Debt | Crisil AA+New, New | Stable | 250 |
The latest rating on each borrowing. The agency's name opens its reasoning for the rating.