Nepal Micro Insurance Company Limited (NMIC) Share Price & Fundamentals
Nepal Micro Insurance (NMIC) share price is Rs. 836.30, down 1.03% on 2026-09-22. Open Rs. 850.00. High Rs. 851.10. Low Rs. 835.00. Volume 4,284.
Nepal Micro Insurance Company Limited is a NEPSE-listed company (NMIC), Non Life Insurance sector. Premium: Rs. 12.42 Crore. Net profit: Rs. 4.36 Crore. Net worth: Rs. 52.97 Crore.
About Nepal Micro Insurance Company Limited
Nepal Micro Insurance Company Limited is a NEPSE-listed non-life (micro) insurance company in Nepal, based in Bharatpur, Chitwan, operating under NFRS as mandated by the Nepal Insurance Authority.
Nepal Micro Insurance Company Limited (NMIC) has 75,00,000 shares outstanding. It listed on NEPSE in 2080.
NMIC key metrics
NMIC strengths
What Nepal Micro Insurance Company Limited's own accounts show in its favour, graded against the rest of its sector.
- Premiums collected grew 63.2% on last year, so the insurer is writing more business. (Premium Growth & Scale)
- Claims come to 46% of premiums, so policies are priced well. (Underwriting Performance)
- 81.3% of what it owns belongs to shareholders rather than policyholders and lenders. (Solvency)
- Premiums written directly with customers grew 27.2% on last year. (Premium Growth & Scale)
- Turns 16.9% of its income into profit once every cost is paid. (Profitability)
- Earns 9.5% on the money it holds, so those funds are well invested. (Investment Performance)
- Holds 133.2% against premiums for cover that has not yet run out, a healthy buffer. (Liability Strength)
- The number of policies issued grew 18.1% on last year. (Premium Growth & Scale)
- Has 53.7% set aside against claims already reported, so it is well prepared to pay. (Claims & Reserving)
- The company grew 19.5% bigger over the year. (Shareholder Returns)
NMIC weaknesses
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
- Claims and costs together are 152.2% of premiums. Above 100% means it loses money on insurance and relies on investments. (Underwriting Performance)
- Earns only 0.1% a year on shareholders' money, below what owners would hope for. (Profitability)
- Each share earned only Rs 5.81 of profit over the year. (Shareholder Returns)
- Running costs take 106.2% of premiums, a heavy load on what customers pay in. (Underwriting Performance)
- Only 1.8% of customers renew, so it loses much of the business it wins. (Claims & Reserving)
- Keeps only 15.4% of premiums written, so most income goes to reinsurers. (Underwriting Performance)
- Passes most risk on, keeping only 41.8%, so much of the premium goes elsewhere. (Claims & Reserving)
- Earns only 0.1% a year on everything it owns, so its money is not working hard. (Profitability)
- Only 12.3% is set aside to meet the policies it has written, which is light. (Liability Strength)
- Holds 2.03x of the required safety capital, close to the 1.5 times the regulator sets. (Solvency)
- Only 13.5% of income comes from investments, so it depends on premiums alone. (Investment Performance)
NMIC Q4 2082/83 results
In Q4 2082/83 Nepal Micro Insurance Company Limited reported profit of Rs. 1.71 crore and net earned premiums of Rs. 6.88 crore. Profit in Q3 2082/83 was Rs. 1.2 crore. Profit grew 42.89% on the previous quarter. Net earned premiums grew 227.01% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 0.22 crore. Profit grew 692.46% on the same quarter last year. Net earned premiums grew 221.30% on the same quarter last year.
NMIC annual results 2082/83
For the financial year 2082/83 Nepal Micro Insurance Company Limited reported net profit of Rs. 4.36 crore, net earned premiums of Rs. 12.42 crore and net worth of Rs. 52.97 crore. Net profit in 2081/82 was Rs. 0.28 crore. Net earned premiums grew 63.24% on the year.
NMIC profit and loss for 2082/83
In the financial year 2082/83, Nepal Micro Insurance Company Limited reported net earned premiums of Rs. 12.42 crore, other income of Rs. 7.29 crore, total income of Rs. 25.77 crore, net claims incurred of Rs. 5.71 crore, other expenses of Rs. 13.97 crore, total expenses of Rs. 19.68 crore, profit before tax of Rs. 6.09 crore and net profit for the year of Rs. 4.36 crore.
Reported under net earned premiums: gross earned premiums of Rs. 29.7 crore and premiums ceded of Rs. 17.29 crore. Reported under other income: commission income of Rs. 3.83 crore, income from investments & loans of Rs. 3.47 crore and net realised gains/(losses) of Rs. 0.01 crore. Reported under net claims incurred: gross claims paid of Rs. 8.63 crore, claims ceded of Rs. 5.19 crore, gross change in contract liabilities of Rs. 5.91 crore and change in contract liabilities ceded to reinsurers of Rs. 3.64 crore. Reported under other expenses: commission expenses of Rs. 0.25 crore, service fees of Rs. 0.07 crore, employee benefits expenses of Rs. 7.13 crore, depreciation and amortization expenses of Rs. 0.65 crore, other operating expenses of Rs. 5.8 crore and finance cost of Rs. 0.06 crore. Reported under net profit for the year: income tax expense of Rs. 1.73 crore.
NMIC profit and loss for 2081/82
In the financial year 2081/82, Nepal Micro Insurance Company Limited reported net earned premiums of Rs. 7.61 crore, other income of Rs. 6.95 crore, total income of Rs. 14.13 crore, net claims incurred of Rs. 2.75 crore, other expenses of Rs. 10.97 crore, total expenses of Rs. 13.72 crore, profit before tax of Rs. 0.4 crore and net profit for the year of Rs. 0.28 crore.
Reported under net earned premiums: gross earned premiums of Rs. 19.37 crore and premiums ceded of Rs. 11.76 crore. Reported under other income: commission income of Rs. 1.82 crore, other direct income of Rs. 0 crore, income from investments & loans of Rs. 3.97 crore, net gain/(loss) on fair value changes of Rs. 1.22 crore, net realised gains/(losses) of Rs. 2.38 crore and other income of Rs. 0.01 crore. Reported under net claims incurred: gross claims paid of Rs. 5.38 crore, claims ceded of Rs. 3.43 crore, gross change in contract liabilities of Rs. 2.3 crore and change in contract liabilities ceded to reinsurers of Rs. 1.49 crore. Reported under other expenses: commission expenses of Rs. 0.11 crore, service fees of Rs. 0.05 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 5.78 crore, depreciation and amortization expenses of Rs. 0.61 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 4.32 crore and finance cost of Rs. 0.09 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 expense of Rs. 0.12 crore.
NMIC profit and loss for 2080/81
In the financial year 2080/81, Nepal Micro Insurance Company Limited reported net earned premiums of Rs. 1.26 crore, other income of Rs. 5.92 crore, total income of Rs. 7.18 crore, net claims incurred of Rs. 0.77 crore, other expenses of Rs. 6.21 crore, total expenses of Rs. 6.98 crore, profit before tax of Rs. 0.2 crore and net profit for the year of Rs. 0.05 crore.
Reported under net earned premiums: gross earned premiums of Rs. 3.48 crore and premiums ceded of Rs. 2.22 crore. Reported under other income: commission income of Rs. 1.21 crore, other direct income of Rs. 0 crore, income from investments & loans of Rs. 4.6 crore, net gain/(loss) on fair value changes of Rs. 0 crore, net realised gains/(losses) of Rs. 0 crore and other income of Rs. 0.11 crore. Reported under net claims incurred: gross claims paid of Rs. 0.67 crore, claims ceded of Rs. 0.38 crore, gross change in contract liabilities of Rs. 1.17 crore and change in contract liabilities ceded to reinsurers of Rs. 0.69 crore. Reported under other expenses: commission expenses of Rs. 0.03 crore, service fees of Rs. 0.02 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 3.85 crore, depreciation and amortization expenses of Rs. 0.52 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 1.69 crore and finance cost of Rs. 0.11 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 expense of Rs. 0.15 crore.
NMIC balance sheet for 2080/81
In the financial year 2080/81, Nepal Micro Insurance Company Limited reported total assets of Rs. 65.18 crore, total liabilities of Rs. 12.22 crore and total equity of Rs. 52.97 crore.
Reported under total assets: goodwill & intangible assets of Rs. 1.14 crore, property and equipment of Rs. 3.51 crore, investment properties of Rs. 0 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. 48.36 crore, loans of Rs. 0 crore, reinsurance assets of Rs. 5.08 crore, current tax assets of Rs. 1.13 crore, insurance receivables of Rs. 0 crore, other assets of Rs. 0.14 crore, other financial assets of Rs. 0.08 crore and cash and cash equivalent of Rs. 5.74 crore. Reported under total liabilities: provisions of Rs. 0.14 crore, gross insurance contract liabilities of Rs. 8.01 crore, deferred tax liabilities of Rs. 0.01 crore, insurance payables of Rs. 2.31 crore, current tax liabilities of Rs. 0 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 1.65 crore and other financial liabilities of Rs. 0.1 crore. Reported under total equity: share capital of Rs. 52.5 crore, share application money pending allotment of Rs. 0 crore, share premium of Rs. 0 crore, special reserves of Rs. 0.24 crore, catastrophe reserves of Rs. 0.02 crore, retained earnings of Rs. 0.2 crore and other equity of Rs. 0 crore.
NMIC balance sheet for 2079/80
In the financial year 2079/80, Nepal Micro Insurance Company Limited reported total assets of Rs. 54.56 crore, total liabilities of Rs. 1.64 crore and total equity of Rs. 52.92 crore.
Reported under total assets: goodwill & intangible assets of Rs. 1.11 crore, property and equipment of Rs. 2.91 crore, investment properties of Rs. 0 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. 46.75 crore, loans of Rs. 0.09 crore, reinsurance assets of Rs. 0 crore, current tax assets of Rs. 0.08 crore, insurance receivables of Rs. 0 crore, other assets of Rs. 0.33 crore, other financial assets of Rs. 0.08 crore and cash and cash equivalent of Rs. 3.21 crore. Reported under total liabilities: provisions of Rs. 0.03 crore, gross insurance contract liabilities of Rs. 0 crore, deferred tax liabilities of Rs. 0.01 crore, insurance payables of Rs. 0 crore, current tax liabilities of Rs. 0 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 1.44 crore and other financial liabilities of Rs. 0.16 crore. Reported under total equity: share capital of Rs. 52.5 crore, share application money pending allotment of Rs. 0 crore, share premium of Rs. 0 crore, special reserves of Rs. 0.21 crore, catastrophe reserves of Rs. 0.02 crore, retained earnings of Rs. 0.18 crore and other equity of Rs. 0 crore.
NMIC cash flow for 2080/81
In the financial year 2080/81, Nepal Micro Insurance Company Limited reported opening cash & cash equivalents of Rs. 3.21 crore, net cash flow from operating activities of Rs. 7.54 crore, net cash flow from investing activities of Rs. 5.01 crore, net cash flow from financing activities of Rs. 0 crore, net change in cash of Rs. 2.53 crore and closing cash & cash equivalents of Rs. 5.74 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 10.32 crore, reinsurance commission received of Rs. 1.4 crore, claim recovery received from reinsurers of Rs. 0.38 crore, other direct income received of Rs. 0.19 crore, other income received of Rs. 0 crore, gross benefits and claims paid of Rs. 0.67 crore, reinsurance premium paid of Rs. 2.31 crore, commission paid of Rs. 0.03 crore, service fees paid of Rs. 0.05 crore, employee benefits expenses paid of Rs. 3.82 crore, other expenses paid of Rs. 1.44 crore, other direct expenses paid of Rs. 0 crore, changes in working capital of Rs. 0 crore and income tax paid of Rs. 1.05 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.03 crore, acquisitions of property & equipment of Rs. 1.12 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. 8.54 crore, maturity of deposits of Rs. 0 crore, rental income received of Rs. 0 crore, interest income received of Rs. 4.6 crore and dividend received of Rs. 0 crore. Reported under net cash flow from financing activities: payment of finance lease of Rs. 0 crore, proceeds from issue of share capital of Rs. 0 crore, dividend paid of Rs. 0 crore and proceeds from share application money pending allotment of Rs. 0 crore.
NMIC cash flow for 2079/80
In the financial year 2079/80, Nepal Micro Insurance Company Limited reported opening cash & cash equivalents of Rs. 0 crore, net cash flow from operating activities of Rs. 0.03 crore, net cash flow from investing activities of Rs. 49.29 crore, net cash flow from financing activities of Rs. 52.47 crore, net change in cash of Rs. 3.21 crore and closing cash & cash equivalents of Rs. 3.21 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 0 crore, reinsurance commission received of Rs. 0 crore, claim recovery received from reinsurers of Rs. 0 crore, other direct income received of Rs. 0 crore, other income received of Rs. 0 crore, gross benefits and claims paid of Rs. 0 crore, reinsurance premium paid of Rs. 0 crore, commission paid of Rs. 0 crore, service fees paid of Rs. 0 crore, employee benefits expenses paid of Rs. 0.58 crore, other expenses paid of Rs. 0.27 crore, other direct expenses paid of Rs. 0 crore, changes in working capital of Rs. 1.05 crore and income tax paid of Rs. 0.17 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0 crore, acquisitions of property & equipment of Rs. 4.22 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. 46.75 crore, maturity of deposits of Rs. 0 crore, rental income received of Rs. 0 crore, interest income received of Rs. 1.68 crore and dividend received of Rs. 0 crore. Reported under net cash flow from financing activities: payment of finance lease of Rs. 0 crore, proceeds from issue of share capital of Rs. 52.5 crore, dividend paid of Rs. 0 crore and proceeds from share application money pending allotment of Rs. 0 crore.
NMIC quarterly for Q4 2082/83
In the quarter Q4 2082/83, Nepal Micro Insurance Company Limited reported net earned premiums of Rs. 6.88 crore, other income of Rs. 1.99 crore, total income of Rs. 8.87 crore, net claims incurred of Rs. 2.04 crore, other expenses of Rs. 4.39 crore, total expenses of Rs. 6.43 crore, profit before tax of Rs. 2.44 crore and net profit for the year of Rs. 1.71 crore.
Reported under net earned premiums: gross earned premiums of Rs. 15.87 crore and premiums ceded of Rs. 8.99 crore. Reported under other income: commission income of Rs. 2.08 crore, income from investments & loans of Rs. 1.05 crore, net gain/(loss) on fair value changes of Rs. 1.12 crore and net realised gains/(losses) of Rs. 0.01 crore. Reported under net claims incurred: gross claims paid of Rs. 3.55 crore, claims ceded of Rs. 1.97 crore, gross change in contract liabilities of Rs. 1.18 crore and change in contract liabilities ceded to reinsurers of Rs. 0.72 crore. Reported under other expenses: commission expenses of Rs. 0.13 crore, service fees of Rs. 0.01 crore, employee benefits expenses of Rs. 2.74 crore, depreciation and amortization expenses of Rs. 0.01 crore, other operating expenses of Rs. 1.49 crore and finance cost of Rs. 0.01 crore. Reported under net profit for the year: income tax expense of Rs. 0.73 crore.
NMIC quarterly for Q3 2082/83
In the quarter Q3 2082/83, Nepal Micro Insurance Company Limited reported net earned premiums of Rs. 2.1 crore, other income of Rs. 1.39 crore, total income of Rs. 3.49 crore, net claims incurred of Rs. 0.65 crore, other expenses of Rs. 1.14 crore, total expenses of Rs. 1.78 crore, profit before tax of Rs. 1.71 crore and net profit for the year of Rs. 1.2 crore.
Reported under net earned premiums: gross earned premiums of Rs. 5.01 crore and premiums ceded of Rs. 2.9 crore. Reported under other income: commission income of Rs. 0.6 crore, other direct income of Rs. 0 crore, income from investments & loans of Rs. 0.79 crore and net realised gains/(losses) of Rs. 0 crore. Reported under net claims incurred: gross claims paid of Rs. 2.01 crore, claims ceded of Rs. 1.24 crore, gross change in contract liabilities of Rs. 1.88 crore and change in contract liabilities ceded to reinsurers of Rs. 1.76 crore. Reported under other expenses: commission expenses of Rs. 0.04 crore, service fees of Rs. 0.02 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 0.58 crore, depreciation and amortization expenses of Rs. 0.22 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 0.26 crore and finance cost of Rs. 0.01 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 expense of Rs. 0.51 crore.
NMIC quarterly for Q2 2082/83
In the quarter Q2 2082/83, Nepal Micro Insurance Company Limited reported net earned premiums of Rs. 0.81 crore, other income of Rs. 6.65 crore, total income of Rs. 7.46 crore, net claims incurred of Rs. 1.18 crore, other expenses of Rs. 5.38 crore, total expenses of Rs. 6.55 crore, profit before tax of Rs. 0.9 crore and net profit for the year of Rs. 0.63 crore.
Reported under net earned premiums: gross earned premiums of Rs. 2 crore and premiums ceded of Rs. 1.19 crore. Reported under other income: commission income of Rs. 0.22 crore, other direct income of Rs. 0 crore, income from investments & loans of Rs. 0.9 crore, net gain/(loss) on fair value changes of Rs. 5.32 crore, net realised gains/(losses) of Rs. 0 crore and other income of Rs. 0.21 crore. Reported under net claims incurred: gross claims paid of Rs. 1.81 crore, claims ceded of Rs. 1.14 crore, gross change in contract liabilities of Rs. 1.48 crore and change in contract liabilities ceded to reinsurers of Rs. 0.97 crore. Reported under other expenses: commission expenses of Rs. 0.02 crore, service fees of Rs. 0.02 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 2.35 crore, depreciation and amortization expenses of Rs. 0.26 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 2.71 crore and finance cost of Rs. 0.01 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 expense of Rs. 0.27 crore.
NMIC quarterly for Q1 2082/83
In the quarter Q1 2082/83, Nepal Micro Insurance Company Limited reported net earned premiums of Rs. 2.63 crore, other income of Rs. 3.32 crore, total income of Rs. 5.95 crore, net claims incurred of Rs. 1.85 crore, other expenses of Rs. 3.07 crore, total expenses of Rs. 4.91 crore, profit before tax of Rs. 1.03 crore and net profit for the year of Rs. 0.82 crore.
Reported under net earned premiums: gross earned premiums of Rs. 6.83 crore and premiums ceded of Rs. 4.2 crore. Reported under other income: commission income of Rs. 0.93 crore, other direct income of Rs. 0 crore, income from investments & loans of Rs. 0.74 crore, net gain/(loss) on fair value changes of Rs. 1.65 crore, net realised gains/(losses) of Rs. 0 crore and other income of Rs. 0 crore. Reported under net claims incurred: gross claims paid of Rs. 1.27 crore, claims ceded of Rs. 0.84 crore, gross change in contract liabilities of Rs. 5.12 crore and change in contract liabilities ceded to reinsurers of Rs. 3.71 crore. Reported under other expenses: commission expenses of Rs. 0.06 crore, service fees of Rs. 0.02 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 1.47 crore, depreciation and amortization expenses of Rs. 0.16 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 1.35 crore and finance cost of Rs. 0.02 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 expense of Rs. 0.21 crore.
NMIC Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 |
|---|
| Net Earned Premiums | 12.4 | 7.6 | 1.3 | 0.00 |
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| Gross Earned Premiums | 29.7 | 19.4 | 3.5 | 0.00 |
|---|
| Premiums Ceded | -17.3 | -11.8 | -2.2 | -0.00 |
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| Other Income | 7.3 | 7.0 | 5.9 | 1.7 |
|---|
| Commission Income | 3.8 | 1.8 | 1.2 | 0.00 |
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| Other Direct Income | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Income from Investments & Loans | 3.5 | 4.0 | 4.6 | 1.7 |
|---|
| Net Gain/(Loss) on Fair Value Changes | Not reported | -1.2 | 0.00 | 0.00 |
|---|
| Net Realised Gains/(Losses) | -0.01 | 2.4 | 0.00 | 0.00 |
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| Other Income | Not reported | 0.01 | 0.11 | 0.00 |
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| Total Income | 25.8 | 14.1 | 7.2 | 1.7 |
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| Net Claims Incurred | -5.7 | -2.8 | -0.77 | 0.00 |
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| Gross Claims Paid | -8.6 | -5.4 | -0.67 | 0.00 |
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| Claims Ceded | 5.2 | 3.4 | 0.38 | 0.00 |
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| Gross Change in Contract Liabilities | -5.9 | -2.3 | -1.2 | 0.00 |
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| Change in Contract Liabilities Ceded to Reinsurers | 3.6 | 1.5 | 0.69 | 0.00 |
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| Other Expenses | -14.0 | -11.0 | -6.2 | -1.1 |
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| Commission Expenses | -0.25 | -0.11 | -0.03 | 0.00 |
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| Service Fees | -0.07 | -0.05 | -0.02 | -0.00 |
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| Other Direct Expenses | Not reported | 0.00 | 0.00 | 0.00 |
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| Employee Benefits Expenses | -7.1 | -5.8 | -3.8 | -0.58 |
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| Depreciation and Amortization Expenses | -0.65 | -0.61 | -0.52 | -0.21 |
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| Impairment Losses | Not reported | 0.00 | 0.00 | 0.00 |
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| Other Operating Expenses | -5.8 | -4.3 | -1.7 | -0.27 |
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| Finance Cost | -0.06 | -0.09 | -0.11 | -0.03 |
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| Total Expenses | -19.7 | -13.7 | -7.0 | -1.1 |
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| Profit Before Tax | 6.1 | 0.40 | 0.20 | 0.60 |
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| Share of Net Profit of Associates (Equity Method) | Not reported | 0.00 | 0.00 | 0.00 |
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| Net Profit for the Year | 4.4 | 0.28 | 0.05 | 0.42 |
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| Income Tax Expense | -1.7 | -0.12 | -0.15 | -0.18 |
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NMIC Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2080/81 | 2079/80 |
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| Total Assets | 65.2 | 54.6 |
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| Goodwill & Intangible Assets | 1.1 | 1.1 |
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| Property and Equipment | 3.5 | 2.9 |
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| Investment Properties | 0.00 | 0.00 |
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| Deferred Tax Assets | 0.00 | 0.00 |
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| Investment in Subsidiaries | 0.00 | 0.00 |
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| Investment in Associates | 0.00 | 0.00 |
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| Investments | 48.4 | 46.8 |
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| Loans | 0.00 | 0.09 |
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| Reinsurance Assets | 5.1 | 0.00 |
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| Current Tax Assets | 1.1 | 0.08 |
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| Insurance Receivables | 0.00 | 0.00 |
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| Other Assets | 0.14 | 0.33 |
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| Other Financial Assets | 0.08 | 0.08 |
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| Cash and Cash Equivalent | 5.7 | 3.2 |
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| Total Liabilities | 12.2 | 1.6 |
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| Provisions | 0.14 | 0.03 |
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| Gross Insurance Contract Liabilities | 8.0 | 0.00 |
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| Deferred Tax Liabilities | 0.01 | 0.01 |
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| Insurance Payables | 2.3 | 0.00 |
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| Current Tax Liabilities | 0.00 | 0.00 |
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| Borrowings | 0.00 | 0.00 |
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| Other Liabilities | 1.6 | 1.4 |
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| Other Financial Liabilities | 0.10 | 0.16 |
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| Total Equity | 53.0 | 52.9 |
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| Share Capital | 52.5 | 52.5 |
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| Share Application Money Pending Allotment | 0.00 | 0.00 |
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| Share Premium | 0.00 | 0.00 |
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| Special Reserves | 0.24 | 0.21 |
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| Catastrophe Reserves | 0.02 | 0.02 |
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| Retained Earnings | 0.20 | 0.18 |
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| Other Equity | 0.00 | 0.00 |
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NMIC Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2080/81 | 2079/80 |
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| Opening Cash & Cash Equivalents | 3.2 | 0.00 |
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| Net Cash Flow from Operating Activities | 7.5 | 0.03 |
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| Gross Premium Received | 10.3 | 0.00 |
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| Reinsurance Commission Received | 1.4 | 0.00 |
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| Claim Recovery Received from Reinsurers | 0.38 | 0.00 |
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| Other Direct Income Received | 0.19 | 0.00 |
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| Other Income Received | 0.00 | 0.00 |
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| Gross Benefits and Claims Paid | -0.67 | 0.00 |
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| Reinsurance Premium Paid | 2.3 | -0.00 |
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| Commission Paid | -0.03 | 0.00 |
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| Service Fees Paid | -0.05 | -0.00 |
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| Employee Benefits Expenses Paid | -3.8 | -0.58 |
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| Other Expenses Paid | -1.4 | -0.27 |
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| Other Direct Expenses Paid | 0.00 | 0.00 |
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| Changes in Working Capital | 0.00 | 1.0 |
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| Income Tax Paid | -1.0 | -0.17 |
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| Net Cash Flow from Investing Activities | -5.0 | -49.3 |
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| Acquisitions of Intangible Assets | -0.03 | 0.00 |
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| Acquisitions of Property & Equipment | -1.1 | -4.2 |
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| Purchase of Equity Instruments | 0.00 | 0.00 |
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| Proceeds from Sale of Equity Instruments | 0.00 | 0.00 |
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| Purchase of Debentures | 0.00 | 0.00 |
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| Investments in Deposits | -8.5 | -46.8 |
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| Maturity of Deposits | 0.00 | 0.00 |
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| Rental Income Received | 0.00 | 0.00 |
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| Interest Income Received | 4.6 | 1.7 |
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| Dividend Received | 0.00 | 0.00 |
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| Net Cash Flow from Financing Activities | 0.00 | 52.5 |
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| Payment of Finance Lease | 0.00 | 0.00 |
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| Proceeds from Issue of Share Capital | 0.00 | 52.5 |
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| Dividend Paid | 0.00 | 0.00 |
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| Proceeds from Share Application Money Pending Allotment | 0.00 | 0.00 |
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| Net Change in Cash | 2.5 | 3.2 |
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| Closing Cash & Cash Equivalents | 5.7 | 3.2 |
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NMIC 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 |
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| Net Earned Premiums | 6.9 | 2.1 | 0.81 | 2.6 | 2.1 | 1.7 | 2.3 | 1.4 | 1.1 |
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| Gross Earned Premiums | 15.9 | 5.0 | 2.0 | 6.8 | 6.6 | 3.7 | 5.3 | 3.7 | 2.7 |
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| Premiums Ceded | -9.0 | -2.9 | -1.2 | -4.2 | -4.5 | -2.0 | -3.0 | -2.3 | -1.6 |
|---|
| Other Income | 2.0 | 1.4 | 6.6 | 3.3 | 0.82 | 3.0 | 1.3 | 1.8 | 1.7 |
|---|
| Commission Income | 2.1 | 0.60 | 0.22 | 0.93 | 0.81 | 0.10 | 0.27 | 0.63 | 0.30 |
|---|
| Other Direct Income | Not reported | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Income from Investments & Loans | 1.0 | 0.79 | 0.90 | 0.74 | 0.89 | 0.92 | 1.0 | 1.1 | 1.4 |
|---|
| Net Gain/(Loss) on Fair Value Changes | -1.1 | Not reported | 5.3 | 1.6 | -0.80 | -0.42 | 0.00 | 0.00 | 0.00 |
|---|
| Net Realised Gains/(Losses) | -0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 2.4 | 0.00 | 0.00 | 0.00 |
|---|
| Other Income | Not reported | Not reported | 0.21 | 0.00 | -0.08 | 0.03 | 0.03 | 0.02 | 0.02 |
|---|
| Total Income | 8.9 | 3.5 | 7.5 | 5.9 | 3.0 | 4.7 | 3.2 | 3.2 | 2.8 |
|---|
| Net Claims Incurred | -2.0 | -0.65 | -1.2 | -1.8 | -0.23 | -1.1 | -0.94 | -0.53 | -0.17 |
|---|
| Gross Claims Paid | -3.5 | -2.0 | -1.8 | -1.3 | -2.0 | -1.6 | -1.1 | -0.66 | -0.54 |
|---|
| Claims Ceded | 2.0 | 1.2 | 1.1 | 0.84 | 1.2 | 1.0 | 0.73 | 0.43 | 0.31 |
|---|
| Gross Change in Contract Liabilities | -1.2 | 1.9 | -1.5 | -5.1 | 1.2 | -1.3 | -1.4 | -0.80 | 0.12 |
|---|
| Change in Contract Liabilities Ceded to Reinsurers | 0.72 | -1.8 | 0.97 | 3.7 | -0.71 | 0.79 | 0.91 | 0.50 | -0.06 |
|---|
| Other Expenses | -4.4 | -1.1 | -5.4 | -3.1 | -2.4 | -3.7 | -2.3 | -2.6 | -3.1 |
|---|
| Commission Expenses | -0.13 | -0.04 | -0.02 | -0.06 | -0.05 | -0.00 | -0.03 | -0.03 | 0.00 |
|---|
| Service Fees | -0.01 | -0.02 | -0.02 | -0.02 | -0.01 | -0.02 | -0.02 | -0.01 | -0.01 |
|---|
| Other Direct Expenses | Not reported | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Employee Benefits Expenses | -2.7 | -0.58 | -2.3 | -1.5 | -2.0 | -1.2 | -1.2 | -1.4 | -1.3 |
|---|
| Depreciation and Amortization Expenses | -0.01 | -0.22 | -0.26 | -0.16 | -0.18 | -0.14 | -0.06 | -0.23 | -0.08 |
|---|
| Impairment Losses | Not reported | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Expenses | -1.5 | -0.26 | -2.7 | -1.3 | -0.12 | -2.3 | -0.94 | -0.99 | -1.7 |
|---|
| Finance Cost | -0.01 | -0.01 | -0.01 | -0.02 | -0.02 | -0.02 | -0.05 | 0.00 | -0.03 |
|---|
| Total Expenses | -6.4 | -1.8 | -6.6 | -4.9 | -2.7 | -4.7 | -3.2 | -3.2 | -6.7 |
|---|
| Profit Before Tax | 2.4 | 1.7 | 0.90 | 1.0 | 0.31 | 0.03 | 0.00 | 0.06 | 0.72 |
|---|
| Share of Net Profit of Associates (Equity Method) | Not reported | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Net Profit for the Year | 1.7 | 1.2 | 0.63 | 0.82 | 0.22 | 0.02 | 0.00 | 0.04 | 0.50 |
|---|
| Income Tax Expense | -0.73 | -0.51 | -0.27 | -0.21 | -0.09 | -0.01 | -0.00 | -0.02 | -0.22 |
|---|
Nepal Micro Insurance share price history
Over the last 15 trading sessions NMIC closed between Rs. 776.20 and Rs. 865.20, finishing at Rs. 836.30 on 2026-09-22 against Rs. 842.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 850.00 | 851.10 | 835.00 | 836.30 | 4,284 |
|---|
| 2026-09-18 | 832.00 | 852.00 | 832.00 | 845.00 | 3,351 |
|---|
| 2026-09-17 | 860.00 | 862.00 | 836.60 | 836.60 | 4,151 |
|---|
| 2026-09-16 | 860.00 | 878.80 | 820.00 | 840.00 | 5,392 |
|---|
| 2026-09-15 | 860.00 | 884.50 | 838.00 | 865.20 | 12,797 |
|---|
| 2026-09-14 | 791.00 | 828.80 | 791.00 | 825.00 | 4,211 |
|---|
| 2026-09-11 | 785.00 | 797.70 | 780.00 | 797.70 | 3,761 |
|---|
| 2026-09-10 | 765.30 | 780.00 | 765.30 | 776.20 | 1,314 |
|---|
| 2026-09-09 | 793.00 | 794.90 | 785.00 | 785.00 | 2,691 |
|---|
| 2026-09-07 | 777.00 | 798.00 | 777.00 | 793.00 | 3,305 |
|---|
| 2026-09-03 | 795.00 | 796.00 | 773.00 | 777.00 | 3,494 |
|---|
| 2026-09-02 | 772.00 | 795.00 | 771.00 | 785.00 | 880 |
|---|
| 2026-09-01 | 781.00 | 798.00 | 775.00 | 777.00 | 2,617 |
|---|
| 2026-08-31 | 800.00 | 805.00 | 776.10 | 790.00 | 4,801 |
|---|
| 2026-08-26 | 865.00 | 865.00 | 840.00 | 842.00 | 2,689 |
|---|
NMIC share price by year
2026, between Rs. 765.30 and Rs. 1,525.00 and 2025, between Rs. 302.30 and Rs. 2,703.30.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 765.30 | 1,525.00 | 168 |
|---|
| 2025 | 302.30 | 2,703.30 | 164 |
|---|
Nepal Micro Insurance share price returns
At Rs. 836.30 on 2026-09-22, NMIC is down 3.34% over 1 week, down 4.64% over 1 month, down 14.66% over 3 months, down 38.05% over 6 months and down 26.06% over 1 year. 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 | -3.34% | 865.20 | 2026-09-15 |
|---|
| 1 month | -4.64% | 877.00 | 2026-08-21 |
|---|
| 3 months | -14.66% | 980.00 | 2026-06-24 |
|---|
| 6 months | -38.05% | 1,350.00 | 2026-03-26 |
|---|
| 1 year | -26.06% | 1,131.00 | 2025-09-21 |
|---|
NMIC floorsheet for 2026-09-22
NMIC traded 109 times on 2026-09-22, moving 4,244 shares for Rs. 0.36 crore of turnover. Trades went through between Rs. 835.00 and Rs. 851.10.
Largest buyers by volume: broker 70, Infinity Securities Limited on 899 shares across 25 trades, broker 42, Sani Securities Company Limited on 659 shares across 7 trades, broker 1, Kumari Securities Pvt. Limited on 265 shares across 6 trades, broker 58, Naasa Securities Co. Ltd. on 253 shares across 4 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 220 shares across 6 trades, broker 60, Nagarik Stock Dealer Company Ltd. on 200 shares across 3 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 198 shares across 2 trades, broker 14, Nepal Stock House Pvt. Limited on 170 shares across 11 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 159 shares across 6 trades and broker 36, Secured Securities Limited on 140 shares across 3 trades.
Largest sellers by volume: broker 48, Trishakti Securities Public Limited on 904 shares across 10 trades, broker 32, Premier Securites Company Limited on 720 shares across 8 trades, broker 22, Siprabi Securities Pvt. Limited on 500 shares across 4 trades, broker 70, Infinity Securities Limited on 305 shares across 6 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 262 shares across 10 trades, broker 1, Kumari Securities Pvt. Limited on 260 shares across 4 trades, broker 14, Nepal Stock House Pvt. Limited on 240 shares across 2 trades, broker 58, Naasa Securities Co. Ltd. on 178 shares across 16 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 138 shares across 2 trades and broker 45, Imperial Securities Co. Limited on 115 shares across 1 trades.
NMIC general meetings
Annual and special general meetings Nepal Micro Insurance Company Limited has called. A dividend is declared by the board and approved at the AGM.
- 3rd AGM for 2081/2082: on 2026-04-23
- 2nd AGM for 2080/2081: on 2025-05-30, at Bharatpur Garden Resort, Bharatpur, Chitwan (11:00 AM)
- 1st AGM for 2079/2080: on 2024-03-04, at Head Office, Maharjan Complex, Bharatpur, Chitwan (11:00 AM)
4 years of annual statements and 9 quarters of results for NMIC, with charts and peer comparison, are free on NepView.
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