Rastriya Beema Company Limited

Non Life InsuranceHigh Cap

NPR 14,200.00

NPR +470+3.42%

08:46 AM NPT · Nov 6, 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

14,000.00

High

14,200.00

Low

14,000.00

Prev Close

13,730.00

Volume

116

Turnover

Rs 1,642,400

Txns

Valuation · Q4 FY25/26

EPS Ann.

129.18

EPS TTM

129.18

BVPS

6,407.05

P/E Ann.

109.92

P/E TTM

109.92

Graham #

4,315.37

Capital

Mkt Cap

37.86 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

Moderate

Momentum

RSI (14)

54.3

ADX

23.69

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

14025.46

SMA 50

13857.75

Bands & Channels

BB Width %

6.98%

Volume & Flow

OBV

42,269

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

243

Shares Bought

Total Sell

243

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 56%

Distribution 44%

Accumulators

Quantity

100

Amount

1,416,200

Avg Rate

14162.00

Rank

#13

Brokers

Distributors

Quantity

Amount

1,123,371

Avg Rate

14042.14

Rank

#13

Brokers

#49

Net Flow Impact:

+20units

(Rs. 292,829)

Net Flow by Timeframe

RBCL — Broker Breakdown (7D)

10 Buyers10 Sellers

[ Vol: 418 ]

Buy Side

Total: 198

Broker

QTY

AVG

NET

100

14162.00

+100

41.1%

13803.05

+10

8.2%

14102.00

+15

6.2%

13877.00

+10

4.1%

13940.00

4.1%

13730.00

+10

4.1%

13502.20

+10

4.1%

14100.00

+10

4.1%

13661.45

3.3%

13580.10

2.1%

Sell Side

Total: 220

Broker

QTY

AVG

NET

14042.14

-65

32.9%

13667.30

-25

10.3%

14200.00

-11

8.6%

14076.50

-10

8.2%

14050.00

-20

8.2%

14140.00

-20

8.2%

13999.00

-10

4.1%

14000.10

-10

4.1%

14293.00

-10

4.1%

13654.70

-4

1.6%

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	444.3	+0.89	+0.2%	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	389.2	-4.29	-1.09%	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	435.6	-3.38	-0.77%	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	517.1	-2.39	-0.46%	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	495	+2.02	+0.41%	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	775	-4.99	-0.64%	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	585.9	+0.88	+0.15%	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	523	+3.48	+0.67%	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	387.4	+0.31	+0.08%	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	532.6	-1.39	-0.26%	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	607	+3.08	+0.51%	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	361.5	+0.51	+0.14%	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	504.47	-0.44	-0.09%	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	506.05	0.41	0.11%	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	775	3.48	0.67%	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	361.5	-4.99	-1.09%	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%