IME Life Insurance Company Limited (ILI) Share Price & Fundamentals

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.

About IME Life Insurance Company Limited

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.

ILI key metrics

Market CapRs. 2,175.00 Crore
P/E Ratio55.31
P/E Ratio (TTM)37.23
EPSRs. 7.86
EPS (TTM)Rs. 11.68
Book ValueRs. 134.78
Dividend Yield2.42%
Face ValueRs. 100.00
52 Week HighRs. 489.60
52 Week LowRs. 396.30
Listed Since2079

ILI strengths

What IME Life Insurance Company Limited's own accounts show in its favour, graded against the rest of its sector.

ILI weaknesses

What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.

ILI Q4 2082/83 results

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.

ILI annual results 2082/83

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.

ILI profit and loss for 2082/83

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.

ILI profit and loss for 2081/82

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.

ILI profit and loss for 2080/81

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.

ILI balance sheet for 2081/82

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.

ILI balance sheet for 2080/81

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.

ILI balance sheet for 2079/80

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.

ILI cash flow for 2081/82

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.

ILI cash flow for 2080/81

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.

ILI cash flow for 2079/80

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.

ILI quarterly for Q4 2082/83

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.

ILI quarterly for Q3 2082/83

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.

ILI quarterly for Q2 2082/83

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.

ILI quarterly for Q1 2082/83

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.

ILI Profit & Loss

Values in Rs. Crore unless stated otherwise.

Particulars2082/832081/822080/812079/802078/792077/78
Net Earned Premiums746547453395339281
   Gross Earned Premiums774572474419355290
   Premiums Ceded-27.4-24.8-20.8-23.5-15.7-8.7
Other Income15817314590.653.339.7
   Commission IncomeNot reported5.93.90.000.000.00
   Other Direct Income3.52.21.10.990.920.00
   Interest Income on Loan to Policyholders11.08.76.25.42.80.00
   Income from Investments and Loans13813313282.049.537.6
   Net Realised Gains/(Losses)5.220.3-0.11-0.450.000.46
   Other Income0.402.12.02.70.081.7
Total Income905720599486392321
Net Benefits and Claims Paid-661-500-401-354-258-194
   Gross Benefits and Claims Paid-147-129-125-115-109-52.1
   Claims Ceded12.813.78.55.26.45.1
   Gross Change in Contract Liabilities-529-385-285-243-155-147
   Change in Contract Liabilities Ceded to Reinsurers1.7Not reportedNot reportedNot reportedNot reportedNot 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-0.05-0.05-0.22-0.25-0.050.00
   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 LossesNot reported0.00-0.330.00-0.440.29
   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 Tax58.469.664.221.913.511.0
Net Profit for the Year58.439.361.721.032.529.6
   Income Tax ExpensesNot reported-30.2-2.4-0.9119.018.7

ILI Balance Sheet

Values in Rs. Crore unless stated otherwise.

Particulars2081/822080/812079/802078/792077/78
Total Assets2,1231,8001,452763559
   Goodwill & Intangible Assets0.730.830.690.380.40
   Property and Equipment20.419.119.320.08.2
   Deferred Tax Assets21.251.754.655.536.1
   Investments1,7671,5221,004580422
   Loans10169.962.541.728.8
   Current Tax Assets47.834.824.718.815.0
   Insurance Receivables0.430.000.000.001.3
   Other Assets2.123.01.61.30.68
   Other Financial Assets10117.92477.912.4
   Cash and Cash Equivalent62.561.737.737.734.9
Total Liabilities1,4491,061770516346
   Provisions4.34.22.82.41.7
   Gross Insurance Contract Liabilities1,377991706463306
   Insurance Payables0.005.910.35.42.4
   Other Liabilities21.224.421.919.17.6
   Other Financial Liabilities47.134.828.826.728.3
Total Equity674740682247214
   Share Capital500500400140140
   Share Premium52.452.41540.000.00
   Catastrophe Reserves26.319.312.610.47.3
   Retained Earnings72.011561.740.729.5
   Other Equity23.352.854.356.036.6

ILI Cash Flow

Values in Rs. Crore unless stated otherwise.

Particulars2081/822080/812079/802078/792077/78
Opening Cash & Cash Equivalents61.737.737.734.931.8
Net Cash Flow from Operating Activities215423-49.1150114
   Gross Premium Received572474419358282
   Commission / Reinsurance Commission Received5.93.90.000.00Not reported
   Claim Recovery Received from Reinsurers13.78.55.26.44.1
   Other Direct Income Received2.21.10.990.92Not reported
   Other Income Received1.62.52.70.081.7
   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-13.0-10.1-5.90.00Not 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-77.6-60.60.00-5.5-11.3
   Proceeds from Sale of Equity Instruments0.000.000.008.82.2
   Purchase of Mutual Funds-27.2-8.2-2.5-0.40-3.9
   Proceeds from Sale of Mutual Funds0.003.50.480.00Not reported
   Purchase of Debentures-48.5-163-69.7-46.0-35.3
   Proceeds from Sale of Debentures0.0025.50.000.00Not reported
   Investments in Deposits-499-543-446-139-85.4
   Maturity of Deposits44123094.20.00Not reported
   Interest Income Received13913282.149.136.0
   Dividend Received1.30.000.531.20.08
   Loans Against Insurance Policies-30.7-7.5-20.9-13.4-28.6
Net Cash Flow from Financing Activities-105-6.54140.0017.9
   Interest Paid0.000.000.000.00-0.08
   Proceeds from Borrowings0.000.000.000.0018.0
   Proceeds from Issue of Share Capital0.0098.84140.000.00
   Dividend Paid-105-1050.000.000.00
Net Change in Cash0.8124.0-0.042.83.1
Closing Cash & Cash Equivalents62.561.737.737.734.9

ILI Quarterly Results

Values in Rs. Crore unless stated otherwise.

ParticularsQ4 2082/83Q3 2082/83Q2 2082/83Q1 2082/83Q4 2081/82Q3 2081/82Q2 2081/82Q1 2081/82Q4 2080/81
Net Earned Premiums245182166154189126118116141
   Gross Earned Premiums258183174159192129123121145
   Premiums Ceded-12.7-0.45-8.8-5.4-3.0-2.7-5.1-5.0-4.3
Other Income42.134.137.844.446.741.939.141.639.6
   Commission IncomeNot reportedNot reportedNot reportedNot reportedNot reported0.443.1Not reportedNot reported
   Other Direct Income1.20.840.770.780.840.530.470.320.36
   Interest Income on Loan to Policyholders3.62.72.42.32.22.22.51.82.8
   Income from Investments and Loans37.129.533.538.133.331.932.634.335.3
   Net Realised Gains/(Losses)-0.041.01.13.29.75.50.145.0-0.08
   Other Income0.210.010.160.010.641.40.340.161.1
Total Income287216203198236168157158180
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 Ceded4.12.43.62.73.33.83.72.72.8
   Gross Change in Contract Liabilities-153-138-116-122-127-94.2-86.6-83.8-108
   Change in Contract Liabilities Ceded to Reinsurers-1.51.41.80.000.000.000.000.000.00
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-1.2-0.29-0.560.00-0.28-0.28-0.560.00-1.9
Total Expenses-265-207-192-182-210-158-144-144-160
Profit Before Tax21.69.711.215.825.59.812.314.520.1
Net Profit for the Year21.69.711.215.821.79.812.314.518.3
   Income Tax ExpensesNot reportedNot reportedNot reportedNot reported-3.8Not reportedNot reportedNot reported-1.8

IME Life Insurance share price history

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.

DateOpenHighLowCloseVolume
2026-10-13424.10436.00424.10435.0013,904
2026-10-12424.10429.00424.10425.408,971
2026-10-09426.00430.00425.10427.0010,594
2026-10-08422.10428.00422.10427.5010,485
2026-10-07420.50430.00420.40428.0010,514
2026-10-06423.00428.00420.00426.509,359
2026-10-05416.00427.00416.00425.0013,081
2026-10-02422.00423.90420.10423.609,118
2026-10-01422.50429.00416.00422.109,276
2026-09-30420.00424.00420.00422.504,432
2026-09-29422.10424.00420.00423.006,630
2026-09-28428.00430.00422.00422.1012,187
2026-09-24425.00429.80420.20428.009,122
2026-09-23435.00435.00424.00427.0013,889
2026-09-22408.50437.70408.50435.0018,941

ILI share price by year

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.

YearLow (Rs.)High (Rs.)Sessions
2026396.30483.00182
2025405.00530.00225
2024404.00606.00232
2023355.20512.4886

IME Life Insurance share price returns

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.

PeriodReturnFrom price (Rs.)From date
1 week+1.99%426.502026-10-06
1 month+6.33%409.102026-09-11
3 months+8.48%401.002026-07-15
6 months-2.25%445.002026-04-16
1 year+0.69%432.002025-10-13

ILI floorsheet for 2026-10-13

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.

ILI dividend history: bonus shares and cash dividend

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 yearBonus shareCash dividendAnnounced
2081/208225%10.5263%2025-12-15
2080/208121.0526%2025-02-14
2079/208025%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.

ILI general meetings

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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