SuryaJyoti Life Insurance Company Limited

Life InsuranceLow Cap

NPR 428.00

NPR 00.00%

09:14 AM NPT · May 15, 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

428.00

High

430.00

Low

424.20

Prev Close

428.00

Volume

25,282

Turnover

Rs 10,760,975.2

Txns

149

Valuation · Q2 FY25/26

EPS Ann.

8.06

EPS TTM

7.10

BVPS

117.82

P/E Ann.

53.10

P/E TTM

60.28

Graham #

146.17

Capital

Mkt Cap

21.45 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)

42.86

ADX

27.5

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

432.38

SMA 50

444.12

Bands & Channels

BB Width %

4.05%

Volume & Flow

OBV

3,510,427

Flow Analysis

[ Live 2026-05-15 ]

Total Buy

82,190

Shares Bought

Total Sell

82,190

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 39%

Distribution 61%

Accumulators

Quantity

31,038

Amount

13,302,487

Avg Rate

428.59

Rank

Brokers

#20#58#44#50

Distributors

Quantity

48,384

Amount

20,710,572

Avg Rate

428.05

Rank

Brokers

#49#16#71#66

Net Flow Impact:

-17,346units

(Rs. -7,408,085)

Net Flow by Timeframe

SJLIC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 120,058 ]

Buy Side

Total: 56,399

Broker

QTY

AVG

NET

13,774

427.68

+13,774

16.8%

9,518

430.30

+7,271

11.6%

4,785

427.00

+933

5.8%

3,990

429.54

+3,950

4.8%

3,756

426.57

+3,526

4.6%

3,554

432.64

+3,222

4.3%

2,575

430.82

+2,015

3.1%

2,351

428.86

+1,770

2.9%

2,100

429.60

+540

2.6%

2,070

433.15

+2,070

2.5%

2,000

427.70

+1,750

2.4%

100

1,900

432.29

+1,890

2.3%

1,370

435.00

+820

1.7%

1,336

428.34

+212

1.6%

1,320

432.87

+1,290

1.6%

Sell Side

Total: 63,659

Broker

QTY

AVG

NET

32,479

426.66

-29,102

39.5%

8,750

431.08

-7,770

10.7%

4,595

433.33

-4,595

5.6%

2,627

429.24

-318

3.2%

2,590

432.93

-1,812

3.1%

2,560

425.71

-2,560

3.1%

1,500

435.99

-1,190

1.8%

1,438

434.24

-1,388

1.8%

1,339

427.93

-570

1.6%

1,258

432.05

-1,133

1.5%

1,148

429.89

-1,094

1.4%

1,028

425.63

-428

1.3%

1,010

428.14

-290

1.2%

727

433.11

-727

0.9%

610

434.77

-439

0.7%

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	451.5	-2.68	-0.59%	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	455	+2.22	+0.49%	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	1,137.8	-70.18	-5.81%	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	1,279	-0.9	-0.07%	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	337.5	+0.61	+0.18%	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	436	+1.09	+0.25%	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	814	+0.08	+0.01%	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	762	-1.37	-0.18%	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	589.8	+2.12	+0.36%	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	461.1	-0.51	-0.11%	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	458.6	+0.6	+0.13%	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	448	-0.99	-0.22%	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	389	-2.39	-0.61%	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	616.87	-5.56	-0.47%	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	458.6	-0.51	-0.07%	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	1,279	2.22	0.49%	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	337.5	-70.18	-5.81%	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%