SuryaJyoti Life Insurance Company Limited

Life InsuranceMid Cap

NPR 419.00

NPR -0.9-0.21%

05:56 AM NPT · Sep 16, 2026

Est. December 22, 2022 · Ramdhuni Bhasi 56709, Nepal · CEO: Pharshuram Marasini

Suryajyoti Life Insurance Company Limited is one of Nepal’s growing life insurance providers, established with the objective of offering accessible, reliable, and customer-centric life insurance solutions across the country. Licensed by the Nepal Insurance Authority, the company delivers a broad range of life insurance products designed to provide financial protection, long-term savings, retirement planning, and investment-linked benefits to individuals and families. Headquartered in Kathmandu, Suryajyoti Life operates through an expanding network of branches, agents, and digital service platforms. Its product portfolio includes whole life insurance, term life insurance, endowment plans, child education plans, pension and retirement products, and various rider benefits. The company focuses strongly on responsible underwriting, prompt claim settlement, financial discipline, and innovative product development tailored to the Nepali market. With a commitment to raising insurance awareness, strengthening household financial security, and promoting long-term savings culture, Suryajyoti Life Insurance Company Limited continues to build its presence as a trustworthy and service-oriented life insurer in Nepal.

suryajyotilife.com/

Trading

Open

419.00

High

419.00

Low

410.20

Prev Close

419.90

Volume

526

Turnover

Rs 219,967.2

Txns

Valuation · Q4 FY25/26

EPS Ann.

7.59

EPS TTM

7.59

BVPS

121.29

P/E Ann.

55.20

P/E TTM

55.20

Graham #

143.92

Capital

Mkt Cap

21.0 Arab

Total

5.01 Crore

Public

2.46 Crore

Promoter

2.56 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Neutral

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

61.54

ADX

28.09

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

404.44

SMA 50

411.72

Bands & Channels

BB Width %

6.8%

Volume & Flow

OBV

3,452,268

Flow Analysis

[ Live 2026-09-15 ]

Total Buy

80,435

Shares Bought

Total Sell

80,435

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 50%

Distribution 50%

Accumulators

Quantity

44,492

Amount

17,994,683

Avg Rate

404.45

Rank

Brokers

#64#94#47#16

Distributors

Quantity

43,883

Amount

17,823,926

Avg Rate

406.17

Rank

Brokers

#17#50#91#71

Net Flow Impact:

+609units

(Rs. 170,757)

Net Flow by Timeframe

SJLIC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 126,896 ]

Buy Side

Total: 65,500

Broker

QTY

AVG

NET

30,232

400.88

+30,222

37.6%

6,010

416.73

+6,010

7.5%

4,640

408.39

+4,400

5.8%

3,900

410.14

+275

4.8%

3,610

408.79

+2,382

4.5%

3,122

408.67

+1,717

3.9%

2,965

417.32

+895

3.7%

2,289

418.74

+2,059

2.9%

1,585

416.16

+383

2.0%

1,547

396.94

+555

1.9%

1,532

402.56

+1,512

1.9%

1,423

408.94

+848

1.8%

1,000

397.40

+990

1.2%

845

406.07

+835

1.1%

800

400.50

+760

1.0%

Sell Side

Total: 61,396

Broker

QTY

AVG

NET

25,556

409.72

-23,582

31.8%

10,350

401.02

-9,150

12.9%

4,977

397.20

-4,907

6.2%

3,499

406.56

-2,269

4.3%

3,000

408.63

-2,950

3.7%

2,360

413.99

-2,100

2.9%

2,053

414.27

-1,453

2.5%

1,794

404.24

-1,294

2.2%

1,622

417.46

-1,559

2.0%

1,370

400.34

-340

1.7%

1,204

403.78

-962

1.5%

1,190

408.86

-1,140

1.5%

854

409.65

-672

1.1%

845

400.90

-845

1.1%

722

400.34

-483

0.9%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Goodwill & Intangible Assets	66,722	62,934	65,406	0	+6.02%
Property and Equipment	314,560	323,106	354,112	0	-2.65%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	348,432	356,488	546,631	0	-2.26%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	52,795,611	41,662,770	34,964,949	0	+26.72%
Loans	5,345,934	4,841,820	4,275,512	0	+10.41%
Reinsurance Assets	61,780	63,798	21,424	0	-3.16%
Current Tax Assets	1,011,047	1,013,575	1,218,711	0	-0.25%
Insurance Receivables	21,097	354,796	0	0	-94.05%
Insurance Payable	10,465	4,572	86,162	0	+128.88%
Other Financial Assets	576,828	1,062,173	254,404	0	-45.69%
Other Assets	120,491	148,182	104,225	0	-18.69%
Cash and Cash Equivalent	294,407	775,483	690,359	0	-62.04%
Total Assets	60,956,908	50,665,124	42,495,732	0	+20.31%
Equity
Share Capital	5,011,948	5,011,948	5,011,948	0	0.00%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	0.00	0.00	0.00	0	-
Catastrophe Reserves	458,045	394,658	346,816	0	+16.06%
Retained Earnings	609,242	472,061	569,568	0	+29.06%
Other Equity	69,352	479,050	615,284	0	-85.52%
Total Equity	6,148,586	6,357,717	6,543,616	0	-3.29%
Liabilities
Insurance & Contract Liabilities
Provisions	109,881	46,219	0	0	+137.74%
Gross Insurance Contract Liabilities	51,558,934	42,341,526	33,637,585	0	+21.77%
Other Financial Liabilities	612,655	601,543	557,008	0	+1.85%
Other Liabilities	1,076,386	963,547	1,671,360	0	+11.71%
Taxes & Funding
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	1,440,000	350,000	0	0	+311.43%
Total Liabilities	54,808,322	44,307,407	35,952,115	0	+23.70%
Total Equity and Liabilities	60,956,908	50,665,124	42,495,732	0	+20.31%

Sector Peers — Life Insurance (21)

Peer Comparison

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 Expense Ratio	Debt to Equity	EPS (Annualized)	EPS (TTM)	Graham's Number	Investment Yield	Loss Ratio	Management Expense Ratio	Net Profit Margin	P/B	P/E (Annualized)	PEG	P/E (TTM)	P/S	Retained Risk	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ALICL	419	+1	+0.24%	0.02	0.24	116.29	122.87	8.43	9.17	7.89	7.89	143.68	6.13	110.07	4.37	2.89	3.6	53.11	-	52.62	1.54	98.11	0.69	0.69%	7.82	7.82%
CLI	433	-3.49	-0.8%	0.02	0.36	115.36	113.66	9.51	4.83	7.82	7.82	142.47	6.68	99.28	4.87	3.49	3.77	55.64	-	54.99	1.95	95.76	1.25	1.25%	6.49	6.49%
CREST	1,095	-4.95	-0.45%	0.01	0.42	96.51	90.84	9.42	0.6	0.34	0.34	27.17	7.62	66.7	14.72	0.54	12.17	3,455	-	3,352.94	18.84	75.47	0.22	0.22%	0.33	0.33%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GMLI	1,025	+4.9	+0.48%	0.01	0.48	104.58	101.43	8.92	0.66	2.14	2.14	70.96	6.87	80.96	11.55	2.79	11.19	546.68	-	478.97	15.27	84.43	1.34	1.34%	2.02	2.02%
HLI	315	-0.09	-0.03%	0.03	0.25	116.61	124.55	8.31	8.85	3.48	3.48	95.55	6.03	110.57	5.67	1.29	2.76	92.47	-	90.23	1.2	98.04	0.32	0.32%	3.03	3.03%
ILI	422.1	-3.7	-0.87%	0.02	0.37	120.69	104.38	8.98	3.32	11.68	11.68	178.09	5.93	88.54	6.86	6.45	3.38	34.93	393.22	35.39	2.25	96.45	2.42	2.42%	9.78	9.78%
JLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LICN	780.7	+6.73	+0.87%	0.04	0.22	162.36	141.93	7.21	16.74	7.38	7.38	164.19	7.4	131.75	2.97	1.21	4.86	107.02	3.65	104.34	1.3	99.51	0.26	0.26%	4.48	4.48%
NLIC	733.8	+3.8	+0.52%	0.07	0.27	124.71	127.59	7.71	23.7	4.91	4.91	117.38	6.88	117.56	2.32	0.62	6.01	152.71	-	146.03	0.96	98.92	0.17	0.17%	3.97	3.97%
NLICL	579.9	+0.98	+0.17%	0.03	0.29	121.71	120.25	9.39	15.83	6.51	6.51	133.52	6.41	107.85	3.01	1.17	4.76	88.94	-	86.33	1.04	97.23	0.33	0.33%	5.45	5.45%
PLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PLIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PMLI	430	+2.01	+0.47%	0.02	0.32	110.87	105.63	9.63	3.33	7.08	7.08	132.9	4.87	88.23	7.77	4.99	3.91	61.17	-	59.7	3.06	96.41	1.61	1.61%	6.46	6.46%
RLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
RNLI	435	-1.31	-0.3%	0.02	0.32	121.18	106.28	9.89	3.02	11.21	11.21	174.83	6.11	88.19	8.2	7.42	3.63	39.25	17.38	38.07	2.92	95.24	2.39	2.39%	9.31	9.31%
SLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SNLI	407.5	+0.49	+0.12%	0.02	0.3	111.53	103.88	9.55	2.27	7.92	7.92	140.98	5.95	85.52	8.81	7.16	3.78	53.3	-	50.63	3.82	96.04	2.13	2.13%	6.92	6.92%
SRLI	369.9	-1.6	-0.43%	0.02	0.33	110.88	109.38	10.44	4.79	7.65	7.65	138.15	5.42	91.89	7.05	3.99	3.42	49.52	30.3	48.17	1.98	97.07	1.31	1.31%	6.93	6.93%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	572.76	0.37	-0%	0.02	0.321	117.94	113.28	9.03	7.47	6.62	6.62	127.68	6.33	97.47	6.78	3.39	5.172	368.44	111.138	353.724	4.318	94.51	1.11	1.11%	5.61	5.61%
MED	433	0.49	0.12%	0.02	0.32	116.29	109.38	9.39	4.79	7.38	7.38	138.15	6.13	91.89	6.86	2.89	3.78	61.17	23.84	59.7	1.98	96.45	1.25	1.25%	6.46	6.46%
MAX	1,095	6.73	0.87%	0.07	0.48	162.36	141.93	10.44	23.7	11.68	11.68	178.09	7.62	131.75	14.72	7.42	12.17	3,455	393.22	3,352.94	18.84	99.51	2.42	2.42%	9.78	9.78%
MIN	315	-4.95	-0.87%	0.01	0.22	96.51	90.84	7.21	0.6	0.34	0.34	27.17	4.87	66.7	2.32	0.54	2.76	34.93	3.65	35.39	0.96	75.47	0.17	0.17%	0.33	0.33%