| Annual Financials | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
Revenue  | 23,473 | 19,445 | 30,686 | 34,224 | 44,780 | 44,326 | 82,780 | 84,016 | 82,394 | 1,33,665 | 1,18,245 | 1,05,400 |
| Expenses | 22,537 | 18,419 | 29,532 | 32,802 | 43,139 | 42,536 | 81,140 | 82,329 | 80,420 | 1,31,512 | 1,15,469 | 1,02,718 |
| EBITDA | 936 | 1,026 | 1,154 | 1,422 | 1,642 | 1,790 | 1,640 | 1,687 | 1,974 | 2,153 | 2,776 | 2,682 |
| Operating Profit % | 3 % | 4 % | 2 % | 3 % | 3 % | 3 % | 1 % | 1 % | 1 % | 1 % | 1 % | -22 % |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 68 | 76 | 84 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 835 | 874 | 975 | 1,185 | 1,373 | 1,414 | 1,543 | 1,561 | 1,758 | 1,942 | 2,495 | 2,682 |
| Tax | 14 | 13 | 20 | 34 | 46 | -9 | 87 | 55 | 38 | 48 | 81 | 229 |
| Net Profit | 820 | 861 | 955 | 1,150 | 1,327 | 1,422 | 1,456 | 1,506 | 1,721 | 1,894 | 2,413 | 2,453 |
| EPS in ₹ | 8.20 | 8.61 | 9.55 | 11.50 | 13.27 | 14.22 | 14.56 | 15.06 | 17.19 | 18.92 | 24.09 | 24.50 |
SBI Life Insurance
SBI Life Insurance
1,969.60
+13.90
(0.71%)
Key Fundamentals
Market Cap
1,96,054.10 Cr
EPS
24.09
PE Ratio
80.52
Dividend Yield
0.14 %
Industry
Insurance 52 Week High
1,978.70
52 Week Low
1,372.55
PB Ratio
10.80
Debt to Equity
0.00
Sector
Life Insurance Analyst Rating and Forecast
- By Refinitiv from34 analysts
Actual
Company News
View All News
SBI Life Insurance reported new business premium of INR 183.5 billion with 17% growth and maintained private market share of 22.2% for the half year ended September 30, 2025. Individual rated new business premium stood at INR 86.8 billion with 7% growth. Gross written premium reached INR 429 billion with 19% growth. Profit after tax grew 4% to INR 10.89 billion. Value of new business increased 14% to INR 27.5 billion with VoNB margin at 27.8%, up 98 basis points. The company faced GST impact of 80 basis points on margins due to non-availability of input tax credit. Protection business showed strong performance with 33% year-on-year growth on APE basis. Individual protection sum assured grew 108% while group protection APE increased 44%. The company launched two new products - SmartShield Plus and SmartMoney Back Plus, with the latter attracting over 8,500 customers within 15 days. Assets under management stood at INR 4.81 trillion with 10% growth. Solvency ratio remained strong at 1.94 against regulatory requirement of 1.50. Management expects protection business to exceed 10% of total APE and guided for individual APE growth of 13-14% for FY26.
SBI Life Insurance Company executed a block trade worth Rs. 16.65 crores on the National Stock Exchange. The transaction involved approximately 86,509 shares at a price of Rs. 1,925.00 per share.
SBI Life expects pressure on its Value of New Business (VNB) margins due to changes in GST regulations. The insurance company anticipates these tax modifications will impact its profitability metrics for new business written.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
919.90 | #1 5,65,897.50 | #1 11.94 | #1 8,98,311.90 | #1 3.86 | #1 48,320 | 4.07 | 61.32 | |
1,969.60 | #2 1,96,054.10 | #3 80.52 | #2 1,18,244.90 | #4 -11.54 | #2 2,413 | #4 -6.57 | 74.18 | |
736.00 | 1,57,746.40 | 83.80 | 97,385.10 | -4.54 | 1,811 | 3.01 | 42.69 | |
599.25 | 85,523.60 | 66.40 | 71,350.30 | -22.21 | 1,186 | #1 17.85 | 50.34 | |
1,559.90 | 53,372.00 | 161.35 | 46,497.20 | -0.25 | 407 | -44.58 | 50.38 |
Growth Rate
Revenue Growth
-11.54 %
Net Income Growth
27.43 %
Cash Flow Change
-12.28 %
ROE
11.89 %
ROCE
12.00 %
EBITDA Margin (Avg.)
45.96 %
Yearly Financial Results
Balance Sheet
| Balance Sheet | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 72,211 | 80,725 | 99,225 | 1,18,156 | 1,42,998 | 1,62,558 | 2,22,592 | 2,68,207 | 3,09,587 | 3,92,783 | 4,50,923 |
| Fixed Assets | 265 | 301 | 507 | 511 | 563 | 568 | 894 | 919 | 867 | 1,199 | 1,894 |
| Current Assets | 4,436 | 5,016 | 5,693 | 6,532 | 6,641 | 5,821 | 7,151 | 7,616 | 9,354 | 11,741 | 8,557 |
| Capital Work in Progress | 7 | 146 | 31 | 70 | 32 | 13 | 2 | 3 | 1 | 6 | 10 |
| Investments | 69,385 | 77,843 | 95,830 | 1,14,436 | 1,39,325 | 1,58,813 | 2,18,756 | 2,64,832 | 3,04,334 | 3,85,590 | 4,47,467 |
| Other Assets | 2,554 | 2,435 | 2,856 | 3,139 | 3,078 | 3,164 | 2,941 | 2,453 | 4,385 | 5,989 | 1,552 |
| Total Liabilities | 72,211 | 80,725 | 99,225 | 1,18,156 | 1,42,998 | 1,62,558 | 2,22,592 | 2,68,207 | 3,09,587 | 3,92,783 | 4,50,923 |
| Current Liabilities | 1,883 | 2,705 | 3,014 | 3,565 | 3,736 | 3,022 | 4,238 | 5,130 | 5,013 | 5,494 | 6,172 |
| Non Current Liabilities | 68,171 | 75,992 | 93,673 | 1,11,628 | 1,35,421 | 1,53,815 | 2,12,192 | 2,56,585 | 2,96,569 | 3,77,874 | 4,33,938 |
| Total Equity | 4,039 | 4,733 | 5,552 | 6,528 | 7,576 | 8,743 | 10,400 | 11,622 | 13,018 | 14,909 | 16,985 |
| Reserve & Surplus | 2,974 | 3,691 | 4,465 | 5,375 | 6,460 | 7,884 | 9,093 | 10,418 | 11,924 | 13,590 | 15,791 |
| Share Capital | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,001 | 1,002 | 1,002 |
Cash Flow
| Cash Flow | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | 2,416 | -1,570 | -651 | 1,264 | -321 | 2,114 | 4,677 | 10 | -1,962 | -2,327 | 3,543 |
| Investing Activities | -178 | -7,204 | -9,032 | -8,910 | -13,552 | -16,986 | -19,203 | -21,611 | -30,203 | -31,221 | -21,789 |
| Operating Activities | 2,712 | 5,778 | 8,525 | 10,395 | 13,473 | 19,299 | 23,878 | 21,852 | 28,656 | 29,122 | 25,547 |
| Financing Activities | -117 | -144 | -144 | -221 | -241 | -199 | 3 | -231 | -415 | -227 | -215 |
Share Holding
| % Holding | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
| Promoter | 55.70 % | 55.70 % | 55.69 % | 55.69 % | 55.48 % | 55.48 % | 55.46 % | 55.45 % | 55.45 % | 55.45 % | 55.44 % | 55.43 % | 55.42 % | 55.41 % | 55.39 % | 55.38 % | 55.38 % | 55.37 % | 55.36 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 25.92 % | 25.16 % | 24.71 % | 25.19 % | 22.48 % | 21.88 % | 22.34 % | 21.85 % |
| DIIs | 5.95 % | 8.67 % | 11.03 % | 11.50 % | 11.95 % | 11.98 % | 15.65 % | 14.94 % | 15.08 % | 12.78 % | 12.89 % | 14.63 % | 15.41 % | 15.89 % | 15.32 % | 17.92 % | 18.67 % | 18.24 % | 18.69 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 2.49 % | 2.35 % | 2.34 % | 2.45 % | 2.47 % | 2.41 % | 2.30 % | 2.24 % | 2.14 % | 2.01 % | 1.96 % | 1.90 % | 1.86 % | 1.90 % | 1.94 % | 2.09 % | 2.02 % | 2.01 % | 2.06 % |
| Others | 35.87 % | 33.29 % | 30.94 % | 30.36 % | 30.09 % | 30.13 % | 26.58 % | 27.36 % | 27.32 % | 29.76 % | 29.71 % | 2.12 % | 2.15 % | 2.09 % | 2.16 % | 2.13 % | 2.05 % | 2.04 % | 2.05 % |
| No of Share Holders | 3,95,635 | 3,83,487 | 3,90,049 | 4,10,175 | 4,08,081 | 4,03,407 | 3,93,398 | 3,84,772 | 3,74,674 | 3,58,088 | 3,49,407 | 3,38,525 | 3,35,114 | 3,45,541 | 3,35,864 | 3,74,916 | 3,63,505 | 3,55,321 | 3,57,764 |
Dividend History
| Annual Cash Flows | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 0.00 | 1.5 | 2 | 2 | 0.00 | 2.5 | 2 | 2.5 | 2.7 | 2.7 |
| Dividend Yield (%) | 0.00 | 0.22 | 0.34 | 0.31 | 0.00 | 0.22 | 0.18 | 0.17 | 0.17 | 0.14 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 06 Apr 2021 |  Dividend | ₹ 2.50 /share | 05 Apr 2021 | 880.70 | 872.55 |
| 30 Mar 2022 | Dividend | ₹ 2.00 /share | 29 Mar 2022 | 1,095.80 | 1,101.25 |
| 16 Mar 2023 | Dividend | ₹ 2.50 /share | 16 Mar 2023 | 1,128.70 | 1,067.05 |
| 16 Mar 2024 | Dividend | ₹ 2.70 /share | 15 Mar 2024 | 1,509.65 | 1,500.50 |
| 26 Aug 2024 |  Annual General Meeting | NA | 26 Aug 2024 | 1,753.50 | 1,788.95 |
| 23 Oct 2024 |  Quarterly Result Announcement | NA | 23 Oct 2024 | 1,737.45 | 1,699.05 |
| 17 Jan 2025 | Quarterly Result Announcement | NA | 17 Jan 2025 | 1,445.95 | 1,513.85 |
| 07 Mar 2025 | Dividend | ₹ 2.70 /share | 07 Mar 2025 | 1,468.40 | 1,420.90 |
| 24 Apr 2025 | Quarterly Result Announcement | NA | 24 Apr 2025 | 1,488.20 | 1,615.55 |
| 24 Jul 2025 | Quarterly Result Announcement | NA | 24 Jul 2025 | 1,824.80 | 1,808.75 |
| 29 Aug 2025 | Annual General Meeting | NA | 29 Aug 2025 | 1,793.75 | 1,816.60 |
| 24 Oct 2025 | Quarterly Result Announcement | NA | 24 Oct 2025 | 1,810.75 | 1,852.45 |
Announcements
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
3 days ago
3 days agoAudio Recording - Earnings Calls For Q2 Of FY 2025-2610 days ago
10 days agoAnnouncement under Regulation 30 (LODR)-Press Release / Media Release10 days ago
10 days agoFinancial Results For The Quarter Ended September 30 202510 days ago
10 days agoBoard Meeting Outcome for SBI Life Insurance Company Limited Held On October 24 202510 days ago
10 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 13, 2025
Oct 13, 2025Board Meeting Intimation for Considering And Approving Audited Financial Results For The Quarter And Half Year Ended September 30 2025Oct 13, 2025
Oct 13, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 07, 2025
Oct 07, 2025Closure of Trading WindowSep 24, 2025
Sep 24, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesSep 18, 2025
Sep 18, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 17, 2025
Sep 17, 2025Announcement under Regulation 30 (LODR)-Appointment of Statutory Auditor/sSep 11, 2025
Sep 11, 2025Disclosure Under Regulation 30 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 - Next-Generation GST Reforms (Exemption Of GST On Individual Life Insurance Policies)Sep 04, 2025
Sep 04, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 29, 2025
Aug 29, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMAug 29, 2025
Aug 29, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 29, 2025
Aug 29, 2025Investor Education And Protection Fund Authority 100 Days Campaign - Saksham NiveshakAug 26, 2025
Aug 26, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAug 18, 2025
Aug 18, 2025Intimation Under Regulation 30 Read With Para A Of Part A Of Schedule III Of The Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015Aug 14, 2025
Aug 14, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 08, 2025
Aug 08, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 07, 2025
Aug 07, 2025Business Responsibility and Sustainability Reporting (BRSR)Aug 07, 2025
Aug 07, 2025Reg. 34 (1) Annual Report.Aug 07, 2025
Aug 07, 2025Notice Of The 25Th Annual General MeetingAug 07, 2025
Aug 07, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 05, 2025
Aug 05, 2025Intimation Of 25Th Annual General MeetingAug 04, 2025
Aug 04, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJul 31, 2025
Jul 31, 2025Audio Recording - Earnings Calls Q1 Of FY 2025-26Jul 24, 2025
Jul 24, 2025Announcement Under Regulation 30 (LODR)-Press Release / Media ReleaseJul 24, 2025
Jul 24, 2025Outcome Of The Board MeetingJul 24, 2025
Jul 24, 2025Financial Results For The Quarter Ended June 30 2025Jul 24, 2025
Jul 24, 2025Board Meeting Outcome for Of Board Meeting Of SBI Life Insurance Company Limited Held On July 24 2025Jul 24, 2025
Jul 24, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 20, 2025
Jul 20, 2025Board Meeting Intimation for Considering And Approving Audited Financial Results For The Quarter Ended June 30 2025Jul 16, 2025
Jul 16, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 04, 2025
Jul 04, 2025Closure of Trading WindowJun 26, 2025
Jun 26, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJun 14, 2025
Jun 14, 2025Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 27, 2025
May 27, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 23, 2025
May 23, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMay 15, 2025
May 15, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 06, 2025
May 06, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptMay 02, 2025
May 02, 2025Clarification On Significant Movement In PriceApr 28, 2025
Apr 28, 2025Clarification sought from SBI Life Insurance Company LtdApr 28, 2025
Apr 28, 2025Audio Recording - Earnings Calls For Q4 Of FY 2024-25Apr 24, 2025
Apr 24, 2025Announcement Under Regulation 30 - Press Release & Investor PresentationApr 24, 2025
Apr 24, 2025Outcome Of The Board MeetingApr 24, 2025
Apr 24, 2025Board Meeting Outcome for Held On April 24 2025Apr 24, 2025
Apr 24, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationApr 17, 2025
Apr 17, 2025Board Meeting Intimation for Considering And Approving Audited Financial Results For The Quarter And Year Ended March 31 2025Apr 09, 2025
Apr 09, 2025Mutual Fund Holdings
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RSI(14)
Neutral 72.47
ATR(14)
Less Volatile 34.42
STOCH(9,6)
Overbought 86.07
STOCH RSI(14)
Overbought 92.56
MACD(12,26)
Bullish 15.86
ADX(14)
Strong Trend 30.29
UO(9)
Bearish 62.77
ROC(12)
Uptrend And Accelerating 7.68
WillR(14)
Overbought -12.74
About SBI Life Insurance
SBI Life Insurance Company Limited is a joint venture between State Bank of India and BNP Paribas Cardif S.A., established in 2001. It offers life insurance products including individual and group policies, covering participating, non-participating, pension, and unit-linked insurance. The company operates through three segments: Participating, Non-Participating, and Linked. SBI Life has a wide distribution network with 992 offices, over 200,000 Insurance Advisors, and nearly 59,000 Certified Insurance Facilitators across India. The company's product portfolio includes savings plans, protection plans, retirement plans, and online insurance options. As of March 31, 2023, SBI Life reported a Gross Written Premium of Rs 673.16 billion, with Assets Under Management of Rs 3,043.35 billion.
Listing Date
03 Oct, 2017(8 Years,
1 days)
Website
Chairperson NameChalla Sreenivasulu Setty
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