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Carta Circular 54 de 2025 SF

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CARTA CIRCULAR 54 DE 2025

(octubre 3)

Boletín Ministerio de Hacienda, Capítulo Superintendencia Financiera de Colombia, No. 785 de 3 de octubre de 2025

SUPERINTENDENCIA FINANCIERA

SeñoresRepresentantes legales de las entidades aseguradoras
Referencia: Tasa de mercado de referencia

Apreciados señores:

Conforme a la reglamentación relacionada con el régimen de las reservas técnicas de las entidades aseguradoras establecido por el Decreto 2555 de 2010, modificado por el Decreto 2973 de 2013, así como las Circulares Externas 040 de 2017 y 032 de 2019, y de acuerdo con el documento técnico publicado el 27 de diciembre de 2017, esta Superintendencia informa los vectores de TMR (Tasa de mercado de referencia) y de inflación implícita que corresponden al corte del 30 de septiembre de 2025, como insumo para el cálculo de la reserva matemática y la reserva por insuficiencia de activos de las entidades aseguradoras.

Se anexa la tabla con las tasas e inflaciones implícitas correspondientes.

Cordialmente,

FRANCISCO JAVIER DUQUE SANDOVAL

Director de Investigación, Innovación y Desarrollo 50000

ANEXO.

TASA DE MERCADO DE REFERENCIA.

FECHA DE CORTE30/9/2025
DD/MM/AAA
PLAZO
(Años)		INFLACIÓN IMPLÍCITA  TMR
10.038285915921925610.049766292846094594
20.039768377519540040.05627377694698865
30.043137920666633980.05905615981185745
40.0462319144745331340.060296632014654905
50.0488147531870497460.060817864259910114
60.050937644331349160.0609898456920728
70.0526840702601120840.06099183323787797
80.054129339598524550.06091355680918617
90.055334956040609050.06080053153977374
100.056349524289441440.060676079497430924
110.05721097224152220.060551949412125466
120.0579488052218260360.06043366465527012
130.0585860284291363150.06032377898540232
140.0591406739357786950.06022301193908985
150.059626973416758920.06013126836570263
160.0600562452373582660.06004799460379452
170.0604375621454974960.05997247495598823
180.060778254238634520.05990399897951086
190.061084289383691820.05984179916682884
200.061360562621619470.059785158107873354
210.061611117803890780.059733485311874716
220.061839318525606240.05968617384190894
230.062047980892982040.059642821464416955
240.0622394773724991860.059602952421726384
250.062415818579129440.059563329639682736
260.06045695967973610.0595233064212321
270.060600819104651430.0594832013430069
280.0607344735193658740.05944311181321335
290.06085896542497550.05940322154202226
300.035845279320402330.05931946959395139
310.0299999999999812530.05918157025748315
320.0299999999999812530.05899607856269566
330.0299999999999812530.058769986601270745
340.0299999999999812530.0585096491802205
350.0299999999999812530.05822060018528525
360.0299999999999812530.05790769118658989
370.0299999999999812530.05757528788625499
380.0299999999999812530.057227192759229994
390.0299999999999812530.05686689513743137
400.0299999999999812530.05649721633246606
410.0299999999999812530.05612081715691658
420.0299999999999812530.055739901700955344
430.0299999999999812530.05535645110027983
440.0299999999999812530.05497218761328695
450.0299999999999812530.0545885359337972
460.0299999999999812530.05420671529248869
470.0299999999999812530.05382782920667803
480.0299999999999812530.05345268638646728
490.0299999999999812530.05308215295910254
500.0299999999999812530.05271676949730758
510.0299999999999812530.05235703299631908
520.0299999999999812530.05200334393759603
530.0299999999999812530.051656085237373556
540.0299999999999812530.051315433204994335
550.0299999999999812530.050981567295952976
560.0299999999999812530.05065461210434011
570.0299999999999812530.05033471169891823
580.0299999999999812530.050021836399993136
590.0299999999999812530.04971598875369676
600.0299999999999812530.049417075453259136
PLAZO
(años)		INFLACIÓN IMPLÍCITATMR
610.0299999999999812530.04912517861670638
620.0299999999999812530.04884015982376287
630.0299999999999812530.048561863641810345
640.0299999999999812530.04829018736480033
650.0299999999999812530.048025083683479866
660.0299999999999812530.04776642966674978
670.0299999999999812530.047513962095890455
680.0299999999999812530.04726767918900589
690.0299999999999812530.04702737541566396
700.0299999999999812530.046792909431440384
710.0299999999999812530.04656407182540868
720.0299999999999812530.0463407860373125
730.0299999999999812530.04612290913181738
740.0299999999999812530.045910232448158866
750.0299999999999812530.04570268214135367
760.0299999999999812530.045499986295900643
770.0299999999999812530.045302141957831304
780.0299999999999812530.045109015429482605
790.0299999999999812530.04492034250331971
800.0299999999999812530.04473606197663448
810.0299999999999812530.044556049121206205
820.0299999999999812530.044380115781082946
830.0299999999999812530.04420821043750943
840.0299999999999812530.04404021824590698
850.0299999999999812530.04387602771592854
860.0299999999999812530.04371539737163875
870.0299999999999812530.04355842239507937
880.0299999999999812530.043404801256065745
890.0299999999999812530.04325456899729717
900.0299999999999812530.04310749717689541
910.0299999999999812530.04296362713690052
920.0299999999999812530.04282280326589974
930.0299999999999812530.04268493959050952
940.0299999999999812530.04254995303018305
950.0299999999999812530.042417763316335205
960.0299999999999812530.042288226243266856
970.0299999999999812530.04216133358495218
980.0299999999999812530.042037013011618836
990.0299999999999812530.041915194673263066
1000.0299999999999812530.041795744450552404
1010.0299999999999812530.04167866387343024
1020.0299999999999812530.041563823374386716
1030.0299999999999812530.04145122887662635
1040.0299999999999812530.04134075505062171
1050.0299999999999812530.041232411905906916
1060.0299999999999812530.04112607805150103
1070.0299999999999812530.04102170062507386
1080.0299999999999812530.040919295224234195
1090.0299999999999812530.04081874583995338
1100.0299999999999812530.040720004792172894
1110.0299999999999812530.04062302600089129
1120.0299999999999812530.040527764926082045
1130.0299999999999812530.04043424517639854
1140.0299999999999812530.040342358453308795
1150.0299999999999812530.04025206449729114
1160.0299999999999812530.04016325770270337
1170.0299999999999812530.04007603373461931
1180.0299999999999812530.039990289480910185
1190.0299999999999812530.03990598967284683
1200.0299999999999812530.039823100174175084
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Disposiciones analizadas por Avance Jurídico Casa Editorial Ltda.
Centro Normativo Keralty
n.d.
Última actualización: 30 de diciembre de 2025

 

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