Sanima GIC Insurance Limited

Non Life InsuranceLow Cap

NPR 473.00

NPR +1.7+0.36%

09:13 AM NPT · Jun 26, 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.

sgic.com.np/facebook linkedin

Trading

Open

475.00

High

477.00

Low

469.30

Prev Close

471.30

Volume

9,210

Turnover

Rs 4,340,539.5

Txns

Valuation · Q3 FY25/26

EPS Ann.

3.19

EPS TTM

7.82

BVPS

153.04

P/E Ann.

148.28

P/E TTM

60.49

Graham #

104.81

Capital

Mkt Cap

10.17 Arab

Total

2.15 Crore

Public

1.05 Crore

Promoter

1.1 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

25.43

ADX

47.5

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

487.34

SMA 50

476.67

Bands & Channels

BB Width %

10%

Volume & Flow

OBV

2,322,136

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

52,828

Shares Bought

Total Sell

52,828

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 49%

Distribution 51%

Accumulators

Quantity

17,525

Amount

8,288,375

Avg Rate

472.95

Rank

Brokers

#82#6#58#3

Distributors

Quantity

18,514

Amount

8,752,371

Avg Rate

472.74

Rank

Brokers

#35#51#94#36

Net Flow Impact:

-989units

(Rs. -463,996)

Net Flow by Timeframe

SGIC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 72,545 ]

Buy Side

Total: 36,523

Broker

QTY

AVG

NET

5,000

472.20

+5,000

9.5%

4,987

475.62

+3,640

9.4%

4,627

471.59

+4,607

8.8%

3,110

471.71

+815

5.9%

2,911

471.80

+2,539

5.5%

2,370

474.32

+2,360

4.5%

2,222

473.09

+1,492

4.2%

2,150

472.90

+530

4.1%

1,800

478.06

+1,800

3.4%

1,600

472.69

+740

3.0%

1,514

471.86

+214

2.9%

1,263

478.34

+848

2.4%

1,010

470.98

+949

1.9%

1,000

472.00

+1,000

1.9%

959

471.79

+617

1.8%

Sell Side

Total: 36,022

Broker

QTY

AVG

NET

6,551

471.96

-5,610

12.4%

6,392

474.05

-5,941

12.1%

3,040

470.01

-3,040

5.8%

2,531

474.74

-2,186

4.8%

2,275

475.11

-2,135

4.3%

2,275

471.91

-1,475

4.3%

2,142

470.25

-1,050

4.0%

2,075

472.83

-2,075

3.9%

1,910

470.86

-1,320

3.6%

1,560

471.02

-1,300

3.0%

1,325

471.61

-265

2.5%

1,080

477.14

-1,080

2.0%

1,000

469.41

-940

1.9%

945

473.05

-695

1.8%

921

471.38

-366

1.7%

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	538	0	0%	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	439.9	+1.01	+0.23%	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	516.5	-2.49	-0.48%	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	620	+4	+0.65%	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	594.9	-4.98	-0.83%	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	973	+5.8	+0.6%	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	680.1	-7.91	-1.15%	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	14,645	+216.43	+1.5%	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	612.5	+17.49	+2.94%	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	618	+2.89	+0.47%	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	705	+8.02	+1.15%	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	456	-4	-0.87%	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	1,783.24	19.69	0.35%	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	615.25	1.95	0.35%	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	14,645	216.43	2.94%	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	439.9	-7.91	-1.15%	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%