HDFC Ergo General Insurance Company Limited (HDFC Ergo) Return Comparision with Primex 40 Index

Periods	1 Week	1 Month	3 Months	6 Months	1 Year	3 Years	All Time
Primex-40
HDFC Ergo General Insurance Company Limited

HDFC ERGO General Insurance Company Limited Standalone Balance Sheet (Rs in Lakhs)

Particulars	31-03-2025	31-03-2024
Sources Of Funds
Share capital	72,583	71,497
Reserves and surplus	4,43,686	3,43,735
Fair value change account:
Shareholders	785	5,610
Policyholders	3,103	23,962
Borrowings	1,40,000	1,07,500
Total	6,60,157	5,52,304
Application Of Funds
Investments - shareholders	5,52,219	4,88,732
Investments - policyholders	21,85,124	20,87,455
Fixed assets	52,545	45,153
Deferred Tax Asset (Net)	2,769	4,098
Current Assets
Cash and Bank Balances	18,018	28,860
Advances and Other Assets	3,24,710	2,52,893
Current liabilities	20,33,232	17,26,659
Provisions	4,41,996	6,28,228
Net current assets	-21,32,500	-20,73,134
Total	6,60,157	5,52,304

HDFC ERGO General Insurance Company Limited Standalone Profit & Loss Statement (Rs in Lakhs)

Particulars	31-03-2025	31-03-2024
Operating profit / (loss)
Fire insurance	17,191	10,079
Marine insurance	740	-13
Miscellaneous insurance	14,241	18,397
Income from investments
Interest, dividend & rent - gross	36,904	30,359
Profit on sale of investments	6,549	9,180
Loss on sale/ redemption of investments	-267	-76
Amortization of Premium / Discount on Investment	-891	-975
Total	74,467	66,951
Provisions (Other Than Taxation)
For diminution in the value of investments	-4,721	-1,169
For doubtful debts	1,348	213
Other Expenses
Bad debts written of	28	84
Interest on Subordinated Debt	8,420	7,437
Expenses towards CSR activities	1,374	1,529
Contribution to Policyholders ' A/c -
Towards Remuneration of MD/CEO/WTD/Other KMPs	417	829
Others :
Remuneration to directors and others	271	141
Debenture issuance expenses	91	50
Bad & Doubtful Investments written of	846	-
Total	8,074	9,116
Profit/(loss) before tax	66,393	57,835
Current Tax	15,047	12,935
Deferred Tax	1,329	1,133
Profit/(Loss) After Tax	50,017	43,767
Appropriations
Interim Dividends paid during the year	14,517	25,015
Balance of Profit/(Loss) brought forward from previous year	1,63,758	1,45,006
Balance carried forward to Balance sheet	1,99,258	1,63,758
Earnings per share
Basic	6.94	6.12
Diluted	6.93	6.11

HDFC ERGO General Insurance Company Limited Standalone Cash Flow Statement (Rs in Lakhs)

Particulars	31-03-2025	31-03-2024
Cash flow from operating activites
Premium received from policyholders, including advance receipts	19,43,677	2146096
Other receipts/(payments)
Payments to re-insurers, net of commission and claims	-3,01,060	-364017
Receipts from co-insurers, net of claims recovery	-1,670	-6429
Payments of claims	-11,47,221	-1067763
Payments of commission and brokerage	-2,91,445	-270860
Payments of other operating expenses	-1,84,190	-177306
Deposits, advances and staff loans	-6,500	-2564
Income taxes paid (Net)	-16,645	-20744
GST paid	-85,569	-90777
Net Cash Flow from Operating Activates	-90,623	1,45,635
Cash flow from investing activities
Purchase of fixed assets	-19,471	-17,493
Proceeds from sale of fixed assets	284	224
Purchase of investments	-14,38,052	-13,95,453
Sale of investments	11,83,821	11,49,655
Rent / Interest / Dividend received	1,81,567	1,50,072
Investments in money market instruments and liquid mutual funds (Net)	96,514	-33,004
Net Cash flow from /(Used in) Investing Activities	4,663	-1,46,000
Cash flow from Financing Activities
Proceeds from issuance of share capital /Application money (Including share premium)	65,537	4,854
Repayments of borrowing	-	7,400
Proceeds from issuance of borrowing	32,500	32,000
Interest/Dividends Paid	-8,386	-6,777
Dividend paid (Including dividend distribution tax)	-14,517	-25,015
Net Cash (Used in)/ Flow from Financing Activities	75,134	-2,338
Effect of foreign exchange rates on cash and cash equivalents (Net)	-16	-11
Net increase /(decrease) in cash and cash equivalents	-10,842	-2,713
Cash & cash equivalents at the beginning of the year	28,712	31,425
Cash & cash equivalents at the end of the year	17,870	28,712

Here is a summary of the Cash Flow Statement for the years 2025 and 2024:

Operating Activities:

In FY 2025, the company reported a net outflow of ₹90,623 lakhs from operations, a sharp decline from the inflow of ₹1,45,635 lakhs in FY 2024. While premium collections remained strong, higher claim payments, commissions, and GST outflows led to negative cash flow. This indicates rising costs or increased claim ratios affecting operational efficiency.

Investing Activities:

Investing activities saw a small inflow of ₹4,663 lakhs in FY 2025, compared to a large outflow of ₹1,46,000 lakhs in FY 2024. This improvement was driven by net gains from mutual funds and higher investment income, despite continued large investments in securities and fixed assets.

Financing Activities:

Financing activities yielded a net inflow of ₹75,134 lakhs in FY 2025, reversing the outflow of ₹2,338 lakhs in FY 2024. The inflow came from fresh equity and borrowings, offsetting dividend and interest payments. This likely helped the company manage liquidity amidst declining operational cash flows.

Net Cash Flow and Cash Position:

Overall, the company saw a net cash outflow of ₹10,842 lakhs in FY 2025, increasing from ₹2,713 lakhs in FY 2024. Consequently, cash and equivalents declined to ₹17,870 lakhs. The drop reflects weaker operating performance, though partially cushioned by financing support.

HDFC Ergo Annual Reports, Balance Sheet and Financials