Nepal Life Insurance Co. Ltd.

Life InsuranceHigh Cap

NPR 762.20

NPR -6.4-0.83%

09:14 AM NPT · May 13, 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

768.60

High

768.60

Low

755.00

Prev Close

768.60

Volume

19,500

Turnover

Rs 14,811,218.5

Txns

169

Valuation · Q2 FY25/26

EPS Ann.

7.11

EPS TTM

22.38

BVPS

123.29

P/E Ann.

107.20

P/E TTM

34.06

Graham #

140.44

Capital

Mkt Cap

68.82 Arab

Total

9.03 Crore

Public

4.42 Crore

Promoter

4.6 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

31.75

ADX

26.53

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

768.96

SMA 50

787.73

Bands & Channels

BB Width %

3.63%

Volume & Flow

OBV

-3,230,188

Flow Analysis

[ Live 2026-05-13 ]

Total Buy

123,440

Shares Bought

Total Sell

123,440

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 35%

Distribution 65%

Accumulators

Quantity

35,327

Amount

26,899,803

Avg Rate

761.45

Rank

Brokers

#6#44#57#58#4#43

Distributors

Quantity

66,629

Amount

50,418,947

Avg Rate

756.71

Rank

Brokers

#71#28

Net Flow Impact:

-31,302units

(Rs. -23,519,144)

Net Flow by Timeframe

NLIC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 153,865 ]

Buy Side

Total: 67,776

Broker

QTY

AVG

NET

9,518

764.30

+7,633

7.7%

6,256

756.97

+5,165

5.1%

6,029

763.55

+5,664

4.9%

6,023

761.87

+4,087

4.9%

5,065

760.55

+2,925

4.1%

5,008

758.44

+2,917

4.1%

4,251

764.90

+1,780

3.4%

3,751

759.72

+3,534

3.0%

3,750

759.39

+3,481

3.0%

3,706

757.64

+1,739

3.0%

3,393

759.74

+1,463

2.8%

3,276

760.47

+2,341

2.6%

3,180

757.63

+949

2.6%

100

2,290

758.01

+1,290

1.9%

2,280

768.44

+2,280

1.9%

Sell Side

Total: 86,089

Broker

QTY

AVG

NET

58,513

755.59

-57,393

47.4%

8,116

764.82

-6,516

6.6%

7,471

759.39

-3,875

6.0%

2,502

760.27

-1,595

2.0%

1,859

768.39

-922

1.5%

1,649

769.36

-1,599

1.3%

1,088

755.99

-927

0.9%

1,072

768.16

-758

0.9%

1,044

769.83

-229

0.8%

715

767.61

-715

0.6%

585

765.00

-510

0.5%

562

767.07

-522

0.5%

413

763.27

-153

0.3%

300

761.00

-300

0.2%

200

770.32

-121

0.2%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Goodwill & Intangible Assets	7,901,523	11,322,921	11,703,844	0	-30.22%
Property and Equipment	836,214,108	394,856,805	216,062,582	0	+111.78%
Investment Properties	407,312,893	760,310,488	402,023,729	526,682,417	-46.43%
Deferred Tax Assets	0.00	0.00	170462968.00	0	-
Investment in Subsidiaries	2,029,500,000	2,029,500,000	153,000,000	0	0.00%
Investment in Associates	1,444,663,502	1,371,106,242	0	0	+5.36%
Investments	219,350,997,761	179,186,202,038	152,390,249,722	116,724,118,281	+22.42%
Loans	35,827,258,782	35,698,014,208	32,757,354,112	27,898,597,232	+0.36%
Reinsurance Assets	0.00	0.00	0.00	0	-
Current Tax Assets	330,778,459	0	0	0	-
Insurance Receivables	170,632,714	315,556,187	127,360,770	0	-45.93%
Insurance Payable	231,046,364	733,137,654	331,506,613	0	-68.49%
Other Financial Assets	7,238,944,293	6,645,015,463	9,002,962,117	0	+8.94%
Other Assets	403,106,394	206,298,736	568,623,398	19,867,366,484	+95.40%
Cash and Cash Equivalent	4,193,961,446	8,786,179,322	1,256,698,502	130,813,261	-52.27%
Total Assets	272,241,271,875	235,404,362,409	197,056,501,744	165,147,577,675	+15.65%
Equity
Share Capital	9,480,201,370	8,207,966,554	8,207,966,554	8,207,966,554	+15.50%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	0.00	0.00	43839625.00	0	-
Catastrophe Reserves	1,530,045,012	1,308,328,694	1,048,482,684	833,649,207	+16.95%
Retained Earnings	677,609,059	2,383,470,001	1,031,796,826	480,449,233	-71.57%
Other Equity	149,269,173	782,666,315	174,740,340	150,856,482,811	-80.93%
Total Equity	11,837,124,614	12,682,431,564	10,506,826,029	160,378,547,805	-6.67%
Liabilities
Insurance & Contract Liabilities
Provisions	259,497,980	268,573,046	322,096,137	2,697,559,108	-3.38%
Gross Insurance Contract Liabilities	257,152,187,632	218,417,621,263	183,654,371,274	0	+17.73%
Other Financial Liabilities	1,645,916,844	1,538,084,564	1,298,357,905	0	+7.01%
Other Liabilities	1,069,486,432	1,143,765,882	657,982,579	2,071,470,761	-6.49%
Taxes & Funding
Deferred Tax Liabilities	46,012,010	323,467,719	0	0	-85.78%
Current Tax Liabilities	0.00	297280717.00	285361205.00	0	-100.00%
Borrowings	0.00	0.00	0.00	0.00	-
Total Liabilities	260,404,147,262	222,721,930,845	186,549,675,714	4,769,029,869	+16.92%
Total Equity and Liabilities	272,241,271,876	235,404,362,409	197,056,501,744	165,147,577,674	+15.65%

Sector Peers — Life Insurance (21)

Peer Comparison

Life Insurance SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
ALICL	455.9	+1.91	+0.42%	0.02	0.23	124.65	-	10.54	8.45	153.95	-	0%	-	4.03%	7.64	45.16	0	42.01	52.4	7.28	0.94%	0.75%	10.08%	8.08%
CLI	455	-1	-0.22%	0.02	0.37	112.2	-	9.26	8.51	146.57	-	0%	-	4.64%	8.47	51.3	0	49.34	53.69	9.53	1.68%	1.56%	8.74%	8.04%
CREST	1,106	-31.04	-2.73%	0.01	0.51	106.81	-	3.13	4.06	98.78	-	0%	-	4.91%	23.13	394.57	4.06	424.28	327.09	77.55	2.5%	3.24%	3.5%	4.54%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GMLI	1,290	-10.01	-0.77%	0.01	0	104.21	-	3.53	8.25	139.08	-	0%	-	4,876.37%	32.74	483.31	0	490.08	209.7	85,305	2.74%	6.42%	4.02%	9.4%
HLI	339.9	-1.09	-0.32%	0.03	0.25	115.41	-	4.59	4.13	103.56	-	0%	-	1.81%	6.36	79.96	0	78.65	87.41	5.88	0.44%	0.41%	3.9%	3.56%
ILI	436	-0.09	-0.02%	0.02	0.37	114.48	-	10.83	11.72	173.75	-	0%	-	6.81%	7.68	40.58	35.82	40.12	37.07	11.06	2.52%	2.73%	8.78%	9.51%
JLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LICN	812	0	0%	0.04	0	159.09	-	8.17	7.25	161.09	-	0%	-	1,367.14%	10.72	104.33	0	100.98	113.79	5,682.67	0.3%	0.27%	6.14%	5.45%
NLICL	585	-5.02	-0.85%	0.03	0.28	120.12	-	10.08	7.39	141.33	-	0%	-	2%	9.58	57.09	0	56.45	77	4.57	0.56%	0.41%	8.56%	6.28%
PLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PLIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PMLI	465	-3	-0.64%	0.02	0.33	106.32	-	5.02	6.05	120.3	-	0%	-	3.91%	9.06	95.92	0	97.01	80.5	15.02	1.28%	1.56%	4.76%	5.75%
RLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
RNLI	461	-2.5	-0.54%	0.02	0.35	117.05	-	15.24	11.85	176.66	-	0%	-	10.57%	7.92	30.43	31.96	29.72	38.23	12.88	3.66%	2.85%	13.22%	10.29%
SJLIC	430.2	-2.81	-0.65%	0.02	0.31	117.82	-	8.06	7.1	137.19	-	0%	-	2.62%	7.44	54.4	18.25	53.66	60.92	5.71	0.8%	0.71%	6.94%	6.12%
SLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SNLI	450	-2.99	-0.66%	0.02	0.18	115.6	-	11.35	10.84	167.91	-	0%	-	18.31%	8.22	41.88	0	39.82	41.7	30.69	3.26%	3.12%	10.62%	10.16%
SRLI	391	-1.89	-0.48%	0.02	0.34	108.8	-	11.01	8.41	143.48	-	0%	-	6.26%	7.39	36.51	1.98	34.92	45.72	9.14	2.1%	1.61%	9.98%	7.63%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	590.54	-4.58	-0.57%	0.02	0.271	117.12	-	8.52	8	143.36	-	0%	-	485.34%	11.258	116.572	7.082	118.234	94.248	7,013.614	1.75%	1.97%	7.63%	7.29%
MED	455.9	-2.5	-0.54%	0.02	0.31	115.41	-	9.26	8.25	143.48	-	0%	-	4.91%	8.22	54.4	0	53.66	60.92	11.06	1.68%	1.56%	8.56%	7.63%
MAX	1,290	1.91	0.42%	0.04	0.51	159.09	-	15.24	11.85	176.66	-	0%	-	4,876.37%	32.74	483.31	35.82	490.08	327.09	85,305	3.66%	6.42%	13.22%	10.29%
MIN	339.9	-31.04	-2.73%	0.01	0	104.21	-	3.13	4.06	98.78	-	0%	-	1.81%	6.36	30.43	0	29.72	37.07	4.57	0.3%	0.27%	3.5%	3.56%