Nepal Micro Insurance Company Limited

Non Life Insurance

NPR 906.00

NPR +8+0.89%

09:14 AM NPT · Aug 11, 2026

Est. 2079-05-08 B.S. (incorporated under Company Act 2063 and licensed by Nepal Insurance Authority) · Bharatpur-1, Chitwan (Maharjan Complex, Bhrikuti Path) · CEO: Mrigendra Nath Rimal

Nepal Micro Insurance Company (NMIC) is a micro-insurance / non-life insurance company in Nepal that aims to make insurance accessible and affordable especially for people and communities who may have been underserved by traditional insurance providers. NMIC was established on Bhadra 8, 2079 B.S. under the Company Act 2063 and the (then-applicable) insurance law, and operates under a license issued by the Nepal Insurance Authority (NIA). Its core offering is micro-non-life insurance covering needs such as motor insurance (two-wheeler and private vehicles), property insurance, accidental/ theft/ burglary coverage, and other non-life risk-cover products tailored for individuals, families, and small clients. The company emphasizes transparent policies, affordability, and ease of claiming positioning itself as “insurance for everyone,” with a customer-first approach.NMIC claims to serve a wide client base, aiming to protect and support households and small clients, especially those who might otherwise find traditional insurance products out of reach. Their head-office is located in Bharatpur-1, Chitwan (Maharjan Complex, Bhrikuti Path) and they also maintain a provincial office in Gairidhara, Kathmandu.The company operates through multiple branches across provinces in Nepal including regions in Bagmati, Madhesh, and other provinces.

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Trading

Open

919.00

High

919.00

Low

896.20

Prev Close

898.00

Volume

4,285

Turnover

Rs 3,870,773.8

Txns

Valuation · Q3 FY25/26

EPS Ann.

4.54

EPS TTM

3.56

BVPS

100.17

P/E Ann.

199.56

P/E TTM

254.49

Graham #

101.16

Capital

Mkt Cap

N/A

Total

N/A

Public

N/A

Promoter

N/A

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

23.51

ADX

15.81

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

933.21

SMA 50

967.24

Bands & Channels

BB Width %

11.58%

Volume & Flow

OBV

-579,392

Flow Analysis

[ Live 2026-08-11 ]

Total Buy

11,540

Shares Bought

Total Sell

11,540

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 50%

Distribution 50%

Accumulators

Quantity

4,305

Amount

3,914,310

Avg Rate

909.25

Rank

#10

Brokers

#36#8#67

Distributors

Quantity

4,323

Amount

3,940,198

Avg Rate

911.45

Rank

#11

Brokers

#1#49#17#63

Net Flow Impact:

-18units

(Rs. -25,888)

Net Flow by Timeframe

NMIC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 16,336 ]

Buy Side

Total: 8,020

Broker

QTY

AVG

NET

3,225

909.83

+3,195

27.9%

786

919.53

+338

6.8%

772

908.77

+222

6.7%

630

909.68

+610

5.5%

450

904.49

+450

3.9%

427

902.92

+162

3.7%

427

905.15

+347

3.7%

225

907.82

+195

1.9%

220

913.00

+220

1.9%

190

902.49

+130

1.6%

177

909.82

+147

1.5%

145

907.62

+125

1.3%

120

910.33

+120

1.0%

115

909.13

+105

1.0%

111

900.40

+91

1.0%

Sell Side

Total: 8,316

Broker

QTY

AVG

NET

1,683

917.41

-1,391

14.6%

1,400

906.30

-1,201

12.1%

780

911.58

-770

6.8%

640

902.12

-355

5.5%

570

902.49

-195

4.9%

487

909.25

-425

4.2%

460

909.20

-10

4.0%

460

905.13

-460

4.0%

400

903.05

-51

3.5%

320

924.09

-313

2.8%

266

901.92

-166

2.3%

225

899.42

-225

1.9%

215

900.57

-85

1.9%

210

910.38

-20

1.8%

200

910.00

-190

1.7%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Goodwill & Intangible Assets	11,691	12,643	11,377	0	-7.53%
Property and Equipment	32,068	35,239	32,231	0	-9.00%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	4,315	0	0	0	-
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	703,988	637,556	490,588	0	+10.42%
Loans	0.00	0.00	770.00	0	-
Reinsurance Assets	214,711	108,121	33,194	0	+98.58%
Current Tax Assets	26,295	19,804	6,863	0	+32.78%
Insurance Receivables	3,072	4,256	631	0	-27.83%
Other Financial Assets	696.25	151704.88	650.00	0	-99.54%
Other Assets	202,092	3,760	1,121	0	+5274.49%
Cash and Cash Equivalent	93,365	32,475	49,420	0	+187.50%
Total Assets	1,292,293	1,005,560	626,845	0	+28.51%
Equity
Share Capital	750,000	750,000	525,000	0	0.00%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	0.00	0.00	0.00	0	-
Catastrophe Reserves	244.64	267.44	335.12	0	-8.53%
Retained Earnings	-1,923	2,208	2,862	0	-187.06%
Other Equity	2,936	2,693	3,418	0	+9.05%
Total Equity	751,258	755,168	531,615	0	-0.52%
Liabilities
Insurance & Contract Liabilities
Provisions	3,574	1,378	1,256	0	+159.33%
Gross Insurance Contract Liabilities	355,460	182,725	49,572	0	+94.53%
Insurance Payable	60,192	33,374	27,870	0	+80.35%
Other Financial Liabilities	13,276	2,280	820	0	+482.24%
Other Liabilities	108,533	30,489	15,624	0	+255.98%
Taxes & Funding
Deferred Tax Liabilities	0.00	145.23	87.37	0	-100.00%
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	541,035	250,392	95,230	0	+116.08%
Total Equity and Liabilities	1,292,293	1,005,560	626,845	0	+28.51%

Sector Peers — Non Life Insurance (24)

Peer Comparison

Non 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 Income Ratio	Debt to Equity	EPS (Annualized)	EPS (TTM)	First Policy	Graham's Number	Investment Yield	Loss Ratio	Management Expense Ratio	Net Profit Margin	P/B	P/E (Annualized)	PEG	P/E (TTM)	Policy Retention	P/S	Retained Risk	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
AIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
HEI	534.7	+3.72	+0.7%	0.01	0.24	205.28	82.75	25.3	1.3	5.9	12.42	77.34	239.51	2.53	82.49	25.56	5.71	3.4	88.64	-	45.49	24.47	9.01	48.55	1.39	2.92%	2.89	6.1%
HGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
IGI	427.2	-0.81	-0.19%	0.01	0.16	182.72	95.09	35.23	1.64	0.02	3.31	70.23	116.65	3.18	100.23	30.09	0.02	3.23	22,150	-	139.18	28.29	11.49	39.26	-	0.77%	-	1.79%
IGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICL	500.2	-6.69	-1.32%	0.01	0.19	169.84	82.76	20.81	0.72	5.55	9.57	78.51	191.23	3.02	74.12	29.45	9.75	3.93	90.29	-	58.83	22.45	15.68	52.66	1.89	3.28%	3.56	6.14%
NIL	606	-6	-0.98%	0.02	0.2	219.08	78.07	23.25	1.01	7.89	12.46	64.86	247.83	2.16	73.58	27.74	9.73	3.9	81.12	-	52.66	36.01	14.05	57.72	1.91	3.02%	3.81	6.03%
NLG	566	-1.99	-0.35%	0.02	0.18	165.73	86.22	55.25	1.19	1.74	2.72	67.77	100.71	4.03	103.55	37.92	2.66	5.05	360.98	-	237.87	36.01	17.12	26.17	0.47	0.74%	1.07	1.67%
PIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PRIN	669.3	+1.27	+0.19%	0.01	0.14	209.55	36.47	29.58	1.15	16.58	13.12	57.22	248.72	5.9	30.1	35.95	28.41	4.42	41.86	-	53.58	37.14	21.14	47.28	3.88	3.07%	8.12	6.42%
RBCL	14,108.1	-311.46	-2.16%	0.04	0.04	6,524.1	106.34	105.37	0.46	144.49	120.36	47.81	4,203.32	2.22	119.43	92.28	39.07	3.18	107.62	-	127.2	8.17	74.76	17.04	1.55	1.28%	2.24	1.87%
SALICO	595	+6.01	+1.02%	0.02	0.18	233.64	89.86	23.94	1.43	6.77	10.85	-	238.82	3.1	85.75	28.05	6.4	3.46	89.66	-	59.45	-	10.2	49.56	1.12	1.8%	2.8	4.49%
SGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SGIC	453	+2.61	+0.58%	0.01	0.13	153.04	71.52	51.92	1.7	3.19	7.82	56.24	164.1	2.36	80.18	43.26	5.67	4.3	154.83	-	64.07	40.71	15.65	27.09	0.75	1.85%	2.12	5.2%
SIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SICL	611.4	+1.22	+0.2%	0.02	0.18	189.6	84.8	35.7	1.62	3.03	5.36	70.21	151.21	3.23	86.99	33.51	3.62	4.46	209.24	-	122.5	31.25	13.48	32.54	0.64	1.14%	1.61	2.86%
SIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SPIL	683.1	-2.4	-0.35%	0.02	0.13	250.04	106.28	24.95	2.04	1.91	10.68	59.15	245.12	3.1	98.24	32.99	2.08	4.02	394.76	-	69.35	36.57	14.68	48.17	0.27	1.55%	0.73	4.15%
UAIL	434	+1.99	+0.46%	0.01	0.22	174.73	100.65	16.72	0.94	-4.03	1.32	87.54	72.04	2.18	85.94	31.43	-5.52	3.57	-116.1	-	362.12	22.41	11.41	46.63	-1.2	0.39%	-2.32	0.76%
UIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,682.33	-26.04	-0.18%	0.02	0.166	723.11	85.07	37.34	1.27	16.09	17.5	66.99	518.27	3.08	85.05	37.35	8.97	3.91	1,971.08	-	116.025	29.41	19.056	41.06	1.15	1.82%	2.42	3.96%
MED	580.5	0.2	0%	0.02	0.18	197.44	85.51	27.44	1.25	4.37	10.13	67.77	215.02	3.06	85.85	32.21	5.69	3.915	98.96	-	66.71	31.25	14.365	46.96	1.12	1.68%	2.24	4.32%
MAX	14,108.1	6.01	1.02%	0.04	0.24	6,524.1	106.34	105.37	2.04	144.49	120.36	87.54	4,203.32	5.9	119.43	92.28	39.07	5.05	22,150	-	362.12	40.71	74.76	57.72	3.88	3.28%	8.12	6.42%
MIN	427.2	-311.46	-2.16%	0.01	0.04	153.04	36.47	16.72	0.46	-4.03	1.32	47.81	72.04	2.16	30.1	25.56	-5.52	3.18	-116.1	-	45.49	8.17	9.01	17.04	-1.2	0.39%	-2.32	0.76%