Sanima GIC Insurance Limited

Non Life InsuranceLow Cap

NPR 456.10

NPR -2.9-0.63%

08:31 AM NPT · May 15, 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

468.00

High

468.00

Low

453.10

Prev Close

459.00

Volume

1,954

Turnover

Rs 890,334.1

Txns

Valuation · Q2 FY25/26

EPS Ann.

-8.92

EPS TTM

6.18

BVPS

145.61

P/E Ann.

-51.13

P/E TTM

73.80

Graham #

N/A

Capital

Mkt Cap

9.81 Arab

Total

2.15 Crore

Public

1.05 Crore

Promoter

1.1 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

39.66

ADX

35.89

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

472

SMA 50

488.95

Bands & Channels

BB Width %

8.09%

Volume & Flow

OBV

2,288,016

Flow Analysis

[ Live 2026-05-14 ]

Total Buy

33,626

Shares Bought

Total Sell

33,626

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 57%

Distribution 43%

Accumulators

Quantity

15,083

Amount

6,973,886

Avg Rate

462.37

Rank

Brokers

#29#4#49

Distributors

Quantity

11,408

Amount

5,240,776

Avg Rate

459.39

Rank

Brokers

#28#42#45#13

Net Flow Impact:

+3,675units

(Rs. 1,733,110)

Net Flow by Timeframe

SGIC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 49,187 ]

Buy Side

Total: 24,675

Broker

QTY

AVG

NET

11,649

461.47

+9,935

34.6%

2,083

467.62

+1,550

6.2%

1,620

457.94

+909

4.8%

1,510

458.63

+894

4.5%

1,351

461.96

+1,155

4.0%

1,150

462.22

+1,129

3.4%

1,029

464.20

+1,029

3.1%

1,017

458.50

+1,017

3.0%

947

455.60

+165

2.8%

480

460.84

+439

1.4%

461

467.40

+461

1.4%

450

466.38

+123

1.3%

321

459.95

+257

0.9%

306

456.48

+306

0.9%

301

460.75

+291

0.9%

Sell Side

Total: 24,512

Broker

QTY

AVG

NET

4,520

455.05

-4,320

13.4%

2,547

463.09

-2,118

7.6%

2,395

462.08

-2,245

7.1%

1,946

461.33

-1,818

5.8%

1,724

463.63

-1,111

5.1%

1,646

461.36

-459

4.9%

1,520

465.32

-1,395

4.5%

1,494

466.72

-1,432

4.4%

1,471

462.25

-261

4.4%

1,231

455.23

-1,011

3.7%

1,223

463.05

-259

3.6%

1,000

465.00

-1,000

3.0%

675

456.21

-126

2.0%

560

466.76

-380

1.7%

560

463.26

-500

1.7%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Goodwill & Intangible Assets	42,258,970	41,412,325	42,204,835	0	+2.04%
Property and Equipment	118,040,432	133,973,732	85,127,500	104,346,000	-11.89%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	159,996,213	142,756,641	105,309,048	0	+12.08%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	3,282,371,014	3,415,184,231	3,173,912,038	118,108,000	-3.89%
Loans	20,356,401	18,280,496	13,372,881	0	+11.36%
Reinsurance Assets	4,146,019,879	4,341,980,752	3,280,453,716	0	-4.51%
Current Tax Assets	63,433,363	70,107,678	67,570,371	0	-9.52%
Insurance Receivables	784,314,462	402,935,955	416,687,694	0	+94.65%
Other Financial Assets	76,025,109	73,995,753	109,070,532	0	+2.74%
Other Assets	506,629,413	560,379,759	199,742,179	3,817,837,000	-9.59%
Cash and Cash Equivalent	608,468,026	253,627,425	339,310,320	144,527,000	+139.91%
Total Assets	9,807,913,282	9,454,634,747	7,832,761,114	4,184,818,000	+3.74%
Equity
Share Capital	2,150,000,000	2,000,000,000	2,000,000,000	2,000,000,000	+7.50%
Share Application Money Pending Allotment	0.00	0.00	0.00	0.00	-
Share Premium	0.00	0.00	0.00	0	-
Catastrophe Reserves	806,270,368	686,207,835	32,957,829	28,622,000	+17.50%
Retained Earnings	84,813,119	237,666,740	137,509,170	263,292,000	-64.31%
Other Equity	89,587,046	131,541,383	589,112,538	345,390,000	-31.89%
Total Equity	3,130,670,533	3,055,415,958	2,759,579,537	2,637,304,000	+2.46%
Liabilities
Insurance & Contract Liabilities
Provisions	95,429,451	106,013,376	97,990,501	884,564,000	-9.98%
Gross Insurance Contract Liabilities	5,204,300,775	5,236,673,868	4,152,592,439	0	-0.62%
Insurance Payable	939,435,394	669,302,740	541,208,397	0	+40.36%
Other Financial Liabilities	64,300,659	38,844,938	37,315,500	0	+65.53%
Other Liabilities	373,776,470	348,383,867	244,074,740	662,950,000	+7.29%
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	0.00	-
Total Liabilities	6,677,242,749	6,399,218,789	5,073,181,577	1,547,514,000	+4.34%
Total Equity and Liabilities	9,807,913,282	9,454,634,747	7,832,761,114	4,184,818,000	+3.74%

Sector Peers — Non Life Insurance (24)

Peer Comparison

Non 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)%
AIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
HEI	533	-3.49	-0.65%	-	0.24	209.67	-	1.26	15.53	270.67	-	0%	-	1.14%	4.81	400	0	392.86	31.87	18.39	0.26%	3.41%	0.6%	7.49%
HGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
IGI	421	0	0%	-	0.14	176.25	-	-11.96	1.34	72.9	-	0%	-	-19.8%	4.75	-35.03	0	-35.09	313.21	27.77	-2.74%	0.3%	-6.5%	0.73%
IGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICL	485	0	0%	-	0.19	166.91	-	0.39	9.24	186.28	-	0%	-	0.69%	5.97	1,277.18	0	1,256.41	53.03	35.72	0.12%	3.2%	0.24%	6.03%
NIL	606.6	-4.71	-0.77%	-	0.17	229.19	-	0.8	15.07	278.77	-	0%	-	1.06%	5.39	772.5	0	753.75	40.01	32.92	0.18%	3.39%	0.36%	6.84%
NLG	563	-10.9	-1.9%	-	0.18	163.55	-	0.86	3.81	118.41	-	0%	-	1.41%	8.31	790.58	0	779.42	175.93	44.58	0.24%	1.1%	0.6%	2.65%
NMIC	1,011	+11	+1.1%	-	0.14	101.65	-	3.61	1.99	67.46	-	0%	-	21.06%	24.4	343.49	0.09	362.88	658.29	289.04	3.02%	1.67%	4.18%	2.31%
PIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PRIN	646.1	-7.91	-1.21%	-	0.14	202.27	-	14.85	12.88	242.11	-	0%	-	25.88%	12.78	43.5	0	47.35	54.6	180.2	3.56%	3.12%	7.52%	6.54%
RBCL	15,400	+500.62	+3.36%	-	0.04	6,461.26	-	132.96	96.84	3,752.12	-	0%	-	32.6%	4.6	111.69	0	112.82	154.89	145.67	1.42%	1.04%	2.08%	1.51%
SALICO	590	+7	+1.2%	-	0.19	227.43	-	2.85	14.29	270.42	-	0%	-	2.33%	5.28	210.53	0	208.42	41.57	19.7	0.44%	2.23%	1.2%	6.04%
SGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SICL	612	0	0%	-	0	196.64	-	-3.06	5.15	150.95	-	0%	-	-3,634.59%	6.36	-204.41	0	-201.96	120	31,275	-0.58%	1%	-1.56%	2.64%
SIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SPIL	718.9	+8.81	+1.24%	-	0	241.32	-	-12.72	11.03	244.72	-	0%	-	-15,930.16%	5.94	-56.35	0	-54	62.28	35,840	-1.8%	1.56%	-4.8%	4.17%
UAIL	440	-0.88	-0.2%	-	0.21	171.7	-	-9.23	1.74	81.99	-	0%	-	-13.63%	5.22	-48.59	0	-49.47	262.41	26.5	-2.86%	0.53%	-5.48%	1.03%
UIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,835.55	41.63	0.18%	-	0.137	712.32	-	10.05	15.74	478.07	-	0%	-	-1,626%	7.817	300.424	0.008	297.783	164.008	5,661.291	0.11%	1.88%	-0.13%	4%
MED	598.3	0	0%	-	0.155	199.45	-	0.83	10.14	214.2	-	0%	-	1.1%	5.665	161.11	0	160.62	91.14	40.15	0.21%	1.62%	0.48%	3.41%
MAX	15,400	500.62	3.36%	-	0.24	6,461.26	-	132.96	96.84	3,752.12	-	0%	-	32.6%	24.4	1,277.18	0.09	1,256.41	658.29	35,840	3.56%	3.41%	7.52%	7.49%
MIN	421	-10.9	-1.9%	-	0	101.65	-	-12.72	1.34	67.46	-	0%	-	-15,930.16%	4.6	-204.41	0	-201.96	31.87	18.39	-2.86%	0.3%	-6.5%	0.73%