Reliable Nepal Life Insurance Limited

Life InsuranceMid Cap

NPR 431.70

NPR -0.8-0.18%

09:14 AM NPT · Aug 7, 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

428.00

High

431.90

Low

428.00

Prev Close

432.50

Volume

8,967

Turnover

Rs 3,850,350.2

Txns

Valuation · Q3 FY25/26

EPS Ann.

12.07

EPS TTM

11.06

BVPS

118.47

P/E Ann.

35.77

P/E TTM

39.03

Graham #

179.37

Capital

Mkt Cap

22.43 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

Moderate

Momentum

RSI (14)

18.97

ADX

23.23

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

445.13

SMA 50

453.19

Bands & Channels

BB Width %

7.83%

Volume & Flow

OBV

1,610,167

Flow Analysis

[ Live 2026-08-07 ]

Total Buy

103,734

Shares Bought

Total Sell

103,734

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 35%

Distribution 65%

Accumulators

Quantity

38,627

Amount

16,760,489

Avg Rate

433.91

Rank

Brokers

#33#82#57#6#39

Distributors

Quantity

70,985

Amount

30,784,753

Avg Rate

433.68

Rank

Brokers

#34#58#17

Net Flow Impact:

-32,358units

(Rs. -14,024,264)

Net Flow by Timeframe

RNLI — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 151,145 ]

Buy Side

Total: 70,734

Broker

QTY

AVG

NET

13,193

434.20

+12,998

12.7%

9,091

433.45

+5,751

8.8%

8,867

431.62

+8,867

8.6%

5,702

436.75

+2,362

5.5%

4,700

430.91

+2,659

4.5%

4,334

433.19

+1,703

4.2%

4,003

438.06

+3,461

3.9%

3,473

435.02

+3,275

3.4%

3,287

433.35

+2,409

3.2%

2,927

435.96

+906

2.8%

2,867

434.36

+2,345

2.8%

2,582

431.21

+2,520

2.5%

2,198

434.70

+1,640

2.1%

1,851

432.99

+1,696

1.8%

1,659

434.71

+1,274

1.6%

Sell Side

Total: 80,411

Broker

QTY

AVG

NET

36,347

433.42

-29,014

35.0%

31,523

433.18

-29,096

30.4%

3,115

441.80

-2,886

3.0%

1,426

433.07

-678

1.4%

1,149

436.56

-449

1.1%

1,102

434.10

-1,002

1.1%

917

431.29

-867

0.9%

796

438.67

-533

0.8%

778

438.45

-73

0.8%

776

442.25

-734

0.8%

700

433.17

-700

0.7%

676

437.86

-152

0.7%

546

430.83

-34

0.5%

313

436.12

-240

0.3%

247

437.73

-115

0.2%

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	422	-2.8	-0.66%	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	443.9	+3.78	+0.86%	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	1,189	-5.01	-0.42%	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	1,105	+0.99	+0.09%	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	319.7	-0.19	-0.06%	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	412.4	+1.19	+0.29%	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	774.9	-1.09	-0.14%	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	739.8	-4.02	-0.54%	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	562	-7.98	-1.4%	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	437.5	-1.18	-0.27%	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	412.6	-1.62	-0.39%	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	414	-1.29	-0.31%	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	374	-1.01	-0.27%	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	585.14	-1.56	-0.25%	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	437.5	-1.18	-0.27%	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	1,189	3.78	0.86%	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	319.7	-7.98	-1.4%	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%