Reliable Nepal Life Insurance Limited

Life InsuranceMid Cap

NPR 446.00

NPR -3-0.67%

09:14 AM NPT · Nov 6, 2026

Est. Mangsir 08, 2064 B.S. · Kathmandu Metropolitan City-1, Kathmandu, Nepal · CEO: Narayan Babu Lohani

Reliable Nepal Insurance Limited (RNIL) is a prominent non-life insurance company in Nepal, established to provide comprehensive general insurance solutions that protect individuals, businesses, and institutions from financial risks. Operating under the supervision of the Nepal Insurance Authority, the company has built a strong reputation for reliability, efficient claim settlement, and customer-focused services. Headquartered in Kathmandu, Reliable Nepal Insurance offers a wide portfolio of insurance products, including motor, fire and property, marine, engineering, agriculture and livestock, medical, travel, and miscellaneous liability insurance. Its expanding branch network across Nepal ensures broad accessibility and timely service delivery to both urban and rural customers. The company emphasizes responsible underwriting, modern risk management, and digital service enhancement. With a commitment to transparency, financial stability, and innovation, Reliable Nepal Insurance Limited continues to strengthen its presence in Nepal’s non-life insurance sector while contributing to national economic resilience and public risk protection.

reliablelife.com.np/facebook

Trading

Open

447.20

High

450.00

Low

445.20

Prev Close

449.00

Volume

11,005

Turnover

Rs 4,914,555.4

Txns

Valuation · Q4 FY25/26

EPS Ann.

11.21

EPS TTM

11.21

BVPS

121.18

P/E Ann.

39.79

P/E TTM

39.79

Graham #

174.83

Capital

Mkt Cap

23.85 Arab

Total

5.35 Crore

Public

1.6 Crore

Promoter

3.74 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

49.28

ADX

67.59

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

449.85

SMA 50

435.68

Bands & Channels

BB Width %

6.07%

Volume & Flow

OBV

1,745,022

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

96,844

Shares Bought

Total Sell

96,844

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 49%

Distribution 51%

Accumulators

Quantity

48,396

Amount

21,844,798

Avg Rate

451.38

Rank

Brokers

#20#53#43

Distributors

Quantity

50,909

Amount

23,017,652

Avg Rate

452.13

Rank

Brokers

#33#72#29#83#6

Net Flow Impact:

-2,513units

(Rs. -1,172,854)

Net Flow by Timeframe

RNLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 151,963 ]

Buy Side

Total: 76,720

Broker

QTY

AVG

NET

28,003

450.94

+28,003

28.9%

13,362

453.03

+13,350

13.8%

7,031

449.96

+6,982

7.3%

4,171

450.70

+3,141

4.3%

4,111

448.26

+3,927

4.2%

101

3,386

450.33

+3,361

3.5%

2,633

453.03

+414

2.7%

2,269

451.02

+1,120

2.3%

2,150

451.34

+1,707

2.2%

2,031

450.74

+838

2.1%

100

2,000

452.70

+1,988

2.1%

1,740

448.54

+307

1.8%

1,333

449.73

+472

1.4%

1,332

449.01

+1,196

1.4%

1,168

451.65

+414

1.2%

Sell Side

Total: 75,243

Broker

QTY

AVG

NET

31,504

453.97

-31,178

32.5%

9,512

449.49

-9,256

9.8%

5,676

448.63

-1,990

5.9%

4,492

450.58

-2,279

4.6%

3,407

451.37

-2,875

3.5%

3,263

447.80

-2,736

3.4%

3,223

447.21

-3,223

3.3%

2,840

449.61

-2,095

2.9%

2,212

450.00

-2,212

2.3%

1,912

448.01

-1,912

2.0%

1,666

451.06

-1,456

1.7%

1,565

449.20

-459

1.6%

1,421

450.08

-421

1.5%

1,338

446.61

-1,069

1.4%

1,212

452.98

-1,212

1.3%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Goodwill & Intangible Assets	4,042	2,538	2,262	0	+59.28%
Property and Equipment	260,582	223,477	124,480	0	+16.60%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	0.00	0.00	7200.26	0	-
Investment in Subsidiaries	404,000	200,000	200,000	0	+102.00%
Investment in Associates	0.00	0.00	0.00	0	-
Investments	24,074,890	19,286,054	16,211,532	0	+24.83%
Loans	711,117	580,590	461,789	0	+22.48%
Reinsurance Assets	44,517	21,779	0	0	+104.40%
Current Tax Assets	470,767	381,760	336,108	0	+23.31%
Insurance Receivables	21,874	38,823	1,393	0	-43.66%
Insurance Payable	0.00	23491.34	21795.93	0	-100.00%
Other Financial Assets	411,393	552,784	226,403	0	-25.58%
Other Assets	38,250	16,301	34,370	0	+134.65%
Cash and Cash Equivalent	313,864	558,212	286,658	0	-43.77%
Total Assets	26,755,296	21,862,318	17,892,194	0	+22.38%
Equity
Share Capital	5,196,800	5,196,800	4,640,000	0	0.00%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	1,391,637	1,391,637	1,750,392	0	0.00%
Catastrophe Reserves	287,402	222,269	163,245	0	+29.30%
Retained Earnings	813,439	789,984	741,259	0	+2.97%
Other Equity	27,382	63,104	75,063	0	-56.61%
Total Equity	7,716,661	7,663,795	7,369,960	0	+0.69%
Liabilities
Insurance & Contract Liabilities
Provisions	48,158	51,678	41,929	0	-6.81%
Gross Insurance Contract Liabilities	17,939,475	13,627,180	10,052,413	0	+31.64%
Other Financial Liabilities	963,507	336,559	367,576	0	+186.28%
Other Liabilities	51,360	110,111	38,521	0	-53.36%
Taxes & Funding
Deferred Tax Liabilities	36,134	49,505	0	0	-27.01%
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	19,038,635	14,198,523	10,522,234	0	+34.09%
Total Equity and Liabilities	26,755,296	21,862,318	17,892,194	0	+22.38%

Sector Peers — Life Insurance (21)

Peer Comparison

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 Expense Ratio	Debt to Equity	EPS (Annualized)	EPS (TTM)	Graham's Number	Investment Yield	Loss Ratio	Management Expense Ratio	Net Profit Margin	P/B	P/E (Annualized)	PEG	P/E (TTM)	P/S	Retained Risk	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ALICL	422.2	-1.78	-0.42%	0.02	0.24	116.29	122.87	8.43	9.17	7.89	7.89	143.68	6.13	110.07	4.37	2.89	3.6	53.11	-	54.87	1.54	98.11	0.69	0.69%	7.82	7.82%
CLI	442	+1.5	+0.34%	0.02	0.36	115.36	113.66	9.51	4.83	7.82	7.82	142.47	6.68	99.28	4.87	3.49	3.77	55.64	-	56.25	1.95	95.76	1.25	1.25%	6.49	6.49%
CREST	1,192	+147.12	+14.08%	0.01	0.42	96.51	90.84	9.42	0.6	0.34	0.34	27.17	7.62	66.7	14.72	0.54	12.17	3,455	-	3,250	18.84	75.47	0.22	0.22%	0.33	0.33%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GMLI	886	-1.51	-0.17%	0.01	0.48	104.58	101.43	8.92	0.66	2.14	2.14	70.96	6.87	80.96	11.55	2.79	11.19	546.68	-	481.31	15.27	84.43	1.34	1.34%	2.02	2.02%
HLI	303	-0.3	-0.1%	0.03	0.25	116.61	124.55	8.31	8.85	3.48	3.48	95.55	6.03	110.57	5.67	1.29	2.76	92.47	-	91.09	1.2	98.04	0.32	0.32%	3.03	3.03%
ILI	443	+0.31	+0.07%	0.02	0.37	120.69	104.38	8.98	3.32	11.68	11.68	178.09	5.93	88.54	6.86	6.45	3.38	34.93	409	36.81	2.25	96.45	2.42	2.42%	9.78	9.78%
JLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LICN	799	+2.07	+0.26%	0.04	0.22	162.36	141.93	7.21	16.74	7.38	7.38	164.19	7.4	131.75	2.97	1.21	4.86	107.02	3.86	110.16	1.3	99.51	0.26	0.26%	4.48	4.48%
NLIC	740	+1.03	+0.14%	0.07	0.27	124.71	127.59	7.71	23.7	4.91	4.91	117.38	6.88	117.56	2.32	0.62	6.01	152.71	-	149.69	0.96	98.92	0.17	0.17%	3.97	3.97%
NLICL	580	-0.99	-0.17%	0.03	0.29	121.71	120.25	9.39	15.83	6.51	6.51	133.52	6.41	107.85	3.01	1.17	4.76	88.94	-	89.4	1.04	97.23	0.33	0.33%	5.45	5.45%
PLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PLIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PMLI	429	+1.58	+0.37%	0.02	0.32	110.87	105.63	9.63	3.33	7.08	7.08	132.9	4.87	88.23	7.77	4.99	3.91	61.17	-	60.99	3.06	96.41	1.61	1.61%	6.46	6.46%
RLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SJLIC	429.9	-0.3	-0.07%	0.02	0.31	121.29	120.27	8.79	9.02	7.59	7.59	143.92	6.75	105.44	6.04	2.22	3.41	54.41	6.46	55.44	1.21	98.32	0.68	0.68%	6.35	6.35%
SLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SNLI	416	+2.19	+0.53%	0.02	0.3	111.53	103.88	9.55	2.27	7.92	7.92	140.98	5.95	85.52	8.81	7.16	3.78	53.3	-	52.9	3.82	96.04	2.13	2.13%	6.92	6.92%
SRLI	378.1	+1.09	+0.29%	0.02	0.33	110.88	109.38	10.44	4.79	7.65	7.65	138.15	5.42	91.89	7.05	3.99	3.42	49.52	30.91	49.15	1.98	97.07	1.31	1.31%	6.93	6.93%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	573.86	11.69	1.17%	0.03	0.32	117.95	114.36	8.95	7.93	6.34	6.34	125.3	6.38	98.8	6.62	2.99	5.155	369.61	112.558	349.082	4.186	94.75	0.98	0.98%	5.39	5.39%
MED	442	1.03	0.14%	0.02	0.31	116.29	113.66	8.98	4.83	7.38	7.38	138.15	6.41	99.28	6.04	2.79	3.78	61.17	18.685	60.99	1.95	97.07	0.69	0.69%	6.35	6.35%
MAX	1,192	147.12	14.08%	0.07	0.48	162.36	141.93	10.44	23.7	11.68	11.68	178.09	7.62	131.75	14.72	7.16	12.17	3,455	409	3,250	18.84	99.51	2.42	2.42%	9.78	9.78%
MIN	303	-1.78	-0.42%	0.01	0.22	96.51	90.84	7.21	0.6	0.34	0.34	27.17	4.87	66.7	2.32	0.54	2.76	34.93	3.86	36.81	0.96	75.47	0.17	0.17%	0.33	0.33%