Calculator: 10-Year Returns on ₹100,000.00 in HDFC Life Insurance Company Ltd Stock
Company Profile
HDFC Life Insurance Company Ltd (HDFCLIFE)
8.73
Financial Services
Insurance
NSE
https://www.hdfclife.com/
84.71
1.702T (Large-Cap)
Investment Scenario
Let’s go back to 2017. Imagine an investor who invested ₹100,000.00 in HDFC Life Insurance Company Ltd (HDFCLIFE) company stock and held it steadily for 8 years . Instead of chasing short-term gains, the investor chose a long-term approach—holding the shares and reinvesting all dividends at the end of each year to purchase additional HDFCLIFE stock. This strategy, known as dividend reinvestment, allowed the investment to compound over time, not just through stock price appreciation but also through growing dividend payouts.
At the end of 2025, the ₹100,000.00 investment in NSE:HDFCLIFE would be worth approximately ₹202,335.00 due to stock splits and dividends that have been reinvested, which demonstrates a total Gain of ₹102335.00 and a return on investment (ROI) of 102.33%, as well as an annualized compounded growth rate (CAGR) of around 9.21%. This illustrates the advantages of long-term investing, adhered to a disciplined reinvestment plan, and also illustrates how an initially small investment into a strong, fundamentally sound company (and move good company like HDFC Life Insurance Company Ltd (HDFCLIFE)) can create considerable wealth over the long run.
₹102335.00
102.33%
9.21%
What made the real difference was dividends being reinvested and not selling the stock during stock splits. Every dividend was used to purchase additional shares. When Company HDFC Life Insurance Company Ltd (HDFCLIFE) stock split, the investor received additional shares without spending a single additional penny. The magic of compounding work - slowly at first and began to compound impressively.
HDFC Life Insurance Company Ltd (HDFCLIFE) Investment Summary (2017 – 2025)
| Investment Duration | 8 years |
| Initial Investment in 2017 | ₹100,000.00 |
| Share Price in 2017 | ₹310.00 |
| Total Shares Purchased | 322 |
By 2025, the share price increased to ₹615.00. This resulted in a significant appreciation in the value of the investment.
| Share Price in 2025 | ₹615.00 |
| Value of 329 Shares in 2025 | ₹202,335.00 [202.3K (~ 2.0 Lakh)] |
| Final Investment Value (2025) | ₹202,335.00 |
| Total Gain | ₹102,335.00 |
| Return on Investment (ROI) | 102.33% |
This performance reflects a Compound Annual Growth Rate (CAGR) of approximately 9.21% — a strong return over the period.
Yearly Breakdown
2017
| Shares | 322 |
| Current Year Dividend | ₹437.92 |
| Carried Over Dividend | ₹0.00 |
| Total Dividend Available | ₹437.92 |
| Shares After Stock Split | No split |
| Bought New Shares | 1 |
| Remaining Dividend after buying new shares | ₹127.92 |
| Final Shares | 322 (Shares) + 1 (Bought New Shares) = 323 |
| Share Price | ₹310.00 |
| Final Investment Value | ₹100,130.00 [ ~100K (~ 1.0Lakh) ] |
Dividend: ₹1.36 per share on Dec 15, 2017
2018
| Shares | 323 |
| Current Year Dividend | ₹0.00 |
| Carried Over Dividend | ₹127.92 |
| Total Dividend Available | No Dividend |
| Shares After Stock Split | No split |
| Bought New Shares | 0 |
| Remaining Dividend after buying new shares | ₹127.92 |
| Final Shares | 323 (Shares) + 0 (Bought New Shares) = 323 |
| Share Price | ₹388.50 |
| Final Investment Value | ₹125,485.50 [ ~125K (~ 1.3Lakh) ] |
2019
| Shares | 323 |
| Current Year Dividend | ₹526.49 |
| Carried Over Dividend | ₹127.92 |
| Total Dividend Available | ₹654.41 |
| Shares After Stock Split | No split |
| Bought New Shares | 1 |
| Remaining Dividend after buying new shares | ₹266.61 |
| Final Shares | 323 (Shares) + 1 (Bought New Shares) = 324 |
| Share Price | ₹387.80 |
| Final Investment Value | ₹125,647.20 [ ~126K (~ 1.3Lakh) ] |
Dividend: ₹1.63 per share on Mar 14, 2019
2020
| Shares | 324 |
| Current Year Dividend | ₹0.00 |
| Carried Over Dividend | ₹266.61 |
| Total Dividend Available | No Dividend |
| Shares After Stock Split | No split |
| Bought New Shares | 0 |
| Remaining Dividend after buying new shares | ₹266.61 |
| Final Shares | 324 (Shares) + 0 (Bought New Shares) = 324 |
| Share Price | ₹623.00 |
| Final Investment Value | ₹201,852.00 [ ~202K (~ 2.0Lakh) ] |
2021
| Shares | 324 |
| Current Year Dividend | ₹654.48 |
| Carried Over Dividend | ₹266.61 |
| Total Dividend Available | ₹921.09 |
| Shares After Stock Split | No split |
| Bought New Shares | 1 |
| Remaining Dividend after buying new shares | ₹244.59 |
| Final Shares | 324 (Shares) + 1 (Bought New Shares) = 325 |
| Share Price | ₹676.50 |
| Final Investment Value | ₹219,862.50 [ ~220K (~ 2.2Lakh) ] |
Dividend: ₹2.02 per share on Jun 30, 2021
2022
| Shares | 325 |
| Current Year Dividend | ₹552.50 |
| Carried Over Dividend | ₹244.59 |
| Total Dividend Available | ₹797.09 |
| Shares After Stock Split | No split |
| Bought New Shares | 1 |
| Remaining Dividend after buying new shares | ₹143.09 |
| Final Shares | 325 (Shares) + 1 (Bought New Shares) = 326 |
| Share Price | ₹654.00 |
| Final Investment Value | ₹213,204.00 [ ~213K (~ 2.1Lakh) ] |
Dividend: ₹1.70 per share on May 31, 2022
2023
| Shares | 326 |
| Current Year Dividend | ₹619.40 |
| Carried Over Dividend | ₹143.09 |
| Total Dividend Available | ₹762.49 |
| Shares After Stock Split | No split |
| Bought New Shares | 1 |
| Remaining Dividend after buying new shares | ₹197.49 |
| Final Shares | 326 (Shares) + 1 (Bought New Shares) = 327 |
| Share Price | ₹565.00 |
| Final Investment Value | ₹184,755.00 [ ~185K (~ 1.8Lakh) ] |
Dividend: ₹1.90 per share on Jun 16, 2023
2024
| Shares | 327 |
| Current Year Dividend | ₹654.00 |
| Carried Over Dividend | ₹197.49 |
| Total Dividend Available | ₹851.49 |
| Shares After Stock Split | No split |
| Bought New Shares | 1 |
| Remaining Dividend after buying new shares | ₹204.49 |
| Final Shares | 327 (Shares) + 1 (Bought New Shares) = 328 |
| Share Price | ₹647.00 |
| Final Investment Value | ₹212,216.00 [ ~212K (~ 2.1Lakh) ] |
Dividend: ₹2.00 per share on Jun 21, 2024
2025
| Shares | 328 |
| Current Year Dividend | ₹688.80 |
| Carried Over Dividend | ₹204.49 |
| Total Dividend Available | ₹893.29 |
| Shares After Stock Split | No split |
| Bought New Shares | 1 |
| Remaining Dividend after buying new shares | ₹278.29 |
| Final Shares | 328 (Shares) + 1 (Bought New Shares) = 329 |
| Share Price | ₹615.00 |
| Final Investment Value | ₹202,335.00 [ ~202K (~ 2.0Lakh) ] |
Dividend: ₹2.10 per share on Jun 20, 2025
Insights from the Market
HDFCLIFE is down -4.9% since the beginning of the year, trading between a 52-week low of 584.30 and a high of 820.75 per share. Investors who bought ₹100,000.00 worth of HDFCLIFE’s shares 8 years ago would now be looking at an investment worth ₹248,395.00.