Founded in 2001, SBI Life Insurance has emerged as one of India’s most trusted and leading private life insurance providers, built on the shared values of trust, transparency and financial empowerment. With the backing of a strong promoter, the State Bank of India (SBI), our journey is deeply rooted in India’s social and economic fabric.
Solvency Ratio
Net Worth
Total Cost Ratio
AUM Growth
with healthy internal accruals
Opex Ratio
VoNB Margin
Embedded Value
Profit After Tax
Every dream, big or small,
deserves a chance. At SBI
Life, we see our role not
just as insurers but as
enablers, standing by every
Indian, every step of the
way. 
It is not the calm seas that define SBI Life;
how we navigate the
waves of change is what sets us apart.
₹ 169.8 bn Networth
₹ 4,480.4 bn AUM
₹ 702.5 billion Embedded Value (EV)
₹ 59.5 billion Value of New Business (VoNB)
15.1% Return on Equity (RoE)
20.2% Return on Embedded Value (RoEV)
Sustained profitability backed by robust cashflows
Continued delivery of superior value to shareholders
Strengthened financial position enabling long-term growth
1,110 Offices
41,000+ Partner branches
₹ 1,006.2 mn Spent on infrastructure through capex (furniture and fittings, office equipment, leasehold improvements etc.)
2.2 million new policies issued
25.5 million new lives covered
13th Month Persistency: 87.4%
61st Month Persistency: 62.7%
Wider market reach through a growing, diversified distribution network
Launch of innovative, customer-centric products tailored to evolving needs
Enhanced accessibility and service delivery across geographies
₹ 426 mn Investment in technology
₹ 138.5 mn Investment in software
Enterprise risk management framework
Strong investment framework
97% renewals collected digitally
98.7% individual policies sourced digitally
345 Robotic Process Automation (RPA) bots deployed
170 e-training modules created
Accelerated adoption of digital platforms for sales and servicing
Increased engagement and conversion through online journeys
Positive traction for new digital-led initiatives and campaigns
26,355 Employees
₹ 358.2 mn Spent on employee training
Employee Engagement Initiatives
₹ 3.4 crore revenue generated per employee
22.5% women employees (up from 21% in FY24)
Avg. training hours per employee: ~49 hours classroom + ~12 hours digital
83.84% Employee Retention rate
Reinforced brand as a trusted and aspirational employer
Strong focus on employee engagement and workplace culture
Improved retention and career development across roles
31 CSR partners
₹ 146 mn CSR spend on education, ₹ 36 mn on healthcare and ₹ 17 mn spend on environment
Insurance awareness aligning with Government's vision ‘Insurance for all by 2047'
309K+ Distributors
52.3 million lives covered under PMJJBY
82 Net Promoter Score
53,000+ CSR beneficiaries
652k+ new policies issued in rural areas
Deeper trust and long-term engagement with customers and communities
Continued alignment with regulatory bodies and distribution partners
Customer-first approach driving loyalty and satisfaction
ESG framework implemented
Scope 1, 2 and 3 emissions tracking initiated
Responsible investment strategy and framework
Decarbonisation strategy
4,108.54 MTCO2e Scope 1 emissions
16,384.35 MTCO2e Scope 2 emissions
3,367 kgs of E-waste disposed through green channels with zero emissions
5,981 kgs of waste recycled
Active steps toward reducing environmental footprint across operations
Ongoing efforts to promote awareness of natural capital conservation
Integration of sustainability into internal culture and external partnerships
KPIs
Solvency Ratio
21%)Embedded value
Operating return on embedded value
21%)Profit after Tax
7%)Profit after Tax
15%)Assets under Management
KPIs
New Branches Added
New Products Launched
Network in Rural/ Semi-Urban
Total Offices
In-Force Lives Covered
New Individual Policies Issued
KPIs
Digital adoption for sourcing new business
of renewal premium collected digitally
Chatbot queries resolved
Customer email enquiries handled by bot
Deployed across 2,394 tasks
of individual policies issued within 0-2 days
KPIs
New hires
18.2%)Women employees
22.4%)Women in sales roles
125%)Employees attained functional and technical qualifications
KPIs
Death claim settlement ratio (individual and group)
Claims paid to policyholders and beneficiaries
New lives covered in FY25
KPIs
Energy Intensity per rupee of turnover
Energy Intensity per rupee of turnover adjusted for PPP
GHG emissions
At SBI Life, enabling the dreams of every Indian begins with a strong foundation of trust and responsibility.
Amid evolving customer expectations and rapid digital disruption, our strategy remains firmly aligned with our purpose of supporting every Indian’s dream of staying secure and protected.
Amid global uncertainties, from trade tensions to geopolitical shifts, India has continued to chart a resilient growth path, emerging as the world’s fourth-largest economy in 2025.
Our stakeholders, from customers and employees to communities and regulators, play a central role in helping us realise this vision.
Supporting the dreams of every Indian begins with understanding what holds real significance for our stakeholders and our business.
For 25 years, our approach to risk management has gone beyond safeguarding the Company. It has protected the dreams and aspirations of millions of Indians who place their trust in us.
SBI Life was recognised as the ‘Best Life Insurance – Large Category’ at the prestigious Mint BFSI Summit 2024
SBI Life has won the ‘Best Life Insurance Company – India’ at the ICC Emerging Asia Conclave & Awards 2025
SBI Life has been awarded as the ‘Amiable Insurer in the Life Insurance – Large Category of the Year 2024’ at the 11th edition of ET Now Insurance Summit and Awards 2024
SBI Life has been awarded as the 'Smart Insurer in the Life Insurance – Large Category of the Year 2024' at the 11th edition of ET Now Insurance Summit and Awards 2024
SBI Life has been recognised among India’s Top 500 Value Creators 2024, organised by Dun & Bradstreet
SBI Life won the IMC RBNQA MQH Best Practices Award for 'OnboardX' - Reengineering & Transformation of Agency Onboarding Process Using Intelligent Integration of Emerging Technologies
SBI Life won the 'Best AI-Powered Conversational Analytics Platform' at the 2nd Edition of Data Analytics and AI Show 2025
SBI Life has been awarded for its ‘Digital Transformation of the Verification Process Towards Customer Centricity’ in the ‘Customer & Market Focus’ category at the 10th International Best Practice Competition 2024
SBI Life have been rewarded with the 'Best Risk Management Strategy – India' at the ICC Emerging Asia Conclave & Awards 2025
SBI Life ranked 5th for its exceptional performance in the Financial Services and Insurance Sector based on BRSR Report for FY24, announced at BW Businessworld's India’s Most Sustainable Companies
SBI Life Won 'India CSR Leadership Award 2024 - Large Impact' for a project - 'Holistic Development of Children and Employability Enhancement of Young Adults Affected by Leprosy
SBI Life won an award under the sub-category ‘Most Effective 360-Degree Marketing Campaign’ by Pitch BFSI Marketing Awards 2024 for Thanks A Dot Breast Cancer Awareness Initiative
SBI Life won a CSR Award under the category 'Doing Good Through Business For Education' at the prestigious Doing Good For Bharat Awards 2024
SBI Life won an award under the sub-category ‘Most effective Content Marketing Strategy’ by Pitch BFSI Marketing Awards 2024
SBI Life embarked on a journey fuelled by a simple yet powerful promise, to protect and empower lives across India.
The strongest connections are built not just on conversation, but on understanding.
SBI Life, in partnership with the Women’s Cancer Initiative at Tata Memorial Hospital, continued its mission to promote regular self-breast examinations through the initiative “Thanks A Dot”
A father's role goes beyond providing. They guide, mentor, and stand by us reassuring Papa Hain Na.
SBI Life IdeationX marked a significant milestone in the company’s strategic innovation journey, aimed at deepening engagement with the next generation of consumers and leaders.
In 2024, SBI Life proudly partnered with the Indian Paralympics Team, reinforcing its commitment not just to financial protection, but to empowering human potential in its most inspiring form
In India, cricket is a part of everyday life and for many an emotion. As the official partner of BCCI, SBI Life’s initiative, Beyond the Boundary, a story telling event, turned its attention to the fans.
