SBI Life Insurance Financial Statements

SBI Life Insurance (SBILIFE) reported revenue of ₹19.46B in FY2020 with net income of ₹14.22B. Total assets stood at ₹1,655.80B and free cash flow was ₹192.18B.

SBI Life Insurance Income Statement

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FY 2017 – FY 2020

Item	Chart	2017	2018	2019	2020
Total Revenue		10.64B	12.93B	15.18B	19.46B
Interest Exp. Interest Expense		0	0	0	0
SGA Sales, General & Admin		-127.68M	-157.55M	-98.36M	-249.39M
Emp. Salary Employee Salary		-4.38M	-3.80M	-4.48M	-5.37M
Total Expenses		-897.62M	-1.08B	-1.45B	-5.33B
PBT Profit Before Tax		9.75B	11.84B	13.73B	14.14B
Net Income		9.55B	11.50B	13.27B	14.22B
Dil. Shares Diluted Shares		1.00B	1.00B	1.00B	1.00B
Diluted EPS		9.55	11.50	13.26	14.22

Figures in ₹ — millions (M), billions (B), trillions (T). EPS is earnings per share.

Understanding the Income Statement

The income statement shows SBI Life Insurance's revenue and expenses over a period. Revenue minus costs gives gross profit; after operating expenses, interest, and taxes, the remainder is net income. Diluted EPS divides net income by all shares that could exist if options and convertibles were exercised.

SBI Life Insurance Balance Sheet

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FY 2017 – FY 2020

Item	Chart	2017	2018	2019	2020
Curr. assets Total current assets		56.93B	65.21B	66.41B	58.21B
Non-curr. assets Total non-current assets		965.47B	1,151.88B	1,400.92B	1,597.59B
Total assets		1,022.40B	1,217.09B	1,467.34B	1,655.80B
Curr. liabilities Total current liabilities		30.14B	35.53B	37.36B	30.22B
Non-curr. liab. Total non-current liabilities		936.73B	1,116.28B	1,354.21B	1,538.15B
Total liabilities		966.87B	1,151.81B	1,391.57B	1,568.37B
Total equity		55.52B	65.28B	75.76B	87.43B
Total liab. & eq. Total liabilities & equity		1,022.40B	1,217.09B	1,467.34B	1,655.80B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding the Balance Sheet

The balance sheet captures SBI Life Insurance's financial position at a point in time — what it owns (assets), what it owes (liabilities), and the residual value to shareholders (equity). Total assets always equals total liabilities plus equity.

SBI Life Insurance Cash Flow Statement

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FY 2017 – FY 2020

Item	Chart	2017	2018	2019	2020
Net Income		214.97B	257.25B	335.22B	410.37B
Operating CF Cash flow Operating Activities		85.25B	103.94B	134.73B	192.99B
Capex Investments in PPE		-1.48B	-1.07B	-1.42B	-809.93M
Investing CF Cash flow Investing Activities		-90.31B	-89.10B	-135.53B	-169.87B
Dividend Paid		-1.44B	-2.21B	-2.41B	-2.00B
Financing CF Cash flow Financing Activities		-1.44B	-2.21B	-2.41B	-1.98B
Cash (start) Cash at beginning of period		38.08B	31.57B	44.05B	40.84B
Cash (end) Cash at end of period		31.57B	44.20B	40.84B	61.98B
FCF Free Cash Flow		83.77B	102.86B	133.30B	192.18B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding Cash Flow

The cash flow statement tracks how SBI Life Insurance's cash moves through operations, investing, and financing activities. Free cash flow — operating cash minus capital expenditure — shows what is available to return to shareholders.

Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: Mar-2020