National Life Insurance Co. Ltd. (NLICL) Share Price & Fundamentals
National Life Insurance (NLICL) share price is Rs. 582.00, unchanged on 2026-09-22. Open Rs. 580.90. High Rs. 585.00. Low Rs. 580.00. Volume 22,517.
National Life Insurance Co. Ltd. is a NEPSE-listed company (NLICL), Life Insurance sector. Premium: Rs. 2,531.84 Crore. Net profit: Rs. 44.46 Crore. Net worth: Rs. 917.88 Crore.
About National Life Insurance Co. Ltd.
National Life Insurance Co. Ltd. (NLICL) has 5,69,16,493 shares outstanding. Its most recent declared dividend was 8.50% on face value.
NLICL key metrics
NLICL strengths
What National Life Insurance Co. Ltd.'s own accounts show in its favour, graded against the rest of its sector.
- 164.2% of premiums come from customers renewing, which is steady, repeat income. (Premium Growth & Book Quality)
- New policies sold grew 20.4% on last year, so the sales side is working. (Premium Growth & Book Quality)
- 83% of investments are long term, which matches the decades-long promises it has made. (Investment Performance)
- The fund set aside for policyholders grew 15.3%, so future claims are better covered. (Reserving & Liability Strength)
- Keeps 87.7% of the risk it takes on rather than passing it to another insurer. (Claims & Underwriting)
- 79.7% of what it owns is set aside to pay policyholders, a strong backing. (Reserving & Liability Strength)
- Agent commissions take only 9.4% of premiums, so selling costs are controlled. (Expense Efficiency)
NLICL weaknesses
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
- 107.1% of premiums go out as claims, which leaves little margin on the policies sold. (Claims & Underwriting)
- Only 1.3% of income becomes profit once costs are paid. (Profitability)
- Holds 1.66x of the required safety capital, close to the 1.5 times the regulator sets. (Solvency)
- The number of live policies moved -5.2%, so the customer base is not growing. (Premium Growth & Book Quality)
- Each share earned only Rs 7.81 of profit over the year. (Shareholder Returns)
- Earns only 0.9% a year on everything it owns, so its money is not working hard. (Profitability)
- Premiums moved 9% on last year, so the business is not expanding. (Premium Growth & Book Quality)
- Earns only 9.2% a year on shareholders' money, below what owners would hope for. (Profitability)
- Running costs take 18.6% of premiums, a heavy load on what customers pay in. (Expense Efficiency)
- Earns only 7.5% on the money it holds, so those funds are underused. (Investment Performance)
- Only 9.6% of what it owns belongs to shareholders, so there is less cushion for losses. (Solvency)
- Only 18.5% of income comes from investments, so it depends on premiums alone. (Investment Performance)
- The average policy is worth only Rs 17564.43, so premiums per customer are small. (Premium Growth & Book Quality)
NLICL Q4 2082/83 results
In Q4 2082/83 National Life Insurance Co. Ltd. reported a loss of Rs. 3.91 crore and net earned premiums of Rs. 870.41 crore. Profit in Q3 2082/83 was Rs. 17.48 crore. Profit turned from a profit to a loss on the previous quarter. Net earned premiums grew 60.44% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 5.41 crore. Profit turned from a profit to a loss on the same quarter last year. Net earned premiums grew 13.53% on the same quarter last year.
NLICL annual results 2082/83
For the financial year 2082/83 National Life Insurance Co. Ltd. reported net profit of Rs. 44.46 crore, net earned premiums of Rs. 2,531.84 crore and net worth of Rs. 917.88 crore. Net profit in 2081/82 was Rs. 99.93 crore. Net profit fell 55.51% on the year. Net earned premiums grew 9.00% on the year.
NLICL profit and loss for 2082/83
In the financial year 2082/83, National Life Insurance Co. Ltd. reported net earned premiums of Rs. 2,531.84 crore, other income of Rs. 818.14 crore, total income of Rs. 3,349.97 crore, net benefits and claims paid of Rs. 2,711.77 crore, other expenses of Rs. 508.27 crore, total expenses of Rs. 3,225.79 crore, profit before tax of Rs. 124.18 crore and net profit for the year of Rs. 44.46 crore.
Reported under net earned premiums: gross earned premiums of Rs. 2,887.23 crore and premiums ceded of Rs. 355.4 crore. Reported under other income: commission income of Rs. 42.49 crore, other direct income of Rs. 15.39 crore, interest income on loan to policyholders of Rs. 129.18 crore, income from investments and loans of Rs. 621.08 crore, net gain/(loss) on fair value changes of Rs. 2.79 crore, net realised gains/(losses) of Rs. 0.48 crore and other income of Rs. 6.72 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 1,730.32 crore, claims ceded of Rs. 256.88 crore, gross change in contract liabilities of Rs. 1,426.84 crore and change in contract liabilities ceded to reinsurers of Rs. 188.51 crore. Reported under other expenses: commission expenses of Rs. 237.6 crore, service fees of Rs. 19.04 crore, other direct expenses of Rs. 0.35 crore, employee benefits expenses of Rs. 91.51 crore, depreciation and amortization expenses of Rs. 12.87 crore, other operating expenses of Rs. 142.95 crore and finance cost of Rs. 3.96 crore. Reported under net profit for the year: income tax expenses of Rs. 79.72 crore.
NLICL profit and loss for 2081/82
In the financial year 2081/82, National Life Insurance Co. Ltd. reported net earned premiums of Rs. 2,322.72 crore, other income of Rs. 806.78 crore, total income of Rs. 3,129.5 crore, net benefits and claims paid of Rs. 2,444.9 crore, other expenses of Rs. 493.42 crore, total expenses of Rs. 2,938.32 crore, profit before tax of Rs. 191.17 crore and net profit for the year of Rs. 99.93 crore.
Reported under net earned premiums: gross earned premiums of Rs. 2,548.02 crore and premiums ceded of Rs. 225.3 crore. Reported under other income: commission income of Rs. 42.79 crore, other direct income of Rs. 12.93 crore, interest income on loan to policyholders of Rs. 136 crore, income from investments and loans of Rs. 601.61 crore, net gain/(loss) on fair value changes of Rs. 5.6 crore, net realised gains/(losses) of Rs. 2.45 crore and other income of Rs. 5.39 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 1,191.25 crore, claims ceded of Rs. 192.95 crore, gross change in contract liabilities of Rs. 1,460.04 crore and change in contract liabilities ceded to reinsurers of Rs. 13.44 crore. Reported under other expenses: commission expenses of Rs. 236.8 crore, service fees of Rs. 17.42 crore, other direct expenses of Rs. 1.58 crore, employee benefits expenses of Rs. 91.15 crore, depreciation and amortization expenses of Rs. 11.81 crore, impairment losses of Rs. 4.64 crore, other operating expenses of Rs. 126.66 crore and finance cost of Rs. 3.36 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. 91.25 crore.
NLICL balance sheet for 2081/82
In the financial year 2081/82, National Life Insurance Co. Ltd. reported total assets of Rs. 11,286.53 crore, total liabilities of Rs. 10,202.44 crore and total equity of Rs. 917.88 crore.
Reported under total assets: goodwill & intangible assets of Rs. 33.12 crore, property and equipment of Rs. 117.5 crore, investment properties of Rs. 193.26 crore, deferred tax assets of Rs. 6.21 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investments of Rs. 8,028.85 crore, loans of Rs. 1,423.37 crore, reinsurance assets of Rs. 259.24 crore, current tax assets of Rs. 40.54 crore, insurance receivables of Rs. 95.02 crore, other assets of Rs. 40.43 crore, other financial assets of Rs. 461.79 crore and cash and cash equivalent of Rs. 587.21 crore. Reported under total liabilities: provisions of Rs. 25.77 crore, gross insurance contract liabilities of Rs. 9,791.36 crore, deferred tax liabilities of Rs. 139.77 crore, insurance payables of Rs. 44.8 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 122.47 crore and other financial liabilities of Rs. 78.27 crore. Reported under total equity: share capital of Rs. 547.27 crore, share premium of Rs. 2.78 crore, catastrophe reserves of Rs. 79.41 crore, retained earnings of Rs. 105.58 crore and other equity of Rs. 182.82 crore.
NLICL cash flow for 2081/82
In the financial year 2081/82, National Life Insurance Co. Ltd. reported opening cash & cash equivalents of Rs. 313.56 crore, net cash flow from operating activities of Rs. 988.94 crore, net cash flow from investing activities of Rs. 614.78 crore, net cash flow from financing activities of Rs. 100.51 crore, net change in cash of Rs. 273.65 crore and closing cash & cash equivalents of Rs. 587.21 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 2,578.19 crore, commission / reinsurance commission received of Rs. 0.17 crore, claim recovery received from reinsurers of Rs. 192.95 crore, other direct income received of Rs. 8.98 crore, other income received of Rs. 0.19 crore, gross benefits and claims paid of Rs. 1,191.25 crore, reinsurance premium paid of Rs. 37 crore, commission paid of Rs. 238.95 crore, service fees paid of Rs. 17.5 crore, employee benefits expenses paid of Rs. 91.96 crore, other expenses paid of Rs. 113.43 crore and income tax paid of Rs. 100.4 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.38 crore, acquisitions of property and equipment of Rs. 19.32 crore, investment in subsidiaries of Rs. 59.55 crore, purchase of equity instruments of Rs. 115.09 crore, proceeds from sale of equity instruments of Rs. 35.07 crore, purchase of mutual funds of Rs. 56.59 crore, proceeds from sale of mutual funds of Rs. 2.61 crore, purchase of debentures of Rs. 96.69 crore, proceeds from sale of debentures of Rs. 20 crore, investments in deposits of Rs. 1,818.28 crore, maturity of deposits of Rs. 1,160.91 crore, interest income received of Rs. 687.73 crore, dividend received of Rs. 5.54 crore and loans against insurance policies of Rs. 167.86 crore. Reported under net cash flow from financing activities: dividend paid of Rs. 100.32 crore.
NLICL quarterly for Q4 2082/83
In the quarter Q4 2082/83, National Life Insurance Co. Ltd. reported net earned premiums of Rs. 870.41 crore, other income of Rs. 230.18 crore, total income of Rs. 1,100.59 crore, net benefits and claims paid of Rs. 925.28 crore, other expenses of Rs. 154.25 crore, total expenses of Rs. 1,079.53 crore, profit before tax of Rs. 21.06 crore and net profit for the year of Rs. 3.91 crore.
Reported under net earned premiums: gross earned premiums of Rs. 984.87 crore and premiums ceded of Rs. 114.47 crore. Reported under other income: commission income of Rs. 3.01 crore, other direct income of Rs. 7.18 crore, interest income on loan to policyholders of Rs. 36.81 crore, income from investments and loans of Rs. 183.45 crore, net gain/(loss) on fair value changes of Rs. 0.64 crore, net realised gains/(losses) of Rs. 0.34 crore and other income of Rs. 0.71 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 586.07 crore, claims ceded of Rs. 112.29 crore, gross change in contract liabilities of Rs. 515.63 crore and change in contract liabilities ceded to reinsurers of Rs. 64.13 crore. Reported under other expenses: commission expenses of Rs. 69.3 crore, service fees of Rs. 6.5 crore, other direct expenses of Rs. 0.9 crore, employee benefits expenses of Rs. 23.87 crore, depreciation and amortization expenses of Rs. 5.58 crore, impairment losses of Rs. 0.98 crore, other operating expenses of Rs. 45.94 crore and finance cost of Rs. 2.97 crore. Reported under net profit for the year: income tax expenses of Rs. 24.97 crore.
NLICL quarterly for Q3 2082/83
In the quarter Q3 2082/83, National Life Insurance Co. Ltd. reported net earned premiums of Rs. 542.52 crore, other income of Rs. 193.74 crore, total income of Rs. 736.27 crore, net benefits and claims paid of Rs. 565.28 crore, other expenses of Rs. 139.41 crore, total expenses of Rs. 704.68 crore, profit before tax of Rs. 31.58 crore and net profit for the year of Rs. 17.48 crore.
Reported under net earned premiums: gross earned premiums of Rs. 638.64 crore and premiums ceded of Rs. 96.12 crore. Reported under other income: commission income of Rs. 19.11 crore, other direct income of Rs. 2.97 crore, interest income on loan to policyholders of Rs. 26.43 crore, income from investments and loans of Rs. 139.16 crore, net gain/(loss) on fair value changes of Rs. 3.04 crore, net realised gains/(losses) of Rs. 0.44 crore and other income of Rs. 2.61 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 334.89 crore, claims ceded of Rs. 44.81 crore, gross change in contract liabilities of Rs. 203.82 crore and change in contract liabilities ceded to reinsurers of Rs. 71.37 crore. Reported under other expenses: commission expenses of Rs. 69.93 crore, service fees of Rs. 3.96 crore, other direct expenses of Rs. 0.99 crore, employee benefits expenses of Rs. 24.77 crore, depreciation and amortization expenses of Rs. 2.61 crore, impairment losses of Rs. 4.77 crore, other operating expenses of Rs. 31.95 crore and finance cost of Rs. 0.43 crore. Reported under net profit for the year: income tax expenses of Rs. 14.11 crore.
NLICL quarterly for Q2 2082/83
In the quarter Q2 2082/83, National Life Insurance Co. Ltd. reported net earned premiums of Rs. 548.39 crore, other income of Rs. 193.93 crore, total income of Rs. 742.31 crore, net benefits and claims paid of Rs. 577.76 crore, other expenses of Rs. 111.87 crore, total expenses of Rs. 689.63 crore, profit before tax of Rs. 52.68 crore and net profit for the year of Rs. 27.22 crore.
Reported under net earned premiums: gross earned premiums of Rs. 609.44 crore and premiums ceded of Rs. 61.05 crore. Reported under other income: commission income of Rs. 9.36 crore, other direct income of Rs. 1.36 crore, interest income on loan to policyholders of Rs. 31.91 crore, income from investments and loans of Rs. 151.93 crore, net gain/(loss) on fair value changes of Rs. 1.64 crore, net realised gains/(losses) of Rs. 0.14 crore and other income of Rs. 2.41 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 455.83 crore, claims ceded of Rs. 51.06 crore, gross change in contract liabilities of Rs. 248.31 crore and change in contract liabilities ceded to reinsurers of Rs. 75.33 crore. Reported under other expenses: commission expenses of Rs. 48.45 crore, service fees of Rs. 4.14 crore, other direct expenses of Rs. 0.11 crore, employee benefits expenses of Rs. 17.35 crore, depreciation and amortization expenses of Rs. 2.07 crore, other operating expenses of Rs. 39.59 crore and finance cost of Rs. 0.16 crore. Reported under net profit for the year: income tax expenses of Rs. 25.47 crore.
NLICL quarterly for Q1 2082/83
In the quarter Q1 2082/83, National Life Insurance Co. Ltd. reported net earned premiums of Rs. 570.52 crore, other income of Rs. 200.29 crore, total income of Rs. 770.81 crore, net benefits and claims paid of Rs. 643.46 crore, other expenses of Rs. 108.49 crore, total expenses of Rs. 751.95 crore, profit before tax of Rs. 18.86 crore and net profit for the year of Rs. 3.68 crore.
Reported under net earned premiums: gross earned premiums of Rs. 654.28 crore and premiums ceded of Rs. 83.76 crore. Reported under other income: commission income of Rs. 11.01 crore, other direct income of Rs. 3.89 crore, interest income on loan to policyholders of Rs. 34.03 crore, income from investments and loans of Rs. 146.55 crore, net gain/(loss) on fair value changes of Rs. 1.24 crore, net realised gains/(losses) of Rs. 0.25 crore and other income of Rs. 5.81 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 353.52 crore, claims ceded of Rs. 48.72 crore, gross change in contract liabilities of Rs. 459.08 crore and change in contract liabilities ceded to reinsurers of Rs. 120.42 crore. Reported under other expenses: commission expenses of Rs. 49.93 crore, service fees of Rs. 4.43 crore, other direct expenses of Rs. 0.16 crore, employee benefits expenses of Rs. 25.51 crore, depreciation and amortization expenses of Rs. 2.6 crore, other operating expenses of Rs. 25.47 crore and finance cost of Rs. 0.39 crore. Reported under net profit for the year: income tax expenses of Rs. 15.18 crore.
NLICL Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 |
|---|
| Net Earned Premiums | 2,532 | 2,323 |
|---|
| Gross Earned Premiums | 2,887 | 2,548 |
|---|
| Premiums Ceded | -355 | -225 |
|---|
| Other Income | 818 | 807 |
|---|
| Commission Income | 42.5 | 42.8 |
|---|
| Other Direct Income | 15.4 | 12.9 |
|---|
| Interest Income on Loan to Policyholders | 129 | 136 |
|---|
| Income from Investments and Loans | 621 | 602 |
|---|
| Net Gain/(Loss) on Fair Value Changes | 2.8 | 5.6 |
|---|
| Net Realised Gains/(Losses) | 0.48 | 2.5 |
|---|
| Other Income | 6.7 | 5.4 |
|---|
| Total Income | 3,350 | 3,129 |
|---|
| Net Benefits and Claims Paid | -2,712 | -2,445 |
|---|
| Gross Benefits and Claims Paid | -1,730 | -1,191 |
|---|
| Claims Ceded | 257 | 193 |
|---|
| Gross Change in Contract Liabilities | -1,427 | -1,460 |
|---|
| Change in Contract Liabilities Ceded to Reinsurers | 189 | 13.4 |
|---|
| Other Expenses | -508 | -493 |
|---|
| Commission Expenses | -238 | -237 |
|---|
| Service Fees | -19.0 | -17.4 |
|---|
| Other Direct Expenses | -0.35 | -1.6 |
|---|
| Employee Benefits Expenses | -91.5 | -91.1 |
|---|
| Depreciation and Amortization Expenses | -12.9 | -11.8 |
|---|
| Impairment Losses | Not reported | -4.6 |
|---|
| Other Operating Expenses | -143 | -127 |
|---|
| Finance Cost | -4.0 | -3.4 |
|---|
| Total Expenses | -3,226 | -2,938 |
|---|
| Profit Before Tax | 124 | 191 |
|---|
| Share of Net Profit of Associates (Equity Method) | Not reported | 0.00 |
|---|
| Net Profit for the Year | 44.5 | 99.9 |
|---|
| Income Tax Expenses | -79.7 | -91.2 |
|---|
NLICL Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 |
|---|
| Total Assets | 11,287 |
|---|
| Goodwill & Intangible Assets | 33.1 |
|---|
| Property and Equipment | 117 |
|---|
| Investment Properties | 193 |
|---|
| Deferred Tax Assets | 6.2 |
|---|
| Investment in Subsidiaries | 0.00 |
|---|
| Investment in Associates | 0.00 |
|---|
| Investments | 8,029 |
|---|
| Loans | 1,423 |
|---|
| Reinsurance Assets | 259 |
|---|
| Current Tax Assets | 40.5 |
|---|
| Insurance Receivables | 95.0 |
|---|
| Other Assets | 40.4 |
|---|
| Other Financial Assets | 462 |
|---|
| Cash and Cash Equivalent | 587 |
|---|
| Total Liabilities | 10,202 |
|---|
| Provisions | 25.8 |
|---|
| Gross Insurance Contract Liabilities | 9,791 |
|---|
| Deferred Tax Liabilities | 140 |
|---|
| Insurance Payables | 44.8 |
|---|
| Borrowings | 0.00 |
|---|
| Other Liabilities | 122 |
|---|
| Other Financial Liabilities | 78.3 |
|---|
| Total Equity | 918 |
|---|
| Share Capital | 547 |
|---|
| Share Premium | 2.8 |
|---|
| Catastrophe Reserves | 79.4 |
|---|
| Retained Earnings | 106 |
|---|
| Other Equity | 183 |
|---|
NLICL Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 |
|---|
| Opening Cash & Cash Equivalents | 314 |
|---|
| Net Cash Flow from Operating Activities | 989 |
|---|
| Gross Premium Received | 2,578 |
|---|
| Commission / Reinsurance Commission Received | -0.17 |
|---|
| Claim Recovery Received from Reinsurers | 193 |
|---|
| Other Direct Income Received | 9.0 |
|---|
| Other Income Received | 0.19 |
|---|
| Gross Benefits and Claims Paid | -1,191 |
|---|
| Reinsurance Premium Paid | -37.0 |
|---|
| Commission Paid | -239 |
|---|
| Service Fees Paid | -17.5 |
|---|
| Employee Benefits Expenses Paid | -92.0 |
|---|
| Other Expenses Paid | -113 |
|---|
| Income Tax Paid | -100 |
|---|
| Net Cash Flow from Investing Activities | -615 |
|---|
| Acquisitions of Intangible Assets | -0.38 |
|---|
| Acquisitions of Property and Equipment | -19.3 |
|---|
| Investment in Subsidiaries | -59.5 |
|---|
| Purchase of Equity Instruments | -115 |
|---|
| Proceeds from Sale of Equity Instruments | 35.1 |
|---|
| Purchase of Mutual Funds | -56.6 |
|---|
| Proceeds from Sale of Mutual Funds | 2.6 |
|---|
| Purchase of Debentures | -96.7 |
|---|
| Proceeds from Sale of Debentures | 20.0 |
|---|
| Investments in Deposits | -1,818 |
|---|
| Maturity of Deposits | 1,161 |
|---|
| Interest Income Received | 688 |
|---|
| Dividend Received | 5.5 |
|---|
| Loans Against Insurance Policies | -168 |
|---|
| Net Cash Flow from Financing Activities | -101 |
|---|
| Dividend Paid | -100 |
|---|
| Net Change in Cash | 274 |
|---|
| Closing Cash & Cash Equivalents | 587 |
|---|
NLICL 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 | 870 | 543 | 548 | 571 | 767 | 459 | 464 | 485 | 617 |
|---|
| Gross Earned Premiums | 985 | 639 | 609 | 654 | 848 | 466 | 470 | 491 | 632 |
|---|
| Premiums Ceded | -114 | -96.1 | -61.1 | -83.8 | -81.6 | -6.6 | -6.0 | -6.4 | -15.2 |
|---|
| Other Income | 230 | 194 | 194 | 200 | 209 | 172 | 176 | 187 | 196 |
|---|
| Commission Income | 3.0 | 19.1 | 9.4 | 11.0 | 9.2 | 1.8 | 1.4 | 1.7 | -3.3 |
|---|
| Other Direct Income | 7.2 | 3.0 | 1.4 | 3.9 | 5.8 | 1.3 | 2.5 | 2.3 | 2.0 |
|---|
| Interest Income on Loan to Policyholders | 36.8 | 26.4 | 31.9 | 34.0 | 31.8 | 25.3 | 30.5 | 29.9 | 48.9 |
|---|
| Income from Investments and Loans | 183 | 139 | 152 | 147 | 154 | 141 | 142 | 150 | 148 |
|---|
| Net Gain/(Loss) on Fair Value Changes | -0.64 | 3.0 | 1.6 | -1.2 | 3.9 | 1.1 | -0.78 | 1.5 | 0.12 |
|---|
| Net Realised Gains/(Losses) | -0.34 | 0.44 | 0.14 | 0.25 | 1.2 | 1.4 | 0.07 | 1.1 | 0.03 |
|---|
| Other Income | 0.71 | 2.6 | -2.4 | 5.8 | 2.6 | 0.00 | 0.00 | 0.00 | 0.17 |
|---|
| Total Income | 1,101 | 736 | 742 | 771 | 976 | 631 | 639 | 672 | 812 |
|---|
| Net Benefits and Claims Paid | -925 | -565 | -578 | -643 | -797 | -492 | -522 | -548 | -678 |
|---|
| Gross Benefits and Claims Paid | -586 | -335 | -456 | -354 | -400 | -298 | -247 | -229 | -306 |
|---|
| Claims Ceded | 112 | 44.8 | 51.1 | 48.7 | 53.2 | 3.0 | 3.1 | 2.5 | 3.6 |
|---|
| Gross Change in Contract Liabilities | -516 | -204 | -248 | -459 | -470 | -199 | -278 | -321 | -376 |
|---|
| Change in Contract Liabilities Ceded to Reinsurers | 64.1 | -71.4 | 75.3 | 120 | 19.5 | 1.6 | 0.05 | -0.15 | 0.47 |
|---|
| Other Expenses | -154 | -139 | -112 | -108 | -157 | -109 | -80.2 | -82.4 | -109 |
|---|
| Commission Expenses | -69.3 | -69.9 | -48.4 | -49.9 | -72.6 | -64.9 | -40.9 | -42.6 | -67.2 |
|---|
| Service Fees | -6.5 | -4.0 | -4.1 | -4.4 | -5.6 | -3.4 | -3.5 | -3.6 | -4.6 |
|---|
| Other Direct Expenses | 0.90 | -0.99 | -0.11 | -0.16 | -1.0 | Not reported | Not reported | Not reported | Not reported |
|---|
| Employee Benefits Expenses | -23.9 | -24.8 | -17.4 | -25.5 | -24.8 | -13.2 | -10.6 | -14.4 | -12.4 |
|---|
| Depreciation and Amortization Expenses | -5.6 | -2.6 | -2.1 | -2.6 | -5.4 | -1.2 | -0.98 | -0.98 | -0.90 |
|---|
| Impairment Losses | -0.98 | -4.8 | Not reported | Not reported | -0.01 | Not reported | Not reported | Not reported | Not reported |
|---|
| Other Operating Expenses | -45.9 | -31.9 | -39.6 | -25.5 | -44.2 | -26.2 | -24.2 | -20.7 | -23.6 |
|---|
| Finance Cost | -3.0 | -0.43 | -0.16 | -0.39 | -2.8 | -0.11 | 0.00 | -0.05 | -0.03 |
|---|
| Total Expenses | -1,080 | -705 | -690 | -752 | -953 | -601 | -602 | -631 | -787 |
|---|
| Profit Before Tax | 21.1 | 31.6 | 52.7 | 18.9 | 22.3 | 29.2 | 37.4 | 41.1 | 25.3 |
|---|
| Net Profit for the Year | -3.9 | 17.5 | 27.2 | 3.7 | 5.4 | 13.9 | 13.5 | 15.2 | 1.9 |
|---|
| Income Tax Expenses | -25.0 | -14.1 | -25.5 | -15.2 | -16.9 | -15.3 | -23.9 | -25.9 | -23.4 |
|---|
National Life Insurance share price history
Over the last 15 trading sessions NLICL closed between Rs. 538.40 and Rs. 582.00, finishing at Rs. 582.00 on 2026-09-22 against Rs. 560.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 580.90 | 585.00 | 580.00 | 582.00 | 22,517 |
|---|
| 2026-09-18 | 575.00 | 587.00 | 573.30 | 582.00 | 46,056 |
|---|
| 2026-09-17 | 578.00 | 579.00 | 568.10 | 578.90 | 16,843 |
|---|
| 2026-09-16 | 579.50 | 579.90 | 564.00 | 564.00 | 14,943 |
|---|
| 2026-09-15 | 590.00 | 590.00 | 557.80 | 578.90 | 45,566 |
|---|
| 2026-09-14 | 565.00 | 568.00 | 558.00 | 565.00 | 3,009 |
|---|
| 2026-09-11 | 551.00 | 558.00 | 546.20 | 558.00 | 7,668 |
|---|
| 2026-09-10 | 551.00 | 560.00 | 545.00 | 558.00 | 4,994 |
|---|
| 2026-09-09 | 546.30 | 557.40 | 546.00 | 550.20 | 6,589 |
|---|
| 2026-09-07 | 550.30 | 555.10 | 550.00 | 550.30 | 5,233 |
|---|
| 2026-09-03 | 553.00 | 560.90 | 550.00 | 550.00 | 5,530 |
|---|
| 2026-09-02 | 553.00 | 553.00 | 547.20 | 551.70 | 9,348 |
|---|
| 2026-09-01 | 554.50 | 554.50 | 545.10 | 547.30 | 8,302 |
|---|
| 2026-08-31 | 555.00 | 564.90 | 538.40 | 538.40 | 12,662 |
|---|
| 2026-08-26 | 560.00 | 560.50 | 551.40 | 560.00 | 5,300 |
|---|
NLICL share price by year
2026, between Rs. 538.40 and Rs. 638.90, 2025, between Rs. 518.27 and Rs. 675.82, 2024, between Rs. 459.02 and Rs. 710.71, 2023, between Rs. 441.08 and Rs. 609.77, 2022, between Rs. 353.84 and Rs. 702.41 and 2021, between Rs. 464.70 and Rs. 840.63.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 538.40 | 638.90 | 167 |
|---|
| 2025 | 518.27 | 675.82 | 225 |
|---|
| 2024 | 459.02 | 710.71 | 232 |
|---|
| 2023 | 441.08 | 609.77 | 227 |
|---|
| 2022 | 353.84 | 702.41 | 242 |
|---|
| 2021 | 464.70 | 840.63 | 239 |
|---|
| 2020 | 257.26 | 652.09 | 184 |
|---|
| 2019 | 220.43 | 386.26 | 245 |
|---|
| 2018 | 274.67 | 490.28 | 234 |
|---|
| 2017 | 376.39 | 645.95 | 230 |
|---|
| 2016 | 450.77 | 680.86 | 232 |
|---|
| 2015 | 303.05 | 488.56 | 210 |
|---|
National Life Insurance share price returns
At Rs. 582.00 on 2026-09-22, NLICL is up 0.54% over 1 week, up 3.56% over 1 month, up 1.59% over 3 months, down 5.21% over 6 months, up 4.60% over 1 year and down 5.16% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.
| Period | Return | From price (Rs.) | From date |
|---|
| 1 week | +0.54% | 578.90 | 2026-09-15 |
|---|
| 1 month | +3.56% | 562.00 | 2026-08-21 |
|---|
| 3 months | +1.59% | 572.90 | 2026-06-24 |
|---|
| 6 months | -5.21% | 614.00 | 2026-03-26 |
|---|
| 1 year | +4.60% | 556.40 | 2025-09-21 |
|---|
| 5 years | -5.16% | 613.64 | 2021-09-23 |
|---|
NLICL floorsheet for 2026-09-22
NLICL traded 55 times on 2026-09-22, moving 22,517 shares for Rs. 1.31 crore of turnover. Trades went through between Rs. 580.00 and Rs. 585.00.
Largest buyers by volume: broker 94, K.B.L. Securities Limited on 6,165 shares across 14 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 5,730 shares across 2 trades, broker 45, Imperial Securities Co. Limited on 3,690 shares across 16 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 3,000 shares across 1 trades, broker 34, Vision Securities Pvt.Limited on 2,010 shares across 3 trades, broker 47, Neev Securities Pvt.Ltd on 617 shares across 3 trades, broker 51, Oxford Securities Pvt.Ltd on 500 shares across 4 trades, broker 22, Siprabi Securities Pvt. Limited on 320 shares across 4 trades, broker 54, Sewa Securities Pvt. Ltd. on 180 shares across 3 trades and broker 42, Sani Securities Company Limited on 150 shares across 2 trades.
Largest sellers by volume: broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 7,589 shares across 5 trades, broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 5,017 shares across 4 trades, broker 91, C.B.I.L. Securities Limited on 3,000 shares across 1 trades, broker 34, Vision Securities Pvt.Limited on 2,834 shares across 10 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 858 shares across 3 trades, broker 56, Sri Hari Securities Pvt.Ltd on 594 shares across 2 trades, broker 25, Sweta Securities Pvt. Limited on 500 shares across 1 trades, broker 75, NIMB Stock Markets Limited on 481 shares across 3 trades, broker 58, Naasa Securities Co. Ltd. on 384 shares across 4 trades and broker 29, Trishul Securities And Investment Limited on 307 shares across 2 trades.
NLICL dividend history: bonus shares and cash dividend
National Life Insurance Co. Ltd. most recently declared a 4% bonus share issue and an 8.5% cash dividend, 12.5% 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% | 8.5% | 2025-12-23 |
| 2080/2081 | 5% | 10% | 2025-05-28 |
| 2079/2080 | 4% | 10% | 2024-07-22 |
| 2078/2079 | 8% | 6.5% | 2023-04-13 |
| 2077/2078 | 15% | | 2022-11-03 |
For 2081/2082 National Life Insurance Co. Ltd. declared a 4% bonus share issue and an 8.5% cash dividend, 12.5% in total, announced on 2025-12-23.
For 2080/2081 National Life Insurance Co. Ltd. declared a 5% bonus share issue and a 10% cash dividend, 15% in total, announced on 2025-05-28.
For 2079/2080 National Life Insurance Co. Ltd. declared a 4% bonus share issue and a 10% cash dividend, 14% in total, announced on 2024-07-22.
For 2078/2079 National Life Insurance Co. Ltd. declared an 8% bonus share issue and a 6.5% cash dividend, 14.5% in total, announced on 2023-04-13.
For 2077/2078 National Life Insurance Co. Ltd. declared a 15% bonus share issue, announced on 2022-11-03.
NLICL general meetings
Annual and special general meetings National Life Insurance Co. Ltd. has called. A dividend is declared by the board and approved at the AGM.
- 38th AGM for 2081/2082: on 2026-01-14, at National Life Bhawan, Central Offie, Lazimpat, Kathmandu (10:30 AM)
- 37th AGM for 2080/2081: on 2025-06-19, at National Life Bhawan, Central Office, Lazimpat, Kathmandu (10:30 AM)
- 36th AGM for 2079/2080: on 2024-08-23, at Company's Head Office, Lazimpat, Kathmandu (10:30 AM)
2 years of annual statements and 9 quarters of results for NLICL, with charts and peer comparison, are free on NepView.
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