Nepal Life Insurance Co. Ltd. (NLIC) Share Price & Fundamentals
Nepal Life Insurance (NLIC) share price is Rs. 755.00, up 2.72% on 2026-09-22. Open Rs. 730.00. High Rs. 755.00. Low Rs. 726.00. Volume 54,354.
Nepal Life Insurance Co. Ltd. is a NEPSE-listed company (NLIC), Life Insurance sector. Premium: Rs. 5,345.4 Crore. Net profit: Rs. 47.28 Crore. Net worth: Rs. 1,301.28 Crore.
About Nepal Life Insurance Co. Ltd.
Nepal Life Insurance Co. Ltd. (NLIC) has 9,48,02,014 shares outstanding. Its most recent declared dividend was 16.05% on face value.
NLIC key metrics
NLIC strengths
What Nepal Life Insurance Co. Ltd.'s own accounts show in its favour, graded against the rest of its sector.
- 185.8% of premiums come from customers renewing, which is steady, repeat income. (Premium Growth & Book Quality)
- New policies sold grew 33.6% on last year, so the sales side is working. (Premium Growth & Book Quality)
- Earns 17.7% a year on the money shareholders put in, which is the return owners receive. (Profitability)
- Running costs take only 13.8% of premiums, so the business is efficiently run. (Expense Efficiency)
- Keeps 98.9% of the risk it takes on rather than passing it to another insurer. (Claims & Underwriting)
- 92.8% of what it owns is set aside to pay policyholders, a strong backing. (Reserving & Liability Strength)
- Premiums collected grew 12.1% on last year, so the insurer is writing more business. (Premium Growth & Book Quality)
- 84.5% of investments are long term, which matches the decades-long promises it has made. (Investment Performance)
- Agent commissions take only 7.7% of premiums, so selling costs are controlled. (Expense Efficiency)
- Earns 8.6% on the money it holds for policyholders, so the funds are well invested. (Investment Performance)
- The fund set aside for policyholders grew 17.1%, so future claims are better covered. (Reserving & Liability Strength)
- The average policy is worth Rs 24115.38, so it is winning larger customers. (Premium Growth & Book Quality)
- The company grew 17.8% bigger over the year. (Shareholder Returns)
NLIC weaknesses
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
- 117.6% of premiums go out as claims, which leaves little margin on the policies sold. (Claims & Underwriting)
- Only 0.6% of income becomes profit once costs are paid. (Profitability)
- Each share earned only Rs 4.99 of profit over the year. (Shareholder Returns)
- Holds 1.54x of the required safety capital, close to the 1.5 times the regulator sets. (Solvency)
- The number of live policies moved -3.1%, so the customer base is not growing. (Premium Growth & Book Quality)
- Only 5.2% of what it owns belongs to shareholders, so there is less cushion for losses. (Solvency)
- Earns only 0.9% a year on everything it owns, so its money is not working hard. (Profitability)
- Only 22.4% of income comes from investments, so it depends on premiums alone. (Investment Performance)
NLIC Q4 2082/83 results
In Q4 2082/83 Nepal Life Insurance Co. Ltd. reported a loss of Rs. 0.44 crore and net earned premiums of Rs. 1,674.87 crore. Profit in Q3 2082/83 was Rs. 13.97 crore. Profit turned from a profit to a loss on the previous quarter. Net earned premiums grew 49.88% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was a loss of Rs. 4.07 crore. The loss narrowed 89.29% on the same quarter last year. Net earned premiums grew 10.48% on the same quarter last year.
NLIC annual results 2082/83
For the financial year 2082/83 Nepal Life Insurance Co. Ltd. reported net profit of Rs. 47.28 crore, net earned premiums of Rs. 5,345.4 crore and net worth of Rs. 1,301.28 crore. Net profit in 2081/82 was Rs. 233.54 crore. Net profit fell 79.76% on the year. Net earned premiums grew 12.08% on the year.
NLIC profit and loss for 2082/83
In the financial year 2082/83, Nepal Life Insurance Co. Ltd. reported net earned premiums of Rs. 5,345.4 crore, other income of Rs. 2,091.08 crore, total income of Rs. 7,440.61 crore, net benefits and claims paid of Rs. 6,284.27 crore, other expenses of Rs. 800.25 crore, total expenses of Rs. 7,082.11 crore, profit before tax of Rs. 370.51 crore and net profit for the year of Rs. 47.28 crore.
Reported under net earned premiums: gross earned premiums of Rs. 5,403.43 crore and premiums ceded of Rs. 58.03 crore. Reported under other income: other direct income of Rs. 46.23 crore, interest income on loan to policyholders of Rs. 369.03 crore, income from investments and loans of Rs. 1,669 crore, net gain/(loss) on fair value changes of Rs. 2.31 crore, net realised gains/(losses) of Rs. 2.49 crore and other income of Rs. 6.64 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 2,157.92 crore, claims ceded of Rs. 42.74 crore and gross change in contract liabilities of Rs. 4,169.09 crore. Reported under other expenses: commission expenses of Rs. 412.5 crore, service fees of Rs. 40.09 crore, other direct expenses of Rs. 0.13 crore, employee benefits expenses of Rs. 87.3 crore, depreciation and amortization expenses of Rs. 13.43 crore, other operating expenses of Rs. 236.8 crore and finance cost of Rs. 10 crore. Reported under net profit for the year: income tax expenses of Rs. 323.24 crore.
NLIC profit and loss for 2081/82
In the financial year 2081/82, Nepal Life Insurance Co. Ltd. reported net earned premiums of Rs. 4,769.41 crore, other income of Rs. 2,078.91 crore, total income of Rs. 6,848.32 crore, net benefits and claims paid of Rs. 5,574.56 crore, other expenses of Rs. 707.97 crore, total expenses of Rs. 6,282.53 crore, profit before tax of Rs. 571.97 crore and net profit for the year of Rs. 233.54 crore.
Reported under net earned premiums: gross earned premiums of Rs. 4,820.22 crore and premiums ceded of Rs. 50.81 crore. Reported under other income: commission income of Rs. 10.5 crore, other direct income of Rs. 53.81 crore, interest income on loan to policyholders of Rs. 369.97 crore, income from investments and loans of Rs. 1,634.31 crore, net gain/(loss) on fair value changes of Rs. 0.49 crore, net realised gains/(losses) of Rs. 4.16 crore and other income of Rs. 5.67 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 1,919.17 crore, claims ceded of Rs. 38.31 crore and gross change in contract liabilities of Rs. 3,693.7 crore. Reported under other expenses: commission expenses of Rs. 366.69 crore, service fees of Rs. 35.77 crore, other direct expenses of Rs. 0.24 crore, employee benefits expenses of Rs. 101.13 crore, depreciation and amortization expenses of Rs. 12.89 crore, impairment losses of Rs. 4.13 crore, other operating expenses of Rs. 191.38 crore and finance cost of Rs. 4.01 crore. Reported under profit before tax: share of net profit of associates (equity method) of Rs. 6.18 crore. Reported under net profit for the year: income tax expenses of Rs. 338.43 crore.
NLIC profit and loss for 2080/81
In the financial year 2080/81, Nepal Life Insurance Co. Ltd. reported net earned premiums of Rs. 4,017.3 crore, other income of Rs. 1,918.6 crore, total income of Rs. 5,935.9 crore, net benefits and claims paid of Rs. 4,779.33 crore, other expenses of Rs. 615.95 crore, total expenses of Rs. 5,395.28 crore, profit before tax of Rs. 540.62 crore and net profit for the year of Rs. 213.72 crore.
Reported under net earned premiums: gross earned premiums of Rs. 4,084.95 crore and premiums ceded of Rs. 67.64 crore. Reported under other income: commission income of Rs. 6.32 crore, other direct income of Rs. 45.88 crore, interest income on loan to policyholders of Rs. 339.27 crore, income from investments and loans of Rs. 1,522.68 crore, net gain/(loss) on fair value changes of Rs. 2.34 crore, net realised gains/(losses) of Rs. 0.61 crore and other income of Rs. 2.73 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 1,501.56 crore, claims ceded of Rs. 26.09 crore and gross change in contract liabilities of Rs. 3,303.87 crore. Reported under other expenses: commission expenses of Rs. 318.48 crore, service fees of Rs. 30.06 crore, other direct expenses of Rs. 0.22 crore, employee benefits expenses of Rs. 102.48 crore, depreciation and amortization expenses of Rs. 5.44 crore, impairment losses of Rs. 1.23 crore, other operating expenses of Rs. 157.32 crore and finance cost of Rs. 3.17 crore. Reported under profit before tax: share of net profit of associates (equity method) of Rs. 0 crore. Reported under net profit for the year: income tax expenses of Rs. 326.9 crore.
NLIC balance sheet for 2081/82
In the financial year 2081/82, Nepal Life Insurance Co. Ltd. reported total assets of Rs. 25,177.5 crore, total liabilities of Rs. 23,857.16 crore and total equity of Rs. 1,301.28 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.99 crore, property and equipment of Rs. 85.98 crore, investment properties of Rs. 40.91 crore, deferred tax assets of Rs. 0 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 180.44 crore, investments of Rs. 19,070.61 crore, loans of Rs. 3,499.68 crore, current tax assets of Rs. 104.55 crore, insurance receivables of Rs. 0.01 crore, other assets of Rs. 17.79 crore, other financial assets of Rs. 1,003.87 crore and cash and cash equivalent of Rs. 1,172.67 crore. Reported under total liabilities: provisions of Rs. 26.03 crore, gross insurance contract liabilities of Rs. 23,475.51 crore, deferred tax liabilities of Rs. 15.81 crore, insurance payables of Rs. 15.35 crore, current tax liabilities of Rs. 0 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 117.51 crore and other financial liabilities of Rs. 206.95 crore. Reported under total equity: share capital of Rs. 902.88 crore, catastrophe reserves of Rs. 149.4 crore, retained earnings of Rs. 225.79 crore and other equity of Rs. 23.21 crore.
NLIC balance sheet for 2080/81
In the financial year 2080/81, Nepal Life Insurance Co. Ltd. reported total assets of Rs. 21,370.34 crore, total liabilities of Rs. 20,133.24 crore and total equity of Rs. 1,218.94 crore.
Reported under total assets: goodwill & intangible assets of Rs. 1.19 crore, property and equipment of Rs. 48.81 crore, investment properties of Rs. 41.37 crore, deferred tax assets of Rs. 0 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investments of Rs. 16,437.97 crore, loans of Rs. 3,391.43 crore, current tax assets of Rs. 42.38 crore, insurance receivables of Rs. 16.24 crore, other assets of Rs. 19.36 crore, other financial assets of Rs. 600.19 crore and cash and cash equivalent of Rs. 771.41 crore. Reported under total liabilities: provisions of Rs. 24.21 crore, gross insurance contract liabilities of Rs. 19,673.48 crore, deferred tax liabilities of Rs. 21.32 crore, insurance payables of Rs. 49.05 crore, current tax liabilities of Rs. 0 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 190.22 crore and other financial liabilities of Rs. 174.96 crore. Reported under total equity: share capital of Rs. 820.8 crore, catastrophe reserves of Rs. 126.38 crore, retained earnings of Rs. 194.07 crore and other equity of Rs. 77.7 crore.
NLIC balance sheet for 2079/80
In the financial year 2079/80, Nepal Life Insurance Co. Ltd. reported total assets of Rs. 18,106.76 crore, total liabilities of Rs. 16,866.79 crore and total equity of Rs. 1,177.08 crore.
Reported under total assets: goodwill & intangible assets of Rs. 1.01 crore, property and equipment of Rs. 24.86 crore, investment properties of Rs. 40.81 crore, deferred tax assets of Rs. 17.52 crore, investments of Rs. 13,896.59 crore, loans of Rs. 3,111.78 crore, current tax assets of Rs. 26.48 crore, insurance receivables of Rs. 13.21 crore, other assets of Rs. 20.39 crore, other financial assets of Rs. 490.4 crore and cash and cash equivalent of Rs. 463.71 crore. Reported under total liabilities: provisions of Rs. 25.86 crore, gross insurance contract liabilities of Rs. 16,339.13 crore, deferred tax liabilities of Rs. 13.88 crore, insurance payables of Rs. 28.44 crore, current tax liabilities of Rs. 166.16 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 104.83 crore and other financial liabilities of Rs. 188.48 crore. Reported under total equity: share capital of Rs. 820.8 crore, share premium of Rs. 4.38 crore, catastrophe reserves of Rs. 104.82 crore, retained earnings of Rs. 172.97 crore and other equity of Rs. 74.12 crore.
NLIC cash flow for 2081/82
In the financial year 2081/82, Nepal Life Insurance Co. Ltd. reported opening cash & cash equivalents of Rs. 771.41 crore, net cash flow from operating activities of Rs. 1,373.64 crore, net cash flow from investing activities of Rs. 883.36 crore, net cash flow from financing activities of Rs. 89.02 crore, net change in cash of Rs. 401.26 crore and closing cash & cash equivalents of Rs. 1,172.67 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 4,820.22 crore, commission / reinsurance commission received of Rs. 10.5 crore, claim recovery received from reinsurers of Rs. 38.31 crore, other direct income received of Rs. 63.64 crore, gross benefits and claims paid of Rs. 1,919.17 crore, reinsurance premium paid of Rs. 50.81 crore, commission paid of Rs. 366.69 crore, service fees paid of Rs. 35.77 crore, employee benefits expenses paid of Rs. 101.01 crore, other expenses paid of Rs. 212.39 crore and income tax paid of Rs. 360.18 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.18 crore, acquisitions of property and equipment of Rs. 42.02 crore, investment in associates of Rs. 174.27 crore, purchase of equity instruments of Rs. 552.33 crore, proceeds from sale of equity instruments of Rs. 495.08 crore, purchase of mutual funds of Rs. 47.15 crore, proceeds from sale of mutual funds of Rs. 8.98 crore, purchase of debentures of Rs. 130.85 crore, investments in deposits of Rs. 2,251.5 crore, interest income received of Rs. 1,997.14 crore, dividend received of Rs. 4.15 crore and loans against insurance policies of Rs. 105.01 crore. Reported under net cash flow from financing activities: proceeds from issue of share capital of Rs. 1.7 crore and dividend paid of Rs. 82.2 crore.
NLIC cash flow for 2080/81
In the financial year 2080/81, Nepal Life Insurance Co. Ltd. reported opening cash & cash equivalents of Rs. 463.71 crore, net cash flow from operating activities of Rs. 1,462.96 crore, net cash flow from investing activities of Rs. 982.46 crore, net cash flow from financing activities of Rs. 172.8 crore, net change in cash of Rs. 307.7 crore and closing cash & cash equivalents of Rs. 771.41 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 4,084.95 crore, commission / reinsurance commission received of Rs. 6.32 crore, claim recovery received from reinsurers of Rs. 26.09 crore, other direct income received of Rs. 48 crore, gross benefits and claims paid of Rs. 1,501.56 crore, reinsurance premium paid of Rs. 67.64 crore, commission paid of Rs. 318.48 crore, service fees paid of Rs. 30.06 crore, employee benefits expenses paid of Rs. 99.15 crore, other expenses paid of Rs. 165.64 crore and income tax paid of Rs. 319.45 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.27 crore, acquisitions of property and equipment of Rs. 4.94 crore, purchase of equity instruments of Rs. 49.54 crore, proceeds from sale of equity instruments of Rs. 30.38 crore, purchase of mutual funds of Rs. 7.34 crore, proceeds from sale of mutual funds of Rs. 1.78 crore, purchase of debentures of Rs. 94.08 crore, investments in deposits of Rs. 2,370.25 crore, interest income received of Rs. 1,776.87 crore, dividend received of Rs. 12.33 crore and loans against insurance policies of Rs. 279.65 crore. Reported under net cash flow from financing activities: dividend paid of Rs. 164.27 crore.
NLIC cash flow for 2078/79
In the financial year 2078/79, Nepal Life Insurance Co. Ltd. reported opening cash & cash equivalents of Rs. 649.59 crore, net cash flow from operating activities of Rs. 1,594.57 crore, net cash flow from investing activities of Rs. 1,667.2 crore, net cash flow from financing activities of Rs. 134.9 crore, net change in cash of Rs. 207.53 crore and closing cash & cash equivalents of Rs. 442.05 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 3,548.94 crore, commission / reinsurance commission received of Rs. 47.66 crore, claim recovery received from reinsurers of Rs. 41.78 crore, gross benefits and claims paid of Rs. 1,459.95 crore, reinsurance premium paid of Rs. 49.94 crore, commission paid of Rs. 353 crore, service fees paid of Rs. 31.92 crore, employee benefits expenses paid of Rs. 81.1 crore, other expenses paid of Rs. 171.44 crore and income tax paid of Rs. 257.21 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.95 crore, acquisitions of property and equipment of Rs. 6.99 crore, purchase of equity instruments of Rs. 202.23 crore, proceeds from sale of equity instruments of Rs. 111.58 crore, purchase of mutual funds of Rs. 5.15 crore, proceeds from sale of mutual funds of Rs. 7.92 crore, purchase of debentures of Rs. 57.85 crore, investments in deposits of Rs. 2,218.68 crore, interest income received of Rs. 1,182.23 crore, dividend received of Rs. 5.88 crore and loans against insurance policies of Rs. 480.09 crore. Reported under net cash flow from financing activities: dividend paid of Rs. 123.15 crore.
NLIC quarterly for Q4 2082/83
In the quarter Q4 2082/83, Nepal Life Insurance Co. Ltd. reported net earned premiums of Rs. 1,674.87 crore, other income of Rs. 528.58 crore, total income of Rs. 2,203.45 crore, net benefits and claims paid of Rs. 1,823.69 crore, other expenses of Rs. 333.97 crore, total expenses of Rs. 2,157.65 crore, profit before tax of Rs. 51.85 crore and net profit for the year of Rs. 0.44 crore.
Reported under net earned premiums: gross earned premiums of Rs. 1,692.91 crore and premiums ceded of Rs. 18.04 crore. Reported under other income: commission income of Rs. 0 crore, other direct income of Rs. 13.72 crore, interest income on loan to policyholders of Rs. 86.64 crore, income from investments and loans of Rs. 428.33 crore, net gain/(loss) on fair value changes of Rs. 2.28 crore, net realised gains/(losses) of Rs. 1.05 crore and other income of Rs. 1.12 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 914.07 crore, claims ceded of Rs. 13.87 crore, gross change in contract liabilities of Rs. 923.49 crore and change in contract liabilities ceded to reinsurers of Rs. 0 crore. Reported under other expenses: commission expenses of Rs. 138.83 crore, service fees of Rs. 12.56 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 17.54 crore, depreciation and amortization expenses of Rs. 3.47 crore, impairment losses of Rs. 2.41 crore, other operating expenses of Rs. 159.26 crore and finance cost of Rs. 4.71 crore. Reported under profit before tax: share of net profit of associates (equity method) of Rs. 6.06 crore. Reported under net profit for the year: income tax expenses of Rs. 52.29 crore.
NLIC quarterly for Q3 2082/83
In the quarter Q3 2082/83, Nepal Life Insurance Co. Ltd. reported net earned premiums of Rs. 1,117.47 crore, other income of Rs. 540.4 crore, total income of Rs. 1,657.87 crore, net benefits and claims paid of Rs. 1,372.57 crore, other expenses of Rs. 166.75 crore, total expenses of Rs. 1,539.33 crore, profit before tax of Rs. 119.94 crore and net profit for the year of Rs. 13.97 crore.
Reported under net earned premiums: gross earned premiums of Rs. 1,143.55 crore and premiums ceded of Rs. 26.08 crore. Reported under other income: commission income of Rs. 4.13 crore, other direct income of Rs. 12.52 crore, interest income on loan to policyholders of Rs. 94.03 crore, income from investments and loans of Rs. 426.2 crore, net gain/(loss) on fair value changes of Rs. 0.7 crore, net realised gains/(losses) of Rs. 0.89 crore and other income of Rs. 1.92 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 410.52 crore, claims ceded of Rs. 10.53 crore and gross change in contract liabilities of Rs. 972.59 crore. Reported under other expenses: commission expenses of Rs. 85.75 crore, service fees of Rs. 8.38 crore, other direct expenses of Rs. 0.03 crore, employee benefits expenses of Rs. 20.27 crore, depreciation and amortization expenses of Rs. 3.46 crore, other operating expenses of Rs. 45.6 crore and finance cost of Rs. 3.27 crore. Reported under profit before tax: share of net profit of associates (equity method) of Rs. 1.39 crore. Reported under net profit for the year: income tax expenses of Rs. 105.96 crore.
NLIC quarterly for Q2 2082/83
In the quarter Q2 2082/83, Nepal Life Insurance Co. Ltd. reported net earned premiums of Rs. 1,216.14 crore, other income of Rs. 526.72 crore, total income of Rs. 1,742.86 crore, net benefits and claims paid of Rs. 1,506.86 crore, other expenses of Rs. 148.58 crore, total expenses of Rs. 1,655.45 crore, profit before tax of Rs. 91.98 crore and net profit for the year of Rs. 13.47 crore.
Reported under net earned premiums: gross earned premiums of Rs. 1,216.58 crore and premiums ceded of Rs. 0.45 crore. Reported under other income: other direct income of Rs. 10.97 crore, interest income on loan to policyholders of Rs. 93.18 crore, income from investments and loans of Rs. 419.47 crore, net gain/(loss) on fair value changes of Rs. 1.03 crore, net realised gains/(losses) of Rs. 0.28 crore and other income of Rs. 1.8 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 418.31 crore, claims ceded of Rs. 12.56 crore and gross change in contract liabilities of Rs. 1,101.1 crore. Reported under other expenses: commission expenses of Rs. 91.86 crore, service fees of Rs. 9.12 crore, other direct expenses of Rs. 0.05 crore, employee benefits expenses of Rs. 19.84 crore, depreciation and amortization expenses of Rs. 3.27 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 23.43 crore and finance cost of Rs. 1.01 crore. Reported under profit before tax: share of net profit of associates (equity method) of Rs. 4.56 crore. Reported under net profit for the year: income tax expenses of Rs. 78.5 crore.
NLIC quarterly for Q1 2082/83
In the quarter Q1 2082/83, Nepal Life Insurance Co. Ltd. reported net earned premiums of Rs. 1,336.92 crore, other income of Rs. 499.51 crore, total income of Rs. 1,836.43 crore, net benefits and claims paid of Rs. 1,581.15 crore, other expenses of Rs. 148.53 crore, total expenses of Rs. 1,729.68 crore, profit before tax of Rs. 106.75 crore and net profit for the year of Rs. 20.26 crore.
Reported under net earned premiums: gross earned premiums of Rs. 1,350.39 crore and premiums ceded of Rs. 13.47 crore. Reported under other income: other direct income of Rs. 9.03 crore, interest income on loan to policyholders of Rs. 95.18 crore, income from investments and loans of Rs. 394.99 crore, net gain/(loss) on fair value changes of Rs. 1.76 crore, net realised gains/(losses) of Rs. 0.27 crore and other income of Rs. 1.8 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 415.02 crore, claims ceded of Rs. 5.78 crore and gross change in contract liabilities of Rs. 1,171.91 crore. Reported under other expenses: commission expenses of Rs. 96.05 crore, service fees of Rs. 10.03 crore, other direct expenses of Rs. 0.05 crore, employee benefits expenses of Rs. 29.66 crore, depreciation and amortization expenses of Rs. 3.23 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 8.51 crore and finance cost of Rs. 1.01 crore. Reported under net profit for the year: income tax expenses of Rs. 86.48 crore.
NLIC Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2078/79 | 2077/78 |
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| Net Earned Premiums | 5,345 | 4,769 | 4,017 | 3,504 | 3,195 |
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| Gross Earned Premiums | 5,403 | 4,820 | 4,085 | 3,549 | 3,237 |
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| Premiums Ceded | -58.0 | -50.8 | -67.6 | -45.4 | -41.7 |
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| Other Income | 2,091 | 2,079 | 1,919 | 1,174 | 1,136 |
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| Commission Income | Not reported | 10.5 | 6.3 | 47.7 | 33.5 |
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| Other Direct Income | 46.2 | 53.8 | 45.9 | Not reported | Not reported |
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| Interest Income on Loan to Policyholders | 369 | 370 | 339 | Not reported | Not reported |
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| Income from Investments and Loans | 1,669 | 1,634 | 1,523 | 1,210 | 935 |
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| Net Gain/(Loss) on Fair Value Changes | -2.3 | 0.49 | 2.3 | -85.9 | 67.5 |
|---|
| Net Realised Gains/(Losses) | 2.5 | 4.2 | -0.61 | 1.1 | 101 |
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| Other Income | 6.6 | 5.7 | 2.7 | 1.4 | 0.00 |
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| Total Income | 7,441 | 6,848 | 5,936 | 4,677 | 4,331 |
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| Net Benefits and Claims Paid | -6,284 | -5,575 | -4,779 | -3,774 | -3,354 |
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| Gross Benefits and Claims Paid | -2,158 | -1,919 | -1,502 | -1,460 | -891 |
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| Claims Ceded | 42.7 | 38.3 | 26.1 | 45.5 | 15.2 |
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| Gross Change in Contract Liabilities | -4,169 | -3,694 | -3,304 | -2,359 | -2,478 |
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| Other Expenses | -800 | -708 | -616 | -666 | -666 |
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| Commission Expenses | -412 | -367 | -318 | -353 | -356 |
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| Service Fees | -40.1 | -35.8 | -30.1 | -35.0 | -32.0 |
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| Other Direct Expenses | -0.13 | -0.24 | -0.22 | 0.00 | 0.00 |
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| Employee Benefits Expenses | -87.3 | -101 | -102 | -82.5 | -78.3 |
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| Depreciation and Amortization Expenses | -13.4 | -12.9 | -5.4 | -5.8 | -3.2 |
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| Impairment Losses | Not reported | 4.1 | 1.2 | -17.6 | -1.7 |
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| Other Operating Expenses | -237 | -191 | -157 | -171 | -194 |
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| Finance Cost | -10.0 | -4.0 | -3.2 | -1.4 | 0.00 |
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| Total Expenses | -7,082 | -6,283 | -5,395 | -4,440 | -4,020 |
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| Profit Before Tax | 371 | 572 | 541 | 237 | 312 |
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| Share of Net Profit of Associates (Equity Method) | Not reported | 6.2 | 0.00 | 0.00 | 0.00 |
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| Net Profit for the Year | 47.3 | 234 | 214 | 3.5 | 197 |
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| Income Tax Expenses | -323 | -338 | -327 | -234 | -115 |
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NLIC Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
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| Total Assets | 25,178 | 21,370 | 18,107 | 15,067 | 12,726 |
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| Goodwill & Intangible Assets | 0.99 | 1.2 | 1.0 | 1.0 | 0.17 |
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| Property and Equipment | 86.0 | 48.8 | 24.9 | 24.9 | 7.6 |
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| Investment Properties | 40.9 | 41.4 | 40.8 | 40.8 | 23.1 |
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| Deferred Tax Assets | 0.00 | 0.00 | 17.5 | 17.5 | 0.00 |
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| Investment in Subsidiaries | 0.00 | 0.00 | Not reported | 0.00 | 0.00 |
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| Investment in Associates | 180 | 0.00 | Not reported | 0.00 | 0.00 |
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| Investments | 19,071 | 16,438 | 13,897 | 11,547 | 9,271 |
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| Loans | 3,500 | 3,391 | 3,112 | 2,546 | 2,097 |
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| Current Tax Assets | 105 | 42.4 | 26.5 | 26.5 | 230 |
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| Insurance Receivables | 0.01 | 16.2 | 13.2 | 13.2 | 9.5 |
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| Other Assets | 17.8 | 19.4 | 20.4 | 21.4 | 18.9 |
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| Other Financial Assets | 1,004 | 600 | 490 | 386 | 419 |
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| Cash and Cash Equivalent | 1,173 | 771 | 464 | 442 | 650 |
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| Total Liabilities | 23,857 | 20,133 | 16,867 | 14,089 | 11,617 |
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| Provisions | 26.0 | 24.2 | 25.9 | 32.2 | 28.6 |
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| Gross Insurance Contract Liabilities | 23,476 | 19,673 | 16,339 | 13,613 | 11,255 |
|---|
| Deferred Tax Liabilities | 15.8 | 21.3 | 13.9 | 0.00 | 7.9 |
|---|
| Insurance Payables | 15.3 | 49.1 | 28.4 | 22.0 | 26.6 |
|---|
| Current Tax Liabilities | 0.00 | 0.00 | 166 | 0.00 | 0.00 |
|---|
| Borrowings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Liabilities | 118 | 190 | 105 | 230 | 97.4 |
|---|
| Other Financial Liabilities | 207 | 175 | 188 | 192 | 202 |
|---|
| Total Equity | 1,301 | 1,219 | 1,177 | 967 | 1,108 |
|---|
| Share Capital | 903 | 821 | 821 | 821 | 720 |
|---|
| Share Premium | Not reported | Not reported | 4.4 | 4.4 | 4.7 |
|---|
| Catastrophe Reserves | 149 | 126 | 105 | 83.8 | 82.9 |
|---|
| Retained Earnings | 226 | 194 | 173 | -15.9 | 242 |
|---|
| Other Equity | 23.2 | 77.7 | 74.1 | 73.7 | 58.4 |
|---|
NLIC Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2078/79 | 2077/78 |
|---|
| Opening Cash & Cash Equivalents | 771 | 464 | 650 | 1,179 |
|---|
| Net Cash Flow from Operating Activities | 1,374 | 1,463 | 1,595 | 1,394 |
|---|
| Gross Premium Received | 4,820 | 4,085 | 3,549 | 3,237 |
|---|
| Commission / Reinsurance Commission Received | 10.5 | 6.3 | 47.7 | 33.5 |
|---|
| Claim Recovery Received from Reinsurers | 38.3 | 26.1 | 41.8 | 15.5 |
|---|
| Other Direct Income Received | 63.6 | 48.0 | Not reported | Not reported |
|---|
| Gross Benefits and Claims Paid | -1,919 | -1,502 | -1,460 | -891 |
|---|
| Reinsurance Premium Paid | -50.8 | -67.6 | -49.9 | -40.2 |
|---|
| Commission Paid | -367 | -318 | -353 | -381 |
|---|
| Service Fees Paid | -35.8 | -30.1 | -31.9 | -27.2 |
|---|
| Employee Benefits Expenses Paid | -101 | -99.1 | -81.1 | -77.5 |
|---|
| Other Expenses Paid | -212 | -166 | -171 | -194 |
|---|
| Income Tax Paid | -360 | -319 | -257 | -103 |
|---|
| Net Cash Flow from Investing Activities | -883 | -982 | -1,667 | -1,923 |
|---|
| Acquisitions of Intangible Assets | -0.18 | -0.27 | -0.95 | -0.04 |
|---|
| Acquisitions of Property and Equipment | -42.0 | -4.9 | -7.0 | -2.0 |
|---|
| Investment in Associates | -174 | Not reported | Not reported | Not reported |
|---|
| Purchase of Equity Instruments | -552 | -49.5 | -202 | -473 |
|---|
| Proceeds from Sale of Equity Instruments | 495 | 30.4 | 112 | 373 |
|---|
| Purchase of Mutual Funds | -47.1 | -7.3 | -5.1 | -5.1 |
|---|
| Proceeds from Sale of Mutual Funds | 9.0 | 1.8 | 7.9 | 7.9 |
|---|
| Purchase of Debentures | -131 | -94.1 | -57.9 | -81.8 |
|---|
| Investments in Deposits | -2,252 | -2,370 | -2,219 | -2,367 |
|---|
| Interest Income Received | 1,997 | 1,777 | 1,182 | 794 |
|---|
| Dividend Received | 4.2 | 12.3 | 5.9 | 2.5 |
|---|
| Loans Against Insurance Policies | -105 | -280 | -480 | -300 |
|---|
| Net Cash Flow from Financing Activities | -89.0 | -173 | -135 | 0.00 |
|---|
| Proceeds from Issue of Share Capital | 1.7 | Not reported | Not reported | Not reported |
|---|
| Dividend Paid | -82.2 | -164 | -123 | 0.00 |
|---|
| Net Change in Cash | 401 | 308 | -208 | -529 |
|---|
| Closing Cash & Cash Equivalents | 1,173 | 771 | 442 | 650 |
|---|
NLIC Quarterly Results
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 | 1,675 | 1,117 | 1,216 | 1,337 | 1,516 | 1,038 | 1,032 | 1,181 | 1,099 |
|---|
| Gross Earned Premiums | 1,693 | 1,144 | 1,217 | 1,350 | 1,533 | 1,048 | 1,043 | 1,197 | 1,142 |
|---|
| Premiums Ceded | -18.0 | -26.1 | -0.45 | -13.5 | -16.6 | -10.3 | -11.0 | -15.7 | -43.3 |
|---|
| Other Income | 529 | 540 | 527 | 500 | 547 | 397 | 535 | 618 | 538 |
|---|
| Commission Income | 0.00 | 4.1 | Not reported | Not reported | 5.5 | Not reported | Not reported | Not reported | 4.8 |
|---|
| Other Direct Income | 13.7 | 12.5 | 11.0 | 9.0 | 18.4 | 11.4 | 12.1 | 11.9 | 11.7 |
|---|
| Interest Income on Loan to Policyholders | 86.6 | 94.0 | 93.2 | 95.2 | 94.1 | 94.0 | 55.4 | 127 | 93.3 |
|---|
| Income from Investments and Loans | 428 | 426 | 419 | 395 | 420 | 291 | 467 | 457 | 428 |
|---|
| Net Gain/(Loss) on Fair Value Changes | -2.3 | 0.70 | 1.0 | -1.8 | 0.49 | Not reported | Not reported | Not reported | Not reported |
|---|
| Net Realised Gains/(Losses) | 1.1 | 0.89 | 0.28 | 0.27 | 4.2 | Not reported | Not reported | 22.6 | 0.53 |
|---|
| Other Income | 1.1 | 1.9 | 1.8 | 1.8 | 4.0 | 0.55 | 0.55 | 0.55 | -0.25 |
|---|
| Total Income | 2,203 | 1,658 | 1,743 | 1,836 | 2,063 | 1,434 | 1,567 | 1,800 | 1,637 |
|---|
| Net Benefits and Claims Paid | -1,824 | -1,373 | -1,507 | -1,581 | -1,623 | -1,255 | -1,352 | -1,525 | -1,337 |
|---|
| Gross Benefits and Claims Paid | -914 | -411 | -418 | -415 | 801 | -361 | -392 | -366 | -459 |
|---|
| Claims Ceded | 13.9 | 10.5 | 12.6 | 5.8 | -65.5 | 11.4 | 6.7 | 9.1 | 9.4 |
|---|
| Gross Change in Contract Liabilities | -923 | -973 | -1,101 | -1,172 | 834 | -905 | -967 | -1,168 | -887 |
|---|
| Change in Contract Liabilities Ceded to Reinsurers | 0.00 | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported |
|---|
| Other Expenses | -334 | -167 | -149 | -149 | -309 | -134 | -117 | -132 | -234 |
|---|
| Commission Expenses | -139 | -85.8 | -91.9 | -96.0 | -126 | -77.3 | -76.7 | -87.1 | -98.9 |
|---|
| Service Fees | -12.6 | -8.4 | -9.1 | -10.0 | -11.1 | -7.9 | -7.8 | -9.0 | -8.6 |
|---|
| Other Direct Expenses | 0.00 | -0.03 | -0.05 | -0.05 | -0.05 | -0.07 | -0.06 | -0.06 | -0.44 |
|---|
| Employee Benefits Expenses | -17.5 | -20.3 | -19.8 | -29.7 | -32.8 | -21.0 | -12.2 | -24.9 | -17.0 |
|---|
| Depreciation and Amortization Expenses | -3.5 | -3.5 | -3.3 | -3.2 | -1.6 | -4.9 | -5.2 | -1.2 | -0.10 |
|---|
| Impairment Losses | 2.4 | Not reported | -0.00 | 0.00 | 4.1 | 0.00 | Not reported | 0.00 | -1.2 |
|---|
| Other Operating Expenses | -159 | -45.6 | -23.4 | -8.5 | -141 | -21.7 | -13.2 | -10.0 | -106 |
|---|
| Finance Cost | -4.7 | -3.3 | -1.0 | -1.0 | -1.6 | -0.79 | -1.6 | -0.07 | -0.97 |
|---|
| Total Expenses | -2,158 | -1,539 | -1,655 | -1,730 | -1,933 | -1,388 | -1,469 | -1,658 | -1,565 |
|---|
| Profit Before Tax | 51.9 | 120 | 92.0 | 107 | 129 | 49.8 | 101 | 142 | 71.9 |
|---|
| Share of Net Profit of Associates (Equity Method) | 6.1 | 1.4 | 4.6 | Not reported | -0.94 | 3.7 | 3.4 | Not reported | 5.3 |
|---|
| Net Profit for the Year | -0.44 | 14.0 | 13.5 | 20.3 | -4.1 | 19.4 | 27.7 | 22.0 | -10.8 |
|---|
| Income Tax Expenses | -52.3 | -106 | -78.5 | -86.5 | -133 | -30.4 | -73.7 | -120 | -82.6 |
|---|
Nepal Life Insurance share price history
Over the last 15 trading sessions NLIC closed between Rs. 685.90 and Rs. 755.00, finishing at Rs. 755.00 on 2026-09-22 against Rs. 700.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 730.00 | 755.00 | 726.00 | 755.00 | 54,354 |
|---|
| 2026-09-18 | 729.10 | 739.00 | 725.00 | 735.00 | 51,843 |
|---|
| 2026-09-17 | 726.00 | 739.90 | 723.00 | 729.10 | 33,969 |
|---|
| 2026-09-16 | 730.00 | 733.90 | 710.00 | 725.00 | 17,503 |
|---|
| 2026-09-15 | 744.00 | 755.00 | 719.00 | 730.00 | 48,932 |
|---|
| 2026-09-14 | 700.00 | 714.50 | 700.00 | 709.00 | 23,494 |
|---|
| 2026-09-11 | 703.90 | 703.90 | 691.00 | 698.50 | 13,160 |
|---|
| 2026-09-10 | 705.00 | 705.00 | 688.10 | 699.00 | 9,791 |
|---|
| 2026-09-09 | 701.00 | 705.00 | 695.00 | 701.90 | 10,790 |
|---|
| 2026-09-07 | 696.00 | 705.00 | 691.00 | 701.00 | 11,863 |
|---|
| 2026-09-03 | 695.00 | 700.00 | 695.00 | 696.00 | 7,257 |
|---|
| 2026-09-02 | 695.00 | 696.00 | 690.00 | 695.00 | 10,711 |
|---|
| 2026-09-01 | 689.00 | 696.00 | 680.50 | 693.80 | 10,815 |
|---|
| 2026-08-31 | 690.00 | 700.00 | 685.10 | 685.90 | 18,184 |
|---|
| 2026-08-26 | 710.00 | 710.00 | 689.00 | 700.00 | 39,396 |
|---|
NLIC share price by year
2026, between Rs. 680.50 and Rs. 856.00, 2025, between Rs. 656.28 and Rs. 847.62, 2024, between Rs. 490.04 and Rs. 917.75, 2023, between Rs. 541.21 and Rs. 709.96, 2022, between Rs. 493.51 and Rs. 1,374.65 and 2021, between Rs. 964.53 and Rs. 1,898.69.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 680.50 | 856.00 | 168 |
|---|
| 2025 | 656.28 | 847.62 | 225 |
|---|
| 2024 | 490.04 | 917.75 | 232 |
|---|
| 2023 | 541.21 | 709.96 | 226 |
|---|
| 2022 | 493.51 | 1,374.65 | 242 |
|---|
| 2021 | 964.53 | 1,898.69 | 239 |
|---|
| 2020 | 525.25 | 1,499.24 | 184 |
|---|
| 2019 | 434.23 | 636.80 | 245 |
|---|
| 2018 | 405.36 | 632.01 | 234 |
|---|
| 2017 | 538.27 | 914.54 | 230 |
|---|
| 2016 | 635.26 | 1,289.76 | 218 |
|---|
| 2015 | 441.59 | 836.15 | 216 |
|---|
Nepal Life Insurance share price returns
At Rs. 755.00 on 2026-09-22, NLIC is up 3.42% over 1 week, up 5.30% over 1 month, up 1.36% over 3 months, down 8.32% over 6 months, up 4.38% over 1 year and down 42.17% 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 | +3.42% | 730.00 | 2026-09-15 |
|---|
| 1 month | +5.30% | 717.00 | 2026-08-21 |
|---|
| 3 months | +1.36% | 744.90 | 2026-06-24 |
|---|
| 6 months | -8.32% | 823.50 | 2026-03-26 |
|---|
| 1 year | +4.38% | 723.29 | 2025-09-21 |
|---|
| 5 years | -42.17% | 1,305.54 | 2021-09-23 |
|---|
NLIC floorsheet for 2026-09-22
NLIC traded 380 times on 2026-09-22, moving 52,340 shares for Rs. 3.91 crore of turnover. Trades went through between Rs. 713.00 and Rs. 755.00.
Largest buyers by volume: broker 34, Vision Securities Pvt.Limited on 18,267 shares across 111 trades, broker 70, Infinity Securities Limited on 6,075 shares across 38 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 6,000 shares across 10 trades, broker 45, Imperial Securities Co. Limited on 5,601 shares across 44 trades, broker 41, Linch Stock Market Limited on 3,871 shares across 24 trades, broker 33, Dakshinkali Investment Securities Pvt.Limited on 3,025 shares across 21 trades, broker 26, Asian Securities Pvt. Limited on 1,723 shares across 15 trades, broker 60, Nagarik Stock Dealer Company Ltd. on 1,612 shares across 8 trades, broker 42, Sani Securities Company Limited on 1,060 shares across 11 trades and broker 58, Naasa Securities Co. Ltd. on 1,054 shares across 17 trades.
Largest sellers by volume: broker 49, Online Securities Limited on 4,433 shares across 13 trades, broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 2,903 shares across 11 trades, broker 82, N.M.B. Securities Limited on 2,500 shares across 8 trades, broker 32, Premier Securites Company Limited on 2,407 shares across 12 trades, broker 42, Sani Securities Company Limited on 2,335 shares across 15 trades, broker 28, Shree Krishna Securities Limited on 2,104 shares across 6 trades, broker 58, Naasa Securities Co. Ltd. on 2,000 shares across 28 trades, broker 45, Imperial Securities Co. Limited on 1,887 shares across 19 trades, broker 22, Siprabi Securities Pvt. Limited on 1,779 shares across 6 trades and broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 1,754 shares across 9 trades.
NLIC dividend history: bonus shares and cash dividend
Nepal Life Insurance Co. Ltd. most recently declared a 5% bonus share issue and a 16.05% cash dividend, 21.05% in total for 2081/2082, announced on 2025-12-14. 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 | 5% | 16.05% | 2025-12-14 |
| 2080/2081 | 10% | 11.05% | 2025-01-15 |
| 2079/2080 | | 21.05% | 2024-06-02 |
| 2077/2078 | | 15.7895% | 2022-09-18 |
| 2076/2077 | 14% | | 2022-03-13 |
For 2081/2082 Nepal Life Insurance Co. Ltd. declared a 5% bonus share issue and a 16.05% cash dividend, 21.05% in total, announced on 2025-12-14.
For 2080/2081 Nepal Life Insurance Co. Ltd. declared a 10% bonus share issue and an 11.05% cash dividend, 21.05% in total, announced on 2025-01-15.
For 2079/2080 Nepal Life Insurance Co. Ltd. declared a 21.05% cash dividend, announced on 2024-06-02.
For 2077/2078 Nepal Life Insurance Co. Ltd. declared a 15.7895% cash dividend, announced on 2022-09-18.
For 2076/2077 Nepal Life Insurance Co. Ltd. declared a 14% bonus share issue, announced on 2022-03-13.
NLIC general meetings
Annual and special general meetings Nepal Life Insurance Co. Ltd. has called. A dividend is declared by the board and approved at the AGM.
- 26th AGM for 2081/2082: on 2026-01-03, at Hotel Viswa, Birgunj (Parsa) (9:00 AM)
- 25th AGM for 2080/2081: on 2025-02-10, at Hotel Viswa, Birgunj (Parsa) (9:00 AM)
- 23rd & 24th AGM for 2079/2080: on 2024-07-02, at Hotel Viswa, Birgunj (Parsa) (9:00 AM)
5 years of annual statements and 9 quarters of results for NLIC, with charts and peer comparison, are free on NepView.
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