Competitive intensity in non-par and annuity
Aggressive pricing by competitors in non-par and annuity segments could pressure margins and market share.
HDFCLIFE / Q1-FY26 / risks
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HDFC Life Insurance Company · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Slowdown in MFI segment impacting group protection
The MFI segment continued to decline, though compensated by non-MFI growth; further slowdown could weigh on group protection.
Lower 13th month persistency due to large ticket size shift
A 1% drop in 13th month persistency was attributed to a shift in premium size mix, which could persist if not managed.