SBI Life Insurance Company reported a marginal decline in standalone profit to ₹805 crore for the fourth quarter, reflecting a 1% decrease compared to the same period last year. Despite this, the company achieved a 16% increase in net premium income, reaching ₹27,684 crore. SBI Life retained its leadership in the private insurance market with a 25.5% share in Individual New Business Premium and a 22.9% share in Individual Rated Premium. The annualized premium equivalent (APE) rose by 13% to ₹24,270 crore, while the Individual New Business Sum Assured surged 61% to ₹4.46 lakh crore, indicating strong demand for protection-oriented products. Persistency ratios improved, with 13-month and 49-month persistency increasing by 53 basis points and 107 basis points, respectively. The Value of New Business (VoNB) stood at ₹6,670 crore, marking a 12% year-on-year growth, with margins at 27.5%. The company's embedded value grew by 15% to ₹80,790 crore, and assets under management increased by 9% to ₹4.9 lakh crore. MD and CEO Amit Jhingran attributed the growth to regulatory measures and a focus on protection products, emphasizing the company's commitment to enhancing insurance penetration and delivering long-term value.