Nepal Life Insurance Co. Ltd.

Life InsuranceHigh Cap

NPR 747.50

NPR +2.5+0.34%

09:14 AM NPT · Jun 26, 2026

Est. April 5, 2001 · Heritage Plaza-1, 2nd Floor, Kamaladi 11030, Kathmandu, Nepal · CEO: Mr. Pravin Raman Parajuli

Nepal Life Insurance Company Limited (NLIC) is Nepal’s leading and largest life insurance company, established to provide comprehensive life-insurance solutions that promote financial security, long-term savings, and economic stability for individuals and families across the country. Licensed by the Nepal Insurance Authority, NLIC has maintained a dominant presence in the life-insurance market through strong governance, innovative products, and a robust nationwide distribution network. Headquartered in Kathmandu, the company offers a wide portfolio of life-insurance products including endowment plans, term assurance, whole life policies, money-back plans, pension and retirement schemes, child education plans, micro-insurance, and unit-linked investment products. Through its extensive network of branches, agents, and digital platforms, NLIC ensures accessible service delivery to millions of policyholders nationwide. Known for its strong claim-settlement capability, high customer trust, and consistent financial performance, Nepal Life Insurance continues to strengthen Nepal’s life-insurance sector through digital transformation, modern actuarial practices, and customer-centric service excellence. As one of the country’s most respected financial institutions, NLIC remains committed to enhancing financial literacy, supporting national economic growth, and providing reliable long-term protection for the Nepali public.

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Trading

Open

745.50

High

750.00

Low

744.90

Prev Close

745.00

Volume

11,174

Turnover

Rs 8,332,991.8

Txns

Valuation · Q3 FY25/26

EPS Ann.

6.40

EPS TTM

4.28

BVPS

124.53

P/E Ann.

116.80

P/E TTM

174.65

Graham #

133.91

Capital

Mkt Cap

67.49 Arab

Total

9.03 Crore

Public

4.42 Crore

Promoter

4.6 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)

17.23

ADX

55.41

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

759.7

SMA 50

764.22

Bands & Channels

BB Width %

4.54%

Volume & Flow

OBV

-3,342,997

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

115,088

Shares Bought

Total Sell

115,088

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 53%

Distribution 47%

Accumulators

Quantity

33,542

Amount

25,032,933

Avg Rate

746.32

Rank

Brokers

#10#57#49#77

Distributors

Quantity

29,357

Amount

22,010,146

Avg Rate

749.74

Rank

Brokers

#4#1#7#53

Net Flow Impact:

+4,185units

(Rs. 3,022,788)

Net Flow by Timeframe

NLIC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 141,319 ]

Buy Side

Total: 74,765

Broker

QTY

AVG

NET

11,846

746.85

+9,411

10.3%

10,624

745.34

+9,799

9.2%

7,966

745.73

+382

6.9%

7,575

746.79

+2,851

6.6%

6,119

746.05

+5,052

5.3%

6,068

746.85

+3,391

5.3%

4,953

747.47

+4,953

4.3%

4,272

745.32

+1,801

3.7%

3,000

743.62

+3,000

2.6%

2,901

748.48

+1,936

2.5%

2,230

758.35

+1,945

1.9%

2,126

746.63

+357

1.9%

1,925

746.05

+1,925

1.7%

1,632

741.53

+1,581

1.4%

1,528

757.88

+1,277

1.3%

Sell Side

Total: 66,554

Broker

QTY

AVG

NET

12,857

751.71

-11,800

11.2%

8,334

747.05

-3,470

7.2%

6,591

748.85

-4,779

5.7%

5,797

751.32

-5,182

5.0%

5,479

743.32

-2,874

4.8%

4,726

745.59

-3,925

4.1%

4,112

742.79

-4,022

3.6%

3,088

742.74

-259

2.7%

2,908

749.66

-1,583

2.5%

2,759

746.76

-1,966

2.4%

2,577

743.13

-891

2.2%

1,880

752.29

-1,588

1.6%

1,851

750.49

-1,751

1.6%

1,798

749.04

-141

1.6%

1,797

741.08

-1,241

1.6%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Goodwill & Intangible Assets	8,167	9,608	10,961	0	-15.00%
Property and Equipment	856,502	722,675	212,271	0	+18.52%
Investment Properties	405,738	408,585	408,733	0	-0.70%
Deferred Tax Assets	0.00	0.00	0.00	0	-
Investment in Subsidiaries	2,029,500	2,029,500	153,000	0	0.00%
Investment in Associates	1,458,575	1,408,481	0	0	+3.56%
Investments	242,348,765	184,587,506	159,957,442	0	+31.29%
Loans	36,377,504	36,649,555	33,716,319	0	-0.74%
Reinsurance Assets	0.00	0.00	0.00	0	-
Current Tax Assets	61,923	0	0	0	-
Insurance Receivables	87,166	423,180	165,862	0	-79.40%
Insurance Payable	67,875	836,015	263,838	0	-91.88%
Other Financial Assets	6,497,514	10,649,738	7,827,539	0	-38.99%
Other Assets	284,742	209,630	236,806	0	+35.83%
Cash and Cash Equivalent	3,390,790	6,671,499	1,930,389	0	-49.17%
Total Assets	293,806,885	243,769,957	204,619,322	0	+20.53%
Equity
Share Capital	9,480,201	9,028,763	8,207,967	0	+5.00%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	0.00	0.00	43839.62	0	-
Catastrophe Reserves	1,541,924	1,323,197	1,117,537	0	+16.53%
Retained Earnings	783,334	1,183,892	2,290,853	0	-33.83%
Other Equity	170,500	725,770	541,213	0	-76.51%
Total Equity	11,975,959	12,261,621	12,201,409	0	-2.33%
Liabilities
Insurance & Contract Liabilities
Provisions	259,498	275,336	258,380	0	-5.75%
Gross Insurance Contract Liabilities	267,136,109	227,059,459	189,184,262	0	+17.65%
Other Financial Liabilities	1,568,641	1,543,338	1,821,074	0	+1.64%
Other Liabilities	923,830	1,218,088	689,792	0	-24.16%
Taxes & Funding
Deferred Tax Liabilities	116,058	173,265	91,436	0	-33.02%
Current Tax Liabilities	0.00	402835.08	109131.16	0	-100.00%
Borrowings	11,758,916	0	0	0	-
Total Liabilities	281,830,926	231,508,335	192,417,913	0	+21.74%
Total Equity and Liabilities	293,806,885	243,769,957	204,619,322	0	+20.53%

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)	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	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	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	37.74	4.85	97.15	2.2	2.63%	8.55	10.19%
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	112.36	2.5	99.52	0.28	0.26%	4.77	4.47%
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	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	54.02	4.08	96.74	1.65	1.38%	8.25	6.92%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	578.9	1.26	-0.04%	0.02	0.323	117.7	114.34	9.01	6.03	7.7	7.79	141.55	4.71	97.93	7.41	4.31	7.365	143.72	99.392	9.226	94.48	1.42	1.7%	6.7	6.85%
MED	447.5	-0.99	-0.22%	0.02	0.31	116.41	111.91	9.21	4.4	8.79	7.59	143.81	4.86	94.03	7.34	3.56	5.41	53.4	57.03	4.1	96.74	1.65	1.48%	8.04	6.57%
MAX	1,198.9	34.92	3%	0.04	0.49	160.81	144.74	10.2	16.46	12.07	11.7	175.06	6.36	134.77	14.78	8.53	20.04	605.75	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	2.87	1.31	4.14	38.61	37.74	2.13	75.86	0.28	0.26%	2.05	3.1%