Rastriya Beema Company Limited

Non Life InsuranceHigh Cap

NPR 13,620.00

NPR +370+2.79%

09:13 AM NPT · Sep 11, 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

13,579.00

High

13,620.00

Low

13,579.00

Prev Close

13,250.00

Volume

Turnover

Rs 543,690

Txns

Valuation · Q3 FY25/26

EPS Ann.

144.49

EPS TTM

120.36

BVPS

6,524.10

P/E Ann.

94.26

P/E TTM

113.16

Graham #

4,605.43

Capital

Mkt Cap

36.32 Arab

Total

26.66 Lakh

Public

3.27 Lakh

Promoter

23.39 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Weak

Momentum

RSI (14)

43.87

ADX

18.76

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

13775.72

SMA 50

14205.13

Bands & Channels

BB Width %

9.25%

Volume & Flow

OBV

41,347

Flow Analysis

[ Live 2026-09-11 ]

Total Buy

660

Shares Bought

Total Sell

660

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 39%

Distribution 61%

Accumulators

Quantity

260

Amount

3,493,179

Avg Rate

13435.30

Rank

#11

Brokers

#50#60

Distributors

Quantity

400

Amount

5,360,330

Avg Rate

13400.83

Rank

#11

Brokers

#33

Net Flow Impact:

-140units

(Rs. -1,867,151)

Net Flow by Timeframe

RBCL — Broker Breakdown (7D)

12 Buyers8 Sellers

[ Vol: 1,080 ]

Buy Side

Total: 510

Broker

QTY

AVG

NET

180

13494.89

+180

27.3%

120

13303.67

+50

18.2%

13301.24

+80

12.1%

13250.00

+30

4.5%

13605.00

+20

3.0%

13579.50

+20

3.0%

13303.10

+10

1.5%

13303.00

+10

1.5%

13300.00

+10

1.5%

14000.00

+10

1.5%

13580.00

+10

1.5%

13260.00

+10

1.5%

Sell Side

Total: 570

Broker

QTY

AVG

NET

400

13400.82

-290

60.6%

13528.17

-60

9.1%

13252.50

-40

6.1%

13774.55

-10

3.0%

13529.30

-10

3.0%

13580.00

-10

1.5%

13499.90

-10

1.5%

13620.00

-10

1.5%

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	460	+9.99	+2.22%	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	389	+5.48	+1.43%	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	435	+16.01	+3.82%	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	515	+5	+0.98%	0.01	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	516.5	+12.99	+2.58%	0.01	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	797.7	+21.5	+2.77%	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	592.1	+2.12	+0.36%	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	525.3	-0.58	-0.11%	0.01	0.18	233.64	89.86	23.94	1.43	6.77	10.85	51.5	238.82	3.1	85.75	28.05	6.4	3.46	89.66	59.45	45.87	10.2	49.56	1.12	1.8%	2.8	4.49%
SGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SGIC	380.5	+4.51	+1.2%	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	550	+3.99	+0.73%	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	577	0	0%	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	373.8	+13.79	+3.83%	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	509.33	7.9	1.65%	0.01	0.173	187.79	85.79	31.19	1.29	4.42	7.77	69.9	175.46	3.19	80.62	36.35	7.85	4.97	1,984.04	130.42	30.27	22.861	42.97	1.28	1.9%	2.63	4.1%
MED	515.75	5.24	1.32%	0.01	0.18	186.16	85.51	27.44	1.25	3.87	8.7	68.99	177.67	3.1	84.12	32.21	5.69	3.975	122.56	66.71	33.63	14.365	46.96	1.12	1.83%	2.8	4.32%
MAX	797.7	21.5	3.83%	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	45.87	120.42	57.72	3.88	3.28%	8.12	6.42%
MIN	373.8	-0.58	-0.11%	0.01	0.12	100.17	36.47	16.72	0.72	-4.03	1.32	51.5	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%