Sanima GIC Insurance Limited

Non Life InsuranceLow Cap

NPR 450.40

NPR -1.6-0.35%

09:13 AM NPT · Aug 10, 2026

Est. October 24, 2022 · 205 Tangal Marg, Tangal, P.O. Box 1622, Kathmandu, Nepal · CEO: Sudyumna Prasad Upadhyaya

Sanima GIC Insurance Limited is a leading non-life (general) insurance company in Nepal, formed through a joint venture between Sanima Group, one of Nepal’s reputable business houses, and GIC (General Insurance Corporation of India), one of Asia’s largest reinsurance companies. The company provides a wide range of general insurance products designed to safeguard individuals, businesses, and institutions against financial risks. Headquartered in Kathmandu, Sanima GIC Insurance offers comprehensive insurance services including motor insurance, fire and property insurance, marine and transit insurance, engineering and contractor’s all-risk insurance, liability coverage, agriculture and livestock insurance, travel and medical insurance, and other miscellaneous commercial risk solutions. The company is known for its strong underwriting standards, robust claims management system, and digital service integration, ensuring efficient and customer-centric operations. With professional expertise from its JV partner GIC Re and the strong local presence of the Sanima Group, Sanima GIC Insurance Limited has built a reputation for reliability, financial stability, and service excellence. As it expands its network across Nepal, the company continues to focus on innovation, responsible insurance practices, and delivering value-driven risk protection to its clients.

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Trading

Open

452.10

High

455.00

Low

450.00

Prev Close

452.00

Volume

5,603

Turnover

Rs 2,530,631.2

Txns

Valuation · Q3 FY25/26

EPS Ann.

3.19

EPS TTM

7.82

BVPS

153.04

P/E Ann.

141.19

P/E TTM

57.60

Graham #

104.81

Capital

Mkt Cap

9.68 Arab

Total

2.15 Crore

Public

1.05 Crore

Promoter

1.1 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

22.39

ADX

38.08

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

466.78

SMA 50

473.39

Bands & Channels

BB Width %

9.08%

Volume & Flow

OBV

2,244,020

Flow Analysis

[ Live 2026-08-10 ]

Total Buy

34,257

Shares Bought

Total Sell

34,257

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 44%

Distribution 56%

Accumulators

Quantity

12,216

Amount

5,560,263

Avg Rate

455.16

Rank

Brokers

#29#14#48#44

Distributors

Quantity

15,387

Amount

7,007,753

Avg Rate

455.43

Rank

Brokers

#63#68#58

Net Flow Impact:

-3,171units

(Rs. -1,447,490)

Net Flow by Timeframe

SGIC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 51,324 ]

Buy Side

Total: 23,703

Broker

QTY

AVG

NET

6,782

455.17

+6,682

19.8%

2,050

456.82

+1,813

6.0%

1,795

453.79

+1,785

5.2%

1,589

454.56

+1,559

4.6%

1,565

457.14

+969

4.6%

1,550

457.14

+1,500

4.5%

1,363

456.49

+103

4.0%

1,245

455.74

+567

3.6%

1,148

454.14

+934

3.4%

1,000

454.29

+164

2.9%

995

454.74

+965

2.9%

751

455.86

+402

2.2%

732

456.17

+693

2.1%

590

453.72

+490

1.7%

548

455.03

+223

1.6%

Sell Side

Total: 27,621

Broker

QTY

AVG

NET

7,560

454.50

-7,560

22.1%

3,944

456.29

-3,944

11.5%

3,883

456.38

-2,518

11.3%

2,396

453.22

-1,365

7.0%

1,533

456.18

-303

4.5%

1,521

453.74

-187

4.4%

1,201

451.61

-846

3.5%

1,190

458.54

-1,056

3.5%

1,052

453.84

-614

3.1%

1,035

456.96

-1,035

3.0%

545

455.13

-426

1.6%

530

452.75

-380

1.6%

522

457.47

-522

1.5%

500

458.10

-500

1.5%

209

456.44

-209

0.6%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Goodwill & Intangible Assets	41,822	41,194	42,006	0	+1.53%
Property and Equipment	104,741	125,904	86,626	0	-16.81%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	157,050	143,161	106,095	0	+9.70%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	3,358,217	3,463,501	3,207,452	0	-3.04%
Loans	21,960	20,028	14,216	0	+9.65%
Reinsurance Assets	3,470,820	3,916,284	2,829,975	0	-11.37%
Current Tax Assets	56,781	66,570	61,958	0	-14.71%
Insurance Receivables	675,007	424,448	572,129	0	+59.03%
Other Financial Assets	83,477	78,259	93,615	0	+6.67%
Other Assets	415,700	672,511	106,349	0	-38.19%
Cash and Cash Equivalent	500,498	273,589	442,640	0	+82.94%
Total Assets	8,886,073	9,225,449	7,563,061	0	-3.68%
Equity
Share Capital	2,150,000	2,000,000	2,000,000	0	+7.50%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	0.00	0.00	0.00	0	-
Catastrophe Reserves	48,510	701,401	35,342	0	-93.08%
Retained Earnings	192,758	289,681	181,863	0	-33.46%
Other Equity	899,080	175,249	635,925	0	+413.03%
Total Equity	3,290,348	3,166,331	2,853,131	0	+3.92%
Liabilities
Insurance & Contract Liabilities
Provisions	103,936	73,671	112,397	0	+41.08%
Gross Insurance Contract Liabilities	4,478,857	4,808,517	3,671,948	0	-6.86%
Insurance Payable	611,669	762,331	621,710	0	-19.76%
Other Financial Liabilities	52,194	43,573	38,677	0	+19.79%
Other Liabilities	349,068	371,026	265,198	0	-5.92%
Taxes & Funding
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	0.00	0.00	0.00	0	-
Total Liabilities	5,595,726	6,059,117	4,709,931	0	-7.65%
Total Equity and Liabilities	8,886,073	9,225,449	7,563,061	0	-3.68%

Sector Peers — Non Life Insurance (24)

Peer Comparison

Non 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 Income Ratio	Debt to Equity	EPS (Annualized)	EPS (TTM)	First Policy	Graham's Number	Investment Yield	Loss Ratio	Management Expense Ratio	Net Profit Margin	P/B	P/E (Annualized)	P/E (TTM)	Policy Retention	P/S	Retained Risk	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
AIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
HEI	531	-2.99	-0.56%	0.01	0.24	205.28	82.75	25.3	1.3	5.9	12.42	77.34	239.51	2.53	82.49	25.56	5.71	3.4	88.64	45.49	24.47	9.01	48.55	1.39	2.92%	2.89	6.1%
HGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
IGI	428	-2.02	-0.47%	0.01	0.16	182.72	95.09	35.23	1.64	0.02	3.31	70.23	116.65	3.18	100.23	30.09	0.02	3.23	22,150	139.18	28.29	11.49	39.26	-	0.77%	-	1.79%
IGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICL	506.9	+7.88	+1.58%	0.01	0.19	169.84	82.76	20.81	0.72	5.55	9.57	78.51	191.23	3.02	74.12	29.45	9.75	3.93	90.29	58.83	22.45	15.68	52.66	1.89	3.28%	3.56	6.14%
NIL	612	-3.88	-0.63%	0.02	0.2	219.08	78.07	23.25	1.01	7.89	12.46	64.86	247.83	2.16	73.58	27.74	9.73	3.9	81.12	52.66	36.01	14.05	57.72	1.91	3.02%	3.81	6.03%
NLG	568	-1.99	-0.35%	0.02	0.18	165.73	86.22	55.25	1.19	1.74	2.72	67.77	100.71	4.03	103.55	37.92	2.66	5.05	360.98	237.87	36.01	17.12	26.17	0.47	0.74%	1.07	1.67%
NMIC	898	-12.01	-1.32%	0.01	0.12	100.17	114.99	31.59	0.72	4.54	3.56	98.24	89.57	3.44	66.29	80.29	25.7	15.9	263.19	299.94	2.1	120.42	40.05	2.96	2.32%	4.51	3.54%
PIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PRIN	668	+2	+0.3%	0.01	0.14	209.55	36.47	29.58	1.15	16.58	13.12	57.22	248.72	5.9	30.1	35.95	28.41	4.42	41.86	53.58	37.14	21.14	47.28	3.88	3.07%	8.12	6.42%
RBCL	14,419	+208.89	+1.47%	0.04	0.04	6,524.1	106.34	105.37	0.46	144.49	120.36	47.81	4,203.32	2.22	119.43	92.28	39.07	3.18	107.62	127.2	8.17	74.76	17.04	1.55	1.28%	2.24	1.87%
SALICO	589	0	0%	0.02	0.18	233.64	89.86	23.94	1.43	6.77	10.85	-	238.82	3.1	85.75	28.05	6.4	3.46	89.66	59.45	-	10.2	49.56	1.12	1.8%	2.8	4.49%
SGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SICL	610.2	+1.1	+0.18%	0.02	0.18	189.6	84.8	35.7	1.62	3.03	5.36	70.21	151.21	3.23	86.99	33.51	3.62	4.46	209.24	122.5	31.25	13.48	32.54	0.64	1.14%	1.61	2.86%
SIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SPIL	685.5	-4.48	-0.65%	0.02	0.13	250.04	106.28	24.95	2.04	1.91	10.68	59.15	245.12	3.1	98.24	32.99	2.08	4.02	394.76	69.35	36.57	14.68	48.17	0.27	1.55%	0.73	4.15%
UAIL	432	-8.68	-1.97%	0.01	0.22	174.73	100.65	16.72	0.94	-4.03	1.32	87.54	72.04	2.18	85.94	31.43	-5.52	3.57	-116.1	362.12	22.41	11.41	46.63	-1.2	0.39%	-2.32	0.76%
UIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,745.63	15.32	-0.2%	0.02	0.165	718.71	88.69	35.64	1.18	16.2	17.14	70.81	512.06	3.17	83.89	40.44	10.64	4.877	1,980.1	135.681	25.9	27.787	42.14	1.35	1.86%	2.64	3.82%
MED	599.6	-2.01	-0.41%	0.02	0.18	197.44	88.04	27.44	1.17	5.05	10.13	70.21	215.02	3.1	85.85	32.21	6.06	3.915	98.96	95.925	28.29	14.365	46.96	1.39	1.68%	2.8	3.85%
MAX	14,419	208.89	1.58%	0.04	0.24	6,524.1	114.99	105.37	2.04	144.49	120.36	98.24	4,203.32	5.9	119.43	92.28	39.07	15.9	22,150	362.12	37.14	120.42	57.72	3.88	3.28%	8.12	6.42%
MIN	428	-12.01	-1.97%	0.01	0.04	100.17	36.47	16.72	0.46	-4.03	1.32	47.81	72.04	2.16	30.1	25.56	-5.52	3.18	-116.1	45.49	2.1	9.01	17.04	-1.2	0.39%	-2.32	0.76%