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SBI Life Insurance Company (SBILIFE) investor relations material
SBI Life Insurance Company Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary24 Oct, 2025
Executive summary
Achieved highest new business premium in the private industry, with robust growth in both individual and group protection segments, and strong performance across key financial and operational metrics.
Launched new products (Smart Shield Plus and Smart Money Back Plus) with strong early customer uptake and digital adoption, with 99.6% of individual applications submitted digitally.
Embedded value and value of new business both showed double-digit growth, reflecting sustainable value creation.
Maintained a resilient business model, leveraging technological innovation, diverse distribution, and customer-centricity.
Passed on GST benefits to customers and enhanced returns in non-participating guaranteed products.
Financial highlights
New business premium reached ₹183.5 billion, up 17% year-over-year, with a private market share of 22.2%.
Gross written premium rose 19% year-over-year to ₹429.0 billion in H1 FY26.
Profit after tax for H1 FY26 was ₹10.89 billion, up 4% year-over-year.
Value of new business (VNB) at ₹27.5 billion, up 14%; VNB margin at 27.8%, a 98 bps increase.
Embedded value as of September 30, 2025, was ₹760 billion, up 15% year-over-year.
Outlook and guidance
Optimistic about H2 growth, expecting improved customer sentiment and continued margin resilience.
Margin guidance maintained at 26%-28% despite GST headwinds.
Individual APE growth guidance for FY2026 at 13%-14%.
Focus on digitalisation, customer engagement, and operational efficiency to drive future performance.
Embedded value methodology and assumptions independently reviewed and found compliant with Indian Embedded Value Principles.
How will H2 VNB margin absorb GST impact?
Protection growth impact on near-term earnings?
Detail September's distribution scheme tweaks.
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Next SBI Life Insurance Company earnings date
Q3 25/2616 Jan, 2026
Next SBI Life Insurance Company earnings date
Q3 25/2616 Jan, 2026
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Frequently asked questions
SBI Life Insurance Company Limited operates as a private life insurance company in India. Its individual life products include child plans, protection plans, saving and investment plans, annuity and retirement plans, and health plans; group business products comprise group insurance and employee benefit solutions for individuals. The company also provides pensions and superannuation products; and bancassurance solutions to its customers.
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