Crest Micro Life Insurance (CREST) share price is Rs. 1,047.50, down 0.24% on 2026-10-12. Open Rs. 1,050.00. High Rs. 1,060.00. Low Rs. 1,020.00. Volume 2,902.
Crest Micro Life Insurance Limited is a NEPSE-listed company (CREST), Life Insurance sector. Premium: Rs. 43.4 Crore. Net profit: Rs. 0.25 Crore. Net worth: Rs. 54.21 Crore.
CREST Micro Life Insurance Limited is a NEPSE-listed life insurance company in Nepal operating under NFRS as mandated by the Nepal Insurance Authority.
Crest Micro Life Insurance Limited (CREST) has 75,00,000 shares outstanding. It listed on NEPSE in 2080.
| Market Cap | Rs. 785.63 Crore |
|---|---|
| P/E Ratio | 620.80 |
| EPS | Rs. 1.69 |
| EPS (TTM) | Rs. 0.34 |
| Book Value | Rs. 72.29 |
| Dividend Yield | 0.00% |
| Face Value | Rs. 100.00 |
| 52 Week High | Rs. 1,588.00 |
| 52 Week Low | Rs. 1,017.00 |
| Listed Since | 2080 |
What Crest Micro Life Insurance 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 Crest Micro Life Insurance Limited reported a loss of Rs. 0.96 crore and net earned premiums of Rs. 11.27 crore. Profit in Q3 2082/83 was Rs. 0.04 crore. Profit turned from a profit to a loss on the previous quarter. Net earned premiums fell 1.09% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 1.22 crore. Profit turned from a profit to a loss on the same quarter last year. Net earned premiums fell 22.28% on the same quarter last year.
For the financial year 2082/83 Crest Micro Life Insurance Limited reported net profit of Rs. 0.25 crore, net earned premiums of Rs. 43.4 crore and net worth of Rs. 54.21 crore. Net profit in 2081/82 was Rs. 2.27 crore. Net profit fell 88.87% on the year. Net earned premiums grew 27.93% on the year.
In the financial year 2082/83, Crest Micro Life Insurance Limited reported net earned premiums of Rs. 43.4 crore, other income of Rs. 3.35 crore, total income of Rs. 46.75 crore, net benefits and claims paid of Rs. 28.95 crore, other expenses of Rs. 20.85 crore, total expenses of Rs. 49.8 crore, profit before tax of Rs. 3.05 crore and net profit for the year of Rs. 0.25 crore.
Reported under net earned premiums: gross earned premiums of Rs. 57.51 crore and premiums ceded of Rs. 14.11 crore. Reported under other income: commission income of Rs. 0 crore, other direct income of Rs. 0.07 crore, interest income on loan to policyholders of Rs. 0 crore, income from investments and loans of Rs. 5.3 crore, net gain/(loss) on fair value changes of Rs. 3.41 crore, net realised gains/(losses) of Rs. 1.41 crore and other income of Rs. 0.01 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 5.06 crore, claims ceded of Rs. 14.32 crore and gross change in contract liabilities of Rs. 7.49 crore. Reported under other expenses: commission expenses of Rs. 4.09 crore, service fees of Rs. 0.22 crore, other direct expenses of Rs. 0.04 crore, employee benefits expenses of Rs. 6.18 crore, depreciation and amortization expenses of Rs. 0.89 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 9.39 crore and finance cost of Rs. 0.06 crore. Reported under profit before tax: share of net profit of associates (equity method) of Rs. 0 crore. Reported under net profit for the year: income tax expenses of Rs. 3.3 crore.
In the financial year 2081/82, Crest Micro Life Insurance Limited reported net earned premiums of Rs. 33.93 crore, other income of Rs. 4.95 crore, total income of Rs. 38.87 crore, net benefits and claims paid of Rs. 21.96 crore, other expenses of Rs. 14.64 crore, total expenses of Rs. 36.6 crore, profit before tax of Rs. 2.27 crore and net profit for the year of Rs. 2.27 crore.
Reported under net earned premiums: gross earned premiums of Rs. 43.54 crore and premiums ceded of Rs. 9.62 crore. Reported under other income: commission income of Rs. 0 crore, other direct income of Rs. 0.02 crore, interest income on loan to policyholders of Rs. 0 crore, income from investments and loans of Rs. 5.21 crore, net gain/(loss) on fair value changes of Rs. 0.91 crore, net realised gains/(losses) of Rs. 0.69 crore and other income of Rs. 0.07 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 11.91 crore, claims ceded of Rs. 6.26 crore, gross change in contract liabilities of Rs. 16.31 crore and change in contract liabilities ceded to reinsurers of Rs. 0 crore. Reported under other expenses: commission expenses of Rs. 3.07 crore, service fees of Rs. 0.17 crore, other direct expenses of Rs. 0.01 crore, employee benefits expenses of Rs. 5.63 crore, depreciation and amortization expenses of Rs. 0.78 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 4.91 crore and finance cost of Rs. 0.08 crore. Reported under profit before tax: share of net profit of associates (equity method) of Rs. 0 crore. Reported under net profit for the year: income tax expenses of Rs. 0 crore.
In the financial year 2080/81, Crest Micro Life Insurance Limited reported net earned premiums of Rs. 8.43 crore, other income of Rs. 4.78 crore, total income of Rs. 13.2 crore, net benefits and claims paid of Rs. 4.86 crore, other expenses of Rs. 7.84 crore, total expenses of Rs. 12.7 crore, profit before tax of Rs. 0.5 crore and net profit for the year of Rs. 1.27 crore.
Reported under net earned premiums: gross earned premiums of Rs. 9.76 crore and premiums ceded of Rs. 1.34 crore. Reported under other income: commission income of Rs. 0 crore, other direct income of Rs. 0 crore, interest income on loan to policyholders of Rs. 0 crore, income from investments and loans of Rs. 4.78 crore, net gain/(loss) on fair value changes of Rs. 0 crore, net realised gains/(losses) of Rs. 0 crore and other income of Rs. 0 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 0.88 crore, claims ceded of Rs. 0.48 crore, gross change in contract liabilities of Rs. 4.75 crore and change in contract liabilities ceded to reinsurers of Rs. 0.3 crore. Reported under other expenses: commission expenses of Rs. 1.07 crore, service fees of Rs. 0.04 crore, other direct expenses of Rs. 0.01 crore, employee benefits expenses of Rs. 4 crore, depreciation and amortization expenses of Rs. 0.72 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 1.9 crore and finance cost of Rs. 0.1 crore. Reported under profit before tax: share of net profit of associates (equity method) of Rs. 0 crore. Reported under net profit for the year: income tax expenses of Rs. 0.76 crore.
In the financial year 2080/81, Crest Micro Life Insurance Limited reported total assets of Rs. 61.44 crore, total liabilities of Rs. 7.22 crore and total equity of Rs. 54.21 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.16 crore, property and equipment of Rs. 3.71 crore, investment properties of Rs. 0 crore, deferred tax assets of Rs. 0.72 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investments of Rs. 54.3 crore, loans of Rs. 0 crore, reinsurance assets of Rs. 0.3 crore, current tax assets of Rs. 0.26 crore, insurance receivables of Rs. 0 crore, other assets of Rs. 0.2 crore, other financial assets of Rs. 0 crore and cash and cash equivalent of Rs. 1.78 crore. Reported under total liabilities: provisions of Rs. 0.16 crore, gross insurance contract liabilities of Rs. 4.76 crore, deferred tax liabilities of Rs. 0 crore, insurance payables of Rs. 0.5 crore, current tax liabilities of Rs. 0 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 1.3 crore and other financial liabilities of Rs. 0.5 crore. Reported under total equity: share capital of Rs. 52.5 crore, share application money pending allotment of Rs. 0 crore, share premium of Rs. 0 crore, catastrophe reserves of Rs. 0.1 crore, retained earnings of Rs. 0.89 crore and other equity of Rs. 0.73 crore.
In the financial year 2079/80, Crest Micro Life Insurance Limited reported total assets of Rs. 54.58 crore, total liabilities of Rs. 1.63 crore and total equity of Rs. 52.95 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.1 crore, property and equipment of Rs. 3.29 crore, investment properties of Rs. 0 crore, deferred tax assets of Rs. 0 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investments of Rs. 46.75 crore, loans of Rs. 0 crore, reinsurance assets of Rs. 0 crore, current tax assets of Rs. 0 crore, insurance receivables of Rs. 0 crore, other assets of Rs. 0.04 crore, other financial assets of Rs. 0 crore and cash and cash equivalent of Rs. 4.39 crore. Reported under total liabilities: provisions of Rs. 0.02 crore, gross insurance contract liabilities of Rs. 0.01 crore, deferred tax liabilities of Rs. 0.04 crore, insurance payables of Rs. 0 crore, current tax liabilities of Rs. 0.03 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 1.3 crore and other financial liabilities of Rs. 0.23 crore. Reported under total equity: share capital of Rs. 52.5 crore, share application money pending allotment of Rs. 0 crore, share premium of Rs. 0 crore, catastrophe reserves of Rs. 0.05 crore, retained earnings of Rs. 0.4 crore and other equity of Rs. 0 crore.
In the financial year 2080/81, Crest Micro Life Insurance Limited reported opening cash & cash equivalents of Rs. 4.39 crore, net cash flow from operating activities of Rs. 1.43 crore, net cash flow from investing activities of Rs. 4.04 crore, net cash flow from financing activities of Rs. 0 crore, net change in cash of Rs. 2.61 crore and closing cash & cash equivalents of Rs. 1.78 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 9.76 crore, commission / reinsurance commission received of Rs. 0 crore, claim recovery received from reinsurers of Rs. 0.48 crore, other direct income received of Rs. 0 crore, other income received of Rs. 0 crore, gross benefits and claims paid of Rs. 0.88 crore, reinsurance premium paid of Rs. 0.83 crore, commission paid of Rs. 0.93 crore, service fees paid of Rs. 0 crore, employee benefits expenses paid of Rs. 3.71 crore, other expenses paid of Rs. 2.35 crore and income tax paid of Rs. 0.29 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.14 crore, acquisitions of property and equipment of Rs. 1.12 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, purchase of equity instruments of Rs. 0 crore, proceeds from sale of equity instruments of Rs. 0 crore, purchase of mutual funds of Rs. 0 crore, proceeds from sale of mutual funds of Rs. 0 crore, purchase of debentures of Rs. 0 crore, proceeds from sale of debentures of Rs. 0 crore, investments in deposits of Rs. 10.7 crore, maturity of deposits of Rs. 3.15 crore, interest income received of Rs. 4.78 crore, dividend received of Rs. 0 crore and loans against insurance policies of Rs. 0 crore. Reported under net cash flow from financing activities: interest paid of Rs. 0 crore, proceeds from borrowings of Rs. 0 crore, repayment of borrowings of Rs. 0 crore, proceeds from issue of share capital of Rs. 0 crore and dividend paid of Rs. 0 crore.
In the financial year 2079/80, Crest Micro Life Insurance Limited reported opening cash & cash equivalents of Rs. 0 crore, net cash flow from operating activities of Rs. 0.89 crore, net cash flow from investing activities of Rs. 48.99 crore, net cash flow from financing activities of Rs. 52.5 crore, net change in cash of Rs. 4.39 crore and closing cash & cash equivalents of Rs. 4.39 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 0.01 crore, commission / reinsurance commission received of Rs. 0 crore, claim recovery received from reinsurers of Rs. 0 crore, other direct income received of Rs. 1.5 crore, other income received of Rs. 0 crore, gross benefits and claims paid of Rs. 0 crore, reinsurance premium paid of Rs. 0 crore, commission paid of Rs. 0 crore, service fees paid of Rs. 0 crore, employee benefits expenses paid of Rs. 0.27 crore, other expenses paid of Rs. 0.27 crore and income tax paid of Rs. 0.07 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.06 crore, acquisitions of property and equipment of Rs. 2.19 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, purchase of equity instruments of Rs. 0 crore, proceeds from sale of equity instruments of Rs. 0 crore, purchase of mutual funds of Rs. 0 crore, proceeds from sale of mutual funds of Rs. 0 crore, purchase of debentures of Rs. 0 crore, proceeds from sale of debentures of Rs. 0 crore, investments in deposits of Rs. 46.75 crore, maturity of deposits of Rs. 0 crore, interest income received of Rs. 0 crore, dividend received of Rs. 0 crore and loans against insurance policies of Rs. 0 crore. Reported under net cash flow from financing activities: interest paid of Rs. 0 crore, proceeds from borrowings of Rs. 0 crore, repayment of borrowings of Rs. 0 crore, proceeds from issue of share capital of Rs. 52.5 crore and dividend paid of Rs. 0 crore.
In the quarter Q4 2082/83, Crest Micro Life Insurance Limited reported net earned premiums of Rs. 11.27 crore, other income of Rs. 0.35 crore, total income of Rs. 11.63 crore, net benefits and claims paid of Rs. 9.74 crore, other expenses of Rs. 6.15 crore, total expenses of Rs. 15.89 crore, profit before tax of Rs. 4.26 crore and net profit for the year of Rs. 0.96 crore.
Reported under net earned premiums: gross earned premiums of Rs. 15.16 crore and premiums ceded of Rs. 3.88 crore. Reported under other income: commission income of Rs. 0 crore, other direct income of Rs. 0.01 crore, interest income on loan to policyholders of Rs. 0 crore, income from investments and loans of Rs. 1.04 crore, net gain/(loss) on fair value changes of Rs. 0.71 crore, net realised gains/(losses) of Rs. 0 crore and other income of Rs. 0 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 11.62 crore, claims ceded of Rs. 5.62 crore and gross change in contract liabilities of Rs. 3.74 crore. Reported under other expenses: commission expenses of Rs. 1.13 crore, service fees of Rs. 0.06 crore, other direct expenses of Rs. 0.02 crore, employee benefits expenses of Rs. 1.59 crore, depreciation and amortization expenses of Rs. 0.24 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 3.1 crore and finance cost of Rs. 0.01 crore. Reported under profit before tax: share of net profit of associates (equity method) of Rs. 0 crore. Reported under net profit for the year: income tax expenses of Rs. 3.3 crore.
In the quarter Q3 2082/83, Crest Micro Life Insurance Limited reported net earned premiums of Rs. 11.4 crore, other income of Rs. 2.07 crore, total income of Rs. 9.33 crore, net benefits and claims paid of Rs. 4.56 crore, other expenses of Rs. 4.73 crore, total expenses of Rs. 9.29 crore, profit before tax of Rs. 0.04 crore and net profit for the year of Rs. 0.04 crore.
Reported under net earned premiums: gross earned premiums of Rs. 14.85 crore and premiums ceded of Rs. 3.45 crore. Reported under other income: commission income of Rs. 0 crore, other direct income of Rs. 0.01 crore, interest income on loan to policyholders of Rs. 0 crore, income from investments and loans of Rs. 1.12 crore, net gain/(loss) on fair value changes of Rs. 3.21 crore, net realised gains/(losses) of Rs. 0 crore and other income of Rs. 0 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 7.83 crore, claims ceded of Rs. 4.09 crore, gross change in contract liabilities of Rs. 0.82 crore and change in contract liabilities ceded to reinsurers of Rs. 0 crore. Reported under other expenses: commission expenses of Rs. 1.09 crore, service fees of Rs. 0.06 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 1.44 crore, depreciation and amortization expenses of Rs. 0.22 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 1.92 crore and finance cost of Rs. 0.01 crore. Reported under profit before tax: share of net profit of associates (equity method) of Rs. 0 crore. Reported under net profit for the year: income tax expenses of Rs. 0 crore.
In the quarter Q2 2082/83, Crest Micro Life Insurance Limited reported net earned premiums of Rs. 10.9 crore, other income of Rs. 2.03 crore, total income of Rs. 12.93 crore, net benefits and claims paid of Rs. 7.9 crore, other expenses of Rs. 4.42 crore, total expenses of Rs. 12.32 crore, profit before tax of Rs. 0.62 crore and net profit for the year of Rs. 0.62 crore.
Reported under net earned premiums: gross earned premiums of Rs. 14.72 crore and premiums ceded of Rs. 3.82 crore. Reported under other income: commission income of Rs. 0 crore, other direct income of Rs. 0.01 crore, interest income on loan to policyholders of Rs. 0 crore, income from investments and loans of Rs. 1.78 crore, net gain/(loss) on fair value changes of Rs. 0.24 crore, net realised gains/(losses) of Rs. 0 crore and other income of Rs. 0 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 5.26 crore, claims ceded of Rs. 2.76 crore, gross change in contract liabilities of Rs. 5.4 crore and change in contract liabilities ceded to reinsurers of Rs. 0 crore. Reported under other expenses: commission expenses of Rs. 1.03 crore, service fees of Rs. 0.05 crore, other direct expenses of Rs. 0.01 crore, employee benefits expenses of Rs. 1.45 crore, depreciation and amortization expenses of Rs. 0.21 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 1.65 crore and finance cost of Rs. 0.02 crore. Reported under profit before tax: share of net profit of associates (equity method) of Rs. 0 crore. Reported under net profit for the year: income tax expenses of Rs. 0 crore.
In the quarter Q1 2082/83, Crest Micro Life Insurance Limited reported net earned premiums of Rs. 9.83 crore, other income of Rs. 3.04 crore, total income of Rs. 12.87 crore, net benefits and claims paid of Rs. 6.75 crore, other expenses of Rs. 5.56 crore, total expenses of Rs. 12.31 crore, profit before tax of Rs. 0.56 crore and net profit for the year of Rs. 0.56 crore.
Reported under net earned premiums: gross earned premiums of Rs. 12.78 crore and premiums ceded of Rs. 2.95 crore. Reported under other income: commission income of Rs. 0 crore, other direct income of Rs. 0.03 crore, interest income on loan to policyholders of Rs. 0 crore, income from investments and loans of Rs. 1.35 crore, net gain/(loss) on fair value changes of Rs. 0.27 crore, net realised gains/(losses) of Rs. 1.41 crore and other income of Rs. 0.01 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 3.59 crore, claims ceded of Rs. 1.84 crore, gross change in contract liabilities of Rs. 5.01 crore and change in contract liabilities ceded to reinsurers of Rs. 0 crore. Reported under other expenses: commission expenses of Rs. 0.85 crore, service fees of Rs. 0.05 crore, other direct expenses of Rs. 0.01 crore, employee benefits expenses of Rs. 1.7 crore, depreciation and amortization expenses of Rs. 0.21 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 2.72 crore and finance cost of Rs. 0.02 crore. Reported under profit before tax: share of net profit of associates (equity method) of Rs. 0 crore. Reported under net profit for the year: income tax expenses of Rs. 0 crore.
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 |
|---|---|---|---|---|
| Net Earned Premiums | 43.4 | 33.9 | 8.4 | 0.00 |
| Gross Earned Premiums | 57.5 | 43.5 | 9.8 | 0.01 |
| Premiums Ceded | -14.1 | -9.6 | -1.3 | -0.00 |
| Other Income | 3.4 | 4.9 | 4.8 | 1.5 |
| Commission Income | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Direct Income | 0.07 | 0.02 | 0.00 | 0.00 |
| Interest Income on Loan to Policyholders | 0.00 | 0.00 | 0.00 | 0.00 |
| Income from Investments and Loans | 5.3 | 5.2 | 4.8 | 1.5 |
| Net Gain/(Loss) on Fair Value Changes | -3.4 | -0.91 | 0.00 | 0.00 |
| Net Realised Gains/(Losses) | 1.4 | 0.69 | 0.00 | 0.00 |
| Other Income | -0.01 | -0.07 | 0.00 | 0.00 |
| Total Income | 46.8 | 38.9 | 13.2 | 1.5 |
| Net Benefits and Claims Paid | -29.0 | -22.0 | -4.9 | -0.01 |
| Gross Benefits and Claims Paid | 5.1 | 11.9 | -0.88 | 0.00 |
| Claims Ceded | 14.3 | 6.3 | 0.48 | 0.00 |
| Gross Change in Contract Liabilities | 7.5 | 16.3 | -4.8 | -0.01 |
| Change in Contract Liabilities Ceded to Reinsurers | Not reported | 0.00 | 0.30 | 0.00 |
| Other Expenses | -20.9 | -14.6 | -7.8 | -0.90 |
| Commission Expenses | -4.1 | -3.1 | -1.1 | 0.00 |
| Service Fees | -0.22 | -0.17 | -0.04 | -0.00 |
| Other Direct Expenses | -0.04 | -0.01 | -0.01 | -0.00 |
| Employee Benefits Expenses | -6.2 | -5.6 | -4.0 | -0.41 |
| Depreciation and Amortization Expenses | -0.89 | -0.78 | -0.72 | -0.20 |
| Impairment Losses | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Operating Expenses | -9.4 | -4.9 | -1.9 | -0.26 |
| Finance Cost | -0.06 | -0.08 | -0.10 | -0.03 |
| Total Expenses | -49.8 | -36.6 | -12.7 | -0.90 |
| Profit Before Tax | -3.1 | 2.3 | 0.50 | 0.60 |
| Share of Net Profit of Associates (Equity Method) | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Profit for the Year | 0.25 | 2.3 | 1.3 | 0.45 |
| Income Tax Expenses | 3.3 | 0.00 | 0.76 | -0.15 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2080/81 | 2079/80 |
|---|---|---|
| Total Assets | 61.4 | 54.6 |
| Goodwill & Intangible Assets | 0.16 | 0.10 |
| Property and Equipment | 3.7 | 3.3 |
| Investment Properties | 0.00 | 0.00 |
| Deferred Tax Assets | 0.72 | 0.00 |
| Investment in Subsidiaries | 0.00 | 0.00 |
| Investment in Associates | 0.00 | 0.00 |
| Investments | 54.3 | 46.8 |
| Loans | 0.00 | 0.00 |
| Reinsurance Assets | 0.30 | 0.00 |
| Current Tax Assets | 0.26 | 0.00 |
| Insurance Receivables | 0.00 | 0.00 |
| Other Assets | 0.20 | 0.04 |
| Other Financial Assets | 0.00 | 0.00 |
| Cash and Cash Equivalent | 1.8 | 4.4 |
| Total Liabilities | 7.2 | 1.6 |
| Provisions | 0.16 | 0.02 |
| Gross Insurance Contract Liabilities | 4.8 | 0.01 |
| Deferred Tax Liabilities | 0.00 | 0.04 |
| Insurance Payables | 0.50 | 0.00 |
| Current Tax Liabilities | 0.00 | 0.03 |
| Borrowings | 0.00 | 0.00 |
| Other Liabilities | 1.3 | 1.3 |
| Other Financial Liabilities | 0.50 | 0.23 |
| Total Equity | 54.2 | 52.9 |
| Share Capital | 52.5 | 52.5 |
| Share Application Money Pending Allotment | 0.00 | 0.00 |
| Share Premium | 0.00 | 0.00 |
| Catastrophe Reserves | 0.10 | 0.05 |
| Retained Earnings | 0.89 | 0.40 |
| Other Equity | 0.73 | 0.00 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2080/81 | 2079/80 |
|---|---|---|
| Opening Cash & Cash Equivalents | 4.4 | 0.00 |
| Net Cash Flow from Operating Activities | 1.4 | 0.89 |
| Gross Premium Received | 9.8 | 0.01 |
| Commission / Reinsurance Commission Received | 0.00 | 0.00 |
| Claim Recovery Received from Reinsurers | 0.48 | 0.00 |
| Other Direct Income Received | 0.00 | 1.5 |
| Other Income Received | 0.00 | 0.00 |
| Gross Benefits and Claims Paid | -0.88 | 0.00 |
| Reinsurance Premium Paid | -0.83 | 0.00 |
| Commission Paid | -0.93 | 0.00 |
| Service Fees Paid | -0.00 | 0.00 |
| Employee Benefits Expenses Paid | -3.7 | -0.27 |
| Other Expenses Paid | -2.3 | -0.27 |
| Income Tax Paid | -0.29 | -0.07 |
| Net Cash Flow from Investing Activities | -4.0 | -49.0 |
| Acquisitions of Intangible Assets | -0.14 | -0.06 |
| Acquisitions of Property and Equipment | -1.1 | -2.2 |
| Investment in Subsidiaries | 0.00 | 0.00 |
| Investment in Associates | 0.00 | 0.00 |
| Purchase of Equity Instruments | 0.00 | 0.00 |
| Proceeds from Sale of Equity Instruments | 0.00 | 0.00 |
| Purchase of Mutual Funds | 0.00 | 0.00 |
| Proceeds from Sale of Mutual Funds | 0.00 | 0.00 |
| Purchase of Debentures | 0.00 | 0.00 |
| Proceeds from Sale of Debentures | 0.00 | 0.00 |
| Investments in Deposits | -10.7 | -46.8 |
| Maturity of Deposits | 3.2 | 0.00 |
| Interest Income Received | 4.8 | 0.00 |
| Dividend Received | 0.00 | 0.00 |
| Loans Against Insurance Policies | 0.00 | 0.00 |
| Net Cash Flow from Financing Activities | 0.00 | 52.5 |
| Interest Paid | 0.00 | 0.00 |
| Proceeds from Borrowings | 0.00 | 0.00 |
| Repayment of Borrowings | 0.00 | 0.00 |
| Proceeds from Issue of Share Capital | 0.00 | 52.5 |
| Dividend Paid | 0.00 | 0.00 |
| Net Change in Cash | -2.6 | 4.4 |
| Closing Cash & Cash Equivalents | 1.8 | 4.4 |
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 | 11.3 | 11.4 | 10.9 | 9.8 | 14.5 | 7.7 | 7.6 | 4.2 | 4.1 |
| Gross Earned Premiums | 15.2 | 14.9 | 14.7 | 12.8 | 19.9 | 9.3 | 9.6 | 4.7 | 4.9 |
| Premiums Ceded | -3.9 | -3.5 | -3.8 | -3.0 | -5.4 | -1.7 | -2.0 | -0.52 | -0.87 |
| Other Income | 0.35 | -2.1 | 2.0 | 3.0 | 0.88 | 1.5 | 1.2 | 1.3 | 1.3 |
| Commission Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Direct Income | 0.01 | 0.01 | 0.01 | 0.03 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Income on Loan to Policyholders | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income from Investments and Loans | 1.0 | 1.1 | 1.8 | 1.3 | 1.4 | 1.3 | 1.2 | 1.3 | 1.3 |
| Net Gain/(Loss) on Fair Value Changes | -0.71 | -3.2 | 0.24 | 0.27 | -0.47 | -0.43 | 0.00 | 0.00 | 0.00 |
| Net Realised Gains/(Losses) | 0.00 | 0.00 | 0.00 | 1.4 | 0.00 | 0.69 | 0.00 | 0.00 | 0.00 |
| Other Income | 0.00 | 0.00 | 0.00 | -0.01 | -0.09 | 0.01 | 0.01 | 0.00 | 0.00 |
| Total Income | 11.6 | 9.3 | 12.9 | 12.9 | 15.4 | 9.2 | 8.8 | 5.4 | 5.3 |
| Net Benefits and Claims Paid | -9.7 | -4.6 | -7.9 | -6.8 | -8.9 | -5.2 | -6.0 | -1.8 | -2.4 |
| Gross Benefits and Claims Paid | -11.6 | 7.8 | 5.3 | 3.6 | 5.8 | 2.8 | 2.4 | 0.94 | 0.68 |
| Claims Ceded | 5.6 | 4.1 | 2.8 | 1.8 | 3.1 | 1.4 | 1.3 | 0.52 | 0.37 |
| Gross Change in Contract Liabilities | -3.7 | 0.82 | 5.4 | 5.0 | 6.1 | 3.9 | 4.9 | 1.4 | 2.1 |
| Change in Contract Liabilities Ceded to Reinsurers | Not reported | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Expenses | -6.1 | -4.7 | -4.4 | -5.6 | -5.3 | -3.3 | -2.5 | -3.5 | -2.7 |
| Commission Expenses | -1.1 | -1.1 | -1.0 | -0.85 | -0.94 | -0.96 | -0.68 | -0.49 | -0.53 |
| Service Fees | -0.06 | -0.06 | -0.05 | -0.05 | -0.07 | -0.04 | -0.04 | -0.02 | -0.02 |
| Other Direct Expenses | -0.02 | -0.00 | -0.01 | -0.01 | -0.00 | -0.00 | 0.00 | -0.00 | -0.00 |
| Employee Benefits Expenses | -1.6 | -1.4 | -1.5 | -1.7 | -1.6 | -1.3 | -1.2 | -1.5 | -1.2 |
| Depreciation and Amortization Expenses | -0.24 | -0.22 | -0.21 | -0.21 | -0.20 | -0.19 | -0.19 | -0.20 | -0.10 |
| Impairment Losses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Operating Expenses | -3.1 | -1.9 | -1.6 | -2.7 | -2.4 | -0.81 | -0.40 | -1.3 | -0.78 |
| Finance Cost | -0.01 | -0.01 | -0.02 | -0.02 | -0.02 | -0.02 | -0.02 | -0.02 | -0.02 |
| Total Expenses | -15.9 | -9.3 | -12.3 | -12.3 | -14.2 | -8.6 | -8.6 | -5.3 | -5.1 |
| Profit Before Tax | -4.3 | 0.04 | 0.62 | 0.56 | 1.2 | 0.65 | 0.29 | 0.12 | 0.26 |
| Share of Net Profit of Associates (Equity Method) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Profit for the Year | -0.96 | 0.04 | 0.62 | 0.56 | 1.2 | 0.65 | 0.29 | 0.12 | 0.26 |
| Income Tax Expenses | 3.3 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Over the last 15 trading sessions CREST closed between Rs. 1,047.50 and Rs. 1,105.00, finishing at Rs. 1,047.50 on 2026-10-12 against Rs. 1,105.00 on 2026-09-18.
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| 2026-10-12 | 1,050.00 | 1,060.00 | 1,020.00 | 1,047.50 | 2,902 |
| 2026-10-09 | 1,028.00 | 1,050.00 | 1,028.00 | 1,050.00 | 5,462 |
| 2026-10-08 | 1,107.40 | 1,107.40 | 1,031.10 | 1,049.40 | 6,576 |
| 2026-10-07 | 1,051.00 | 1,083.00 | 1,034.00 | 1,054.70 | 6,288 |
| 2026-10-06 | 1,120.00 | 1,120.00 | 1,050.00 | 1,059.00 | 5,494 |
| 2026-10-05 | 1,077.00 | 1,079.00 | 1,050.00 | 1,067.00 | 2,983 |
| 2026-10-02 | 1,134.00 | 1,134.00 | 1,056.10 | 1,077.00 | 3,005 |
| 2026-10-01 | 1,060.00 | 1,082.50 | 1,040.00 | 1,080.00 | 8,909 |
| 2026-09-30 | 1,144.50 | 1,144.50 | 1,060.00 | 1,089.00 | 3,677 |
| 2026-09-29 | 1,094.90 | 1,094.90 | 1,065.00 | 1,090.00 | 4,535 |
| 2026-09-28 | 1,067.00 | 1,135.00 | 1,050.00 | 1,094.90 | 3,878 |
| 2026-09-24 | 1,085.00 | 1,099.00 | 1,070.00 | 1,099.00 | 3,672 |
| 2026-09-23 | 1,087.00 | 1,114.90 | 1,075.00 | 1,094.90 | 2,761 |
| 2026-09-22 | 1,105.00 | 1,115.00 | 1,071.90 | 1,099.00 | 12,631 |
| 2026-09-18 | 1,155.00 | 1,155.00 | 1,085.00 | 1,105.00 | 6,020 |
2026, between Rs. 1,017.00 and Rs. 1,588.00 and 2025, between Rs. 302.50 and Rs. 2,458.20.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|---|---|---|
| 2026 | 1,017.00 | 1,588.00 | 181 |
| 2025 | 302.50 | 2,458.20 | 162 |
At Rs. 1,047.50 on 2026-10-12, CREST is down 1.83% over 1 week, down 2.56% over 1 month, down 10.84% over 3 months, down 18.80% over 6 months and down 1.64% 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 | -1.83% | 1,067.00 | 2026-10-05 |
| 1 month | -2.56% | 1,075.00 | 2026-09-11 |
| 3 months | -10.84% | 1,174.90 | 2026-07-14 |
| 6 months | -18.80% | 1,290.00 | 2026-04-15 |
| 1 year | -1.64% | 1,065.00 | 2025-10-12 |
CREST traded 99 times on 2026-10-12, moving 2,902 shares for Rs. 0.3 crore of turnover. Trades went through between Rs. 1,020.00 and Rs. 1,060.00.
Largest buyers by volume: broker 49, Online Securities Limited on 675 shares across 12 trades, broker 58, Naasa Securities Co. Ltd. on 549 shares across 27 trades, broker 42, Sani Securities Company Limited on 345 shares across 6 trades, broker 45, Imperial Securities Co. Limited on 295 shares across 4 trades, broker 36, Secured Securities Limited on 200 shares across 5 trades, broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 190 shares across 1 trades, broker 1, Kumari Securities Pvt. Limited on 115 shares across 3 trades, broker 39, Sumeru Securities Pvt.Limited on 110 shares across 8 trades, broker 85, Capital Hub P. Ltd on 90 shares across 9 trades and broker 53, Investment Management Nepal Pvt. Ltd. on 72 shares across 4 trades.
Largest sellers by volume: broker 58, Naasa Securities Co. Ltd. on 940 shares across 22 trades, broker 53, Investment Management Nepal Pvt. Ltd. on 400 shares across 3 trades, broker 49, Online Securities Limited on 240 shares across 6 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 220 shares across 7 trades, broker 62, Capital Max Securities Limited on 150 shares across 5 trades, broker 42, Sani Securities Company Limited on 140 shares across 6 trades, broker 41, Linch Stock Market Limited on 130 shares across 5 trades, broker 59, Deevyaa Securities & Stock House Pvt. Ltd on 100 shares across 1 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 90 shares across 1 trades and broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 60 shares across 6 trades.
Annual and special general meetings Crest Micro Life Insurance Limited has called. A dividend is declared by the board and approved at the AGM.
4 years of annual statements and 9 quarters of results for CREST, with charts and peer comparison, are free on NepView.
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