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.

Trading

Open

422.00

High

422.00

Low

406.30

Prev Close

410.00

Volume

17,436

Turnover

Rs 7,140,700.4

Txns

0

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

38
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

0

Net Accumulation

Active Brokers

75

Participating

ACCUM/DIST

Accumulation 40%

Distribution 60%

Accumulators

4

Quantity

24,007

Amount

9,886,513

Avg Rate

411.82

Rank

#6

Brokers

#52#33#39#51

Distributors

4

Quantity

36,634

Amount

15,057,922

Avg Rate

411.04

Rank

#4

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

%

52

10,645

412.14

+10,575

16.9%

33

5,230

412.11

+5,170

8.3%

39

5,000

410.54

+4,439

7.9%

42

3,231

410.99

+1,421

5.1%

51

3,132

412.26

+2,841

5.0%

11

2,542

415.48

+2,522

4.0%

34

2,438

412.60

+1,434

3.9%

36

2,359

409.59

+2,299

3.7%

45

2,280

409.72

+1,444

3.6%

84

2,000

413.80

+2,000

3.2%

41

1,877

412.62

+1,667

3.0%

6

1,151

411.54

+801

1.8%

57

1,127

410.93

+727

1.8%

35

1,068

407.27

+898

1.7%

59

865

410.58

+569

1.4%

Sell Side

Total: 51,631

Broker

QTY

AVG

NET

%

32

18,521

409.04

-17,846

29.3%

17

10,644

413.43

-10,163

16.9%

44

4,820

412.96

-3,977

7.6%

14

2,649

411.88

-2,574

4.2%

58

2,646

411.82

-13

4.2%

38

2,454

411.21

-1,929

3.9%

43

1,720

413.31

-876

2.7%

82

1,451

410.00

-1,451

2.3%

62

1,330

413.81

-760

2.1%

4

1,219

409.88

-989

1.9%

8

1,060

413.03

-848

1.7%

21

889

412.83

-409

1.4%

65

877

413.36

-877

1.4%

26

681

413.31

-344

1.1%

53

670

411.93

-670

1.1%

Financial Fundamentals

Financial MetricFY25/26 Q3FY24/25 Q3FY23/24 Q3FY22/23 Q3Growth %
Assets
Goodwill & Intangible Assets65,96963,55264,5840+3.80%
Property and Equipment317,001305,779343,2570+3.67%
Investment Properties0.000.000.000-
Deferred Tax Assets243,974430,889583,2530-43.38%
Investment in Subsidiaries0.000.000.000-
Investment in Associates0.000.000.000-
Investments46,985,84739,236,64333,541,3680+19.75%
Loans5,322,4624,554,1004,029,2950+16.87%
Reinsurance Assets60,23464,70526,4630-6.91%
Current Tax Assets892,422946,3771,158,1310-5.70%
Insurance Receivables116,552269,21600-56.71%
Insurance Payable6,70858,990112,7970-88.63%
Other Financial Assets521,942250,515221,1480+108.35%
Other Assets131,249151,526105,6270-13.38%
Cash and Cash Equivalent1,473,290667,153816,8520+120.83%
Total Assets56,130,94246,940,45540,889,9790+19.58%
Equity
Share Capital5,011,9485,011,9484,545,57200.00%
Share Application Money Pending Allotment0.000.000.000-
Share Premium0.000.0037201.860-
Catastrophe Reserves453,056391,931341,7610+15.60%
Retained Earnings534,025421,9211,607,2190+26.57%
Other Equity290,228459,9131,027,9960-36.90%
Total Equity6,289,2576,285,7137,559,7500+0.06%
Liabilities
Insurance & Contract Liabilities
Provisions111,67014,14900+689.23%
Gross Insurance Contract Liabilities48,436,09539,454,53132,027,2710+22.76%
Other Financial Liabilities404,676340,087402,2170+18.99%
Other Liabilities882,535786,984787,9440+12.14%
Taxes & Funding
Deferred Tax Liabilities0.000.000.000-
Current Tax Liabilities0.000.000.000-
Borrowings0.000.000.000-
Total Liabilities49,841,68540,654,74233,330,2290+22.60%
Total Equity and Liabilities56,130,94246,940,45540,889,9790+19.58%

Sector Peers — Life Insurance (21)

Peer Comparison

Life Insurance SECTOR — NEPAL

2025/2026 Q3

NPR/Millions

Statement

Highlight

TICKERMarket
Key Ratios
PriceChgChg%Mkt Cap (M)Asset TurnoverBook Value Per ShareCombined Expense RatioCommission Expense RatioDebt to EquityEPS (Annualized)EPS (TTM)Graham's NumberInvestment YieldLoss RatioManagement Expense RatioNet Profit MarginP/BP/E (Annualized)PEGP/E (TTM)P/SRetained RiskROA (Annualized)ROA (TTM)%ROE (Annualized)ROE (TTM)%

ALICL

420+2.01+0.48%0.020.24120.79123.548.2199.268.44151.454.62110.884.453.455.1250.09-54.383.0798.160.80.74%8.958.16%

CLI

437.2-2.82-0.64%0.020.35114.75113.749.464.49.68.55148.585.3298.885.44.755.4148.5476.9754.444.195.551.651.48%8.047.16%

CREST

1,188+8.26+0.7%0.010.45106.8683.789.210.472.153.2488.266.3659.7914.783.3216.08599.5338.98387.1935.3975.861.492.25%2.053.1%

GLICL

--------------------------

GMLI

1,103+2.97+0.27%0.010.49104.39106.468.840.592.596.31121.745.2585.4612.163.5620.04605.75-210.6238.3884.531.764.29%2.496.08%

HLI

318+1.01+0.32%0.030.25116.41127.378.068.513.813.6898.184.63113.156.161.54.1494.78-92.912.5497.490.360.35%3.253.14%

ILI

410+1.8+0.44%0.020.37116.41107.548.73.119.8111.7175.064.8691.57.3465.1145.46109.7837.744.8597.152.22.63%8.5510.19%

JLI

--------------------------

LICN

77000%0.040.22160.81144.747.116.467.777.28162.35.62134.772.871.316.88106.824.47112.362.599.520.280.26%4.774.47%

NLIC

73800%0.070.26124.53131.557.4523.876.44.28109.515.1121.522.580.868.35121.88-179.351.8898.920.210.15%5.193.47%

NLICL

56700%0.030.27122.4121.1510.215.229.767.4142.761.11107.73.251.976.4760.86-80.412.1397.580.520.39%8.136.17%

PLI

--------------------------

PLIC

--------------------------

PMLI

436+2.99+0.69%0.020.31108.87111.99.543.116.917.07131.64.0793.978.395.435.969.75-68.036.7496.261.681.72%6.436.57%

RLI

--------------------------

RNLI

422.9-1.1-0.26%0.020.32118.47109.079.692.7312.0711.06171.75.0491.248.148.535.2438.61-42.95.8694.452.762.53%10.359.48%

SLI

--------------------------

SLICL

--------------------------

SNLI

41200%0.020.31110.22101.549.312.098.5811.33167.624.5183.099.148.155.5453.4-40.077.7496.472.513.31%8.411.1%

SRLI

370+1.4+0.38%0.020.32110.06111.9110.174.439.067.59137.14.4294.037.715.194.8544.1750.8454.024.0896.741.651.38%8.256.92%

ULI

--------------------------
AVG584.011.270.18%0.030.32118.07114.958.927.237.527.53138.914.6998.927.114.167.625149.256.208108.8029.17494.511.371.65%6.536.62%
MED4361.010.27%0.020.31116.41111.919.214.48.587.4142.764.8694.037.343.565.5460.8650.8468.034.196.741.651.48%8.046.57%
MAX1,1888.260.7%0.070.49160.81144.7410.223.8712.0711.7175.066.36134.7714.788.5320.04605.75109.78387.1938.3899.522.764.29%10.3511.1%
MIN318-2.82-0.64%0.010.22104.3983.787.10.472.153.2488.261.1159.792.580.864.1438.614.4737.741.8875.860.210.15%2.053.1%

21

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum