SBI Life announced its audited financial results for the quarter and half-year ended September 30, 2025. The company reported a surplus of ₹20,015 lakhs for the quarter and ₹66,830 lakhs for the half-year. The earnings per share stood at ₹4.93 for the quarter. The board approved these results at its meeting on October 24, 2025.
Financial Performance Highlights
For the quarter and half-year ended September 30, 2025, SBI Life’s financial performance showcased these key metrics:
- Net premium income reached ₹24,84,831 lakhs for the quarter.
- Total income amounted to ₹22,80,922 lakhs.
- The surplus for the quarter was reported at ₹20,015 lakhs.
- Expenses of Management totaled ₹2,75,917 lakhs.
- Benefits paid (net) amounted to ₹13,48,211 lakhs.
- Change in actuarial liability stood at ₹6,03,921 lakhs.
Shareholders’ Account Summary
Key details from the Shareholders’ Account:
- Transfer from Policyholders’ Account was ₹20,572 lakhs for the quarter.
- Total income under Shareholders’ Account was ₹32,233 lakhs.
- Profit after tax and before Extraordinary Items reached ₹49,459 lakhs.
Key Ratios
Analytical ratios provide insight into the company’s financial health:
- Solvency Ratio: 1.94
- Expenses Management Ratio: 11.00%
- Policyholder’s liabilities to shareholders’ fund: 2540.21%
Analytical Results
Analytical data reveals key performance statistics:
- Yield on Investments without unrealized gains (Non-Linked): 7.84%
- Persistency Ratio for the 13th month: 85.37% for premium basis and 78.54% for policy basis.
- Conservation Ratio: 84.17%
Board Approval
The audited financial results were approved by the Board of Directors at their meeting on October 24, 2025.
Auditor’s Opinion
The auditors’ report indicates that the actuarial valuation of liabilities, as determined by the appointed actuary, is appropriately certified in accordance with regulatory guidelines.
Source: BSE