Reliable Nepal Life Insurance Limited

Life InsuranceMid Cap

NPR 438.10

NPR +0.1+0.02%

09:14 AM NPT · Sep 24, 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

436.00

High

439.00

Low

433.00

Prev Close

438.00

Volume

19,571

Turnover

Rs 8,540,671.5

Txns

214

Valuation · Q4 FY25/26

EPS Ann.

11.21

EPS TTM

11.21

BVPS

121.18

P/E Ann.

39.08

P/E TTM

39.08

Graham #

174.83

Capital

Mkt Cap

22.77 Arab

Total

5.2 Crore

Public

1.56 Crore

Promoter

3.64 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

72.9

ADX

29.14

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

423.29

SMA 50

432.39

Bands & Channels

BB Width %

12.37%

Volume & Flow

OBV

1,805,961

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

132,937

Shares Bought

Total Sell

132,937

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 51%

Distribution 49%

Accumulators

Quantity

49,764

Amount

21,971,072

Avg Rate

441.51

Rank

Brokers

#45#94#28#20

Distributors

Quantity

48,101

Amount

21,141,004

Avg Rate

439.51

Rank

Brokers

#44#72#17#52

Net Flow Impact:

+1,663units

(Rs. 830,068)

Net Flow by Timeframe

RNLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 180,341 ]

Buy Side

Total: 83,333

Broker

QTY

AVG

NET

22,504

443.29

+19,575

16.9%

9,850

440.88

+9,456

7.4%

9,810

442.23

+9,800

7.4%

7,600

436.10

+7,588

5.7%

5,673

438.27

+5,673

4.3%

5,577

437.80

+2,455

4.2%

3,316

439.06

+2,124

2.5%

2,750

441.13

+1,666

2.1%

2,724

441.37

+1,201

2.0%

2,517

441.14

+312

1.9%

2,440

438.81

+2,128

1.8%

2,226

438.12

+1,839

1.7%

2,200

439.99

+2,188

1.6%

2,096

439.06

+1,928

1.6%

2,050

438.05

+1,894

1.5%

Sell Side

Total: 97,008

Broker

QTY

AVG

NET

25,395

438.66

-22,295

19.1%

8,735

436.95

-1,800

6.6%

8,430

439.08

-8,430

6.3%

8,079

442.16

-6,579

6.1%

6,197

440.14

-5,975

4.7%

6,103

440.22

-3,965

4.6%

6,048

441.41

-3,578

4.5%

5,182

439.30

-4,297

3.9%

4,380

437.13

-2,865

3.3%

3,968

443.58

-3,664

3.0%

3,833

440.41

-673

2.9%

3,492

440.25

-3,480

2.6%

2,843

442.21

-1,470

2.1%

2,373

448.09

-794

1.8%

1,950

441.47

-1,634

1.5%

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	432.8	+5.81	+1.36%	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	440	+4.01	+0.92%	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	1,099	+4.05	+0.37%	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	990	-10	-1%	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	309.2	+2.3	+0.75%	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	428	+0.98	+0.23%	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	800.9	+9.03	+1.14%	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	745	+1.64	+0.22%	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	581.4	+9.38	+1.64%	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	423	+2.98	+0.71%	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	415	0	0%	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	421	+4	+0.96%	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	373.8	+5.81	+1.58%	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	573.78	3.08	0.68%	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	432.8	4	0.75%	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	1,099	9.38	1.64%	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	309.2	-10	-1%	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%