Reliable Nepal Life Insurance Limited

Life InsuranceMid Cap

NPR 451.00

NPR -1-0.22%

09:14 AM NPT · Jun 26, 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

452.00

High

453.00

Low

450.10

Prev Close

452.00

Volume

13,883

Turnover

Rs 6,261,894.4

Txns

Valuation · Q3 FY25/26

EPS Ann.

12.07

EPS TTM

11.06

BVPS

118.47

P/E Ann.

37.37

P/E TTM

40.78

Graham #

179.37

Capital

Mkt Cap

23.44 Arab

Total

5.2 Crore

Public

1.56 Crore

Promoter

3.64 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

3.61

ADX

49.2

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

463.47

SMA 50

462.88

Bands & Channels

BB Width %

6.72%

Volume & Flow

OBV

1,832,983

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

72,071

Shares Bought

Total Sell

72,071

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 44%

Distribution 56%

Accumulators

Quantity

29,336

Amount

13,274,092

Avg Rate

452.48

Rank

Brokers

#57#43#44#98

Distributors

Quantity

37,193

Amount

16,829,046

Avg Rate

452.48

Rank

Brokers

#22#63#11#86#52

Net Flow Impact:

-7,857units

(Rs. -3,554,953)

Net Flow by Timeframe

RNLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 105,119 ]

Buy Side

Total: 52,626

Broker

QTY

AVG

NET

10,791

453.02

+10,187

15.0%

8,625

452.14

+5,406

12.0%

7,765

450.87

+7,617

10.8%

4,059

451.60

+1,197

5.6%

3,209

453.09

+1,606

4.5%

2,345

453.73

+2,052

3.3%

2,155

457.00

+2,155

3.0%

2,100

451.92

+1,910

2.9%

2,034

452.02

+1,053

2.8%

1,921

453.71

+1,246

2.7%

1,759

453.37

+801

2.4%

1,744

452.61

+1,564

2.4%

1,500

452.30

+1,475

2.1%

1,409

450.47

+734

2.0%

1,210

456.98

+1,055

1.7%

Sell Side

Total: 52,493

Broker

QTY

AVG

NET

15,184

451.44

-12,821

21.1%

11,036

453.34

-11,036

15.3%

4,539

450.92

-3,196

6.3%

3,653

456.98

-3,131

5.1%

3,564

450.51

-1,799

5.0%

3,000

452.15

-1,547

4.2%

2,781

451.37

-2,381

3.9%

2,112

455.63

-1,922

2.9%

1,601

451.46

-1,459

2.2%

1,108

456.19

-173

1.5%

1,045

451.82

-822

1.4%

897

451.75

-685

1.2%

759

452.64

-223

1.1%

650

451.86

-340

0.9%

564

454.27

-364

0.8%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Goodwill & Intangible Assets	3,490	2,579	2,023	0	+35.29%
Property and Equipment	227,336	143,557	128,441	0	+58.36%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	0.00	2181.84	7176.41	0	-100.00%
Investment in Subsidiaries	404,000	200,000	200,000	0	+102.00%
Investment in Associates	0.00	0.00	0.00	0	-
Investments	21,668,202	18,723,637	15,370,393	0	+15.73%
Loans	705,291	560,222	447,223	0	+25.89%
Reinsurance Assets	17,620	27,744	0	0	-36.49%
Current Tax Assets	437,290	454,099	312,656	0	-3.70%
Insurance Receivables	5,691	1,393	1,393	0	+308.66%
Insurance Payable	0.00	29262.63	48818.33	0	-100.00%
Other Financial Assets	286,781	457,229	193,999	0	-37.28%
Other Assets	18,733	34,156	28,770	0	-45.15%
Cash and Cash Equivalent	625,390	375,607	201,164	0	+66.50%
Total Assets	24,399,825	20,982,404	16,893,237	0	+16.29%
Equity
Share Capital	5,196,800	4,640,000	4,640,000	0	+12.00%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	1,391,637	1,751,637	1,750,392	0	-20.55%
Catastrophe Reserves	276,834	207,947	154,639	0	+33.13%
Retained Earnings	683,021	1,118,876	664,686	0	-38.95%
Other Equity	47,642	75,361	16,849	0	-36.78%
Total Equity	7,595,935	7,793,821	7,226,566	0	-2.54%
Liabilities
Insurance & Contract Liabilities
Provisions	49,182	58,813	42,610	0	-16.38%
Gross Insurance Contract Liabilities	16,437,845	12,507,393	9,220,963	0	+31.43%
Other Financial Liabilities	122,604	504,473	310,742	0	-75.70%
Other Liabilities	143,958	88,640	43,538	0	+62.41%
Taxes & Funding
Deferred Tax Liabilities	50,301	0	0	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	16,803,890	13,188,583	9,666,671	0	+27.41%
Total Equity and Liabilities	24,399,825	20,982,404	16,893,237	0	+16.29%

Sector Peers — Life Insurance (21)

Peer Comparison

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 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)	P/E (TTM)	P/S	Retained Risk	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ALICL	440.1	-2.88	-0.65%	0.02	0.24	120.79	123.54	8.21	9	9.26	8.44	151.45	4.62	110.88	4.45	3.45	5.12	50.09	54.38	3.07	98.16	0.8	0.74%	8.95	8.16%
CLI	447.5	-0.72	-0.16%	0.02	0.35	114.75	113.74	9.46	4.4	9.6	8.55	148.58	5.32	98.88	5.4	4.75	5.41	48.54	54.44	4.1	95.55	1.65	1.48%	8.04	7.16%
CREST	1,198.9	+34.92	+3%	0.01	0.45	106.86	83.78	9.21	0.47	2.15	3.24	88.26	6.36	59.79	14.78	3.32	16.08	599.53	387.19	35.39	75.86	1.49	2.25%	2.05	3.1%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GMLI	1,167	-7.04	-0.6%	0.01	0.49	104.39	106.46	8.84	0.59	2.59	6.31	121.74	5.25	85.46	12.16	3.56	20.04	605.75	210.62	38.38	84.53	1.76	4.29%	2.49	6.08%
HLI	328.9	-2.09	-0.63%	0.03	0.25	116.41	127.37	8.06	8.51	3.81	3.68	98.18	4.63	113.15	6.16	1.5	4.14	94.78	92.91	2.54	97.49	0.36	0.35%	3.25	3.14%
ILI	421	-2.12	-0.5%	0.02	0.37	116.41	107.54	8.7	3.11	9.81	11.7	175.06	4.86	91.5	7.34	6	5.11	45.46	37.74	4.85	97.15	2.2	2.63%	8.55	10.19%
JLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LICN	804.9	+0.96	+0.12%	0.04	0.22	160.81	144.74	7.1	16.46	7.77	7.28	162.3	5.62	134.77	2.87	1.31	6.88	106.82	112.36	2.5	99.52	0.28	0.26%	4.77	4.47%
NLIC	747.5	+2.53	+0.34%	0.07	0.26	124.53	131.55	7.45	23.87	6.4	4.28	109.51	5.1	121.52	2.58	0.86	8.35	121.88	179.35	1.88	98.92	0.21	0.15%	5.19	3.47%
NLICL	567.1	+1.08	+0.19%	0.03	0.27	122.4	121.15	10.2	15.22	9.76	7.4	142.76	1.11	107.7	3.25	1.97	6.47	60.86	80.41	2.13	97.58	0.52	0.39%	8.13	6.17%
PLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PLIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PMLI	455.3	-2.89	-0.63%	0.02	0.31	108.87	111.9	9.54	3.11	6.91	7.07	131.6	4.07	93.97	8.39	5.43	5.9	69.75	68.03	6.74	96.26	1.68	1.72%	6.43	6.57%
RLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SJLIC	423	+0.38	+0.09%	0.02	0.3	119.69	123.71	8.59	8.31	8.79	7.68	143.81	5.42	108.57	6.55	2.84	4.96	50.63	57.03	2.56	98.51	0.85	0.74%	7.44	6.5%
SLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SNLI	438	-0.48	-0.11%	0.02	0.31	110.22	101.54	9.31	2.09	8.58	11.33	167.62	4.51	83.09	9.14	8.15	5.54	53.4	40.07	7.74	96.47	2.51	3.31%	8.4	11.1%
SRLI	383	-1.81	-0.47%	0.02	0.32	110.06	111.91	10.17	4.43	9.06	7.59	137.1	4.42	94.03	7.71	5.19	4.85	44.17	54.02	4.08	96.74	1.65	1.38%	8.25	6.92%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	601.71	1.53	-0%	0.03	0.318	118.17	116.07	8.83	7.66	7.27	7.27	136.77	4.71	100.25	6.98	3.72	7.604	150.13	109.888	8.92	94.83	1.23	1.51%	6.3	6.39%
MED	447.5	-0.72	-0.16%	0.02	0.31	116.41	113.74	8.84	4.43	8.58	7.4	142.76	4.86	98.88	6.55	3.45	5.54	60.86	68.03	4.08	97.15	1.49	1.38%	7.44	6.5%
MAX	1,198.9	34.92	3%	0.07	0.49	160.81	144.74	10.2	23.87	9.81	11.7	175.06	6.36	134.77	14.78	8.15	20.04	605.75	387.19	38.38	99.52	2.51	4.29%	8.95	11.1%
MIN	328.9	-7.04	-0.65%	0.01	0.22	104.39	83.78	7.1	0.47	2.15	3.24	88.26	1.11	59.79	2.58	0.86	4.14	44.17	37.74	1.88	75.86	0.21	0.15%	2.05	3.1%