Himalayan Life Insurance Limited (HLI) Share Price & Fundamentals
Himalayan Life Insurance (HLI) share price is Rs. 314.50, down 0.79% on 2026-09-22. Open Rs. 314.00. High Rs. 318.00. Low Rs. 308.80. Volume 60,624.
Himalayan Life Insurance Limited is a NEPSE-listed company (HLI), Life Insurance sector. Premium: Rs. 1,832.59 Crore. Net profit: Rs. 32.68 Crore. Net worth: Rs. 1,010.7 Crore.
About Himalayan Life Insurance Limited
Himalayan Life Insurance Limited (HLI) has 9,14,32,373 shares outstanding.
HLI key metrics
HLI strengths
What Himalayan Life Insurance Limited's own accounts show in its favour, graded against the rest of its sector.
- Keeps 98% of the risk it takes on rather than passing it to another insurer. (Claims & Underwriting)
- Running costs take only 17.3% of premiums, so the business is efficiently run. (Expense Efficiency)
- The company grew 18.4% bigger over the year. (Shareholder Returns)
- Agent commissions take only 8.3% of premiums, so selling costs are controlled. (Expense Efficiency)
HLI weaknesses
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
- Earns only 5.7% a year on shareholders' money, below what owners would hope for. (Profitability)
- 110.6% of premiums go out as claims, which leaves little margin on the policies sold. (Claims & Underwriting)
- Only 1.3% of income becomes profit once costs are paid. (Profitability)
- Each share earned only Rs 3.57 of profit over the year. (Shareholder Returns)
- Earns only 0.6% a year on everything it owns, so its money is not working hard. (Profitability)
- Premiums moved 5.6% on last year, so the business is not expanding. (Premium Growth & Book Quality)
- Earns only 7.6% on the money it holds, so those funds are underused. (Investment Performance)
- Only 11% of what it owns belongs to shareholders, so there is less cushion for losses. (Solvency)
- Only 20.4% of income comes from investments, so it depends on premiums alone. (Investment Performance)
HLI Q4 2082/83 results
In Q4 2082/83 Himalayan Life Insurance Limited reported profit of Rs. 5.25 crore and net earned premiums of Rs. 538.96 crore. Profit in Q3 2082/83 was Rs. 6.46 crore. Profit fell 18.75% on the previous quarter. Net earned premiums grew 19.01% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 7.59 crore. Profit fell 30.84% on the same quarter last year. Net earned premiums grew 6.16% on the same quarter last year.
HLI annual results 2082/83
For the financial year 2082/83 Himalayan Life Insurance Limited reported net profit of Rs. 32.68 crore, net earned premiums of Rs. 1,832.59 crore and net worth of Rs. 1,010.7 crore. Net profit in 2081/82 was Rs. 57.37 crore. Net profit fell 43.04% on the year. Net earned premiums grew 5.57% on the year.
HLI profit and loss for 2082/83
In the financial year 2082/83, Himalayan Life Insurance Limited reported net earned premiums of Rs. 1,832.59 crore, other income of Rs. 619.81 crore, total income of Rs. 2,452.4 crore, net benefits and claims paid of Rs. 2,026.37 crore, other expenses of Rs. 338.81 crore, total expenses of Rs. 2,367.29 crore, profit before tax of Rs. 85.1 crore and net profit for the year of Rs. 32.68 crore.
Reported under net earned premiums: gross earned premiums of Rs. 1,869.16 crore and premiums ceded of Rs. 36.58 crore. Reported under other income: other direct income of Rs. 13.97 crore, interest income on loan to policyholders of Rs. 75.89 crore, income from investments and loans of Rs. 500.41 crore, net gain/(loss) on fair value changes of Rs. 2.31 crore, net realised gains/(losses) of Rs. 25.5 crore and other income of Rs. 1.74 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 791.95 crore, claims ceded of Rs. 14.23 crore, gross change in contract liabilities of Rs. 1,248.76 crore and change in contract liabilities ceded to reinsurers of Rs. 0.1 crore. Reported under other expenses: commission expenses of Rs. 152.43 crore, service fees of Rs. 13.74 crore, employee benefits expenses of Rs. 90.28 crore, depreciation and amortization expenses of Rs. 7.55 crore and other operating expenses of Rs. 74.81 crore. Reported under profit before tax: share of net profit of associates (equity method) of Rs. 0.01 crore. Reported under net profit for the year: income tax expenses of Rs. 52.42 crore.
HLI profit and loss for 2081/82
In the financial year 2081/82, Himalayan Life Insurance Limited reported net earned premiums of Rs. 1,735.89 crore, other income of Rs. 819.77 crore, total income of Rs. 2,555.65 crore, net benefits and claims paid of Rs. 2,057.12 crore, other expenses of Rs. 335.52 crore, total expenses of Rs. 2,392.64 crore, profit before tax of Rs. 163.01 crore and net profit for the year of Rs. 57.37 crore.
Reported under net earned premiums: gross earned premiums of Rs. 1,780.33 crore and premiums ceded of Rs. 44.44 crore. Reported under other income: commission income of Rs. 3.93 crore, other direct income of Rs. 8.83 crore, interest income on loan to policyholders of Rs. 88 crore, income from investments and loans of Rs. 570.61 crore, net gain/(loss) on fair value changes of Rs. 1.86 crore, net realised gains/(losses) of Rs. 141.54 crore and other income of Rs. 5.01 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 739.79 crore, claims ceded of Rs. 15.78 crore, gross change in contract liabilities of Rs. 1,333.09 crore and change in contract liabilities ceded to reinsurers of Rs. 0.02 crore. Reported under other expenses: commission expenses of Rs. 146.29 crore, service fees of Rs. 13.02 crore, employee benefits expenses of Rs. 88.28 crore, depreciation and amortization expenses of Rs. 8.11 crore, other operating expenses of Rs. 77.32 crore and finance cost of Rs. 2.49 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. 105.64 crore.
HLI profit and loss for 2080/81
In the financial year 2080/81, Himalayan Life Insurance Limited reported net earned premiums of Rs. 1,628.31 crore, other income of Rs. 637.98 crore, total income of Rs. 2,266.28 crore, net benefits and claims paid of Rs. 1,809.04 crore, other expenses of Rs. 320.76 crore, total expenses of Rs. 2,129.79 crore, profit before tax of Rs. 136.49 crore and net profit for the year of Rs. 75.42 crore.
Reported under net earned premiums: gross earned premiums of Rs. 1,660.73 crore and premiums ceded of Rs. 32.43 crore. Reported under other income: commission income of Rs. 0 crore, other direct income of Rs. 8.17 crore, interest income on loan to policyholders of Rs. 80.03 crore, income from investments and loans of Rs. 537.41 crore, net gain/(loss) on fair value changes of Rs. 1.4 crore, net realised gains/(losses) of Rs. 5.91 crore and other income of Rs. 7.86 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 613.3 crore, claims ceded of Rs. 17.38 crore, gross change in contract liabilities of Rs. 1,209.17 crore and change in contract liabilities ceded to reinsurers of Rs. 3.95 crore. Reported under other expenses: commission expenses of Rs. 138.55 crore, service fees of Rs. 12.21 crore, employee benefits expenses of Rs. 91.74 crore, depreciation and amortization expenses of Rs. 7.74 crore, other operating expenses of Rs. 67.83 crore and finance cost of Rs. 2.69 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. 61.07 crore.
HLI balance sheet for 2081/82
In the financial year 2081/82, Himalayan Life Insurance Limited reported total assets of Rs. 9,191.05 crore, total liabilities of Rs. 8,180.35 crore and total equity of Rs. 1,010.7 crore.
Reported under total assets: goodwill & intangible assets of Rs. 3.2 crore, property and equipment of Rs. 67.92 crore, investment properties of Rs. 75.82 crore, deferred tax assets of Rs. 0.25 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 11.21 crore, investments of Rs. 7,485.52 crore, loans of Rs. 800.62 crore, reinsurance assets of Rs. 0.63 crore, current tax assets of Rs. 75.38 crore, insurance receivables of Rs. 11.48 crore, other assets of Rs. 2.62 crore, other financial assets of Rs. 452.18 crore and cash and cash equivalent of Rs. 204.2 crore. Reported under total liabilities: provisions of Rs. 45.97 crore, gross insurance contract liabilities of Rs. 7,707.87 crore, deferred tax liabilities of Rs. 13.45 crore, insurance payables of Rs. 33.53 crore, current tax liabilities of Rs. 0 crore, other liabilities of Rs. 279.75 crore and other financial liabilities of Rs. 99.79 crore. Reported under total equity: share capital of Rs. 914.32 crore, share premium of Rs. 0 crore, catastrophe reserves of Rs. 44.05 crore, retained earnings of Rs. 75.51 crore and other equity of Rs. 23.19 crore.
HLI balance sheet for 2080/81
In the financial year 2080/81, Himalayan Life Insurance Limited reported total assets of Rs. 7,761.09 crore, total liabilities of Rs. 6,721.35 crore and total equity of Rs. 1,039.74 crore.
Reported under total assets: goodwill & intangible assets of Rs. 3.26 crore, property and equipment of Rs. 69.16 crore, investment properties of Rs. 0 crore, deferred tax assets of Rs. 0.87 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investments of Rs. 6,606.6 crore, loans of Rs. 690.19 crore, reinsurance assets of Rs. 0.66 crore, current tax assets of Rs. 117.75 crore, insurance receivables of Rs. 4.49 crore, other assets of Rs. 2.4 crore, other financial assets of Rs. 163.49 crore and cash and cash equivalent of Rs. 102.23 crore. Reported under total liabilities: provisions of Rs. 11.57 crore, gross insurance contract liabilities of Rs. 6,374.52 crore, deferred tax liabilities of Rs. 15.64 crore, insurance payables of Rs. 29.99 crore, current tax liabilities of Rs. 0 crore, other liabilities of Rs. 185.52 crore and other financial liabilities of Rs. 104.12 crore. Reported under total equity: share capital of Rs. 914.32 crore, share premium of Rs. 0 crore, catastrophe reserves of Rs. 41.12 crore, retained earnings of Rs. 93.27 crore and other equity of Rs. 8.98 crore.
HLI cash flow for 2081/82
In the financial year 2081/82, Himalayan Life Insurance Limited reported opening cash & cash equivalents of Rs. 102.23 crore, net cash flow from operating activities of Rs. 601.39 crore, net cash flow from investing activities of Rs. 420.13 crore, net cash flow from financing activities of Rs. 79.29 crore, net change in cash of Rs. 101.97 crore and closing cash & cash equivalents of Rs. 204.2 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 1,780.33 crore, commission / reinsurance commission received of Rs. 3.93 crore, claim recovery received from reinsurers of Rs. 15.78 crore, other direct income received of Rs. 8.83 crore, gross benefits and claims paid of Rs. 739.79 crore, reinsurance premium paid of Rs. 41.23 crore, commission paid of Rs. 145.7 crore, service fees paid of Rs. 21.83 crore, employee benefits expenses paid of Rs. 92.02 crore, other expenses paid of Rs. 73.17 crore and income tax paid of Rs. 8.59 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. 5.4 crore, purchase of equity instruments of Rs. 984.27 crore, proceeds from sale of equity instruments of Rs. 468.72 crore, purchase of mutual funds of Rs. 55.76 crore, proceeds from sale of mutual funds of Rs. 0.41 crore, purchase of debentures of Rs. 75.14 crore, proceeds from sale of debentures of Rs. 0 crore, investments in deposits of Rs. 1,974.58 crore, maturity of deposits of Rs. 1,724.38 crore, interest income received of Rs. 656.49 crore, dividend received of Rs. 4.99 crore and loans against insurance policies of Rs. 106.54 crore. Reported under net cash flow from financing activities: interest paid of Rs. 0.17 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. 73.15 crore.
HLI cash flow for 2080/81
In the financial year 2080/81, Himalayan Life Insurance Limited reported opening cash & cash equivalents of Rs. 160.45 crore, net cash flow from operating activities of Rs. 690.87 crore, net cash flow from investing activities of Rs. 763.02 crore, net cash flow from financing activities of Rs. 13.93 crore, net change in cash of Rs. 58.22 crore and closing cash & cash equivalents of Rs. 102.23 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 1,660.73 crore, commission / reinsurance commission received of Rs. 0 crore, claim recovery received from reinsurers of Rs. 17.38 crore, other direct income received of Rs. 8.17 crore, gross benefits and claims paid of Rs. 613.3 crore, reinsurance premium paid of Rs. 22.88 crore, commission paid of Rs. 135.14 crore, service fees paid of Rs. 12.83 crore, employee benefits expenses paid of Rs. 79.54 crore, other expenses paid of Rs. 60.75 crore and income tax paid of Rs. 0 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.37 crore, acquisitions of property and equipment of Rs. 1.92 crore, purchase of equity instruments of Rs. 525.1 crore, proceeds from sale of equity instruments of Rs. 126.93 crore, purchase of mutual funds of Rs. 24 crore, proceeds from sale of mutual funds of Rs. 1.24 crore, purchase of debentures of Rs. 85.13 crore, proceeds from sale of debentures of Rs. 17.03 crore, investments in deposits of Rs. 1,521.92 crore, maturity of deposits of Rs. 726.34 crore, interest income received of Rs. 613.69 crore, dividend received of Rs. 3.74 crore and loans against insurance policies of Rs. 101.94 crore. Reported under net cash flow from financing activities: interest paid of Rs. 0.07 crore, proceeds from borrowings of Rs. 0 crore, repayment of borrowings of Rs. 0 crore, proceeds from issue of share capital of Rs. 20 crore and dividend paid of Rs. 0 crore.
HLI quarterly for Q4 2082/83
In the quarter Q4 2082/83, Himalayan Life Insurance Limited reported net earned premiums of Rs. 538.96 crore, other income of Rs. 152.13 crore, total income of Rs. 691.08 crore, net benefits and claims paid of Rs. 562.55 crore, other expenses of Rs. 114.51 crore, total expenses of Rs. 677.06 crore, profit before tax of Rs. 14 crore and net profit for the year of Rs. 5.25 crore.
Reported under net earned premiums: gross earned premiums of Rs. 542.33 crore and premiums ceded of Rs. 3.37 crore. Reported under other income: commission income of Rs. 0 crore, other direct income of Rs. 4.84 crore, interest income on loan to policyholders of Rs. 19.57 crore, income from investments and loans of Rs. 126.06 crore, net gain/(loss) on fair value changes of Rs. 0.46 crore, net realised gains/(losses) of Rs. 0.6 crore and other income of Rs. 0.59 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 233.86 crore, claims ceded of Rs. 3.19 crore, gross change in contract liabilities of Rs. 332.07 crore and change in contract liabilities ceded to reinsurers of Rs. 0.2 crore. Reported under other expenses: commission expenses of Rs. 48.13 crore, service fees of Rs. 4.04 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 20.26 crore, depreciation and amortization expenses of Rs. 4.72 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 35.25 crore and finance cost of Rs. 2.1 crore. Reported under profit before tax: share of net profit of associates (equity method) of Rs. 0.03 crore. Reported under net profit for the year: income tax expenses of Rs. 8.75 crore.
HLI quarterly for Q3 2082/83
In the quarter Q3 2082/83, Himalayan Life Insurance Limited reported net earned premiums of Rs. 452.85 crore, other income of Rs. 151.51 crore, total income of Rs. 604.36 crore, net benefits and claims paid of Rs. 503.33 crore, other expenses of Rs. 75.16 crore, total expenses of Rs. 578.49 crore, profit before tax of Rs. 25.95 crore and net profit for the year of Rs. 6.46 crore.
Reported under net earned premiums: gross earned premiums of Rs. 464.46 crore and premiums ceded of Rs. 11.61 crore. Reported under other income: other direct income of Rs. 3.83 crore, interest income on loan to policyholders of Rs. 19.73 crore, income from investments and loans of Rs. 115.74 crore, net gain/(loss) on fair value changes of Rs. 0.46 crore, net realised gains/(losses) of Rs. 11.55 crore and other income of Rs. 0.21 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 193.65 crore, claims ceded of Rs. 3.23 crore, gross change in contract liabilities of Rs. 312.8 crore and change in contract liabilities ceded to reinsurers of Rs. 0.12 crore. Reported under other expenses: commission expenses of Rs. 35.53 crore, service fees of Rs. 3.4 crore, employee benefits expenses of Rs. 16.82 crore, depreciation and amortization expenses of Rs. 0.95 crore and other operating expenses of Rs. 18.46 crore. Reported under profit before tax: share of net profit of associates (equity method) of Rs. 0.08 crore. Reported under net profit for the year: income tax expenses of Rs. 19.48 crore.
HLI quarterly for Q2 2082/83
In the quarter Q2 2082/83, Himalayan Life Insurance Limited reported net earned premiums of Rs. 408.18 crore, other income of Rs. 145.79 crore, total income of Rs. 553.98 crore, net benefits and claims paid of Rs. 453.3 crore, other expenses of Rs. 74.53 crore, total expenses of Rs. 527.83 crore, profit before tax of Rs. 26.08 crore and net profit for the year of Rs. 8.42 crore.
Reported under net earned premiums: gross earned premiums of Rs. 418.67 crore and premiums ceded of Rs. 10.48 crore. Reported under other income: other direct income of Rs. 3.03 crore, interest income on loan to policyholders of Rs. 17.93 crore, income from investments and loans of Rs. 123.51 crore, net gain/(loss) on fair value changes of Rs. 0.82 crore, net realised gains/(losses) of Rs. 0.19 crore and other income of Rs. 0.31 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 187.68 crore, claims ceded of Rs. 5.45 crore, gross change in contract liabilities of Rs. 271.18 crore and change in contract liabilities ceded to reinsurers of Rs. 0.11 crore. Reported under other expenses: commission expenses of Rs. 33.54 crore, service fees of Rs. 3.06 crore, employee benefits expenses of Rs. 24.65 crore, depreciation and amortization expenses of Rs. 0.94 crore and other operating expenses of Rs. 12.33 crore. Reported under profit before tax: share of net profit of associates (equity method) of Rs. 0.06 crore. Reported under net profit for the year: income tax expenses of Rs. 17.67 crore.
HLI quarterly for Q1 2082/83
In the quarter Q1 2082/83, Himalayan Life Insurance Limited reported net earned premiums of Rs. 432.59 crore, other income of Rs. 170.38 crore, total income of Rs. 602.98 crore, net benefits and claims paid of Rs. 507.19 crore, other expenses of Rs. 76.71 crore, total expenses of Rs. 583.91 crore, profit before tax of Rs. 19.07 crore and net profit for the year of Rs. 12.55 crore.
Reported under net earned premiums: gross earned premiums of Rs. 443.7 crore and premiums ceded of Rs. 11.11 crore. Reported under other income: other direct income of Rs. 2.28 crore, interest income on loan to policyholders of Rs. 18.66 crore, income from investments and loans of Rs. 135.1 crore, net gain/(loss) on fair value changes of Rs. 0.57 crore, net realised gains/(losses) of Rs. 13.16 crore and other income of Rs. 0.62 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 176.75 crore, claims ceded of Rs. 2.35 crore, gross change in contract liabilities of Rs. 332.71 crore and change in contract liabilities ceded to reinsurers of Rs. 0.09 crore. Reported under other expenses: commission expenses of Rs. 35.23 crore, service fees of Rs. 3.24 crore, employee benefits expenses of Rs. 28.55 crore, depreciation and amortization expenses of Rs. 0.93 crore and other operating expenses of Rs. 8.77 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. 6.52 crore.
HLI Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 |
|---|
| Net Earned Premiums | 1,833 | 1,736 | 1,628 |
|---|
| Gross Earned Premiums | 1,869 | 1,780 | 1,661 |
|---|
| Premiums Ceded | -36.6 | -44.4 | -32.4 |
|---|
| Other Income | 620 | 820 | 638 |
|---|
| Commission Income | Not reported | 3.9 | 0.00 |
|---|
| Other Direct Income | 14.0 | 8.8 | 8.2 |
|---|
| Interest Income on Loan to Policyholders | 75.9 | 88.0 | 80.0 |
|---|
| Income from Investments and Loans | 500 | 571 | 537 |
|---|
| Net Gain/(Loss) on Fair Value Changes | 2.3 | 1.9 | -1.4 |
|---|
| Net Realised Gains/(Losses) | 25.5 | 142 | 5.9 |
|---|
| Other Income | 1.7 | 5.0 | 7.9 |
|---|
| Total Income | 2,452 | 2,556 | 2,266 |
|---|
| Net Benefits and Claims Paid | -2,026 | -2,057 | -1,809 |
|---|
| Gross Benefits and Claims Paid | -792 | -740 | -613 |
|---|
| Claims Ceded | 14.2 | 15.8 | 17.4 |
|---|
| Gross Change in Contract Liabilities | -1,249 | -1,333 | -1,209 |
|---|
| Change in Contract Liabilities Ceded to Reinsurers | 0.10 | -0.02 | -3.9 |
|---|
| Other Expenses | -339 | -336 | -321 |
|---|
| Commission Expenses | -152 | -146 | -139 |
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| Service Fees | -13.7 | -13.0 | -12.2 |
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| Employee Benefits Expenses | -90.3 | -88.3 | -91.7 |
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| Depreciation and Amortization Expenses | -7.5 | -8.1 | -7.7 |
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| Other Operating Expenses | -74.8 | -77.3 | -67.8 |
|---|
| Finance Cost | Not reported | -2.5 | -2.7 |
|---|
| Total Expenses | -2,367 | -2,393 | -2,130 |
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| Profit Before Tax | 85.1 | 163 | 136 |
|---|
| Share of Net Profit of Associates (Equity Method) | -0.01 | 0.00 | 0.00 |
|---|
| Net Profit for the Year | 32.7 | 57.4 | 75.4 |
|---|
| Income Tax Expenses | -52.4 | -106 | -61.1 |
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HLI Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 |
|---|
| Total Assets | 9,191 | 7,761 |
|---|
| Goodwill & Intangible Assets | 3.2 | 3.3 |
|---|
| Property and Equipment | 67.9 | 69.2 |
|---|
| Investment Properties | 75.8 | 0.00 |
|---|
| Deferred Tax Assets | 0.25 | 0.87 |
|---|
| Investment in Subsidiaries | 0.00 | 0.00 |
|---|
| Investment in Associates | 11.2 | 0.00 |
|---|
| Investments | 7,486 | 6,607 |
|---|
| Loans | 801 | 690 |
|---|
| Reinsurance Assets | 0.63 | 0.66 |
|---|
| Current Tax Assets | 75.4 | 118 |
|---|
| Insurance Receivables | 11.5 | 4.5 |
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| Other Assets | 2.6 | 2.4 |
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| Other Financial Assets | 452 | 163 |
|---|
| Cash and Cash Equivalent | 204 | 102 |
|---|
| Total Liabilities | 8,180 | 6,721 |
|---|
| Provisions | 46.0 | 11.6 |
|---|
| Gross Insurance Contract Liabilities | 7,708 | 6,375 |
|---|
| Deferred Tax Liabilities | 13.5 | 15.6 |
|---|
| Insurance Payables | 33.5 | 30.0 |
|---|
| Current Tax Liabilities | 0.00 | 0.00 |
|---|
| Other Liabilities | 280 | 186 |
|---|
| Other Financial Liabilities | 99.8 | 104 |
|---|
| Total Equity | 1,011 | 1,040 |
|---|
| Share Capital | 914 | 914 |
|---|
| Share Premium | 0.00 | 0.00 |
|---|
| Catastrophe Reserves | 44.0 | 41.1 |
|---|
| Retained Earnings | 75.5 | 93.3 |
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| Other Equity | -23.2 | -9.0 |
|---|
HLI Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 |
|---|
| Opening Cash & Cash Equivalents | 102 | 160 |
|---|
| Net Cash Flow from Operating Activities | 601 | 691 |
|---|
| Gross Premium Received | 1,780 | 1,661 |
|---|
| Commission / Reinsurance Commission Received | 3.9 | 0.00 |
|---|
| Claim Recovery Received from Reinsurers | 15.8 | 17.4 |
|---|
| Other Direct Income Received | 8.8 | 8.2 |
|---|
| Gross Benefits and Claims Paid | -740 | -613 |
|---|
| Reinsurance Premium Paid | -41.2 | -22.9 |
|---|
| Commission Paid | -146 | -135 |
|---|
| Service Fees Paid | -21.8 | -12.8 |
|---|
| Employee Benefits Expenses Paid | -92.0 | -79.5 |
|---|
| Other Expenses Paid | -73.2 | -60.7 |
|---|
| Income Tax Paid | -8.6 | -0.00 |
|---|
| Net Cash Flow from Investing Activities | -420 | -763 |
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| Acquisitions of Intangible Assets | -0.11 | -0.37 |
|---|
| Acquisitions of Property and Equipment | -5.4 | -1.9 |
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| Purchase of Equity Instruments | -984 | -525 |
|---|
| Proceeds from Sale of Equity Instruments | 469 | 127 |
|---|
| Purchase of Mutual Funds | -55.8 | -24.0 |
|---|
| Proceeds from Sale of Mutual Funds | 0.41 | 1.2 |
|---|
| Purchase of Debentures | -75.1 | -85.1 |
|---|
| Proceeds from Sale of Debentures | 0.00 | 17.0 |
|---|
| Investments in Deposits | -1,975 | -1,522 |
|---|
| Maturity of Deposits | 1,724 | 726 |
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| Interest Income Received | 656 | 614 |
|---|
| Dividend Received | 5.0 | 3.7 |
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| Loans Against Insurance Policies | -107 | -102 |
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| Net Cash Flow from Financing Activities | -79.3 | 13.9 |
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| Interest Paid | -0.17 | -0.07 |
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| Proceeds from Borrowings | 0.00 | 0.00 |
|---|
| Repayment of Borrowings | 0.00 | 0.00 |
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| Proceeds from Issue of Share Capital | 0.00 | 20.0 |
|---|
| Dividend Paid | -73.1 | 0.00 |
|---|
| Net Change in Cash | 102 | -58.2 |
|---|
| Closing Cash & Cash Equivalents | 204 | 102 |
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HLI 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 |
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| Net Earned Premiums | 539 | 453 | 408 | 433 | 508 | 412 | 389 | 417 |
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| Gross Earned Premiums | 542 | 464 | 419 | 444 | 517 | 423 | 399 | 428 |
|---|
| Premiums Ceded | -3.4 | -11.6 | -10.5 | -11.1 | -8.8 | -10.6 | -9.8 | -10.9 |
|---|
| Other Income | 152 | 152 | 146 | 170 | 186 | 214 | 177 | 238 |
|---|
| Commission Income | 0.00 | Not reported | Not reported | Not reported | Not reported | Not reported | 3.9 | Not reported |
|---|
| Other Direct Income | 4.8 | 3.8 | 3.0 | 2.3 | 2.8 | 2.3 | 1.8 | 2.0 |
|---|
| Interest Income on Loan to Policyholders | 19.6 | 19.7 | 17.9 | 18.7 | 20.3 | 23.0 | 23.2 | 21.4 |
|---|
| Income from Investments and Loans | 126 | 116 | 124 | 135 | 139 | 139 | 141 | 149 |
|---|
| Net Gain/(Loss) on Fair Value Changes | 0.46 | 0.46 | 0.82 | 0.57 | 0.27 | -0.34 | -0.11 | -0.41 |
|---|
| Net Realised Gains/(Losses) | 0.60 | 11.5 | 0.19 | 13.2 | 20.2 | 49.2 | 5.7 | 66.4 |
|---|
| Other Income | 0.59 | 0.21 | 0.31 | 0.62 | 3.0 | 0.98 | 1.0 | 0.02 |
|---|
| Total Income | 691 | 604 | 554 | 603 | 694 | 626 | 566 | 655 |
|---|
| Net Benefits and Claims Paid | -563 | -503 | -453 | -507 | -557 | -508 | -475 | -515 |
|---|
| Gross Benefits and Claims Paid | -234 | -194 | -188 | -177 | -258 | -171 | -151 | -154 |
|---|
| Claims Ceded | 3.2 | 3.2 | 5.5 | 2.4 | 3.4 | 3.9 | 4.2 | 2.4 |
|---|
| Gross Change in Contract Liabilities | -332 | -313 | -271 | -333 | -302 | -341 | -328 | -363 |
|---|
| Change in Contract Liabilities Ceded to Reinsurers | 0.20 | -0.12 | 0.11 | -0.09 | 0.05 | 0.00 | -0.07 | 0.00 |
|---|
| Other Expenses | -115 | -75.2 | -74.5 | -76.7 | -112 | -73.7 | -70.4 | -73.6 |
|---|
| Commission Expenses | -48.1 | -35.5 | -33.5 | -35.2 | -47.6 | -32.8 | -31.6 | -34.3 |
|---|
| Service Fees | -4.0 | -3.4 | -3.1 | -3.2 | -3.8 | -3.1 | -2.9 | -3.1 |
|---|
| Other Direct Expenses | 0.00 | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported |
|---|
| Employee Benefits Expenses | -20.3 | -16.8 | -24.6 | -28.5 | -17.7 | -21.0 | -21.3 | -26.0 |
|---|
| Depreciation and Amortization Expenses | -4.7 | -0.95 | -0.94 | -0.93 | -4.6 | -0.96 | -1.0 | -1.0 |
|---|
| Impairment Losses | 0.00 | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported |
|---|
| Other Operating Expenses | -35.2 | -18.5 | -12.3 | -8.8 | -36.2 | -15.9 | -13.6 | -9.2 |
|---|
| Finance Cost | -2.1 | Not reported | Not reported | Not reported | -2.4 | Not reported | Not reported | Not reported |
|---|
| Total Expenses | -677 | -578 | -528 | -584 | -669 | -581 | -545 | -588 |
|---|
| Profit Before Tax | 14.0 | 25.9 | 26.1 | 19.1 | 24.3 | 45.0 | 20.8 | 66.8 |
|---|
| Share of Net Profit of Associates (Equity Method) | -0.03 | 0.08 | -0.06 | 0.00 | -0.06 | 0.00 | 0.00 | 0.00 |
|---|
| Net Profit for the Year | 5.2 | 6.5 | 8.4 | 12.6 | 7.6 | 9.1 | 12.2 | 25.0 |
|---|
| Income Tax Expenses | -8.7 | -19.5 | -17.7 | -6.5 | -16.7 | -35.9 | -8.6 | -41.9 |
|---|
Himalayan Life Insurance share price history
Over the last 15 trading sessions HLI closed between Rs. 287.00 and Rs. 317.00, finishing at Rs. 314.50 on 2026-09-22 against Rs. 305.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 314.00 | 318.00 | 308.80 | 314.50 | 60,624 |
|---|
| 2026-09-18 | 315.50 | 318.00 | 309.00 | 317.00 | 30,564 |
|---|
| 2026-09-17 | 313.00 | 314.00 | 309.00 | 311.90 | 33,092 |
|---|
| 2026-09-16 | 315.00 | 318.00 | 300.00 | 309.50 | 32,390 |
|---|
| 2026-09-15 | 319.00 | 323.00 | 307.00 | 315.10 | 53,593 |
|---|
| 2026-09-14 | 295.00 | 306.00 | 294.00 | 304.00 | 31,870 |
|---|
| 2026-09-11 | 292.00 | 295.70 | 290.00 | 294.00 | 23,094 |
|---|
| 2026-09-10 | 296.00 | 296.00 | 288.70 | 290.30 | 17,464 |
|---|
| 2026-09-09 | 296.60 | 297.10 | 295.90 | 296.00 | 8,925 |
|---|
| 2026-09-07 | 295.00 | 300.00 | 295.00 | 296.60 | 18,552 |
|---|
| 2026-09-03 | 296.00 | 297.80 | 293.20 | 295.00 | 20,749 |
|---|
| 2026-09-02 | 295.00 | 296.00 | 290.30 | 293.00 | 17,370 |
|---|
| 2026-09-01 | 290.10 | 297.00 | 286.20 | 294.00 | 28,792 |
|---|
| 2026-08-31 | 301.00 | 301.00 | 284.30 | 287.00 | 48,460 |
|---|
| 2026-08-26 | 307.00 | 310.00 | 304.00 | 305.00 | 25,215 |
|---|
HLI share price by year
2026, between Rs. 284.30 and Rs. 412.90, 2025, between Rs. 354.80 and Rs. 477.00, 2024, between Rs. 319.39 and Rs. 532.46 and 2023, between Rs. 307.02 and Rs. 503.51.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 284.30 | 412.90 | 168 |
|---|
| 2025 | 354.80 | 477.00 | 225 |
|---|
| 2024 | 319.39 | 532.46 | 232 |
|---|
| 2023 | 307.02 | 503.51 | 116 |
|---|
Himalayan Life Insurance share price returns
At Rs. 314.50 on 2026-09-22, HLI is down 0.19% over 1 week, up 0.16% over 1 month, down 4.55% over 3 months, down 20.08% over 6 months and down 17.85% 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 | -0.19% | 315.10 | 2026-09-15 |
|---|
| 1 month | +0.16% | 314.00 | 2026-08-21 |
|---|
| 3 months | -4.55% | 329.50 | 2026-06-24 |
|---|
| 6 months | -20.08% | 393.50 | 2026-03-26 |
|---|
| 1 year | -17.85% | 382.84 | 2025-09-21 |
|---|
HLI floorsheet for 2026-09-22
HLI traded 259 times on 2026-09-22, moving 56,595 shares for Rs. 1.77 crore of turnover. Trades went through between Rs. 300.70 and Rs. 318.00.
Largest buyers by volume: broker 34, Vision Securities Pvt.Limited on 6,240 shares across 15 trades, broker 49, Online Securities Limited on 5,745 shares across 18 trades, broker 43, South Asian Bulls Pvt.Limited on 5,600 shares across 10 trades, broker 25, Sweta Securities Pvt. Limited on 4,655 shares across 18 trades, broker 58, Naasa Securities Co. Ltd. on 4,370 shares across 19 trades, broker 45, Imperial Securities Co. Limited on 3,252 shares across 11 trades, broker 92, Roadshow Securities Limited on 3,000 shares across 1 trades, broker 42, Sani Securities Company Limited on 2,446 shares across 25 trades, broker 16, Primo Securities Pvt. Limited on 2,315 shares across 3 trades and broker 96, Himalayan Securities Limited on 2,313 shares across 2 trades.
Largest sellers by volume: broker 16, Primo Securities Pvt. Limited on 31,886 shares across 82 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 7,012 shares across 15 trades, broker 58, Naasa Securities Co. Ltd. on 4,660 shares across 23 trades, broker 6, Agrawal Securities Pvt. Limited on 4,343 shares across 19 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 3,000 shares across 3 trades, broker 42, Sani Securities Company Limited on 810 shares across 7 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 562 shares across 7 trades, broker 34, Vision Securities Pvt.Limited on 540 shares across 8 trades, broker 59, Deevyaa Securities & Stock House Pvt. Ltd on 537 shares across 3 trades and broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 428 shares across 7 trades.
HLI dividend history: bonus shares and cash dividend
Himalayan Life Insurance Limited most recently declared an 8% cash dividend for 2080/2081, announced on 2025-06-02. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.
| Financial year | Bonus share | Cash dividend | Announced |
|---|
| 2080/2081 | | 8% | 2025-06-02 |
| 2079/2080 | 14% | | 2025-01-28 |
| 2077/2078 | 13% | | 2022-12-14 |
For 2080/2081 Himalayan Life Insurance Limited declared an 8% cash dividend, announced on 2025-06-02.
For 2079/2080 Himalayan Life Insurance Limited declared a 14% bonus share issue, announced on 2025-01-28.
For 2077/2078 Himalayan Life Insurance Limited declared a 13% bonus share issue, announced on 2022-12-14.
HLI general meetings
Annual and special general meetings Himalayan Life Insurance Limited has called. A dividend is declared by the board and approved at the AGM.
- 19th AGM for 2081/2082: on 2026-02-11, at Amrapali Banquet, Thirbam Sadak, Bhatbhateni, Naxal, Kathmandu (10:00 AM)
- 19th AGM for 2081/2082
- 18th AGM for 2080/2081: on 2025-06-24, at Amrapali Banquet, Thirbam Sadak, Bhatbhateni, Naxal, Kathmandu (10:30 AM)
3 years of annual statements and 8 quarters of results for HLI, with charts and peer comparison, are free on NepView.
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