Reliable Nepal Life Insurance Limited

Life InsuranceMid Cap

NPR 458.00

NPR -3-0.65%

09:13 AM NPT · May 14, 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

461.00

High

464.00

Low

456.00

Prev Close

461.00

Volume

4,271

Turnover

Rs 1,958,611.2

Txns

183

Valuation · Q2 FY25/26

EPS Ann.

15.24

EPS TTM

11.85

BVPS

117.05

P/E Ann.

30.05

P/E TTM

38.65

Graham #

200.34

Capital

Mkt Cap

23.8 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)

50.32

ADX

14.51

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

461.69

SMA 50

472.73

Bands & Channels

BB Width %

3.71%

Volume & Flow

OBV

1,915,450

Flow Analysis

[ Live 2026-05-14 ]

Total Buy

47,501

Shares Bought

Total Sell

47,501

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 41%

Distribution 59%

Accumulators

Quantity

15,296

Amount

7,088,140

Avg Rate

463.40

Rank

Brokers

#88#4#100

Distributors

Quantity

21,593

Amount

9,992,505

Avg Rate

462.77

Rank

Brokers

#66#45#18#58#16#57

Net Flow Impact:

-6,297units

(Rs. -2,904,365)

Net Flow by Timeframe

RNLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 67,597 ]

Buy Side

Total: 35,761

Broker

QTY

AVG

NET

5,872

463.20

+5,848

12.4%

5,435

462.86

+5,250

11.4%

4,047

464.35

+3,779

8.5%

100

3,989

464.42

+3,989

8.4%

2,947

463.36

+2,275

6.2%

2,731

465.15

+874

5.8%

2,468

465.34

+1,242

5.2%

1,917

458.05

+1,781

4.0%

1,210

465.96

+1,065

2.5%

1,196

463.67

+476

2.5%

1,085

462.31

+908

2.3%

1,062

462.46

+653

2.2%

741

462.81

+58

1.6%

544

463.16

+175

1.1%

517

462.71

+481

1.1%

Sell Side

Total: 31,836

Broker

QTY

AVG

NET

8,092

461.87

-8,090

17.0%

3,673

462.30

-1,939

7.7%

3,452

465.20

-2,591

7.3%

2,446

463.97

-902

5.2%

2,281

463.44

-2,281

4.8%

2,166

464.98

-1,406

4.6%

1,929

459.78

-1,340

4.1%

1,226

461.14

-1,226

2.6%

1,207

464.81

-957

2.5%

1,088

464.99

-966

2.3%

1,025

461.96

-1,025

2.2%

1,020

467.25

-613

2.1%

830

460.75

-504

1.8%

723

465.69

-555

1.5%

678

466.48

-567

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	454.2	-1.69	-0.37%	-	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	452.8	-2.18	-0.48%	-	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	1,208	+101.98	+9.22%	-	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	1,279.9	-10.06	-0.78%	-	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	336.9	-2.99	-0.88%	-	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	434.9	-1.09	-0.25%	-	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	813.9	+1.87	+0.23%	-	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	763.4	+1.22	+0.16%	-	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	587.7	+2.69	+0.46%	-	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	461.6	-3.39	-0.73%	-	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	428	-2.19	-0.51%	-	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	449	-0.99	-0.22%	-	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	391.4	+0.39	+0.1%	-	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	620.13	6.43	0.46%	-	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	454.2	-1.09	-0.25%	-	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	1,279.9	101.98	9.22%	-	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	336.9	-10.06	-0.88%	-	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%