Citizen Life Insurance Company Limited (CLI) Share Price & Fundamentals

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.

About Citizen Life Insurance Company Limited

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.

CLI key metrics

Market CapRs. 2,160.00 Crore
P/E Ratio114.20
P/E Ratio (TTM)55.27
EPSRs. 3.78
EPS (TTM)Rs. 7.82
Book ValueRs. 143.99
Dividend Yield4.63%
Face ValueRs. 100.00
52 Week HighRs. 526.00
52 Week LowRs. 410.00

CLI strengths

What Citizen Life Insurance Company Limited's own accounts show in its favour, graded against the rest of its sector.

CLI weaknesses

What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.

CLI Q4 2082/83 results

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.

CLI annual results 2082/83

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.

CLI profit and loss for 2082/83

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.

CLI profit and loss for 2081/82

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.

CLI profit and loss for 2080/81

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.

CLI balance sheet for 2081/82

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.

CLI balance sheet for 2080/81

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.

CLI balance sheet for 2079/80

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.

CLI cash flow for 2081/82

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.

CLI cash flow for 2080/81

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.

CLI cash flow for 2079/80

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.

CLI quarterly for Q4 2082/83

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.

CLI quarterly for Q3 2082/83

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.

CLI quarterly for Q2 2082/83

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.

CLI quarterly for Q1 2082/83

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.

CLI Profit & Loss

Values in Rs. Crore unless stated otherwise.

Particulars2082/832081/822080/812079/802078/792077/78
Net Earned Premiums898713584548501342
   Gross Earned Premiums937755622589531356
   Premiums Ceded-39.7-41.6-37.4-41.1-30.1-14.0
Other Income22120717311976.754.3
   Commission IncomeNot reported4.33.35.21.81.9
   Other Direct Income2.12.11.71.61.10.00
   Interest Income on Loan to Policyholders14.711.18.65.22.80.00
   Income from Investments and Loans20418916010770.652.2
   Other Income0.050.190.160.130.410.15
Total Income1,119920758667578396
Net Benefits and Claims Paid-891-698-573-508-395-252
   Gross Benefits and Claims Paid-194-191-183-190-129-58.4
   Claims Ceded36.531.330.626.811.75.9
   Gross Change in Contract Liabilities-734-538-421-344-280-202
   Change in Contract Liabilities Ceded to Reinsurers-0.03-0.220.25-0.241.32.3
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 LossesNot 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 CostNot reported-0.78-0.90-0.97-0.00-0.12
Total Expenses-1,079-865-719-655-563-386
Profit Before Tax39.154.938.211.514.810.3
Net Profit for the Year39.118.943.010.337.630.1
   Income Tax ExpensesNot reported-36.04.8-1.222.819.8

CLI Balance Sheet

Values in Rs. Crore unless stated otherwise.

Particulars2081/822080/812079/802078/792077/78
Total Assets2,7742,2041,4731,028711
   Goodwill & Intangible Assets0.380.280.250.230.27
   Property and Equipment21.523.123.67.86.1
   Deferred Tax Assets29.567.863.665.241.8
   Investments2,4041,9081,213846527
   Loans10581.163.539.130.7
   Reinsurance Assets0.040.260.010.256.6
   Current Tax Assets58.846.132.824.318.3
   Insurance Receivables3.63.34.70.000.00
   Other Assets70.81.03.62.016.5
   Other Financial Assets38.331.921.813.68.0
   Cash and Cash Equivalent41.641.246.530.255.5
Total Liabilities2,0541,4981,072727445
   Provisions3.62.92.31.82.7
   Gross Insurance Contract Liabilities1,9861,4421,020676405
   Insurance Payables2.10.220.929.66.7
   Other Liabilities20.925.423.012.110.1
   Other Financial Liabilities41.027.025.026.720.9
Total Equity720706401302266
   Share Capital500394263175175
   Share Premium45.01511.30.000.00
   Catastrophe Reserves23.017.513.712.69.0
   Retained Earnings11572.258.047.739.4
   Other Equity36.971.565.766.542.5

CLI Cash Flow

Values in Rs. Crore unless stated otherwise.

Particulars2081/822080/812079/802078/792077/78
Opening Cash & Cash Equivalents41.246.530.255.530.2
Net Cash Flow from Operating Activities321281227230144
   Gross Premium Received755622589531353
   Commission / Reinsurance Commission Received4.33.35.22.91.9
   Claim Recovery Received from Reinsurers31.330.626.811.75.9
   Other Direct Income Received2.11.71.60.000.00
   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 PaidNot reported0.000.000.00-0.03
Net Cash Flow from Investing Activities-315-547-300-256-118
   Acquisitions of Intangible Assets-0.16-0.09-0.07-0.000.00
   Acquisitions of Property and Equipment-4.6-5.2-21.4-3.8-1.2
   Purchase of Equity Instruments-170-36.2-7.60.000.00
   Proceeds from Sale of Equity Instruments53.00.000.087.69.6
   Purchase of Mutual Funds-30.1-8.9-9.50.000.00
   Proceeds from Sale of Mutual Funds0.200.000.000.000.00
   Purchase of Debentures-51.9-102-72.1-125-71.0
   Proceeds from Sale of Debentures1.10.000.000.000.00
   Investments in Deposits-567-651-477-423-170
   Maturity of Deposits27710520122885.9
   Interest Income Received19916811267.445.4
   Dividend Received1.60.200.200.310.02
   Loans Against Insurance Policies-23.9-17.6-24.5-8.5-17.1
Net Cash Flow from Financing Activities-6.026188.80.00-0.26
   Interest PaidNot reported0.000.000.00-0.12
   Repayment of BorrowingsNot reported0.000.000.00-0.15
   Proceeds from Issue of Share CapitalNot reported26688.80.000.00
   Share Issuance Cost PaidNot reported-4.0Not reportedNot reportedNot reported
   Dividend Distribution Tax PaidNot reported-0.99Not reportedNot reportedNot reported
Net Change in Cash0.40-5.316.3-25.325.3
Closing Cash & Cash Equivalents41.641.246.530.255.5

CLI Quarterly Results

Values in Rs. Crore unless stated otherwise.

ParticularsQ4 2082/83Q3 2082/83Q2 2082/83Q1 2082/83Q4 2081/82Q3 2081/82Q2 2081/82Q1 2081/82Q4 2080/81
Net Earned Premiums303205176213232163153165175
   Gross Earned Premiums315207191223247170164175187
   Premiums Ceded-12.0-2.0-15.0-10.6-15.0-6.4-10.6-9.6-12.1
Other Income58.253.150.658.956.349.550.150.735.6
   Commission IncomeNot reportedNot reportedNot reportedNot reported4.2Not reportedNot reportedNot reported5.2
   Other Direct Income0.520.580.580.450.650.500.410.490.18
   Interest Income on Loan to Policyholders3.93.73.53.53.82.62.12.71.9
   Income from Investments and Loans53.748.946.554.947.646.347.647.528.1
   Other Income0.030.020.000.000.040.060.040.060.13
Total Income362259227272288213203216211
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 Ceded13.411.55.06.58.88.37.36.57.3
   Gross Change in Contract Liabilities-256-168-139-171-182-121-123-126-116
   Change in Contract Liabilities Ceded to Reinsurers-0.510.52-0.140.10-0.19-0.530.500.01-0.98
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 Losses0.16Not reportedNot reportedNot reported-0.08Not reportedNot reportedNot reported0.32
   Other Operating Expenses-13.3-14.4-14.7-12.9-13.8-10.6-10.4-9.6-11.6
   Finance CostNot reportedNot reportedNot reportedNot reported-0.78Not reportedNot reportedNot reported-0.97
Total Expenses-359-246-217-258-281-200-193-203-214
Profit Before Tax3.112.910.013.16.712.710.013.1-3.5
Net Profit for the Year3.112.910.013.16.712.710.013.1-4.8
   Income Tax ExpensesNot reportedNot reportedNot reportedNot reportedNot reportedNot reportedNot reportedNot reported-1.2

Citizen Life Insurance share price history

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.

DateOpenHighLowCloseVolume
2026-10-12430.00433.00430.00432.004,301
2026-10-09427.60434.00427.60432.007,177
2026-10-08427.10429.90427.10429.002,797
2026-10-07430.00434.00426.30430.005,598
2026-10-06425.00435.00425.00430.007,823
2026-10-05430.00432.00427.10429.0023,320
2026-10-02432.50435.00430.10433.008,728
2026-10-01437.00438.00432.10436.006,274
2026-09-30435.90437.50433.00437.008,021
2026-09-29460.50460.50431.00436.6016,337
2026-09-28434.00450.00434.00438.6021,048
2026-09-24435.00440.00432.40440.006,166
2026-09-23438.00440.00435.00436.009,186
2026-09-22439.00444.20435.00440.2025,764
2026-09-18427.00443.00427.00439.9022,667

CLI share price by year

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.

YearLow (Rs.)High (Rs.)Sessions
2026410.00511.00181
2025411.00610.23225
2024329.57575.66230
2023281.25425.2551

Citizen Life Insurance share price returns

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.

PeriodReturnFrom price (Rs.)From date
1 week+0.70%429.002026-10-05
1 month+4.10%415.002026-09-11
3 months-0.92%436.002026-07-14
6 months-7.49%467.002026-04-15
1 year-1.14%437.002025-10-12

CLI floorsheet for 2026-10-12

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.

CLI dividend history: bonus shares and cash dividend

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 yearBonus shareCash dividendAnnounced
2081/208220%2025-12-12
2080/208126.9841%2025-03-02
2079/20805%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.

CLI general meetings

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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