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SBI Life Insurance Company
SBI Life Insurance Company (SBILIFE) investor relations material
SBI Life Insurance Company Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary28 Jan, 2026
Executive summary
Achieved assets under management of INR 5.1 trillion, up 16% year-over-year, with robust growth across key financial and operational metrics and consistent returns.
Outperformed industry on individual rated premium and total rated premium, reinforcing market leadership in private life insurance.
New business premium reached INR 313.3 billion, up 19% year-over-year, with a private market share of 23.5%.
Profit after tax grew 4% to INR 16.7 billion for 9M FY26.
Leveraged a diversified distribution network, technological innovation, and customer-centric initiatives to drive performance.
Financial highlights
Gross written premium rose 20% year-over-year to INR 733.5 billion.
Value of new business increased 17% to INR 50.4 billion, with a margin of 27.2%.
Embedded value as of December 31, 2025, stood at INR 801.3 billion, up 18% year-over-year.
Renewal premium grew 21% to INR 420.2 billion, accounting for 57% of gross written premium.
Total assets as of December 31, 2025, reached INR 5.1 trillion.
Outlook and guidance
Maintains full-year APE growth guidance of 13%-14%.
VONB margin guidance remains at 27%-28% for the coming quarter.
Expects product mix and operational leverage to offset most GST impact, with only 30-40 basis points margin reduction anticipated by year-end.
Positioned for steady growth, supported by strong brand, governance, and a focus on sustainable value accretion.
Industry tailwinds such as demographic shifts, rising insurance penetration, and increasing annuity demand expected to drive future growth.
Labour Code impact on future employee liabilities?
Drivers of 9-month VNB of INR 50.4 billion?
Next steps for SILIC business transfer?
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Next SBI Life Insurance Company earnings date
Q4 25/2624 Apr, 2026
SBI Life Insurance Company
Next SBI Life Insurance Company earnings date
Q4 25/2624 Apr, 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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