CFO Scenario Planner

Model the value-creation levers on VNB, free surplus, solvency and equity value for SBI Life — then run an agentic, web-grounded stress-test that benchmarks the plan against live Indian life-insurer valuations (P/EV), VNB margins, IRDAI regulation and sector growth.

SBI Life Insurance Company Limited · FY26 (Mar'26, audited anchor)

India's #1 private life insurer by Individual NBP (25.5% private share) & IRP (22.9%)

29,344 employees · 1230+ own offices · 9 bancassurance partners

Scenarios

Pull the levers

Speed premium collection4d

One-time cash from faster collection+₹1.11k Cr cash

Extend claims & commission payables4d

One-time, on benefit & commission outflow — pay to terms+₹891.4 Cr cash

Shift mix to non-ULIP3pt

Shift ULIP APE to non-par / protection (~8pt VNB-margin premium)+₹58.2 Cr VNB

Capture new-business APE15%

of ₹24.27k Cr APE headroom → ₹3.64k Cr APE+₹910.1 Cr VNB

Operating / expense gains1pt

Expense leverage · EoM discipline · persistency+₹279.1 Cr VNB

New-business (VNB) multiple14x

Value of future new business — the agent benchmarks this vs Indian listed life insurers

The agent plans searches, queries DuckDuckGo for live life-insurer valuations (P/EV), VNB margins, IRDAI regulation and sector growth, then stress-tests your scenario against SBI Life's record and the market. Illustrative model on real FY26 baseline figures.

Equity value (market cap)

₹191.63k Cr+₹17.46k Cr

from ₹174.17k Cr · IEV + VNB × 14× (debt-free)

Cash freed

₹2.00k Cr

one-time · −4d collection, +4d payables

Baseline → scenariosolvency buffer 0.45x

Metric	Today		Scenario	Δ
GWP	₹101.29k Cr	→	₹104.93k Cr
VNB	₹6.67k Cr	→	₹7.92k Cr	+₹1.25k Cr
VNB margin	27.5%	→	28.4%	+0.9pt
Renewal mix	58%	→	58%
Free surplus	₹2.35k Cr	→	₹5.16k Cr	+₹2.81k Cr
Solvency	1.90x	→	1.95x	+0.05x
Appraisal value	₹174.17k Cr	→	₹191.63k Cr
Equity value (market cap)	₹174.17k Cr	→	₹191.63k Cr	+₹17.46k Cr

Solvency vs 1.50x floor

scenario 1.95xfloor 1.50x · today 1.90x