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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 (AUM) of ₹5,117 billion, up 16% year-over-year, reflecting strong customer confidence and disciplined execution.
Gross premium income for the nine months ended December 31, 2025, rose to ₹72,27,213 lakh, with robust growth in first year, renewal, and single premiums.
Outperformed industry on individual rated premium (IRP) and total rated premium, reinforcing market leadership in private life insurance.
Leveraged a diversified distribution network, technological innovation, and customer-centric initiatives to drive performance.
Profit after tax grew 4% to ₹16.7 billion for 9M FY26.
Financial highlights
Gross written premium rose 20% year-over-year to ₹733.5 billion.
Value of new business (VONB) increased 17% to ₹50.4 billion, with a margin of 27.2%.
Embedded value as of December 31, 2025, stood at ₹801.3 billion, up 18% year-over-year.
Renewal premium grew 21% to ₹420.2 billion, accounting for 57% of gross written premium.
Net premium income for Q3 FY25 was ₹30,24,532 lakh, up from ₹24,82,754 lakh in Q3 FY24.
Outlook and guidance
Maintains full-year APE growth guidance of 13%-14%.
VONB margin guidance remains at 27%-28% for the coming quarter.
Expects GST impact on margins to be largely offset by product mix, with net impact of 30-40 basis points by year-end.
Positioned for steady growth, supported by strong brand, governance, and a focus on sustainable value accretion.
The company continues to monitor regulatory changes, including new Labour Codes and the transfer of Sahara India Life Insurance business.
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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