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SBI Life Insurance Company Ltd

Finance & Investments

BSE Code 540719	ISIN Demat INE123W01016	Book Value 162.28	NSE Symbol SBILIFE	Dividend Yield (%) 0.17	Market Cap (₹ Cr.) 156,515.55	P/E 71.76	EPS 21.77	Face Value 10

Particulars (₹ Cr)	Mar2024	Mar2023	Mar2022	Mar2021	Mar2020
Policyholders Account (Technical Account)
Income from Insurance Operations (Information)	132,631.41	81,598.48	83,027.20	82,084.90	43,842.84
Gross premiums Written	81,430.64	67,315.60	58,759.64	50,254.17	40,634.73
Gross Premiums	81,430.64	67,315.60	58,759.64	50,254.17	40,634.73
Reinsurance Accepted	0.00	0.00	0.00	0.00	0.00
Premium Ceded Reinsurers	843.54	734.61	327.35	485.89	310.72
Adjustment for Change in Reserve for Unexpired Risks	0.00	0.00	0.00	0.00	0.00
Premium Earned (Net)	80,587.10	66,581.00	58,432.29	49,768.28	40,324.01
INCOME FROM INVESTMENTS - INSURANCE	50,366.63	13,260.14	23,567.95	31,456.01	2,996.79
Interest, Dividends & Rent - Gross (net of Amortisation amount)	17,039.20	13,984.23	11,183.27	9,744.83	8,918.10
Profit on Sale / Redemption of Investments	9,636.41	6,310.27	9,328.40	8,227.05	4,116.00
(Loss on Sale / Redemption of Investments)	-1,113.52	-2,802.31	-1,207.12	-2,025.05	-2,016.23
Profit on Sale of Investments (Net)	0.00	0.00	0.00	0.00	0.00
Transfer/Gain on Revaluation	24,804.54	-4,232.05	4,263.40	15,509.19	-8,021.08
Change in Fair Value	0.00	0.00	0.00	0.00	0.00
Accretion of Discount/(Amortisation of Premium) (Net)	0.00	0.00	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	1,677.68	1,757.34	1,026.96	860.61	522.04
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)	30.69	35.02	32.75	22.71	26.18
Transfer of Fund / Contribution from the Shareholders Account	1,627.58	1,707.49	982.15	824.79	476.28
Income on Unclaimed amount of Policyholders	19.42	14.84	12.06	13.11	19.58
Commission & Brokerage (net)	3,255.31	3,062.49	2,158.29	1,778.78	1,624.94
Incurred Claims	121,538.75	71,290.56	75,101.67	75,516.81	36,855.79
Claims Benefits Paid	42,724.35	30,090.18	31,238.08	21,492.88	16,175.35
Premium Deficiency	0.00	0.00	0.00	0.00	0.00
Interim Bonuses Paid	383.07	197.28	101.74	89.77	75.59
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	78,431.33	41,003.10	43,761.85	53,934.16	20,604.86
Changes in Gross Non-Unit/Mathematical Reserves	25,845.56	20,709.86	17,393.37	16,317.26	11,274.44
Changes in Amount Ceded in Reinsurance	-23.06	-204.30	-101.64	-46.29	-38.31
Changes in Amount Accepted in Reinsurance	0.00	0.00	0.00	0.00	0.00
Fund / Unit Reserve	50,982.02	19,139.52	25,249.45	35,763.35	7,687.51
Funds for Discontinued Policies	1,626.81	1,358.02	1,220.67	1,899.84	1,681.22
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	3,981.90	3,409.47	2,974.45	2,412.25	2,413.08
Other Operating Expenses to Insurance	261.45	175.71	105.69	73.93	112.10
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	128,775.97	77,762.52	80,234.42	79,707.84	40,893.82
Underwriting Profit/Loss	48,188.87	11,181.52	21,802.13	29,939.56	569.81
Provisions for doubtful debts (Including bad debts written off) (Technical)	0.10	-1.35	0.98	-0.22	0.43
Provisions for diminution In value of investments (Technical)	-21.50	12.20	63.15	-171.11	70.52
Provisions for standard assets (Technical)	-0.34	-0.24	-52.78	-0.19	53.24
Bad Debts Written Off (Technical)	2.45	2.28	29.53	0.15	0.22
Provisions for goods and service tax / service tax charge on linked charges	947.58	819.42	741.98	643.46	553.17
Provisions for tax	135.68	147.40	126.16	97.56	376.74
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	129,839.94	78,742.24	81,143.45	80,277.48	41,948.14
Operating Profit/(Loss)	2,791.47	2,856.25	1,883.75	1,807.42	1,894.70
(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	2,791.47	2,856.25	1,883.75	1,807.42	1,894.70
Balance of Previous Year	0.00	0.00	0.00	0.00	0.00
Appropriations (Surplus/(deficit) After Tax Appropriations)	2,791.47	2,856.25	1,883.75	1,807.42	1,894.70
(a) Transfer to Shareholders A/c	2,597.65	2,707.15	1,732.43	1,678.76	1,462.65
(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)	193.82	149.10	151.32	128.66	432.05
The Total Surplus as Mentioned below :
(a) Interim Bonus Paid	383.07	197.28	101.74	89.77	75.59
(b) Terminal Bonus Paid	0.00	0.00	0.00	0.00	0.00
(c) Allocation of Bonus to Policyholders	1,843.10	1,714.85	1,520.98	1,394.92	1,296.33
(d) Surplus / Deficit Shown in the Revenue A/c	2,791.47	2,856.25	1,883.75	1,807.42	1,894.70
Total Surplus / Deficit	5,017.65	4,768.38	3,506.47	3,292.11	3,266.62
Shareholders Account : (Non-technical Account) (NON OPERATING RESULTS)
Income in Shareholders Account	3,631.70	3,502.40	2,720.84	2,373.55	1,946.14
(a) Transfer from Policyholders Fund / Account (Technical Account)	2,597.65	2,707.15	1,732.43	1,678.76	1,462.65
(b) Net Reinsurance Premium	0.00	0.00	0.00	0.00	0.00
Total Income Under Shareholders account	1,034.06	795.25	988.41	694.79	483.49
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	1,034.06	794.50	983.05	688.48	476.70
Interest, Dividend & Rent - Gross	794.25	690.72	589.89	521.11	466.56
Profit on Sale of Investments / Redemption of Investments	270.55	106.89	408.44	226.72	168.75
Less: Loss on sale of Investments / Redemption of Investments	-30.74	-3.11	-15.28	-59.35	-158.61
Amortisation of (premium) /discount on investments	0.00	0.00	0.00	0.00	0.00
Other Income	0.00	0.75	5.36	6.31	6.79
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)	0.00	0.75	5.36	6.31	6.79
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	51.45	37.23	156.98	30.98	48.30
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)	10.57	-0.76	20.96	-24.68	8.02
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	1,627.58	1,707.49	982.15	824.79	476.28
Profit/Loss before Extraordinary items	1,942.11	1,758.45	1,560.76	1,542.46	1,413.55
Exceptional Items Before Tax	0.00	0.00	0.00	0.00	0.00
Profit Before Extraordinary Items and Tax	1,942.11	1,758.45	1,560.76	1,542.46	1,413.55
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	1,942.11	1,758.45	1,560.76	1,542.46	1,413.55
Taxation	48.33	37.87	54.76	86.61	-8.63
- 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	48.33	37.87	54.76	86.61	-8.63
Profit After Tax	1,893.78	1,720.57	1,506.00	1,455.85	1,422.18
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	1,893.78	1,720.57	1,506.00	1,455.85	1,422.18
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	1,893.78	1,720.57	1,506.00	1,455.85	1,422.18
Information :
Total Employee Benefits (Information)	2,398.29	2,046.36	1,816.37	1,490.98	1,361.38
OperatingProfitAfterDepreciation	2,791.47	2,856.25	1,883.75	1,807.42	1,894.70
Operation Profit before Depreciation	2,791.47	2,856.25	1,883.75	1,807.42	1,894.70
Dividend Per Share	2.70	2.50	2.00	2.50	0.00
Dividend Percentage	27.00	25.00	20.00	25.00	0.00
Equity Dividend	270.40	250.22	200.07	250.02	0.00
Earning Per Share - Basic	18.92	17.19	15.06	14.56	14.22
Earning Per Share - Diluted	18.90	17.18	15.04	14.55	14.22
Weighted Average Shares - Basic	100.11	100.06	100.02	100.00	100.00
Weighted Average Shares - Diluted	100.19	100.14	100.10	100.04	100.04