NLG Insurance Company Ltd. (NLG) Share Price & Fundamentals

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.

About NLG Insurance Company Ltd.

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.

NLG key metrics

Market CapRs. 1,328.58 Crore
P/E Ratio86.62
P/E Ratio (TTM)229.81
EPSRs. 5.75
EPS (TTM)Rs. 2.17
Book ValueRs. 171.79
Dividend Yield0.68%
Face ValueRs. 100.00
52 Week HighRs. 759.00
52 Week LowRs. 470.30
Listed Since2013

NLG strengths

What NLG Insurance Company Ltd.'s own accounts show in its favour, graded against the rest of its sector.

NLG weaknesses

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

NLG Q4 2082/83 results

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.

NLG annual results 2082/83

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.

NLG profit and loss for 2082/83

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.

NLG profit and loss for 2081/82

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.

NLG profit and loss for 2080/81

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.

NLG balance sheet for 2081/82

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.

NLG balance sheet for 2080/81

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.

NLG balance sheet for 2079/80

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.

NLG cash flow for 2081/82

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.

NLG cash flow for 2080/81

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.

NLG cash flow for 2079/80

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.

NLG quarterly for Q4 2082/83

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.

NLG quarterly for Q3 2082/83

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.

NLG quarterly for Q2 2082/83

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.

NLG quarterly for Q1 2082/83

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.

NLG Profit & Loss

Values in Rs. Crore unless stated otherwise.

Particulars2082/832081/822080/812079/802078/792077/78
Net Earned Premiums11698.364.173.866.966.5
   Gross Earned Premiums403289246232220205
   Premiums Ceded-287-190-182-159-153-139
Other Income61.666.263.161.257.355.9
   Commission Income42.542.833.035.434.033.7
   Other Direct Income3.02.44.11.22.30.00
   Income from Investments & Loans16.216.522.021.119.919.4
   Other IncomeNot reported4.54.03.41.12.9
Total Income184165127135124122
Net Claims Incurred-106-67.1-44.4-47.1-51.2-55.8
   Gross Claims Paid-334-243-164-219-194-132
   Claims Ceded23218012116513686.3
   Gross Change in Contract Liabilities-314-17.0-59.944.1-12.7-40.4
   Change in Contract Liabilities Ceded to Reinsurers30912.858.3-36.819.630.1
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-0.17-1.6-1.2-0.78-0.950.00
   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 LossesNot reported-4.6-4.5-2.84.2-2.4
   Other Operating Expenses-13.1-15.9-13.1-9.9-10.4-9.6
   Finance Cost-0.86-0.86-1.2-0.880.000.00
Total Expenses-176-139-105-104-95.0-97.4
Profit Before Tax7.126.022.630.929.125.0
Net Profit for the Year5.815.314.720.821.216.0
   Income Tax Expense-1.3-10.7-7.9-10.1-8.0-9.0

NLG Balance Sheet

Values in Rs. Crore unless stated otherwise.

Particulars2081/822080/812079/802078/792077/78
Total Assets876665584583536
   Goodwill & Intangible Assets0.110.090.110.070.08
   Property and Equipment11.36.99.83.62.1
   Deferred Tax Assets6.08.26.63.94.0
   Investments398298247240257
   Loans2.91.62.12.01.7
   Reinsurance Assets257214153182147
   Current Tax Assets11.814.016.620.717.4
   Insurance Receivables95.051.571.760.627.9
   Other Assets33.933.843.140.540.9
   Other Financial Assets15.013.512.711.75.6
   Cash and Cash Equivalent45.023.420.517.532.7
Total Liabilities417348285302275
   Provisions12.28.812.611.411.4
   Gross Insurance Contract Liabilities333285214250221
   Insurance Payables9.04.85.73.08.4
   Other Liabilities5.14.26.35.728.2
   Other Financial Liabilities58.445.246.832.66.2
Total Equity458316299280261
   Share Capital257154146133110
   Share Premium27.20.000.004.74.7
   Special Reserves1391301240.00103
   Catastrophe Reserves8.77.87.26.35.1
   Retained Earnings9.16.710.111.425.6
   Other Equity17.717.411.212513.0

NLG Cash Flow

Values in Rs. Crore unless stated otherwise.

Particulars2081/822080/812079/802078/792077/78
Opening Cash & Cash Equivalents23.420.517.532.739.4
Net Cash Flow from Operating Activities221224181-48.88.5
   Gross Premium Received319258241236212
   Reinsurance Commission Received-0.1756.123.438.430.4
   Claim Recovery Received from Reinsurers18012116513686.3
   Other Direct Income Received-1.68.4-3.53.32.9
   Gross Benefits and Claims Paid-243-164-219-194-132
   Reinsurance Premium Paid4.2-0.892.7-169-143
   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 Paid1.6-20.66.0-11.3-9.6
   Changes in Working Capital0.000.000.00-46.60.17
   Income Tax Paid4.41.11.3-4.9-8.1
Net Cash Flow from Investing Activities-199-221-17821.5-28.3
   Acquisitions of Intangible Assets-0.040.00-0.05-0.010.03
   Acquisitions of Property & Equipment-8.0-1.5-11.0-2.50.43
   Purchase of Equity Instruments0.000.000.00-54.8-54.8
   Proceeds from Sale of Equity Instruments0.000.000.0055.155.1
   Purchase of Debentures0.000.000.00-10.7-10.7
   Investments in Deposits-206-242-188-250-250
   Maturity of Deposits0.000.000.00222222
   Interest Income Received16.121.420.40.000.00
   Dividend Received0.440.610.750.000.00
Net Cash Flow from Financing Activities-0.33-0.42-0.7012.113.1
   Proceeds from Issue of Share Capital0.000.000.0023.013.4
   Dividend Paid-0.33-0.42-0.70-11.0-0.38
Net Change in Cash21.62.93.0-15.2-6.7
Closing Cash & Cash Equivalents45.023.420.517.532.7

NLG 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 Premiums44.526.327.617.627.322.230.813.524.6
   Gross Earned Premiums13010981.482.293.063.966.257.584.0
   Premiums Ceded-85.1-83.1-53.8-64.6-65.7-41.7-35.4-44.0-59.3
Other Income8.526.011.221.821.115.05.117.621.7
   Commission Income3.019.19.411.014.010.72.210.112.5
   Other Direct Income1.70.460.440.332.10.650.330.261.5
   Income from Investments & Loans3.83.93.84.72.73.62.67.24.9
   Net Realised Gains/(Losses)Not reportedNot reportedNot reportedNot reported0.99Not reportedNot reportedNot reportedNot reported
   Other IncomeNot reported2.6-2.45.81.3Not reportedNot reportedNot reported2.8
Total Income53.152.338.839.448.437.235.931.146.3
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 Ceded96.442.048.245.748.232.771.826.636.3
   Gross Change in Contract Liabilities-62.774.9-186-139-22.448.821.1-74.96.9
   Change in Contract Liabilities Ceded to Reinsurers65.0-71.019512020.4-46.6-26.473.30.00
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 Expenses0.91-0.97-0.03-0.08-1.0-0.20-0.07-0.00-0.10
   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-0.98-4.8Not reportedNot reportedNot reportedNot reportedNot reportedNot reported0.12
   Other Operating Expenses-4.2-3.7-2.8-2.4-4.8-2.1-4.1-3.3-5.1
   Finance Cost-0.22-0.22-0.10-0.33-0.42-0.91Not reportedNot reportedNot reported
Total Expenses-50.9-48.9-22.4-54.3-42.0-30.6-32.2-23.8-24.6
Profit Before Tax2.13.416.4-14.96.46.63.77.321.8
Net Profit for the Year2.32.411.2-10.13.84.92.64.911.7
   Income Tax Expense0.16-1.0-5.24.8-2.6-1.7-1.2-2.4-10.1

NLG Insurance share price history

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.

DateOpenHighLowCloseVolume
2026-10-12493.00499.40485.00498.001,362
2026-10-09490.00500.00481.30490.006,331
2026-10-08490.00496.00482.20489.509,509
2026-10-07486.00491.90481.00485.004,760
2026-10-06493.00495.00487.00489.801,854
2026-10-05470.30498.00470.30493.003,471
2026-10-02502.90504.90491.00495.006,210
2026-10-01505.00509.00496.10502.907,159
2026-09-30518.00518.00503.20505.004,814
2026-09-29501.10508.00501.10503.009,807
2026-09-28503.00518.00498.00504.9011,750
2026-09-24492.10517.00492.10512.005,712
2026-09-23539.00539.00511.10518.008,127
2026-09-22535.00535.80520.10526.007,222
2026-09-18530.00537.00523.10530.0013,283

NLG share price by year

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.

YearLow (Rs.)High (Rs.)Sessions
2026470.30759.00181
2025634.621,121.01225
2024448.88943.43232
2023307.11550.27227
2022246.44497.56242
2021338.57620.49239
2020193.33364.87182
2019166.21270.87241
2018220.94321.28232
2017203.37393.29229
2016167.26419.22231
2015114.52167.57167

NLG Insurance share price returns

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.

PeriodReturnFrom price (Rs.)From date
1 week+1.01%493.002026-10-05
1 month-3.58%516.502026-09-11
3 months-13.39%575.002026-07-14
6 months-21.20%632.002026-04-15
1 year-26.54%677.882025-10-12
5 years+14.65%434.362021-10-11

NLG floorsheet for 2026-10-12

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 dividend history: bonus shares and cash dividend

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 yearBonus shareCash dividendAnnounced
2081/20824%3.3684%2025-12-23
2080/20812.5%2025-05-16
2079/20805.5%2024-01-21
2078/207910%2023-03-09
2077/207810%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.

NLG right share issues

Right issues NLG Insurance Company Ltd. has announced. A right share is offered to existing shareholders in proportion to what they already hold.

NLG general meetings

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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