SBI Life Insurance Company profit and loss

Latest FY26

Revenue: ₹1,12,966cr−3.5% on FY25
EBITDA: ₹2,537cr+1.8% on FY25
Net profit: ₹2,470cr+2.4% on FY25
EPS: ₹24.62+2.3% on FY25

₹ crore except per share

Tap a line for its trend	Last 12Mto Sep 2026	FY26Mar 2026	FY25Mar 2025	FY23Mar 2023	FY22 and earlierAlpha Plus

Expenses
	—	—	1.4	0.7	FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	1,21,843	1,12,966	1,17,119	3,502
	—	8.2	12.1	13.2
	1,18,329	1,09,677	1,14,124	—
	2,713	2,537	2,493	1,758
	2,713	2,537	2,493	1,758
Profit
	—	—	—	1,758
	2,713	2,537	2,495	1,758
	179	159	198	—
	2,656	2,470	2,413	1,721
	—	2,470	2,413	1,721
Per share
	₹26.46	₹24.62	₹24.07	—
Revenue detail — as filed
	1,320	1,297	1,114	—
	14,955	11,062	31,714	—
Expense detail — as filed
	242	238	197	—
	3,405	3,252	2,729	—
	4,769	4,496	3,418	—
	4,769	4,496	3,739	—
	142	7.9	−12.2	—
	0.9	1.0	1.2	—
Profit build-up — alternate / pre-Ind-AS tags
	2,713	2,537	2,495	—
	57.4	67.1	81.4	—
	179	159	198	—
	57.4	67.1	81.4	—
	2,656	2,470	2,413	—
	2,656	2,470	2,413	—
	19,104	17,830	15,631	—
Per share — as-filed variants
	₹5.47	₹24.64	₹24.09	—
	₹5.47	₹24.62	₹24.07	—
Appropriations & transfers
	19,390	18,083	15,791	—
	0.0	0.0	0.0	—
Insurance — revenue account (Policyholders')
	1,06,793	1,01,286	84,985	—
	1,04,885	99,956	84,060	—
	23,723	21,841	19,372	—
	62,331	58,735	49,408	—
	20,739	20,710	16,205	—
	2,989	2,803	1,993	—
	1,537	1,452	1,200	—
	243	241	226	—
	11,699	10,721	8,230	—
	6,930	6,225	4,491	—
	27.5	29.7	34.2	—
	59,364	54,323	48,902	—
	46,946	43,938	55,700	—
	2,061	2,061	1,967	—
	24.6	29.8	93.2	—
	806	673	479	—
	−2.6	525	1,106	—
	3,514	3,289	2,994	—
	3,514	3,289	2,994	—
	181	129	255	—
	50.5	0.2	0.3	—
	—	55,652	49,378	—
	—	1,02,120	85,440	—
Insurance — Shareholders' account
	1,320	1,297	1,116	—
	4,652	4,458	3,856	—
	1,939	1,920	1,361	—
	38.0	16.5	−19.2	—
	3,332	3,160	2,740	—
	1,874	1,874	1,346	—
	3,332	3,160	2,740	—
	−0.1	0.0	0.0	—
	0.1	0.0	0.0	—
Insurance — result & transfers
	6,405	6,053	5,534	—
	129	73.9	−1.2	—
	—	—	1.4	—
	1,874	1,874	1,346	—
Insurance — fund NPAs
	0.0	−0.0	0.0	—
	0.0	0.0	0.0	—
	0.0	0.0	0.0	—
	0.0	0.0	0.0	—
	0.0	0.0	0.0	—
	0.0	0.0	0.0	—
Insurance — IRDAI ratios (as filed, not percentages)
	1.90×	1.90×	1.96×	—
	₹1.97	₹0.02	₹0.02	—
	₹0.82	₹0.01	₹0.01	—
	₹0.11	₹0.00	₹0.00	—
	₹0.86	₹0.01	₹0.01	—
	₹0.78	₹0.01	₹0.01	—
	₹0.71	₹0.01	₹0.01	—
	₹0.69	₹0.01	₹0.01	—
	₹0.58	₹0.01	₹0.01	—
Direct-method operating receipts — filed in the P&L block
	—	0.0	1.3	—
	—	5,810	5,317	—
Regulatory disclosures — filed alongside, not part of the P&L
	₹5.00	₹12.00	₹35.00	—
	₹5.00	₹12.00	₹35.00	—
Adjusted (ex-exceptional items) — derived
	—	—	—	1,758
	—	2,470	2,413	1,721
	—	₹24.62	₹24.07	—

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From the company's filings with NSE and BSE (Ind-AS), standalone. For information only, not investment advice.

alphave

SBILIFE₹1,666.70

SBI Life Insurance Company Ltd.

· Banking & Finance

Annual Quarterly₹ CrorePeersHDFCLIFE ICICIPRULI LICI SHRIRAMFIN JIOFIN BANKBARODA CANBK PNBMcap ₹1.67L Cr

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In ₹ Crore except Per Share 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Other Income	0.7	—	1.4	—	—
Total Income	3,502.4	—	1,17,118.7	1,12,965.9	1,21,843.1
Expenses
+ Other Expenses	13.2	—	12.1	8.2	—
Total Expenses	—	—	1,14,124.2	1,09,676.5	1,18,329.4
EBITDA	1,757.7	—	2,493.3	2,537.4	2,712.9
EBIT	1,757.7	—	2,493.3	2,537.4	2,712.9
Profit
PBT before Exceptional Items	1,758.4	—	—	—	—
Pretax Income	1,758.4	—	2,494.7	2,537.4	2,712.9
+ Current Tax	—	—	197.9	159.5	179.0
Net Income	1,720.6	—	2,413.3	2,470.3	2,655.5
+ Net Income — Continuing Ops	1,720.6	—	2,413.3	2,470.3	—
Per Share
Basic EPS	—	—	24.07	24.62	26.46
Revenue Detail — as filed
+ Investment Income	—	—	1,114.5	1,297.4	1,319.6
+ Income from Investments (net)	—	—	31,714.1	11,062.1	14,955.5
Expense Detail — as filed
+ Advertisement & Publicity	—	—	196.6	238.1	241.9
+ Employee Remuneration & Welfare	—	—	2,728.8	3,251.8	3,405.0
+ Commission	—	—	3,418.2	4,495.7	4,768.9
+ Commission (net)	—	—	3,738.8	4,495.7	4,768.9
+ Provision — Diminution in Investments	—	—	-12.2	7.9	142.3
+ Provision — Doubtful Debts & Write-offs	—	—	1.2	1.0	0.9
Profit Build-up — Alternate / Pre-Ind-AS Tags
Profit / (Loss) before Tax	—	—	2,494.7	2,537.4	2,712.9
+ Current Taxes	—	—	81.4	67.1	57.4
+ Provision for Tax	—	—	197.9	159.5	179.0
+ Provisions for Taxes	—	—	81.4	67.1	57.4
PAT before Extraordinary Items	—	—	2,413.3	2,470.3	2,655.5
PAT after Extraordinary Items	—	—	2,413.3	2,470.3	2,655.5
Profit Carried to Balance Sheet	—	—	15,630.6	17,830.1	19,104.2
Per Share — as-filed variants
Basic & Diluted EPS before Extraordinary (not annualised)	—	—	24.09	24.64	5.47
Basic & Diluted EPS after Extraordinary (not annualised)	—	—	24.07	24.62	5.47
Appropriations & Transfers
Reserves & Surplus excl. Revaluation Reserve	—	—	15,790.7	18,083.1	19,390.3
+ Interim Dividend	—	—	0.0	0.0	0.0
Insurance — Revenue Account (Policyholders')
+ Gross Premium Income	—	—	84,984.6	1,01,286.1	1,06,793.1
+ Net Premium Income	—	—	84,059.8	99,955.9	1,04,885.0
+ First-year Premium	—	—	19,371.6	21,841.0	23,722.9
+ Renewal Premium	—	—	49,407.8	58,734.8	62,331.1
+ Single Premium	—	—	16,205.2	20,710.3	20,739.2
+ Commission — First-year Premium	—	—	1,993.1	2,802.8	2,988.9
+ Commission — Renewal Premium	—	—	1,199.6	1,452.3	1,537.0
+ Commission — Single Premium	—	—	225.6	240.7	243.1
+ Expenses of Management	—	—	8,229.5	10,721.2	11,699.3
+ Operating Expenses — Insurance Business	—	—	4,490.8	6,225.5	6,930.4
+ Expenses — Non-insurance	—	—	34.2	29.7	27.5
+ Benefits Paid (net)	—	—	48,901.8	54,323.5	59,364.2
+ Change in Actuarial Liability	—	—	55,700.1	43,938.2	46,946.3
+ Bonus Allocated to Policyholders	—	—	1,967.2	2,060.5	2,060.5
+ Interim Bonus Paid	—	—	93.2	29.8	24.6
+ Terminal Bonus Paid	—	—	479.2	673.5	805.9
+ GST on Linked Charges	—	—	1,105.8	525.3	-2.6
Surplus in the Revenue Account	—	—	2,994.5	3,289.4	3,513.7
Net Surplus / (Deficit)	—	—	2,994.5	3,289.4	3,513.7
+ Funds for Future Appropriation	—	—	254.8	129.3	181.4
+ Policyholders' Liabilities to Shareholders' Fund	—	—	0.3	0.2	50.5
+ Payments — Premiums, Claims, Annuities & Benefits	—	—	49,377.8	55,652.2	—
+ Receipts — Premiums, Claims, Annuities & Benefits	—	—	85,439.5	1,02,120.2	—
Insurance — Shareholders' Account
+ Income under Shareholders' Account	—	—	1,115.9	1,297.4	1,320.0
+ Shareholders' Account Income	—	—	3,855.5	4,457.5	4,652.3
+ Shareholders' Account Expenses	—	—	1,360.9	1,920.1	1,939.4
+ Shareholders' Provision — Diminution in Investments	—	—	-19.2	16.5	38.0
+ Transfer from Policyholders' Account	—	—	2,739.6	3,160.1	3,332.3
+ Transfer of Funds to Policyholders' Account	—	—	1,345.9	1,873.9	1,873.9
+ Transferred to Shareholders' Account	—	—	2,739.6	3,160.1	3,332.3
Shareholders' Fund — with Unrealised Gains	—	—	0.0	0.0	-0.1
Shareholders' Fund — without Unrealised Gains	—	—	0.0	0.0	0.1
Insurance — Result & Transfers
Surplus / (Deficit)	—	—	5,534.0	6,053.2	6,404.8
+ Other Income — Policyholders' Account	—	—	-1.2	73.9	128.7
+ Other Income — Shareholders' Account	—	—	1.4	—	—
+ Transfer of Funds from Shareholders' Account	—	—	1,345.9	1,873.9	1,873.9
Insurance — Fund NPAs
+ Linked Non-participating — with Unrealised Gains	—	—	0.0	-0.0	0.0
+ Linked Non-participating — without Unrealised Gains	—	—	0.0	0.0	0.0
+ Non-linked Participating — with Unrealised Gains	—	—	0.0	0.0	0.0
+ Non-linked Participating — without Unrealised Gains	—	—	0.0	0.0	0.0
+ Non-linked Non-participating — with Unrealised Gains	—	—	0.0	0.0	0.0
+ Non-linked Non-participating — without Unrealised Gains	—	—	0.0	0.0	0.0
Insurance — IRDAI Ratios (as filed, not percentages)
Solvency Ratio (x, one scale)	—	—	1.96	1.90	1.90
Solvency Ratio (as filed)	—	—	0.02	0.02	1.97
Conservation Ratio	—	—	0.01	0.01	0.82
Expenses of Management Ratio	—	—	0.00	0.00	0.11
Persistency — 13th Month	—	—	0.01	0.01	0.86
Persistency — 25th Month	—	—	0.01	0.01	0.78
Persistency — 37th Month	—	—	0.01	0.01	0.71
Persistency — 49th Month	—	—	0.01	0.01	0.69
Persistency — 61st Month	—	—	0.01	0.01	0.58
Direct-method Operating Receipts — filed in the P&L block
+ Other Operating Cash Receipts	—	—	1.3	0.0	—
+ Other Operating Cash Payments	—	—	5,317.1	5,810.0	—
Regulatory Disclosures — filed alongside, not part of the P&L
Investor Complaints — Received	—	—	35.00	12.00	5.00
Investor Complaints — Disposed	—	—	35.00	12.00	5.00
Adjusted (ex-Exceptional Items) — derived
Pretax Income (Adjusted, as filed)	1,758.4	—	—	—	—
Net Income Adj (tax-effected)	1,720.6	—	2,413.3	2,470.3	—
EPS Adj	—	—	24.07	24.62	—
Other Filed Concepts — mapped but not yet placed in the schedule
Other Operating Expenses	—	—	1,565.4	2,735.6	3,283.5

As filed, sign as filed — read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown, so depth follows the filer: pre-Ind-AS, insurance and NBFC blocks stay hidden unless they were actually reported. Alternate tags for the same idea (e.g. two spellings of a deferred-tax element) are kept as separate lines rather than merged, because merging them would be a guess. Ratios, per-share figures and counts render as raw numbers, not ₹ Crore. No consensus estimates → no Est columns. Click any row to chart it.

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Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 353%.