Rastriya Beema Company Limited

Non Life InsuranceHigh Cap

NPR 14,251.00

NPR -394-2.69%

08:59 AM NPT · Jun 29, 2026

Est. 1967 · Kathmandu, Nepal · CEO: Shekhar Baral

Rastriya Beema Company Limited (RBCL) is one of Nepal’s oldest and most prominent state-owned insurance companies, established to provide comprehensive non-life insurance services across the country. Operating under the supervision of the Nepal Insurance Authority, the company plays a vital role in safeguarding individuals, businesses, and national assets through diverse insurance products and risk-management solutions. Headquartered in Kathmandu, Rastriya Beema offers a wide portfolio of general insurance services, including fire, motor, marine, aviation, engineering, agriculture, livestock, property, and miscellaneous liability insurance. As a government-backed insurer, the company holds a strong reputation for reliability, financial stability, and transparent claim settlement practices. With decades of experience and a nationwide presence, Rastriya Beema Company Limited continues to support Nepal’s economic development by protecting public and private sector investments, promoting insurance awareness, and strengthening the country’s risk-management framework.

rbcl.gov.np/

Trading

Open

14,407.00

High

14,407.00

Low

14,251.00

Prev Close

14,645.00

Volume

120

Turnover

Rs 1,718,810

Txns

Valuation · Q3 FY25/26

EPS Ann.

144.49

EPS TTM

120.36

BVPS

6,524.10

P/E Ann.

98.63

P/E TTM

118.40

Graham #

4,605.43

Capital

Mkt Cap

38.0 Arab

Total

26.66 Lakh

Public

3.27 Lakh

Promoter

23.39 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Weak

Momentum

RSI (14)

32.09

ADX

15.96

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

14780.18

SMA 50

15019.55

Bands & Channels

BB Width %

8.17%

Volume & Flow

OBV

42,377

Flow Analysis

[ Live 2026-06-29 ]

Total Buy

427

Shares Bought

Total Sell

427

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 36%

Distribution 64%

Accumulators

Quantity

Amount

817,320

Avg Rate

14338.95

Rank

#13

Brokers

#48

Distributors

Quantity

100

Amount

1,440,220

Avg Rate

14402.20

Rank

#13

Brokers

#33

Net Flow Impact:

-43units

(Rs. -622,900)

Net Flow by Timeframe

RBCL — Broker Breakdown (7D)

15 Buyers11 Sellers

[ Vol: 794 ]

Buy Side

Total: 397

Broker

QTY

AVG

NET

14338.95

+57

13.3%

14390.40

+50

11.7%

14351.60

+50

11.7%

14363.80

+50

11.7%

14337.00

+30

7.0%

14399.67

+10

7.0%

14337.33

+30

7.0%

14350.00

+20

4.7%

14494.00

+10

4.7%

14255.00

+10

2.3%

14429.00

+10

2.3%

14350.00

+10

2.3%

14355.00

+10

2.3%

14450.00

+10

2.3%

14399.00

+10

2.3%

Sell Side

Total: 397

Broker

QTY

AVG

NET

100

14402.20

-100

23.4%

14376.62

-80

18.7%

14337.50

-40

9.4%

14389.19

-37

8.7%

14381.00

-30

7.0%

14304.33

-30

7.0%

14357.00

-30

7.0%

14449.00

-10

4.7%

14499.00

-10

2.3%

14301.00

-10

2.3%

14450.00

-10

2.3%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Goodwill & Intangible Assets	13,501	452	0	0	+2886.83%
Property and Equipment	56,071	59,811	48,237	0	-6.25%
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	18,550,712	18,536,698	18,020,851	0	+0.08%
Loans	575,056	587,447	454,964	0	-2.11%
Reinsurance Assets	2,911,852	2,508,969	0	0	+16.06%
Current Tax Assets	72,147	0	0	0	-
Insurance Receivables	142,405	0	0	0	-
Other Financial Assets	65,137	0	0	0	-
Other Assets	2,913,798	2,680,898	1,248,211	0	+8.69%
Cash and Cash Equivalent	120,786	7,434	123,294	0	+1524.85%
Total Assets	25,421,467	24,381,709	19,895,557	0	+4.26%
Equity
Share Capital	266,639	266,639	266,639	0	0.00%
Share Application Money Pending Allotment	13,511	0	0	0	-
Share Premium	0.00	0.00	0.00	0	-
Catastrophe Reserves	706,722	689,076	461,388	0	+2.56%
Retained Earnings	2,602,480	2,462,549	3,568,312	0	+5.68%
Other Equity	13,806,458	13,437,174	13,230,211	0	+2.75%
Total Equity	17,395,809	16,855,437	17,526,550	0	+3.21%
Liabilities
Insurance & Contract Liabilities
Provisions	2,967,542	3,156,511	754,319	0	-5.99%
Gross Insurance Contract Liabilities	3,762,827	3,210,909	1,116,438	0	+17.19%
Insurance Payable	113,357	0	0	0	-
Other Financial Liabilities	20.05	0.00	0.00	0	-
Other Liabilities	1,181,912	1,158,852	498,250	0	+1.99%
Taxes & Funding
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	8,025,658	7,526,272	2,369,007	0	+6.64%
Total Equity and Liabilities	25,421,467	24,381,709	19,895,557	0	+4.26%

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)	P/E (TTM)	Policy Retention	P/S	Retained Risk	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
AIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
HEI	537	-1.02	-0.19%	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	435	-4.88	-1.11%	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	516	-0.52	-0.1%	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	617	-2.98	-0.48%	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	587	-7.91	-1.33%	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%
NMIC	952	-21.02	-2.16%	0.01	0.12	100.17	114.99	31.59	0.72	4.54	3.56	98.24	89.57	3.44	66.29	80.29	25.7	15.9	263.19	299.94	2.1	120.42	40.05	2.96	2.32%	4.51	3.54%
PIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PRIN	680.2	+0.07	+0.01%	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%
SALICO	605	-7.47	-1.22%	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	462.3	-10.69	-2.26%	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	615.1	-2.9	-0.47%	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	685.1	-19.88	-2.82%	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	450	-6.02	-1.32%	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	595.14	-7.1	-1.12%	0.01	0.173	187.79	85.79	31.19	1.29	4.42	7.77	71.57	175.46	3.19	80.62	36.35	7.85	4.97	1,984.04	130.42	28.86	22.861	42.97	1.28	1.9%	2.63	4.1%
MED	596	-5.45	-1.17%	0.01	0.18	186.16	85.51	27.44	1.25	3.87	8.7	70.21	177.67	3.1	84.12	32.21	5.69	3.975	122.56	66.71	31.25	14.365	46.96	1.12	1.83%	2.8	4.32%
MAX	952	0.07	0.01%	0.02	0.24	250.04	114.99	55.25	2.04	16.58	13.12	98.24	248.72	5.9	103.55	80.29	28.41	15.9	22,150	362.12	40.71	120.42	57.72	3.88	3.28%	8.12	6.42%
MIN	435	-21.02	-2.82%	0.01	0.12	100.17	36.47	16.72	0.72	-4.03	1.32	56.24	72.04	2.16	30.1	25.56	-5.52	3.23	-116.1	45.49	2.1	9.01	26.17	-1.2	0.39%	-2.32	0.76%