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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 robust growth in H1 FY26, with the highest new business premium in the private industry and strong performance across key financial and operational metrics.
Maintained a resilient business model, leveraging technological innovation, diverse distribution, and customer-centricity.
Launched new products (Smart Shield Plus and Smart Money Back Plus) with strong early customer uptake.
Audited financial results for the quarter and half year ended September 30, 2025, were approved by the Board and received unmodified audit opinions from joint statutory auditors.
Embedded value and value of new business both showed double-digit growth, reflecting sustainable value creation and were independently reviewed and validated.
Financial highlights
Gross premium income for H1 FY26 was ₹42,02,681 lakhs, up from ₹35,37,158 lakhs year-over-year.
New business premium reached ₹183.5 billion, up 17% year-over-year, with a private market share of 22.2%.
Profit after tax for H1 FY26 was ₹1,08,896 lakhs, up 4% year-over-year.
Value of new business (VNB) at ₹27.5 billion, up 14% year-over-year, with a VNB margin of 27.8%.
Embedded value as of September 30, 2025, was ₹760.0 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.
Focus on digitalisation, customer engagement, and operational efficiency to drive future performance.
Individual APE growth guidance for FY2026 at 13%-14%.
Embedded value and new business value have been independently validated, supporting future growth prospects.
Explain negative yield on policyholder funds
Update on SILIC business transfer status
Address solvency and expense ratio trends
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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