NSE:SBILIFE Income Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Premiums & Annuity Revenue	961,328	840,598	805,871	665,810	584,323	497,683
Total Interest & Dividend Income	211,798	188,258	167,409	146,750	117,732	102,659
Gain (Loss) on Sale of Investments	123,039	123,922	98,662	-6,317	126,937	220,744
Other Revenue	16,411	16,422	248,547	155.85	174.16	194.16
Total Revenue	1,312,576	1,169,200	1,320,488	806,398	829,166	821,280
Revenue Growth (YoY)	0.85%	-11.46%	63.75%	-2.75%	0.96%	87.74%
Policy Benefits	1,172,495	1,046,020	1,215,388	714,397	752,530	756,455
Policy Acquisition & Underwriting Costs	44,134	37,388	32,553	30,625	21,583	17,788
Depreciation & Amortization	-	-	-	-	1.38	2.07
Selling, General & Administrative	43,592	43,560	38,791	32,621	28,501	23,046
Provision for Bad Debts	8.1	11.8	25.5	9.33	305.15	-0.75
Other Operating Expenses	19,938	15,172	12,866	9,590	9,804	7,508
Total Operating Expenses	1,285,146	1,142,150	1,299,619	787,239	812,197	804,797
Operating Income	27,429	27,051	20,869	19,159	16,969	16,483
Interest Expense	-114.4	-114.4	-91.3	-100.83	-100.15	-83.19
Other Non Operating Income (Expenses)	-0.1	-0.1	-0.2	-0	-	-
EBT Excluding Unusual Items	27,315	26,936	20,778	19,059	16,869	16,400
Other Unusual Items	-10	-10	-	-	-	-
Pretax Income	27,305	26,926	20,778	19,059	16,869	16,400
Income Tax Expense	2,513	2,793	1,840	1,853	1,809	1,842
Net Income	24,792	24,133	18,938	17,206	15,060	14,558
Net Income to Common	24,792	24,133	18,938	17,206	15,060	14,558
Net Income Growth	2.84%	27.43%	10.07%	14.25%	3.45%	2.37%
Shares Outstanding (Basic)	1,002	1,002	1,001	1,001	1,000	1,000
Shares Outstanding (Diluted)	1,003	1,003	1,002	1,001	1,001	1,000
Shares Change (YoY)	0.11%	0.08%	0.05%	0.04%	0.06%	0.00%
EPS (Basic)	24.74	24.09	18.92	17.19	15.06	14.56
EPS (Diluted)	24.71	24.07	18.90	17.18	15.04	14.55
EPS Growth	2.74%	27.36%	10.01%	14.23%	3.37%	2.32%
Free Cash Flow	-	254,405	290,075	285,928	217,961	237,731
Free Cash Flow Per Share	-	253.73	289.52	285.52	217.74	237.63
Dividend Per Share	2.700	2.700	2.700	2.500	2.000	2.500
Dividend Growth	-	-	8.00%	25.00%	-20.00%	-
Operating Margin	2.09%	2.31%	1.58%	2.38%	2.05%	2.01%
Profit Margin	1.89%	2.06%	1.43%	2.13%	1.82%	1.77%
Free Cash Flow Margin	-	21.76%	21.97%	35.46%	26.29%	28.95%
EBITDA	28,165	27,798	21,632	19,837	17,718	17,477
EBITDA Margin	2.15%	2.38%	1.64%	2.46%	2.14%	2.13%
D&A For EBITDA	736.05	747.3	762.3	677.91	748.96	993.98
EBIT	27,429	27,051	20,869	19,159	16,969	16,483
EBIT Margin	2.09%	2.31%	1.58%	2.38%	2.05%	2.01%
Effective Tax Rate	9.20%	10.37%	8.86%	9.72%	10.72%	11.23%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.