NLG Insurance (NLG) share price is Rs. 498.00, up 1.63% on 2026-10-12. Open Rs. 493.00. High Rs. 499.40. Low Rs. 485.00. Volume 1,362.
NLG Insurance Company Ltd. is a NEPSE-listed company (NLG), Non Life Insurance sector. Premium: Rs. 115.96 Crore. Net profit: Rs. 5.78 Crore. Net worth: Rs. 458.31 Crore.
NLG Insurance Company Limited is a non-life (general) insurer based in Lazimpat, Kathmandu, Nepal, and part of the National Life and General Insurance (NLGI) group originally incorporated in 1988. The general insurance business was separated into NLG in 2005 per Nepal Insurance Act requirements. Its lead reinsurer is Hannover Re; strategic stakeholders include National Life Insurance Company and Rastriya Banijya Bank.
NLG Insurance Company Ltd. (NLG) has 2,66,78,334 shares outstanding. It listed on NEPSE in 2013. Its most recent declared dividend was 3.37% on face value.
| Market Cap | Rs. 1,328.58 Crore |
|---|---|
| P/E Ratio | 86.62 |
| P/E Ratio (TTM) | 229.81 |
| EPS | Rs. 5.75 |
| EPS (TTM) | Rs. 2.17 |
| Book Value | Rs. 171.79 |
| Dividend Yield | 0.68% |
| Face Value | Rs. 100.00 |
| 52 Week High | Rs. 759.00 |
| 52 Week Low | Rs. 470.30 |
| Listed Since | 2013 |
What NLG Insurance Company Ltd.'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 NLG Insurance Company Ltd. reported profit of Rs. 2.3 crore and net earned premiums of Rs. 44.51 crore. Profit in Q3 2082/83 was Rs. 2.38 crore. Profit fell 3.21% on the previous quarter. Net earned premiums grew 69.48% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 3.78 crore. Profit fell 39.21% on the same quarter last year. Net earned premiums grew 62.77% on the same quarter last year.
For the financial year 2082/83 NLG Insurance Company Ltd. reported net profit of Rs. 5.78 crore, net earned premiums of Rs. 115.96 crore and net worth of Rs. 458.31 crore. Net profit in 2081/82 was Rs. 15.34 crore. Net profit fell 62.31% on the year. Net earned premiums grew 17.99% on the year.
In the financial year 2082/83, NLG Insurance Company Ltd. reported net earned premiums of Rs. 115.96 crore, other income of Rs. 61.64 crore, total income of Rs. 183.6 crore, net claims incurred of Rs. 106.02 crore, other expenses of Rs. 64.72 crore, total expenses of Rs. 176.49 crore, profit before tax of Rs. 7.11 crore and net profit for the year of Rs. 5.78 crore.
Reported under net earned premiums: gross earned premiums of Rs. 402.57 crore and premiums ceded of Rs. 286.6 crore. Reported under other income: commission income of Rs. 42.49 crore, other direct income of Rs. 2.98 crore and income from investments & loans of Rs. 16.17 crore. Reported under net claims incurred: gross claims paid of Rs. 333.69 crore, claims ceded of Rs. 232.3 crore, gross change in contract liabilities of Rs. 313.71 crore and change in contract liabilities ceded to reinsurers of Rs. 309.08 crore. Reported under other expenses: commission expenses of Rs. 10.6 crore, service fees of Rs. 0.92 crore, other direct expenses of Rs. 0.17 crore, employee benefits expenses of Rs. 35.31 crore, depreciation and amortization expenses of Rs. 3.72 crore, other operating expenses of Rs. 13.14 crore and finance cost of Rs. 0.86 crore. Reported under net profit for the year: income tax expense of Rs. 1.33 crore.
In the financial year 2081/82, NLG Insurance Company Ltd. reported net earned premiums of Rs. 98.28 crore, other income of Rs. 66.23 crore, total income of Rs. 164.52 crore, net claims incurred of Rs. 67.1 crore, other expenses of Rs. 71.42 crore, total expenses of Rs. 138.52 crore, profit before tax of Rs. 26 crore and net profit for the year of Rs. 15.34 crore.
Reported under net earned premiums: gross earned premiums of Rs. 288.64 crore and premiums ceded of Rs. 190.36 crore. Reported under other income: commission income of Rs. 42.79 crore, other direct income of Rs. 2.38 crore, income from investments & loans of Rs. 16.52 crore and other income of Rs. 4.54 crore. Reported under net claims incurred: gross claims paid of Rs. 242.59 crore, claims ceded of Rs. 179.65 crore, gross change in contract liabilities of Rs. 16.97 crore and change in contract liabilities ceded to reinsurers of Rs. 12.81 crore. Reported under other expenses: commission expenses of Rs. 9.1 crore, service fees of Rs. 0.74 crore, other direct expenses of Rs. 1.58 crore, employee benefits expenses of Rs. 34.94 crore, depreciation and amortization expenses of Rs. 3.68 crore, impairment losses of Rs. 4.64 crore, other operating expenses of Rs. 15.88 crore and finance cost of Rs. 0.86 crore. Reported under net profit for the year: income tax expense of Rs. 10.66 crore.
In the financial year 2080/81, NLG Insurance Company Ltd. reported net earned premiums of Rs. 64.06 crore, other income of Rs. 63.06 crore, total income of Rs. 127.11 crore, net claims incurred of Rs. 44.41 crore, other expenses of Rs. 60.11 crore, total expenses of Rs. 104.52 crore, profit before tax of Rs. 22.59 crore and net profit for the year of Rs. 14.7 crore.
Reported under net earned premiums: gross earned premiums of Rs. 246.45 crore and premiums ceded of Rs. 182.39 crore. Reported under other income: commission income of Rs. 32.99 crore, other direct income of Rs. 4.08 crore, income from investments & loans of Rs. 21.96 crore and other income of Rs. 4.02 crore. Reported under net claims incurred: gross claims paid of Rs. 164.26 crore, claims ceded of Rs. 121.44 crore, gross change in contract liabilities of Rs. 59.93 crore and change in contract liabilities ceded to reinsurers of Rs. 58.34 crore. Reported under other expenses: commission expenses of Rs. 6.91 crore, service fees of Rs. 0.55 crore, other direct expenses of Rs. 1.21 crore, employee benefits expenses of Rs. 28.16 crore, depreciation and amortization expenses of Rs. 4.39 crore, impairment losses of Rs. 4.54 crore, other operating expenses of Rs. 13.14 crore and finance cost of Rs. 1.21 crore. Reported under net profit for the year: income tax expense of Rs. 7.89 crore.
In the financial year 2081/82, NLG Insurance Company Ltd. reported total assets of Rs. 875.6 crore, total liabilities of Rs. 417.29 crore and total equity of Rs. 458.31 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.11 crore, property and equipment of Rs. 11.28 crore, deferred tax assets of Rs. 5.98 crore, investments of Rs. 397.79 crore, loans of Rs. 2.94 crore, reinsurance assets of Rs. 256.81 crore, current tax assets of Rs. 11.81 crore, insurance receivables of Rs. 95.02 crore, other assets of Rs. 33.92 crore, other financial assets of Rs. 14.95 crore and cash and cash equivalent of Rs. 45 crore. Reported under total liabilities: provisions of Rs. 12.24 crore, gross insurance contract liabilities of Rs. 332.58 crore, insurance payables of Rs. 8.96 crore, other liabilities of Rs. 5.14 crore and other financial liabilities of Rs. 58.37 crore. Reported under total equity: share capital of Rs. 256.52 crore, share premium of Rs. 27.19 crore, special reserves of Rs. 139.13 crore, catastrophe reserves of Rs. 8.66 crore, retained earnings of Rs. 9.14 crore and other equity of Rs. 17.67 crore.
In the financial year 2080/81, NLG Insurance Company Ltd. reported total assets of Rs. 664.52 crore, total liabilities of Rs. 348.48 crore and total equity of Rs. 316.04 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.09 crore, property and equipment of Rs. 6.9 crore, deferred tax assets of Rs. 8.23 crore, investments of Rs. 297.9 crore, loans of Rs. 1.6 crore, reinsurance assets of Rs. 213.62 crore, current tax assets of Rs. 13.98 crore, insurance receivables of Rs. 51.49 crore, other assets of Rs. 33.84 crore, other financial assets of Rs. 13.47 crore and cash and cash equivalent of Rs. 23.39 crore. Reported under total liabilities: provisions of Rs. 8.83 crore, gross insurance contract liabilities of Rs. 285.45 crore, insurance payables of Rs. 4.8 crore, other liabilities of Rs. 4.22 crore and other financial liabilities of Rs. 45.18 crore. Reported under total equity: share capital of Rs. 153.95 crore, share premium of Rs. 0 crore, special reserves of Rs. 130.21 crore, catastrophe reserves of Rs. 7.77 crore, retained earnings of Rs. 6.72 crore and other equity of Rs. 17.38 crore.
In the financial year 2079/80, NLG Insurance Company Ltd. reported total assets of Rs. 583.76 crore, total liabilities of Rs. 285 crore and total equity of Rs. 298.76 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.11 crore, property and equipment of Rs. 9.79 crore, deferred tax assets of Rs. 6.65 crore, investments of Rs. 247.35 crore, loans of Rs. 2.12 crore, reinsurance assets of Rs. 153.15 crore, current tax assets of Rs. 16.64 crore, insurance receivables of Rs. 71.72 crore, other assets of Rs. 43.07 crore, other financial assets of Rs. 12.68 crore and cash and cash equivalent of Rs. 20.48 crore. Reported under total liabilities: provisions of Rs. 12.62 crore, gross insurance contract liabilities of Rs. 213.64 crore, insurance payables of Rs. 5.69 crore, other liabilities of Rs. 6.28 crore and other financial liabilities of Rs. 46.78 crore. Reported under total equity: share capital of Rs. 145.93 crore, share premium of Rs. 0 crore, special reserves of Rs. 124.37 crore, catastrophe reserves of Rs. 7.18 crore, retained earnings of Rs. 10.06 crore and other equity of Rs. 11.22 crore.
In the financial year 2081/82, NLG Insurance Company Ltd. reported opening cash & cash equivalents of Rs. 23.39 crore, net cash flow from operating activities of Rs. 220.56 crore, net cash flow from investing activities of Rs. 198.62 crore, net cash flow from financing activities of Rs. 0.33 crore, net change in cash of Rs. 21.61 crore and closing cash & cash equivalents of Rs. 45 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 318.81 crore, reinsurance commission received of Rs. 0.17 crore, claim recovery received from reinsurers of Rs. 179.65 crore, other direct income received of Rs. 1.56 crore, gross benefits and claims paid of Rs. 242.59 crore, reinsurance premium paid of Rs. 4.16 crore, commission paid of Rs. 9.48 crore, service fees paid of Rs. 2.39 crore, employee benefits expenses paid of Rs. 31.94 crore, other expenses paid of Rs. 1.64 crore, changes in working capital of Rs. 0 crore and income tax paid of Rs. 4.43 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.04 crore, acquisitions of property & equipment of Rs. 8.05 crore, purchase of equity instruments of Rs. 0 crore, proceeds from sale of equity instruments of Rs. 0 crore, purchase of debentures of Rs. 0 crore, investments in deposits of Rs. 205.72 crore, maturity of deposits of Rs. 0 crore, interest income received of Rs. 16.08 crore and dividend received of Rs. 0.44 crore. Reported under net cash flow from financing activities: proceeds from issue of share capital of Rs. 0 crore and dividend paid of Rs. 0.33 crore.
In the financial year 2080/81, NLG Insurance Company Ltd. reported opening cash & cash equivalents of Rs. 20.48 crore, net cash flow from operating activities of Rs. 224.48 crore, net cash flow from investing activities of Rs. 221.15 crore, net cash flow from financing activities of Rs. 0.42 crore, net change in cash of Rs. 2.91 crore and closing cash & cash equivalents of Rs. 23.39 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 258.33 crore, reinsurance commission received of Rs. 56.14 crore, claim recovery received from reinsurers of Rs. 121.44 crore, other direct income received of Rs. 8.43 crore, gross benefits and claims paid of Rs. 164.26 crore, reinsurance premium paid of Rs. 0.89 crore, commission paid of Rs. 7.61 crore, service fees paid of Rs. 1.94 crore, employee benefits expenses paid of Rs. 25.65 crore, other expenses paid of Rs. 20.58 crore, changes in working capital of Rs. 0 crore and income tax paid of Rs. 1.07 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0 crore, acquisitions of property & equipment of Rs. 1.48 crore, purchase of equity instruments of Rs. 0 crore, proceeds from sale of equity instruments of Rs. 0 crore, purchase of debentures of Rs. 0 crore, investments in deposits of Rs. 242.16 crore, maturity of deposits of Rs. 0 crore, interest income received of Rs. 21.36 crore and dividend received of Rs. 0.61 crore. Reported under net cash flow from financing activities: proceeds from issue of share capital of Rs. 0 crore and dividend paid of Rs. 0.42 crore.
In the financial year 2079/80, NLG Insurance Company Ltd. reported opening cash & cash equivalents of Rs. 17.48 crore, net cash flow from operating activities of Rs. 181.3 crore, net cash flow from investing activities of Rs. 177.6 crore, net cash flow from financing activities of Rs. 0.7 crore, net change in cash of Rs. 3 crore and closing cash & cash equivalents of Rs. 20.48 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 240.61 crore, reinsurance commission received of Rs. 23.41 crore, claim recovery received from reinsurers of Rs. 164.68 crore, other direct income received of Rs. 3.52 crore, gross benefits and claims paid of Rs. 219.03 crore, reinsurance premium paid of Rs. 2.65 crore, commission paid of Rs. 7.35 crore, service fees paid of Rs. 1.98 crore, employee benefits expenses paid of Rs. 25.46 crore, other expenses paid of Rs. 5.96 crore, changes in working capital of Rs. 0 crore and income tax paid of Rs. 1.33 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.05 crore, acquisitions of property & equipment of Rs. 11.01 crore, purchase of equity instruments of Rs. 0 crore, proceeds from sale of equity instruments of Rs. 0 crore, purchase of debentures of Rs. 0 crore, investments in deposits of Rs. 187.58 crore, maturity of deposits of Rs. 0 crore, interest income received of Rs. 20.39 crore and dividend received of Rs. 0.75 crore. Reported under net cash flow from financing activities: proceeds from issue of share capital of Rs. 0 crore and dividend paid of Rs. 0.7 crore.
In the quarter Q4 2082/83, NLG Insurance Company Ltd. reported net earned premiums of Rs. 44.51 crore, other income of Rs. 8.55 crore, total income of Rs. 53.06 crore, net claims incurred of Rs. 32.02 crore, other expenses of Rs. 18.9 crore, total expenses of Rs. 50.92 crore, profit before tax of Rs. 2.14 crore and net profit for the year of Rs. 2.3 crore.
Reported under net earned premiums: gross earned premiums of Rs. 129.58 crore and premiums ceded of Rs. 85.07 crore. Reported under other income: commission income of Rs. 3.01 crore, other direct income of Rs. 1.75 crore and income from investments & loans of Rs. 3.79 crore. Reported under net claims incurred: gross claims paid of Rs. 130.78 crore, claims ceded of Rs. 96.42 crore, gross change in contract liabilities of Rs. 62.68 crore and change in contract liabilities ceded to reinsurers of Rs. 65.02 crore. Reported under other expenses: commission expenses of Rs. 4.56 crore, service fees of Rs. 0.31 crore, other direct expenses of Rs. 0.91 crore, employee benefits expenses of Rs. 8.82 crore, depreciation and amortization expenses of Rs. 0.7 crore, impairment losses of Rs. 0.98 crore, other operating expenses of Rs. 4.23 crore and finance cost of Rs. 0.22 crore. Reported under net profit for the year: income tax expense of Rs. 0.16 crore.
In the quarter Q3 2082/83, NLG Insurance Company Ltd. reported net earned premiums of Rs. 26.26 crore, other income of Rs. 26.04 crore, total income of Rs. 52.3 crore, net claims incurred of Rs. 24.6 crore, other expenses of Rs. 24.3 crore, total expenses of Rs. 48.91 crore, profit before tax of Rs. 3.4 crore and net profit for the year of Rs. 2.38 crore.
Reported under net earned premiums: gross earned premiums of Rs. 109.38 crore and premiums ceded of Rs. 83.12 crore. Reported under other income: commission income of Rs. 19.11 crore, other direct income of Rs. 0.46 crore, income from investments & loans of Rs. 3.86 crore and other income of Rs. 2.6 crore. Reported under net claims incurred: gross claims paid of Rs. 70.45 crore, claims ceded of Rs. 41.97 crore, gross change in contract liabilities of Rs. 74.85 crore and change in contract liabilities ceded to reinsurers of Rs. 70.97 crore. Reported under other expenses: commission expenses of Rs. 2.79 crore, service fees of Rs. 0.09 crore, other direct expenses of Rs. 0.97 crore, employee benefits expenses of Rs. 10.61 crore, depreciation and amortization expenses of Rs. 1.18 crore, impairment losses of Rs. 4.77 crore, other operating expenses of Rs. 3.67 crore and finance cost of Rs. 0.22 crore. Reported under net profit for the year: income tax expense of Rs. 1.02 crore.
In the quarter Q2 2082/83, NLG Insurance Company Ltd. reported net earned premiums of Rs. 27.62 crore, other income of Rs. 11.21 crore, total income of Rs. 38.83 crore, net claims incurred of Rs. 11.45 crore, other expenses of Rs. 10.94 crore, total expenses of Rs. 22.39 crore, profit before tax of Rs. 16.44 crore and net profit for the year of Rs. 11.21 crore.
Reported under net earned premiums: gross earned premiums of Rs. 81.39 crore and premiums ceded of Rs. 53.77 crore. Reported under other income: commission income of Rs. 9.36 crore, other direct income of Rs. 0.44 crore, income from investments & loans of Rs. 3.83 crore and other income of Rs. 2.41 crore. Reported under net claims incurred: gross claims paid of Rs. 68.23 crore, claims ceded of Rs. 48.25 crore, gross change in contract liabilities of Rs. 186.42 crore and change in contract liabilities ceded to reinsurers of Rs. 194.95 crore. Reported under other expenses: commission expenses of Rs. 1.04 crore, service fees of Rs. 0.24 crore, other direct expenses of Rs. 0.03 crore, employee benefits expenses of Rs. 6.04 crore, depreciation and amortization expenses of Rs. 0.67 crore, other operating expenses of Rs. 2.83 crore and finance cost of Rs. 0.1 crore. Reported under net profit for the year: income tax expense of Rs. 5.23 crore.
In the quarter Q1 2082/83, NLG Insurance Company Ltd. reported net earned premiums of Rs. 17.58 crore, other income of Rs. 21.83 crore, total income of Rs. 39.41 crore, net claims incurred of Rs. 37.94 crore, other expenses of Rs. 16.33 crore, total expenses of Rs. 54.27 crore, profit before tax of Rs. 14.86 crore and net profit for the year of Rs. 10.11 crore.
Reported under net earned premiums: gross earned premiums of Rs. 82.22 crore and premiums ceded of Rs. 64.64 crore. Reported under other income: commission income of Rs. 11.01 crore, other direct income of Rs. 0.33 crore, income from investments & loans of Rs. 4.69 crore and other income of Rs. 5.8 crore. Reported under net claims incurred: gross claims paid of Rs. 64.23 crore, claims ceded of Rs. 45.67 crore, gross change in contract liabilities of Rs. 139.46 crore and change in contract liabilities ceded to reinsurers of Rs. 120.07 crore. Reported under other expenses: commission expenses of Rs. 2.21 crore, service fees of Rs. 0.28 crore, other direct expenses of Rs. 0.08 crore, employee benefits expenses of Rs. 9.84 crore, depreciation and amortization expenses of Rs. 1.17 crore, other operating expenses of Rs. 2.41 crore and finance cost of Rs. 0.33 crore. Reported under net profit for the year: income tax expense of Rs. 4.76 crore.
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|---|---|---|---|---|---|
| Net Earned Premiums | 116 | 98.3 | 64.1 | 73.8 | 66.9 | 66.5 |
| Gross Earned Premiums | 403 | 289 | 246 | 232 | 220 | 205 |
| Premiums Ceded | -287 | -190 | -182 | -159 | -153 | -139 |
| Other Income | 61.6 | 66.2 | 63.1 | 61.2 | 57.3 | 55.9 |
| Commission Income | 42.5 | 42.8 | 33.0 | 35.4 | 34.0 | 33.7 |
| Other Direct Income | 3.0 | 2.4 | 4.1 | 1.2 | 2.3 | 0.00 |
| Income from Investments & Loans | 16.2 | 16.5 | 22.0 | 21.1 | 19.9 | 19.4 |
| Other Income | Not reported | 4.5 | 4.0 | 3.4 | 1.1 | 2.9 |
| Total Income | 184 | 165 | 127 | 135 | 124 | 122 |
| Net Claims Incurred | -106 | -67.1 | -44.4 | -47.1 | -51.2 | -55.8 |
| Gross Claims Paid | -334 | -243 | -164 | -219 | -194 | -132 |
| Claims Ceded | 232 | 180 | 121 | 165 | 136 | 86.3 |
| Gross Change in Contract Liabilities | -314 | -17.0 | -59.9 | 44.1 | -12.7 | -40.4 |
| Change in Contract Liabilities Ceded to Reinsurers | 309 | 12.8 | 58.3 | -36.8 | 19.6 | 30.1 |
| Other Expenses | -64.7 | -71.4 | -60.1 | -56.9 | -43.8 | -41.6 |
| Commission Expenses | -10.6 | -9.1 | -6.9 | -8.2 | -8.5 | -6.3 |
| Service Fees | -0.92 | -0.74 | -0.55 | -0.62 | -0.67 | -0.69 |
| Other Direct Expenses | -0.17 | -1.6 | -1.2 | -0.78 | -0.95 | 0.00 |
| Employee Benefits Expenses | -35.3 | -34.9 | -28.2 | -28.9 | -26.6 | -22.0 |
| Depreciation and Amortization Expenses | -3.7 | -3.7 | -4.4 | -4.9 | -0.91 | -0.57 |
| Impairment Losses | Not reported | -4.6 | -4.5 | -2.8 | 4.2 | -2.4 |
| Other Operating Expenses | -13.1 | -15.9 | -13.1 | -9.9 | -10.4 | -9.6 |
| Finance Cost | -0.86 | -0.86 | -1.2 | -0.88 | 0.00 | 0.00 |
| Total Expenses | -176 | -139 | -105 | -104 | -95.0 | -97.4 |
| Profit Before Tax | 7.1 | 26.0 | 22.6 | 30.9 | 29.1 | 25.0 |
| Net Profit for the Year | 5.8 | 15.3 | 14.7 | 20.8 | 21.2 | 16.0 |
| Income Tax Expense | -1.3 | -10.7 | -7.9 | -10.1 | -8.0 | -9.0 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|---|---|---|---|---|
| Total Assets | 876 | 665 | 584 | 583 | 536 |
| Goodwill & Intangible Assets | 0.11 | 0.09 | 0.11 | 0.07 | 0.08 |
| Property and Equipment | 11.3 | 6.9 | 9.8 | 3.6 | 2.1 |
| Deferred Tax Assets | 6.0 | 8.2 | 6.6 | 3.9 | 4.0 |
| Investments | 398 | 298 | 247 | 240 | 257 |
| Loans | 2.9 | 1.6 | 2.1 | 2.0 | 1.7 |
| Reinsurance Assets | 257 | 214 | 153 | 182 | 147 |
| Current Tax Assets | 11.8 | 14.0 | 16.6 | 20.7 | 17.4 |
| Insurance Receivables | 95.0 | 51.5 | 71.7 | 60.6 | 27.9 |
| Other Assets | 33.9 | 33.8 | 43.1 | 40.5 | 40.9 |
| Other Financial Assets | 15.0 | 13.5 | 12.7 | 11.7 | 5.6 |
| Cash and Cash Equivalent | 45.0 | 23.4 | 20.5 | 17.5 | 32.7 |
| Total Liabilities | 417 | 348 | 285 | 302 | 275 |
| Provisions | 12.2 | 8.8 | 12.6 | 11.4 | 11.4 |
| Gross Insurance Contract Liabilities | 333 | 285 | 214 | 250 | 221 |
| Insurance Payables | 9.0 | 4.8 | 5.7 | 3.0 | 8.4 |
| Other Liabilities | 5.1 | 4.2 | 6.3 | 5.7 | 28.2 |
| Other Financial Liabilities | 58.4 | 45.2 | 46.8 | 32.6 | 6.2 |
| Total Equity | 458 | 316 | 299 | 280 | 261 |
| Share Capital | 257 | 154 | 146 | 133 | 110 |
| Share Premium | 27.2 | 0.00 | 0.00 | 4.7 | 4.7 |
| Special Reserves | 139 | 130 | 124 | 0.00 | 103 |
| Catastrophe Reserves | 8.7 | 7.8 | 7.2 | 6.3 | 5.1 |
| Retained Earnings | 9.1 | 6.7 | 10.1 | 11.4 | 25.6 |
| Other Equity | 17.7 | 17.4 | 11.2 | 125 | 13.0 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 23.4 | 20.5 | 17.5 | 32.7 | 39.4 |
| Net Cash Flow from Operating Activities | 221 | 224 | 181 | -48.8 | 8.5 |
| Gross Premium Received | 319 | 258 | 241 | 236 | 212 |
| Reinsurance Commission Received | -0.17 | 56.1 | 23.4 | 38.4 | 30.4 |
| Claim Recovery Received from Reinsurers | 180 | 121 | 165 | 136 | 86.3 |
| Other Direct Income Received | -1.6 | 8.4 | -3.5 | 3.3 | 2.9 |
| Gross Benefits and Claims Paid | -243 | -164 | -219 | -194 | -132 |
| Reinsurance Premium Paid | 4.2 | -0.89 | 2.7 | -169 | -143 |
| Commission Paid | -9.5 | -7.6 | -7.4 | -7.9 | -6.7 |
| Service Fees Paid | -2.4 | -1.9 | -2.0 | -2.1 | -1.8 |
| Employee Benefits Expenses Paid | -31.9 | -25.7 | -25.5 | -26.6 | -22.0 |
| Other Expenses Paid | 1.6 | -20.6 | 6.0 | -11.3 | -9.6 |
| Changes in Working Capital | 0.00 | 0.00 | 0.00 | -46.6 | 0.17 |
| Income Tax Paid | 4.4 | 1.1 | 1.3 | -4.9 | -8.1 |
| Net Cash Flow from Investing Activities | -199 | -221 | -178 | 21.5 | -28.3 |
| Acquisitions of Intangible Assets | -0.04 | 0.00 | -0.05 | -0.01 | 0.03 |
| Acquisitions of Property & Equipment | -8.0 | -1.5 | -11.0 | -2.5 | 0.43 |
| Purchase of Equity Instruments | 0.00 | 0.00 | 0.00 | -54.8 | -54.8 |
| Proceeds from Sale of Equity Instruments | 0.00 | 0.00 | 0.00 | 55.1 | 55.1 |
| Purchase of Debentures | 0.00 | 0.00 | 0.00 | -10.7 | -10.7 |
| Investments in Deposits | -206 | -242 | -188 | -250 | -250 |
| Maturity of Deposits | 0.00 | 0.00 | 0.00 | 222 | 222 |
| Interest Income Received | 16.1 | 21.4 | 20.4 | 0.00 | 0.00 |
| Dividend Received | 0.44 | 0.61 | 0.75 | 0.00 | 0.00 |
| Net Cash Flow from Financing Activities | -0.33 | -0.42 | -0.70 | 12.1 | 13.1 |
| Proceeds from Issue of Share Capital | 0.00 | 0.00 | 0.00 | 23.0 | 13.4 |
| Dividend Paid | -0.33 | -0.42 | -0.70 | -11.0 | -0.38 |
| Net Change in Cash | 21.6 | 2.9 | 3.0 | -15.2 | -6.7 |
| Closing Cash & Cash Equivalents | 45.0 | 23.4 | 20.5 | 17.5 | 32.7 |
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 | 44.5 | 26.3 | 27.6 | 17.6 | 27.3 | 22.2 | 30.8 | 13.5 | 24.6 |
| Gross Earned Premiums | 130 | 109 | 81.4 | 82.2 | 93.0 | 63.9 | 66.2 | 57.5 | 84.0 |
| Premiums Ceded | -85.1 | -83.1 | -53.8 | -64.6 | -65.7 | -41.7 | -35.4 | -44.0 | -59.3 |
| Other Income | 8.5 | 26.0 | 11.2 | 21.8 | 21.1 | 15.0 | 5.1 | 17.6 | 21.7 |
| Commission Income | 3.0 | 19.1 | 9.4 | 11.0 | 14.0 | 10.7 | 2.2 | 10.1 | 12.5 |
| Other Direct Income | 1.7 | 0.46 | 0.44 | 0.33 | 2.1 | 0.65 | 0.33 | 0.26 | 1.5 |
| Income from Investments & Loans | 3.8 | 3.9 | 3.8 | 4.7 | 2.7 | 3.6 | 2.6 | 7.2 | 4.9 |
| Net Realised Gains/(Losses) | Not reported | Not reported | Not reported | Not reported | 0.99 | Not reported | Not reported | Not reported | Not reported |
| Other Income | Not reported | 2.6 | -2.4 | 5.8 | 1.3 | Not reported | Not reported | Not reported | 2.8 |
| Total Income | 53.1 | 52.3 | 38.8 | 39.4 | 48.4 | 37.2 | 35.9 | 31.1 | 46.3 |
| Net Claims Incurred | -32.0 | -24.6 | -11.4 | -37.9 | -20.7 | -13.3 | -20.9 | -10.5 | -7.5 |
| Gross Claims Paid | -131 | -70.5 | -68.2 | -64.2 | -66.9 | -48.2 | -87.4 | -35.5 | -50.7 |
| Claims Ceded | 96.4 | 42.0 | 48.2 | 45.7 | 48.2 | 32.7 | 71.8 | 26.6 | 36.3 |
| Gross Change in Contract Liabilities | -62.7 | 74.9 | -186 | -139 | -22.4 | 48.8 | 21.1 | -74.9 | 6.9 |
| Change in Contract Liabilities Ceded to Reinsurers | 65.0 | -71.0 | 195 | 120 | 20.4 | -46.6 | -26.4 | 73.3 | 0.00 |
| Other Expenses | -18.9 | -24.3 | -10.9 | -16.3 | -21.3 | -17.3 | -11.3 | -13.4 | -17.1 |
| Commission Expenses | -4.6 | -2.8 | -1.0 | -2.2 | -2.7 | -2.0 | -1.2 | -1.5 | -2.5 |
| Service Fees | -0.31 | -0.09 | -0.24 | -0.28 | -0.08 | -0.23 | -0.23 | -0.23 | -0.12 |
| Other Direct Expenses | 0.91 | -0.97 | -0.03 | -0.08 | -1.0 | -0.20 | -0.07 | -0.00 | -0.10 |
| Employee Benefits Expenses | -8.8 | -10.6 | -6.0 | -9.8 | -11.0 | -8.8 | -5.4 | -8.0 | -9.1 |
| Depreciation and Amortization Expenses | -0.70 | -1.2 | -0.67 | -1.2 | -1.2 | -3.0 | -0.24 | -0.24 | -0.26 |
| Impairment Losses | -0.98 | -4.8 | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | 0.12 |
| Other Operating Expenses | -4.2 | -3.7 | -2.8 | -2.4 | -4.8 | -2.1 | -4.1 | -3.3 | -5.1 |
| Finance Cost | -0.22 | -0.22 | -0.10 | -0.33 | -0.42 | -0.91 | Not reported | Not reported | Not reported |
| Total Expenses | -50.9 | -48.9 | -22.4 | -54.3 | -42.0 | -30.6 | -32.2 | -23.8 | -24.6 |
| Profit Before Tax | 2.1 | 3.4 | 16.4 | -14.9 | 6.4 | 6.6 | 3.7 | 7.3 | 21.8 |
| Net Profit for the Year | 2.3 | 2.4 | 11.2 | -10.1 | 3.8 | 4.9 | 2.6 | 4.9 | 11.7 |
| Income Tax Expense | 0.16 | -1.0 | -5.2 | 4.8 | -2.6 | -1.7 | -1.2 | -2.4 | -10.1 |
Over the last 15 trading sessions NLG closed between Rs. 485.00 and Rs. 530.00, finishing at Rs. 498.00 on 2026-10-12 against Rs. 530.00 on 2026-09-18.
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| 2026-10-12 | 493.00 | 499.40 | 485.00 | 498.00 | 1,362 |
| 2026-10-09 | 490.00 | 500.00 | 481.30 | 490.00 | 6,331 |
| 2026-10-08 | 490.00 | 496.00 | 482.20 | 489.50 | 9,509 |
| 2026-10-07 | 486.00 | 491.90 | 481.00 | 485.00 | 4,760 |
| 2026-10-06 | 493.00 | 495.00 | 487.00 | 489.80 | 1,854 |
| 2026-10-05 | 470.30 | 498.00 | 470.30 | 493.00 | 3,471 |
| 2026-10-02 | 502.90 | 504.90 | 491.00 | 495.00 | 6,210 |
| 2026-10-01 | 505.00 | 509.00 | 496.10 | 502.90 | 7,159 |
| 2026-09-30 | 518.00 | 518.00 | 503.20 | 505.00 | 4,814 |
| 2026-09-29 | 501.10 | 508.00 | 501.10 | 503.00 | 9,807 |
| 2026-09-28 | 503.00 | 518.00 | 498.00 | 504.90 | 11,750 |
| 2026-09-24 | 492.10 | 517.00 | 492.10 | 512.00 | 5,712 |
| 2026-09-23 | 539.00 | 539.00 | 511.10 | 518.00 | 8,127 |
| 2026-09-22 | 535.00 | 535.80 | 520.10 | 526.00 | 7,222 |
| 2026-09-18 | 530.00 | 537.00 | 523.10 | 530.00 | 13,283 |
2026, between Rs. 470.30 and Rs. 759.00, 2025, between Rs. 634.62 and Rs. 1,121.01, 2024, between Rs. 448.88 and Rs. 943.43, 2023, between Rs. 307.11 and Rs. 550.27, 2022, between Rs. 246.44 and Rs. 497.56 and 2021, between Rs. 338.57 and Rs. 620.49.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|---|---|---|
| 2026 | 470.30 | 759.00 | 181 |
| 2025 | 634.62 | 1,121.01 | 225 |
| 2024 | 448.88 | 943.43 | 232 |
| 2023 | 307.11 | 550.27 | 227 |
| 2022 | 246.44 | 497.56 | 242 |
| 2021 | 338.57 | 620.49 | 239 |
| 2020 | 193.33 | 364.87 | 182 |
| 2019 | 166.21 | 270.87 | 241 |
| 2018 | 220.94 | 321.28 | 232 |
| 2017 | 203.37 | 393.29 | 229 |
| 2016 | 167.26 | 419.22 | 231 |
| 2015 | 114.52 | 167.57 | 167 |
At Rs. 498.00 on 2026-10-12, NLG is up 1.01% over 1 week, down 3.58% over 1 month, down 13.39% over 3 months, down 21.20% over 6 months, down 26.54% over 1 year and up 14.65% 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 | +1.01% | 493.00 | 2026-10-05 |
| 1 month | -3.58% | 516.50 | 2026-09-11 |
| 3 months | -13.39% | 575.00 | 2026-07-14 |
| 6 months | -21.20% | 632.00 | 2026-04-15 |
| 1 year | -26.54% | 677.88 | 2025-10-12 |
| 5 years | +14.65% | 434.36 | 2021-10-11 |
NLG traded 26 times on 2026-10-12, moving 1,362 shares for Rs. 0.07 crore of turnover. Trades went through between Rs. 474.20 and Rs. 499.40.
Largest buyers by volume: broker 58, Naasa Securities Co. Ltd. on 520 shares across 7 trades, broker 22, Siprabi Securities Pvt. Limited on 300 shares across 2 trades, broker 62, Capital Max Securities Limited on 240 shares across 5 trades, broker 19, Nepal Investment & Securities Trading Pvt. Limited on 150 shares across 1 trades, broker 49, Online Securities Limited on 49 shares across 2 trades, broker 34, Vision Securities Pvt.Limited on 40 shares across 3 trades, broker 51, Oxford Securities Pvt.Ltd on 25 shares across 1 trades, broker 13, Thrive Brokerage House Pvt. Limited on 18 shares across 1 trades, broker 100, Sunrise Securities Limited on 11 shares across 2 trades and broker 1, Kumari Securities Pvt. Limited on 7 shares across 1 trades.
Largest sellers by volume: broker 28, Shree Krishna Securities Limited on 330 shares across 5 trades, broker 65, Sharepro Securities Private Limited on 200 shares across 1 trades, broker 25, Sweta Securities Pvt. Limited on 200 shares across 1 trades, broker 43, South Asian Bulls Pvt.Limited on 180 shares across 1 trades, broker 48, Trishakti Securities Public Limited on 178 shares across 1 trades, broker 45, Imperial Securities Co. Limited on 74 shares across 3 trades, broker 33, Dakshinkali Investment Securities Pvt.Limited on 55 shares across 1 trades, broker 96, Himalayan Securities Limited on 40 shares across 4 trades, broker 19, Nepal Investment & Securities Trading Pvt. Limited on 25 shares across 1 trades and broker 49, Online Securities Limited on 20 shares across 2 trades.
NLG Insurance Company Ltd. most recently declared a 4% bonus share issue and a 3.3684% cash dividend, 7.3684% in total for 2081/2082, announced on 2025-12-23. 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 | 4% | 3.3684% | 2025-12-23 |
| 2080/2081 | 2.5% | 2025-05-16 | |
| 2079/2080 | 5.5% | 2024-01-21 | |
| 2078/2079 | 10% | 2023-03-09 | |
| 2077/2078 | 10% | 2022-01-28 |
For 2081/2082 NLG Insurance Company Ltd. declared a 4% bonus share issue and a 3.3684% cash dividend, 7.3684% in total, announced on 2025-12-23.
For 2080/2081 NLG Insurance Company Ltd. declared a 2.5% bonus share issue, announced on 2025-05-16.
For 2079/2080 NLG Insurance Company Ltd. declared a 5.5% bonus share issue, announced on 2024-01-21.
For 2078/2079 NLG Insurance Company Ltd. declared a 10% bonus share issue, announced on 2023-03-09.
For 2077/2078 NLG Insurance Company Ltd. declared a 10% bonus share issue, announced on 2022-01-28.
Right issues NLG Insurance Company Ltd. has announced. A right share is offered to existing shareholders in proportion to what they already hold.
Annual and special general meetings NLG Insurance Company Ltd. 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 NLG, with charts and peer comparison, are free on NepView.
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