IME Life Insurance Company Limited

Life InsuranceMid Cap

NPR 413.00

NPR +3+0.73%

09:13 AM NPT · Aug 12, 2026

Est. October 1, 2008 · Kathmandu, Nepal · CEO: Pawan Kumar Khadka

IME Life Insurance Company Limited, registered on Aswin 15, 2065 (October 1, 2008) and operational since Bhadra 1, 2074 (August 17, 2017), is one of Nepal’s fast-growing life insurers committed to providing protection, savings, and investment-oriented insurance solutions. Established with an authorized capital of NPR 6 billion and a paid-up capital of NPR 5 billion, the company maintains a strong shareholder base, with 70% promoter ownership and 30% public ownership. Promoted by the renowned IME Group, the company benefits from the group’s extensive nationwide infrastructure, including 6,000+ IME Centers and remittance agents, giving IME Life one of the widest customer access networks in the insurance sector. Through agency channels, corporate partnerships, bancassurance, and direct servicing, IME Life continues to expand its footprint rapidly across Nepal. Dedicated to offering international-standard, technology-driven services, the company emphasizes smooth underwriting, hassle-free claims settlement, and customer-friendly insurance solutions. IME Life focuses on enhancing financial security among Nepali citizens through increased life insurance awareness and professional service excellence. With a strong commitment to corporate governance, operational efficiency, and strategic partner development, IME Life Insurance Company Ltd. aims to play a crucial role in expanding insurance penetration and supporting Nepal’s long-term socio-economic development.

imelifeinsurance.com/facebook linkedin

Trading

Open

407.00

High

414.00

Low

407.00

Prev Close

410.00

Volume

3,607

Turnover

Rs 1,482,472.9

Txns

Valuation · Q3 FY25/26

EPS Ann.

9.81

EPS TTM

11.70

BVPS

116.41

P/E Ann.

42.10

P/E TTM

35.30

Graham #

160.30

Capital

Mkt Cap

20.65 Arab

Total

5.0 Crore

Public

1.5 Crore

Promoter

3.5 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

26.19

ADX

29.41

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

417.31

SMA 50

422.36

Bands & Channels

BB Width %

6.74%

Volume & Flow

OBV

-1,167,037

Flow Analysis

[ Live 2026-08-11 ]

Total Buy

40,494

Shares Bought

Total Sell

40,494

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 38%

Distribution 62%

Accumulators

Quantity

9,446

Amount

3,896,553

Avg Rate

412.51

Rank

#14

Brokers

#37#42#22#41

Distributors

Quantity

15,533

Amount

6,426,051

Avg Rate

413.70

Rank

#14

Brokers

#49#47#26#51

Net Flow Impact:

-6,087units

(Rs. -2,529,498)

Net Flow by Timeframe

ILI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 49,867 ]

Buy Side

Total: 23,883

Broker

QTY

AVG

NET

4,414

411.70

+238

10.9%

3,458

411.82

+1,916

8.5%

3,055

412.41

+2,881

7.5%

2,972

410.17

+317

7.3%

1,662

414.66

+1,438

4.1%

1,296

410.92

+906

3.2%

1,271

411.81

+1,108

3.1%

1,090

409.81

+265

2.7%

1,060

412.43

+1,036

2.6%

666

412.32

+412

1.6%

647

409.35

+175

1.6%

600

410.67

+540

1.5%

575

411.93

+61

1.4%

568

412.25

+484

1.4%

549

413.14

+391

1.4%

Sell Side

Total: 25,984

Broker

QTY

AVG

NET

7,231

417.72

-2,008

17.9%

3,947

410.22

-2,785

9.8%

2,647

411.01

-1,785

6.5%

2,283

410.53

-2,283

5.6%

2,072

409.81

-2,058

5.1%

1,611

410.60

-1,573

4.0%

1,550

414.02

-840

3.8%

1,051

411.59

-728

2.6%

783

414.06

-559

1.9%

637

412.60

-18

1.6%

561

414.79

-325

1.4%

483

414.26

-334

1.2%

473

414.33

-428

1.2%

337

410.67

-160

0.8%

318

410.98

-130

0.8%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Goodwill & Intangible Assets	9,449	6,830	8,280	0	+38.36%
Property and Equipment	173,899	182,738	181,077	0	-4.84%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	232,590	542,920	563,224	0	-57.16%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	20,753,688	16,691,854	14,418,230	0	+24.33%
Loans	1,278,463	945,453	697,269	0	+35.22%
Reinsurance Assets	32,402	0	0	0	-
Current Tax Assets	554,480	426,892	304,026	0	+29.89%
Insurance Receivables	0.00	0.00	0.00	0	-
Insurance Payable	29,057	28,953	119,026	0	+0.36%
Other Financial Assets	97,147	545,964	334,446	0	-82.21%
Other Assets	26,182	23,169	21,846	0	+13.00%
Cash and Cash Equivalent	1,535,321	356,408	333,012	0	+330.78%
Total Assets	24,693,621	19,722,228	16,861,410	0	+25.21%
Equity
Share Capital	5,000,000	5,000,000	4,000,000	0	0.00%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	523,817	523,817	1,525,837	0	0.00%
Catastrophe Reserves	299,596	229,884	159,108	0	+30.32%
Retained Earnings	520,845	425,617	859,247	0	+22.37%
Other Equity	230,220	454,213	545,980	0	-49.31%
Total Equity	6,574,477	6,633,530	7,090,171	0	-0.89%
Liabilities
Insurance & Contract Liabilities
Provisions	57,866	31,317	24,528	0	+84.77%
Gross Insurance Contract Liabilities	17,467,191	12,559,841	8,906,729	0	+39.07%
Other Financial Liabilities	411,423	321,551	442,157	0	+27.95%
Other Liabilities	153,607	147,036	278,799	0	+4.47%
Taxes & Funding
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	18,119,145	13,088,698	9,771,239	0	+38.43%
Total Equity and Liabilities	24,693,621	19,722,228	16,861,410	0	+25.21%

Sector Peers — Life Insurance (21)

Peer Comparison

Life Insurance SECTOR — NEPAL

2025/2026 Q3

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	Book Value Per Share	Combined Expense Ratio	Commission Expense Ratio	Debt to Equity	EPS (Annualized)	EPS (TTM)	Graham's Number	Investment Yield	Loss Ratio	Management Expense Ratio	Net Profit Margin	P/B	P/E (Annualized)	PEG	P/E (TTM)	P/S	Retained Risk	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ALICL	418	-2.02	-0.48%	0.02	0.24	120.79	123.54	8.21	9	9.26	8.44	151.45	4.62	110.88	4.45	3.45	5.12	50.09	-	54.38	3.07	98.16	0.8	0.74%	8.95	8.16%
CLI	432	-5.2	-1.19%	0.02	0.35	114.75	113.74	9.46	4.4	9.6	8.55	148.58	5.32	98.88	5.4	4.75	5.41	48.54	76.97	54.44	4.1	95.55	1.65	1.48%	8.04	7.16%
CREST	1,185	-2.97	-0.25%	0.01	0.45	106.86	83.78	9.21	0.47	2.15	3.24	88.26	6.36	59.79	14.78	3.32	16.08	599.53	38.98	387.19	35.39	75.86	1.49	2.25%	2.05	3.1%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GMLI	1,095	-8.05	-0.73%	0.01	0.49	104.39	106.46	8.84	0.59	2.59	6.31	121.74	5.25	85.46	12.16	3.56	20.04	605.75	-	210.62	38.38	84.53	1.76	4.29%	2.49	6.08%
HLI	317	-0.99	-0.31%	0.03	0.25	116.41	127.37	8.06	8.51	3.81	3.68	98.18	4.63	113.15	6.16	1.5	4.14	94.78	-	92.91	2.54	97.49	0.36	0.35%	3.25	3.14%
JLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LICN	772	+2	+0.26%	0.04	0.22	160.81	144.74	7.1	16.46	7.77	7.28	162.3	5.62	134.77	2.87	1.31	6.88	106.82	4.47	112.36	2.5	99.52	0.28	0.26%	4.77	4.47%
NLIC	738.8	+0.81	+0.11%	0.07	0.26	124.53	131.55	7.45	23.87	6.4	4.28	109.51	5.1	121.52	2.58	0.86	8.35	121.88	-	179.35	1.88	98.92	0.21	0.15%	5.19	3.47%
NLICL	565	-1.98	-0.35%	0.03	0.27	122.4	121.15	10.2	15.22	9.76	7.4	142.76	1.11	107.7	3.25	1.97	6.47	60.86	-	80.41	2.13	97.58	0.52	0.39%	8.13	6.17%
PLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PLIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PMLI	432.9	-3.1	-0.71%	0.02	0.31	108.87	111.9	9.54	3.11	6.91	7.07	131.6	4.07	93.97	8.39	5.43	5.9	69.75	-	68.03	6.74	96.26	1.68	1.72%	6.43	6.57%
RLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
RNLI	421.5	-1.4	-0.33%	0.02	0.32	118.47	109.07	9.69	2.73	12.07	11.06	171.7	5.04	91.24	8.14	8.53	5.24	38.61	-	42.9	5.86	94.45	2.76	2.53%	10.35	9.48%
SJLIC	412	+2.99	+0.73%	0.02	0.3	119.69	123.71	8.59	8.31	8.79	7.68	143.81	5.42	108.57	6.55	2.84	4.96	50.63	4.26	57.03	2.56	98.51	0.85	0.74%	7.44	6.5%
SLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SNLI	409	-3.01	-0.73%	0.02	0.31	110.22	101.54	9.31	2.09	8.58	11.33	167.62	4.51	83.09	9.14	8.15	5.54	53.4	-	40.07	7.74	96.47	2.51	3.31%	8.4	11.1%
SRLI	370	0	0%	0.02	0.32	110.06	111.91	10.17	4.43	9.06	7.59	137.1	4.42	94.03	7.71	5.19	4.85	44.17	50.84	54.02	4.08	96.74	1.65	1.38%	8.25	6.92%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	582.17	-1.76	-0.31%	0.03	0.315	118.33	116.19	8.91	7.63	7.44	7.22	136.51	4.73	100.23	7.04	3.91	7.614	149.6	35.104	110.285	8.998	94.62	1.27	1.51%	6.44	6.33%
MED	432	-1.98	-0.33%	0.02	0.31	116.41	113.74	9.21	4.43	8.58	7.4	142.76	5.04	98.88	6.55	3.45	5.54	60.86	38.98	68.03	4.08	96.74	1.49	1.38%	7.44	6.5%
MAX	1,185	2.99	0.73%	0.07	0.49	160.81	144.74	10.2	23.87	12.07	11.33	171.7	6.36	134.77	14.78	8.53	20.04	605.75	76.97	387.19	38.38	99.52	2.76	4.29%	10.35	11.1%
MIN	317	-8.05	-1.19%	0.01	0.22	104.39	83.78	7.1	0.47	2.15	3.24	88.26	1.11	59.79	2.58	0.86	4.14	38.61	4.26	40.07	1.88	75.86	0.21	0.15%	2.05	3.1%