Reliable Nepal Life Insurance Limited

Life InsuranceMid Cap

NPR 461.00

NPR -2.5-0.54%

09:13 AM NPT · May 13, 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

457.90

High

464.50

Low

455.20

Prev Close

463.50

Volume

5,804

Turnover

Rs 2,674,450.9

Txns

182

Valuation · Q2 FY25/26

EPS Ann.

15.24

EPS TTM

11.85

BVPS

117.05

P/E Ann.

30.25

P/E TTM

38.90

Graham #

200.34

Capital

Mkt Cap

23.96 Arab

Total

5.2 Crore

Public

1.56 Crore

Promoter

3.64 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

50.98

ADX

12.95

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

462.3

SMA 50

473.98

Bands & Channels

BB Width %

3.97%

Volume & Flow

OBV

1,919,677

Flow Analysis

[ Live 2026-05-13 ]

Total Buy

53,469

Shares Bought

Total Sell

53,469

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 40%

Distribution 60%

Accumulators

Quantity

15,855

Amount

7,343,871

Avg Rate

463.19

Rank

Brokers

#88#4#100

Distributors

Quantity

23,378

Amount

10,812,341

Avg Rate

462.50

Rank

Brokers

#66#58#45#18#48#16

Net Flow Impact:

-7,523units

(Rs. -3,468,470)

Net Flow by Timeframe

RNLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 74,631 ]

Buy Side

Total: 38,766

Broker

QTY

AVG

NET

5,872

463.20

+5,860

11.0%

5,694

462.63

+5,404

10.7%

100

4,289

463.92

+4,289

8.0%

4,123

464.23

+3,877

7.7%

3,047

464.56

+1,256

5.7%

2,947

463.36

+1,480

5.5%

2,426

465.45

+1,162

4.5%

1,858

459.84

+1,858

3.5%

1,768

463.33

+1,636

3.3%

1,290

459.12

+1,254

2.4%

1,286

459.82

+551

2.4%

1,196

463.67

+454

2.2%

1,098

459.80

+525

2.0%

1,019

462.51

+515

1.9%

853

462.94

+676

1.6%

Sell Side

Total: 35,865

Broker

QTY

AVG

NET

8,068

461.88

-8,066

15.1%

4,586

461.42

-2,663

8.6%

3,929

464.35

-2,362

7.3%

2,528

464.02

-1,210

4.7%

2,348

460.44

-2,240

4.4%

2,281

463.44

-2,281

4.3%

2,251

458.30

-1,234

4.2%

2,166

465.00

-1,676

4.0%

1,294

465.69

-861

2.4%

1,234

462.96

-1,128

2.3%

1,232

464.69

-486

2.3%

1,226

461.15

-1,226

2.3%

1,025

461.96

-1,025

1.9%

962

465.93

-840

1.8%

735

462.49

-8

1.4%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Goodwill & Intangible Assets	3,321,032	1,880,471	2,102,460	0	+76.61%
Property and Equipment	222,558,721	139,160,881	125,221,730	0	+59.93%
Investment Properties	0.00	0.00	0.00	75048000.00	-
Deferred Tax Assets	0.00	0.00	20340688.00	0	-
Investment in Subsidiaries	200,000,000	200,000,000	200,000,000	0	0.00%
Investment in Associates	0.00	0.00	0.00	0	-
Investments	21,089,924,255	17,871,141,058	14,574,036,734	8,288,257,000	+18.01%
Loans	678,776,598	519,789,605	421,954,905	215,020,000	+30.59%
Reinsurance Assets	33,111,094	370,212	0	0	+8843.82%
Current Tax Assets	423,845,111	391,219,803	287,287,974	0	+8.34%
Insurance Receivables	1,507,883	1,437,266	35,240,870	0	+4.91%
Insurance Payable	11,263,395	68,985,836	21,351,446	0	-83.67%
Other Financial Assets	413,637,059	264,015,270	261,107,318	0	+56.67%
Other Assets	18,031,802	29,860,192	28,385,382	2,452,614,000	-39.61%
Cash and Cash Equivalent	385,706,456	303,889,802	197,921,296	221,123,000	+26.92%
Total Assets	23,470,420,011	19,722,764,560	16,153,599,357	11,252,062,000	+19.00%
Equity
Share Capital	5,196,800,000	4,640,000,000	4,000,000,000	2,800,000,000	+12.00%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	1,391,637,455	1,750,392,038	1,750,392,038	0	-20.50%
Catastrophe Reserves	269,380,180	198,530,280	143,707,545	129,354,000	+35.69%
Retained Earnings	616,682,141	1,044,783,328	1,238,582,119	1,288,963,000	-40.98%
Other Equity	59,200,799	99,240,168	55,688,120	5,629,671,000	-40.35%
Total Equity	7,533,700,575	7,732,945,814	7,188,369,822	9,847,988,000	-2.58%
Liabilities
Insurance & Contract Liabilities
Provisions	49,596,225	44,059,591	45,721,039	598,396,000	+12.57%
Gross Insurance Contract Liabilities	15,406,928,667	11,631,792,516	8,537,960,116	0	+32.46%
Other Financial Liabilities	257,445,823	148,850,728	326,117,739	0	+72.96%
Other Liabilities	163,888,127	86,471,556	34,079,193	805,678,000	+89.53%
Taxes & Funding
Deferred Tax Liabilities	47,597,199	9,658,519	0	0	+392.80%
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0.00	-
Total Liabilities	15,936,719,436	11,989,818,746	8,965,229,533	1,404,074,000	+32.92%
Total Equity and Liabilities	23,470,420,011	19,722,764,560	16,153,599,355	11,252,062,000	+19.00%

Sector Peers — Life Insurance (21)

Peer Comparison

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)%
ALICL	455.9	+1.91	+0.42%	0.02	0.23	124.65	-	10.54	8.45	153.95	-	0%	-	4.03%	7.64	45.16	0	42.01	52.4	7.28	0.94%	0.75%	10.08%	8.08%
CLI	455	-1	-0.22%	0.02	0.37	112.2	-	9.26	8.51	146.57	-	0%	-	4.64%	8.47	51.3	0	49.34	53.69	9.53	1.68%	1.56%	8.74%	8.04%
CREST	1,106	-31.04	-2.73%	0.01	0.51	106.81	-	3.13	4.06	98.78	-	0%	-	4.91%	23.13	394.57	4.06	424.28	327.09	77.55	2.5%	3.24%	3.5%	4.54%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GMLI	1,290	-10.01	-0.77%	0.01	0	104.21	-	3.53	8.25	139.08	-	0%	-	4,876.37%	32.74	483.31	0	490.08	209.7	85,305	2.74%	6.42%	4.02%	9.4%
HLI	339.9	-1.09	-0.32%	0.03	0.25	115.41	-	4.59	4.13	103.56	-	0%	-	1.81%	6.36	79.96	0	78.65	87.41	5.88	0.44%	0.41%	3.9%	3.56%
ILI	436	-0.09	-0.02%	0.02	0.37	114.48	-	10.83	11.72	173.75	-	0%	-	6.81%	7.68	40.58	35.82	40.12	37.07	11.06	2.52%	2.73%	8.78%	9.51%
JLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LICN	812	0	0%	0.04	0	159.09	-	8.17	7.25	161.09	-	0%	-	1,367.14%	10.72	104.33	0	100.98	113.79	5,682.67	0.3%	0.27%	6.14%	5.45%
NLIC	762.2	-6.38	-0.83%	0.07	0.28	123.29	-	7.11	22.38	249.16	-	0%	-	5.54%	12.56	108.86	0	105.49	33.51	4.1	1.56%	0.83%	33.68%	17.99%
NLICL	585	-5.02	-0.85%	0.03	0.28	120.12	-	10.08	7.39	141.33	-	0%	-	2%	9.58	57.09	0	56.45	77	4.57	0.56%	0.41%	8.56%	6.28%
PLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PLIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PMLI	465	-3	-0.64%	0.02	0.33	106.32	-	5.02	6.05	120.3	-	0%	-	3.91%	9.06	95.92	0	97.01	80.5	15.02	1.28%	1.56%	4.76%	5.75%
RLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SJLIC	430.2	-2.81	-0.65%	0.02	0.31	117.82	-	8.06	7.1	137.19	-	0%	-	2.62%	7.44	54.4	18.25	53.66	60.92	5.71	0.8%	0.71%	6.94%	6.12%
SLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SNLI	450	-2.99	-0.66%	0.02	0.18	115.6	-	11.35	10.84	167.91	-	0%	-	18.31%	8.22	41.88	0	39.82	41.7	30.69	3.26%	3.12%	10.62%	10.16%
SRLI	391	-1.89	-0.48%	0.02	0.34	108.8	-	11.01	8.41	143.48	-	0%	-	6.26%	7.39	36.51	1.98	34.92	45.72	9.14	2.1%	1.61%	9.98%	7.63%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	613.71	-4.88	-0.6%	0.03	0.265	117.6	-	7.9	8.81	148.93	-	0%	-	484.95%	11.615	122.605	4.624	124.062	93.885	7,012.938	1.59%	1.82%	9.21%	7.89%
MED	455.9	-2.81	-0.64%	0.02	0.28	115.41	-	8.17	8.25	143.48	-	0%	-	4.91%	8.47	57.09	0	56.45	60.92	9.53	1.56%	1.56%	8.56%	7.63%
MAX	1,290	1.91	0.42%	0.07	0.51	159.09	-	11.35	22.38	249.16	-	0%	-	4,876.37%	32.74	483.31	35.82	490.08	327.09	85,305	3.26%	6.42%	33.68%	17.99%
MIN	339.9	-31.04	-2.73%	0.01	0	104.21	-	3.13	4.06	98.78	-	0%	-	1.81%	6.36	36.51	0	34.92	33.51	4.1	0.3%	0.27%	3.5%	3.56%