Life Insurance Corporation (Nepal) (LICN) share price is Rs. 798.00, down 1.48% on 2026-11-02. Open Rs. 800.00. High Rs. 801.60. Low Rs. 790.10. Volume 7,855.
Life Insurance Corporation (Nepal) Limited is a NEPSE-listed company (LICN), Life Insurance sector. Premium: Rs. 2,114.54 Crore. Net profit: Rs. 40.58 Crore. Net worth: Rs. 1,057.74 Crore.
Life Insurance Corporation (Nepal) Limited (LICN) has 5,50,00,000 shares outstanding. Its most recent declared dividend was 21.05% on face value.
| Market Cap | Rs. 4,389.00 Crore |
|---|---|
| P/E Ratio | 52.42 |
| P/E Ratio (TTM) | 108.16 |
| EPS | Rs. 15.22 |
| EPS (TTM) | Rs. 7.38 |
| Book Value | Rs. 192.32 |
| Dividend Yield | 2.64% |
| Face Value | Rs. 100.00 |
| 52 Week High | Rs. 969.00 |
| 52 Week Low | Rs. 741.50 |
What Life Insurance Corporation (Nepal) 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 the fourth quarter of 2082/83 (Q4 2082/83) Life Insurance Corporation (Nepal) Limited reported profit of Rs. 8.53 crore and net earned premiums of Rs. 604.44 crore. Profit in Q3 2082/83 was Rs. 9.59 crore. Profit fell 11.05% on the previous quarter. Net earned premiums grew 22.84% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 7.99 crore. Profit grew 6.81% on the same quarter last year. Net earned premiums grew 2.93% on the same quarter last year.
For the financial year 2082/83 Life Insurance Corporation (Nepal) Limited reported net profit of Rs. 40.58 crore, net earned premiums of Rs. 2,114.54 crore and net worth of Rs. 1,057.74 crore. Net profit in 2081/82 was Rs. 83.73 crore. Net profit fell 51.54% on the year. Net earned premiums grew 6.63% on the year.
In the financial year 2082/83, Life Insurance Corporation (Nepal) Limited reported net earned premiums of Rs. 2,114.54 crore, other income of Rs. 1,232.45 crore, total income of Rs. 3,346.99 crore, net benefits and claims paid of Rs. 2,786.02 crore, other expenses of Rs. 282.74 crore, total expenses of Rs. 3,068.76 crore, profit before tax of Rs. 278.23 crore and net profit for the year of Rs. 40.58 crore.
Reported under net earned premiums: gross earned premiums of Rs. 2,124.89 crore and premiums ceded of Rs. 10.35 crore. Reported under other income: commission income of Rs. 1.05 crore, other direct income of Rs. 27.3 crore, interest income on loan to policyholders of Rs. 230.21 crore, income from investments and loans of Rs. 973.88 crore and other income of Rs. 0.01 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 1,306.37 crore, claims ceded of Rs. 4.72 crore and gross change in contract liabilities of Rs. 1,484.37 crore. Reported under other expenses: commission expenses of Rs. 152.58 crore, service fees of Rs. 15.86 crore, employee benefits expenses of Rs. 47.02 crore, depreciation and amortization expenses of Rs. 5.36 crore, impairment losses of Rs. 0.48 crore, other operating expenses of Rs. 59.77 crore and finance cost of Rs. 1.67 crore. Reported under net profit for the year: income tax expenses of Rs. 237.66 crore.
In the financial year 2081/82, Life Insurance Corporation (Nepal) Limited reported net earned premiums of Rs. 1,983 crore, other income of Rs. 1,246.52 crore, total income of Rs. 3,229.52 crore, net benefits and claims paid of Rs. 2,629.5 crore, other expenses of Rs. 278.03 crore, total expenses of Rs. 2,907.53 crore, profit before tax of Rs. 321.99 crore and net profit for the year of Rs. 83.73 crore.
Reported under net earned premiums: gross earned premiums of Rs. 1,993.83 crore and premiums ceded of Rs. 10.83 crore. Reported under other income: commission income of Rs. 1.4 crore, other direct income of Rs. 27.85 crore, interest income on loan to policyholders of Rs. 240.5 crore, income from investments and loans of Rs. 976.76 crore, net realised gains/(losses) of Rs. 0 crore and other income of Rs. 0.01 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 1,259.02 crore, claims ceded of Rs. 3.89 crore and gross change in contract liabilities of Rs. 1,374.37 crore. Reported under other expenses: commission expenses of Rs. 147.74 crore, service fees of Rs. 14.87 crore, employee benefits expenses of Rs. 50.23 crore, depreciation and amortization expenses of Rs. 5.51 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 57.75 crore and finance cost of Rs. 1.93 crore. Reported under net profit for the year: income tax expenses of Rs. 238.25 crore.
In the financial year 2080/81, Life Insurance Corporation (Nepal) Limited reported net earned premiums of Rs. 1,799.54 crore, other income of Rs. 1,197.59 crore, total income of Rs. 2,997.14 crore, net benefits and claims paid of Rs. 2,407.92 crore, other expenses of Rs. 263.48 crore, total expenses of Rs. 2,671.4 crore, profit before tax of Rs. 325.74 crore and net profit for the year of Rs. 82.96 crore.
Reported under net earned premiums: gross earned premiums of Rs. 1,810.75 crore and premiums ceded of Rs. 11.21 crore. Reported under other income: commission income of Rs. 1.49 crore, other direct income of Rs. 24.01 crore, interest income on loan to policyholders of Rs. 237.12 crore, income from investments and loans of Rs. 934.95 crore, net realised gains/(losses) of Rs. 0 crore and other income of Rs. 0.02 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 1,089.18 crore, claims ceded of Rs. 3.49 crore and gross change in contract liabilities of Rs. 1,322.22 crore. Reported under other expenses: commission expenses of Rs. 139.42 crore, service fees of Rs. 13.5 crore, employee benefits expenses of Rs. 47.24 crore, depreciation and amortization expenses of Rs. 5.43 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 55.84 crore and finance cost of Rs. 2.05 crore. Reported under net profit for the year: income tax expenses of Rs. 242.78 crore.
In the financial year 2081/82, Life Insurance Corporation (Nepal) Limited reported total assets of Rs. 14,582.68 crore, total liabilities of Rs. 13,524.93 crore and total equity of Rs. 1,057.74 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0 crore, property and equipment of Rs. 39.24 crore, deferred tax assets of Rs. 0 crore, investments of Rs. 11,734.04 crore, loans of Rs. 2,140.99 crore, current tax assets of Rs. 17.94 crore, insurance receivables of Rs. 1.89 crore, other assets of Rs. 101.7 crore, other financial assets of Rs. 340.88 crore and cash and cash equivalent of Rs. 206 crore. Reported under total liabilities: provisions of Rs. 16.76 crore, gross insurance contract liabilities of Rs. 13,363.25 crore, deferred tax liabilities of Rs. 5.66 crore, insurance payables of Rs. 5.43 crore, current tax liabilities of Rs. 0 crore, other liabilities of Rs. 46.33 crore and other financial liabilities of Rs. 87.51 crore. Reported under total equity: share capital of Rs. 550 crore, share premium of Rs. 49.8 crore, catastrophe reserves of Rs. 73.3 crore, retained earnings of Rs. 345.23 crore and other equity of Rs. 39.42 crore.
In the financial year 2080/81, Life Insurance Corporation (Nepal) Limited reported total assets of Rs. 12,838.13 crore, total liabilities of Rs. 12,151.54 crore and total equity of Rs. 686.6 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.01 crore, property and equipment of Rs. 42.42 crore, deferred tax assets of Rs. 0 crore, investments of Rs. 10,030.26 crore, loans of Rs. 2,221.37 crore, current tax assets of Rs. 27.65 crore, insurance receivables of Rs. 2.89 crore, other assets of Rs. 0.82 crore, other financial assets of Rs. 326.94 crore and cash and cash equivalent of Rs. 185.76 crore. Reported under total liabilities: provisions of Rs. 9.88 crore, gross insurance contract liabilities of Rs. 11,963.38 crore, deferred tax liabilities of Rs. 1.85 crore, insurance payables of Rs. 8.56 crore, current tax liabilities of Rs. 0 crore, other liabilities of Rs. 59.32 crore and other financial liabilities of Rs. 108.55 crore. Reported under total equity: share capital of Rs. 265.32 crore, share premium of Rs. 6.12 crore, catastrophe reserves of Rs. 65.41 crore, retained earnings of Rs. 316.39 crore and other equity of Rs. 33.36 crore.
In the financial year 2079/80, Life Insurance Corporation (Nepal) Limited reported total assets of Rs. 11,443.1 crore, total liabilities of Rs. 10,845.47 crore and total equity of Rs. 597.63 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.01 crore, property and equipment of Rs. 46.14 crore, deferred tax assets of Rs. 12.05 crore, investments of Rs. 8,651.54 crore, loans of Rs. 2,188.22 crore, current tax assets of Rs. 0 crore, insurance receivables of Rs. 2.24 crore, other assets of Rs. 1.14 crore, other financial assets of Rs. 296.81 crore and cash and cash equivalent of Rs. 244.96 crore. Reported under total liabilities: provisions of Rs. 3.47 crore, gross insurance contract liabilities of Rs. 10,634.03 crore, deferred tax liabilities of Rs. 0 crore, insurance payables of Rs. 2.95 crore, current tax liabilities of Rs. 11.26 crore, other liabilities of Rs. 59.63 crore and other financial liabilities of Rs. 134.13 crore. Reported under total equity: share capital of Rs. 265.32 crore, share premium of Rs. 6.12 crore, catastrophe reserves of Rs. 56.16 crore, retained earnings of Rs. 234.43 crore and other equity of Rs. 35.61 crore.
In the financial year 2081/82, Life Insurance Corporation (Nepal) Limited reported opening cash & cash equivalents of Rs. 185.76 crore, net cash flow from operating activities of Rs. 243.42 crore, net cash flow from investing activities of Rs. 500.66 crore, net cash flow from financing activities of Rs. 277.48 crore, net change in cash of Rs. 20.24 crore and closing cash & cash equivalents of Rs. 206 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 1,993.83 crore, commission / reinsurance commission received of Rs. 1.4 crore, claim recovery received from reinsurers of Rs. 3.89 crore, other direct income received of Rs. 27.85 crore, gross benefits and claims paid of Rs. 1,259.02 crore, reinsurance premium paid of Rs. 10.83 crore, commission paid of Rs. 142.99 crore, service fees paid of Rs. 24.11 crore, employee benefits expenses paid of Rs. 52.51 crore, other expenses paid of Rs. 56.87 crore and income tax paid of Rs. 237.22 crore. Reported under net cash flow from investing activities: acquisitions of property and equipment of Rs. 0.67 crore, purchase of equity instruments of Rs. 51.47 crore, purchase of mutual funds of Rs. 11.05 crore, purchase of debentures of Rs. 31.63 crore, investments in deposits of Rs. 1,576.85 crore, interest income received of Rs. 967.79 crore and dividend received of Rs. 3.16 crore. Reported under net cash flow from financing activities: proceeds from issue of share capital of Rs. 278.37 crore.
In the financial year 2080/81, Life Insurance Corporation (Nepal) Limited reported opening cash & cash equivalents of Rs. 244.96 crore, net cash flow from operating activities of Rs. 208.59 crore, net cash flow from investing activities of Rs. 267.79 crore, net cash flow from financing activities of Rs. 0 crore, net change in cash of Rs. 59.2 crore and closing cash & cash equivalents of Rs. 185.76 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 1,810.75 crore, commission / reinsurance commission received of Rs. 1.49 crore, claim recovery received from reinsurers of Rs. 3.49 crore, other direct income received of Rs. 24.01 crore, gross benefits and claims paid of Rs. 1,089.18 crore, reinsurance premium paid of Rs. 11.21 crore, commission paid of Rs. 135.56 crore, service fees paid of Rs. 14.33 crore, employee benefits expenses paid of Rs. 52.86 crore, other expenses paid of Rs. 55.84 crore and income tax paid of Rs. 272.17 crore. Reported under net cash flow from investing activities: acquisitions of property and equipment of Rs. 0.42 crore, investments in deposits of Rs. 1,368.16 crore, interest income received of Rs. 926.53 crore and dividend received of Rs. 5.89 crore. Reported under net cash flow from financing activities: proceeds from issue of share capital of Rs. 0 crore.
In the financial year 2079/80, Life Insurance Corporation (Nepal) Limited reported opening cash & cash equivalents of Rs. 197.85 crore, net cash flow from operating activities of Rs. 673.74 crore, net cash flow from investing activities of Rs. 626.63 crore, net cash flow from financing activities of Rs. 0 crore, net change in cash of Rs. 47.11 crore and closing cash & cash equivalents of Rs. 244.96 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 1,746.8 crore, commission / reinsurance commission received of Rs. 1.51 crore, claim recovery received from reinsurers of Rs. 2.64 crore, other direct income received of Rs. 0 crore, gross benefits and claims paid of Rs. 898.55 crore, reinsurance premium paid of Rs. 8.1 crore, commission paid of Rs. 143.54 crore, service fees paid of Rs. 14.43 crore, employee benefits expenses paid of Rs. 38.28 crore, other expenses paid of Rs. 0 crore and income tax paid of Rs. 25.68 crore. Reported under net cash flow from investing activities: acquisitions of property and equipment of Rs. 25.51 crore, purchase of equity instruments of Rs. 0 crore, proceeds from sale of equity instruments of Rs. 0 crore, purchase of mutual funds of Rs. 0 crore, purchase of debentures of Rs. 0 crore, proceeds from sale of debentures of Rs. 0 crore, investments in deposits of Rs. 1,015.04 crore, interest income received of Rs. 815.08 crore, dividend received of Rs. 8.56 crore and loans against insurance policies of Rs. 359.88 crore. Reported under net cash flow from financing activities: proceeds from issue of share capital of Rs. 0 crore.
In the quarter Q4 2082/83, Life Insurance Corporation (Nepal) Limited reported net earned premiums of Rs. 604.44 crore, other income of Rs. 310.8 crore, total income of Rs. 915.25 crore, net benefits and claims paid of Rs. 750.76 crore, other expenses of Rs. 101.7 crore, total expenses of Rs. 852.47 crore, profit before tax of Rs. 62.78 crore and net profit for the year of Rs. 8.53 crore.
Reported under net earned premiums: gross earned premiums of Rs. 607.58 crore and premiums ceded of Rs. 3.14 crore. Reported under other income: commission income of Rs. 0.62 crore, other direct income of Rs. 8.96 crore, interest income on loan to policyholders of Rs. 54.09 crore, income from investments and loans of Rs. 247.12 crore and other income of Rs. 0 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 374.3 crore, claims ceded of Rs. 1.48 crore and gross change in contract liabilities of Rs. 377.95 crore. Reported under other expenses: commission expenses of Rs. 45.33 crore, service fees of Rs. 4.53 crore, employee benefits expenses of Rs. 14.96 crore, depreciation and amortization expenses of Rs. 1.35 crore, impairment losses of Rs. 0.31 crore, other operating expenses of Rs. 35.44 crore and finance cost of Rs. 0.4 crore. Reported under net profit for the year: income tax expenses of Rs. 54.25 crore.
In the quarter Q3 2082/83, Life Insurance Corporation (Nepal) Limited reported net earned premiums of Rs. 492.07 crore, other income of Rs. 297.14 crore, total income of Rs. 789.21 crore, net benefits and claims paid of Rs. 660.01 crore, other expenses of Rs. 59.7 crore, total expenses of Rs. 719.71 crore, profit before tax of Rs. 69.5 crore and net profit for the year of Rs. 9.59 crore.
Reported under net earned premiums: gross earned premiums of Rs. 494.37 crore and premiums ceded of Rs. 2.29 crore. Reported under other income: commission income of Rs. 0.13 crore, other direct income of Rs. 5.94 crore, interest income on loan to policyholders of Rs. 54.77 crore, income from investments and loans of Rs. 236.28 crore and other income of Rs. 0.01 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 317.98 crore, claims ceded of Rs. 0.59 crore and gross change in contract liabilities of Rs. 342.62 crore. Reported under other expenses: commission expenses of Rs. 34.41 crore, service fees of Rs. 3.69 crore, employee benefits expenses of Rs. 9.31 crore, depreciation and amortization expenses of Rs. 1.31 crore, impairment losses of Rs. 0.79 crore, other operating expenses of Rs. 9.79 crore and finance cost of Rs. 0.4 crore. Reported under net profit for the year: income tax expenses of Rs. 59.91 crore.
In the quarter Q2 2082/83, Life Insurance Corporation (Nepal) Limited reported net earned premiums of Rs. 521.73 crore, other income of Rs. 306.82 crore, total income of Rs. 828.55 crore, net benefits and claims paid of Rs. 693.16 crore, other expenses of Rs. 62.46 crore, total expenses of Rs. 755.61 crore, profit before tax of Rs. 72.94 crore and net profit for the year of Rs. 11.62 crore.
Reported under net earned premiums: gross earned premiums of Rs. 524.57 crore and premiums ceded of Rs. 2.84 crore. Reported under other income: commission income of Rs. 0.25 crore, other direct income of Rs. 6.59 crore, interest income on loan to policyholders of Rs. 56.31 crore, income from investments and loans of Rs. 243.67 crore and other income of Rs. 0 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 329.97 crore, claims ceded of Rs. 2.65 crore and gross change in contract liabilities of Rs. 365.83 crore. Reported under other expenses: commission expenses of Rs. 38.25 crore, service fees of Rs. 3.91 crore, employee benefits expenses of Rs. 10.52 crore, depreciation and amortization expenses of Rs. 1.72 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 7.64 crore and finance cost of Rs. 0.42 crore. Reported under net profit for the year: income tax expenses of Rs. 61.32 crore.
In the quarter Q1 2082/83, Life Insurance Corporation (Nepal) Limited reported net earned premiums of Rs. 496.29 crore, other income of Rs. 317.69 crore, total income of Rs. 813.99 crore, net benefits and claims paid of Rs. 682.09 crore, other expenses of Rs. 58.88 crore, total expenses of Rs. 740.96 crore, profit before tax of Rs. 73.02 crore and net profit for the year of Rs. 10.84 crore.
Reported under net earned premiums: gross earned premiums of Rs. 498.37 crore and premiums ceded of Rs. 2.08 crore. Reported under other income: commission income of Rs. 0.04 crore, other direct income of Rs. 5.8 crore, interest income on loan to policyholders of Rs. 65.04 crore, income from investments and loans of Rs. 246.81 crore and other income of Rs. 0 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 284.12 crore, claims ceded of Rs. 0 crore and gross change in contract liabilities of Rs. 397.97 crore. Reported under other expenses: commission expenses of Rs. 34.59 crore, service fees of Rs. 3.72 crore, employee benefits expenses of Rs. 12.23 crore, depreciation and amortization expenses of Rs. 0.98 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 6.91 crore and finance cost of Rs. 0.45 crore. Reported under net profit for the year: income tax expenses of Rs. 62.19 crore.
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|---|---|---|---|---|---|
| Net Earned Premiums | 2,115 | 1,983 | 1,800 | 1,739 | 1,815 | 1,707 |
| Gross Earned Premiums | 2,125 | 1,994 | 1,811 | 1,747 | 1,824 | 1,716 |
| Premiums Ceded | -10.3 | -10.8 | -11.2 | -8.1 | -9.0 | -9.5 |
| Other Income | 1,232 | 1,247 | 1,198 | 1,092 | 893 | 808 |
| Commission Income | 1.0 | 1.4 | 1.5 | 1.5 | 1.2 | 1.4 |
| Other Direct Income | 27.3 | 27.8 | 24.0 | 27.1 | 26.9 | 24.1 |
| Interest Income on Loan to Policyholders | 230 | 240 | 237 | 236 | 168 | 144 |
| Income from Investments and Loans | 974 | 977 | 935 | 826 | 695 | 560 |
| Net Realised Gains/(Losses) | Not reported | 0.00 | 0.00 | 0.00 | 0.00 | 78.2 |
| Other Income | 0.01 | 0.01 | 0.02 | 0.02 | 1.5 | 0.71 |
| Total Income | 3,347 | 3,230 | 2,997 | 2,830 | 2,707 | 2,515 |
| Net Benefits and Claims Paid | -2,786 | -2,630 | -2,408 | -2,278 | -2,166 | -2,020 |
| Gross Benefits and Claims Paid | -1,306 | -1,259 | -1,089 | -899 | -912 | -747 |
| Claims Ceded | 4.7 | 3.9 | 3.5 | 2.6 | 6.0 | 13.7 |
| Gross Change in Contract Liabilities | -1,484 | -1,374 | -1,322 | -1,382 | -1,259 | -1,287 |
| Other Expenses | -283 | -278 | -263 | -279 | -291 | -288 |
| Commission Expenses | -153 | -148 | -139 | -144 | -169 | -169 |
| Service Fees | -15.9 | -14.9 | -13.5 | -14.4 | -18.1 | -17.0 |
| Employee Benefits Expenses | -47.0 | -50.2 | -47.2 | -38.3 | -36.4 | -34.4 |
| Depreciation and Amortization Expenses | -5.4 | -5.5 | -5.4 | -5.5 | -1.4 | -1.5 |
| Impairment Losses | -0.48 | 0.00 | 0.00 | -1.2 | -1.4 | -0.59 |
| Other Operating Expenses | -59.8 | -57.8 | -55.8 | -73.4 | -64.8 | -66.3 |
| Finance Cost | -1.7 | -1.9 | -2.1 | -2.4 | 0.00 | 0.00 |
| Total Expenses | -3,069 | -2,908 | -2,671 | -2,557 | -2,457 | -2,309 |
| Profit Before Tax | 278 | 322 | 326 | 274 | 250 | 206 |
| Net Profit for the Year | 40.6 | 83.7 | 83.0 | 75.3 | 101 | 74.5 |
| Income Tax Expenses | -238 | -238 | -243 | -199 | -149 | -132 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|---|---|---|---|---|
| Total Assets | 14,583 | 12,838 | 11,443 | 9,946 | 8,776 |
| Goodwill & Intangible Assets | 0.00 | 0.01 | 0.01 | 0.02 | 0.03 |
| Property and Equipment | 39.2 | 42.4 | 46.1 | 26.1 | 26.5 |
| Deferred Tax Assets | 0.00 | 0.00 | 12.1 | 2.7 | 0.00 |
| Investments | 11,734 | 10,030 | 8,652 | 7,636 | 6,616 |
| Loans | 2,141 | 2,221 | 2,188 | 1,828 | 1,458 |
| Current Tax Assets | 17.9 | 27.7 | 0.00 | 14.4 | 0.00 |
| Insurance Receivables | 1.9 | 2.9 | 2.2 | 3.0 | 6.9 |
| Other Assets | 102 | 0.82 | 1.1 | 3.0 | 148 |
| Other Financial Assets | 341 | 327 | 297 | 234 | 191 |
| Cash and Cash Equivalent | 206 | 186 | 245 | 198 | 329 |
| Total Liabilities | 13,525 | 12,152 | 10,845 | 9,421 | 8,335 |
| Provisions | 16.8 | 9.9 | 3.5 | 2.8 | 2.0 |
| Gross Insurance Contract Liabilities | 13,363 | 11,963 | 10,634 | 9,252 | 8,079 |
| Deferred Tax Liabilities | 5.7 | 1.8 | 0.00 | 0.00 | 31.4 |
| Insurance Payables | 5.4 | 8.6 | 2.9 | 0.79 | 0.35 |
| Current Tax Liabilities | 0.00 | 0.00 | 11.3 | 0.00 | 18.9 |
| Other Liabilities | 46.3 | 59.3 | 59.6 | 126 | 38.5 |
| Other Financial Liabilities | 87.5 | 109 | 134 | 39.3 | 165 |
| Total Equity | 1,058 | 687 | 598 | 525 | 441 |
| Share Capital | 550 | 265 | 265 | 265 | 221 |
| Share Premium | 49.8 | 6.1 | 6.1 | 6.1 | 6.1 |
| Catastrophe Reserves | 73.3 | 65.4 | 56.2 | 49.5 | 41.7 |
| Retained Earnings | 345 | 316 | 234 | 174 | 153 |
| Other Equity | 39.4 | 33.4 | 35.6 | 30.1 | 19.2 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 186 | 245 | 198 | 329 | 284 |
| Net Cash Flow from Operating Activities | 243 | 209 | 674 | 680 | 549 |
| Gross Premium Received | 1,994 | 1,811 | 1,747 | 1,823 | 1,714 |
| Commission / Reinsurance Commission Received | 1.4 | 1.5 | 1.5 | 1.2 | 1.4 |
| Claim Recovery Received from Reinsurers | 3.9 | 3.5 | 2.6 | 6.0 | 13.7 |
| Other Direct Income Received | 27.8 | 24.0 | 0.00 | 0.00 | 0.00 |
| Gross Benefits and Claims Paid | -1,259 | -1,089 | -899 | -912 | -747 |
| Reinsurance Premium Paid | -10.8 | -11.2 | -8.1 | -5.1 | -14.6 |
| Commission Paid | -143 | -136 | -144 | -169 | -169 |
| Service Fees Paid | -24.1 | -14.3 | -14.4 | -18.2 | -17.1 |
| Employee Benefits Expenses Paid | -52.5 | -52.9 | -38.3 | -36.4 | -34.4 |
| Other Expenses Paid | -56.9 | -55.8 | 0.00 | 24.4 | -240 |
| Income Tax Paid | -237 | -272 | 25.7 | -33.4 | 41.9 |
| Net Cash Flow from Investing Activities | -501 | -268 | -627 | -809 | -503 |
| Acquisitions of Property and Equipment | -0.67 | -0.42 | -25.5 | -1.1 | -1.8 |
| Purchase of Equity Instruments | -51.5 | Not reported | 0.00 | -116 | 0.00 |
| Proceeds from Sale of Equity Instruments | Not reported | Not reported | 0.00 | 0.00 | -23.0 |
| Purchase of Mutual Funds | -11.1 | Not reported | 0.00 | 0.00 | 0.00 |
| Purchase of Debentures | -31.6 | Not reported | 0.00 | -84.0 | 0.00 |
| Proceeds from Sale of Debentures | Not reported | Not reported | 0.00 | 0.00 | 84.0 |
| Investments in Deposits | -1,577 | -1,368 | -1,015 | -1,020 | -1,135 |
| Interest Income Received | 968 | 927 | 815 | 751 | 651 |
| Dividend Received | 3.2 | 5.9 | 8.6 | 3.5 | 2.8 |
| Loans Against Insurance Policies | Not reported | Not reported | -360 | -370 | -106 |
| Net Cash Flow from Financing Activities | 277 | 0.00 | 0.00 | -2.3 | -1.1 |
| Proceeds from Issue of Share Capital | 278 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities | Not reported | Not reported | Not reported | -2.3 | -1.1 |
| Net Change in Cash | 20.2 | -59.2 | 47.1 | -131 | 45.2 |
| Closing Cash & Cash Equivalents | 206 | 186 | 245 | 198 | 329 |
Figures from Life Insurance Corporation (Nepal) Limited's quarterly reports, most recent quarter first.
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 | 604 | 492 | 522 | 496 | 587 | 455 | 486 | 455 | 451 |
| Gross Earned Premiums | 608 | 494 | 525 | 498 | 590 | 458 | 489 | 457 | 452 |
| Premiums Ceded | -3.1 | -2.3 | -2.8 | -2.1 | -2.7 | -3.0 | -2.9 | -2.5 | -1.2 |
| Other Income | 311 | 297 | 307 | 318 | 312 | 310 | 308 | 320 | 298 |
| Commission Income | 0.62 | 0.13 | 0.25 | 0.04 | 0.94 | 0.15 | 0.31 | 0.00 | 0.80 |
| Other Direct Income | 9.0 | 5.9 | 6.6 | 5.8 | 9.2 | 6.1 | 7.1 | 5.5 | 7.6 |
| Interest Income on Loan to Policyholders | 54.1 | 54.8 | 56.3 | 65.0 | 61.3 | 62.1 | 56.5 | 60.6 | 65.6 |
| Income from Investments and Loans | 247 | 236 | 244 | 247 | 241 | 242 | 244 | 254 | 224 |
| Other Income | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Income | 915 | 789 | 829 | 814 | 899 | 765 | 793 | 775 | 749 |
| Net Benefits and Claims Paid | -751 | -660 | -693 | -682 | -731 | -641 | -663 | -650 | -534 |
| Gross Benefits and Claims Paid | -374 | -318 | -330 | -284 | -394 | -283 | -316 | -266 | -243 |
| Claims Ceded | 1.5 | 0.59 | 2.6 | 0.00 | 2.5 | 1.2 | 0.00 | 0.07 | 0.79 |
| Gross Change in Contract Liabilities | -378 | -343 | -366 | -398 | -340 | -358 | -347 | -384 | -291 |
| Other Expenses | -102 | -59.7 | -62.5 | -58.9 | -106 | -53.5 | -61.5 | -50.6 | -111 |
| Commission Expenses | -45.3 | -34.4 | -38.2 | -34.6 | -49.5 | -32.6 | -36.9 | -28.7 | -38.3 |
| Service Fees | -4.5 | -3.7 | -3.9 | -3.7 | -4.4 | -3.4 | -3.6 | -3.4 | -3.4 |
| Employee Benefits Expenses | -15.0 | -9.3 | -10.5 | -12.2 | -16.2 | -7.0 | -9.6 | -11.4 | -14.3 |
| Depreciation and Amortization Expenses | -1.3 | -1.3 | -1.7 | -0.98 | -1.9 | -1.0 | -1.7 | -0.88 | -4.4 |
| Impairment Losses | 0.31 | -0.79 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.10 |
| Other Operating Expenses | -35.4 | -9.8 | -7.6 | -6.9 | -33.8 | -8.7 | -9.1 | -5.7 | -48.0 |
| Finance Cost | -0.40 | -0.40 | -0.42 | -0.45 | -0.36 | -0.69 | -0.45 | -0.42 | -2.4 |
| Total Expenses | -852 | -720 | -756 | -741 | -837 | -694 | -724 | -700 | -645 |
| Profit Before Tax | 62.8 | 69.5 | 72.9 | 73.0 | 62.3 | 71.0 | 69.2 | 75.0 | 104 |
| Net Profit for the Year | 8.5 | 9.6 | 11.6 | 10.8 | 8.0 | 9.4 | 6.3 | 7.9 | 60.6 |
| Income Tax Expenses | -54.2 | -59.9 | -61.3 | -62.2 | -54.3 | -61.6 | -62.9 | -67.2 | -43.3 |
Over the last 15 trading sessions LICN closed between Rs. 777.00 and Rs. 814.90, finishing at Rs. 798.00 on 2026-11-02 against Rs. 780.00 on 2026-10-05.
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| 2026-11-02 | 800.00 | 801.60 | 790.10 | 798.00 | 7,855 |
| 2026-10-30 | 810.00 | 817.00 | 806.00 | 810.00 | 21,908 |
| 2026-10-29 | 817.00 | 817.00 | 806.30 | 810.00 | 11,621 |
| 2026-10-28 | 800.00 | 815.00 | 796.10 | 814.90 | 18,706 |
| 2026-10-27 | 806.00 | 806.00 | 792.80 | 800.00 | 5,830 |
| 2026-10-26 | 790.60 | 814.90 | 790.60 | 806.00 | 8,009 |
| 2026-10-16 | 800.00 | 806.00 | 795.50 | 804.90 | 5,334 |
| 2026-10-14 | 805.00 | 805.00 | 790.10 | 804.00 | 14,095 |
| 2026-10-13 | 796.90 | 797.00 | 780.20 | 796.00 | 11,759 |
| 2026-10-12 | 785.00 | 797.00 | 782.00 | 782.30 | 2,207 |
| 2026-10-09 | 780.00 | 787.60 | 775.00 | 780.10 | 5,318 |
| 2026-10-08 | 780.00 | 784.00 | 772.00 | 780.00 | 4,169 |
| 2026-10-07 | 788.00 | 788.00 | 773.20 | 777.00 | 6,482 |
| 2026-10-06 | 792.50 | 792.50 | 776.00 | 777.70 | 7,109 |
| 2026-10-05 | 773.00 | 780.00 | 772.00 | 780.00 | 6,347 |
2026, between Rs. 741.50 and Rs. 910.00, 2025, between Rs. 773.00 and Rs. 1,286.36, 2024, between Rs. 640.70 and Rs. 1,460.00, 2023, between Rs. 639.88 and Rs. 910.99, 2022, between Rs. 556.43 and Rs. 1,139.65 and 2021, between Rs. 726.07 and Rs. 1,150.18.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|---|---|---|
| 2026 | 741.50 | 910.00 | 190 |
| 2025 | 773.00 | 1,286.36 | 225 |
| 2024 | 640.70 | 1,460.00 | 232 |
| 2023 | 639.88 | 910.99 | 227 |
| 2022 | 556.43 | 1,139.65 | 242 |
| 2021 | 726.07 | 1,150.18 | 239 |
| 2020 | 411.78 | 840.82 | 183 |
| 2019 | 368.65 | 572.93 | 241 |
| 2018 | 381.09 | 540.12 | 230 |
| 2017 | 384.54 | 653.77 | 228 |
| 2016 | 506.92 | 775.95 | 229 |
| 2015 | 330.16 | 673.59 | 202 |
At Rs. 798.00 on 2026-11-02, LICN is down 0.99% over 1 week, up 2.07% over 1 month, up 1.98% over 3 months, down 1.36% over 6 months, down 8.70% over 1 year and down 9.78% over 5 years. 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 | -0.99% | 806.00 | 2026-10-26 |
| 1 month | +2.07% | 781.80 | 2026-10-02 |
| 3 months | +1.98% | 782.50 | 2026-08-04 |
| 6 months | -1.36% | 809.00 | 2026-05-06 |
| 1 year | -8.70% | 874.00 | 2025-11-02 |
| 5 years | -9.78% | 884.46 | 2021-11-03 |
LICN traded 64 times on 2026-11-02, moving 7,855 shares for Rs. 0.63 crore of turnover. Trades went through between Rs. 790.10 and Rs. 801.60.
Largest buyers by volume: broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 1,349 shares across 4 trades, broker 19, Nepal Investment & Securities Trading Pvt. Limited on 1,100 shares across 4 trades, broker 65, Sharepro Securities Private Limited on 1,010 shares across 3 trades, broker 33, Dakshinkali Investment Securities Pvt.Limited on 620 shares across 3 trades, broker 58, Naasa Securities Co. Ltd. on 590 shares across 9 trades, broker 69, Index Securities Limited on 500 shares across 8 trades, broker 41, Linch Stock Market Limited on 375 shares across 2 trades, broker 16, Primo Securities Pvt. Limited on 310 shares across 1 trades, broker 60, Nagarik Stock Dealer Company Ltd. on 285 shares across 3 trades and broker 42, Sani Securities Company Limited on 260 shares across 3 trades.
Largest sellers by volume: broker 14, Nepal Stock House Pvt. Limited on 4,329 shares across 18 trades, broker 41, Linch Stock Market Limited on 1,201 shares across 16 trades, broker 58, Naasa Securities Co. Ltd. on 700 shares across 3 trades, broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 430 shares across 5 trades, broker 29, Trishul Securities And Investment Limited on 296 shares across 3 trades, broker 36, Secured Securities Limited on 295 shares across 3 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 115 shares across 3 trades, broker 67, Property Wizard Limited on 110 shares across 1 trades, broker 94, K.B.L. Securities Limited on 100 shares across 2 trades and broker 48, Trishakti Securities Public Limited on 100 shares across 2 trades.
Life Insurance Corporation (Nepal) Limited most recently declared a 10% bonus share issue for 2081/2082, announced on 2025-06-19. 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 | 10% | 2025-06-19 | |
| 2080/2081 | 10% | 2025-06-19 | |
| 2077/2078 | 20% | 2021-12-24 |
For 2081/2082 Life Insurance Corporation (Nepal) Limited declared a 10% bonus share issue, announced on 2025-06-19.
For 2080/2081 Life Insurance Corporation (Nepal) Limited declared a 10% bonus share issue, announced on 2025-06-19.
For 2077/2078 Life Insurance Corporation (Nepal) Limited declared a 20% bonus share issue, announced on 2021-12-24.
Right issues Life Insurance Corporation (Nepal) Limited has announced. A right share is offered to existing shareholders in proportion to what they already hold.
Annual and special general meetings Life Insurance Corporation (Nepal) 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 LICN, with charts and peer comparison, are free on NepView.
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