Citizen Life Insurance (CLI) share price is Rs. 432.00, unchanged on 2026-10-12. Open Rs. 430.00. High Rs. 433.00. Low Rs. 430.00. Volume 4,301.
Citizen Life Insurance Company Limited is a NEPSE-listed company (CLI), Life Insurance sector. Premium: Rs. 897.71 Crore. Net profit: Rs. 39.08 Crore. Net worth: Rs. 719.95 Crore.
Citizen Life Insurance Company Limited is a NEPSE-listed life insurance company based in Kathmandu, Nepal, providing life insurance products and services across Nepal.
Citizen Life Insurance Company Limited (CLI) has 5,00,00,000 shares outstanding. Its most recent declared dividend was 20.00% on face value.
Company website: citizenlife.com.np.
| Market Cap | Rs. 2,160.00 Crore |
|---|---|
| P/E Ratio | 114.20 |
| P/E Ratio (TTM) | 55.27 |
| EPS | Rs. 3.78 |
| EPS (TTM) | Rs. 7.82 |
| Book Value | Rs. 143.99 |
| Dividend Yield | 4.63% |
| Face Value | Rs. 100.00 |
| 52 Week High | Rs. 526.00 |
| 52 Week Low | Rs. 410.00 |
What Citizen Life Insurance Company Limited's own accounts show in its favour, graded against the rest of its sector.
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
In Q4 2082/83 Citizen Life Insurance Company Limited reported profit of Rs. 3.08 crore and net earned premiums of Rs. 303.4 crore. Profit in Q3 2082/83 was Rs. 12.85 crore. Profit fell 76.06% on the previous quarter. Net earned premiums grew 47.69% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 6.74 crore. Profit fell 54.34% on the same quarter last year. Net earned premiums grew 31.01% on the same quarter last year.
For the financial year 2082/83 Citizen Life Insurance Company Limited reported net profit of Rs. 39.08 crore, net earned premiums of Rs. 897.71 crore and net worth of Rs. 719.95 crore. Net profit in 2081/82 was Rs. 18.91 crore. Net profit grew 106.63% on the year. Net earned premiums grew 25.87% on the year.
In the financial year 2082/83, Citizen Life Insurance Company Limited reported net earned premiums of Rs. 897.71 crore, other income of Rs. 220.79 crore, total income of Rs. 1,118.5 crore, net benefits and claims paid of Rs. 891.28 crore, other expenses of Rs. 188.3 crore, total expenses of Rs. 1,079.42 crore, profit before tax of Rs. 39.08 crore and net profit for the year of Rs. 39.08 crore.
Reported under net earned premiums: gross earned premiums of Rs. 937.41 crore and premiums ceded of Rs. 39.7 crore. Reported under other income: other direct income of Rs. 2.12 crore, interest income on loan to policyholders of Rs. 14.66 crore, income from investments and loans of Rs. 203.95 crore and other income of Rs. 0.05 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 193.97 crore, claims ceded of Rs. 36.47 crore, gross change in contract liabilities of Rs. 733.74 crore and change in contract liabilities ceded to reinsurers of Rs. 0.03 crore. Reported under other expenses: commission expenses of Rs. 85.4 crore, service fees of Rs. 6.73 crore, employee benefits expenses of Rs. 36.99 crore, depreciation and amortization expenses of Rs. 3.8 crore and other operating expenses of Rs. 55.38 crore.
In the financial year 2081/82, Citizen Life Insurance Company Limited reported net earned premiums of Rs. 713.21 crore, other income of Rs. 206.66 crore, total income of Rs. 919.87 crore, net benefits and claims paid of Rs. 698.01 crore, other expenses of Rs. 166.94 crore, total expenses of Rs. 864.95 crore, profit before tax of Rs. 54.93 crore and net profit for the year of Rs. 18.91 crore.
Reported under net earned premiums: gross earned premiums of Rs. 754.82 crore and premiums ceded of Rs. 41.6 crore. Reported under other income: commission income of Rs. 4.26 crore, other direct income of Rs. 2.05 crore, interest income on loan to policyholders of Rs. 11.11 crore, income from investments and loans of Rs. 189.05 crore and other income of Rs. 0.19 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 191.23 crore, claims ceded of Rs. 31.31 crore, gross change in contract liabilities of Rs. 537.86 crore and change in contract liabilities ceded to reinsurers of Rs. 0.22 crore. Reported under other expenses: commission expenses of Rs. 72.54 crore, service fees of Rs. 5.35 crore, employee benefits expenses of Rs. 37.43 crore, depreciation and amortization expenses of Rs. 6.25 crore, impairment losses of Rs. 0.08 crore, other operating expenses of Rs. 44.49 crore and finance cost of Rs. 0.78 crore. Reported under net profit for the year: income tax expenses of Rs. 36.01 crore.
In the financial year 2080/81, Citizen Life Insurance Company Limited reported net earned premiums of Rs. 584.17 crore, other income of Rs. 173.44 crore, total income of Rs. 757.61 crore, net benefits and claims paid of Rs. 572.84 crore, other expenses of Rs. 146.57 crore, total expenses of Rs. 719.41 crore, profit before tax of Rs. 38.2 crore and net profit for the year of Rs. 43 crore.
Reported under net earned premiums: gross earned premiums of Rs. 621.53 crore and premiums ceded of Rs. 37.36 crore. Reported under other income: commission income of Rs. 3.29 crore, other direct income of Rs. 1.73 crore, interest income on loan to policyholders of Rs. 8.6 crore, income from investments and loans of Rs. 159.65 crore and other income of Rs. 0.16 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 182.81 crore, claims ceded of Rs. 30.59 crore, gross change in contract liabilities of Rs. 420.88 crore and change in contract liabilities ceded to reinsurers of Rs. 0.25 crore. Reported under other expenses: commission expenses of Rs. 64.55 crore, service fees of Rs. 4.38 crore, employee benefits expenses of Rs. 32.75 crore, depreciation and amortization expenses of Rs. 5.66 crore, impairment losses of Rs. 0.02 crore, other operating expenses of Rs. 38.3 crore and finance cost of Rs. 0.9 crore. Reported under net profit for the year: income tax expenses of Rs. 4.8 crore.
In the financial year 2081/82, Citizen Life Insurance Company Limited reported total assets of Rs. 2,773.76 crore, total liabilities of Rs. 2,053.81 crore and total equity of Rs. 719.95 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.38 crore, property and equipment of Rs. 21.45 crore, deferred tax assets of Rs. 29.5 crore, investments of Rs. 2,404.42 crore, loans of Rs. 104.9 crore, reinsurance assets of Rs. 0.04 crore, current tax assets of Rs. 58.79 crore, insurance receivables of Rs. 3.58 crore, other assets of Rs. 70.76 crore, other financial assets of Rs. 38.32 crore and cash and cash equivalent of Rs. 41.63 crore. Reported under total liabilities: provisions of Rs. 3.58 crore, gross insurance contract liabilities of Rs. 1,986.3 crore, insurance payables of Rs. 2.07 crore, other liabilities of Rs. 20.86 crore and other financial liabilities of Rs. 40.99 crore. Reported under total equity: share capital of Rs. 500 crore, share premium of Rs. 44.97 crore, catastrophe reserves of Rs. 23.04 crore, retained earnings of Rs. 115.05 crore and other equity of Rs. 36.9 crore.
In the financial year 2080/81, Citizen Life Insurance Company Limited reported total assets of Rs. 2,204 crore, total liabilities of Rs. 1,497.79 crore and total equity of Rs. 706.21 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.28 crore, property and equipment of Rs. 23.14 crore, deferred tax assets of Rs. 67.8 crore, investments of Rs. 1,907.98 crore, loans of Rs. 81.05 crore, reinsurance assets of Rs. 0.26 crore, current tax assets of Rs. 46.06 crore, insurance receivables of Rs. 3.27 crore, other assets of Rs. 1.01 crore, other financial assets of Rs. 31.92 crore and cash and cash equivalent of Rs. 41.23 crore. Reported under total liabilities: provisions of Rs. 2.85 crore, gross insurance contract liabilities of Rs. 1,442.27 crore, insurance payables of Rs. 0.22 crore, other liabilities of Rs. 25.44 crore and other financial liabilities of Rs. 27.02 crore. Reported under total equity: share capital of Rs. 393.75 crore, share premium of Rs. 151.22 crore, catastrophe reserves of Rs. 17.54 crore, retained earnings of Rs. 72.21 crore and other equity of Rs. 71.48 crore.
In the financial year 2079/80, Citizen Life Insurance Company Limited reported total assets of Rs. 1,472.82 crore, total liabilities of Rs. 1,071.62 crore and total equity of Rs. 401.2 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.25 crore, property and equipment of Rs. 23.57 crore, deferred tax assets of Rs. 63.57 crore, investments of Rs. 1,212.71 crore, loans of Rs. 63.46 crore, reinsurance assets of Rs. 0.01 crore, current tax assets of Rs. 32.75 crore, insurance receivables of Rs. 4.67 crore, other assets of Rs. 3.57 crore, other financial assets of Rs. 21.77 crore and cash and cash equivalent of Rs. 46.49 crore. Reported under total liabilities: provisions of Rs. 2.27 crore, gross insurance contract liabilities of Rs. 1,020.42 crore, insurance payables of Rs. 0.92 crore, other liabilities of Rs. 23.04 crore and other financial liabilities of Rs. 24.98 crore. Reported under total equity: share capital of Rs. 262.5 crore, share premium of Rs. 1.3 crore, catastrophe reserves of Rs. 13.73 crore, retained earnings of Rs. 57.95 crore and other equity of Rs. 65.72 crore.
In the financial year 2081/82, Citizen Life Insurance Company Limited reported opening cash & cash equivalents of Rs. 41.23 crore, net cash flow from operating activities of Rs. 321.42 crore, net cash flow from investing activities of Rs. 314.97 crore, net cash flow from financing activities of Rs. 6.04 crore, net change in cash of Rs. 0.4 crore and closing cash & cash equivalents of Rs. 41.63 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 754.82 crore, commission / reinsurance commission received of Rs. 4.26 crore, claim recovery received from reinsurers of Rs. 31.31 crore, other direct income received of Rs. 2.05 crore, gross benefits and claims paid of Rs. 191.23 crore, reinsurance premium paid of Rs. 41.6 crore, commission paid of Rs. 72.54 crore, service fees paid of Rs. 5.35 crore, employee benefits expenses paid of Rs. 37.43 crore and other expenses paid of Rs. 45.66 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.16 crore, acquisitions of property and equipment of Rs. 4.61 crore, purchase of equity instruments of Rs. 169.51 crore, proceeds from sale of equity instruments of Rs. 53.04 crore, purchase of mutual funds of Rs. 30.11 crore, proceeds from sale of mutual funds of Rs. 0.2 crore, purchase of debentures of Rs. 51.89 crore, proceeds from sale of debentures of Rs. 1.05 crore, investments in deposits of Rs. 566.5 crore, maturity of deposits of Rs. 277 crore, interest income received of Rs. 198.52 crore, dividend received of Rs. 1.63 crore and loans against insurance policies of Rs. 23.93 crore.
In the financial year 2080/81, Citizen Life Insurance Company Limited reported opening cash & cash equivalents of Rs. 46.49 crore, net cash flow from operating activities of Rs. 280.74 crore, net cash flow from investing activities of Rs. 547.43 crore, net cash flow from financing activities of Rs. 261.43 crore, net change in cash of Rs. 5.26 crore and closing cash & cash equivalents of Rs. 41.23 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 621.53 crore, commission / reinsurance commission received of Rs. 3.29 crore, claim recovery received from reinsurers of Rs. 30.59 crore, other direct income received of Rs. 1.73 crore, gross benefits and claims paid of Rs. 182.81 crore, reinsurance premium paid of Rs. 37.36 crore, commission paid of Rs. 64.55 crore, service fees paid of Rs. 4.38 crore, employee benefits expenses paid of Rs. 32.75 crore, other expenses paid of Rs. 39.37 crore and income tax paid of Rs. 0 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.09 crore, acquisitions of property and equipment of Rs. 5.17 crore, purchase of equity instruments of Rs. 36.18 crore, proceeds from sale of equity instruments of Rs. 0 crore, purchase of mutual funds of Rs. 8.93 crore, proceeds from sale of mutual funds of Rs. 0 crore, purchase of debentures of Rs. 102.13 crore, proceeds from sale of debentures of Rs. 0 crore, investments in deposits of Rs. 650.5 crore, maturity of deposits of Rs. 104.77 crore, interest income received of Rs. 168.05 crore, dividend received of Rs. 0.2 crore and loans against insurance policies of Rs. 17.62 crore. Reported under net cash flow from financing activities: interest paid of Rs. 0 crore, repayment of borrowings of Rs. 0 crore, proceeds from issue of share capital of Rs. 266.4 crore, share issuance cost paid of Rs. 3.98 crore and dividend distribution tax paid of Rs. 0.99 crore.
In the financial year 2079/80, Citizen Life Insurance Company Limited reported opening cash & cash equivalents of Rs. 30.22 crore, net cash flow from operating activities of Rs. 227.48 crore, net cash flow from investing activities of Rs. 300.01 crore, net cash flow from financing activities of Rs. 88.8 crore, net change in cash of Rs. 16.27 crore and closing cash & cash equivalents of Rs. 46.49 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 589.33 crore, commission / reinsurance commission received of Rs. 5.19 crore, claim recovery received from reinsurers of Rs. 26.77 crore, other direct income received of Rs. 1.57 crore, gross benefits and claims paid of Rs. 190.28 crore, reinsurance premium paid of Rs. 41.12 crore, commission paid of Rs. 71.89 crore, service fees paid of Rs. 4.49 crore, employee benefits expenses paid of Rs. 26.77 crore, other expenses paid of Rs. 38.99 crore and income tax paid of Rs. 0 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.07 crore, acquisitions of property and equipment of Rs. 21.44 crore, purchase of equity instruments of Rs. 7.63 crore, proceeds from sale of equity instruments of Rs. 0.08 crore, purchase of mutual funds of Rs. 9.5 crore, proceeds from sale of mutual funds of Rs. 0 crore, purchase of debentures of Rs. 72.14 crore, proceeds from sale of debentures of Rs. 0 crore, investments in deposits of Rs. 477.38 crore, maturity of deposits of Rs. 200.58 crore, interest income received of Rs. 111.58 crore, dividend received of Rs. 0.2 crore and loans against insurance policies of Rs. 24.46 crore. Reported under net cash flow from financing activities: interest paid of Rs. 0 crore, repayment of borrowings of Rs. 0 crore and proceeds from issue of share capital of Rs. 88.8 crore.
In the quarter Q4 2082/83, Citizen Life Insurance Company Limited reported net earned premiums of Rs. 303.4 crore, other income of Rs. 58.19 crore, total income of Rs. 361.59 crore, net benefits and claims paid of Rs. 303.6 crore, other expenses of Rs. 54.91 crore, total expenses of Rs. 358.52 crore, profit before tax of Rs. 3.08 crore and net profit for the year of Rs. 3.08 crore.
Reported under net earned premiums: gross earned premiums of Rs. 315.42 crore and premiums ceded of Rs. 12.02 crore. Reported under other income: other direct income of Rs. 0.52 crore, interest income on loan to policyholders of Rs. 3.94 crore, income from investments and loans of Rs. 53.7 crore and other income of Rs. 0.03 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 60.07 crore, claims ceded of Rs. 13.44 crore, gross change in contract liabilities of Rs. 256.47 crore and change in contract liabilities ceded to reinsurers of Rs. 0.51 crore. Reported under other expenses: commission expenses of Rs. 29.14 crore, service fees of Rs. 2.28 crore, employee benefits expenses of Rs. 9.33 crore, depreciation and amortization expenses of Rs. 0.99 crore, impairment losses of Rs. 0.16 crore and other operating expenses of Rs. 13.34 crore.
In the quarter Q3 2082/83, Citizen Life Insurance Company Limited reported net earned premiums of Rs. 205.43 crore, other income of Rs. 53.12 crore, total income of Rs. 258.55 crore, net benefits and claims paid of Rs. 201.71 crore, other expenses of Rs. 43.99 crore, total expenses of Rs. 245.7 crore, profit before tax of Rs. 12.85 crore and net profit for the year of Rs. 12.85 crore.
Reported under net earned premiums: gross earned premiums of Rs. 207.42 crore and premiums ceded of Rs. 1.99 crore. Reported under other income: other direct income of Rs. 0.58 crore, interest income on loan to policyholders of Rs. 3.66 crore, income from investments and loans of Rs. 48.86 crore and other income of Rs. 0.02 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 45.9 crore, claims ceded of Rs. 11.54 crore, gross change in contract liabilities of Rs. 167.89 crore and change in contract liabilities ceded to reinsurers of Rs. 0.52 crore. Reported under other expenses: commission expenses of Rs. 18.19 crore, service fees of Rs. 1.54 crore, employee benefits expenses of Rs. 8.86 crore, depreciation and amortization expenses of Rs. 0.95 crore and other operating expenses of Rs. 14.44 crore.
In the quarter Q2 2082/83, Citizen Life Insurance Company Limited reported net earned premiums of Rs. 176.24 crore, other income of Rs. 50.6 crore, total income of Rs. 226.84 crore, net benefits and claims paid of Rs. 174.04 crore, other expenses of Rs. 42.8 crore, total expenses of Rs. 216.84 crore, profit before tax of Rs. 10 crore and net profit for the year of Rs. 10 crore.
Reported under net earned premiums: gross earned premiums of Rs. 191.28 crore and premiums ceded of Rs. 15.05 crore. Reported under other income: other direct income of Rs. 0.58 crore, interest income on loan to policyholders of Rs. 3.53 crore, income from investments and loans of Rs. 46.49 crore and other income of Rs. 0 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 40 crore, claims ceded of Rs. 4.96 crore, gross change in contract liabilities of Rs. 138.86 crore and change in contract liabilities ceded to reinsurers of Rs. 0.14 crore. Reported under other expenses: commission expenses of Rs. 17.81 crore, service fees of Rs. 1.32 crore, employee benefits expenses of Rs. 8.05 crore, depreciation and amortization expenses of Rs. 0.94 crore and other operating expenses of Rs. 14.67 crore.
In the quarter Q1 2082/83, Citizen Life Insurance Company Limited reported net earned premiums of Rs. 212.64 crore, other income of Rs. 58.88 crore, total income of Rs. 271.52 crore, net benefits and claims paid of Rs. 211.92 crore, other expenses of Rs. 46.44 crore, total expenses of Rs. 258.37 crore, profit before tax of Rs. 13.15 crore and net profit for the year of Rs. 13.15 crore.
Reported under net earned premiums: gross earned premiums of Rs. 223.28 crore and premiums ceded of Rs. 10.65 crore. Reported under other income: other direct income of Rs. 0.45 crore, interest income on loan to policyholders of Rs. 3.53 crore, income from investments and loans of Rs. 54.9 crore and other income of Rs. 0 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 48.01 crore, claims ceded of Rs. 6.52 crore, gross change in contract liabilities of Rs. 170.53 crore and change in contract liabilities ceded to reinsurers of Rs. 0.1 crore. Reported under other expenses: commission expenses of Rs. 20.25 crore, service fees of Rs. 1.59 crore, employee benefits expenses of Rs. 10.75 crore, depreciation and amortization expenses of Rs. 0.92 crore and other operating expenses of Rs. 12.93 crore.
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|---|---|---|---|---|---|
| Net Earned Premiums | 898 | 713 | 584 | 548 | 501 | 342 |
| Gross Earned Premiums | 937 | 755 | 622 | 589 | 531 | 356 |
| Premiums Ceded | -39.7 | -41.6 | -37.4 | -41.1 | -30.1 | -14.0 |
| Other Income | 221 | 207 | 173 | 119 | 76.7 | 54.3 |
| Commission Income | Not reported | 4.3 | 3.3 | 5.2 | 1.8 | 1.9 |
| Other Direct Income | 2.1 | 2.1 | 1.7 | 1.6 | 1.1 | 0.00 |
| Interest Income on Loan to Policyholders | 14.7 | 11.1 | 8.6 | 5.2 | 2.8 | 0.00 |
| Income from Investments and Loans | 204 | 189 | 160 | 107 | 70.6 | 52.2 |
| Other Income | 0.05 | 0.19 | 0.16 | 0.13 | 0.41 | 0.15 |
| Total Income | 1,119 | 920 | 758 | 667 | 578 | 396 |
| Net Benefits and Claims Paid | -891 | -698 | -573 | -508 | -395 | -252 |
| Gross Benefits and Claims Paid | -194 | -191 | -183 | -190 | -129 | -58.4 |
| Claims Ceded | 36.5 | 31.3 | 30.6 | 26.8 | 11.7 | 5.9 |
| Gross Change in Contract Liabilities | -734 | -538 | -421 | -344 | -280 | -202 |
| Change in Contract Liabilities Ceded to Reinsurers | -0.03 | -0.22 | 0.25 | -0.24 | 1.3 | 2.3 |
| Other Expenses | -188 | -167 | -147 | -148 | -168 | -134 |
| Commission Expenses | -85.4 | -72.5 | -64.6 | -71.9 | -82.7 | -62.9 |
| Service Fees | -6.7 | -5.3 | -4.4 | -4.5 | -5.0 | -3.4 |
| Employee Benefits Expenses | -37.0 | -37.4 | -32.8 | -26.8 | -23.6 | -19.4 |
| Depreciation and Amortization Expenses | -3.8 | -6.3 | -5.7 | -5.4 | -2.0 | -1.6 |
| Impairment Losses | Not reported | -0.08 | -0.02 | -0.05 | -0.13 | -0.03 |
| Other Operating Expenses | -55.4 | -44.5 | -38.3 | -38.0 | -54.8 | -46.2 |
| Finance Cost | Not reported | -0.78 | -0.90 | -0.97 | -0.00 | -0.12 |
| Total Expenses | -1,079 | -865 | -719 | -655 | -563 | -386 |
| Profit Before Tax | 39.1 | 54.9 | 38.2 | 11.5 | 14.8 | 10.3 |
| Net Profit for the Year | 39.1 | 18.9 | 43.0 | 10.3 | 37.6 | 30.1 |
| Income Tax Expenses | Not reported | -36.0 | 4.8 | -1.2 | 22.8 | 19.8 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|---|---|---|---|---|
| Total Assets | 2,774 | 2,204 | 1,473 | 1,028 | 711 |
| Goodwill & Intangible Assets | 0.38 | 0.28 | 0.25 | 0.23 | 0.27 |
| Property and Equipment | 21.5 | 23.1 | 23.6 | 7.8 | 6.1 |
| Deferred Tax Assets | 29.5 | 67.8 | 63.6 | 65.2 | 41.8 |
| Investments | 2,404 | 1,908 | 1,213 | 846 | 527 |
| Loans | 105 | 81.1 | 63.5 | 39.1 | 30.7 |
| Reinsurance Assets | 0.04 | 0.26 | 0.01 | 0.25 | 6.6 |
| Current Tax Assets | 58.8 | 46.1 | 32.8 | 24.3 | 18.3 |
| Insurance Receivables | 3.6 | 3.3 | 4.7 | 0.00 | 0.00 |
| Other Assets | 70.8 | 1.0 | 3.6 | 2.0 | 16.5 |
| Other Financial Assets | 38.3 | 31.9 | 21.8 | 13.6 | 8.0 |
| Cash and Cash Equivalent | 41.6 | 41.2 | 46.5 | 30.2 | 55.5 |
| Total Liabilities | 2,054 | 1,498 | 1,072 | 727 | 445 |
| Provisions | 3.6 | 2.9 | 2.3 | 1.8 | 2.7 |
| Gross Insurance Contract Liabilities | 1,986 | 1,442 | 1,020 | 676 | 405 |
| Insurance Payables | 2.1 | 0.22 | 0.92 | 9.6 | 6.7 |
| Other Liabilities | 20.9 | 25.4 | 23.0 | 12.1 | 10.1 |
| Other Financial Liabilities | 41.0 | 27.0 | 25.0 | 26.7 | 20.9 |
| Total Equity | 720 | 706 | 401 | 302 | 266 |
| Share Capital | 500 | 394 | 263 | 175 | 175 |
| Share Premium | 45.0 | 151 | 1.3 | 0.00 | 0.00 |
| Catastrophe Reserves | 23.0 | 17.5 | 13.7 | 12.6 | 9.0 |
| Retained Earnings | 115 | 72.2 | 58.0 | 47.7 | 39.4 |
| Other Equity | 36.9 | 71.5 | 65.7 | 66.5 | 42.5 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 41.2 | 46.5 | 30.2 | 55.5 | 30.2 |
| Net Cash Flow from Operating Activities | 321 | 281 | 227 | 230 | 144 |
| Gross Premium Received | 755 | 622 | 589 | 531 | 353 |
| Commission / Reinsurance Commission Received | 4.3 | 3.3 | 5.2 | 2.9 | 1.9 |
| Claim Recovery Received from Reinsurers | 31.3 | 30.6 | 26.8 | 11.7 | 5.9 |
| Other Direct Income Received | 2.1 | 1.7 | 1.6 | 0.00 | 0.00 |
| Gross Benefits and Claims Paid | -191 | -183 | -190 | -129 | -58.4 |
| Reinsurance Premium Paid | -41.6 | -37.4 | -41.1 | -28.7 | -7.4 |
| Commission Paid | -72.5 | -64.6 | -71.9 | -77.4 | -61.3 |
| Service Fees Paid | -5.3 | -4.4 | -4.5 | -3.5 | -2.0 |
| Employee Benefits Expenses Paid | -37.4 | -32.8 | -26.8 | -22.8 | -18.2 |
| Other Expenses Paid | -45.7 | -39.4 | -39.0 | -54.7 | -69.5 |
| Income Tax Paid | Not reported | 0.00 | 0.00 | 0.00 | -0.03 |
| Net Cash Flow from Investing Activities | -315 | -547 | -300 | -256 | -118 |
| Acquisitions of Intangible Assets | -0.16 | -0.09 | -0.07 | -0.00 | 0.00 |
| Acquisitions of Property and Equipment | -4.6 | -5.2 | -21.4 | -3.8 | -1.2 |
| Purchase of Equity Instruments | -170 | -36.2 | -7.6 | 0.00 | 0.00 |
| Proceeds from Sale of Equity Instruments | 53.0 | 0.00 | 0.08 | 7.6 | 9.6 |
| Purchase of Mutual Funds | -30.1 | -8.9 | -9.5 | 0.00 | 0.00 |
| Proceeds from Sale of Mutual Funds | 0.20 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase of Debentures | -51.9 | -102 | -72.1 | -125 | -71.0 |
| Proceeds from Sale of Debentures | 1.1 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments in Deposits | -567 | -651 | -477 | -423 | -170 |
| Maturity of Deposits | 277 | 105 | 201 | 228 | 85.9 |
| Interest Income Received | 199 | 168 | 112 | 67.4 | 45.4 |
| Dividend Received | 1.6 | 0.20 | 0.20 | 0.31 | 0.02 |
| Loans Against Insurance Policies | -23.9 | -17.6 | -24.5 | -8.5 | -17.1 |
| Net Cash Flow from Financing Activities | -6.0 | 261 | 88.8 | 0.00 | -0.26 |
| Interest Paid | Not reported | 0.00 | 0.00 | 0.00 | -0.12 |
| Repayment of Borrowings | Not reported | 0.00 | 0.00 | 0.00 | -0.15 |
| Proceeds from Issue of Share Capital | Not reported | 266 | 88.8 | 0.00 | 0.00 |
| Share Issuance Cost Paid | Not reported | -4.0 | Not reported | Not reported | Not reported |
| Dividend Distribution Tax Paid | Not reported | -0.99 | Not reported | Not reported | Not reported |
| Net Change in Cash | 0.40 | -5.3 | 16.3 | -25.3 | 25.3 |
| Closing Cash & Cash Equivalents | 41.6 | 41.2 | 46.5 | 30.2 | 55.5 |
Values in Rs. Crore unless stated otherwise.
| Particulars | Q4 2082/83 | Q3 2082/83 | Q2 2082/83 | Q1 2082/83 | Q4 2081/82 | Q3 2081/82 | Q2 2081/82 | Q1 2081/82 | Q4 2080/81 |
|---|---|---|---|---|---|---|---|---|---|
| Net Earned Premiums | 303 | 205 | 176 | 213 | 232 | 163 | 153 | 165 | 175 |
| Gross Earned Premiums | 315 | 207 | 191 | 223 | 247 | 170 | 164 | 175 | 187 |
| Premiums Ceded | -12.0 | -2.0 | -15.0 | -10.6 | -15.0 | -6.4 | -10.6 | -9.6 | -12.1 |
| Other Income | 58.2 | 53.1 | 50.6 | 58.9 | 56.3 | 49.5 | 50.1 | 50.7 | 35.6 |
| Commission Income | Not reported | Not reported | Not reported | Not reported | 4.2 | Not reported | Not reported | Not reported | 5.2 |
| Other Direct Income | 0.52 | 0.58 | 0.58 | 0.45 | 0.65 | 0.50 | 0.41 | 0.49 | 0.18 |
| Interest Income on Loan to Policyholders | 3.9 | 3.7 | 3.5 | 3.5 | 3.8 | 2.6 | 2.1 | 2.7 | 1.9 |
| Income from Investments and Loans | 53.7 | 48.9 | 46.5 | 54.9 | 47.6 | 46.3 | 47.6 | 47.5 | 28.1 |
| Other Income | 0.03 | 0.02 | 0.00 | 0.00 | 0.04 | 0.06 | 0.04 | 0.06 | 0.13 |
| Total Income | 362 | 259 | 227 | 272 | 288 | 213 | 203 | 216 | 211 |
| Net Benefits and Claims Paid | -304 | -202 | -174 | -212 | -226 | -164 | -158 | -164 | -166 |
| Gross Benefits and Claims Paid | -60.1 | -45.9 | -40.0 | -48.0 | -52.6 | -50.6 | -42.9 | -45.0 | -57.0 |
| Claims Ceded | 13.4 | 11.5 | 5.0 | 6.5 | 8.8 | 8.3 | 7.3 | 6.5 | 7.3 |
| Gross Change in Contract Liabilities | -256 | -168 | -139 | -171 | -182 | -121 | -123 | -126 | -116 |
| Change in Contract Liabilities Ceded to Reinsurers | -0.51 | 0.52 | -0.14 | 0.10 | -0.19 | -0.53 | 0.50 | 0.01 | -0.98 |
| Other Expenses | -54.9 | -44.0 | -42.8 | -46.4 | -54.7 | -36.8 | -35.4 | -38.6 | -48.0 |
| Commission Expenses | -29.1 | -18.2 | -17.8 | -20.3 | -24.7 | -16.0 | -15.2 | -16.7 | -22.3 |
| Service Fees | -2.3 | -1.5 | -1.3 | -1.6 | -1.7 | -1.2 | -1.1 | -1.2 | -1.3 |
| Employee Benefits Expenses | -9.3 | -8.9 | -8.1 | -10.7 | -10.0 | -8.0 | -7.8 | -10.2 | -8.9 |
| Depreciation and Amortization Expenses | -0.99 | -0.95 | -0.94 | -0.92 | -3.6 | -0.90 | -0.90 | -0.87 | -3.2 |
| Impairment Losses | 0.16 | Not reported | Not reported | Not reported | -0.08 | Not reported | Not reported | Not reported | 0.32 |
| Other Operating Expenses | -13.3 | -14.4 | -14.7 | -12.9 | -13.8 | -10.6 | -10.4 | -9.6 | -11.6 |
| Finance Cost | Not reported | Not reported | Not reported | Not reported | -0.78 | Not reported | Not reported | Not reported | -0.97 |
| Total Expenses | -359 | -246 | -217 | -258 | -281 | -200 | -193 | -203 | -214 |
| Profit Before Tax | 3.1 | 12.9 | 10.0 | 13.1 | 6.7 | 12.7 | 10.0 | 13.1 | -3.5 |
| Net Profit for the Year | 3.1 | 12.9 | 10.0 | 13.1 | 6.7 | 12.7 | 10.0 | 13.1 | -4.8 |
| Income Tax Expenses | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | -1.2 |
Over the last 15 trading sessions CLI closed between Rs. 429.00 and Rs. 440.20, finishing at Rs. 432.00 on 2026-10-12 against Rs. 439.90 on 2026-09-18.
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| 2026-10-12 | 430.00 | 433.00 | 430.00 | 432.00 | 4,301 |
| 2026-10-09 | 427.60 | 434.00 | 427.60 | 432.00 | 7,177 |
| 2026-10-08 | 427.10 | 429.90 | 427.10 | 429.00 | 2,797 |
| 2026-10-07 | 430.00 | 434.00 | 426.30 | 430.00 | 5,598 |
| 2026-10-06 | 425.00 | 435.00 | 425.00 | 430.00 | 7,823 |
| 2026-10-05 | 430.00 | 432.00 | 427.10 | 429.00 | 23,320 |
| 2026-10-02 | 432.50 | 435.00 | 430.10 | 433.00 | 8,728 |
| 2026-10-01 | 437.00 | 438.00 | 432.10 | 436.00 | 6,274 |
| 2026-09-30 | 435.90 | 437.50 | 433.00 | 437.00 | 8,021 |
| 2026-09-29 | 460.50 | 460.50 | 431.00 | 436.60 | 16,337 |
| 2026-09-28 | 434.00 | 450.00 | 434.00 | 438.60 | 21,048 |
| 2026-09-24 | 435.00 | 440.00 | 432.40 | 440.00 | 6,166 |
| 2026-09-23 | 438.00 | 440.00 | 435.00 | 436.00 | 9,186 |
| 2026-09-22 | 439.00 | 444.20 | 435.00 | 440.20 | 25,764 |
| 2026-09-18 | 427.00 | 443.00 | 427.00 | 439.90 | 22,667 |
2026, between Rs. 410.00 and Rs. 511.00, 2025, between Rs. 411.00 and Rs. 610.23, 2024, between Rs. 329.57 and Rs. 575.66 and 2023, between Rs. 281.25 and Rs. 425.25.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|---|---|---|
| 2026 | 410.00 | 511.00 | 181 |
| 2025 | 411.00 | 610.23 | 225 |
| 2024 | 329.57 | 575.66 | 230 |
| 2023 | 281.25 | 425.25 | 51 |
At Rs. 432.00 on 2026-10-12, CLI is up 0.70% over 1 week, up 4.10% over 1 month, down 0.92% over 3 months, down 7.49% over 6 months and down 1.14% over 1 year. Each return compares that close with the last close on or before the same date in the earlier period.
| Period | Return | From price (Rs.) | From date |
|---|---|---|---|
| 1 week | +0.70% | 429.00 | 2026-10-05 |
| 1 month | +4.10% | 415.00 | 2026-09-11 |
| 3 months | -0.92% | 436.00 | 2026-07-14 |
| 6 months | -7.49% | 467.00 | 2026-04-15 |
| 1 year | -1.14% | 437.00 | 2025-10-12 |
CLI traded 161 times on 2026-10-12, moving 4,301 shares for Rs. 0.19 crore of turnover. Trades went through between Rs. 420.00 and Rs. 433.00.
Largest buyers by volume: broker 22, Siprabi Securities Pvt. Limited on 1,444 shares across 29 trades, broker 42, Sani Securities Company Limited on 553 shares across 21 trades, broker 59, Deevyaa Securities & Stock House Pvt. Ltd on 500 shares across 20 trades, broker 49, Online Securities Limited on 361 shares across 3 trades, broker 1, Kumari Securities Pvt. Limited on 347 shares across 18 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 242 shares across 10 trades, broker 56, Sri Hari Securities Pvt.Ltd on 163 shares across 13 trades, broker 45, Imperial Securities Co. Limited on 120 shares across 9 trades, broker 13, Thrive Brokerage House Pvt. Limited on 113 shares across 8 trades and broker 91, C.B.I.L. Securities Limited on 110 shares across 4 trades.
Largest sellers by volume: broker 77, Nabil Stock Dealer Limited on 1,219 shares across 10 trades, broker 49, Online Securities Limited on 493 shares across 13 trades, broker 58, Naasa Securities Co. Ltd. on 463 shares across 27 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 240 shares across 2 trades, broker 36, Secured Securities Limited on 236 shares across 3 trades, broker 34, Vision Securities Pvt.Limited on 130 shares across 5 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 117 shares across 7 trades, broker 39, Sumeru Securities Pvt.Limited on 100 shares across 3 trades, broker 45, Imperial Securities Co. Limited on 91 shares across 8 trades and broker 21, Midas Stock Broking Company Pvt. Limited on 80 shares across 3 trades.
Citizen Life Insurance Company Limited most recently declared a 20% cash dividend for 2081/2082, announced on 2025-12-12. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.
| Financial year | Bonus share | Cash dividend | Announced |
|---|---|---|---|
| 2081/2082 | 20% | 2025-12-12 | |
| 2080/2081 | 26.9841% | 2025-03-02 | |
| 2079/2080 | 5% | 2024-01-05 |
For 2081/2082 Citizen Life Insurance Company Limited declared a 20% cash dividend, announced on 2025-12-12.
For 2080/2081 Citizen Life Insurance Company Limited declared a 26.9841% bonus share issue, announced on 2025-03-02.
For 2079/2080 Citizen Life Insurance Company Limited declared a 5% bonus share issue, announced on 2024-01-05.
Annual and special general meetings Citizen Life Insurance Company Limited has called. A dividend is declared by the board and approved at the AGM.
6 years of annual statements and 9 quarters of results for CLI, with charts and peer comparison, are free on NepView.
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