HDFC Life Insurance Company Limited (HDFCLIFE) — Financial Flexibility Index

Latest as of September 2025: 0.02x

HDFC Life Insurance Company Limited (HDFCLIFE) has a Financial Flexibility Index of 0.02x as of September 2025. Free cash flow of Rs74.95 Billion (operating CF Rs73.71 Billion minus capex Rs1.24 Billion) represents 0% of total liabilities (Rs3.54 Trillion). Check HDFCLIFE capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.

Financial Flexibility Index

0.02x
Free Cash Flow / Total Liabilities

Free Cash Flow

Rs74.95 Billion
Operating CF − Capex

Total Liabilities

Rs3.54 Trillion
INR

Capital Expenditures

Rs1.24 Billion
INR

HDFC Life Insurance Company Limited Financial Flexibility Index (2013–2026)

Historical Financial Flexibility Index trend for HDFC Life Insurance Company Limited across 14 annual periods. For the full cash flow conversion analysis, see HDFC Life Insurance Company Limited operating cash flow efficiency.

Annual Financial Flexibility Index for HDFC Life Insurance Company Limited (2013–2026)

Year-by-year free cash flow to debt coverage for HDFC Life Insurance Company Limited. Explore HDFC Life Insurance Company Limited cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.

Year Flexibility Index Free Cash Flow (INR) Operating CF Total Liabilities YoY Change
2026 0.10x Rs368.90 Billion Rs366.03 Billion Rs3.73 Trillion ▲ +107.5%
2025 0.05x Rs158.98 Billion Rs155.97 Billion Rs3.33 Trillion ▲ +26.6%
2024 0.04x Rs108.57 Billion Rs107.21 Billion Rs2.88 Trillion ▲ +27.0%
2023 0.03x Rs69.71 Billion Rs68.83 Billion Rs2.35 Trillion ▲ +6.4%
2022 0.03x Rs59.99 Billion Rs59.43 Billion Rs2.15 Trillion ▼ -51.2%
2021 0.06x Rs97.64 Billion Rs97.03 Billion Rs1.71 Trillion ▼ -3.6%
2020 0.06x Rs74.26 Billion Rs73.88 Billion Rs1.25 Trillion ▼ -25.7%
2019 0.08x Rs99.13 Billion Rs98.68 Billion Rs1.24 Trillion ▲ +24.4%
2018 0.06x Rs67.73 Billion Rs67.39 Billion Rs1.06 Trillion ▼ -6.9%
2017 0.07x Rs62.78 Billion Rs62.30 Billion Rs912.70 Billion ▼ -11.7%
2016 0.08x Rs57.22 Billion Rs56.87 Billion Rs734.41 Billion ▲ +13.9%
2015 0.07x Rs45.68 Billion Rs44.59 Billion Rs667.67 Billion ▼ -37.5%
2014 0.11x Rs54.63 Billion Rs54.22 Billion Rs498.77 Billion ▲ +767.4%
2013 0.01x Rs5.13 Billion Rs4.47 Billion Rs406.59 Billion —
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities