SuryaJyoti Life Insurance Company Limited

Life InsuranceLow Cap

NPR 434.60

NPR +3.3+0.77%

09:13 AM NPT · May 11, 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

433.00

High

437.90

Low

433.00

Prev Close

431.30

Volume

11,871

Turnover

Rs 5,160,612.1

Txns

178

Valuation · Q2 FY25/26

EPS Ann.

8.06

EPS TTM

7.10

BVPS

117.82

P/E Ann.

53.92

P/E TTM

61.21

Graham #

146.17

Capital

Mkt Cap

21.78 Arab

Total

5.01 Crore

Public

2.46 Crore

Promoter

2.56 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

40.82

ADX

29.15

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

435.36

SMA 50

447.21

Bands & Channels

BB Width %

5.83%

Volume & Flow

OBV

3,555,358

Flow Analysis

[ Live 2026-05-11 ]

Total Buy

58,727

Shares Bought

Total Sell

58,727

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 35%

Distribution 65%

Accumulators

Quantity

15,884

Amount

6,803,031

Avg Rate

428.29

Rank

Brokers

#40#88#6#28

Distributors

Quantity

29,406

Amount

12,554,181

Avg Rate

426.93

Rank

Brokers

#58#71#53#14

Net Flow Impact:

-13,522units

(Rs. -5,751,150)

Net Flow by Timeframe

SJLIC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 80,830 ]

Buy Side

Total: 36,359

Broker

QTY

AVG

NET

6,047

425.60

+5,461

10.3%

3,880

430.23

+3,870

6.6%

3,144

432.27

+2,904

5.3%

2,813

426.96

+2,772

4.8%

2,469

427.37

+2,124

4.2%

2,421

426.21

+1,770

4.1%

2,210

428.61

+136

3.8%

2,206

430.94

+1,186

3.8%

2,070

433.15

+2,060

3.5%

1,849

425.27

+1,625

3.1%

1,755

427.36

+134

3.0%

1,687

425.63

+1,439

2.9%

1,410

428.44

+1,290

2.4%

1,200

425.00

+690

2.0%

1,198

428.33

+1,138

2.0%

Sell Side

Total: 44,471

Broker

QTY

AVG

NET

15,969

425.41

-14,214

27.2%

6,545

429.30

-6,545

11.1%

4,362

426.15

-4,362

7.4%

2,688

432.62

-729

4.6%

2,530

431.67

-1,768

4.3%

2,499

427.01

-79

4.3%

2,305

429.56

-1,764

3.9%

2,070

429.76

-1,431

3.5%

1,252

431.75

-1,252

2.1%

900

429.92

-790

1.5%

809

426.07

-659

1.4%

711

424.16

-373

1.2%

627

434.57

-412

1.1%

620

435.64

-339

1.1%

584

424.53

-154

1.0%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Goodwill & Intangible Assets	65,921,525	64,173,195	3,988,908	0	+2.72%
Property and Equipment	322,421,496	309,244,473	103,150,608	0	+4.26%
Investment Properties	0.00	0.00	0.00	127766025.00	-
Deferred Tax Assets	280,979,634	430,295,363	777,500,082	0	-34.70%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	45,977,528,521	37,417,084,851	33,542,459,328	20,920,431,297	+22.88%
Loans	5,238,700,191	4,603,299,413	3,902,096,462	3,298,996,459	+13.80%
Reinsurance Assets	60,233,588	20,514,347	0	0	+193.62%
Current Tax Assets	950,724,904	991,234,437	1,142,754,817	0	-4.09%
Insurance Receivables	90,282,075	222,662,945	79,837,755	0	-59.45%
Insurance Payable	2,523,108	60,225,904	214,137,302	0	-95.81%
Other Financial Assets	823,793,512	335,624,127	71,925,082	0	+145.45%
Other Assets	130,497,518	152,160,030	31,302,443	7,224,618,913	-14.24%
Cash and Cash Equivalent	517,390,214	597,691,513	583,530,531	183,697,636	-13.44%
Total Assets	54,458,473,178	45,143,984,694	40,238,546,016	31,755,510,330	+20.63%
Equity
Share Capital	5,011,947,797	5,011,947,797	4,545,572,100	4,545,572,100	0.00%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	0.00	0.00	37201855.00	0	-
Catastrophe Reserves	440,210,330	386,950,419	331,373,765	355,557,085	+13.76%
Retained Earnings	452,984,940	328,286,884	1,406,619,515	2,583,876,638	+37.98%
Other Equity	276,079,783	459,810,285	1,186,085,135	23,062,981,959	-39.96%
Total Equity	6,181,222,850	6,186,995,385	7,506,852,370	30,547,987,782	-0.09%
Liabilities
Insurance & Contract Liabilities
Provisions	111,670,342	14,149,332	113,826,051	242,793,990	+689.23%
Gross Insurance Contract Liabilities	46,171,003,445	37,734,088,550	30,516,983,386	0	+22.36%
Other Financial Liabilities	413,767,622	382,357,095	298,670,158	0	+8.21%
Other Liabilities	878,285,812	766,168,428	288,076,749	964,728,557	+14.63%
Taxes & Funding
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Borrowings	700,000,000	0	1,300,000,000	0	-
Total Liabilities	48,277,250,329	38,956,989,309	32,731,693,646	1,207,522,547	+23.92%
Total Equity and Liabilities	54,458,473,179	45,143,984,694	40,238,546,016	31,755,510,329	+20.63%

Sector Peers — Life Insurance (21)

Peer Comparison

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)%
ALICL	458.5	+5.48	+1.21%	0.02	0.23	124.65	-	10.54	8.45	153.95	-	0%	-	4.03%	7.64	45.16	0	42.01	52.4	7.28	0.94%	0.75%	10.08%	8.08%
CLI	459.5	+3.51	+0.77%	0.02	0.37	112.2	-	9.26	8.51	146.57	-	0%	-	4.64%	8.47	51.3	0	49.34	53.69	9.53	1.68%	1.56%	8.74%	8.04%
CREST	1,139.6	+58.08	+5.37%	0.01	0.51	106.81	-	3.13	4.06	98.78	-	0%	-	4.91%	23.13	394.57	4.06	424.28	327.09	77.55	2.5%	3.24%	3.5%	4.54%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GMLI	1,337.7	+42.73	+3.3%	0.01	0	104.21	-	3.53	8.25	139.08	-	0%	-	4,876.37%	32.74	483.31	0	490.08	209.7	85,305	2.74%	6.42%	4.02%	9.4%
HLI	344.5	+5.49	+1.62%	0.03	0.25	115.41	-	4.59	4.13	103.56	-	0%	-	1.81%	6.36	79.96	0	78.65	87.41	5.88	0.44%	0.41%	3.9%	3.56%
ILI	443	+5.51	+1.26%	0.02	0.37	114.48	-	10.83	11.72	173.75	-	0%	-	6.81%	7.68	40.58	35.82	40.12	37.07	11.06	2.52%	2.73%	8.78%	9.51%
JLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LICN	818	+1.63	+0.2%	0.04	0	159.09	-	8.17	7.25	161.09	-	0%	-	1,367.14%	10.72	104.33	0	100.98	113.79	5,682.67	0.3%	0.27%	6.14%	5.45%
NLIC	770	+6.19	+0.81%	0.07	0.28	123.29	-	7.11	22.38	249.16	-	0%	-	5.54%	12.56	108.86	0	105.49	33.51	4.1	1.56%	0.83%	33.68%	17.99%
NLICL	586	+4.88	+0.84%	0.03	0.28	120.12	-	10.08	7.39	141.33	-	0%	-	2%	9.58	57.09	0	56.45	77	4.57	0.56%	0.41%	8.56%	6.28%
PLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PLIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PMLI	468	-0.98	-0.21%	0.02	0.33	106.32	-	5.02	6.05	120.3	-	0%	-	3.91%	9.06	95.92	0	97.01	80.5	15.02	1.28%	1.56%	4.76%	5.75%
RLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
RNLI	467	+4.99	+1.08%	0.02	0.35	117.05	-	15.24	11.85	176.66	-	0%	-	10.57%	7.92	30.43	31.96	29.72	38.23	12.88	3.66%	2.85%	13.22%	10.29%
SLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SNLI	455.3	+6.82	+1.52%	0.02	0.18	115.6	-	11.35	10.84	167.91	-	0%	-	18.31%	8.22	41.88	0	39.82	41.7	30.69	3.26%	3.12%	10.62%	10.16%
SRLI	395	+2	+0.51%	0.02	0.34	108.8	-	11.01	8.41	143.48	-	0%	-	6.26%	7.39	36.51	1.98	34.92	45.72	9.14	2.1%	1.61%	9.98%	7.63%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	626.32	11.26	1.41%	0.03	0.268	117.54	-	8.45	9.18	151.97	-	0%	-	485.56%	11.652	120.762	5.678	122.221	92.139	7,013.49	1.81%	1.98%	9.69%	8.21%
MED	467	5.48	1.08%	0.02	0.28	115.41	-	9.26	8.41	146.57	-	0%	-	5.54%	8.47	57.09	0	56.45	53.69	11.06	1.68%	1.56%	8.74%	8.04%
MAX	1,337.7	58.08	5.37%	0.07	0.51	159.09	-	15.24	22.38	249.16	-	0%	-	4,876.37%	32.74	483.31	35.82	490.08	327.09	85,305	3.66%	6.42%	33.68%	17.99%
MIN	344.5	-0.98	-0.21%	0.01	0	104.21	-	3.13	4.06	98.78	-	0%	-	1.81%	6.36	30.43	0	29.72	33.51	4.1	0.3%	0.27%	3.5%	3.56%