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SBI Life Insurance Company Ltd

Finance & Investments

BSE Code 540719	ISIN Demat INE123W01016	Book Value 177.93	NSE Symbol SBILIFE	Dividend Yield (%) 0.15	Market Cap (₹ Cr.) 179,549.90	P/E 72.16	EPS 24.82	Face Value 10

Particulars (₹ Cr)	Mar2025	Mar2024	Mar2023	Mar2022	Mar2021
Policyholders Account (Technical Account)
Income from Insurance Operations (Information)	117,129.39	132,631.41	81,598.48	83,027.20	82,084.90
Gross premiums Written	84,984.63	81,430.64	67,315.60	58,759.64	50,254.17
Gross Premiums	84,984.63	81,430.64	67,315.60	58,759.64	50,254.17
Reinsurance Accepted	0.00	0.00	0.00	0.00	0.00
Premium Ceded Reinsurers	924.80	843.54	734.61	327.35	485.89
Adjustment for Change in Reserve for Unexpired Risks	0.00	0.00	0.00	0.00	0.00
Premium Earned (Net)	84,059.83	80,587.10	66,581.00	58,432.29	49,768.28
INCOME FROM INVESTMENTS - INSURANCE	31,714.10	50,366.63	13,260.14	23,567.95	31,456.01
Interest, Dividends & Rent - Gross (net of Amortisation amount)	17,906.84	15,934.58	13,984.23	11,183.27	9,744.83
Profit on Sale / Redemption of Investments	12,575.05	9,636.41	6,310.27	9,328.40	8,227.05
(Loss on Sale / Redemption of Investments)	-1,932.76	-1,113.52	-2,802.31	-1,207.12	-2,025.05
Profit on Sale of Investments (Net)	0.00	0.00	0.00	0.00	0.00
Transfer/Gain on Revaluation	1,641.95	24,804.54	-4,232.05	4,263.40	15,509.19
Change in Fair Value	0.00	0.00	0.00	0.00	0.00
Accretion of Discount/(Amortisation of Premium) (Net)	1,523.02	1,104.62	0.00	0.00	0.00
Unrealised Gain	0.00	0.00	0.00	0.00	0.00
Net Realised Gain and Loss	0.00	0.00	0.00	0.00	0.00
Foreign Exchange Gain / Loss	0.00	0.00	0.00	0.00	0.00
Appropriation / Expropriation Adjustment Account	0.00	0.00	0.00	0.00	0.00
Others	0.00	0.00	0.00	0.00	0.00
OTHER INCOME - INSURANCE	1,355.46	1,677.68	1,757.34	1,026.96	860.61
Interest on Over Due Premium	0.00	0.00	0.00	0.00	0.00
Interest on Policy Loan	0.00	0.00	0.00	0.00	0.00
Fees and Charges	0.00	0.00	0.00	0.00	0.00
Profit on sale/disposal of fixed assets	0.00	0.00	0.00	0.00	0.00
Foreign Exchange Gains/Loss (Net)	0.00	0.00	0.00	0.00	0.00
Linked Income	0.00	0.00	0.00	0.00	0.00
Investment income from Pool (Terrorism / Nuclear)	0.00	0.00	0.00	0.00	0.00
Miscellaneous Income (Technical)	0.00	30.68	35.02	32.75	22.71
Transfer of Fund / Contribution from the Shareholders Account	1,345.91	1,627.58	1,707.49	982.15	824.79
Income on Unclaimed amount of Policyholders	9.55	19.42	14.84	12.06	13.11
Commission & Brokerage (net)	3,738.75	3,255.32	3,062.49	2,158.29	1,778.78
Incurred Claims	104,601.95	121,538.75	71,290.56	75,101.67	75,516.81
Claims Benefits Paid	48,329.50	42,724.35	30,090.18	31,238.08	21,492.88
Premium Deficiency	0.00	0.00	0.00	0.00	0.00
Interim Bonuses Paid	572.33	383.07	197.28	101.74	89.77
Terminal Bonuses Paid	0.00	0.00	0.00	0.00	0.00
Transfer to Funds	0.00	0.00	0.00	0.00	0.00
Changes in Valuation of Policies Liabilities	55,700.12	78,431.33	41,003.10	43,761.85	53,934.16
Changes in Gross Non-Unit/Mathematical Reserves	24,321.81	25,845.56	20,709.86	17,393.37	16,317.26
Changes in Amount Ceded in Reinsurance	-201.52	-23.06	-204.30	-101.64	-46.29
Changes in Amount Accepted in Reinsurance	0.00	0.00	0.00	0.00	0.00
Fund / Unit Reserve	28,783.62	50,982.02	19,139.52	25,249.45	35,763.35
Funds for Discontinued Policies	2,796.21	1,626.81	1,358.02	1,220.67	1,899.84
Reserve for Unexpired Risks	0.00	0.00	0.00	0.00	0.00
Changes in Catastrophe Reserve	0.00	0.00	0.00	0.00	0.00
Change in Outstanding Claims (Incl. IBNR/IBNER)	0.00	0.00	0.00	0.00	0.00
Changes in Actuarial Liabilities	0.00	0.00	0.00	0.00	0.00
Other Insurance Operations
Operating Expenses related to Insurance Business	4,501.51	3,981.89	3,409.47	2,974.45	2,412.25
Other Operating Expenses to Insurance	207.77	169.66	175.71	105.69	73.93
Loss from Investments	0.00	0.00	0.00	0.00	0.00
Loss from Sale Of Fixed Assets	0.00	0.00	0.00	0.00	0.00
Changes in Fair Value Loss	0.00	0.00	0.00	0.00	0.00
Foreign Exchange Loss	0.00	0.00	0.00	0.00	0.00
Other Operating Expenses - Insurance	0.00	0.00	0.00	0.00	0.00
Total Insurance Expenses	112,842.21	128,775.96	77,762.52	80,234.42	79,707.84
Underwriting Profit/Loss	28,782.38	48,188.86	11,181.52	21,802.13	29,939.56
Provisions for doubtful debts (Including bad debts written off) (Technical)	-1.03	0.10	-1.35	0.98	-0.22
Provisions for diminution In value of investments (Technical)	-12.15	-21.50	12.20	63.15	-171.11
Provisions for standard assets (Technical)	-0.08	-0.34	-0.24	-52.78	-0.19
Bad Debts Written Off (Technical)	2.22	2.46	2.28	29.53	0.15
Provisions for goods and service tax / service tax charge on linked charges	1,105.83	947.58	819.42	741.98	643.46
Provisions for tax	197.93	135.68	147.40	126.16	97.56
Deferred Tax	0.00	0.00	0.00	0.00	0.00
Other Provisions (Technical)	0.00	0.00	0.00	0.00	0.00
Total Expenses Including Provisions	114,134.93	129,839.94	78,742.24	81,143.45	80,277.48
Operating Profit/(Loss)	2,994.46	2,791.47	2,856.25	1,883.75	1,807.42
(a) Fire Insurance	0.00	0.00	0.00	0.00	0.00
(b) Marine Insurance	0.00	0.00	0.00	0.00	0.00
(c) Miscellaneous Insurance	0.00	0.00	0.00	0.00	0.00
(d) Life Insurance	2,994.46	2,791.47	2,856.25	1,883.75	1,807.42
Balance of Previous Year	0.00	0.00	0.00	0.00	0.00
Appropriations (Surplus/(deficit) After Tax Appropriations)	2,994.46	2,791.47	2,856.25	1,883.75	1,807.42
(a) Transfer to Shareholders A/c	2,739.65	2,597.65	2,707.15	1,732.43	1,678.76
(b) Transfer to Profit and Loss A/c	0.00	0.00	0.00	0.00	0.00
Transfer to Catastrophe Reserve	0.00	0.00	0.00	0.00	0.00
(b) Transfer to Reserves	0.00	0.00	0.00	0.00	0.00
(c) Fund for Future Appropriations (Balance Being Funds for Future Appropriation)	254.81	193.82	149.10	151.32	128.66
The Total Surplus as Mentioned below :
(a) Interim Bonus Paid	572.33	383.07	197.28	101.74	89.77
(b) Terminal Bonus Paid	0.00	0.00	0.00	0.00	0.00
(c) Allocation of Bonus to Policyholders	1,967.23	1,843.10	1,714.85	1,520.98	1,394.92
(d) Surplus / Deficit Shown in the Revenue A/c	2,994.46	2,791.47	2,856.25	1,883.75	1,807.42
Total Surplus / Deficit	5,534.02	5,017.64	4,768.38	3,506.47	3,292.11
Shareholders Account : (Non-technical Account) (NON OPERATING RESULTS)
Income in Shareholders Account	3,855.53	3,631.71	3,502.40	2,720.84	2,373.55
(a) Transfer from Policyholders Fund / Account (Technical Account)	2,739.65	2,597.65	2,707.15	1,732.43	1,678.76
(b) Net Reinsurance Premium	0.00	0.00	0.00	0.00	0.00
Total Income Under Shareholders account	1,115.88	1,034.06	795.25	988.41	694.79
Reinsurance Claims Incurred	0.00	0.00	0.00	0.00	0.00
Expenses relating to reinsurance business & Change in reinsurare contract liabililles (net of reinsurance assets)	0.00	0.00	0.00	0.00	0.00
Transfer of Fund to Policyholders A/c	0.00	0.00	0.00	0.00	0.00
Income from Investments	1,114.50	1,034.06	794.50	983.05	688.48
Interest, Dividend & Rent - Gross	918.98	806.29	690.72	589.89	521.11
Profit on Sale of Investments / Redemption of Investments	242.69	270.55	106.89	408.44	226.72
Less: Loss on sale of Investments / Redemption of Investments	-41.07	-30.74	-3.11	-15.28	-59.35
Amortisation of (premium) /discount on investments	-6.10	-12.04	0.00	0.00	0.00
Other Income	1.38	0.00	0.75	5.36	6.31
Forex Gain/( Loss)	0.00	0.00	0.00	0.00	0.00
Profit on sale of Assets (Net)	0.00	0.00	0.00	0.00	0.00
Sundry Balances Written Back (Net)	0.00	0.00	0.00	0.00	0.00
Interest on Income-tax Refund	0.00	0.00	0.00	0.00	0.00
Motor Pool Service Charges	0.00	0.00	0.00	0.00	0.00
Miscellaneous Income (Non Technical)	1.38	0.00	0.75	5.36	6.31
Provision for Doubtful Loans & Investment	0.00	0.00	0.00	0.00	0.00
Provision/(written off ) for Doubtful Debts	0.00	0.00	0.00	0.00	0.00
Diminution in the value of investments written off	0.00	0.00	0.00	0.00	0.00
Other Expenses
Expenses relating to Investments and Financial Costs	0.00	0.00	0.00	0.00	0.00
Expenses other than those directly related to the insurance business	34.19	51.45	37.23	156.98	30.98
Forex Loss/(Gain)	0.00	0.00	0.00	0.00	0.00
IPO Expenses	0.00	0.00	0.00	0.00	0.00
Provisions for doubtful debts (Including bad debts written off) (Non Technical)	0.00	0.00	0.00	0.00	0.00
Provisions for diminution In value of investments (Non Technical)	-19.24	10.57	-0.76	20.96	-24.68
Provisions for standard assets (Non Technical)	0.00	0.00	0.00	0.00	0.00
Bad Debts Written Off (Non Technical)	0.00	0.00	0.00	0.00	0.00
Other Provisions (Non Technical)	0.00	0.00	0.00	0.00	0.00
Contribution to the Policyholders Fund / Account	1,345.91	1,627.58	1,707.49	982.15	824.79
Profit/Loss before Extraordinary items	2,494.67	1,942.11	1,758.45	1,560.76	1,542.46
Exceptional Items Before Tax	0.00	0.00	0.00	0.00	0.00
Profit Before Extraordinary Items and Tax	2,494.67	1,942.11	1,758.45	1,560.76	1,542.46
Other Adjustments Before Tax	0.00	0.00	0.00	0.00	0.00
Extraordinary Items before tax	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	2,494.67	1,942.11	1,758.45	1,560.76	1,542.46
Taxation	81.37	48.33	37.87	54.76	86.61
- Current Tax	0.00	0.00	0.00	0.00	0.00
- Deferred Tax	0.00	0.00	0.00	0.00	0.00
- MAT Credit	0.00	0.00	0.00	0.00	0.00
- Fringe Benefit Tax	0.00	0.00	0.00	0.00	0.00
- Provision for Tax in respect of earlier years	0.00	0.00	0.00	0.00	0.00
- Provision for Wealth Tax	0.00	0.00	0.00	0.00	0.00
- Other Tax	81.37	48.33	37.87	54.76	86.61
Profit After Tax	2,413.30	1,893.78	1,720.57	1,506.00	1,455.85
Extraordinary Items After Tax	0.00	0.00	0.00	0.00	0.00
Discontinued Operations	0.00	0.00	0.00	0.00	0.00
Profit / (Loss) from Discontinuing Operations	0.00	0.00	0.00	0.00	0.00
Tax Expense of Discontinuing Operations	0.00	0.00	0.00	0.00	0.00
Profit Attributable to Shareholders	2,413.30	1,893.78	1,720.57	1,506.00	1,455.85
Adjustments to Net Income	0.00	0.00	0.00	0.00	0.00
Preference Dividend	0.00	0.00	0.00	0.00	0.00
Profit Attributable to Ordinary Shareholders	2,413.30	1,893.78	1,720.57	1,506.00	1,455.85
Information :
Total Employee Benefits (Information)	2,728.79	2,398.29	2,046.36	1,816.37	1,490.98
OperatingProfitAfterDepreciation	2,994.46	2,791.47	2,856.25	1,883.75	1,807.42
Operation Profit before Depreciation	2,994.46	2,791.47	2,856.25	1,883.75	1,807.42
Dividend Per Share	2.70	2.70	2.50	2.00	2.50
Dividend Percentage	27.00	27.00	25.00	20.00	25.00
Equity Dividend	270.57	270.37	250.22	200.07	250.02
Earning Per Share - Basic	24.09	18.92	17.19	15.06	14.56
Earning Per Share - Diluted	24.07	18.90	17.18	15.04	14.55
Weighted Average Shares - Basic	100.18	100.11	100.06	100.02	100.00
Weighted Average Shares - Diluted	100.27	100.19	100.14	100.10	100.04