SuryaJyoti Life Insurance Company Limited

Life InsuranceLow Cap

NPR 415.00

NPR 00.00%

09:14 AM NPT · Sep 24, 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

413.00

High

418.00

Low

411.00

Prev Close

415.00

Volume

5,843

Turnover

Rs 2,422,871

Txns

Valuation · Q4 FY25/26

EPS Ann.

7.59

EPS TTM

7.59

BVPS

121.29

P/E Ann.

54.68

P/E TTM

54.68

Graham #

143.92

Capital

Mkt Cap

20.8 Arab

Total

5.01 Crore

Public

2.46 Crore

Promoter

2.56 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

68.35

ADX

37.56

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

406.94

SMA 50

411.74

Bands & Channels

BB Width %

9.33%

Volume & Flow

OBV

3,452,466

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

61,476

Shares Bought

Total Sell

61,476

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 55%

Distribution 45%

Accumulators

Quantity

26,219

Amount

11,035,304

Avg Rate

420.89

Rank

Brokers

#45#49#65

Distributors

Quantity

21,748

Amount

9,128,934

Avg Rate

419.76

Rank

#10

Brokers

#43#58#38#42#16

Net Flow Impact:

+4,471units

(Rs. 1,906,370)

Net Flow by Timeframe

SJLIC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 88,975 ]

Buy Side

Total: 46,048

Broker

QTY

AVG

NET

11,016

423.13

+8,686

17.9%

8,088

421.12

+7,497

13.2%

7,115

417.16

+7,045

11.6%

4,756

416.80

+4,746

7.7%

3,070

417.21

+2,425

5.0%

2,521

419.15

+2,372

4.1%

1,450

416.30

+400

2.4%

1,400

421.37

+390

2.3%

1,068

416.58

+850

1.7%

1,010

418.99

+680

1.6%

1,008

420.20

+878

1.6%

1,000

416.83

+1,000

1.6%

1,000

424.04

+1,000

1.6%

830

415.33

+830

1.4%

716

417.21

+617

1.2%

Sell Side

Total: 42,927

Broker

QTY

AVG

NET

5,608

420.96

-4,384

9.1%

5,306

420.62

-5,306

8.6%

4,177

418.16

-3,977

6.8%

4,140

414.84

-307

6.7%

3,597

416.92

-2,795

5.8%

3,060

421.58

-2,380

5.0%

2,717

422.00

-1,585

4.4%

2,575

418.73

-2,253

4.2%

2,198

417.36

-1,828

3.6%

2,178

415.89

-103

3.5%

2,090

419.58

-2,090

3.4%

1,560

421.04

-1,486

2.5%

1,329

419.85

-1,279

2.2%

1,276

421.87

-766

2.1%

1,116

421.85

-1,116

1.8%

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	432.8	+5.81	+1.36%	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	440	+4.01	+0.92%	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	1,099	+4.05	+0.37%	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	990	-10	-1%	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	309.2	+2.3	+0.75%	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	428	+0.98	+0.23%	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	800.9	+9.03	+1.14%	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	745	+1.64	+0.22%	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	581.4	+9.38	+1.64%	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	423	+2.98	+0.71%	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	438.1	+0.09	+0.02%	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	421	+4	+0.96%	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	373.8	+5.81	+1.58%	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	575.55	3.08	0.68%	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	438.1	4	0.75%	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	1,099	9.38	1.64%	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	309.2	-10	-1%	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%