Life Insurance Corporation (Nepal) Limited

Life InsuranceHigh Cap

NPR 804.90

NPR +1+0.12%

09:12 AM NPT · Jun 26, 2026

Est. January 4, 2001 · Heritage Plaza-1, 2nd Floor, Kamaladi, Kathmandu · CEO: Santosh Prasai

Established on January 4, 2001, the company has grown into one of Nepal’s leading life-insurance institutions, committed to delivering reliable financial security and long-term value for individuals, families, and communities nationwide. Guided by the leadership of CEO Santosh Prasai, the organization operates with a strong foundation of trust, transparency, and customer-centric service. With a workforce of more than 6,074 employees, the company manages extensive operations across Nepal, offering a comprehensive suite of life-insurance products designed to meet diverse financial needs. Its portfolio includes whole life insurance, term insurance, endowment plans, savings and investment-linked policies, retirement solutions, child-education plans, and micro-insurance programs aimed at expanding financial inclusion. Headquartered at Heritage Plaza-1, 2nd Floor, Kamaladi, Kathmandu, the company is dedicated to enhancing the quality of life through responsible financial protection. It prioritizes innovation, operational excellence, prudent fund management, and adherence to the regulatory frameworks under Nepal’s Insurance Act and Insurance Regulation. Driven by a mission to secure the future of every policyholder, the company continues to strengthen its service delivery, expand awareness of life insurance, and contribute meaningfully to Nepal’s economic development. Through disciplined investment practices, ethical business conduct, and a commitment to national priorities, the company stands as a trusted partner in long-term financial security and societal progress.

www.licnepal.com.np/facebook

Trading

Open

791.10

High

807.00

Low

791.10

Prev Close

803.90

Volume

6,708

Turnover

Rs 5,378,901.9

Txns

Valuation · Q3 FY25/26

EPS Ann.

7.77

EPS TTM

7.28

BVPS

160.81

P/E Ann.

103.59

P/E TTM

110.56

Graham #

167.67

Capital

Mkt Cap

44.27 Arab

Total

5.5 Crore

Public

1.65 Crore

Promoter

3.85 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

36.81

ADX

57.01

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

810.35

SMA 50

813.39

Bands & Channels

BB Width %

2.79%

Volume & Flow

OBV

431,355

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

49,894

Shares Bought

Total Sell

49,894

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 59%

Distribution 41%

Accumulators

Quantity

23,297

Amount

18,635,844

Avg Rate

799.92

Rank

Brokers

#57#50#26#28

Distributors

Quantity

16,313

Amount

13,021,349

Avg Rate

798.22

Rank

Brokers

#71#58#49

Net Flow Impact:

+6,984units

(Rs. 5,614,496)

Net Flow by Timeframe

LICN — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 78,698 ]

Buy Side

Total: 36,984

Broker

QTY

AVG

NET

12,087

799.53

+11,862

24.2%

4,547

800.29

+4,547

9.1%

4,163

803.55

+3,412

8.3%

3,050

800.48

+2,166

6.1%

2,500

795.12

+2,321

5.0%

1,800

798.43

+1,514

3.6%

1,674

794.57

+1,174

3.4%

1,211

800.24

+1,011

2.4%

1,115

801.14

+732

2.2%

1,000

800.10

+1,000

2.0%

1,000

789.80

+1,000

2.0%

878

800.47

+818

1.8%

750

798.74

+352

1.5%

610

793.05

+446

1.2%

599

791.83

+599

1.2%

Sell Side

Total: 41,714

Broker

QTY

AVG

NET

7,325

793.50

-7,325

14.7%

4,802

803.46

-4,338

9.6%

4,186

800.46

-3,350

8.4%

3,652

800.12

-2,322

7.3%

3,603

801.30

-2,936

7.2%

3,510

800.22

-1,435

7.0%

2,902

802.99

-2,802

5.8%

2,773

802.27

-1,473

5.6%

1,993

791.39

-1,393

4.0%

1,800

802.04

-1,600

3.6%

1,344

798.18

-1,306

2.7%

1,159

803.98

-1,049

2.3%

1,013

792.15

-243

2.0%

1,000

790.66

-1,000

2.0%

652

798.11

-652

1.3%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Goodwill & Intangible Assets	24.30	89.91	153.53	0	-72.97%
Property and Equipment	355,275	392,072	234,531	0	-9.39%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	22,939	0	5,627	0	-
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	129,127,562	114,009,384	97,494,742	0	+13.26%
Loans	20,513,005	21,937,311	22,354,169	0	-6.49%
Reinsurance Assets	0.00	0.00	0.00	0	-
Current Tax Assets	0.00	0.00	306610.14	0	-
Insurance Receivables	11,378	12,678	22,980	0	-10.25%
Insurance Payable	43,288	114,490	47,800	0	-62.19%
Other Financial Assets	3,520,628	3,362,337	3,243,870	0	+4.71%
Other Assets	49,098	10,300	14,318	0	+376.71%
Cash and Cash Equivalent	1,681,438	1,857,534	269,503	0	-9.48%
Total Assets	155,281,347	141,581,706	123,946,503	0	+9.68%
Equity
Share Capital	5,500,000	5,000,000	2,653,200	0	+10.00%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	498,013	498,013	61,152	0	0.00%
Catastrophe Reserves	765,024	677,684	530,876	0	+12.89%
Retained Earnings	2,579,601	3,373,965	2,079,482	0	-23.54%
Other Equity	363,411	398,912	78,017	0	-8.90%
Total Equity	9,706,048	9,948,573	5,402,727	0	-2.44%
Liabilities
Insurance & Contract Liabilities
Provisions	166,043	113,252	588,034	0	+46.61%
Gross Insurance Contract Liabilities	144,482,077	130,520,190	117,375,117	0	+10.70%
Other Financial Liabilities	454,135	537,392	360,789	0	-15.49%
Other Liabilities	334,247	297,349	172,036	0	+12.41%
Taxes & Funding
Deferred Tax Liabilities	0.00	39417.17	0.00	0	-100.00%
Current Tax Liabilities	95,510	11,043	0	0	+764.89%
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	145,575,300	131,633,133	118,543,775	0	+10.59%
Total Equity and Liabilities	155,281,347	141,581,706	123,946,503	0	+9.68%

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%
ILI	421	-2.12	-0.5%	0.02	0.37	116.41	107.54	8.7	3.11	9.81	11.7	175.06	4.86	91.5	7.34	6	5.11	45.46	109.78	37.74	4.85	97.15	2.2	2.63%	8.55	10.19%
JLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
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	574.48	1.38	-0.03%	0.03	0.326	114.91	113.33	9.03	6.6	7.6	7.56	137.49	4.67	96.91	7.39	4.27	7.478	144.88	56.166	104.545	9.178	94.44	1.42	1.69%	6.73	6.77%
MED	447.5	-0.99	-0.22%	0.02	0.31	116.41	111.91	9.21	4.4	8.79	7.59	142.76	4.86	94.03	7.34	3.56	5.41	53.4	50.84	57.03	4.1	96.74	1.65	1.48%	8.04	6.57%
MAX	1,198.9	34.92	3%	0.07	0.49	124.53	131.55	10.2	23.87	12.07	11.7	175.06	6.36	121.52	14.78	8.53	20.04	605.75	109.78	387.19	38.38	98.92	2.76	4.29%	10.35	11.1%
MIN	328.9	-7.04	-0.65%	0.01	0.24	104.39	83.78	7.45	0.47	2.15	3.24	88.26	1.11	59.79	2.58	0.86	4.14	38.61	4.26	37.74	1.88	75.86	0.21	0.15%	2.05	3.1%