SuryaJyoti Life Insurance Company Limited

Life InsuranceLow Cap

NPR 423.00

NPR +0.4+0.09%

09:14 AM NPT · Jun 26, 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

425.00

Low

420.10

Prev Close

422.60

Volume

7,751

Turnover

Rs 3,264,473.3

Txns

Valuation · Q3 FY25/26

EPS Ann.

8.79

EPS TTM

7.68

BVPS

119.69

P/E Ann.

48.12

P/E TTM

55.08

Graham #

153.86

Capital

Mkt Cap

21.2 Arab

Total

5.01 Crore

Public

2.46 Crore

Promoter

2.56 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Strong Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

21.51

ADX

31.3

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

429.59

SMA 50

431.5

Bands & Channels

BB Width %

5.3%

Volume & Flow

OBV

3,435,357

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

63,718

Shares Bought

Total Sell

63,718

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 49%

Distribution 51%

Accumulators

Quantity

25,120

Amount

10,737,978

Avg Rate

427.47

Rank

Brokers

#43#39#35#32

Distributors

Quantity

25,683

Amount

10,832,432

Avg Rate

421.77

Rank

Brokers

#54#17#34#45

Net Flow Impact:

-563units

(Rs. -94,454)

Net Flow by Timeframe

SJLIC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 89,442 ]

Buy Side

Total: 45,399

Broker

QTY

AVG

NET

12,191

421.22

+10,815

19.1%

8,060

440.05

+8,000

12.7%

6,000

421.85

+1,500

9.4%

3,627

422.37

+1,302

5.7%

2,995

422.19

+1,641

4.7%

1,874

422.42

+1,799

2.9%

1,500

420.66

+1,442

2.4%

1,370

420.16

+500

2.1%

1,367

424.77

+695

2.1%

1,195

422.07

+695

1.9%

1,172

423.27

+1,033

1.8%

1,143

422.79

+513

1.8%

1,010

421.01

+411

1.6%

963

422.01

+437

1.5%

932

422.40

+162

1.5%

Sell Side

Total: 44,043

Broker

QTY

AVG

NET

7,232

420.39

-6,817

11.3%

7,216

421.25

-6,612

11.3%

5,751

423.75

-5,636

9.0%

5,484

422.23

-3,275

8.6%

4,638

421.51

-860

7.3%

2,220

422.69

-2,220

3.5%

2,096

420.54

-2,096

3.3%

1,666

420.90

-966

2.6%

1,583

423.53

-1,433

2.5%

1,206

435.45

-576

1.9%

1,119

422.68

-1,109

1.8%

1,040

421.00

-704

1.6%

950

428.73

-788

1.5%

922

423.90

-37

1.4%

920

421.42

-920

1.4%

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	440.1	-2.88	-0.65%	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	447.5	-0.72	-0.16%	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	1,198.9	+34.92	+3%	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	1,167	-7.04	-0.6%	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	328.9	-2.09	-0.63%	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	421	-2.12	-0.5%	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	804.9	+0.96	+0.12%	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	747.5	+2.53	+0.34%	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	567.1	+1.08	+0.19%	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	455.3	-2.89	-0.63%	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	451	-0.99	-0.22%	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	438	-0.48	-0.11%	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	383	-1.81	-0.47%	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	603.86	1.42	-0.02%	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	451	-0.99	-0.22%	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	1,198.9	34.92	3%	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	328.9	-7.04	-0.65%	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%