Life Insurance Corporation (Nepal) Limited

Life InsuranceHigh Cap

NPR 804.00

NPR +8+1.01%

09:14 AM NPT · Oct 14, 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

805.00

High

805.00

Low

790.10

Prev Close

796.00

Volume

14,095

Turnover

Rs 11,228,942.2

Txns

Valuation · Q4 FY25/26

EPS Ann.

7.38

EPS TTM

7.38

BVPS

162.36

P/E Ann.

108.94

P/E TTM

108.94

Graham #

164.19

Capital

Mkt Cap

44.22 Arab

Total

5.5 Crore

Public

1.65 Crore

Promoter

3.85 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

64.6

ADX

31.46

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

789.08

SMA 50

777.06

Bands & Channels

BB Width %

6.31%

Volume & Flow

OBV

593,664

Flow Analysis

[ Live 2026-10-14 ]

Total Buy

37,548

Shares Bought

Total Sell

37,548

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 61%

Distribution 39%

Accumulators

Quantity

14,303

Amount

11,298,174

Avg Rate

789.92

Rank

Brokers

#49#34#71

Distributors

Quantity

9,316

Amount

7,329,761

Avg Rate

786.79

Rank

#11

Brokers

#29#36#95#28#57

Net Flow Impact:

+4,987units

(Rs. 3,968,413)

Net Flow by Timeframe

LICN — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 52,133 ]

Buy Side

Total: 30,174

Broker

QTY

AVG

NET

7,682

793.90

+6,618

20.5%

4,621

783.29

+3,471

12.3%

3,968

795.19

+1,700

10.6%

2,000

789.90

+2,000

5.3%

1,721

788.01

+1,621

4.6%

1,686

788.64

+1,686

4.5%

1,500

791.11

+744

4.0%

1,450

787.85

+1,010

3.9%

1,331

791.51

+1,051

3.5%

1,300

789.83

+1,170

3.5%

1,260

790.13

+1,189

3.4%

743

798.39

+397

2.0%

520

793.79

+369

1.4%

222

793.60

+187

0.6%

170

794.82

+120

0.5%

Sell Side

Total: 21,959

Broker

QTY

AVG

NET

2,020

790.03

-1,156

5.4%

2,000

790.77

-1,500

5.3%

1,955

783.55

-1,955

5.2%

1,900

796.53

-1,900

5.1%

1,900

801.89

-47

5.1%

1,900

776.16

-1,900

5.1%

1,561

786.84

-1,261

4.2%

1,470

791.59

-749

3.9%

1,212

792.26

-1,115

3.2%

1,200

791.22

-1,090

3.2%

1,200

783.52

-1,200

3.2%

1,189

790.00

-1,039

3.2%

1,001

793.52

-1,001

2.7%

751

785.77

-346

2.0%

700

795.00

-700

1.9%

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	+6.01	+1.41%	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	441.5	-0.49	-0.11%	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	1,030	-7.99	-0.77%	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	935	+17.7	+1.93%	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	303.9	+1	+0.33%	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	438.1	+3.09	+0.71%	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	737	+4.69	+0.64%	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	579	+4.02	+0.7%	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	433.8	+2.8	+0.65%	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	457.8	+6.5	+1.44%	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	427.5	+3.52	+0.83%	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	419.5	+3.49	+0.84%	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	380	+2	+0.53%	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	539.62	3.57	0.7%	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	438.1	3.49	0.7%	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	1,030	17.7	1.93%	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	303.9	-7.99	-0.77%	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%