Rastriya Beema Company Limited

Non Life InsuranceHigh Cap

NPR 14,900.00

NPR -131-0.87%

09:13 AM NPT · May 14, 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

15,001.10

High

15,001.10

Low

14,900.00

Prev Close

15,031.00

Volume

Turnover

Rs 673,521

Txns

Valuation · Q2 FY25/26

EPS Ann.

132.96

EPS TTM

96.84

BVPS

6,461.26

P/E Ann.

112.06

P/E TTM

153.86

Graham #

4,396.53

Capital

Mkt Cap

39.73 Arab

Total

26.66 Lakh

Public

3.27 Lakh

Promoter

23.39 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Moderate

Momentum

RSI (14)

47.16

ADX

20.42

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

15172.75

SMA 50

15366.38

Bands & Channels

BB Width %

6.29%

Volume & Flow

OBV

41,653

Flow Analysis

[ Live 2026-05-14 ]

Total Buy

2,281

Shares Bought

Total Sell

2,281

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 43%

Distribution 57%

Accumulators

Quantity

332

Amount

5,072,390

Avg Rate

15278.28

Rank

#10

Brokers

#33

Distributors

Quantity

440

Amount

6,712,609

Avg Rate

15255.93

Rank

Brokers

#85#8#51

Net Flow Impact:

-108units

(Rs. -1,640,219)

Net Flow by Timeframe

RBCL — Broker Breakdown (7D)

10 Buyers15 Sellers

[ Vol: 3,000 ]

Buy Side

Total: 2,143

Broker

QTY

AVG

NET

1,466

15485.30

+190

64.3%

332

15278.28

+332

14.6%

100

15494.60

+90

4.4%

100

15367.47

+100

4.4%

15017.20

+50

2.2%

15197.50

+40

1.8%

15520.00

1.1%

14900.00

+15

0.7%

15000.00

+10

0.4%

15025.00

0.2%

Sell Side

Total: 857

Broker

QTY

AVG

NET

210

15055.29

-190

9.2%

130

15404.28

-120

5.7%

100

15484.42

-100

4.4%

15494.35

-80

3.5%

15455.67

-52

2.6%

15490.00

-50

2.6%

15015.80

-20

2.2%

15021.57

-35

1.5%

15100.90

-30

1.3%

15035.05

-22

1.0%

15200.30

-20

0.9%

15272.00

-10

0.9%

15468.80

-20

0.9%

15500.00

-10

0.4%

15505.00

-10

0.4%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Goodwill & Intangible Assets	8,768,085	0	0	0	-
Property and Equipment	56,980,442	58,572,233	46,980,700	42,271,000	-2.72%
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	17,941,961,582	18,471,038,257	21,166,088,737	1,464,222,000	-2.86%
Loans	577,817,779	591,098,726	422,869,874	0	-2.25%
Reinsurance Assets	2,891,700,635	2,504,767,384	0	0	+15.45%
Current Tax Assets	49,085,429	0	0	0	-
Insurance Receivables	52,308,995	0	0	0	-
Other Financial Assets	37,068,681	0	0	0	-
Other Assets	2,877,034,167	2,633,421,094	1,410,721,764	7,157,771,000	+9.25%
Cash and Cash Equivalent	790,903,397	48,915,151	15,619,536	80,186,000	+1516.89%
Total Assets	25,283,629,192	24,307,812,845	23,062,280,611	8,744,450,000	+4.01%
Equity
Share Capital	266,639,059	266,639,059	266,639,059	266,639,000	0.00%
Share Application Money Pending Allotment	13,510,600	0	0	0	-
Share Premium	0.00	0.00	0.00	0	-
Catastrophe Reserves	3,943,305,839	3,797,238,641	3,266,829,259	0	+3.85%
Retained Earnings	2,553,336,063	2,442,958,631	3,532,681,173	3,572,354,000	+4.52%
Other Equity	10,451,461,254	10,352,302,942	13,796,560,256	2,854,022,000	+0.96%
Total Equity	17,228,252,815	16,859,139,273	20,862,709,747	6,693,015,000	+2.19%
Liabilities
Insurance & Contract Liabilities
Provisions	2,913,013,062	3,099,397,645	716,121,757	1,758,330,000	-6.01%
Gross Insurance Contract Liabilities	3,756,862,418	3,181,069,287	1,007,858,087	0	+18.10%
Insurance Payable	96,262,627	0	0	0	-
Other Financial Liabilities	20,048	0	0	0	-
Other Liabilities	1,289,218,222	1,168,206,640	475,591,020	293,105,000	+10.36%
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	0.00	-
Total Liabilities	8,055,376,377	7,448,673,572	2,199,570,864	2,051,435,000	+8.15%
Total Equity and Liabilities	25,283,629,192	24,307,812,845	23,062,280,611	8,744,450,000	+4.01%

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	536.5	+6.78	+1.28%	-	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	421	-3.99	-0.94%	-	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	485	-7.49	-1.52%	-	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	611.3	+1.28	+0.21%	-	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	573.9	-1.09	-0.19%	-	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%
NMIC	1,000	-15.95	-1.57%	-	0.14	101.65	-	3.61	1.99	67.46	-	0%	-	21.06%	24.4	343.49	0.09	362.88	658.29	289.04	3.02%	1.67%	4.18%	2.31%
PIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PRIN	654	+0.2	+0.03%	-	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%
SALICO	583	-6.01	-1.02%	-	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	459	-3	-0.65%	-	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	612	-4	-0.65%	-	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	710.1	-3.93	-0.55%	-	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	440.9	-0.09	-0.02%	-	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	590.56	-3.11	-0.47%	-	0.142	186.02	-	-1.77	8.19	177.25	-	0%	-	-1,630.3%	7.986	286.615	0.008	284.018	157.397	5,652.569	-0.18%	1.91%	-0.82%	4.23%
MED	578.45	-3.47	-0.6%	-	0.155	186.45	-	0.6	7.71	168.62	-	0%	-	0.88%	5.955	127.015	0	127.885	68.925	38.365	0.15%	1.62%	0.3%	4.23%
MAX	1,000	6.78	1.28%	-	0.24	241.32	-	14.85	15.53	278.77	-	0%	-	25.88%	24.4	1,277.18	0.09	1,256.41	658.29	35,840	3.56%	3.41%	7.52%	7.49%
MIN	421	-15.95	-1.57%	-	0	101.65	-	-12.72	1.34	67.46	-	0%	-	-15,930.16%	4.75	-204.41	0	-201.96	31.87	18.39	-2.86%	0.3%	-6.5%	0.73%