Sanima GIC Insurance Limited

Non Life InsuranceLow Cap

NPR 385.10

NPR -1.9-0.49%

09:14 AM NPT · Sep 24, 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

377.00

High

388.00

Low

377.00

Prev Close

387.00

Volume

6,052

Turnover

Rs 2,329,891.2

Txns

Valuation · Q4 FY25/26

EPS Ann.

5.76

EPS TTM

5.76

BVPS

147.33

P/E Ann.

66.86

P/E TTM

66.86

Graham #

138.18

Capital

Mkt Cap

8.28 Arab

Total

2.15 Crore

Public

1.05 Crore

Promoter

1.1 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

51.9

ADX

50.46

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

393.41

SMA 50

434.43

Bands & Channels

BB Width %

19.22%

Volume & Flow

OBV

2,150,607

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

31,224

Shares Bought

Total Sell

31,224

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 45%

Distribution 55%

Accumulators

Quantity

8,389

Amount

3,277,055

Avg Rate

390.64

Rank

#10

Brokers

#58#21#42

Distributors

Quantity

10,418

Amount

4,105,917

Avg Rate

394.12

Rank

Brokers

#84#48#33#45

Net Flow Impact:

-2,029units

(Rs. -828,861)

Net Flow by Timeframe

SGIC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 43,015 ]

Buy Side

Total: 19,804

Broker

QTY

AVG

NET

3,886

392.89

+3,776

12.4%

2,999

388.40

+2,922

9.6%

2,267

394.78

+1,114

7.3%

1,504

389.27

+1,157

4.8%

1,162

391.66

+974

3.7%

1,091

392.72

+1,008

3.5%

1,052

395.85

+998

3.4%

1,033

389.83

+950

3.3%

1,022

388.93

+967

3.3%

960

398.50

+565

3.1%

928

384.93

+750

3.0%

550

395.55

+195

1.8%

500

385.10

+500

1.6%

465

390.20

+465

1.5%

385

393.31

+136

1.2%

Sell Side

Total: 23,211

Broker

QTY

AVG

NET

4,474

395.61

-1,275

14.3%

2,491

394.87

-1,490

8.0%

2,327

391.61

-431

7.5%

1,949

391.76

-1,061

6.2%

1,787

391.13

-1,643

5.7%

1,666

392.20

-1,666

5.3%

1,558

395.74

-573

5.0%

1,110

384.66

-860

3.5%

1,066

386.49

-1,066

3.4%

1,022

388.19

-1,022

3.3%

1,018

390.87

-312

3.3%

752

385.57

-741

2.4%

693

395.21

-418

2.2%

683

385.61

-421

2.2%

615

385.85

-615

2.0%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Goodwill & Intangible Assets	41,667	42,437	41,808	0	-1.82%
Property and Equipment	98,423	119,779	82,675	0	-17.83%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	166,427	142,236	121,919	0	+17.01%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	3,654,504	3,404,271	3,337,036	0	+7.35%
Loans	19,745	21,036	14,028	0	-6.14%
Reinsurance Assets	3,395,928	3,258,286	2,644,026	0	+4.22%
Current Tax Assets	40,514	35,134	34,318	0	+15.31%
Insurance Receivables	476,621	382,006	343,129	0	+24.77%
Other Financial Assets	72,125	65,170	82,746	0	+10.67%
Other Assets	277,379	475,347	168,824	0	-41.65%
Cash and Cash Equivalent	557,844	301,494	407,228	0	+85.03%
Total Assets	8,801,177	8,247,197	7,277,738	0	+6.72%
Equity
Share Capital	2,257,500	2,150,000	2,000,000	0	+5.00%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	0.00	0.00	0.00	0	-
Catastrophe Reserves	52,444	759,816	38,157	0	-93.10%
Retained Earnings	98,756	183,289	194,529	0	-46.12%
Other Equity	102,730	177,481	753,488	0	-42.12%
Total Equity	3,326,023	3,270,587	2,986,175	0	+1.70%
Liabilities
Insurance & Contract Liabilities
Provisions	72,349	95,719	93,771	0	-24.42%
Gross Insurance Contract Liabilities	4,361,932	4,044,617	3,424,547	0	+7.85%
Insurance Payable	592,116	433,836	448,852	0	+36.48%
Other Financial Liabilities	48,417	47,095	43,362	0	+2.81%
Other Liabilities	400,339	355,343	281,031	0	+12.66%
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	5,475,154	4,976,610	4,291,564	0	+10.02%
Total Equity and Liabilities	8,801,177	8,247,197	7,277,738	0	+6.72%

Sector Peers — Non Life Insurance (24)

Peer Comparison

Non Life Insurance SECTOR — NEPAL

2025/2026 Q4

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	473	-1.71	-0.36%	0.01	0.28	213.94	66.69	27.07	1.01	13.51	13.51	79.16	255.01	3.29	69.35	24.41	11.16	2.43	38.49	35.75	26.41	4.3	45.76	3.18	3.18%	6.37	6.37%
HGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
IGI	393	+0.71	+0.18%	0.01	0.18	179.53	91.69	40.8	1.65	0.13	0.13	72.18	22.92	4.14	100.81	31.68	0.17	2.5	3,453.85	3,138.46	29.76	6.04	33.11	0.03	0.03%	0.07	0.07%
IGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LGIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NICL	456	-2.98	-0.65%	0.01	0.22	176.85	84.49	19.84	0.7	5	5	78.8	141.05	3.77	76.74	27.59	8.19	2.9	102.58	93.38	21.95	8.39	51.86	1.79	1.79%	3.08	3.08%
NIL	529.8	-3.2	-0.6%	0.01	0.22	226.33	75.01	18.22	0.94	10.4	10.4	66.61	230.13	2.98	66.7	26.53	11.3	2.7	58.65	51.49	34.99	6.63	58.82	2.49	2.49%	4.63	4.63%
NLG	512	-6.01	-1.16%	0.01	0.21	166.36	86.02	36.64	1.04	2.17	2.17	68.57	90.13	5.27	91.42	31.24	3.14	3.35	257.14	244.24	35.35	8.11	28.8	0.64	0.64%	1.28	1.28%
NMIC	821.8	-8.22	-0.99%	0.01	0.23	106.36	73.15	30.81	0.49	5.68	5.68	98.27	116.59	4.97	45.97	57.99	16.53	8.37	156.67	148.77	2,035.6	25.91	41.8	3.87	3.87%	5.51	5.51%
PIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PRIN	592	-9.87	-1.64%	0.01	0.14	193	41.17	29.73	1.08	13.33	13.33	59.09	240.59	6.45	34.87	36.03	24.37	3.46	50.12	45.23	37.84	12.22	39.73	3.41	3.41%	7.08	7.08%
RBCL	14,000	+198.74	+1.44%	0.04	0.04	6,407.05	70.88	96.13	0.45	129.18	129.18	52.63	4,315.37	2.52	76.41	90.6	37.76	2.32	115.18	105.86	9.59	43.5	15.63	1.4	1.4%	2	2%
SALICO	533	-7.02	-1.3%	0.01	0.23	232.72	81.06	23.27	1.06	11.94	11.94	53.84	250.04	3.98	79.83	24.5	9.62	2.6	50.67	45.64	81.07	4.88	49.14	2.25	2.25%	5.06	5.06%
SGI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SICL	552	-6.03	-1.08%	0.02	0.2	191.95	75.26	38.7	1.56	4.19	4.19	70.32	134.52	3.91	81.27	32.69	4.4	3.2	146.78	137.92	32.17	6.45	31.47	0.89	0.89%	2.21	2.21%
SIL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SPIL	623	-6.99	-1.11%	0.02	0.17	260.26	84.04	24.47	1.78	11.65	11.65	60.08	261.19	3.98	76.37	32.14	10.54	2.85	63.61	54.51	36.13	6.71	49.06	1.82	1.82%	4.35	4.35%
UAIL	371.9	+1.89	+0.51%	0.01	0.22	188.01	79.81	24.68	1.08	2.73	2.73	88.01	107.46	2.63	72.74	31.75	3.49	2.3	158.61	139.93	16.79	5.54	44.37	0.76	0.76%	1.49	1.49%
UIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,654.79	12.44	-0.56%	0.01	0.195	711.86	75.77	34.2	1.07	17.49	17.49	70.63	513.75	3.99	72.71	37.26	11.72	3.248	387.7	353.432	199.8	11.557	40.8	1.88	1.88%	3.59	3.59%
MED	531.4	-4.6	-0.82%	0.01	0.215	192.48	77.54	28.4	1.05	8.04	8.04	69.45	185.59	3.95	76.39	31.72	10.08	2.775	108.88	99.62	33.58	6.67	43.08	1.81	1.81%	3.72	3.72%
MAX	14,000	198.74	1.44%	0.04	0.28	6,407.05	91.69	96.13	1.78	129.18	129.18	98.27	4,315.37	6.45	100.81	90.6	37.76	8.37	3,453.85	3,138.46	2,035.6	43.5	58.82	3.87	3.87%	7.08	7.08%
MIN	371.9	-9.87	-1.64%	0.01	0.04	106.36	41.17	18.22	0.45	0.13	0.13	52.63	22.92	2.52	34.87	24.41	0.17	2.3	38.49	35.75	9.59	4.3	15.63	0.03	0.03%	0.07	0.07%