Rastriya Beema Company Limited

Non Life InsuranceHigh Cap

NPR 14,000.00

NPR +199+1.44%

08:35 AM NPT · Sep 24, 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

13,825.10

High

14,200.00

Low

13,825.00

Prev Close

13,801.00

Volume

Turnover

Rs 856,251

Txns

Valuation · Q4 FY25/26

EPS Ann.

129.18

EPS TTM

129.18

BVPS

6,407.05

P/E Ann.

108.38

P/E TTM

108.38

Graham #

4,315.37

Capital

Mkt Cap

37.33 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 Sell

Trend Analysis

Direction

Downtrend

Strength

Moderate

Momentum

RSI (14)

58.66

ADX

21.94

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

13638.39

SMA 50

14099.53

Bands & Channels

BB Width %

7.48%

Volume & Flow

OBV

42,029

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

343

Shares Bought

Total Sell

343

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 100%

Distribution 0%

Accumulators

Quantity

152

Amount

2,126,750

Avg Rate

13991.78

Rank

#12

Brokers

#43

Distributors

Quantity

Amount

Avg Rate

0.00

Rank

#13

Brokers

Net Flow Impact:

+152units

(Rs. 2,126,750)

Net Flow by Timeframe

RBCL — Broker Breakdown (7D)

7 Buyers15 Sellers

[ Vol: 646 ]

Buy Side

Total: 323

Broker

QTY

AVG

NET

152

13991.78

+152

44.3%

14142.13

+70

20.4%

14140.24

+41

11.9%

13801.00

+20

5.8%

14084.50

+20

5.8%

14000.00

+10

2.9%

14010.00

+10

2.9%

Sell Side

Total: 323

Broker

QTY

AVG

NET

14000.00

-40

11.7%

14010.00

-40

11.7%

14135.00

-40

11.7%

13887.13

-31

9.0%

14061.97

-20

8.8%

14000.00

-20

5.8%

14000.00

-10

5.8%

13801.00

-20

5.8%

14292.50

-20

5.8%

14000.00

-12

3.5%

14084.00

-10

2.9%

14190.00

-10

2.9%

14200.00

-10

2.9%

14000.00

-10

2.9%

13675.00

-10

2.9%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Goodwill & Intangible Assets	8,745	9,036	0	0	-3.21%
Property and Equipment	55,371	60,634	71,713	0	-8.68%
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	18,250,717	18,443,847	18,082,503	0	-1.05%
Loans	596,665	582,672	578,750	0	+2.40%
Reinsurance Assets	2,577,924	2,249,765	0	0	+14.59%
Current Tax Assets	94,768	0	0	0	-
Insurance Receivables	170,078	0	0	0	-
Other Financial Assets	143,901	0	0	0	-
Other Assets	2,755,429	2,693,745	1,298,917	0	+2.29%
Cash and Cash Equivalent	161,102	48,942	3,920	0	+229.17%
Total Assets	24,814,701	24,088,642	20,035,804	0	+3.01%
Equity
Share Capital	266,639	266,639	266,639	0	0.00%
Share Application Money Pending Allotment	30,458	13,511	0	0	+125.44%
Share Premium	0.00	0.00	0.00	0	-
Catastrophe Reserves	709,496	692,274	472,485	0	+2.49%
Retained Earnings	2,595,584	2,475,340	3,612,702	0	+4.86%
Other Equity	10,155,761	13,854,666	13,357,623	0	-26.70%
Total Equity	17,083,695	17,302,430	17,709,449	0	-1.26%
Liabilities
Insurance & Contract Liabilities
Provisions	3,008,824	2,852,179	870,033	0	+5.49%
Gross Insurance Contract Liabilities	3,346,477	2,924,229	952,269	0	+14.44%
Insurance Payable	58,133	0	0	0	-
Other Financial Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	1,317,571	1,009,805	504,052	0	+30.48%
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	7,731,005	6,786,212	2,326,355	0	+13.92%
Total Equity and Liabilities	24,814,701	24,088,642	20,035,804	0	+3.01%

Sector Peers — Non Life Insurance (24)

Peer Comparison

Non 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 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	473	-1.71	-0.36%	0.01	0.28	213.94	66.69	27.07	1.01	13.51	13.51	79.16	255.01	3.29	69.35	24.41	11.16	2.43	38.49	35.75	26.41	4.3	45.76	3.18	3.18%	6.37	6.37%
HGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
IGI	393	+0.71	+0.18%	0.01	0.18	179.53	91.69	40.8	1.65	0.13	0.13	72.18	22.92	4.14	100.81	31.68	0.17	2.5	3,453.85	3,138.46	29.76	6.04	33.11	0.03	0.03%	0.07	0.07%
IGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICL	456	-2.98	-0.65%	0.01	0.22	176.85	84.49	19.84	0.7	5	5	78.8	141.05	3.77	76.74	27.59	8.19	2.9	102.58	93.38	21.95	8.39	51.86	1.79	1.79%	3.08	3.08%
NIL	529.8	-3.2	-0.6%	0.01	0.22	226.33	75.01	18.22	0.94	10.4	10.4	66.61	230.13	2.98	66.7	26.53	11.3	2.7	58.65	51.49	34.99	6.63	58.82	2.49	2.49%	4.63	4.63%
NLG	512	-6.01	-1.16%	0.01	0.21	166.36	86.02	36.64	1.04	2.17	2.17	68.57	90.13	5.27	91.42	31.24	3.14	3.35	257.14	244.24	35.35	8.11	28.8	0.64	0.64%	1.28	1.28%
NMIC	821.8	-8.22	-0.99%	0.01	0.23	106.36	73.15	30.81	0.49	5.68	5.68	98.27	116.59	4.97	45.97	57.99	16.53	8.37	156.67	148.77	2,035.6	25.91	41.8	3.87	3.87%	5.51	5.51%
PIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PRIN	592	-9.87	-1.64%	0.01	0.14	193	41.17	29.73	1.08	13.33	13.33	59.09	240.59	6.45	34.87	36.03	24.37	3.46	50.12	45.23	37.84	12.22	39.73	3.41	3.41%	7.08	7.08%
SALICO	533	-7.02	-1.3%	0.01	0.23	232.72	81.06	23.27	1.06	11.94	11.94	53.84	250.04	3.98	79.83	24.5	9.62	2.6	50.67	45.64	81.07	4.88	49.14	2.25	2.25%	5.06	5.06%
SGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SGIC	385.1	-1.9	-0.49%	0.01	0.17	147.33	64.76	54.71	1.65	5.76	5.76	57.52	138.18	3.01	78.87	40.6	9.09	3.18	81.42	69.24	41.03	7.4	30.52	1.52	1.52%	3.94	3.94%
SIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SICL	552	-6.03	-1.08%	0.02	0.2	191.95	75.26	38.7	1.56	4.19	4.19	70.32	134.52	3.91	81.27	32.69	4.4	3.2	146.78	137.92	32.17	6.45	31.47	0.89	0.89%	2.21	2.21%
SIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SPIL	623	-6.99	-1.11%	0.02	0.17	260.26	84.04	24.47	1.78	11.65	11.65	60.08	261.19	3.98	76.37	32.14	10.54	2.85	63.61	54.51	36.13	6.71	49.06	1.82	1.82%	4.35	4.35%
UAIL	371.9	+1.89	+0.51%	0.01	0.22	188.01	79.81	24.68	1.08	2.73	2.73	88.01	107.46	2.63	72.74	31.75	3.49	2.3	158.61	139.93	16.79	5.54	44.37	0.76	0.76%	1.49	1.49%
UIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	520.22	-4.28	-0.72%	0.01	0.206	190.22	75.26	30.75	1.17	7.21	7.21	71.04	165.65	4.03	72.91	33.1	9.33	3.32	384.88	350.38	202.42	8.548	42.04	1.89	1.89%	3.76	3.76%
MED	520.9	-4.6	-0.82%	0.01	0.215	189.98	77.54	28.4	1.07	5.72	5.72	69.45	139.62	3.95	76.56	31.72	9.36	2.875	92	81.31	35.17	6.67	43.08	1.81	1.81%	4.15	4.15%
MAX	821.8	1.89	0.51%	0.02	0.28	260.26	91.69	54.71	1.78	13.51	13.51	98.27	261.19	6.45	100.81	57.99	24.37	8.37	3,453.85	3,138.46	2,035.6	25.91	58.82	3.87	3.87%	7.08	7.08%
MIN	371.9	-9.87	-1.64%	0.01	0.14	106.36	41.17	18.22	0.49	0.13	0.13	53.84	22.92	2.63	34.87	24.41	0.17	2.3	38.49	35.75	16.79	4.3	28.8	0.03	0.03%	0.07	0.07%