SuryaJyoti Life Insurance Company Limited

Life InsuranceLow Cap

NPR 409.00

NPR -1-0.24%

09:14 AM NPT · Aug 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

422.00

High

422.00

Low

406.30

Prev Close

410.00

Volume

17,436

Turnover

Rs 7,140,700.4

Txns

Valuation · Q3 FY25/26

EPS Ann.

8.79

EPS TTM

7.68

BVPS

119.69

P/E Ann.

46.53

P/E TTM

53.26

Graham #

153.86

Capital

Mkt Cap

20.5 Arab

Total

5.01 Crore

Public

2.46 Crore

Promoter

2.56 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

31.73

ADX

23.41

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

417.56

SMA 50

421.42

Bands & Channels

BB Width %

5.63%

Volume & Flow

OBV

3,335,123

Flow Analysis

[ Live 2026-08-11 ]

Total Buy

63,121

Shares Bought

Total Sell

63,121

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 40%

Distribution 60%

Accumulators

Quantity

24,007

Amount

9,886,513

Avg Rate

411.82

Rank

Brokers

#52#33#39#51

Distributors

Quantity

36,634

Amount

15,057,922

Avg Rate

411.04

Rank

Brokers

#32#17#44#14

Net Flow Impact:

-12,627units

(Rs. -5,171,409)

Net Flow by Timeframe

SJLIC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 96,576 ]

Buy Side

Total: 44,945

Broker

QTY

AVG

NET

10,645

412.14

+10,575

16.9%

5,230

412.11

+5,170

8.3%

5,000

410.54

+4,439

7.9%

3,231

410.99

+1,421

5.1%

3,132

412.26

+2,841

5.0%

2,542

415.48

+2,522

4.0%

2,438

412.60

+1,434

3.9%

2,359

409.59

+2,299

3.7%

2,280

409.72

+1,444

3.6%

2,000

413.80

+2,000

3.2%

1,877

412.62

+1,667

3.0%

1,151

411.54

+801

1.8%

1,127

410.93

+727

1.8%

1,068

407.27

+898

1.7%

865

410.58

+569

1.4%

Sell Side

Total: 51,631

Broker

QTY

AVG

NET

18,521

409.04

-17,846

29.3%

10,644

413.43

-10,163

16.9%

4,820

412.96

-3,977

7.6%

2,649

411.88

-2,574

4.2%

2,646

411.82

-13

4.2%

2,454

411.21

-1,929

3.9%

1,720

413.31

-876

2.7%

1,451

410.00

-1,451

2.3%

1,330

413.81

-760

2.1%

1,219

409.88

-989

1.9%

1,060

413.03

-848

1.7%

889

412.83

-409

1.4%

877

413.36

-877

1.4%

681

413.31

-344

1.1%

670

411.93

-670

1.1%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Goodwill & Intangible Assets	65,969	63,552	64,584	0	+3.80%
Property and Equipment	317,001	305,779	343,257	0	+3.67%
Investment Properties	0.00	0.00	0.00	0	-
Deferred Tax Assets	243,974	430,889	583,253	0	-43.38%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investments	46,985,847	39,236,643	33,541,368	0	+19.75%
Loans	5,322,462	4,554,100	4,029,295	0	+16.87%
Reinsurance Assets	60,234	64,705	26,463	0	-6.91%
Current Tax Assets	892,422	946,377	1,158,131	0	-5.70%
Insurance Receivables	116,552	269,216	0	0	-56.71%
Insurance Payable	6,708	58,990	112,797	0	-88.63%
Other Financial Assets	521,942	250,515	221,148	0	+108.35%
Other Assets	131,249	151,526	105,627	0	-13.38%
Cash and Cash Equivalent	1,473,290	667,153	816,852	0	+120.83%
Total Assets	56,130,942	46,940,455	40,889,979	0	+19.58%
Equity
Share Capital	5,011,948	5,011,948	4,545,572	0	0.00%
Share Application Money Pending Allotment	0.00	0.00	0.00	0	-
Share Premium	0.00	0.00	37201.86	0	-
Catastrophe Reserves	453,056	391,931	341,761	0	+15.60%
Retained Earnings	534,025	421,921	1,607,219	0	+26.57%
Other Equity	290,228	459,913	1,027,996	0	-36.90%
Total Equity	6,289,257	6,285,713	7,559,750	0	+0.06%
Liabilities
Insurance & Contract Liabilities
Provisions	111,670	14,149	0	0	+689.23%
Gross Insurance Contract Liabilities	48,436,095	39,454,531	32,027,271	0	+22.76%
Other Financial Liabilities	404,676	340,087	402,217	0	+18.99%
Other Liabilities	882,535	786,984	787,944	0	+12.14%
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	49,841,685	40,654,742	33,330,229	0	+22.60%
Total Equity and Liabilities	56,130,942	46,940,455	40,889,979	0	+19.58%

Sector Peers — Life Insurance (21)

Peer Comparison

Life Insurance SECTOR — NEPAL

2025/2026 Q3

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	420	+2.01	+0.48%	0.02	0.24	120.79	123.54	8.21	9	9.26	8.44	151.45	4.62	110.88	4.45	3.45	5.12	50.09	-	54.38	3.07	98.16	0.8	0.74%	8.95	8.16%
CLI	437.2	-2.82	-0.64%	0.02	0.35	114.75	113.74	9.46	4.4	9.6	8.55	148.58	5.32	98.88	5.4	4.75	5.41	48.54	76.97	54.44	4.1	95.55	1.65	1.48%	8.04	7.16%
CREST	1,188	+8.26	+0.7%	0.01	0.45	106.86	83.78	9.21	0.47	2.15	3.24	88.26	6.36	59.79	14.78	3.32	16.08	599.53	38.98	387.19	35.39	75.86	1.49	2.25%	2.05	3.1%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GMLI	1,103	+2.97	+0.27%	0.01	0.49	104.39	106.46	8.84	0.59	2.59	6.31	121.74	5.25	85.46	12.16	3.56	20.04	605.75	-	210.62	38.38	84.53	1.76	4.29%	2.49	6.08%
HLI	318	+1.01	+0.32%	0.03	0.25	116.41	127.37	8.06	8.51	3.81	3.68	98.18	4.63	113.15	6.16	1.5	4.14	94.78	-	92.91	2.54	97.49	0.36	0.35%	3.25	3.14%
ILI	410	+1.8	+0.44%	0.02	0.37	116.41	107.54	8.7	3.11	9.81	11.7	175.06	4.86	91.5	7.34	6	5.11	45.46	109.78	37.74	4.85	97.15	2.2	2.63%	8.55	10.19%
JLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LICN	770	0	0%	0.04	0.22	160.81	144.74	7.1	16.46	7.77	7.28	162.3	5.62	134.77	2.87	1.31	6.88	106.82	4.47	112.36	2.5	99.52	0.28	0.26%	4.77	4.47%
NLIC	738	0	0%	0.07	0.26	124.53	131.55	7.45	23.87	6.4	4.28	109.51	5.1	121.52	2.58	0.86	8.35	121.88	-	179.35	1.88	98.92	0.21	0.15%	5.19	3.47%
NLICL	567	0	0%	0.03	0.27	122.4	121.15	10.2	15.22	9.76	7.4	142.76	1.11	107.7	3.25	1.97	6.47	60.86	-	80.41	2.13	97.58	0.52	0.39%	8.13	6.17%
PLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PLIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PMLI	436	+2.99	+0.69%	0.02	0.31	108.87	111.9	9.54	3.11	6.91	7.07	131.6	4.07	93.97	8.39	5.43	5.9	69.75	-	68.03	6.74	96.26	1.68	1.72%	6.43	6.57%
RLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
RNLI	422.9	-1.1	-0.26%	0.02	0.32	118.47	109.07	9.69	2.73	12.07	11.06	171.7	5.04	91.24	8.14	8.53	5.24	38.61	-	42.9	5.86	94.45	2.76	2.53%	10.35	9.48%
SLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SNLI	412	0	0%	0.02	0.31	110.22	101.54	9.31	2.09	8.58	11.33	167.62	4.51	83.09	9.14	8.15	5.54	53.4	-	40.07	7.74	96.47	2.51	3.31%	8.4	11.1%
SRLI	370	+1.4	+0.38%	0.02	0.32	110.06	111.91	10.17	4.43	9.06	7.59	137.1	4.42	94.03	7.71	5.19	4.85	44.17	50.84	54.02	4.08	96.74	1.65	1.38%	8.25	6.92%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	584.01	1.27	0.18%	0.03	0.32	118.07	114.95	8.92	7.23	7.52	7.53	138.91	4.69	98.92	7.11	4.16	7.625	149.2	56.208	108.802	9.174	94.51	1.37	1.65%	6.53	6.62%
MED	436	1.01	0.27%	0.02	0.31	116.41	111.91	9.21	4.4	8.58	7.4	142.76	4.86	94.03	7.34	3.56	5.54	60.86	50.84	68.03	4.1	96.74	1.65	1.48%	8.04	6.57%
MAX	1,188	8.26	0.7%	0.07	0.49	160.81	144.74	10.2	23.87	12.07	11.7	175.06	6.36	134.77	14.78	8.53	20.04	605.75	109.78	387.19	38.38	99.52	2.76	4.29%	10.35	11.1%
MIN	318	-2.82	-0.64%	0.01	0.22	104.39	83.78	7.1	0.47	2.15	3.24	88.26	1.11	59.79	2.58	0.86	4.14	38.61	4.47	37.74	1.88	75.86	0.21	0.15%	2.05	3.1%