IME Life Insurance (ILI) share price is Rs. 435.00, up 2.26% on 2026-10-13. Open Rs. 424.10. High Rs. 436.00. Low Rs. 424.10. Volume 13,904.
IME Life Insurance Company Limited is a NEPSE-listed company (ILI), Life Insurance sector. Premium: Rs. 746.3 Crore. Net profit: Rs. 58.42 Crore. Net worth: Rs. 673.9 Crore.
I.M.E Life Insurance Company Limited is a NEPSE-listed life insurer based at Lainchaur, Kathmandu. It offers life insurance products across Nepal under the IME Life brand ("Ensuring Future").
IME Life Insurance Company Limited (ILI) has 5,00,00,000 shares outstanding. It listed on NEPSE in 2079. Its most recent declared dividend was 10.53% on face value.
| Market Cap | Rs. 2,175.00 Crore |
|---|---|
| P/E Ratio | 55.31 |
| P/E Ratio (TTM) | 37.23 |
| EPS | Rs. 7.86 |
| EPS (TTM) | Rs. 11.68 |
| Book Value | Rs. 134.78 |
| Dividend Yield | 2.42% |
| Face Value | Rs. 100.00 |
| 52 Week High | Rs. 489.60 |
| 52 Week Low | Rs. 396.30 |
| Listed Since | 2079 |
What IME Life Insurance Company 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 IME Life Insurance Company Limited reported profit of Rs. 21.63 crore and net earned premiums of Rs. 244.79 crore. Profit in Q3 2082/83 was Rs. 9.73 crore. Profit grew 122.43% on the previous quarter. Net earned premiums grew 34.27% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 21.7 crore. Profit fell 0.30% on the same quarter last year. Net earned premiums grew 29.41% on the same quarter last year.
For the financial year 2082/83 IME Life Insurance Company Limited reported net profit of Rs. 58.42 crore, net earned premiums of Rs. 746.3 crore and net worth of Rs. 673.9 crore. Net profit in 2081/82 was Rs. 39.32 crore. Net profit grew 48.57% on the year. Net earned premiums grew 36.34% on the year.
In the financial year 2082/83, IME Life Insurance Company Limited reported net earned premiums of Rs. 746.3 crore, other income of Rs. 158.43 crore, total income of Rs. 904.73 crore, net benefits and claims paid of Rs. 660.85 crore, other expenses of Rs. 185.46 crore, total expenses of Rs. 846.31 crore, profit before tax of Rs. 58.42 crore and net profit for the year of Rs. 58.42 crore.
Reported under net earned premiums: gross earned premiums of Rs. 773.69 crore and premiums ceded of Rs. 27.39 crore. Reported under other income: other direct income of Rs. 3.54 crore, interest income on loan to policyholders of Rs. 11.02 crore, income from investments and loans of Rs. 138.22 crore, net realised gains/(losses) of Rs. 5.25 crore and other income of Rs. 0.4 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 146.6 crore, claims ceded of Rs. 12.8 crore, gross change in contract liabilities of Rs. 528.8 crore and change in contract liabilities ceded to reinsurers of Rs. 1.75 crore. Reported under other expenses: commission expenses of Rs. 67.04 crore, service fees of Rs. 5.6 crore, other direct expenses of Rs. 0.05 crore, employee benefits expenses of Rs. 45.65 crore, depreciation and amortization expenses of Rs. 7.67 crore, other operating expenses of Rs. 57.43 crore and finance cost of Rs. 2.02 crore.
In the financial year 2081/82, IME Life Insurance Company Limited reported net earned premiums of Rs. 547.4 crore, other income of Rs. 172.57 crore, total income of Rs. 719.97 crore, net benefits and claims paid of Rs. 499.68 crore, other expenses of Rs. 150.73 crore, total expenses of Rs. 650.41 crore, profit before tax of Rs. 69.55 crore and net profit for the year of Rs. 39.32 crore.
Reported under net earned premiums: gross earned premiums of Rs. 572.24 crore and premiums ceded of Rs. 24.84 crore. Reported under other income: commission income of Rs. 5.9 crore, other direct income of Rs. 2.16 crore, interest income on loan to policyholders of Rs. 8.69 crore, income from investments and loans of Rs. 133.36 crore, net realised gains/(losses) of Rs. 20.34 crore and other income of Rs. 2.12 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 128.67 crore, claims ceded of Rs. 13.75 crore and gross change in contract liabilities of Rs. 384.77 crore. Reported under other expenses: commission expenses of Rs. 52.74 crore, service fees of Rs. 4.11 crore, other direct expenses of Rs. 0.05 crore, employee benefits expenses of Rs. 41.81 crore, depreciation and amortization expenses of Rs. 5.95 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 44.95 crore and finance cost of Rs. 1.12 crore. Reported under net profit for the year: income tax expenses of Rs. 30.23 crore.
In the financial year 2080/81, IME Life Insurance Company Limited reported net earned premiums of Rs. 453.33 crore, other income of Rs. 145.22 crore, total income of Rs. 598.55 crore, net benefits and claims paid of Rs. 401.39 crore, other expenses of Rs. 132.99 crore, total expenses of Rs. 534.38 crore, profit before tax of Rs. 64.17 crore and net profit for the year of Rs. 61.75 crore.
Reported under net earned premiums: gross earned premiums of Rs. 474.11 crore and premiums ceded of Rs. 20.79 crore. Reported under other income: commission income of Rs. 3.9 crore, other direct income of Rs. 1.09 crore, interest income on loan to policyholders of Rs. 6.25 crore, income from investments and loans of Rs. 132.1 crore, net realised gains/(losses) of Rs. 0.11 crore and other income of Rs. 1.99 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 124.76 crore, claims ceded of Rs. 8.52 crore and gross change in contract liabilities of Rs. 285.15 crore. Reported under other expenses: commission expenses of Rs. 46 crore, service fees of Rs. 3.4 crore, other direct expenses of Rs. 0.22 crore, employee benefits expenses of Rs. 34.74 crore, depreciation and amortization expenses of Rs. 5.64 crore, impairment losses of Rs. 0.33 crore, other operating expenses of Rs. 41.34 crore and finance cost of Rs. 1.31 crore. Reported under net profit for the year: income tax expenses of Rs. 2.42 crore.
In the financial year 2081/82, IME Life Insurance Company Limited reported total assets of Rs. 2,123.4 crore, total liabilities of Rs. 1,449.5 crore and total equity of Rs. 673.9 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.73 crore, property and equipment of Rs. 20.39 crore, deferred tax assets of Rs. 21.22 crore, investments of Rs. 1,766.65 crore, loans of Rs. 100.85 crore, current tax assets of Rs. 47.84 crore, insurance receivables of Rs. 0.43 crore, other assets of Rs. 2.13 crore, other financial assets of Rs. 100.66 crore and cash and cash equivalent of Rs. 62.5 crore. Reported under total liabilities: provisions of Rs. 4.32 crore, gross insurance contract liabilities of Rs. 1,376.84 crore, insurance payables of Rs. 0 crore, other liabilities of Rs. 21.2 crore and other financial liabilities of Rs. 47.13 crore. Reported under total equity: share capital of Rs. 500 crore, share premium of Rs. 52.38 crore, catastrophe reserves of Rs. 26.28 crore, retained earnings of Rs. 71.97 crore and other equity of Rs. 23.26 crore.
In the financial year 2080/81, IME Life Insurance Company Limited reported total assets of Rs. 1,800.45 crore, total liabilities of Rs. 1,060.69 crore and total equity of Rs. 739.76 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.83 crore, property and equipment of Rs. 19.13 crore, deferred tax assets of Rs. 51.7 crore, investments of Rs. 1,521.55 crore, loans of Rs. 69.89 crore, current tax assets of Rs. 34.82 crore, insurance receivables of Rs. 0 crore, other assets of Rs. 22.95 crore, other financial assets of Rs. 17.9 crore and cash and cash equivalent of Rs. 61.69 crore. Reported under total liabilities: provisions of Rs. 4.23 crore, gross insurance contract liabilities of Rs. 991.41 crore, insurance payables of Rs. 5.91 crore, other liabilities of Rs. 24.35 crore and other financial liabilities of Rs. 34.78 crore. Reported under total equity: share capital of Rs. 500 crore, share premium of Rs. 52.38 crore, catastrophe reserves of Rs. 19.33 crore, retained earnings of Rs. 115.22 crore and other equity of Rs. 52.84 crore.
In the financial year 2079/80, IME Life Insurance Company Limited reported total assets of Rs. 1,451.68 crore, total liabilities of Rs. 769.53 crore and total equity of Rs. 682.15 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.69 crore, property and equipment of Rs. 19.34 crore, deferred tax assets of Rs. 54.56 crore, investments of Rs. 1,003.99 crore, loans of Rs. 62.54 crore, current tax assets of Rs. 24.68 crore, insurance receivables of Rs. 0 crore, other assets of Rs. 1.62 crore, other financial assets of Rs. 246.59 crore and cash and cash equivalent of Rs. 37.67 crore. Reported under total liabilities: provisions of Rs. 2.76 crore, gross insurance contract liabilities of Rs. 705.74 crore, insurance payables of Rs. 10.33 crore, other liabilities of Rs. 21.86 crore and other financial liabilities of Rs. 28.84 crore. Reported under total equity: share capital of Rs. 400 crore, share premium of Rs. 153.58 crore, catastrophe reserves of Rs. 12.6 crore, retained earnings of Rs. 61.71 crore and other equity of Rs. 54.27 crore.
In the financial year 2081/82, IME Life Insurance Company Limited reported opening cash & cash equivalents of Rs. 61.69 crore, net cash flow from operating activities of Rs. 214.62 crore, net cash flow from investing activities of Rs. 108.54 crore, net cash flow from financing activities of Rs. 105.26 crore, net change in cash of Rs. 0.81 crore and closing cash & cash equivalents of Rs. 62.5 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 572.24 crore, commission / reinsurance commission received of Rs. 5.9 crore, claim recovery received from reinsurers of Rs. 13.75 crore, other direct income received of Rs. 2.16 crore, other income received of Rs. 1.63 crore, gross benefits and claims paid of Rs. 128.67 crore, reinsurance premium paid of Rs. 31.18 crore, commission paid of Rs. 47.6 crore, service fees paid of Rs. 7.66 crore, employee benefits expenses paid of Rs. 40.07 crore, other expenses paid of Rs. 40.16 crore and income tax paid of Rs. 13.02 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.12 crore, acquisitions of property and equipment of Rs. 7.43 crore, purchase of equity instruments of Rs. 77.59 crore, proceeds from sale of equity instruments of Rs. 0 crore, purchase of mutual funds of Rs. 27.17 crore, proceeds from sale of mutual funds of Rs. 0 crore, purchase of debentures of Rs. 48.54 crore, proceeds from sale of debentures of Rs. 0 crore, investments in deposits of Rs. 499 crore, maturity of deposits of Rs. 441.1 crore, interest income received of Rs. 138.98 crore, dividend received of Rs. 1.29 crore and loans against insurance policies of Rs. 30.67 crore. Reported under net cash flow from financing activities: interest paid of Rs. 0 crore, proceeds from borrowings of Rs. 0 crore, proceeds from issue of share capital of Rs. 0 crore and dividend paid of Rs. 105.26 crore.
In the financial year 2080/81, IME Life Insurance Company Limited reported opening cash & cash equivalents of Rs. 37.67 crore, net cash flow from operating activities of Rs. 423.35 crore, net cash flow from investing activities of Rs. 392.87 crore, net cash flow from financing activities of Rs. 6.46 crore, net change in cash of Rs. 24.02 crore and closing cash & cash equivalents of Rs. 61.69 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 474.11 crore, commission / reinsurance commission received of Rs. 3.9 crore, claim recovery received from reinsurers of Rs. 8.52 crore, other direct income received of Rs. 1.09 crore, other income received of Rs. 2.47 crore, gross benefits and claims paid of Rs. 124.76 crore, reinsurance premium paid of Rs. 25.2 crore, commission paid of Rs. 44.86 crore, service fees paid of Rs. 3.24 crore, employee benefits expenses paid of Rs. 26.21 crore, other expenses paid of Rs. 45.16 crore and income tax paid of Rs. 10.14 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.57 crore, acquisitions of property and equipment of Rs. 1.6 crore, purchase of equity instruments of Rs. 60.58 crore, proceeds from sale of equity instruments of Rs. 0 crore, purchase of mutual funds of Rs. 8.23 crore, proceeds from sale of mutual funds of Rs. 3.49 crore, purchase of debentures of Rs. 163.05 crore, proceeds from sale of debentures of Rs. 25.47 crore, investments in deposits of Rs. 542.85 crore, maturity of deposits of Rs. 229.8 crore, interest income received of Rs. 132.2 crore, dividend received of Rs. 0 crore and loans against insurance policies of Rs. 7.46 crore. Reported under net cash flow from financing activities: interest paid of Rs. 0 crore, proceeds from borrowings of Rs. 0 crore, proceeds from issue of share capital of Rs. 98.8 crore and dividend paid of Rs. 105.26 crore.
In the financial year 2079/80, IME Life Insurance Company Limited reported opening cash & cash equivalents of Rs. 37.7 crore, net cash flow from operating activities of Rs. 49.07 crore, net cash flow from investing activities of Rs. 364.55 crore, net cash flow from financing activities of Rs. 413.58 crore, net change in cash of Rs. 0.04 crore and closing cash & cash equivalents of Rs. 37.67 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 418.7 crore, commission / reinsurance commission received of Rs. 0 crore, claim recovery received from reinsurers of Rs. 5.18 crore, other direct income received of Rs. 0.99 crore, other income received of Rs. 2.7 crore, gross benefits and claims paid of Rs. 115.4 crore, reinsurance premium paid of Rs. 18.58 crore, commission paid of Rs. 47.08 crore, service fees paid of Rs. 3.42 crore, employee benefits expenses paid of Rs. 21.81 crore, other expenses paid of Rs. 30.27 crore and income tax paid of Rs. 5.88 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.43 crore, acquisitions of property and equipment of Rs. 2.09 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. 2.5 crore, proceeds from sale of mutual funds of Rs. 0.48 crore, purchase of debentures of Rs. 69.75 crore, proceeds from sale of debentures of Rs. 0 crore, investments in deposits of Rs. 446.3 crore, maturity of deposits of Rs. 94.2 crore, interest income received of Rs. 82.11 crore, dividend received of Rs. 0.53 crore and loans against insurance policies of Rs. 20.85 crore. Reported under net cash flow from financing activities: interest paid of Rs. 0 crore, proceeds from borrowings of Rs. 0 crore, proceeds from issue of share capital of Rs. 413.58 crore and dividend paid of Rs. 0 crore.
In the quarter Q4 2082/83, IME Life Insurance Company Limited reported net earned premiums of Rs. 244.79 crore, other income of Rs. 42.08 crore, total income of Rs. 286.87 crore, net benefits and claims paid of Rs. 201.95 crore, other expenses of Rs. 63.29 crore, total expenses of Rs. 265.24 crore, profit before tax of Rs. 21.63 crore and net profit for the year of Rs. 21.63 crore.
Reported under net earned premiums: gross earned premiums of Rs. 257.52 crore and premiums ceded of Rs. 12.73 crore. Reported under other income: other direct income of Rs. 1.15 crore, interest income on loan to policyholders of Rs. 3.6 crore, income from investments and loans of Rs. 37.15 crore, net realised gains/(losses) of Rs. 0.04 crore and other income of Rs. 0.21 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 51.13 crore, claims ceded of Rs. 4.1 crore, gross change in contract liabilities of Rs. 153.42 crore and change in contract liabilities ceded to reinsurers of Rs. 1.49 crore. Reported under other expenses: commission expenses of Rs. 23.39 crore, service fees of Rs. 1.84 crore, other direct expenses of Rs. 0.02 crore, employee benefits expenses of Rs. 12.57 crore, depreciation and amortization expenses of Rs. 3.3 crore, other operating expenses of Rs. 21.01 crore and finance cost of Rs. 1.17 crore.
In the quarter Q3 2082/83, IME Life Insurance Company Limited reported net earned premiums of Rs. 182.3 crore, other income of Rs. 34.1 crore, total income of Rs. 216.4 crore, net benefits and claims paid of Rs. 164.76 crore, other expenses of Rs. 41.91 crore, total expenses of Rs. 206.68 crore, profit before tax of Rs. 9.73 crore and net profit for the year of Rs. 9.73 crore.
Reported under net earned premiums: gross earned premiums of Rs. 182.76 crore and premiums ceded of Rs. 0.45 crore. Reported under other income: other direct income of Rs. 0.84 crore, interest income on loan to policyholders of Rs. 2.71 crore, income from investments and loans of Rs. 29.51 crore, net realised gains/(losses) of Rs. 1.03 crore and other income of Rs. 0.01 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 31.05 crore, claims ceded of Rs. 2.39 crore, gross change in contract liabilities of Rs. 137.55 crore and change in contract liabilities ceded to reinsurers of Rs. 1.44 crore. Reported under other expenses: commission expenses of Rs. 15.22 crore, service fees of Rs. 1.37 crore, other direct expenses of Rs. 0.01 crore, employee benefits expenses of Rs. 10.38 crore, depreciation and amortization expenses of Rs. 1.5 crore, other operating expenses of Rs. 13.15 crore and finance cost of Rs. 0.29 crore.
In the quarter Q2 2082/83, IME Life Insurance Company Limited reported net earned premiums of Rs. 165.58 crore, other income of Rs. 37.85 crore, total income of Rs. 203.42 crore, net benefits and claims paid of Rs. 148.73 crore, other expenses of Rs. 43.46 crore, total expenses of Rs. 192.19 crore, profit before tax of Rs. 11.23 crore and net profit for the year of Rs. 11.23 crore.
Reported under net earned premiums: gross earned premiums of Rs. 174.36 crore and premiums ceded of Rs. 8.79 crore. Reported under other income: other direct income of Rs. 0.77 crore, interest income on loan to policyholders of Rs. 2.38 crore, income from investments and loans of Rs. 33.46 crore, net realised gains/(losses) of Rs. 1.07 crore and other income of Rs. 0.16 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 38.06 crore, claims ceded of Rs. 3.57 crore, gross change in contract liabilities of Rs. 116.03 crore and change in contract liabilities ceded to reinsurers of Rs. 1.8 crore. Reported under other expenses: commission expenses of Rs. 15.28 crore, service fees of Rs. 1.24 crore, other direct expenses of Rs. 0.01 crore, employee benefits expenses of Rs. 11.3 crore, depreciation and amortization expenses of Rs. 2.01 crore, other operating expenses of Rs. 13.05 crore and finance cost of Rs. 0.56 crore.
In the quarter Q1 2082/83, IME Life Insurance Company Limited reported net earned premiums of Rs. 153.63 crore, other income of Rs. 44.4 crore, total income of Rs. 198.04 crore, net benefits and claims paid of Rs. 145.41 crore, other expenses of Rs. 36.79 crore, total expenses of Rs. 182.21 crore, profit before tax of Rs. 15.83 crore and net profit for the year of Rs. 15.83 crore.
Reported under net earned premiums: gross earned premiums of Rs. 159.06 crore and premiums ceded of Rs. 5.42 crore. Reported under other income: other direct income of Rs. 0.78 crore, interest income on loan to policyholders of Rs. 2.32 crore, income from investments and loans of Rs. 38.1 crore, net realised gains/(losses) of Rs. 3.19 crore and other income of Rs. 0.01 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 26.36 crore, claims ceded of Rs. 2.74 crore, gross change in contract liabilities of Rs. 121.8 crore and change in contract liabilities ceded to reinsurers of Rs. 0 crore. Reported under other expenses: commission expenses of Rs. 13.14 crore, service fees of Rs. 1.15 crore, other direct expenses of Rs. 0.01 crore, employee benefits expenses of Rs. 11.41 crore, depreciation and amortization expenses of Rs. 0.86 crore, other operating expenses of Rs. 10.22 crore and finance cost of Rs. 0 crore.
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|---|---|---|---|---|---|
| Net Earned Premiums | 746 | 547 | 453 | 395 | 339 | 281 |
| Gross Earned Premiums | 774 | 572 | 474 | 419 | 355 | 290 |
| Premiums Ceded | -27.4 | -24.8 | -20.8 | -23.5 | -15.7 | -8.7 |
| Other Income | 158 | 173 | 145 | 90.6 | 53.3 | 39.7 |
| Commission Income | Not reported | 5.9 | 3.9 | 0.00 | 0.00 | 0.00 |
| Other Direct Income | 3.5 | 2.2 | 1.1 | 0.99 | 0.92 | 0.00 |
| Interest Income on Loan to Policyholders | 11.0 | 8.7 | 6.2 | 5.4 | 2.8 | 0.00 |
| Income from Investments and Loans | 138 | 133 | 132 | 82.0 | 49.5 | 37.6 |
| Net Realised Gains/(Losses) | 5.2 | 20.3 | -0.11 | -0.45 | 0.00 | 0.46 |
| Other Income | 0.40 | 2.1 | 2.0 | 2.7 | 0.08 | 1.7 |
| Total Income | 905 | 720 | 599 | 486 | 392 | 321 |
| Net Benefits and Claims Paid | -661 | -500 | -401 | -354 | -258 | -194 |
| Gross Benefits and Claims Paid | -147 | -129 | -125 | -115 | -109 | -52.1 |
| Claims Ceded | 12.8 | 13.7 | 8.5 | 5.2 | 6.4 | 5.1 |
| Gross Change in Contract Liabilities | -529 | -385 | -285 | -243 | -155 | -147 |
| Change in Contract Liabilities Ceded to Reinsurers | 1.7 | Not reported | Not reported | Not reported | Not reported | Not reported |
| Other Expenses | -185 | -151 | -133 | -110 | -121 | -116 |
| Commission Expenses | -67.0 | -52.7 | -46.0 | -46.4 | -55.1 | -51.9 |
| Service Fees | -5.6 | -4.1 | -3.4 | -3.2 | -3.4 | -2.7 |
| Other Direct Expenses | -0.05 | -0.05 | -0.22 | -0.25 | -0.05 | 0.00 |
| Employee Benefits Expenses | -45.7 | -41.8 | -34.7 | -23.0 | -20.0 | -16.1 |
| Depreciation and Amortization Expenses | -7.7 | -6.0 | -5.6 | -4.7 | -4.2 | -1.7 |
| Impairment Losses | Not reported | 0.00 | -0.33 | 0.00 | -0.44 | 0.29 |
| Other Operating Expenses | -57.4 | -45.0 | -41.3 | -31.4 | -36.8 | -43.5 |
| Finance Cost | -2.0 | -1.1 | -1.3 | -1.3 | -1.3 | -0.08 |
| Total Expenses | -846 | -650 | -534 | -464 | -379 | -310 |
| Profit Before Tax | 58.4 | 69.6 | 64.2 | 21.9 | 13.5 | 11.0 |
| Net Profit for the Year | 58.4 | 39.3 | 61.7 | 21.0 | 32.5 | 29.6 |
| Income Tax Expenses | Not reported | -30.2 | -2.4 | -0.91 | 19.0 | 18.7 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|---|---|---|---|---|
| Total Assets | 2,123 | 1,800 | 1,452 | 763 | 559 |
| Goodwill & Intangible Assets | 0.73 | 0.83 | 0.69 | 0.38 | 0.40 |
| Property and Equipment | 20.4 | 19.1 | 19.3 | 20.0 | 8.2 |
| Deferred Tax Assets | 21.2 | 51.7 | 54.6 | 55.5 | 36.1 |
| Investments | 1,767 | 1,522 | 1,004 | 580 | 422 |
| Loans | 101 | 69.9 | 62.5 | 41.7 | 28.8 |
| Current Tax Assets | 47.8 | 34.8 | 24.7 | 18.8 | 15.0 |
| Insurance Receivables | 0.43 | 0.00 | 0.00 | 0.00 | 1.3 |
| Other Assets | 2.1 | 23.0 | 1.6 | 1.3 | 0.68 |
| Other Financial Assets | 101 | 17.9 | 247 | 7.9 | 12.4 |
| Cash and Cash Equivalent | 62.5 | 61.7 | 37.7 | 37.7 | 34.9 |
| Total Liabilities | 1,449 | 1,061 | 770 | 516 | 346 |
| Provisions | 4.3 | 4.2 | 2.8 | 2.4 | 1.7 |
| Gross Insurance Contract Liabilities | 1,377 | 991 | 706 | 463 | 306 |
| Insurance Payables | 0.00 | 5.9 | 10.3 | 5.4 | 2.4 |
| Other Liabilities | 21.2 | 24.4 | 21.9 | 19.1 | 7.6 |
| Other Financial Liabilities | 47.1 | 34.8 | 28.8 | 26.7 | 28.3 |
| Total Equity | 674 | 740 | 682 | 247 | 214 |
| Share Capital | 500 | 500 | 400 | 140 | 140 |
| Share Premium | 52.4 | 52.4 | 154 | 0.00 | 0.00 |
| Catastrophe Reserves | 26.3 | 19.3 | 12.6 | 10.4 | 7.3 |
| Retained Earnings | 72.0 | 115 | 61.7 | 40.7 | 29.5 |
| Other Equity | 23.3 | 52.8 | 54.3 | 56.0 | 36.6 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 61.7 | 37.7 | 37.7 | 34.9 | 31.8 |
| Net Cash Flow from Operating Activities | 215 | 423 | -49.1 | 150 | 114 |
| Gross Premium Received | 572 | 474 | 419 | 358 | 282 |
| Commission / Reinsurance Commission Received | 5.9 | 3.9 | 0.00 | 0.00 | Not reported |
| Claim Recovery Received from Reinsurers | 13.7 | 8.5 | 5.2 | 6.4 | 4.1 |
| Other Direct Income Received | 2.2 | 1.1 | 0.99 | 0.92 | Not reported |
| Other Income Received | 1.6 | 2.5 | 2.7 | 0.08 | 1.7 |
| Gross Benefits and Claims Paid | -129 | -125 | -115 | -107 | -51.8 |
| Reinsurance Premium Paid | -31.2 | -25.2 | -18.6 | -11.5 | -9.1 |
| Commission Paid | -47.6 | -44.9 | -47.1 | -56.3 | -47.0 |
| Service Fees Paid | -7.7 | -3.2 | -3.4 | -2.8 | -1.4 |
| Employee Benefits Expenses Paid | -40.1 | -26.2 | -21.8 | -18.9 | -15.4 |
| Other Expenses Paid | -40.2 | -45.2 | -30.3 | -18.3 | -48.9 |
| Income Tax Paid | -13.0 | -10.1 | -5.9 | 0.00 | Not reported |
| Net Cash Flow from Investing Activities | -109 | -393 | -365 | -148 | -129 |
| Acquisitions of Intangible Assets | -0.12 | -0.57 | -0.43 | -0.08 | -0.37 |
| Acquisitions of Property and Equipment | -7.4 | -1.6 | -2.1 | -2.8 | -2.9 |
| Purchase of Equity Instruments | -77.6 | -60.6 | 0.00 | -5.5 | -11.3 |
| Proceeds from Sale of Equity Instruments | 0.00 | 0.00 | 0.00 | 8.8 | 2.2 |
| Purchase of Mutual Funds | -27.2 | -8.2 | -2.5 | -0.40 | -3.9 |
| Proceeds from Sale of Mutual Funds | 0.00 | 3.5 | 0.48 | 0.00 | Not reported |
| Purchase of Debentures | -48.5 | -163 | -69.7 | -46.0 | -35.3 |
| Proceeds from Sale of Debentures | 0.00 | 25.5 | 0.00 | 0.00 | Not reported |
| Investments in Deposits | -499 | -543 | -446 | -139 | -85.4 |
| Maturity of Deposits | 441 | 230 | 94.2 | 0.00 | Not reported |
| Interest Income Received | 139 | 132 | 82.1 | 49.1 | 36.0 |
| Dividend Received | 1.3 | 0.00 | 0.53 | 1.2 | 0.08 |
| Loans Against Insurance Policies | -30.7 | -7.5 | -20.9 | -13.4 | -28.6 |
| Net Cash Flow from Financing Activities | -105 | -6.5 | 414 | 0.00 | 17.9 |
| Interest Paid | 0.00 | 0.00 | 0.00 | 0.00 | -0.08 |
| Proceeds from Borrowings | 0.00 | 0.00 | 0.00 | 0.00 | 18.0 |
| Proceeds from Issue of Share Capital | 0.00 | 98.8 | 414 | 0.00 | 0.00 |
| Dividend Paid | -105 | -105 | 0.00 | 0.00 | 0.00 |
| Net Change in Cash | 0.81 | 24.0 | -0.04 | 2.8 | 3.1 |
| Closing Cash & Cash Equivalents | 62.5 | 61.7 | 37.7 | 37.7 | 34.9 |
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 | 245 | 182 | 166 | 154 | 189 | 126 | 118 | 116 | 141 |
| Gross Earned Premiums | 258 | 183 | 174 | 159 | 192 | 129 | 123 | 121 | 145 |
| Premiums Ceded | -12.7 | -0.45 | -8.8 | -5.4 | -3.0 | -2.7 | -5.1 | -5.0 | -4.3 |
| Other Income | 42.1 | 34.1 | 37.8 | 44.4 | 46.7 | 41.9 | 39.1 | 41.6 | 39.6 |
| Commission Income | Not reported | Not reported | Not reported | Not reported | Not reported | 0.44 | 3.1 | Not reported | Not reported |
| Other Direct Income | 1.2 | 0.84 | 0.77 | 0.78 | 0.84 | 0.53 | 0.47 | 0.32 | 0.36 |
| Interest Income on Loan to Policyholders | 3.6 | 2.7 | 2.4 | 2.3 | 2.2 | 2.2 | 2.5 | 1.8 | 2.8 |
| Income from Investments and Loans | 37.1 | 29.5 | 33.5 | 38.1 | 33.3 | 31.9 | 32.6 | 34.3 | 35.3 |
| Net Realised Gains/(Losses) | -0.04 | 1.0 | 1.1 | 3.2 | 9.7 | 5.5 | 0.14 | 5.0 | -0.08 |
| Other Income | 0.21 | 0.01 | 0.16 | 0.01 | 0.64 | 1.4 | 0.34 | 0.16 | 1.1 |
| Total Income | 287 | 216 | 203 | 198 | 236 | 168 | 157 | 158 | 180 |
| Net Benefits and Claims Paid | -202 | -165 | -149 | -145 | -155 | -127 | -112 | -113 | -115 |
| Gross Benefits and Claims Paid | -51.1 | -31.0 | -38.1 | -26.4 | -31.2 | -36.1 | -29.0 | -32.0 | -9.4 |
| Claims Ceded | 4.1 | 2.4 | 3.6 | 2.7 | 3.3 | 3.8 | 3.7 | 2.7 | 2.8 |
| Gross Change in Contract Liabilities | -153 | -138 | -116 | -122 | -127 | -94.2 | -86.6 | -83.8 | -108 |
| Change in Contract Liabilities Ceded to Reinsurers | -1.5 | 1.4 | 1.8 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Expenses | -63.3 | -41.9 | -43.5 | -36.8 | -55.3 | -31.9 | -32.4 | -30.4 | -45.5 |
| Commission Expenses | -23.4 | -15.2 | -15.3 | -13.1 | -19.1 | -11.6 | -11.2 | -10.8 | -14.8 |
| Service Fees | -1.8 | -1.4 | -1.2 | -1.2 | -1.4 | -0.95 | -0.88 | -0.87 | -1.1 |
| Other Direct Expenses | -0.02 | -0.01 | -0.01 | -0.01 | -0.02 | -0.01 | -0.01 | -0.01 | -0.07 |
| Employee Benefits Expenses | -12.6 | -10.4 | -11.3 | -11.4 | -12.8 | -8.0 | -9.6 | -10.1 | -7.7 |
| Depreciation and Amortization Expenses | -3.3 | -1.5 | -2.0 | -0.86 | -2.3 | -1.9 | -1.9 | -0.71 | -4.1 |
| Other Operating Expenses | -21.0 | -13.2 | -13.1 | -10.2 | -19.3 | -9.2 | -8.2 | -7.9 | -15.9 |
| Finance Cost | -1.2 | -0.29 | -0.56 | 0.00 | -0.28 | -0.28 | -0.56 | 0.00 | -1.9 |
| Total Expenses | -265 | -207 | -192 | -182 | -210 | -158 | -144 | -144 | -160 |
| Profit Before Tax | 21.6 | 9.7 | 11.2 | 15.8 | 25.5 | 9.8 | 12.3 | 14.5 | 20.1 |
| Net Profit for the Year | 21.6 | 9.7 | 11.2 | 15.8 | 21.7 | 9.8 | 12.3 | 14.5 | 18.3 |
| Income Tax Expenses | Not reported | Not reported | Not reported | Not reported | -3.8 | Not reported | Not reported | Not reported | -1.8 |
Over the last 15 trading sessions ILI closed between Rs. 422.10 and Rs. 435.00, finishing at Rs. 435.00 on 2026-10-13 against Rs. 435.00 on 2026-09-22.
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| 2026-10-13 | 424.10 | 436.00 | 424.10 | 435.00 | 13,904 |
| 2026-10-12 | 424.10 | 429.00 | 424.10 | 425.40 | 8,971 |
| 2026-10-09 | 426.00 | 430.00 | 425.10 | 427.00 | 10,594 |
| 2026-10-08 | 422.10 | 428.00 | 422.10 | 427.50 | 10,485 |
| 2026-10-07 | 420.50 | 430.00 | 420.40 | 428.00 | 10,514 |
| 2026-10-06 | 423.00 | 428.00 | 420.00 | 426.50 | 9,359 |
| 2026-10-05 | 416.00 | 427.00 | 416.00 | 425.00 | 13,081 |
| 2026-10-02 | 422.00 | 423.90 | 420.10 | 423.60 | 9,118 |
| 2026-10-01 | 422.50 | 429.00 | 416.00 | 422.10 | 9,276 |
| 2026-09-30 | 420.00 | 424.00 | 420.00 | 422.50 | 4,432 |
| 2026-09-29 | 422.10 | 424.00 | 420.00 | 423.00 | 6,630 |
| 2026-09-28 | 428.00 | 430.00 | 422.00 | 422.10 | 12,187 |
| 2026-09-24 | 425.00 | 429.80 | 420.20 | 428.00 | 9,122 |
| 2026-09-23 | 435.00 | 435.00 | 424.00 | 427.00 | 13,889 |
| 2026-09-22 | 408.50 | 437.70 | 408.50 | 435.00 | 18,941 |
2026, between Rs. 396.30 and Rs. 483.00, 2025, between Rs. 405.00 and Rs. 530.00, 2024, between Rs. 404.00 and Rs. 606.00 and 2023, between Rs. 355.20 and Rs. 512.48.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|---|---|---|
| 2026 | 396.30 | 483.00 | 182 |
| 2025 | 405.00 | 530.00 | 225 |
| 2024 | 404.00 | 606.00 | 232 |
| 2023 | 355.20 | 512.48 | 86 |
At Rs. 435.00 on 2026-10-13, ILI is up 1.99% over 1 week, up 6.33% over 1 month, up 8.48% over 3 months, down 2.25% over 6 months and up 0.69% 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 | +1.99% | 426.50 | 2026-10-06 |
| 1 month | +6.33% | 409.10 | 2026-09-11 |
| 3 months | +8.48% | 401.00 | 2026-07-15 |
| 6 months | -2.25% | 445.00 | 2026-04-16 |
| 1 year | +0.69% | 432.00 | 2025-10-13 |
ILI traded 252 times on 2026-10-13, moving 13,904 shares for Rs. 0.6 crore of turnover. Trades went through between Rs. 414.20 and Rs. 436.00.
Largest buyers by volume: broker 45, Imperial Securities Co. Limited on 2,805 shares across 46 trades, broker 42, Sani Securities Company Limited on 1,536 shares across 3 trades, broker 17, ABC Securities Pvt. Limited on 1,000 shares across 10 trades, broker 49, Online Securities Limited on 999 shares across 31 trades, broker 10, Pragyan Securities Pvt. Limited on 840 shares across 18 trades, broker 37, Swarnalaxmi Securities Pvt.Limited on 696 shares across 16 trades, broker 58, Naasa Securities Co. Ltd. on 694 shares across 19 trades, broker 14, Nepal Stock House Pvt. Limited on 658 shares across 7 trades, broker 21, Midas Stock Broking Company Pvt. Limited on 563 shares across 14 trades and broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 500 shares across 6 trades.
Largest sellers by volume: broker 62, Capital Max Securities Limited on 2,000 shares across 6 trades, broker 25, Sweta Securities Pvt. Limited on 1,936 shares across 10 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 1,181 shares across 12 trades, broker 48, Trishakti Securities Public Limited on 1,068 shares across 6 trades, broker 42, Sani Securities Company Limited on 893 shares across 14 trades, broker 16, Primo Securities Pvt. Limited on 757 shares across 3 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 720 shares across 16 trades, broker 60, Nagarik Stock Dealer Company Ltd. on 708 shares across 4 trades, broker 58, Naasa Securities Co. Ltd. on 418 shares across 31 trades and broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 387 shares across 8 trades.
IME Life Insurance Company Limited most recently declared a 25% bonus share issue and a 10.5263% cash dividend, 35.5263% in total for 2081/2082, announced on 2025-12-15. 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 |
|---|---|---|---|
| 2081/2082 | 25% | 10.5263% | 2025-12-15 |
| 2080/2081 | 21.0526% | 2025-02-14 | |
| 2079/2080 | 25% | 2024-06-23 |
For 2081/2082 IME Life Insurance Company Limited declared a 25% bonus share issue and a 10.5263% cash dividend, 35.5263% in total, announced on 2025-12-15.
For 2080/2081 IME Life Insurance Company Limited declared a 21.0526% cash dividend, announced on 2025-02-14.
For 2079/2080 IME Life Insurance Company Limited declared a 25% bonus share issue, announced on 2024-06-23.
Annual and special general meetings IME Life Insurance Company Limited has called. A dividend is declared by the board and approved at the AGM.
6 years of annual statements and 9 quarters of results for ILI, with charts and peer comparison, are free on NepView.
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