SBI Life Q4 Results 2025 Highlights: PAT Up 27% & Premiums Surged 7.3%; Check Key Insights

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Posted by : sachet | Fri Apr 25 2025

SBI Life Q4 Results 2025 Highlights: PAT Up 27% & Premiums Surged 7.3%; Check Key Insights

SBI Life Insurance Company has announced its financial results for Q4 and FY25. Despite a decline in the quarterly income from total premiums, the company’s key financial metrics indicate significant growth over the year. The stock price of the company closed at ₹1615, indicating a decline of 0.031%.

Table of Contents

Financial Performance

SBI Life Insurance Company’s total income from premiums during Q4 FY25 dropped from ₹25116 crores to ₹23860 crores, indicating a year-on-year decline of 5.1%.
This decline was largely driven by considerable moderations in single premiums, which dropped to ₹4462.5 crores from ₹7709.5 crores as compared to Q4 FY24.
On the contrary, other premium segments witnessed a positive growth in the quarter.
The first-year premiums amounted to ₹4858.7 crores. This reflects a year-on-year increase of 7.3% from ₹4528.3 crores in Q4 FY24.
Additionally, renewal premiums rose from ₹13003.2 crores to ₹14680.3 crores, recording a year-on-year increase of 12.9%.
Shareholders’ profit before tax for Q4 FY25 increased from ₹947.59 crores to ₹1,105.83 crores as compared to Q4 FY24.
Consolidated net profit (PAT) for Q4 FY25 witnessed a year-on-year increase of 0.3% from ₹810.8 crores to ₹813.5 crores.
Total Annualised Premium Equivalent (APE) was reported to be ₹5,450 crores.

FY25 Annual Performance

SBI Life Insurance Company’s total premium income increased by 4.3% to ₹84,059.83 crores.
The company’s Gross Written Premium (GWP) increased to ₹84,980 crores, indicating a rise of 4%.
However, annual new business premium declined from ₹38,238 crores in FY24 to ₹35,577 crores.
Individual new business premium rose by 11% to ₹26,360 crores.
Protection new business premium stood at ₹4,095 crores, while protection individual new business premium was ₹793 crores.
Regular premium witnessed a growth of 11% over last year.
APE rose to ₹21,417 crores in FY25, indicating a 9% year-on-year increase.
The company reported a 27% increase in profit after tax (PAT) for FY25, standing at ₹2,413 crores.

Key Considerations of SBI Life Insurance

SBI Life Insurance Company’s Assets Under Management (AUM) reflected robust growth of about 15%, amounting to ₹4,48,039 crores.
The debt-equity ratio of the company stood at 61:39, with a majority of 94% of debt investments held in AAA and sovereign papers.
The company captured a market share of 22.8% in FY25, demonstrating a significant growth.

Final Thoughts

Although the fourth quarter of the year ended 31st March 2025 reflects a decline in the total premium income, SBI Life Insurance Company’s annual performance demonstrates substantial growth in terms of key financial ratios, profitability and market positioning.

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