Sanima GIC Insurance Limited

Non Life InsuranceLow Cap

NPR 387.40

NPR +0.3+0.08%

09:14 AM NPT · Nov 6, 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

389.80

High

390.00

Low

383.10

Prev Close

387.10

Volume

3,063

Turnover

Rs 1,190,305

Txns

Valuation · Q4 FY25/26

EPS Ann.

5.76

EPS TTM

5.76

BVPS

147.33

P/E Ann.

67.26

P/E TTM

67.26

Graham #

138.18

Capital

Mkt Cap

8.75 Arab

Total

2.26 Crore

Public

1.11 Crore

Promoter

1.15 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

49.34

ADX

35.31

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

383.47

SMA 50

394.14

Bands & Channels

BB Width %

4.55%

Volume & Flow

OBV

2,088,419

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

48,553

Shares Bought

Total Sell

48,553

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

Quantity

17,482

Amount

6,747,503

Avg Rate

385.97

Rank

Brokers

#34#17#52

Distributors

Quantity

20,559

Amount

7,927,966

Avg Rate

385.62

Rank

Brokers

#50#26#46#57

Net Flow Impact:

-3,077units

(Rs. -1,180,463)

Net Flow by Timeframe

SGIC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 73,752 ]

Buy Side

Total: 38,579

Broker

QTY

AVG

NET

8,332

384.88

+7,937

17.2%

5,550

386.88

+3,743

11.4%

3,600

387.09

+3,266

7.4%

2,889

387.01

+1,346

6.0%

2,544

386.82

+2,022

5.2%

2,284

385.73

+1,133

4.7%

2,080

385.05

+1,283

4.3%

2,042

384.80

+1,811

4.2%

2,037

385.16

+1,312

4.2%

1,783

385.21

+1,751

3.7%

1,470

385.23

+843

3.0%

1,086

389.09

+821

2.2%

1,051

385.58

+799

2.2%

1,000

389.32

+1,000

2.1%

831

383.68

+99

1.7%

Sell Side

Total: 35,173

Broker

QTY

AVG

NET

9,348

384.34

-9,126

19.3%

5,598

387.02

-4,802

11.5%

2,847

385.34

-2,717

5.9%

2,845

385.93

-653

5.9%

2,766

387.40

-1,996

5.7%

2,565

385.38

-1,465

5.3%

1,815

385.67

-1,810

3.7%

1,384

386.02

-1,337

2.9%

1,015

382.55

-1,015

2.1%

1,000

389.72

-1,000

2.1%

867

388.10

-666

1.8%

840

385.84

-440

1.7%

825

386.16

-575

1.7%

734

387.94

-684

1.5%

724

388.80

-674

1.5%

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	444.3	+0.89	+0.2%	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	389.2	-4.29	-1.09%	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	435.6	-3.38	-0.77%	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	517.1	-2.39	-0.46%	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	495	+2.02	+0.41%	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	775	-4.99	-0.64%	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	585.9	+0.88	+0.15%	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	14,200	+469.58	+3.42%	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	523	+3.48	+0.67%	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	532.6	-1.39	-0.26%	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	607	+3.08	+0.51%	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	361.5	+0.51	+0.14%	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	1,655.52	38.67	0.19%	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	520.05	0.69	0.15%	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	14,200	469.58	3.42%	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	361.5	-4.99	-1.09%	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%