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SBI Life Releases Audio Recording of Q3 FY26 Earnings Conference Call
SBI Life Insurance Company has officially released the audio recording of its earnings conference call for the third quarter and nine months ended December 31, 2025. The call was conducted on January 28, 2026, following the announcement of the company's financial results. This disclosure is a standard regulatory requirement under SEBI (LODR) Regulations to ensure transparency for all stakeholders. Investors can access the management's detailed commentary on business performance and future outlook via the company's website.
Key Highlights
Audio recording of the Q3 FY 2025-26 earnings call is now available to the public.
The conference call was held on January 28, 2026, with analysts and institutional investors.
Covers financial performance for the nine-month period ending December 31, 2025.
Compliance filing under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.
💼 Action for Investors
Investors should listen to the recording to understand management's perspective on VNB margins and premium growth trends. This is a routine administrative update and does not require immediate action.
SBI Life 9M FY26 Results: VoNB Up 17% to ₹50.4 Billion, APE Grows 16%
SBI Life reported a steady performance for 9M FY26, with Annualized Premium Equivalent (APE) growing 16% YoY to ₹185.2 billion. The Value of New Business (VoNB) increased by 17% to ₹50.4 billion, supported by a slight expansion in margins to 27.2%. While Profit After Tax (PAT) saw a modest 4% growth to ₹16.7 billion, the Indian Embedded Value (IEV) rose significantly by 18% to ₹801.3 billion. The company maintained its private market leadership with a 25.6% share in Individual Rated Premium.
Key Highlights
Value of New Business (VoNB) grew 17% YoY to ₹50.4 billion with margins improving to 27.2%
Annualized Premium Equivalent (APE) reached ₹185.2 billion, marking a 16% YoY growth
Assets Under Management (AUM) crossed the ₹5.1 trillion mark, up 16% YoY
13th-month persistency improved by 101 bps to 87.1%, indicating better customer retention
Indian Embedded Value (IEV) stands at ₹801.3 billion, reflecting 18% YoY growth
💼 Action for Investors
Investors should focus on the strong growth in VoNB and IEV, which are key long-term value drivers for life insurers. While the cost ratio increased slightly to 11.2%, the company's market leadership and margin stability remain positive indicators.
SBI Life Q3 FY26 PAT Rises 4.7% YoY to ₹577 Cr; Gross Premium Up 22%
SBI Life reported a steady performance for Q3 FY26, with Gross Premium Income growing 21.8% year-on-year to ₹30,245 crore. Net profit saw a modest increase of 4.7%, reaching ₹577 crore compared to ₹551 crore in the same quarter last year. The company maintained a healthy solvency ratio of 1.91, well above the regulatory threshold of 1.50. While operating expenses increased, the 13th-month persistency ratio improved to 83.99%, indicating better customer retention.
Key Highlights
Gross Premium Income grew by 21.8% YoY to ₹30,245 crore in Q3 FY26.
Net Profit (PAT) increased by 4.7% YoY to ₹577 crore for the quarter.
Solvency ratio remains robust at 1.91, though down from 2.04 a year ago.
13th-month persistency ratio improved to 83.99% from 82.67% YoY.
Operating expense ratio increased to 11.56% compared to 9.67% in the previous year's quarter.
💼 Action for Investors
Investors should focus on the strong top-line growth and improving persistency, which are positive long-term indicators. The stock remains a solid play in the insurance sector, though rising expense ratios warrant monitoring.