Guardian Micro Life Insurance (GMLI) share price is Rs. 920.10, down 2.12% on 2026-10-12. Open Rs. 912.20. High Rs. 938.00. Low Rs. 912.20. Volume 1,200.
Guardian Micro Life Insurance Limited is a NEPSE-listed company (GMLI), Life Insurance sector. Premium: Rs. 49.34 Crore. Net profit: Rs. 1.61 Crore. Net worth: Rs. 78.85 Crore.
Guardian Micro Life Insurance Limited is a NEPSE-listed micro life insurance company headquartered at Munal Path, Biratnagar, Morang, Nepal. Incorporated in December 2022, it provides micro life insurance products and services across Nepal.
Guardian Micro Life Insurance Limited (GMLI) has 75,00,000 shares outstanding.
Company website: www.gmli.com.np.
| Market Cap | Rs. 690.08 Crore |
|---|---|
| P/E Ratio | 169.31 |
| P/E Ratio (TTM) | 429.46 |
| EPS | Rs. 5.43 |
| EPS (TTM) | Rs. 2.14 |
| Book Value | Rs. 105.14 |
| Dividend Yield | 0.00% |
| Face Value | Rs. 100.00 |
| 52 Week High | Rs. 2,036.90 |
| 52 Week Low | Rs. 889.00 |
What Guardian 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 Guardian Micro Life Insurance Limited reported profit of Rs. 0.15 crore and net earned premiums of Rs. 13.74 crore. Profit in Q3 2082/83 was Rs. 0.13 crore. Profit grew 11.62% on the previous quarter. Net earned premiums grew 13.77% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 3.28 crore. Profit fell 95.47% on the same quarter last year. Net earned premiums fell 32.93% on the same quarter last year.
For the financial year 2082/83 Guardian Micro Life Insurance Limited reported net profit of Rs. 1.61 crore, net earned premiums of Rs. 49.34 crore and net worth of Rs. 78.85 crore. Net profit in 2081/82 was Rs. 4.08 crore. Net profit fell 60.58% on the year. Net earned premiums grew 23.45% on the year.
In the financial year 2082/83, Guardian Micro Life Insurance Limited reported net earned premiums of Rs. 49.34 crore, other income of Rs. 4.9 crore, total income of Rs. 57.47 crore, net benefits and claims paid of Rs. 39.95 crore, other expenses of Rs. 15.91 crore, total expenses of Rs. 55.86 crore, profit before tax of Rs. 1.61 crore and net profit for the year of Rs. 1.61 crore.
Reported under net earned premiums: gross earned premiums of Rs. 58.44 crore and premiums ceded of Rs. 9.09 crore. Reported under other income: other direct income of Rs. 0.02 crore, income from investments and loans of Rs. 6.68 crore and net gain/(loss) on fair value changes of Rs. 1.79 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 12.66 crore, claims ceded of Rs. 10.04 crore and gross change in contract liabilities of Rs. 11.79 crore. Reported under other expenses: commission expenses of Rs. 4.4 crore, service fees of Rs. 0.25 crore, other direct expenses of Rs. 0.01 crore, employee benefits expenses of Rs. 5.45 crore, depreciation and amortization expenses of Rs. 0.7 crore, other operating expenses of Rs. 4.87 crore and finance cost of Rs. 0.23 crore. Reported under net profit for the year: income tax expenses of Rs. 0 crore.
In the financial year 2081/82, Guardian Micro Life Insurance Limited reported net earned premiums of Rs. 39.97 crore, other income of Rs. 7.12 crore, total income of Rs. 47.09 crore, net benefits and claims paid of Rs. 30.84 crore, other expenses of Rs. 13.85 crore, total expenses of Rs. 44.69 crore, profit before tax of Rs. 2.39 crore and net profit for the year of Rs. 4.08 crore.
Reported under net earned premiums: gross earned premiums of Rs. 45.82 crore and premiums ceded of Rs. 5.85 crore. Reported under other income: commission income of Rs. 0 crore, other direct income of Rs. 0 crore, income from investments and loans of Rs. 5.5 crore, net gain/(loss) on fair value changes of Rs. 0.97 crore and net realised gains/(losses) of Rs. 2.59 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 10.28 crore, claims ceded of Rs. 3.45 crore, gross change in contract liabilities of Rs. 24.02 crore and change in contract liabilities ceded to reinsurers of Rs. 0 crore. Reported under other expenses: commission expenses of Rs. 3.26 crore, service fees of Rs. 0.2 crore, other direct expenses of Rs. 0.01 crore, employee benefits expenses of Rs. 5.06 crore, depreciation and amortization expenses of Rs. 0.82 crore, other operating expenses of Rs. 4.39 crore and finance cost of Rs. 0.12 crore. Reported under net profit for the year: income tax expenses of Rs. 1.68 crore.
In the financial year 2080/81, Guardian Micro Life Insurance Limited reported net earned premiums of Rs. 3.7 crore, other income of Rs. 4.97 crore, total income of Rs. 8.67 crore, net benefits and claims paid of Rs. 2.46 crore, other expenses of Rs. 6.32 crore, total expenses of Rs. 8.78 crore, profit before tax of Rs. 0.11 crore and net profit for the year of Rs. 0.22 crore.
Reported under net earned premiums: gross earned premiums of Rs. 4.22 crore and premiums ceded of Rs. 0.52 crore. Reported under other income: commission income of Rs. 0.08 crore, other direct income of Rs. 0 crore, income from investments and loans of Rs. 4.89 crore, net gain/(loss) on fair value changes of Rs. 0 crore and net realised gains/(losses) of Rs. 0 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 0.27 crore, claims ceded of Rs. 0.13 crore, gross change in contract liabilities of Rs. 2.33 crore and change in contract liabilities ceded to reinsurers of Rs. 0 crore. Reported under other expenses: commission expenses of Rs. 0.43 crore, service fees of Rs. 0.02 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 3.79 crore, depreciation and amortization expenses of Rs. 0.56 crore, other operating expenses of Rs. 1.47 crore and finance cost of Rs. 0.05 crore. Reported under net profit for the year: income tax expenses of Rs. 0.34 crore.
In the financial year 2081/82, Guardian Micro Life Insurance Limited reported total assets of Rs. 107.68 crore, total liabilities of Rs. 28.82 crore and total equity of Rs. 78.85 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.13 crore, property and equipment of Rs. 1.72 crore, deferred tax assets of Rs. 2.01 crore, investments of Rs. 89.48 crore, reinsurance assets of Rs. 0 crore, current tax assets of Rs. 0.84 crore, insurance receivables of Rs. 10.84 crore, other assets of Rs. 0.07 crore, other financial assets of Rs. 0.74 crore and cash and cash equivalent of Rs. 1.87 crore. Reported under total liabilities: provisions of Rs. 0.44 crore, gross insurance contract liabilities of Rs. 26.36 crore, deferred tax liabilities of Rs. 0 crore, insurance payables of Rs. 0 crore, other liabilities of Rs. 1.24 crore and other financial liabilities of Rs. 0.79 crore. Reported under total equity: share capital of Rs. 75 crore, catastrophe reserves of Rs. 0.26 crore, retained earnings of Rs. 1.59 crore and other equity of Rs. 2.01 crore.
In the financial year 2080/81, Guardian Micro Life Insurance Limited reported total assets of Rs. 56.48 crore, total liabilities of Rs. 3.58 crore and total equity of Rs. 52.9 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.14 crore, property and equipment of Rs. 1.96 crore, deferred tax assets of Rs. 0.32 crore, investments of Rs. 52.07 crore, reinsurance assets of Rs. 0 crore, current tax assets of Rs. 0.29 crore, insurance receivables of Rs. 0 crore, other assets of Rs. 0.09 crore, other financial assets of Rs. 0.2 crore and cash and cash equivalent of Rs. 1.41 crore. Reported under total liabilities: provisions of Rs. 0.09 crore, gross insurance contract liabilities of Rs. 2.34 crore, deferred tax liabilities of Rs. 0 crore, insurance payables of Rs. 0.11 crore, other liabilities of Rs. 0.53 crore and other financial liabilities of Rs. 0.52 crore. Reported under total equity: share capital of Rs. 52.5 crore, catastrophe reserves of Rs. 0.02 crore, retained earnings of Rs. 0.06 crore and other equity of Rs. 0.32 crore.
In the financial year 2079/80, Guardian Micro Life Insurance Limited reported total assets of Rs. 53.76 crore, total liabilities of Rs. 1.08 crore and total equity of Rs. 52.68 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.1 crore, property and equipment of Rs. 1.96 crore, deferred tax assets of Rs. 0 crore, investments of Rs. 50.5 crore, reinsurance assets of Rs. 0 crore, current tax assets of Rs. 0.03 crore, insurance receivables of Rs. 0 crore, other assets of Rs. 0.06 crore, other financial assets of Rs. 0.01 crore and cash and cash equivalent of Rs. 1.09 crore. Reported under total liabilities: provisions of Rs. 0.05 crore, gross insurance contract liabilities of Rs. 0.01 crore, deferred tax liabilities of Rs. 0.01 crore, insurance payables of Rs. 0 crore, other liabilities of Rs. 0.59 crore and other financial liabilities of Rs. 0.4 crore. Reported under total equity: share capital of Rs. 52.5 crore, catastrophe reserves of Rs. 0.02 crore, retained earnings of Rs. 0.16 crore and other equity of Rs. 0 crore.
In the financial year 2081/82, Guardian Micro Life Insurance Limited reported opening cash & cash equivalents of Rs. 1.41 crore, net cash flow from operating activities of Rs. 9.07 crore, net cash flow from investing activities of Rs. 30.51 crore, net cash flow from financing activities of Rs. 21.9 crore, net change in cash of Rs. 0.45 crore and closing cash & cash equivalents of Rs. 1.87 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 45.82 crore, commission / reinsurance commission received of Rs. 0 crore, claim recovery received from reinsurers of Rs. 3.45 crore, other direct income received of Rs. 0 crore, gross benefits and claims paid of Rs. 10.28 crore, reinsurance premium paid of Rs. 16.79 crore, commission paid of Rs. 3.21 crore, service fees paid of Rs. 0.1 crore, employee benefits expenses paid of Rs. 4.59 crore, other expenses paid of Rs. 4.66 crore and income tax paid of Rs. 0.55 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.02 crore, acquisitions of property and equipment of Rs. 0.15 crore, purchase of equity instruments of Rs. 29.5 crore, proceeds from sale of equity instruments of Rs. 17.26 crore, purchase of mutual funds of Rs. 0.25 crore, purchase of debentures of Rs. 1.21 crore, investments in deposits of Rs. 31.25 crore, maturity of deposits of Rs. 6.57 crore, interest income received of Rs. 8.04 crore, dividend received of Rs. 0 crore and loans against insurance policies of Rs. 0 crore. Reported under net cash flow from financing activities: proceeds from issue of share capital of Rs. 22.5 crore and other financing activities of Rs. 0.6 crore.
In the financial year 2080/81, Guardian Micro Life Insurance Limited reported opening cash & cash equivalents of Rs. 1.09 crore, net cash flow from operating activities of Rs. 1.97 crore, net cash flow from investing activities of Rs. 2.29 crore, net cash flow from financing activities of Rs. 0 crore, net change in cash of Rs. 0.32 crore and closing cash & cash equivalents of Rs. 1.41 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 4.22 crore, commission / reinsurance commission received of Rs. 0 crore, claim recovery received from reinsurers of Rs. 0.13 crore, other direct income received of Rs. 0 crore, gross benefits and claims paid of Rs. 0.27 crore, reinsurance premium paid of Rs. 0.35 crore, commission paid of Rs. 0.32 crore, service fees paid of Rs. 0 crore, employee benefits expenses paid of Rs. 3.67 crore, other expenses paid of Rs. 1.71 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. 0.53 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, purchase of debentures of Rs. 0 crore, investments in deposits of Rs. 6.57 crore, maturity of deposits of Rs. 5 crore, interest income received of Rs. 4.46 crore, dividend received of Rs. 0 crore and loans against insurance policies of Rs. 0 crore. Reported under net cash flow from financing activities: proceeds from issue of share capital of Rs. 0 crore.
In the financial year 2079/80, Guardian Micro Life Insurance Limited reported opening cash & cash equivalents of Rs. 0 crore, net cash flow from operating activities of Rs. 0.83 crore, net cash flow from investing activities of Rs. 50.58 crore, net cash flow from financing activities of Rs. 52.5 crore, net change in cash of Rs. 1.09 crore and closing cash & cash equivalents of Rs. 1.09 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. 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. 0.78 crore, other expenses paid of Rs. 0.49 crore and income tax paid of Rs. 0 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.11 crore, acquisitions of property and equipment of Rs. 1.53 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, purchase of debentures of Rs. 0 crore, investments in deposits of Rs. 50.5 crore, maturity of deposits of Rs. 0 crore, interest income received of Rs. 1.64 crore, dividend received of Rs. 0 crore and loans against insurance policies of Rs. 0 crore. Reported under net cash flow from financing activities: proceeds from issue of share capital of Rs. 52.5 crore.
In the quarter Q4 2082/83, Guardian Micro Life Insurance Limited reported net earned premiums of Rs. 13.74 crore, other income of Rs. 0.61 crore, total income of Rs. 14.34 crore, net benefits and claims paid of Rs. 9.52 crore, other expenses of Rs. 4.68 crore, total expenses of Rs. 14.19 crore, profit before tax of Rs. 0.15 crore and net profit for the year of Rs. 0.15 crore.
Reported under net earned premiums: gross earned premiums of Rs. 16.31 crore and premiums ceded of Rs. 2.58 crore. Reported under other income: other direct income of Rs. 0.01 crore, income from investments and loans of Rs. 1.42 crore and net gain/(loss) on fair value changes of Rs. 0.82 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 9.39 crore, claims ceded of Rs. 3.25 crore and gross change in contract liabilities of Rs. 3.38 crore. Reported under other expenses: commission expenses of Rs. 1.26 crore, service fees of Rs. 0.07 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 1.3 crore, depreciation and amortization expenses of Rs. 0.19 crore, other operating expenses of Rs. 1.84 crore and finance cost of Rs. 0.03 crore. Reported under net profit for the year: income tax expenses of Rs. 0 crore.
In the quarter Q3 2082/83, Guardian Micro Life Insurance Limited reported net earned premiums of Rs. 12.07 crore, other income of Rs. 0.85 crore, total income of Rs. 12.92 crore, net benefits and claims paid of Rs. 8.79 crore, other expenses of Rs. 3.99 crore, total expenses of Rs. 12.79 crore, profit before tax of Rs. 0.13 crore and net profit for the year of Rs. 0.13 crore.
Reported under net earned premiums: gross earned premiums of Rs. 14.61 crore and premiums ceded of Rs. 2.54 crore. Reported under other income: other direct income of Rs. 0 crore, income from investments and loans of Rs. 1.62 crore, net gain/(loss) on fair value changes of Rs. 0.78 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. 8.94 crore, claims ceded of Rs. 2.57 crore, gross change in contract liabilities of Rs. 2.43 crore and change in contract liabilities ceded to reinsurers of Rs. 0 crore. Reported under other expenses: commission expenses of Rs. 1.11 crore, service fees of Rs. 0.06 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 1.39 crore, depreciation and amortization expenses of Rs. 0.14 crore, other operating expenses of Rs. 1.12 crore and finance cost of Rs. 0.17 crore. Reported under net profit for the year: income tax expenses of Rs. 0 crore.
In the quarter Q2 2082/83, Guardian Micro Life Insurance Limited reported net earned premiums of Rs. 12.26 crore, other income of Rs. 1.91 crore, total income of Rs. 14.17 crore, net benefits and claims paid of Rs. 9.86 crore, other expenses of Rs. 3.69 crore, total expenses of Rs. 13.55 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. 14.41 crore and premiums ceded of Rs. 2.15 crore. Reported under other income: other direct income of Rs. 0 crore, income from investments and loans of Rs. 2.1 crore, net gain/(loss) on fair value changes of Rs. 0.19 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. 7.98 crore, claims ceded of Rs. 2.58 crore, gross change in contract liabilities of Rs. 4.46 crore and change in contract liabilities ceded to reinsurers of Rs. 0 crore. Reported under other expenses: commission expenses of Rs. 1.11 crore, service fees of Rs. 0.06 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 1.32 crore, depreciation and amortization expenses of Rs. 0.19 crore, other operating expenses of Rs. 1 crore and finance cost of Rs. 0.01 crore. Reported under net profit for the year: income tax expenses of Rs. 0 crore.
In the quarter Q1 2082/83, Guardian Micro Life Insurance Limited reported net earned premiums of Rs. 11.28 crore, other income of Rs. 4.76 crore, total income of Rs. 16.04 crore, net benefits and claims paid of Rs. 11.78 crore, other expenses of Rs. 3.55 crore, total expenses of Rs. 15.33 crore, profit before tax of Rs. 0.71 crore and net profit for the year of Rs. 0.71 crore.
Reported under net earned premiums: gross earned premiums of Rs. 13.1 crore and premiums ceded of Rs. 1.82 crore. Reported under other income: other direct income of Rs. 0 crore, income from investments and loans of Rs. 1.54 crore, net gain/(loss) on fair value changes of Rs. 0.01 crore, net realised gains/(losses) of Rs. 3.22 crore and other income of Rs. 0 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 5.12 crore, claims ceded of Rs. 1.63 crore, gross change in contract liabilities of Rs. 8.29 crore and change in contract liabilities ceded to reinsurers of Rs. 0 crore. Reported under other expenses: commission expenses of Rs. 0.93 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. 0.19 crore, other operating expenses of Rs. 0.92 crore and finance cost of Rs. 0.01 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 | 49.3 | 40.0 | 3.7 | 0.01 |
| Gross Earned Premiums | 58.4 | 45.8 | 4.2 | 0.01 |
| Premiums Ceded | -9.1 | -5.8 | -0.52 | -0.00 |
| Other Income | 4.9 | 7.1 | 5.0 | 1.6 |
| Commission Income | Not reported | 0.00 | 0.08 | 0.00 |
| Other Direct Income | 0.02 | 0.00 | 0.00 | 0.00 |
| Income from Investments and Loans | 6.7 | 5.5 | 4.9 | 1.6 |
| Net Gain/(Loss) on Fair Value Changes | -1.8 | -0.97 | 0.00 | 0.00 |
| Net Realised Gains/(Losses) | Not reported | 2.6 | 0.00 | 0.00 |
| Total Income | 57.5 | 47.1 | 8.7 | 1.6 |
| Net Benefits and Claims Paid | -40.0 | -30.8 | -2.5 | -0.01 |
| Gross Benefits and Claims Paid | 12.7 | -10.3 | -0.27 | 0.00 |
| Claims Ceded | 10.0 | 3.5 | 0.13 | 0.00 |
| Gross Change in Contract Liabilities | 11.8 | -24.0 | -2.3 | -0.01 |
| Change in Contract Liabilities Ceded to Reinsurers | Not reported | 0.00 | 0.00 | 0.00 |
| Other Expenses | -15.9 | -13.8 | -6.3 | -1.4 |
| Commission Expenses | -4.4 | -3.3 | -0.43 | 0.00 |
| Service Fees | -0.25 | -0.20 | -0.02 | -0.00 |
| Other Direct Expenses | -0.01 | -0.01 | -0.00 | 0.00 |
| Employee Benefits Expenses | -5.5 | -5.1 | -3.8 | -0.78 |
| Depreciation and Amortization Expenses | -0.70 | -0.82 | -0.56 | -0.22 |
| Other Operating Expenses | -4.9 | -4.4 | -1.5 | -0.38 |
| Finance Cost | -0.23 | -0.12 | -0.05 | -0.01 |
| Total Expenses | -55.9 | -44.7 | -8.8 | -1.4 |
| Profit Before Tax | 1.6 | 2.4 | -0.11 | 0.24 |
| Net Profit for the Year | 1.6 | 4.1 | 0.22 | 0.18 |
| Income Tax Expenses | 0.00 | 1.7 | 0.34 | -0.06 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 |
|---|---|---|---|
| Total Assets | 108 | 56.5 | 53.8 |
| Goodwill & Intangible Assets | 0.13 | 0.14 | 0.10 |
| Property and Equipment | 1.7 | 2.0 | 2.0 |
| Deferred Tax Assets | 2.0 | 0.32 | 0.00 |
| Investments | 89.5 | 52.1 | 50.5 |
| Reinsurance Assets | 0.00 | 0.00 | 0.00 |
| Current Tax Assets | 0.84 | 0.29 | 0.03 |
| Insurance Receivables | 10.8 | 0.00 | 0.00 |
| Other Assets | 0.07 | 0.09 | 0.06 |
| Other Financial Assets | 0.74 | 0.20 | 0.01 |
| Cash and Cash Equivalent | 1.9 | 1.4 | 1.1 |
| Total Liabilities | 28.8 | 3.6 | 1.1 |
| Provisions | 0.44 | 0.09 | 0.05 |
| Gross Insurance Contract Liabilities | 26.4 | 2.3 | 0.01 |
| Deferred Tax Liabilities | 0.00 | 0.00 | 0.01 |
| Insurance Payables | 0.00 | 0.11 | 0.00 |
| Other Liabilities | 1.2 | 0.53 | 0.59 |
| Other Financial Liabilities | 0.79 | 0.52 | 0.40 |
| Total Equity | 78.9 | 52.9 | 52.7 |
| Share Capital | 75.0 | 52.5 | 52.5 |
| Catastrophe Reserves | 0.26 | 0.02 | 0.02 |
| Retained Earnings | 1.6 | 0.06 | 0.16 |
| Other Equity | 2.0 | 0.32 | 0.00 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 |
|---|---|---|---|
| Opening Cash & Cash Equivalents | 1.4 | 1.1 | 0.00 |
| Net Cash Flow from Operating Activities | 9.1 | -2.0 | -0.83 |
| Gross Premium Received | 45.8 | 4.2 | 0.01 |
| Commission / Reinsurance Commission Received | 0.00 | 0.00 | 0.00 |
| Claim Recovery Received from Reinsurers | 3.5 | 0.13 | 0.00 |
| Other Direct Income Received | 0.00 | 0.00 | 0.00 |
| Gross Benefits and Claims Paid | -10.3 | -0.27 | 0.00 |
| Reinsurance Premium Paid | -16.8 | -0.35 | 0.00 |
| Commission Paid | -3.2 | -0.32 | 0.00 |
| Service Fees Paid | -0.10 | -0.00 | 0.00 |
| Employee Benefits Expenses Paid | -4.6 | -3.7 | -0.78 |
| Other Expenses Paid | -4.7 | -1.7 | -0.49 |
| Income Tax Paid | -0.55 | 0.00 | 0.00 |
| Net Cash Flow from Investing Activities | -30.5 | 2.3 | -50.6 |
| Acquisitions of Intangible Assets | -0.02 | -0.07 | -0.11 |
| Acquisitions of Property and Equipment | -0.15 | -0.53 | -1.5 |
| Purchase of Equity Instruments | -29.5 | 0.00 | 0.00 |
| Proceeds from Sale of Equity Instruments | 17.3 | 0.00 | 0.00 |
| Purchase of Mutual Funds | -0.25 | 0.00 | 0.00 |
| Purchase of Debentures | -1.2 | 0.00 | 0.00 |
| Investments in Deposits | -31.3 | -6.6 | -50.5 |
| Maturity of Deposits | 6.6 | 5.0 | 0.00 |
| Interest Income Received | 8.0 | 4.5 | 1.6 |
| Dividend Received | 0.00 | 0.00 | 0.00 |
| Loans Against Insurance Policies | 0.00 | 0.00 | 0.00 |
| Net Cash Flow from Financing Activities | 21.9 | 0.00 | 52.5 |
| Proceeds from Issue of Share Capital | 22.5 | 0.00 | 52.5 |
| Other Financing Activities | -0.60 | Not reported | Not reported |
| Net Change in Cash | 0.45 | 0.32 | 1.1 |
| Closing Cash & Cash Equivalents | 1.9 | 1.4 | 1.1 |
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 | 13.7 | 12.1 | 12.3 | 11.3 | 20.5 | 7.6 | 6.7 | 5.1 | 1.9 |
| Gross Earned Premiums | 16.3 | 14.6 | 14.4 | 13.1 | 25.1 | 8.1 | 7.1 | 5.4 | 2.2 |
| Premiums Ceded | -2.6 | -2.5 | -2.2 | -1.8 | -4.7 | -0.52 | -0.40 | -0.27 | -0.25 |
| Other Income | 0.61 | 0.85 | 1.9 | 4.8 | 1.1 | 3.5 | 1.9 | 1.3 | 1.3 |
| Commission Income | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | 0.08 |
| Other Direct Income | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | Not reported |
| Income from Investments and Loans | 1.4 | 1.6 | 2.1 | 1.5 | 1.5 | 1.5 | 1.3 | 1.3 | 1.3 |
| Net Gain/(Loss) on Fair Value Changes | -0.82 | -0.78 | -0.19 | -0.01 | -0.42 | -0.55 | 0.61 | 0.00 | 0.00 |
| Net Realised Gains/(Losses) | Not reported | 0.00 | 0.00 | 3.2 | 0.00 | 2.6 | 0.00 | 0.00 | 0.00 |
| Other Income | Not reported | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Income | 14.3 | 12.9 | 14.2 | 16.0 | 21.6 | 11.1 | 8.6 | 6.4 | 3.3 |
| Net Benefits and Claims Paid | -9.5 | -8.8 | -9.9 | -11.8 | -13.2 | -5.9 | -5.0 | -3.2 | -1.2 |
| Gross Benefits and Claims Paid | -9.4 | 8.9 | 8.0 | 5.1 | 5.4 | 2.6 | 1.8 | 0.53 | -0.19 |
| Claims Ceded | 3.3 | 2.6 | 2.6 | 1.6 | 1.9 | 0.77 | 0.67 | 0.21 | 0.08 |
| Gross Change in Contract Liabilities | -3.4 | 2.4 | 4.5 | 8.3 | 9.7 | 4.1 | 3.9 | 2.9 | -1.2 |
| Change in Contract Liabilities Ceded to Reinsurers | Not reported | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.12 |
| Other Expenses | -4.7 | -4.0 | -3.7 | -3.6 | -5.0 | -3.6 | -2.9 | -2.7 | -2.0 |
| Commission Expenses | -1.3 | -1.1 | -1.1 | -0.93 | -1.2 | -0.83 | -0.72 | -0.56 | -0.25 |
| Service Fees | -0.07 | -0.06 | -0.06 | -0.06 | -0.10 | -0.04 | -0.03 | -0.03 | -0.01 |
| Other Direct Expenses | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | 0.00 | -0.00 |
| Employee Benefits Expenses | -1.3 | -1.4 | -1.3 | -1.4 | -1.7 | -1.3 | -1.2 | -1.2 | -1.0 |
| Depreciation and Amortization Expenses | -0.19 | -0.14 | -0.19 | -0.19 | -0.18 | -0.18 | -0.22 | -0.23 | -0.19 |
| Other Operating Expenses | -1.8 | -1.1 | -1.00 | -0.92 | -1.9 | -1.3 | -0.73 | -0.44 | -0.54 |
| Finance Cost | -0.03 | -0.17 | -0.01 | -0.01 | -0.02 | -0.02 | -0.02 | -0.19 | -0.01 |
| Total Expenses | -14.2 | -12.8 | -13.6 | -15.3 | -18.3 | -9.5 | -8.0 | -5.9 | -3.2 |
| Profit Before Tax | 0.15 | 0.13 | 0.62 | 0.71 | 3.3 | 1.6 | 0.63 | 0.53 | 0.07 |
| Net Profit for the Year | 0.15 | 0.13 | 0.62 | 0.71 | 3.3 | 1.6 | 0.63 | 0.53 | 0.07 |
| Income Tax Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Over the last 15 trading sessions GMLI closed between Rs. 920.10 and Rs. 1,030.00, finishing at Rs. 920.10 on 2026-10-12 against Rs. 1,030.00 on 2026-09-18.
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| 2026-10-12 | 912.20 | 938.00 | 912.20 | 920.10 | 1,200 |
| 2026-10-09 | 906.00 | 950.00 | 906.00 | 940.00 | 1,553 |
| 2026-10-08 | 911.20 | 930.20 | 911.20 | 930.00 | 1,185 |
| 2026-10-07 | 930.10 | 951.90 | 921.00 | 939.00 | 1,085 |
| 2026-10-06 | 928.00 | 957.50 | 925.00 | 957.00 | 1,990 |
| 2026-10-05 | 923.00 | 935.00 | 922.20 | 935.00 | 677 |
| 2026-10-02 | 935.50 | 950.00 | 933.00 | 949.00 | 240 |
| 2026-10-01 | 920.60 | 960.00 | 920.60 | 946.50 | 240 |
| 2026-09-30 | 941.00 | 949.00 | 932.00 | 949.00 | 491 |
| 2026-09-29 | 962.00 | 980.00 | 941.00 | 960.00 | 2,031 |
| 2026-09-28 | 971.00 | 980.00 | 962.10 | 980.00 | 1,319 |
| 2026-09-24 | 970.00 | 1,000.00 | 970.00 | 990.00 | 854 |
| 2026-09-23 | 990.00 | 1,000.00 | 990.00 | 1,000.00 | 504 |
| 2026-09-22 | 1,000.10 | 1,050.00 | 995.00 | 1,020.00 | 1,412 |
| 2026-09-18 | 970.00 | 1,059.00 | 970.00 | 1,030.00 | 1,850 |
2026, between Rs. 889.00 and Rs. 1,949.00 and 2025, between Rs. 301.00 and Rs. 2,778.00.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|---|---|---|
| 2026 | 889.00 | 1,949.00 | 181 |
| 2025 | 301.00 | 2,778.00 | 200 |
At Rs. 920.10 on 2026-10-12, GMLI is down 1.59% over 1 week, down 7.24% over 1 month, down 21.36% over 3 months, down 40.62% over 6 months and down 52.43% 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 | -1.59% | 935.00 | 2026-10-05 |
| 1 month | -7.24% | 991.90 | 2026-09-11 |
| 3 months | -21.36% | 1,170.00 | 2026-07-14 |
| 6 months | -40.62% | 1,549.50 | 2026-04-15 |
| 1 year | -52.43% | 1,934.00 | 2025-10-12 |
GMLI traded 43 times on 2026-10-12, moving 1,200 shares for Rs. 0.11 crore of turnover. Trades went through between Rs. 912.20 and Rs. 938.00.
Largest buyers by volume: broker 33, Dakshinkali Investment Securities Pvt.Limited on 300 shares across 6 trades, broker 56, Sri Hari Securities Pvt.Ltd on 291 shares across 9 trades, broker 58, Naasa Securities Co. Ltd. on 164 shares across 7 trades, broker 85, Capital Hub P. Ltd on 120 shares across 6 trades, broker 70, Infinity Securities Limited on 110 shares across 6 trades, broker 41, Linch Stock Market Limited on 100 shares across 2 trades, broker 3, Arun Securities Pvt. Limited on 65 shares across 2 trades, broker 34, Vision Securities Pvt.Limited on 20 shares across 2 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 10 shares across 1 trades and broker 26, Asian Securities Pvt. Limited on 10 shares across 1 trades.
Largest sellers by volume: broker 64, Sun Securities Pvt. Ltd on 500 shares across 9 trades, broker 34, Vision Securities Pvt.Limited on 180 shares across 3 trades, broker 70, Infinity Securities Limited on 131 shares across 3 trades, broker 14, Nepal Stock House Pvt. Limited on 92 shares across 3 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 50 shares across 3 trades, broker 49, Online Securities Limited on 30 shares across 3 trades, broker 58, Naasa Securities Co. Ltd. on 30 shares across 3 trades, broker 39, Sumeru Securities Pvt.Limited on 23 shares across 1 trades, broker 42, Sani Securities Company Limited on 20 shares across 2 trades and broker 35, Kohinoor Investment and Securities Pvt.Ltd on 20 shares across 1 trades.
Annual and special general meetings Guardian 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 GMLI, with charts and peer comparison, are free on NepView.
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