IME Life Insurance Company Limited

Life InsuranceLow Cap

NPR 421.00

NPR -2.1-0.50%

09:14 AM NPT · Jun 26, 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

423.00

High

426.00

Low

420.00

Prev Close

423.10

Volume

12,328

Turnover

Rs 5,205,452.5

Txns

Valuation · Q3 FY25/26

EPS Ann.

9.81

EPS TTM

11.70

BVPS

116.41

P/E Ann.

42.92

P/E TTM

35.98

Graham #

160.30

Capital

Mkt Cap

21.05 Arab

Total

5.0 Crore

Public

1.5 Crore

Promoter

3.5 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

13.16

ADX

40.09

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

432.78

SMA 50

435.7

Bands & Channels

BB Width %

6.2%

Volume & Flow

OBV

-1,104,058

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

63,843

Shares Bought

Total Sell

63,843

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 39%

Distribution 61%

Accumulators

Quantity

22,800

Amount

9,623,357

Avg Rate

422.08

Rank

#10

Brokers

#21#57#42#19#74

Distributors

Quantity

36,084

Amount

15,221,002

Avg Rate

421.82

Rank

Brokers

#22#58#34

Net Flow Impact:

-13,284units

(Rs. -5,597,645)

Net Flow by Timeframe

ILI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 89,712 ]

Buy Side

Total: 39,463

Broker

QTY

AVG

NET

5,751

422.31

+4,603

9.0%

5,364

421.33

+5,057

8.4%

4,943

426.58

+3,450

7.7%

3,477

419.52

+2,981

5.5%

3,265

418.79

+3,058

5.1%

3,072

426.88

+2,942

4.8%

2,025

424.64

+939

3.2%

1,993

428.70

+789

3.1%

1,650

421.04

+570

2.6%

1,539

429.54

+1,457

2.4%

1,430

419.14

+798

2.2%

1,410

419.74

+727

2.2%

1,325

422.06

+1,287

2.1%

1,149

423.19

+63

1.8%

1,070

424.14

+974

1.7%

Sell Side

Total: 50,249

Broker

QTY

AVG

NET

22,246

420.04

-21,739

34.8%

9,351

422.39

-6,559

14.7%

5,119

426.79

-1,671

8.0%

4,487

429.45

-2,999

7.0%

1,670

421.41

-1,460

2.6%

1,571

423.86

-566

2.5%

1,034

418.93

-826

1.6%

871

419.25

-141

1.4%

790

423.88

-525

1.2%

760

429.03

-352

1.2%

579

426.91

-265

0.9%

538

428.81

-228

0.8%

466

424.58

-432

0.7%

464

426.73

-354

0.7%

303

424.93

-47

0.5%

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	440.1	-2.88	-0.65%	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	447.5	-0.72	-0.16%	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	1,198.9	+34.92	+3%	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	1,167	-7.04	-0.6%	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	328.9	-2.09	-0.63%	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	804.9	+0.96	+0.12%	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	747.5	+2.53	+0.34%	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	567.1	+1.08	+0.19%	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	455.3	-2.89	-0.63%	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	451	-0.99	-0.22%	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	423	+0.38	+0.09%	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	438	-0.48	-0.11%	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	383	-1.81	-0.47%	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	604.02	1.61	0.02%	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	451	-0.72	-0.16%	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	1,198.9	34.92	3%	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	328.9	-7.04	-0.65%	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%