Nepal Micro Insurance Company Limited

Non Life Insurance

NPR 1,043.00

NPR -17-1.60%

07:21 AM NPT · May 12, 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

1,075.00

High

1,080.90

Low

1,036.00

Prev Close

1,060.00

Volume

1,945

Turnover

Rs 2,047,059.1

Txns

Valuation · Q2 FY25/26

EPS Ann.

3.61

EPS TTM

1.99

BVPS

101.65

P/E Ann.

288.92

P/E TTM

524.12

Graham #

90.87

Capital

Mkt Cap

N/A

Total

N/A

Public

N/A

Promoter

N/A

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

30.09

ADX

63.8

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1091.11

SMA 50

1207.98

Bands & Channels

BB Width %

28.63%

Volume & Flow

OBV

-545,663

Flow Analysis

[ Live 2026-05-11 ]

Total Buy

25,798

Shares Bought

Total Sell

25,798

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 49%

Distribution 51%

Accumulators

Quantity

5,802

Amount

5,819,443

Avg Rate

1003.01

Rank

Brokers

#34#54#58#35

Distributors

Quantity

5,969

Amount

5,934,367

Avg Rate

994.20

Rank

Brokers

#51#17#70#16

Net Flow Impact:

-167units

(Rs. -114,925)

Net Flow by Timeframe

NMIC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 29,789 ]

Buy Side

Total: 15,447

Broker

QTY

AVG

NET

2,375

998.86

+635

9.2%

1,398

1001.86

+1,109

5.4%

1,357

1008.51

+593

5.3%

1,320

981.34

+63

5.1%

1,224

992.29

+194

4.7%

1,182

995.40

+524

4.6%

1,116

1001.62

+621

4.3%

1,106

1004.72

+394

4.3%

913

1017.24

+873

3.5%

809

1005.11

+204

3.1%

684

997.81

+323

2.6%

560

994.14

+401

2.2%

500

999.61

+220

1.9%

480

1008.96

+410

1.9%

423

1014.09

+164

1.6%

Sell Side

Total: 14,342

Broker

QTY

AVG

NET

1,842

998.23

-11

7.1%

1,630

981.92

-1,350

6.3%

1,564

999.32

-1,249

6.1%

1,410

994.34

-940

5.5%

1,375

989.41

-150

5.3%

1,365

1002.84

-1,115

5.3%

1,020

1027.85

-4

4.0%

735

985.87

-443

2.9%

636

987.19

-506

2.5%

560

985.24

-510

2.2%

530

1020.51

-115

2.0%

526

995.92

-363

2.0%

419

1027.98

-419

1.6%

400

999.80

-400

1.6%

330

1028.98

-180

1.3%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Goodwill & Intangible Assets	12,492,390	12,150,426	11,393,336	0	+2.81%
Property and Equipment	30,387,790	38,454,579	31,948,296	0	-20.98%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	0.00	0.00	0.00	0	-
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	602,767,150	510,688,000	474,500,000	0	+18.03%
Loans	0.00	0.00	809166.60	0	-
Reinsurance Assets	169,063,320	67,996,156	8,171,944	0	+148.64%
Current Tax Assets	26,404,800	13,895,014	4,160,588	0	+90.03%
Insurance Receivables	0.00	524333.40	37703.30	0	-100.00%
Other Financial Assets	19,040,160	999,907	606,387	0	+1804.19%
Other Assets	191,664,380	3,083,910	2,638,382	0	+6114.98%
Cash and Cash Equivalent	20,943,600	70,865,128	37,748,985	0	-70.45%
Total Assets	1,072,763,590	718,657,454	572,014,788	0	+49.27%
Equity
Share Capital	750,000,000	525,000,000	525,000,000	0	+42.86%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	0.00	0.00	0.00	0	-
Catastrophe Reserves	10,127,550	374,228	318,246	0	+2606.25%
Retained Earnings	2,261,870	3,205,829	2,713,192	0	-29.45%
Other Equity	4,530	3,791,725	3,246,112	0	-99.88%
Total Equity	762,393,950	532,371,781	531,277,551	0	+43.21%
Liabilities
Insurance & Contract Liabilities
Provisions	2,897,930	346,446	346,446	0	+736.47%
Gross Insurance Contract Liabilities	277,981,260	114,499,975	18,824,166	0	+142.78%
Insurance Payable	4,725,270	34,112,945	7,306,754	0	-86.15%
Other Financial Liabilities	11,282,460	3,105,650	734,562	0	+263.29%
Other Liabilities	11,224,550	34,143,282	13,437,936	0	-67.13%
Taxes & Funding
Deferred Tax Liabilities	2,258,180	87,375	87,375	0	+2484.48%
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	310,369,650	186,295,673	40,737,237	0	+66.60%
Total Equity and Liabilities	1,072,763,600	718,667,454	572,014,788	0	+49.27%

Sector Peers — Non Life Insurance (24)

Peer Comparison

Non 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)%
AIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
HEI	531	-8.41	-1.56%	-	0.24	209.67	-	1.26	15.53	270.67	-	0%	-	1.14%	4.81	400	0	392.86	31.87	18.39	0.26%	3.41%	0.6%	7.49%
HGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
IGI	428.5	-3.5	-0.81%	-	0.14	176.25	-	-11.96	1.34	72.9	-	0%	-	-19.8%	4.75	-35.03	0	-35.09	313.21	27.77	-2.74%	0.3%	-6.5%	0.73%
IGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICL	495.2	-2.59	-0.52%	-	0.19	166.91	-	0.39	9.24	186.28	-	0%	-	0.69%	5.97	1,277.18	0	1,256.41	53.03	35.72	0.12%	3.2%	0.24%	6.03%
NIL	615	+2.02	+0.33%	-	0.17	229.19	-	0.8	15.07	278.77	-	0%	-	1.06%	5.39	772.5	0	753.75	40.01	32.92	0.18%	3.39%	0.36%	6.84%
NLG	580	0	0%	-	0.18	163.55	-	0.86	3.81	118.41	-	0%	-	1.41%	8.31	790.58	0	779.42	175.93	44.58	0.24%	1.1%	0.6%	2.65%
PIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PRIN	654.3	+3.71	+0.57%	-	0.14	202.27	-	14.85	12.88	242.11	-	0%	-	25.88%	12.78	43.5	0	47.35	54.6	180.2	3.56%	3.12%	7.52%	6.54%
RBCL	15,200.3	-305.46	-1.97%	-	0.04	6,461.26	-	132.96	96.84	3,752.12	-	0%	-	32.6%	4.6	111.69	0	112.82	154.89	145.67	1.42%	1.04%	2.08%	1.51%
SALICO	586	-3.89	-0.66%	-	0.19	227.43	-	2.85	14.29	270.42	-	0%	-	2.33%	5.28	210.53	0	208.42	41.57	19.7	0.44%	2.23%	1.2%	6.04%
SGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SGIC	462.1	-5.9	-1.26%	-	0.1	145.61	-	-8.92	6.18	142.29	-	0%	-	-18.98%	6.62	-54.02	0	-52.35	75.57	41.01	-1.98%	1.37%	-6.2%	4.29%
SIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SICL	617	+2.03	+0.33%	-	0	196.64	-	-3.06	5.15	150.95	-	0%	-	-3,634.59%	6.36	-204.41	0	-201.96	120	31,275	-0.58%	1%	-1.56%	2.64%
SIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SPIL	716	+1	+0.14%	-	0	241.32	-	-12.72	11.03	244.72	-	0%	-	-15,930.16%	5.94	-56.35	0	-54	62.28	35,840	-1.8%	1.56%	-4.8%	4.17%
UAIL	450	-6.99	-1.53%	-	0.21	171.7	-	-9.23	1.74	81.99	-	0%	-	-13.63%	5.22	-48.59	0	-49.47	262.41	26.5	-2.86%	0.53%	-5.48%	1.03%
UIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,777.95	-27.33	-0.58%	-	0.133	715.98	-	9.01	16.09	484.3	-	0%	-	-1,629.34%	6.336	267.298	0	263.18	115.448	5,640.622	-0.31%	1.85%	-1%	4.16%
MED	583	-3.04	-0.59%	-	0.155	199.45	-	0.6	10.14	214.2	-	0%	-	0.88%	5.665	77.595	0	80.085	68.925	38.365	0.15%	1.47%	0.3%	4.23%
MAX	15,200.3	3.71	0.57%	-	0.24	6,461.26	-	132.96	96.84	3,752.12	-	0%	-	32.6%	12.78	1,277.18	0	1,256.41	313.21	35,840	3.56%	3.41%	7.52%	7.49%
MIN	428.5	-305.46	-1.97%	-	0	145.61	-	-12.72	1.34	72.9	-	0%	-	-15,930.16%	4.6	-204.41	0	-201.96	31.87	18.39	-2.86%	0.3%	-6.5%	0.73%