Nepal Micro Insurance Company Limited (NMIC) Share Price & Fundamentals

Nepal Micro Insurance (NMIC) share price is Rs. 784.40, down 0.71% on 2026-10-12. Open Rs. 772.00. High Rs. 790.00. Low Rs. 772.00. Volume 1,736.

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

Market CapRs. 588.30 Crore
P/E Ratio (TTM)134.95
EPSRs. 0.07
EPS (TTM)Rs. 5.81
Book ValueRs. 70.62
Dividend Yield0.00%
Face ValueRs. 100.00
52 Week HighRs. 1,525.00
52 Week LowRs. 765.30
Listed Since2080

NMIC strengths

What Nepal Micro Insurance Company Limited's own accounts show in its favour, graded against the rest of its sector.

NMIC weaknesses

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

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, proceeds from share application money pending allotment of Rs. 0 crore and other financing activities of Rs. 0.03 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.

Particulars2082/832081/822080/812079/80
Net Earned Premiums12.47.61.30.00
   Gross Earned Premiums29.719.43.50.00
   Premiums Ceded-17.3-11.8-2.2-0.00
Other Income7.37.05.91.7
   Commission Income3.81.81.20.00
   Other Direct IncomeNot reported0.000.000.00
   Income from Investments & Loans3.54.04.61.7
   Net Gain/(Loss) on Fair Value ChangesNot reported-1.20.000.00
   Net Realised Gains/(Losses)-0.012.40.000.00
   Other IncomeNot reported0.010.110.00
Total Income25.814.17.21.7
Net Claims Incurred-5.7-2.8-0.770.00
   Gross Claims Paid-8.6-5.4-0.670.00
   Claims Ceded5.23.40.380.00
   Gross Change in Contract Liabilities-5.9-2.3-1.20.00
   Change in Contract Liabilities Ceded to Reinsurers3.61.50.690.00
Other Expenses-14.0-11.0-6.2-1.1
   Commission Expenses-0.25-0.11-0.030.00
   Service Fees-0.07-0.05-0.02-0.00
   Other Direct ExpensesNot reported0.000.000.00
   Employee Benefits Expenses-7.1-5.8-3.8-0.58
   Depreciation and Amortization Expenses-0.65-0.61-0.52-0.21
   Impairment LossesNot reported0.000.000.00
   Other Operating Expenses-5.8-4.3-1.7-0.27
   Finance Cost-0.06-0.09-0.11-0.03
Total Expenses-19.7-13.7-7.0-1.1
Profit Before Tax6.10.400.200.60
   Share of Net Profit of Associates (Equity Method)Not reported0.000.000.00
Net Profit for the Year4.40.280.050.42
   Income Tax Expense-1.7-0.12-0.15-0.18

NMIC Balance Sheet

Values in Rs. Crore unless stated otherwise.

Particulars2080/812079/80
Total Assets65.254.6
   Goodwill & Intangible Assets1.11.1
   Property and Equipment3.52.9
   Investment Properties0.000.00
   Deferred Tax Assets0.000.00
   Investment in Subsidiaries0.000.00
   Investment in Associates0.000.00
   Investments48.446.8
   Loans0.000.09
   Reinsurance Assets5.10.00
   Current Tax Assets1.10.08
   Insurance Receivables0.000.00
   Other Assets0.140.33
   Other Financial Assets0.080.08
   Cash and Cash Equivalent5.73.2
Total Liabilities12.21.6
   Provisions0.140.03
   Gross Insurance Contract Liabilities8.00.00
   Deferred Tax Liabilities0.010.01
   Insurance Payables2.30.00
   Current Tax Liabilities0.000.00
   Borrowings0.000.00
   Other Liabilities1.61.4
   Other Financial Liabilities0.100.16
Total Equity53.052.9
   Share Capital52.552.5
   Share Application Money Pending Allotment0.000.00
   Share Premium0.000.00
   Special Reserves0.240.21
   Catastrophe Reserves0.020.02
   Retained Earnings0.200.18
   Other Equity0.000.00

NMIC Cash Flow

Values in Rs. Crore unless stated otherwise.

Particulars2080/812079/80
Opening Cash & Cash Equivalents3.20.00
Net Cash Flow from Operating Activities7.50.03
   Gross Premium Received10.30.00
   Reinsurance Commission Received1.40.00
   Claim Recovery Received from Reinsurers0.380.00
   Other Direct Income Received0.190.00
   Other Income Received0.000.00
   Gross Benefits and Claims Paid-0.670.00
   Reinsurance Premium Paid2.3-0.00
   Commission Paid-0.030.00
   Service Fees Paid-0.05-0.00
   Employee Benefits Expenses Paid-3.8-0.58
   Other Expenses Paid-1.4-0.27
   Other Direct Expenses Paid0.000.00
   Changes in Working Capital0.001.0
   Income Tax Paid-1.0-0.17
Net Cash Flow from Investing Activities-5.0-49.3
   Acquisitions of Intangible Assets-0.030.00
   Acquisitions of Property & Equipment-1.1-4.2
   Purchase of Equity Instruments0.000.00
   Proceeds from Sale of Equity Instruments0.000.00
   Purchase of Debentures0.000.00
   Investments in Deposits-8.5-46.8
   Maturity of Deposits0.000.00
   Rental Income Received0.000.00
   Interest Income Received4.61.7
   Dividend Received0.000.00
Net Cash Flow from Financing Activities0.0052.5
   Payment of Finance Lease0.000.00
   Proceeds from Issue of Share Capital0.0052.5
   Dividend Paid0.000.00
   Proceeds from Share Application Money Pending Allotment0.000.00
   Other Financing ActivitiesNot reported-0.03
Net Change in Cash2.53.2
Closing Cash & Cash Equivalents5.73.2

NMIC Quarterly Results

Values in Rs. Crore unless stated otherwise.

ParticularsQ4 2082/83Q3 2082/83Q2 2082/83Q1 2082/83Q4 2081/82Q3 2081/82Q2 2081/82Q1 2081/82Q4 2080/81
Net Earned Premiums6.92.10.812.62.11.72.31.41.1
   Gross Earned Premiums15.95.02.06.86.63.75.33.72.7
   Premiums Ceded-9.0-2.9-1.2-4.2-4.5-2.0-3.0-2.3-1.6
Other Income2.01.46.63.30.823.01.31.81.7
   Commission Income2.10.600.220.930.810.100.270.630.30
   Other Direct IncomeNot reported0.000.000.000.000.000.000.000.00
   Income from Investments & Loans1.00.790.900.740.890.921.01.11.4
   Net Gain/(Loss) on Fair Value Changes-1.1Not reported5.31.6-0.80-0.420.000.000.00
   Net Realised Gains/(Losses)-0.010.000.000.000.002.40.000.000.00
   Other IncomeNot reportedNot reported0.210.00-0.080.030.030.020.02
Total Income8.93.57.55.93.04.73.23.22.8
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 Ceded2.01.21.10.841.21.00.730.430.31
   Gross Change in Contract Liabilities-1.21.9-1.5-5.11.2-1.3-1.4-0.800.12
   Change in Contract Liabilities Ceded to Reinsurers0.72-1.80.973.7-0.710.790.910.50-0.06
Other Expenses-4.4-1.1-5.4-3.1-2.4-3.7-2.3-2.6-3.1
   Commission Expenses-0.13-0.04-0.02-0.06-0.05-0.00-0.03-0.030.00
   Service Fees-0.01-0.02-0.02-0.02-0.01-0.02-0.02-0.01-0.01
   Other Direct ExpensesNot reported0.000.000.000.000.000.000.000.00
   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 LossesNot reported0.000.000.000.000.000.000.000.00
   Other Operating Expenses-1.5-0.26-2.7-1.3-0.12-2.3-0.94-0.99-1.7
   Finance Cost-0.01-0.01-0.01-0.02-0.02-0.02-0.050.00-0.03
Total Expenses-6.4-1.8-6.6-4.9-2.7-4.7-3.2-3.2-6.7
Profit Before Tax2.41.70.901.00.310.030.000.060.72
   Share of Net Profit of Associates (Equity Method)Not reported0.000.000.000.000.000.000.000.00
Net Profit for the Year1.71.20.630.820.220.020.000.040.50
   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. 775.00 and Rs. 845.00, finishing at Rs. 784.40 on 2026-10-12 against Rs. 845.00 on 2026-09-18.

DateOpenHighLowCloseVolume
2026-10-12772.00790.00772.00784.401,736
2026-10-09796.00796.00774.00790.003,130
2026-10-08770.10778.00770.10775.101,713
2026-10-07774.00791.00774.00775.001,654
2026-10-06788.00793.00770.00783.00970
2026-10-05781.10795.00781.10783.001,960
2026-10-02780.10799.70780.10796.00870
2026-10-01778.00804.00778.00796.001,549
2026-09-30819.00819.80795.00798.102,658
2026-09-29800.10809.00800.10806.001,143
2026-09-28820.00821.00804.10806.503,347
2026-09-24820.00821.90812.10821.802,815
2026-09-23830.00840.00820.00830.003,044
2026-09-22850.00851.10835.00836.304,284
2026-09-18832.00852.00832.00845.003,351

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.

YearLow (Rs.)High (Rs.)Sessions
2026765.301,525.00181
2025302.302,703.30164

Nepal Micro Insurance share price returns

At Rs. 784.40 on 2026-10-12, NMIC is up 0.18% over 1 week, down 1.67% over 1 month, down 11.57% over 3 months, down 34.63% over 6 months and down 33.64% over 1 year. Each return compares that close with the last close on or before the same date in the earlier period.

PeriodReturnFrom price (Rs.)From date
1 week+0.18%783.002026-10-05
1 month-1.67%797.702026-09-11
3 months-11.57%887.002026-07-14
6 months-34.63%1,200.002026-04-15
1 year-33.64%1,182.002025-10-12

NMIC floorsheet for 2026-10-12

NMIC traded 68 times on 2026-10-12, moving 1,736 shares for Rs. 0.14 crore of turnover. Trades went through between Rs. 772.00 and Rs. 790.00.

Largest buyers by volume: broker 22, Siprabi Securities Pvt. Limited on 350 shares across 15 trades, broker 16, Primo Securities Pvt. Limited on 330 shares across 4 trades, broker 34, Vision Securities Pvt.Limited on 290 shares across 11 trades, broker 58, Naasa Securities Co. Ltd. on 251 shares across 9 trades, broker 48, Trishakti Securities Public Limited on 145 shares across 4 trades, broker 49, Online Securities Limited on 100 shares across 7 trades, broker 53, Investment Management Nepal Pvt. Ltd. on 100 shares across 3 trades, broker 70, Infinity Securities Limited on 60 shares across 5 trades, broker 19, Nepal Investment & Securities Trading Pvt. Limited on 50 shares across 4 trades and broker 62, Capital Max Securities Limited on 20 shares across 2 trades.

Largest sellers by volume: broker 74, Kalash Stock Market Pvt. Ltd. on 310 shares across 3 trades, broker 86, Stoxkarts Securities Limited on 300 shares across 1 trades, broker 41, Linch Stock Market Limited on 200 shares across 2 trades, broker 6, Agrawal Securities Pvt. Limited on 120 shares across 2 trades, broker 58, Naasa Securities Co. Ltd. on 120 shares across 12 trades, broker 61, Bhole Ganesh Securities Limited on 90 shares across 1 trades, broker 70, Infinity Securities Limited on 90 shares across 3 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 85 shares across 3 trades, broker 49, Online Securities Limited on 61 shares across 5 trades and broker 45, Imperial Securities Co. Limited on 30 shares across 3 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.

4 years of annual statements and 9 quarters of results for NMIC, with charts and peer comparison, are free on NepView.

New to these statements? How to read a profit and loss statement, How to read a balance sheet, How to read a cash flow statement, How to read quarterly results.

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