Sanima GIC Insurance Limited

Non Life InsuranceLow Cap

NPR 462.10

NPR -5.9-1.26%

09:14 AM NPT · May 12, 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

460.00

High

471.00

Low

460.00

Prev Close

468.00

Volume

10,904

Turnover

Rs 5,067,148.7

Txns

Valuation · Q2 FY25/26

EPS Ann.

-8.92

EPS TTM

6.18

BVPS

145.61

P/E Ann.

-51.80

P/E TTM

74.77

Graham #

N/A

Capital

Mkt Cap

9.94 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)

37.23

ADX

29.47

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

475.39

SMA 50

490.29

Bands & Channels

BB Width %

9.14%

Volume & Flow

OBV

2,298,288

Flow Analysis

[ Live 2026-05-12 ]

Total Buy

44,214

Shares Bought

Total Sell

44,214

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 56%

Distribution 44%

Accumulators

Quantity

17,600

Amount

8,136,866

Avg Rate

462.32

Rank

Brokers

#29#28#69#4

Distributors

Quantity

13,921

Amount

6,404,577

Avg Rate

460.07

Rank

Brokers

#94#45#42#38

Net Flow Impact:

+3,679units

(Rs. 1,732,290)

Net Flow by Timeframe

SGIC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 61,185 ]

Buy Side

Total: 30,412

Broker

QTY

AVG

NET

8,519

463.59

+5,042

19.3%

4,601

460.06

+4,591

10.4%

2,337

457.59

+2,337

5.3%

2,143

467.28

+1,655

4.8%

2,143

460.84

+1,575

4.8%

2,117

457.95

+912

4.8%

1,510

458.63

+905

3.4%

1,320

460.07

+517

3.0%

1,309

462.39

+1,253

3.0%

1,201

458.77

+1,140

2.7%

1,085

458.00

+1,067

2.5%

580

455.82

+440

1.3%

527

465.62

+527

1.2%

520

458.88

+509

1.2%

500

455.20

+470

1.1%

Sell Side

Total: 30,773

Broker

QTY

AVG

NET

5,000

457.55

-5,000

11.3%

4,606

459.72

-3,402

10.4%

2,580

461.78

-1,795

5.8%

2,570

460.66

-660

5.8%

2,150

460.97

-638

4.9%

1,984

458.93

-1,238

4.5%

1,869

463.03

-647

4.2%

1,735

465.67

-1,642

3.9%

1,667

461.13

-1,470

3.8%

1,644

462.48

-1,064

3.7%

1,590

464.91

-1,415

3.6%

1,031

452.50

-989

2.3%

911

463.01

-240

2.1%

760

461.58

-447

1.7%

676

455.16

-654

1.5%

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	529	-10.41	-1.93%	0.01	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	426.8	-5.18	-1.2%	0.01	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	493	-4.78	-0.96%	0.01	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	605.1	-7.91	-1.29%	0.02	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	577.9	-2.09	-0.36%	0.02	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	1,028	-32.01	-3.02%	0.01	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	648	-2.6	-0.4%	0.01	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	15,500	-4.65	-0.03%	0.04	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	591	+1.12	+0.19%	0.02	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	615	0	0%	0.02	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	716	+1	+0.14%	0.02	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	-17	-3.72%	0.01	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	1,847.48	-7.04	-1.05%	0.02	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	598.05	-4.72	-0.68%	0.01	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	15,500	1.12	0.19%	0.04	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	426.8	-32.01	-3.72%	0.01	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%