Life Insurance Corporation (Nepal) Limited

Life InsuranceHigh Cap

NPR 800.90

NPR +9+1.14%

09:06 AM NPT · Sep 24, 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

782.00

High

800.90

Low

782.00

Prev Close

791.90

Volume

11,909

Turnover

Rs 9,431,899.3

Txns

Valuation · Q4 FY25/26

EPS Ann.

7.38

EPS TTM

7.38

BVPS

162.36

P/E Ann.

108.52

P/E TTM

108.52

Graham #

164.19

Capital

Mkt Cap

44.05 Arab

Total

5.5 Crore

Public

1.65 Crore

Promoter

3.85 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

70.73

ADX

45.45

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

771.85

SMA 50

778.83

Bands & Channels

BB Width %

10.99%

Volume & Flow

OBV

614,864

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

105,297

Shares Bought

Total Sell

105,297

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

Quantity

36,890

Amount

29,914,018

Avg Rate

810.90

Rank

Brokers

#49#17#45#71

Distributors

Quantity

42,923

Amount

34,384,580

Avg Rate

801.08

Rank

Brokers

#96#57#25#62

Net Flow Impact:

-6,033units

(Rs. -4,470,562)

Net Flow by Timeframe

LICN — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 144,703 ]

Buy Side

Total: 70,021

Broker

QTY

AVG

NET

13,800

814.69

+12,909

13.1%

9,915

806.12

+8,958

9.4%

8,175

805.23

+6,188

7.8%

5,720

797.77

+4,940

5.4%

5,000

819.17

+5,000

4.8%

4,204

823.75

+310

4.0%

3,917

795.02

+3,917

3.7%

3,306

802.76

+765

3.1%

3,200

796.49

+1,156

3.0%

2,565

799.58

+1,535

2.4%

2,464

796.24

+877

2.3%

2,040

798.44

+1,912

1.9%

2,015

829.31

+1,835

1.9%

2,000

806.45

+1,905

1.9%

1,700

799.42

+1,700

1.6%

Sell Side

Total: 74,682

Broker

QTY

AVG

NET

13,500

792.60

-13,500

12.8%

13,177

795.92

-9,977

12.5%

11,471

813.34

-10,374

10.9%

4,775

809.82

-3,331

4.5%

3,867

808.49

-1,583

3.7%

3,858

820.74

-1,994

3.7%

3,850

812.17

-3,120

3.7%

3,683

799.02

-2,936

3.5%

3,629

801.58

-3,289

3.5%

3,050

821.08

-2,005

2.9%

3,037

820.81

-3,037

2.9%

1,944

815.21

-1,884

1.9%

1,715

810.46

-1,315

1.6%

1,614

820.44

-1,534

1.5%

1,512

819.34

-1,512

1.4%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Goodwill & Intangible Assets	0.00	48.60	107.76	0	-100.00%
Property and Equipment	349,287	392,421	448,976	0	-10.99%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	53,603	0	123,484	0	-
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	131,497,133	117,340,391	100,079,632	0	+12.06%
Loans	20,155,288	21,409,870	22,213,678	0	-5.86%
Reinsurance Assets	0.00	0.00	0.00	0	-
Current Tax Assets	68,513	147,105	269,548	0	-53.43%
Insurance Receivables	4,743	18,883	29,870	0	-74.88%
Insurance Payable	15,413	58,876	43,907	0	-73.82%
Other Financial Assets	3,635,045	3,403,222	3,263,233	0	+6.81%
Other Assets	6,171	1,020,895	8,655	0	-99.40%
Cash and Cash Equivalent	3,535,067	2,042,331	1,424,921	0	+73.09%
Total Assets	159,304,851	145,775,167	127,862,104	0	+9.28%
Equity
Share Capital	5,500,000	5,500,000	2,653,200	0	0.00%
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	773,555	680,803	585,449	0	+13.62%
Retained Earnings	2,656,119	2,990,823	2,580,199	0	-11.19%
Other Equity	355,064	641,365	350,628	0	-44.64%
Total Equity	9,782,750	10,311,004	6,230,628	0	-5.12%
Liabilities
Insurance & Contract Liabilities
Provisions	172,009	166,007	41,792	0	+3.62%
Gross Insurance Contract Liabilities	148,178,749	133,919,397	120,380,636	0	+10.65%
Other Financial Liabilities	697,872	807,990	691,379	0	-13.63%
Other Liabilities	458,057	455,622	473,761	0	+0.53%
Taxes & Funding
Deferred Tax Liabilities	0.00	56270.63	0.00	0	-100.00%
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	149,522,100	135,464,162	121,631,476	0	+10.38%
Total Equity and Liabilities	159,304,851	145,775,167	127,862,104	0	+9.28%

Sector Peers — Life Insurance (21)

Peer Comparison

Life Insurance SECTOR — NEPAL

2025/2026 Q4

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	432.8	+5.81	+1.36%	0.02	0.24	116.29	122.87	8.43	9.17	7.89	7.89	143.68	6.13	110.07	4.37	2.89	3.6	53.11	-	54.87	1.54	98.11	0.69	0.69%	7.82	7.82%
CLI	440	+4.01	+0.92%	0.02	0.36	115.36	113.66	9.51	4.83	7.82	7.82	142.47	6.68	99.28	4.87	3.49	3.77	55.64	-	56.25	1.95	95.76	1.25	1.25%	6.49	6.49%
CREST	1,099	+4.05	+0.37%	0.01	0.42	96.51	90.84	9.42	0.6	0.34	0.34	27.17	7.62	66.7	14.72	0.54	12.17	3,455	-	3,250	18.84	75.47	0.22	0.22%	0.33	0.33%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GMLI	990	-10	-1%	0.01	0.48	104.58	101.43	8.92	0.66	2.14	2.14	70.96	6.87	80.96	11.55	2.79	11.19	546.68	-	481.31	15.27	84.43	1.34	1.34%	2.02	2.02%
HLI	309.2	+2.3	+0.75%	0.03	0.25	116.61	124.55	8.31	8.85	3.48	3.48	95.55	6.03	110.57	5.67	1.29	2.76	92.47	-	91.09	1.2	98.04	0.32	0.32%	3.03	3.03%
ILI	428	+0.98	+0.23%	0.02	0.37	120.69	104.38	8.98	3.32	11.68	11.68	178.09	5.93	88.54	6.86	6.45	3.38	34.93	409	36.81	2.25	96.45	2.42	2.42%	9.78	9.78%
JLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NLIC	745	+1.64	+0.22%	0.07	0.27	124.71	127.59	7.71	23.7	4.91	4.91	117.38	6.88	117.56	2.32	0.62	6.01	152.71	-	149.69	0.96	98.92	0.17	0.17%	3.97	3.97%
NLICL	581.4	+9.38	+1.64%	0.03	0.29	121.71	120.25	9.39	15.83	6.51	6.51	133.52	6.41	107.85	3.01	1.17	4.76	88.94	-	89.4	1.04	97.23	0.33	0.33%	5.45	5.45%
PLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PLIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PMLI	423	+2.98	+0.71%	0.02	0.32	110.87	105.63	9.63	3.33	7.08	7.08	132.9	4.87	88.23	7.77	4.99	3.91	61.17	-	60.99	3.06	96.41	1.61	1.61%	6.46	6.46%
RLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
RNLI	438.1	+0.09	+0.02%	0.02	0.32	121.18	106.28	9.89	3.02	11.21	11.21	174.83	6.11	88.19	8.2	7.42	3.63	39.25	18.08	39.6	2.92	95.24	2.39	2.39%	9.31	9.31%
SJLIC	415	0	0%	0.02	0.31	121.29	120.27	8.79	9.02	7.59	7.59	143.92	6.75	105.44	6.04	2.22	3.41	54.41	6.46	55.44	1.21	98.32	0.68	0.68%	6.35	6.35%
SLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SNLI	421	+4	+0.96%	0.02	0.3	111.53	103.88	9.55	2.27	7.92	7.92	140.98	5.95	85.52	8.81	7.16	3.78	53.3	-	52.9	3.82	96.04	2.13	2.13%	6.92	6.92%
SRLI	373.8	+5.81	+1.58%	0.02	0.33	110.88	109.38	10.44	4.79	7.65	7.65	138.15	5.42	91.89	7.05	3.99	3.42	49.52	30.91	49.15	1.98	97.07	1.31	1.31%	6.93	6.93%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	545.87	2.39	0.6%	0.02	0.328	114.79	111.62	9.15	6.88	6.63	6.63	126.12	6.28	95.45	7.02	3.46	5.061	364.39	116.113	343.654	4.311	94.42	1.14	1.14%	5.76	5.76%
MED	432.8	2.98	0.71%	0.02	0.32	116.29	109.38	9.39	4.79	7.59	7.59	138.15	6.13	91.89	6.86	2.89	3.77	55.64	24.495	56.25	1.98	96.45	1.25	1.25%	6.46	6.46%
MAX	1,099	9.38	1.64%	0.07	0.48	124.71	127.59	10.44	23.7	11.68	11.68	178.09	7.62	117.56	14.72	7.42	12.17	3,455	409	3,250	18.84	98.92	2.42	2.42%	9.78	9.78%
MIN	309.2	-10	-1%	0.01	0.24	96.51	90.84	7.71	0.6	0.34	0.34	27.17	4.87	66.7	2.32	0.54	2.76	34.93	6.46	36.81	0.96	75.47	0.17	0.17%	0.33	0.33%