Prabhu Mahalaxmi Life Insurance Limited (PMLI) Share Price & Fundamentals
Prabhu Mahalaxmi Life Insurance (PMLI) share price is Rs. 432.80, up 0.23% on 2026-09-22. Open Rs. 427.20. High Rs. 439.00. Low Rs. 425.10. Volume 7,455.
Prabhu Mahalaxmi Life Insurance Limited is a NEPSE-listed company (PMLI), Life Insurance sector. Premium: Rs. 626.57 Crore. Net profit: Rs. 37.56 Crore. Net worth: Rs. 610.46 Crore.
About Prabhu Mahalaxmi Life Insurance Limited
Prabhu Mahalaxmi Life Insurance Limited (PMLI) has 5,30,77,939 shares outstanding. Its most recent declared dividend was 4.42% on face value.
PMLI key metrics
PMLI strengths
What Prabhu Mahalaxmi Life Insurance Limited's own accounts show in its favour, graded against the rest of its sector.
- 163.3% of premiums come from customers renewing, which is steady, repeat income. (Premium Growth & Book Quality)
- New policies sold grew 36% on last year, so the sales side is working. (Premium Growth & Book Quality)
- The fund set aside for policyholders grew 32.8%, so future claims are better covered. (Reserving & Liability Strength)
- Premiums collected grew 21.1% on last year, so the insurer is writing more business. (Premium Growth & Book Quality)
- 29.1% of what it owns belongs to shareholders rather than policyholders and lenders. (Solvency)
- Keeps 96.4% of the risk it takes on rather than passing it to another insurer. (Claims & Underwriting)
- The company grew 25.1% bigger over the year. (Shareholder Returns)
- Earns 1.8% a year on everything it owns, so its investments are working well. (Profitability)
- Agent commissions take only 9.6% of premiums, so selling costs are controlled. (Expense Efficiency)
- The average policy is worth Rs 24468.83, so it is winning larger customers. (Premium Growth & Book Quality)
PMLI weaknesses
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
- 88.2% of premiums go out as claims, which leaves little margin on the policies sold. (Claims & Underwriting)
- Earns only 6.3% a year on shareholders' money, below what owners would hope for. (Profitability)
- Only 5% of income becomes profit once costs are paid. (Profitability)
- The number of live policies moved -7.1%, so the customer base is not growing. (Premium Growth & Book Quality)
- Each share earned only Rs 7.08 of profit over the year. (Shareholder Returns)
- Holds 1.91x of the required safety capital, close to the 1.5 times the regulator sets. (Solvency)
- Running costs take 23.4% of premiums, a heavy load on what customers pay in. (Expense Efficiency)
- Only 13.5% of income comes from investments, so it depends on premiums alone. (Investment Performance)
- Earns only 7.3% on the money it holds, so those funds are underused. (Investment Performance)
- Only 62.8% of investments are long term, a mismatch against promises lasting decades. (Investment Performance)
- Only 66.1% is set aside to pay policyholders, which is light cover. (Reserving & Liability Strength)
PMLI Q4 2082/83 results
In Q4 2082/83 Prabhu Mahalaxmi Life Insurance Limited reported profit of Rs. 10.05 crore and net earned premiums of Rs. 211.4 crore. Profit in Q3 2082/83 was Rs. 14.19 crore. Profit fell 29.17% on the previous quarter. Net earned premiums grew 53.79% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 10 crore. Profit grew 0.50% on the same quarter last year. Net earned premiums grew 25.26% on the same quarter last year.
PMLI annual results 2082/83
For the financial year 2082/83 Prabhu Mahalaxmi Life Insurance Limited reported net profit of Rs. 37.56 crore, net earned premiums of Rs. 626.57 crore and net worth of Rs. 610.46 crore. Net profit in 2081/82 was Rs. 38.71 crore. Net profit fell 2.98% on the year. Net earned premiums grew 21.05% on the year.
PMLI profit and loss for 2082/83
In the financial year 2082/83, Prabhu Mahalaxmi Life Insurance Limited reported net earned premiums of Rs. 626.57 crore, other income of Rs. 124.7 crore, total income of Rs. 751.94 crore, net benefits and claims paid of Rs. 552.86 crore, other expenses of Rs. 161.52 crore, total expenses of Rs. 714.38 crore, profit before tax of Rs. 37.56 crore and net profit for the year of Rs. 37.56 crore.
Reported under net earned premiums: gross earned premiums of Rs. 649.84 crore and premiums ceded of Rs. 23.27 crore. Reported under other income: other direct income of Rs. 3.26 crore, interest income on loan to policyholders of Rs. 15.02 crore, income from investments and loans of Rs. 101.67 crore, net gain/(loss) on fair value changes of Rs. 2.86 crore, net realised gains/(losses) of Rs. 7.38 crore and other income of Rs. 0.23 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 105.11 crore, claims ceded of Rs. 11.17 crore, gross change in contract liabilities of Rs. 463.19 crore and change in contract liabilities ceded to reinsurers of Rs. 4.26 crore. Reported under other expenses: commission expenses of Rs. 60.39 crore, service fees of Rs. 4.67 crore, other direct expenses of Rs. 0.24 crore, employee benefits expenses of Rs. 44.06 crore, depreciation and amortization expenses of Rs. 7.97 crore, other operating expenses of Rs. 42.03 crore and finance cost of Rs. 2.16 crore.
PMLI profit and loss for 2081/82
In the financial year 2081/82, Prabhu Mahalaxmi Life Insurance Limited reported net earned premiums of Rs. 517.61 crore, other income of Rs. 144.73 crore, total income of Rs. 662.34 crore, net benefits and claims paid of Rs. 482.14 crore, other expenses of Rs. 141.82 crore, total expenses of Rs. 623.96 crore, profit before tax of Rs. 38.38 crore and net profit for the year of Rs. 38.71 crore.
Reported under net earned premiums: gross earned premiums of Rs. 537.33 crore and premiums ceded of Rs. 19.73 crore. Reported under other income: commission income of Rs. 2.68 crore, other direct income of Rs. 2.41 crore, interest income on loan to policyholders of Rs. 12.17 crore, income from investments and loans of Rs. 120.49 crore, net gain/(loss) on fair value changes of Rs. 2.79 crore, net realised gains/(losses) of Rs. 8.58 crore and other income of Rs. 1.21 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 116.17 crore, claims ceded of Rs. 6.24 crore, gross change in contract liabilities of Rs. 372.34 crore and change in contract liabilities ceded to reinsurers of Rs. 0.14 crore. Reported under other expenses: commission expenses of Rs. 53.07 crore, service fees of Rs. 3.87 crore, other direct expenses of Rs. 0.15 crore, employee benefits expenses of Rs. 39.42 crore, depreciation and amortization expenses of Rs. 6.82 crore, impairment losses of Rs. 0.08 crore, other operating expenses of Rs. 36.15 crore and finance cost of Rs. 2.27 crore. Reported under net profit for the year: income tax expenses of Rs. 0.33 crore.
PMLI profit and loss for 2080/81
In the financial year 2080/81, Prabhu Mahalaxmi Life Insurance Limited reported net earned premiums of Rs. 423.8 crore, other income of Rs. 137.45 crore, total income of Rs. 561.25 crore, net benefits and claims paid of Rs. 389.72 crore, other expenses of Rs. 133.19 crore, total expenses of Rs. 522.91 crore, profit before tax of Rs. 38.34 crore and net profit for the year of Rs. 38.16 crore.
Reported under net earned premiums: gross earned premiums of Rs. 437.23 crore and premiums ceded of Rs. 13.43 crore. Reported under other income: commission income of Rs. 2.65 crore, other direct income of Rs. 2.54 crore, interest income on loan to policyholders of Rs. 9.87 crore, income from investments and loans of Rs. 115.9 crore, net gain/(loss) on fair value changes of Rs. 2.72 crore, net realised gains/(losses) of Rs. 2.58 crore and other income of Rs. 1.19 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 107.91 crore, claims ceded of Rs. 5.47 crore, gross change in contract liabilities of Rs. 287.28 crore and change in contract liabilities ceded to reinsurers of Rs. 0 crore. Reported under other expenses: commission expenses of Rs. 48.96 crore, service fees of Rs. 3.18 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 47.19 crore, depreciation and amortization expenses of Rs. 6.76 crore, impairment losses of Rs. 0.09 crore, other operating expenses of Rs. 25.22 crore and finance cost of Rs. 1.98 crore. Reported under net profit for the year: income tax expenses of Rs. 0.19 crore.
PMLI balance sheet for 2081/82
In the financial year 2081/82, Prabhu Mahalaxmi Life Insurance Limited reported total assets of Rs. 2,094.41 crore, total liabilities of Rs. 1,483.95 crore and total equity of Rs. 610.46 crore.
Reported under total assets: goodwill & intangible assets of Rs. 1.39 crore, property and equipment of Rs. 27.75 crore, deferred tax assets of Rs. 37.47 crore, investments of Rs. 1,659.42 crore, loans of Rs. 125.72 crore, reinsurance assets of Rs. 0.14 crore, current tax assets of Rs. 45.91 crore, insurance receivables of Rs. 0.53 crore, other assets of Rs. 1.17 crore, other financial assets of Rs. 24.49 crore and cash and cash equivalent of Rs. 170.4 crore. Reported under total liabilities: provisions of Rs. 6.6 crore, gross insurance contract liabilities of Rs. 1,402.42 crore, insurance payables of Rs. 21.17 crore, other liabilities of Rs. 24.48 crore and other financial liabilities of Rs. 29.29 crore. Reported under total equity: share capital of Rs. 510.36 crore, share premium of Rs. 1.94 crore, catastrophe reserves of Rs. 11.09 crore, retained earnings of Rs. 52.45 crore and other equity of Rs. 34.61 crore.
PMLI balance sheet for 2080/81
In the financial year 2080/81, Prabhu Mahalaxmi Life Insurance Limited reported total assets of Rs. 1,674.32 crore, total liabilities of Rs. 1,108.37 crore and total equity of Rs. 565.95 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.68 crore, property and equipment of Rs. 30.76 crore, deferred tax assets of Rs. 39.18 crore, investments of Rs. 1,365.09 crore, loans of Rs. 107.15 crore, reinsurance assets of Rs. 0 crore, current tax assets of Rs. 37.43 crore, insurance receivables of Rs. 0.07 crore, other assets of Rs. 0.85 crore, other financial assets of Rs. 22.47 crore and cash and cash equivalent of Rs. 70.65 crore. Reported under total liabilities: provisions of Rs. 8.74 crore, gross insurance contract liabilities of Rs. 1,028.83 crore, insurance payables of Rs. 18.58 crore, other liabilities of Rs. 27.73 crore and other financial liabilities of Rs. 24.5 crore. Reported under total equity: share capital of Rs. 472.56 crore, share premium of Rs. 1.94 crore, catastrophe reserves of Rs. 9.15 crore, retained earnings of Rs. 54.53 crore and other equity of Rs. 27.78 crore.
PMLI balance sheet for 2079/80
In the financial year 2079/80, Prabhu Mahalaxmi Life Insurance Limited reported total assets of Rs. 1,329.94 crore, total liabilities of Rs. 818.31 crore and total equity of Rs. 511.63 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.57 crore, property and equipment of Rs. 21.37 crore, deferred tax assets of Rs. 22.29 crore, investments of Rs. 1,104.97 crore, loans of Rs. 94.48 crore, reinsurance assets of Rs. 0 crore, current tax assets of Rs. 29.97 crore, insurance receivables of Rs. 1.25 crore, other assets of Rs. 1.54 crore, other financial assets of Rs. 13.05 crore and cash and cash equivalent of Rs. 40.44 crore. Reported under total liabilities: provisions of Rs. 9.65 crore, gross insurance contract liabilities of Rs. 741.24 crore, insurance payables of Rs. 31.78 crore, other liabilities of Rs. 16.97 crore and other financial liabilities of Rs. 18.67 crore. Reported under total equity: share capital of Rs. 429.6 crore, share premium of Rs. 1.94 crore, catastrophe reserves of Rs. 7.23 crore, retained earnings of Rs. 61.89 crore and other equity of Rs. 10.97 crore.
PMLI cash flow for 2081/82
In the financial year 2081/82, Prabhu Mahalaxmi Life Insurance Limited reported opening cash & cash equivalents of Rs. 70.65 crore, net cash flow from operating activities of Rs. 272.23 crore, net cash flow from investing activities of Rs. 171.65 crore, net cash flow from financing activities of Rs. 0.83 crore, net change in cash of Rs. 99.76 crore and closing cash & cash equivalents of Rs. 170.4 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 537.33 crore, commission / reinsurance commission received of Rs. 2.68 crore, claim recovery received from reinsurers of Rs. 5.77 crore, other direct income received of Rs. 2.41 crore, other income received of Rs. 0 crore, gross benefits and claims paid of Rs. 114.56 crore, reinsurance premium paid of Rs. 18.75 crore, commission paid of Rs. 47.25 crore, service fees paid of Rs. 5.97 crore, employee benefits expenses paid of Rs. 43.17 crore, other expenses paid of Rs. 40.06 crore and income tax paid of Rs. 8.48 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.95 crore, acquisitions of property and equipment of Rs. 1.98 crore, purchase of equity instruments of Rs. 155.68 crore, proceeds from sale of equity instruments of Rs. 99.66 crore, purchase of mutual funds of Rs. 12.05 crore, proceeds from sale of mutual funds of Rs. 0.94 crore, purchase of debentures of Rs. 28.54 crore, investments in deposits of Rs. 179.48 crore, interest income received of Rs. 116.64 crore, dividend received of Rs. 0.82 crore and loans against insurance policies of Rs. 8.31 crore. Reported under net cash flow from financing activities: proceeds from issue of share capital of Rs. 0 crore and dividend paid of Rs. 0.34 crore.
PMLI cash flow for 2080/81
In the financial year 2080/81, Prabhu Mahalaxmi Life Insurance Limited reported opening cash & cash equivalents of Rs. 40.44 crore, net cash flow from operating activities of Rs. 178.63 crore, net cash flow from investing activities of Rs. 147.81 crore, net cash flow from financing activities of Rs. 0.61 crore, net change in cash of Rs. 30.2 crore and closing cash & cash equivalents of Rs. 70.65 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 437.23 crore, commission / reinsurance commission received of Rs. 2.65 crore, claim recovery received from reinsurers of Rs. 6.65 crore, other direct income received of Rs. 2.54 crore, other income received of Rs. 0.07 crore, gross benefits and claims paid of Rs. 111.93 crore, reinsurance premium paid of Rs. 22.62 crore, commission paid of Rs. 44.13 crore, service fees paid of Rs. 3.01 crore, employee benefits expenses paid of Rs. 42.83 crore, other expenses paid of Rs. 31.06 crore and income tax paid of Rs. 7.46 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.18 crore, acquisitions of property and equipment of Rs. 7.11 crore, purchase of equity instruments of Rs. 31.54 crore, proceeds from sale of equity instruments of Rs. 3.05 crore, purchase of mutual funds of Rs. 3.3 crore, proceeds from sale of mutual funds of Rs. 0 crore, purchase of debentures of Rs. 2.63 crore, investments in deposits of Rs. 220.19 crore, interest income received of Rs. 114.53 crore, dividend received of Rs. 0.22 crore and loans against insurance policies of Rs. 5.94 crore. Reported under net cash flow from financing activities: proceeds from issue of share capital of Rs. 0 crore and dividend paid of Rs. 0 crore.
PMLI cash flow for 2079/80
In the financial year 2079/80, Prabhu Mahalaxmi Life Insurance Limited reported opening cash & cash equivalents of Rs. 38.54 crore, net cash flow from operating activities of Rs. 29.46 crore, net cash flow from investing activities of Rs. 50.64 crore, net cash flow from financing activities of Rs. 23.09 crore, net change in cash of Rs. 1.9 crore and closing cash & cash equivalents of Rs. 40.44 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 205.2 crore, commission / reinsurance commission received of Rs. 0 crore, claim recovery received from reinsurers of Rs. 5.39 crore, other direct income received of Rs. 0.97 crore, other income received of Rs. 0.2 crore, gross benefits and claims paid of Rs. 83.73 crore, reinsurance premium paid of Rs. 11.89 crore, commission paid of Rs. 30.21 crore, service fees paid of Rs. 2.43 crore, employee benefits expenses paid of Rs. 23.22 crore, other expenses paid of Rs. 23.78 crore and income tax paid of Rs. 3.28 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.1 crore, acquisitions of property and equipment of Rs. 7.44 crore, purchase of equity instruments of Rs. 16.47 crore, proceeds from sale of equity instruments of Rs. 0.59 crore, purchase of mutual funds of Rs. 1.5 crore, proceeds from sale of mutual funds of Rs. 0 crore, purchase of debentures of Rs. 33.38 crore, investments in deposits of Rs. 44.39 crore, interest income received of Rs. 49.13 crore, dividend received of Rs. 1.46 crore and loans against insurance policies of Rs. 0.1 crore. Reported under net cash flow from financing activities: proceeds from issue of share capital of Rs. 0 crore and dividend paid of Rs. 0 crore.
PMLI quarterly for Q4 2082/83
In the quarter Q4 2082/83, Prabhu Mahalaxmi Life Insurance Limited reported net earned premiums of Rs. 211.4 crore, other income of Rs. 23.78 crore, total income of Rs. 235.18 crore, net benefits and claims paid of Rs. 162.71 crore, other expenses of Rs. 62.42 crore, total expenses of Rs. 225.12 crore, profit before tax of Rs. 10.05 crore and net profit for the year of Rs. 10.05 crore.
Reported under net earned premiums: gross earned premiums of Rs. 218.54 crore and premiums ceded of Rs. 7.14 crore. Reported under other income: commission income of Rs. 0.67 crore, other direct income of Rs. 0.97 crore, interest income on loan to policyholders of Rs. 4.15 crore, income from investments and loans of Rs. 24.39 crore, net gain/(loss) on fair value changes of Rs. 6.36 crore, net realised gains/(losses) of Rs. 0.09 crore and other income of Rs. 0.06 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 22.17 crore, claims ceded of Rs. 4.22 crore, gross change in contract liabilities of Rs. 145.97 crore and change in contract liabilities ceded to reinsurers of Rs. 1.2 crore. Reported under other expenses: commission expenses of Rs. 20.76 crore, service fees of Rs. 1.56 crore, other direct expenses of Rs. 0.12 crore, employee benefits expenses of Rs. 12.32 crore, depreciation and amortization expenses of Rs. 2.23 crore, other operating expenses of Rs. 24.87 crore and finance cost of Rs. 0.56 crore.
PMLI quarterly for Q3 2082/83
In the quarter Q3 2082/83, Prabhu Mahalaxmi Life Insurance Limited reported net earned premiums of Rs. 137.46 crore, other income of Rs. 42.25 crore, total income of Rs. 179.71 crore, net benefits and claims paid of Rs. 130.78 crore, other expenses of Rs. 34.74 crore, total expenses of Rs. 165.51 crore, profit before tax of Rs. 14.19 crore and net profit for the year of Rs. 14.19 crore.
Reported under net earned premiums: gross earned premiums of Rs. 143.36 crore and premiums ceded of Rs. 5.9 crore. Reported under other income: other direct income of Rs. 0.75 crore, interest income on loan to policyholders of Rs. 3.85 crore, income from investments and loans of Rs. 23.44 crore, net gain/(loss) on fair value changes of Rs. 9.91 crore, net realised gains/(losses) of Rs. 4.22 crore and other income of Rs. 0.07 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 26.24 crore, claims ceded of Rs. 2.38 crore, gross change in contract liabilities of Rs. 110.11 crore and change in contract liabilities ceded to reinsurers of Rs. 3.2 crore. Reported under other expenses: commission expenses of Rs. 13.02 crore, service fees of Rs. 1.03 crore, other direct expenses of Rs. 0.04 crore, employee benefits expenses of Rs. 10.68 crore, depreciation and amortization expenses of Rs. 1.97 crore, other operating expenses of Rs. 7.44 crore and finance cost of Rs. 0.56 crore.
PMLI quarterly for Q2 2082/83
In the quarter Q2 2082/83, Prabhu Mahalaxmi Life Insurance Limited reported net earned premiums of Rs. 138.76 crore, other income of Rs. 30.89 crore, total income of Rs. 169.65 crore, net benefits and claims paid of Rs. 128.5 crore, other expenses of Rs. 34.21 crore, total expenses of Rs. 162.71 crore, profit before tax of Rs. 6.94 crore and net profit for the year of Rs. 6.94 crore.
Reported under net earned premiums: gross earned premiums of Rs. 143.6 crore and premiums ceded of Rs. 4.84 crore. Reported under other income: other direct income of Rs. 0.82 crore, interest income on loan to policyholders of Rs. 3.54 crore, income from investments and loans of Rs. 24.34 crore, net gain/(loss) on fair value changes of Rs. 1.24 crore, net realised gains/(losses) of Rs. 0.9 crore and other income of Rs. 0.05 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 27.54 crore, claims ceded of Rs. 3.49 crore, gross change in contract liabilities of Rs. 104.44 crore and change in contract liabilities ceded to reinsurers of Rs. 0 crore. Reported under other expenses: commission expenses of Rs. 13.9 crore, service fees of Rs. 1.04 crore, other direct expenses of Rs. 0.04 crore, employee benefits expenses of Rs. 9.83 crore, depreciation and amortization expenses of Rs. 1.92 crore, other operating expenses of Rs. 6.95 crore and finance cost of Rs. 0.52 crore.
PMLI quarterly for Q1 2082/83
In the quarter Q1 2082/83, Prabhu Mahalaxmi Life Insurance Limited reported net earned premiums of Rs. 138.96 crore, other income of Rs. 28.45 crore, total income of Rs. 167.41 crore, net benefits and claims paid of Rs. 130.88 crore, other expenses of Rs. 30.16 crore, total expenses of Rs. 161.04 crore, profit before tax of Rs. 6.38 crore and net profit for the year of Rs. 6.38 crore.
Reported under net earned premiums: gross earned premiums of Rs. 144.35 crore and premiums ceded of Rs. 5.39 crore. Reported under other income: other direct income of Rs. 0.72 crore, interest income on loan to policyholders of Rs. 3.47 crore, income from investments and loans of Rs. 29.5 crore, net gain/(loss) on fair value changes of Rs. 7.65 crore, net realised gains/(losses) of Rs. 2.35 crore and other income of Rs. 0.05 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 29.15 crore, claims ceded of Rs. 1.08 crore, gross change in contract liabilities of Rs. 102.67 crore and change in contract liabilities ceded to reinsurers of Rs. 0.14 crore. Reported under other expenses: commission expenses of Rs. 12.71 crore, service fees of Rs. 1.04 crore, other direct expenses of Rs. 0.04 crore, employee benefits expenses of Rs. 11.22 crore, depreciation and amortization expenses of Rs. 1.85 crore, other operating expenses of Rs. 2.77 crore and finance cost of Rs. 0.52 crore.
PMLI Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
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| Net Earned Premiums | 627 | 518 | 424 | 191 | 231 | 141 |
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| Gross Earned Premiums | 650 | 537 | 437 | 205 | 243 | 149 |
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| Premiums Ceded | -23.3 | -19.7 | -13.4 | -13.7 | -11.7 | -7.2 |
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| Other Income | 125 | 145 | 137 | 60.0 | 40.7 | 48.0 |
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| Commission Income | Not reported | 2.7 | 2.7 | 0.27 | 0.00 | 0.18 |
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| Other Direct Income | 3.3 | 2.4 | 2.5 | 0.97 | 0.59 | 0.00 |
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| Interest Income on Loan to Policyholders | 15.0 | 12.2 | 9.9 | 5.2 | 3.6 | 0.00 |
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| Income from Investments and Loans | 102 | 120 | 116 | 52.5 | 36.0 | 23.2 |
|---|
| Net Gain/(Loss) on Fair Value Changes | -2.9 | -2.8 | 2.7 | 0.00 | 0.00 | 0.00 |
|---|
| Net Realised Gains/(Losses) | 7.4 | 8.6 | 2.6 | 0.59 | 0.25 | 24.6 |
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| Other Income | 0.23 | 1.2 | 1.2 | 0.51 | 0.17 | 0.01 |
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| Total Income | 752 | 662 | 561 | 251 | 272 | 189 |
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| Net Benefits and Claims Paid | -553 | -482 | -390 | -149 | -164 | -107 |
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| Gross Benefits and Claims Paid | -105 | -116 | -108 | -91.2 | -46.6 | -9.9 |
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| Claims Ceded | 11.2 | 6.2 | 5.5 | 2.6 | 1.9 | 1.5 |
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| Gross Change in Contract Liabilities | -463 | -372 | -287 | -60.5 | -119 | -98.6 |
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| Change in Contract Liabilities Ceded to Reinsurers | 4.3 | 0.14 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Other Expenses | -162 | -142 | -133 | -76.9 | -95.5 | -66.4 |
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| Commission Expenses | -60.4 | -53.1 | -49.0 | -28.4 | -39.9 | -22.2 |
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| Service Fees | -4.7 | -3.9 | -3.2 | -1.6 | -2.3 | -1.4 |
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| Other Direct Expenses | -0.24 | -0.15 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Employee Benefits Expenses | -44.1 | -39.4 | -47.2 | -25.3 | -21.8 | -17.8 |
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| Depreciation and Amortization Expenses | -8.0 | -6.8 | -6.8 | -4.3 | -3.7 | -2.3 |
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| Impairment Losses | Not reported | -0.08 | 0.09 | -0.03 | -0.02 | -0.05 |
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| Other Operating Expenses | -42.0 | -36.1 | -25.2 | -16.6 | -27.1 | -22.6 |
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| Finance Cost | -2.2 | -2.3 | -2.0 | -0.63 | -0.72 | 0.00 |
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| Total Expenses | -714 | -624 | -523 | -226 | -260 | -173 |
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| Profit Before Tax | 37.6 | 38.4 | 38.3 | 25.5 | 12.4 | 16.0 |
|---|
| Net Profit for the Year | 37.6 | 38.7 | 38.2 | 24.9 | 12.6 | 21.2 |
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| Income Tax Expenses | Not reported | 0.33 | -0.19 | -0.53 | 0.18 | 5.2 |
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PMLI Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
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| Total Assets | 2,094 | 1,674 | 1,330 | 636 | 487 |
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| Goodwill & Intangible Assets | 1.4 | 0.68 | 0.57 | 0.16 | 0.24 |
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| Property and Equipment | 27.7 | 30.8 | 21.4 | 12.8 | 6.7 |
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| Deferred Tax Assets | 37.5 | 39.2 | 22.3 | 19.3 | 17.5 |
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| Investments | 1,659 | 1,365 | 1,105 | 485 | 360 |
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| Loans | 126 | 107 | 94.5 | 56.1 | 38.5 |
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| Reinsurance Assets | 0.14 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Current Tax Assets | 45.9 | 37.4 | 30.0 | 14.6 | 12.0 |
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| Insurance Receivables | 0.53 | 0.07 | 1.2 | 2.8 | 3.0 |
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| Other Assets | 1.2 | 0.85 | 1.5 | 1.3 | 1.8 |
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| Other Financial Assets | 24.5 | 22.5 | 13.1 | 5.4 | 7.7 |
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| Cash and Cash Equivalent | 170 | 70.6 | 40.4 | 38.5 | 39.9 |
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| Total Liabilities | 1,484 | 1,108 | 818 | 383 | 243 |
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| Provisions | 6.6 | 8.7 | 9.7 | 9.8 | 12.3 |
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| Gross Insurance Contract Liabilities | 1,402 | 1,029 | 741 | 329 | 213 |
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| Insurance Payables | 21.2 | 18.6 | 31.8 | 17.5 | 9.6 |
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| Other Liabilities | 24.5 | 27.7 | 17.0 | 12.5 | 3.6 |
|---|
| Other Financial Liabilities | 29.3 | 24.5 | 18.7 | 13.4 | 4.9 |
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| Total Equity | 610 | 566 | 512 | 254 | 244 |
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| Share Capital | 510 | 473 | 430 | 220 | 200 |
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| Share Premium | 1.9 | 1.9 | 1.9 | 0.00 | 0.00 |
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| Catastrophe Reserves | 11.1 | 9.1 | 7.2 | 3.4 | 2.5 |
|---|
| Retained Earnings | 52.5 | 54.5 | 61.9 | 8.7 | 20.7 |
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| Other Equity | 34.6 | 27.8 | 11.0 | 22.0 | 20.7 |
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PMLI Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|
| Opening Cash & Cash Equivalents | 70.6 | 40.4 | 38.5 | 39.9 | 85.8 |
|---|
| Net Cash Flow from Operating Activities | 272 | 179 | 29.5 | 115 | 56.5 |
|---|
| Gross Premium Received | 537 | 437 | 205 | 243 | 149 |
|---|
| Commission / Reinsurance Commission Received | 2.7 | 2.7 | 0.00 | 0.00 | 0.18 |
|---|
| Claim Recovery Received from Reinsurers | 5.8 | 6.6 | 5.4 | 0.42 | 0.25 |
|---|
| Other Direct Income Received | 2.4 | 2.5 | 0.97 | 0.59 | Not reported |
|---|
| Other Income Received | 0.00 | 0.07 | -0.20 | 2.7 | 0.79 |
|---|
| Gross Benefits and Claims Paid | -115 | -112 | -83.7 | -40.1 | -7.4 |
|---|
| Reinsurance Premium Paid | -18.8 | -22.6 | -11.9 | -10.2 | -4.1 |
|---|
| Commission Paid | -47.2 | -44.1 | -30.2 | -36.6 | -25.0 |
|---|
| Service Fees Paid | -6.0 | -3.0 | -2.4 | -1.5 | -1.2 |
|---|
| Employee Benefits Expenses Paid | -43.2 | -42.8 | -23.2 | -0.03 | -0.51 |
|---|
| Other Expenses Paid | -40.1 | -31.1 | -23.8 | -50.3 | -44.0 |
|---|
| Income Tax Paid | -8.5 | -7.5 | -3.3 | -2.6 | -5.4 |
|---|
| Net Cash Flow from Investing Activities | -172 | -148 | -50.6 | -117 | -162 |
|---|
| Acquisitions of Intangible Assets | -0.95 | -0.18 | -0.10 | -0.01 | -0.13 |
|---|
| Acquisitions of Property and Equipment | -2.0 | -7.1 | -7.4 | -3.3 | -1.3 |
|---|
| Purchase of Equity Instruments | -156 | -31.5 | -16.5 | -19.3 | 13.4 |
|---|
| Proceeds from Sale of Equity Instruments | 99.7 | 3.1 | 0.59 | 0.00 | Not reported |
|---|
| Purchase of Mutual Funds | -12.1 | -3.3 | -1.5 | 0.00 | Not reported |
|---|
| Proceeds from Sale of Mutual Funds | 0.94 | 0.00 | 0.00 | 0.00 | Not reported |
|---|
| Purchase of Debentures | -28.5 | -2.6 | -33.4 | -8.3 | -16.2 |
|---|
| Investments in Deposits | -179 | -220 | -44.4 | -105 | -145 |
|---|
| Interest Income Received | 117 | 115 | 49.1 | 34.5 | 19.1 |
|---|
| Dividend Received | 0.82 | 0.22 | 1.5 | 0.63 | 0.57 |
|---|
| Loans Against Insurance Policies | -8.3 | -5.9 | 0.10 | -17.6 | -33.2 |
|---|
| Net Cash Flow from Financing Activities | -0.83 | -0.61 | 23.1 | 0.00 | 60.0 |
|---|
| Proceeds from Issue of Share Capital | 0.00 | 0.00 | 0.00 | 0.00 | 60.0 |
|---|
| Dividend Paid | -0.34 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Net Change in Cash | 99.8 | 30.2 | 1.9 | -1.4 | -45.8 |
|---|
| Closing Cash & Cash Equivalents | 170 | 70.6 | 40.4 | 38.5 | 39.9 |
|---|
PMLI 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 | 211 | 137 | 139 | 139 | 169 | 122 | 109 | 117 | 127 |
|---|
| Gross Earned Premiums | 219 | 143 | 144 | 144 | 179 | 123 | 114 | 121 | 131 |
|---|
| Premiums Ceded | -7.1 | -5.9 | -4.8 | -5.4 | -10.3 | -0.82 | -4.8 | -3.4 | -3.4 |
|---|
| Other Income | 23.8 | 42.2 | 30.9 | 28.4 | 39.0 | 34.1 | 30.2 | 40.5 | 40.8 |
|---|
| Commission Income | 0.67 | Not reported | Not reported | Not reported | Not reported | 1.6 | Not reported | Not reported | Not reported |
|---|
| Other Direct Income | 0.97 | 0.75 | 0.82 | 0.72 | 0.73 | 0.58 | 0.50 | 0.59 | 0.59 |
|---|
| Interest Income on Loan to Policyholders | 4.2 | 3.9 | 3.5 | 3.5 | 2.5 | 3.4 | 3.2 | 3.2 | 5.7 |
|---|
| Income from Investments and Loans | 24.4 | 23.4 | 24.3 | 29.5 | 30.7 | 29.3 | 29.9 | 30.4 | 31.5 |
|---|
| Net Gain/(Loss) on Fair Value Changes | -6.4 | 9.9 | 1.2 | -7.6 | 4.1 | -2.2 | -4.4 | -0.38 | 0.07 |
|---|
| Net Realised Gains/(Losses) | -0.09 | 4.2 | 0.90 | 2.3 | 0.02 | 0.87 | 1.0 | 6.7 | 2.9 |
|---|
| Other Income | 0.06 | 0.07 | 0.05 | 0.05 | 0.88 | 0.53 | 0.02 | 0.01 | 0.04 |
|---|
| Total Income | 235 | 180 | 170 | 167 | 208 | 157 | 140 | 158 | 168 |
|---|
| Net Benefits and Claims Paid | -163 | -131 | -129 | -131 | -146 | -116 | -107 | -115 | -111 |
|---|
| Gross Benefits and Claims Paid | -22.2 | -26.2 | -27.5 | -29.1 | -36.0 | -25.4 | -21.4 | -32.4 | -17.4 |
|---|
| Claims Ceded | 4.2 | 2.4 | 3.5 | 1.1 | 1.1 | 1.2 | 1.2 | 1.9 | 1.9 |
|---|
| Gross Change in Contract Liabilities | -146 | -110 | -104 | -103 | -111 | -91.6 | -86.7 | -84.6 | -95.9 |
|---|
| Change in Contract Liabilities Ceded to Reinsurers | 1.2 | 3.2 | 0.00 | -0.14 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Expenses | -62.4 | -34.7 | -34.2 | -30.2 | -51.5 | -32.0 | -27.1 | -30.0 | -47.0 |
|---|
| Commission Expenses | -20.8 | -13.0 | -13.9 | -12.7 | -18.2 | -11.6 | -11.8 | -11.4 | -15.4 |
|---|
| Service Fees | -1.6 | -1.0 | -1.0 | -1.0 | -1.3 | -0.92 | -0.82 | -0.88 | -0.96 |
|---|
| Other Direct Expenses | -0.12 | -0.04 | -0.04 | -0.04 | -0.15 | Not reported | Not reported | Not reported | Not reported |
|---|
| Employee Benefits Expenses | -12.3 | -10.7 | -9.8 | -11.2 | -10.0 | -9.3 | -8.6 | -10.7 | -12.6 |
|---|
| Depreciation and Amortization Expenses | -2.2 | -2.0 | -1.9 | -1.9 | -4.3 | -0.90 | -0.81 | -0.79 | -1.1 |
|---|
| Impairment Losses | Not reported | Not reported | Not reported | Not reported | -0.08 | Not reported | Not reported | Not reported | -0.02 |
|---|
| Other Operating Expenses | -24.9 | -7.4 | -7.0 | -2.8 | -15.3 | -9.2 | -5.1 | -6.3 | -16.9 |
|---|
| Finance Cost | -0.56 | -0.56 | -0.52 | -0.52 | -2.2 | Not reported | Not reported | Not reported | Not reported |
|---|
| Total Expenses | -225 | -166 | -163 | -161 | -198 | -148 | -134 | -145 | -158 |
|---|
| Profit Before Tax | 10.1 | 14.2 | 6.9 | 6.4 | 10.0 | 8.8 | 5.6 | 12.6 | 9.7 |
|---|
| Net Profit for the Year | 10.1 | 14.2 | 6.9 | 6.4 | 10.0 | 8.8 | 5.6 | 12.6 | 9.7 |
|---|
Prabhu Mahalaxmi Life Insurance share price history
Over the last 15 trading sessions PMLI closed between Rs. 398.00 and Rs. 432.80, finishing at Rs. 432.80 on 2026-09-22 against Rs. 404.10 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 427.20 | 439.00 | 425.10 | 432.80 | 7,455 |
|---|
| 2026-09-18 | 420.00 | 435.00 | 420.00 | 431.80 | 11,096 |
|---|
| 2026-09-17 | 423.10 | 425.00 | 416.00 | 423.10 | 12,703 |
|---|
| 2026-09-16 | 426.00 | 430.00 | 412.00 | 423.40 | 6,136 |
|---|
| 2026-09-15 | 434.70 | 443.00 | 415.20 | 428.00 | 18,876 |
|---|
| 2026-09-14 | 405.00 | 416.00 | 405.00 | 414.00 | 2,442 |
|---|
| 2026-09-11 | 398.00 | 405.60 | 398.00 | 405.60 | 3,357 |
|---|
| 2026-09-10 | 395.30 | 400.00 | 395.30 | 398.00 | 1,738 |
|---|
| 2026-09-09 | 400.00 | 412.60 | 400.00 | 401.00 | 3,966 |
|---|
| 2026-09-07 | 397.00 | 406.00 | 397.00 | 401.90 | 9,006 |
|---|
| 2026-09-03 | 402.00 | 410.00 | 398.00 | 398.30 | 5,367 |
|---|
| 2026-09-02 | 399.00 | 406.80 | 395.00 | 402.10 | 3,826 |
|---|
| 2026-09-01 | 392.60 | 403.80 | 392.60 | 403.00 | 4,514 |
|---|
| 2026-08-31 | 405.00 | 405.00 | 400.00 | 400.10 | 2,485 |
|---|
| 2026-08-26 | 411.10 | 412.00 | 402.00 | 404.10 | 5,330 |
|---|
PMLI share price by year
2026, between Rs. 392.60 and Rs. 543.60, 2025, between Rs. 427.88 and Rs. 592.06, 2024, between Rs. 382.83 and Rs. 592.62 and 2023, between Rs. 438.68 and Rs. 524.31.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 392.60 | 543.60 | 168 |
|---|
| 2025 | 427.88 | 592.06 | 225 |
|---|
| 2024 | 382.83 | 592.62 | 232 |
|---|
| 2023 | 438.68 | 524.31 | 6 |
|---|
Prabhu Mahalaxmi Life Insurance share price returns
At Rs. 432.80 on 2026-09-22, PMLI is up 1.12% over 1 week, up 2.39% over 1 month, down 5.91% over 3 months, down 15.63% over 6 months and down 4.93% 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 | +1.12% | 428.00 | 2026-09-15 |
|---|
| 1 month | +2.39% | 422.70 | 2026-08-21 |
|---|
| 3 months | -5.91% | 460.00 | 2026-06-24 |
|---|
| 6 months | -15.63% | 513.00 | 2026-03-26 |
|---|
| 1 year | -4.93% | 455.25 | 2025-09-21 |
|---|
PMLI floorsheet for 2026-09-22
PMLI traded 135 times on 2026-09-22, moving 7,124 shares for Rs. 0.31 crore of turnover. Trades went through between Rs. 413.00 and Rs. 439.00.
Largest buyers by volume: broker 45, Imperial Securities Co. Limited on 3,360 shares across 29 trades, broker 17, ABC Securities Pvt. Limited on 890 shares across 6 trades, broker 72, Hatemalo Financial Services Private Limited on 692 shares across 30 trades, broker 34, Vision Securities Pvt.Limited on 501 shares across 7 trades, broker 42, Sani Securities Company Limited on 350 shares across 6 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 250 shares across 3 trades, broker 51, Oxford Securities Pvt.Ltd on 226 shares across 5 trades, broker 19, Nepal Investment & Securities Trading Pvt. Limited on 200 shares across 1 trades, broker 21, Midas Stock Broking Company Pvt. Limited on 176 shares across 6 trades and broker 48, Trishakti Securities Public Limited on 133 shares across 7 trades.
Largest sellers by volume: broker 63, Himalayan Brokerage Company Limited on 2,000 shares across 15 trades, broker 56, Sri Hari Securities Pvt.Ltd on 1,417 shares across 10 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 1,013 shares across 6 trades, broker 21, Midas Stock Broking Company Pvt. Limited on 518 shares across 5 trades, broker 84, Milky Way Share Broker Company Ltd on 500 shares across 3 trades, broker 45, Imperial Securities Co. Limited on 493 shares across 8 trades, broker 42, Sani Securities Company Limited on 142 shares across 5 trades, broker 34, Vision Securities Pvt.Limited on 126 shares across 8 trades, broker 32, Premier Securites Company Limited on 106 shares across 4 trades and broker 58, Naasa Securities Co. Ltd. on 102 shares across 10 trades.
PMLI dividend history: bonus shares and cash dividend
Prabhu Mahalaxmi Life Insurance Limited most recently declared a 4% bonus share issue and a 4.421% cash dividend, 8.421% in total for 2081/2082, announced on 2025-12-22. 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% | 4.421% | 2025-12-22 |
| 2080/2081 | 8% | | 2025-05-16 |
| 2079/2080 | 10% | | 2024-09-24 |
| 2077/2078 | 9.8% | | 2023-05-21 |
For 2081/2082 Prabhu Mahalaxmi Life Insurance Limited declared a 4% bonus share issue and a 4.421% cash dividend, 8.421% in total, announced on 2025-12-22.
For 2080/2081 Prabhu Mahalaxmi Life Insurance Limited declared an 8% bonus share issue, announced on 2025-05-16.
For 2079/2080 Prabhu Mahalaxmi Life Insurance Limited declared a 10% bonus share issue, announced on 2024-09-24.
For 2077/2078 Prabhu Mahalaxmi Life Insurance Limited declared a 9.8% bonus share issue, announced on 2023-05-21.
PMLI right share issues
Right issues Prabhu Mahalaxmi Life Insurance Limited has announced. A right share is offered to existing shareholders in proportion to what they already hold.
PMLI general meetings
Annual and special general meetings Prabhu Mahalaxmi Life Insurance Limited has called. A dividend is declared by the board and approved at the AGM.
- SGM for 2081/2082: on 2026-04-02, at Amrapali Banquet, Bhatbhateni, Kathmandu (9:00 AM)
- 9th AGM for 2081/2082: on 2026-01-13, at Silver Oak Banquet and Event Center, Gairidhara, Kathmandu (11:00 AM)
- 8th AGM for 2080/2081: on 2025-06-09, at Amrapali Banquet, Bhatbhateni, Naxal, Kathmandu (11:00 AM)
6 years of annual statements and 9 quarters of results for PMLI, with charts and peer comparison, are free on NepView.
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