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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
SBI Life Insurance Company
SBI Life Insurance Company (SBILIFE) investor relations material
SBI Life Insurance Company Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary27 Oct, 2026
Executive summary
H1 FY27 gross written premium rose 13% to ₹484bn; PAT increased 17% to ₹12.7bn, or 39% excluding the GST impact.
Value of new business was ₹32.7bn at a 27.9% margin; embedded value reached ₹873.5bn at September 30, 2026.
Strategy focused on protection-led solutions, broader product mix, distribution expansion and technology-enabled efficiency.
Solvency was 1.97x and AUM was ₹5,271bn, up 9% YoY.
Financial highlights
H1 gross written premium was ₹484bn, up 13%; new business premium was ₹202.6bn, up 10%, and renewal premium was ₹281.5bn, up 15%.
Q2 net premium income was ₹2,687,770 lakh versus ₹2,484,831 lakh YoY; H1 net premium income was ₹4,695,591 lakh versus ₹4,202,681 lakh.
H1 PAT was ₹127,417 lakh versus ₹108,896 lakh; excluding the ₹5.3bn GST impact, PAT was ₹16.9bn, up 39%.
New business APE was ₹117.5bn, up 18% YoY; total sum assured was ₹11,927.9bn.
H1 investment income was ₹238.2bn versus ₹200.6bn; Q2 policyholders’ account net investment income was a loss of ₹261,383 lakh.
Outlook and guidance
FY2027 individual rated premium growth guidance remained 14%-15% despite subdued Q2 growth; management expected stronger Q3 growth and agency recovery.
VNB margin guidance remained 26%-28%; H1 margin was 27.9% and Q2 margin was 29.3%.
Deferred annuity launch was expected in Q3; management viewed it as potentially margin-accretive and supportive of non-par growth.
Management expected limited impact from proposed distribution rules and said it would adapt products, expenses and commissions to final guidelines.
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Latest events from SBI Life Insurance Company
- Premiums and profits rose double digits, with strong solvency and embedded value at ₹85,290 crore.SBILIFE
Q1 26/27 - Gross written premium up 19%, profit after tax up 2%, embedded value at ₹807.9 billion.SBILIFEQ4 25/26
- AUM surpassed INR 5.1 trillion, with robust growth in premiums, profit, and embedded value.SBILIFEQ3 25/26
- Premiums, profit, and embedded value rose double digits with strong digital and solvency metrics.SBILIFEQ2 25/26
- Premiums, profit, and embedded value surged in Q1 FY26, supported by digital and market growth.SBILIFEQ1 25/26
- Profit after tax up 38% YoY, strong solvency, digital growth, and embedded value at ₹66,070 crores.SBILIFEQ2 24/25
- Premium and profit up double digits, digital and segment growth, strong solvency maintained.SBILIFEQ1 24/25
- Profit, premium, and embedded value rose, with digital and traditional product growth leading.SBILIFEQ4 24/25
- Profit and premium surged, with robust solvency and digital adoption driving growth.SBILIFEQ3 24/25
Next SBI Life Insurance Company earnings date
Q3 26/2727 Jan, 2027
SBI Life Insurance Company
Next SBI Life Insurance Company earnings date
Q3 26/2727 Jan, 2027
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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.