Guardian Micro Life Insurance Limited (GMLI) Share Price & Fundamentals
Guardian Micro Life Insurance (GMLI) share price is Rs. 1,020.00, down 0.97% on 2026-09-22. Open Rs. 1,000.10. High Rs. 1,050.00. Low Rs. 995.00. Volume 1,412.
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.
About Guardian Micro Life Insurance Limited
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.
GMLI key metrics
GMLI strengths
What Guardian Micro Life Insurance Limited's own accounts show in its favour, graded against the rest of its sector.
- New policies sold grew 62.6% on last year, so the sales side is working. (Premium Growth & Book Quality)
- The fund set aside for policyholders grew 109%, so future claims are better covered. (Reserving & Liability Strength)
- Premiums collected grew 23.5% on last year, so the insurer is writing more business. (Premium Growth & Book Quality)
- The number of live policies grew 62.1% on last year. (Premium Growth & Book Quality)
- Earns 3.8% a year on everything it owns, so its investments are working well. (Profitability)
- 73.2% of what it owns belongs to shareholders rather than policyholders and lenders. (Solvency)
- The company grew 90.6% bigger over the year. (Shareholder Returns)
- Keeps 84.4% of the risk it takes on rather than passing it to another insurer. (Claims & Underwriting)
- Agent commissions take only 8.9% of premiums, so selling costs are controlled. (Expense Efficiency)
GMLI weaknesses
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
- Earns only 5.2% a year on shareholders' money, below what owners would hope for. (Profitability)
- Only 2.8% of income becomes profit once costs are paid. (Profitability)
- Only 11.2% of premiums come from renewals, so it depends on constantly finding new customers. (Premium Growth & Book Quality)
- Each share earned only Rs 2.14 of profit over the year. (Shareholder Returns)
- 81% of premiums go out as claims, which leaves little margin on the policies sold. (Claims & Underwriting)
- Running costs take 29.9% of premiums, a heavy load on what customers pay in. (Expense Efficiency)
- Earns only 6.1% on the money it holds, so those funds are underused. (Investment Performance)
- Only 33% of investments are long term, a mismatch against promises lasting decades. (Investment Performance)
- Only 20% is set aside to pay policyholders, which is light cover. (Reserving & Liability Strength)
- The average policy is worth only Rs 326.49, so premiums per customer are small. (Premium Growth & Book Quality)
- Holds 2.06x of the required safety capital, close to the 1.5 times the regulator sets. (Solvency)
- Only 11.6% of income comes from investments, so it depends on premiums alone. (Investment Performance)
GMLI Q4 2082/83 results
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.
GMLI annual results 2082/83
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.
GMLI profit and loss for 2082/83
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.
GMLI profit and loss for 2081/82
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.
GMLI profit and loss for 2080/81
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.
GMLI balance sheet for 2081/82
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.
GMLI balance sheet for 2080/81
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.
GMLI balance sheet for 2079/80
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.
GMLI cash flow for 2081/82
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.
GMLI cash flow for 2080/81
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.
GMLI cash flow for 2079/80
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.
GMLI quarterly for Q4 2082/83
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.
GMLI quarterly for Q3 2082/83
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.
GMLI quarterly for Q2 2082/83
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.
GMLI quarterly for Q1 2082/83
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.
GMLI Profit & Loss
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 |
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| Gross Earned Premiums | 58.4 | 45.8 | 4.2 | 0.01 |
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| Premiums Ceded | -9.1 | -5.8 | -0.52 | -0.00 |
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| Other Income | 4.9 | 7.1 | 5.0 | 1.6 |
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| Commission Income | Not reported | 0.00 | 0.08 | 0.00 |
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| Other Direct Income | 0.02 | 0.00 | 0.00 | 0.00 |
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| Income from Investments and Loans | 6.7 | 5.5 | 4.9 | 1.6 |
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| Net Gain/(Loss) on Fair Value Changes | -1.8 | -0.97 | 0.00 | 0.00 |
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| Net Realised Gains/(Losses) | Not reported | 2.6 | 0.00 | 0.00 |
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| Total Income | 57.5 | 47.1 | 8.7 | 1.6 |
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| Net Benefits and Claims Paid | -40.0 | -30.8 | -2.5 | -0.01 |
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| Gross Benefits and Claims Paid | 12.7 | -10.3 | -0.27 | 0.00 |
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| Claims Ceded | 10.0 | 3.5 | 0.13 | 0.00 |
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| Gross Change in Contract Liabilities | 11.8 | -24.0 | -2.3 | -0.01 |
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| Change in Contract Liabilities Ceded to Reinsurers | Not reported | 0.00 | 0.00 | 0.00 |
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| Other Expenses | -15.9 | -13.8 | -6.3 | -1.4 |
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| Commission Expenses | -4.4 | -3.3 | -0.43 | 0.00 |
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| Service Fees | -0.25 | -0.20 | -0.02 | -0.00 |
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| Other Direct Expenses | -0.01 | -0.01 | -0.00 | 0.00 |
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| Employee Benefits Expenses | -5.5 | -5.1 | -3.8 | -0.78 |
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| Depreciation and Amortization Expenses | -0.70 | -0.82 | -0.56 | -0.22 |
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| Other Operating Expenses | -4.9 | -4.4 | -1.5 | -0.38 |
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| Finance Cost | -0.23 | -0.12 | -0.05 | -0.01 |
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| Total Expenses | -55.9 | -44.7 | -8.8 | -1.4 |
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| Profit Before Tax | 1.6 | 2.4 | -0.11 | 0.24 |
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| Net Profit for the Year | 1.6 | 4.1 | 0.22 | 0.18 |
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| Income Tax Expenses | 0.00 | 1.7 | 0.34 | -0.06 |
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GMLI Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 |
|---|
| Total Assets | 108 | 56.5 | 53.8 |
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| Goodwill & Intangible Assets | 0.13 | 0.14 | 0.10 |
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| Property and Equipment | 1.7 | 2.0 | 2.0 |
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| Deferred Tax Assets | 2.0 | 0.32 | 0.00 |
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| Investments | 89.5 | 52.1 | 50.5 |
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| Reinsurance Assets | 0.00 | 0.00 | 0.00 |
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| Current Tax Assets | 0.84 | 0.29 | 0.03 |
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| Insurance Receivables | 10.8 | 0.00 | 0.00 |
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| Other Assets | 0.07 | 0.09 | 0.06 |
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| Other Financial Assets | 0.74 | 0.20 | 0.01 |
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| Cash and Cash Equivalent | 1.9 | 1.4 | 1.1 |
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| Total Liabilities | 28.8 | 3.6 | 1.1 |
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| Provisions | 0.44 | 0.09 | 0.05 |
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| Gross Insurance Contract Liabilities | 26.4 | 2.3 | 0.01 |
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| Deferred Tax Liabilities | 0.00 | 0.00 | 0.01 |
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| Insurance Payables | 0.00 | 0.11 | 0.00 |
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| Other Liabilities | 1.2 | 0.53 | 0.59 |
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| Other Financial Liabilities | 0.79 | 0.52 | 0.40 |
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| Total Equity | 78.9 | 52.9 | 52.7 |
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| Share Capital | 75.0 | 52.5 | 52.5 |
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| Catastrophe Reserves | 0.26 | 0.02 | 0.02 |
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| Retained Earnings | 1.6 | 0.06 | 0.16 |
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| Other Equity | 2.0 | 0.32 | 0.00 |
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GMLI Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 |
|---|
| Opening Cash & Cash Equivalents | 1.4 | 1.1 | 0.00 |
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| Net Cash Flow from Operating Activities | 9.1 | -2.0 | -0.83 |
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| Gross Premium Received | 45.8 | 4.2 | 0.01 |
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| Commission / Reinsurance Commission Received | 0.00 | 0.00 | 0.00 |
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| Claim Recovery Received from Reinsurers | 3.5 | 0.13 | 0.00 |
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| Other Direct Income Received | 0.00 | 0.00 | 0.00 |
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| Gross Benefits and Claims Paid | -10.3 | -0.27 | 0.00 |
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| Reinsurance Premium Paid | -16.8 | -0.35 | 0.00 |
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| Commission Paid | -3.2 | -0.32 | 0.00 |
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| Service Fees Paid | -0.10 | -0.00 | 0.00 |
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| Employee Benefits Expenses Paid | -4.6 | -3.7 | -0.78 |
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| Other Expenses Paid | -4.7 | -1.7 | -0.49 |
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| Income Tax Paid | -0.55 | 0.00 | 0.00 |
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| Net Cash Flow from Investing Activities | -30.5 | 2.3 | -50.6 |
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| Acquisitions of Intangible Assets | -0.02 | -0.07 | -0.11 |
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| Acquisitions of Property and Equipment | -0.15 | -0.53 | -1.5 |
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| Purchase of Equity Instruments | -29.5 | 0.00 | 0.00 |
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| Proceeds from Sale of Equity Instruments | 17.3 | 0.00 | 0.00 |
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| Purchase of Mutual Funds | -0.25 | 0.00 | 0.00 |
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| Purchase of Debentures | -1.2 | 0.00 | 0.00 |
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| Investments in Deposits | -31.3 | -6.6 | -50.5 |
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| Maturity of Deposits | 6.6 | 5.0 | 0.00 |
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| Interest Income Received | 8.0 | 4.5 | 1.6 |
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| Dividend Received | 0.00 | 0.00 | 0.00 |
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| Loans Against Insurance Policies | 0.00 | 0.00 | 0.00 |
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| Net Cash Flow from Financing Activities | 21.9 | 0.00 | 52.5 |
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| Proceeds from Issue of Share Capital | 22.5 | 0.00 | 52.5 |
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| Net Change in Cash | 0.45 | 0.32 | 1.1 |
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| Closing Cash & Cash Equivalents | 1.9 | 1.4 | 1.1 |
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GMLI Quarterly Results
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 |
|---|
Guardian Micro Life Insurance share price history
Over the last 15 trading sessions GMLI closed between Rs. 933.00 and Rs. 1,030.00, finishing at Rs. 1,020.00 on 2026-09-22 against Rs. 977.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 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 |
|---|
| 2026-09-17 | 998.80 | 1,025.00 | 968.90 | 1,000.00 | 1,654 |
|---|
| 2026-09-16 | 992.00 | 1,025.00 | 980.00 | 984.00 | 2,960 |
|---|
| 2026-09-15 | 1,033.80 | 1,040.00 | 1,001.00 | 1,020.10 | 2,177 |
|---|
| 2026-09-14 | 1,014.90 | 1,015.00 | 985.20 | 1,003.70 | 526 |
|---|
| 2026-09-11 | 970.00 | 1,001.00 | 889.00 | 991.90 | 3,616 |
|---|
| 2026-09-10 | 950.00 | 950.00 | 930.00 | 944.00 | 445 |
|---|
| 2026-09-09 | 951.00 | 960.00 | 940.00 | 957.90 | 430 |
|---|
| 2026-09-07 | 919.00 | 987.00 | 919.00 | 951.00 | 602 |
|---|
| 2026-09-03 | 950.00 | 950.00 | 927.10 | 944.00 | 1,021 |
|---|
| 2026-09-02 | 921.10 | 959.00 | 920.00 | 949.80 | 543 |
|---|
| 2026-09-01 | 905.20 | 950.00 | 905.20 | 948.00 | 582 |
|---|
| 2026-08-31 | 950.00 | 950.00 | 917.10 | 933.00 | 828 |
|---|
| 2026-08-26 | 985.20 | 999.90 | 942.90 | 977.00 | 1,532 |
|---|
GMLI share price by year
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 | 168 |
|---|
| 2025 | 301.00 | 2,778.00 | 200 |
|---|
Guardian Micro Life Insurance share price returns
At Rs. 1,020.00 on 2026-09-22, GMLI is down 0.01% over 1 week, down 0.49% over 1 month, down 13.56% over 3 months, down 42.53% over 6 months and down 48.79% over 1 year. Each return compares that close with the last close on or before the same date in the earlier period.
| Period | Return | From price (Rs.) | From date |
|---|
| 1 week | -0.01% | 1,020.10 | 2026-09-15 |
|---|
| 1 month | -0.49% | 1,025.00 | 2026-08-21 |
|---|
| 3 months | -13.56% | 1,180.00 | 2026-06-24 |
|---|
| 6 months | -42.53% | 1,774.80 | 2026-03-26 |
|---|
| 1 year | -48.79% | 1,991.62 | 2025-09-21 |
|---|
GMLI floorsheet for 2026-09-22
GMLI traded 54 times on 2026-09-22, moving 1,402 shares for Rs. 0.14 crore of turnover. Trades went through between Rs. 995.00 and Rs. 1,050.00.
Largest buyers by volume: broker 41, Linch Stock Market Limited on 220 shares across 7 trades, broker 52, Sundhara Securities Limited on 180 shares across 1 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 177 shares across 6 trades, broker 58, Naasa Securities Co. Ltd. on 140 shares across 7 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 100 shares across 1 trades, broker 7, J.F. Securities Company Pvt. Limited on 100 shares across 5 trades, broker 70, Infinity Securities Limited on 93 shares across 6 trades, broker 18, Sagarmatha Securities Pvt. Limited on 87 shares across 1 trades, broker 47, Neev Securities Pvt.Ltd on 60 shares across 1 trades and broker 22, Siprabi Securities Pvt. Limited on 40 shares across 4 trades.
Largest sellers by volume: broker 71, Shubhakamana Securities Pvt. Ltd on 670 shares across 11 trades, broker 70, Infinity Securities Limited on 235 shares across 5 trades, broker 49, Online Securities Limited on 90 shares across 5 trades, broker 58, Naasa Securities Co. Ltd. on 60 shares across 4 trades, broker 14, Nepal Stock House Pvt. Limited on 40 shares across 3 trades, broker 22, Siprabi Securities Pvt. Limited on 40 shares across 1 trades, broker 42, Sani Securities Company Limited on 30 shares across 3 trades, broker 3, Arun Securities Pvt. Limited on 30 shares across 2 trades, broker 52, Sundhara Securities Limited on 30 shares across 3 trades and broker 56, Sri Hari Securities Pvt.Ltd on 20 shares across 2 trades.
GMLI general meetings
Annual and special general meetings Guardian Micro Life Insurance Limited has called. A dividend is declared by the board and approved at the AGM.
- 3rd AGM for 2081/2082: on 2025-12-29, at Hotel Airport, Biratnagar, Morang (11:00 AM)
- SGM for 2080/2081: on 2025-04-18
- SGM for 2080/2081
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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