Prabhu Mahalaxmi Life Insurance Limited
NPR 429.00
09:14 AM NPT · Nov 6, 2026
Est. 2023 A.D. (Formed through the merger of Prabhu Life Insurance and Mahalaxmi Life Insurance) · Central Office: Kathmandu, Nepal (as per pmlil.com) · CEO: Santosh Prasai
Prabhu Mahalaxmi Life Insurance emerged from the merger of two previously independent life-insurance companies Prabhu Life Insurance Limited and Mahalaxmi Life Insurance Limited combining their strengths to meet the increased regulatory capital requirements set by the insurance regulator. Since beginning joint operations in mid-2023, PMLI has positioned itself as a significant player in Nepal’s life-insurance sector, offering a broad and diversified portfolio of life-insurance products including term-life policies, endowment plans, child savings plans, and pension-type products, catering to individuals across income levels. In its mission statement, PMLI emphasizes delivering “comprehensive and innovative life insurance solutions” aimed at providing financial security, long-term savings, and protection for families and individuals. By consolidating the resources, distribution networks, and experience of its predecessor firms, the company has rapidly expanded its footprint: as of now it operates through dozens of branches and agents across Nepal, aiming to make life insurance accessible beyond major cities. Financially, PMLI is publicly traded on the Nepal Stock Exchange (NEPSE) under the ticker symbol “PMLI.” As of the most recent data, the company’s share metrics reflect a paid-up capital of NPR 5,103,648,000 with over 51 million shares outstanding.The company’s latest published result (for fiscal year 2081/82) shows a net profit of NPR 370.74 million evidence of operational scale and improved financial health post-merger. Among its popular offerings is the “Super Surakshit Beema” plan, which is reportedly among the best-selling products, valued for its combination of life protection, savings benefit, optional critical-illness coverage, and flexibility in premium payment terms.Given Nepal’s growing awareness about financial security and life insurance, PMLI aims to leverage its consolidated strength combining regulatory compliance, broader capital base, and diversified product lineup to become a preferred life-insurance provider for households nationwide. Its strategy appears to emphasize both protection (insurance) and long-term savings/investment benefits, making it relevant for a wide demographic, including salaried workers, business owners, and middle-class families.
Trading
Open
420.00
High
429.00
Low
417.20
Prev Close
427.40
Volume
11,243
Turnover
Rs 4,723,728.7
Txns
0
Valuation · Q4 FY25/26
EPS Ann.
7.08
EPS TTM
7.08
BVPS
110.87
P/E Ann.
60.59
P/E TTM
60.59
Graham #
132.90
Capital
Mkt Cap
22.77 Arab
Total
5.31 Crore
Public
1.26 Crore
Promoter
4.04 Crore
Technical Analysis
Indicator Signals
MACD
SellRSI
NeutralSuperTrend
Strong BuyTrend Analysis
Direction
DowntrendStrength
Very StrongMomentum
RSI (14)
52.08
ADX
41.54
Overall Score
Technical Score
Moving Averages
SMA 20
427.25
SMA 50
420.6
Bands & Channels
BB Width %
6.18%
Volume & Flow
OBV
814,449
Flow Analysis
[ Live 2026-11-06 ]
Total Buy
72,966
Shares Bought
Total Sell
72,966
Shares Sold
Net Flow
0
Net Accumulation
Active Brokers
67
Participating
ACCUM/DIST
Accumulation 33%
Distribution 67%
Accumulators
5Quantity
25,362
Amount
10,697,210
Avg Rate
421.78
Rank
#9
Brokers
Distributors
3Quantity
52,654
Amount
22,270,910
Avg Rate
422.97
Rank
#5
Brokers
Net Flow Impact:
-27,292unitsNet Flow by Timeframe
PMLI — Broker Breakdown (7D)
[ Vol: 109,192 ]
Buy Side
Total: 42,224Broker
QTY
AVG
NET
%
Sell Side
Total: 66,968Broker
QTY
AVG
NET
%
Financial Fundamentals
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) | P/E (TTM) | P/S | Retained Risk | ROA (Annualized) | ROA (TTM)% | ROE (Annualized) | ROE (TTM)% | |
ALICL | 422.2 | -1.78 | -0.42% | 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 | 442 | +1.5 | +0.34% | 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 | 1,192 | +147.12 | +14.08% | 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 | 886 | -1.51 | -0.17% | 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 | -0.3 | -0.1% | 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 | 443 | +0.31 | +0.07% | 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 | 36.81 | 2.25 | 96.45 | 2.42 | 2.42% | 9.78 | 9.78% |
JLI | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
LICN | 799 | +2.07 | +0.26% | 0.04 | 0.22 | 162.36 | 141.93 | 7.21 | 16.74 | 7.38 | 7.38 | 164.19 | 7.4 | 131.75 | 2.97 | 1.21 | 4.86 | 107.02 | 110.16 | 1.3 | 99.51 | 0.26 | 0.26% | 4.48 | 4.48% |
NLIC | 740 | +1.03 | +0.14% | 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 | 580 | -0.99 | -0.17% | 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 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
RLI | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
RNLI | 446 | -3.01 | -0.67% | 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 | 39.6 | 2.92 | 95.24 | 2.39 | 2.39% | 9.31 | 9.31% |
SJLIC | 429.9 | -0.3 | -0.07% | 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 | 55.44 | 1.21 | 98.32 | 0.68 | 0.68% | 6.35 | 6.35% |
SLI | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
SLICL | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
SNLI | 416 | +2.19 | +0.53% | 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 | 378.1 | +1.09 | +0.29% | 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 | 49.15 | 1.98 | 97.07 | 1.31 | 1.31% | 6.93 | 6.93% |
ULI | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| AVG | 575.17 | 11.34 | 1.09% | 0.03 | 0.32 | 118.75 | 114.41 | 8.97 | 7.91 | 6.66 | 6.66 | 128.53 | 6.48 | 98.79 | 6.65 | 3.17 | 5.134 | 367.92 | 347.436 | 4.175 | 94.66 | 1.04 | 1.04% | 5.61 | 5.61% |
| MED | 443 | 0.31 | 0.07% | 0.02 | 0.31 | 116.61 | 113.66 | 8.98 | 4.83 | 7.59 | 7.59 | 140.98 | 6.41 | 99.28 | 6.04 | 2.79 | 3.77 | 55.64 | 56.25 | 1.95 | 97.07 | 0.69 | 0.69% | 6.35 | 6.35% |
| MAX | 1,192 | 147.12 | 14.08% | 0.07 | 0.48 | 162.36 | 141.93 | 10.44 | 23.7 | 11.68 | 11.68 | 178.09 | 7.62 | 131.75 | 14.72 | 7.42 | 12.17 | 3,455 | 3,250 | 18.84 | 99.51 | 2.42 | 2.42% | 9.78 | 9.78% |
| MIN | 303 | -3.01 | -0.67% | 0.01 | 0.22 | 96.51 | 90.84 | 7.21 | 0.6 | 0.34 | 0.34 | 27.17 | 5.42 | 66.7 | 2.32 | 0.54 | 2.76 | 34.93 | 36.81 | 0.96 | 75.47 | 0.17 | 0.17% | 0.33 | 0.33% |