SuryaJyoti Life Insurance Company Limited

Life InsuranceLow Cap

NPR 429.90

NPR -0.3-0.07%

09:13 AM NPT · Nov 6, 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

429.90

High

434.00

Low

429.90

Prev Close

430.20

Volume

6,869

Turnover

Rs 2,954,938.6

Txns

Valuation · Q4 FY25/26

EPS Ann.

7.59

EPS TTM

7.59

BVPS

121.29

P/E Ann.

56.64

P/E TTM

56.64

Graham #

143.92

Capital

Mkt Cap

21.55 Arab

Total

5.01 Crore

Public

2.46 Crore

Promoter

2.56 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

57.57

ADX

33.53

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

425.94

SMA 50

415.74

Bands & Channels

BB Width %

7.58%

Volume & Flow

OBV

3,502,629

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

117,785

Shares Bought

Total Sell

117,785

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 48%

Distribution 52%

Accumulators

Quantity

44,046

Amount

19,160,785

Avg Rate

435.02

Rank

Brokers

#20#63#44

Distributors

Quantity

47,328

Amount

20,555,732

Avg Rate

434.32

Rank

Brokers

#33#49#45#3

Net Flow Impact:

-3,282units

(Rs. -1,394,947)

Net Flow by Timeframe

SJLIC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 184,741 ]

Buy Side

Total: 99,328

Broker

QTY

AVG

NET

18,906

431.22

+18,906

16.1%

15,000

438.66

+14,850

12.7%

10,140

436.71

+9,585

8.6%

10,118

431.98

+8,434

8.6%

8,365

434.51

+8,085

7.1%

8,008

433.77

+6,542

6.8%

4,954

435.29

+4,717

4.2%

4,720

433.74

+4,710

4.0%

3,799

435.29

+1,140

3.2%

3,777

431.02

+3,617

3.2%

3,074

444.12

+2,384

2.6%

3,000

435.50

+2,990

2.5%

2,423

438.24

+150

2.1%

101

2,000

430.00

+2,000

1.7%

1,044

430.77

+949

0.9%

Sell Side

Total: 85,413

Broker

QTY

AVG

NET

19,684

436.73

-19,684

16.7%

11,293

431.45

-9,233

9.6%

8,920

433.75

-4,970

7.6%

7,431

433.01

-6,848

6.3%

4,879

432.15

-4,579

4.1%

4,522

437.31

-4,127

3.8%

4,410

432.91

-4,180

3.7%

3,701

430.44

-3,691

3.1%

3,292

433.31

-2,952

2.8%

3,219

437.34

-3,219

2.7%

3,110

437.32

-3,110

2.6%

3,094

444.06

-3,044

2.6%

2,689

435.32

-1,589

2.3%

2,589

433.86

-2,269

2.2%

2,580

433.82

-1,843

2.2%

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	422.2	-1.78	-0.42%	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	-	54.87	1.54	98.11	0.69	0.69%	7.82	7.82%
CLI	442	+1.5	+0.34%	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	-	56.25	1.95	95.76	1.25	1.25%	6.49	6.49%
CREST	1,192	+147.12	+14.08%	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	-	3,250	18.84	75.47	0.22	0.22%	0.33	0.33%
GLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GMLI	886	-1.51	-0.17%	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	-	481.31	15.27	84.43	1.34	1.34%	2.02	2.02%
HLI	303	-0.3	-0.1%	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	-	91.09	1.2	98.04	0.32	0.32%	3.03	3.03%
ILI	443	+0.31	+0.07%	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	409	36.81	2.25	96.45	2.42	2.42%	9.78	9.78%
JLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LICN	799	+2.07	+0.26%	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	3.86	110.16	1.3	99.51	0.26	0.26%	4.48	4.48%
NLIC	740	+1.03	+0.14%	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	-	149.69	0.96	98.92	0.17	0.17%	3.97	3.97%
NLICL	580	-0.99	-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	-	89.4	1.04	97.23	0.33	0.33%	5.45	5.45%
PLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PLIC	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
PMLI	429	+1.58	+0.37%	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	-	60.99	3.06	96.41	1.61	1.61%	6.46	6.46%
RLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
RNLI	446	-3.01	-0.67%	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	18.08	39.6	2.92	95.24	2.39	2.39%	9.31	9.31%
SLI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SLICL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SNLI	416	+2.19	+0.53%	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	-	52.9	3.82	96.04	2.13	2.13%	6.92	6.92%
SRLI	378.1	+1.09	+0.29%	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	30.91	49.15	1.98	97.07	1.31	1.31%	6.93	6.93%
ULI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	575.1	11.49	1.12%	0.03	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	115.463	347.863	4.318	94.51	1.11	1.11%	5.61	5.61%
MED	443	1.03	0.14%	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	24.495	60.99	1.98	96.45	1.25	1.25%	6.46	6.46%
MAX	1,192	147.12	14.08%	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	409	3,250	18.84	99.51	2.42	2.42%	9.78	9.78%
MIN	303	-3.01	-0.67%	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	3.86	36.81	0.96	75.47	0.17	0.17%	0.33	0.33%