Rastriya Beema Company Limited (RBCL) Share Price & Fundamentals
Rastriya Beema (RBCL) share price is Rs. 14,000.00, up 2.38% on 2026-09-22. Open Rs. 14,000.00. High Rs. 14,400.00. Low Rs. 14,000.00. Volume 232.
Rastriya Beema Company Limited is a NEPSE-listed company (RBCL), Non Life Insurance sector.
About Rastriya Beema Company Limited
Rastriya Beema Company Limited (RBCL) has 26,66,391 shares outstanding.
RBCL key metrics
RBCL strengths
What Rastriya Beema Company Limited's own accounts show in its favour, graded against the rest of its sector.
- Holds 3.62x of the safety capital required, comfortably above the 1.5 times the regulator sets. (Solvency)
- Each share earned Rs 129.18 of profit over the year. (Shareholder Returns)
- Has 372.6% set aside against claims already reported, so it is well prepared to pay. (Claims & Reserving)
- Turns 37.8% of its income into profit once every cost is paid. (Profitability)
- 50.6% of income comes from investment returns, not just from selling policies. (Investment Performance)
RBCL 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 200.3% of premiums. Above 100% means it loses money on insurance and relies on investments. (Underwriting Performance)
- Premiums moved -6.4% on last year, so the business is not expanding. (Premium Growth & Scale)
- Running costs take 123.9% of premiums, a heavy load on what customers pay in. (Underwriting Performance)
- 76.4% of premiums go out as claims, so there is little margin on what it sells. (Underwriting Performance)
- Passes most risk on, keeping only 15.6%, so much of the premium goes elsewhere. (Claims & Reserving)
RBCL Q4 2082/83 results
In Q4 2082/83 Rastriya Beema Company Limited reported profit of Rs. 5.55 crore and net earned premiums of Rs. 7 crore. Profit in Q3 2082/83 was Rs. 11.17 crore. Profit fell 50.32% on the previous quarter. Net earned premiums fell 7.55% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 3.2 crore. Profit grew 73.50% on the same quarter last year. Net earned premiums fell 13.19% on the same quarter last year.
RBCL quarterly for Q4 2082/83
In the quarter Q4 2082/83, Rastriya Beema Company Limited reported net earned premiums of Rs. 7 crore, other income of Rs. 10.26 crore, total income of Rs. 17.26 crore, net claims incurred of Rs. 1.6 crore, other expenses of Rs. 10.61 crore, total expenses of Rs. 9.01 crore, profit before tax of Rs. 8.25 crore and net profit for the year of Rs. 5.55 crore.
Reported under net earned premiums: gross earned premiums of Rs. 53.31 crore and premiums ceded of Rs. 46.31 crore. Reported under other income: commission income of Rs. 5.24 crore, other direct income of Rs. 0 crore, income from investments & loans of Rs. 4.85 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. 0.17 crore. Reported under net claims incurred: gross claims paid of Rs. 11.75 crore, claims ceded of Rs. 8.89 crore, gross change in contract liabilities of Rs. 31.73 crore and change in contract liabilities ceded to reinsurers of Rs. 27.26 crore. Reported under other expenses: commission expenses of Rs. 0.13 crore, service fees of Rs. 0.02 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 6.05 crore, depreciation and amortization expenses of Rs. 0.19 crore, impairment losses of Rs. 0.75 crore, other operating expenses of Rs. 3.47 crore and finance cost of Rs. 0 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. 2.7 crore.
RBCL quarterly for Q3 2082/83
In the quarter Q3 2082/83, Rastriya Beema Company Limited reported net earned premiums of Rs. 7.57 crore, other income of Rs. 12.01 crore, total income of Rs. 19.58 crore, net claims incurred of Rs. 1.09 crore, other expenses of Rs. 5.81 crore, total expenses of Rs. 4.73 crore, profit before tax of Rs. 14.86 crore and net profit for the year of Rs. 11.17 crore.
Reported under net earned premiums: gross earned premiums of Rs. 46.17 crore and premiums ceded of Rs. 38.6 crore. Reported under other income: commission income of Rs. 6.17 crore, other direct income of Rs. 0 crore, income from investments & loans of Rs. 6.42 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. 0.58 crore. Reported under net claims incurred: gross claims paid of Rs. 10.72 crore, claims ceded of Rs. 9.21 crore, gross change in contract liabilities of Rs. 11.47 crore and change in contract liabilities ceded to reinsurers of Rs. 8.88 crore. Reported under other expenses: commission expenses of Rs. 0.06 crore, service fees of Rs. 0.07 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 3.05 crore, depreciation and amortization expenses of Rs. 0.22 crore, impairment losses of Rs. 0.75 crore, other operating expenses of Rs. 1.67 crore and finance cost of Rs. 0 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. 3.69 crore.
RBCL quarterly for Q2 2082/83
In the quarter Q2 2082/83, Rastriya Beema Company Limited reported net earned premiums of Rs. 4.79 crore, other income of Rs. 32.32 crore, total income of Rs. 37.1 crore, net claims incurred of Rs. 1.74 crore, other expenses of Rs. 7.68 crore, total expenses of Rs. 9.42 crore, profit before tax of Rs. 27.68 crore and net profit for the year of Rs. 27.68 crore.
Reported under net earned premiums: gross earned premiums of Rs. 26.24 crore and premiums ceded of Rs. 21.46 crore. Reported under other income: commission income of Rs. 2.8 crore, other direct income of Rs. 0 crore, income from investments & loans of Rs. 29.49 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. 0.03 crore. Reported under net claims incurred: gross claims paid of Rs. 3.05 crore, claims ceded of Rs. 1.91 crore, gross change in contract liabilities of Rs. 0.81 crore and change in contract liabilities ceded to reinsurers of Rs. 1.41 crore. Reported under other expenses: commission expenses of Rs. 0.07 crore, service fees of Rs. 0.03 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 5.31 crore, depreciation and amortization expenses of Rs. 0.2 crore, impairment losses of Rs. 0.75 crore, other operating expenses of Rs. 1.33 crore and finance cost of Rs. 0 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 crore.
RBCL quarterly for Q1 2082/83
In the quarter Q1 2082/83, Rastriya Beema Company Limited reported net earned premiums of Rs. 3.8 crore, other income of Rs. 13.46 crore, total income of Rs. 17.26 crore, net claims incurred of Rs. 18.64 crore, other expenses of Rs. 8.57 crore, total expenses of Rs. 27.21 crore, profit before tax of Rs. 9.95 crore and net profit for the year of Rs. 9.95 crore.
Reported under net earned premiums: gross earned premiums of Rs. 22.42 crore and premiums ceded of Rs. 18.61 crore. Reported under other income: commission income of Rs. 8.05 crore, other direct income of Rs. 0 crore, income from investments & loans of Rs. 5.37 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. 0.04 crore. Reported under net claims incurred: gross claims paid of Rs. 4.59 crore, claims ceded of Rs. 3.13 crore, gross change in contract liabilities of Rs. 76 crore and change in contract liabilities ceded to reinsurers of Rs. 58.82 crore. Reported under other expenses: commission expenses of Rs. 0.09 crore, service fees of Rs. 0.04 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 6.42 crore, depreciation and amortization expenses of Rs. 0.21 crore, impairment losses of Rs. 0.75 crore, other operating expenses of Rs. 1.05 crore and finance cost of Rs. 0 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 crore.
RBCL 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 | 7.0 | 7.6 | 4.8 | 3.8 | 8.1 | 0.61 | -2.7 | 18.8 | 20.9 |
|---|
| Gross Earned Premiums | 53.3 | 46.2 | 26.2 | 22.4 | 46.4 | 4.8 | 33.8 | 63.5 | 49.6 |
|---|
| Premiums Ceded | -46.3 | -38.6 | -21.5 | -18.6 | -38.3 | -4.2 | -36.5 | -44.7 | -28.7 |
|---|
| Other Income | 10.3 | 12.0 | 32.3 | 13.5 | 11.2 | 12.2 | 33.7 | 22.7 | 17.0 |
|---|
| Commission Income | 5.2 | 6.2 | 2.8 | 8.1 | 2.9 | 3.9 | 2.5 | 10.8 | 2.7 |
|---|
| Other Direct Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Income from Investments & Loans | 4.9 | 6.4 | 29.5 | 5.4 | 7.9 | 8.5 | 31.0 | 11.8 | 13.7 |
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| Net Gain/(Loss) on Fair Value Changes | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Net Realised Gains/(Losses) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Other Income | 0.17 | -0.58 | 0.03 | 0.04 | 0.39 | -0.24 | 0.18 | 0.11 | 0.57 |
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| Total Income | 17.3 | 19.6 | 37.1 | 17.3 | 19.3 | 12.8 | 31.0 | 41.5 | 37.9 |
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| Net Claims Incurred | 1.6 | 1.1 | -1.7 | -18.6 | -2.9 | 0.42 | -3.1 | -1.5 | -5.9 |
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| Gross Claims Paid | -11.8 | -10.7 | -3.0 | -4.6 | -6.9 | -18.0 | -2.9 | -4.9 | -0.24 |
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| Claims Ceded | 8.9 | 9.2 | 1.9 | 3.1 | 4.3 | 16.4 | 2.1 | 4.2 | -0.83 |
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| Gross Change in Contract Liabilities | 31.7 | 11.5 | 0.81 | -76.0 | 7.0 | 34.3 | -37.0 | -0.84 | -4.9 |
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| Change in Contract Liabilities Ceded to Reinsurers | -27.3 | -8.9 | -1.4 | 58.8 | -7.3 | -32.2 | 34.7 | 0.00 | 0.00 |
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| Other Expenses | -10.6 | -5.8 | -7.7 | -8.6 | -11.2 | -6.0 | -8.5 | -14.7 | -13.8 |
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| Commission Expenses | -0.13 | -0.06 | -0.07 | -0.09 | -0.08 | -0.12 | -0.46 | -0.32 | -0.38 |
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| Service Fees | -0.02 | -0.07 | -0.03 | -0.04 | -0.04 | -0.04 | -0.01 | -0.10 | 0.00 |
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| Other Direct Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Employee Benefits Expenses | -6.0 | -3.0 | -5.3 | -6.4 | -7.3 | -3.6 | -5.8 | -8.0 | -6.7 |
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| Depreciation and Amortization Expenses | -0.19 | -0.22 | -0.20 | -0.21 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Impairment Losses | -0.75 | -0.75 | -0.75 | -0.75 | 0.00 | 0.00 | 0.00 | -5.0 | -4.0 |
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| Other Operating Expenses | -3.5 | -1.7 | -1.3 | -1.1 | -3.8 | -2.2 | -2.2 | -1.3 | -2.7 |
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| Finance Cost | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Total Expenses | -9.0 | -4.7 | -9.4 | -27.2 | -14.1 | -5.5 | -11.6 | -16.2 | -19.7 |
|---|
| Profit Before Tax | 8.3 | 14.9 | 27.7 | -10.0 | 5.2 | 7.2 | 19.4 | 25.3 | 18.2 |
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| Share of Net Profit of Associates (Equity Method) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Net Profit for the Year | 5.5 | 11.2 | 27.7 | -10.0 | 3.2 | 4.9 | 19.0 | 15.7 | 11.1 |
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| Income Tax Expense | -2.7 | -3.7 | 0.00 | 0.00 | -2.0 | -2.3 | -0.36 | -9.7 | -7.1 |
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Rastriya Beema share price history
Over the last 15 trading sessions RBCL closed between Rs. 13,250.00 and Rs. 14,000.00, finishing at Rs. 14,000.00 on 2026-09-22 against Rs. 13,800.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 14,000.00 | 14,400.00 | 14,000.00 | 14,000.00 | 232 |
|---|
| 2026-09-18 | 13,675.00 | 13,675.00 | 13,675.00 | 13,675.00 | 20 |
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| 2026-09-17 | 14,000.00 | 14,000.00 | 13,600.00 | 13,655.00 | 50 |
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| 2026-09-16 | 13,898.00 | 13,900.00 | 13,500.00 | 13,500.00 | 160 |
|---|
| 2026-09-15 | 13,350.00 | 13,800.00 | 13,350.00 | 13,601.00 | 314 |
|---|
| 2026-09-14 | 13,365.00 | 13,365.00 | 13,330.00 | 13,330.00 | 101 |
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| 2026-09-11 | 13,579.00 | 13,620.00 | 13,579.00 | 13,620.00 | 40 |
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| 2026-09-10 | 13,303.00 | 13,500.00 | 13,250.00 | 13,250.00 | 550 |
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| 2026-09-09 | 14,168.00 | 14,168.00 | 13,381.10 | 13,381.10 | 60 |
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| 2026-09-07 | 13,755.60 | 13,755.60 | 13,755.60 | 13,755.60 | 10 |
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| 2026-09-03 | 13,400.00 | 13,489.00 | 13,355.00 | 13,355.00 | 50 |
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| 2026-09-02 | 13,106.00 | 13,699.00 | 13,106.00 | 13,301.00 | 255 |
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| 2026-09-01 | 13,789.00 | 13,789.00 | 13,500.00 | 13,500.00 | 30 |
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| 2026-08-31 | 13,470.00 | 13,470.00 | 13,388.00 | 13,388.00 | 225 |
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| 2026-08-26 | 14,275.00 | 14,275.00 | 13,735.00 | 13,800.00 | 50 |
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RBCL share price by year
2026, between Rs. 13,106.00 and Rs. 16,261.00, 2025, between Rs. 14,024.00 and Rs. 16,900.00, 2024, between Rs. 12,800.00 and Rs. 22,493.90, 2023, between Rs. 12,200.00 and Rs. 17,140.00, 2022, between Rs. 12,215.00 and Rs. 20,499.00 and 2021, between Rs. 13,907.00 and Rs. 24,370.00.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 13,106.00 | 16,261.00 | 167 |
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| 2025 | 14,024.00 | 16,900.00 | 224 |
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| 2024 | 12,800.00 | 22,493.90 | 232 |
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| 2023 | 12,200.00 | 17,140.00 | 227 |
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| 2022 | 12,215.00 | 20,499.00 | 242 |
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| 2021 | 13,907.00 | 24,370.00 | 211 |
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| 2020 | 8,302.18 | 16,825.00 | 180 |
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| 2019 | 7,406.78 | 11,439.67 | 228 |
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| 2018 | 8,087.06 | 15,680.32 | 233 |
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| 2017 | 5,040.88 | 19,897.15 | 217 |
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| 2016 | 2,570.49 | 7,724.95 | 75 |
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| 2015 | 2,283.28 | 2,833.56 | 49 |
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Rastriya Beema share price returns
At Rs. 14,000.00 on 2026-09-22, RBCL is up 2.93% over 1 week, down 0.50% over 1 month, down 2.77% over 3 months, down 12.17% over 6 months, down 6.65% over 1 year and down 24.53% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.
| Period | Return | From price (Rs.) | From date |
|---|
| 1 week | +2.93% | 13,601.00 | 2026-09-15 |
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| 1 month | -0.50% | 14,069.80 | 2026-08-21 |
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| 3 months | -2.77% | 14,399.00 | 2026-06-24 |
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| 6 months | -12.17% | 15,940.00 | 2026-03-26 |
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| 1 year | -6.65% | 14,997.79 | 2025-09-21 |
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| 5 years | -24.53% | 18,550.00 | 2021-09-23 |
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RBCL floorsheet for 2026-09-22
RBCL traded 15 times on 2026-09-22, moving 232 shares for Rs. 0.33 crore of turnover. Trades went through between Rs. 14,000.00 and Rs. 14,400.00.
Largest buyers by volume: broker 43, South Asian Bulls Pvt.Limited on 142 shares across 6 trades, broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 50 shares across 5 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 20 shares across 2 trades, broker 49, Online Securities Limited on 10 shares across 1 trades and broker 59, Deevyaa Securities & Stock House Pvt. Ltd on 10 shares across 1 trades.
Largest sellers by volume: broker 44, Dynamic Money Managers Securities Pvt.Ltd on 40 shares across 1 trades, broker 47, Neev Securities Pvt.Ltd on 40 shares across 1 trades, broker 95, Magnet Securities and Investment Company Private Limited on 30 shares across 3 trades, broker 7, J.F. Securities Company Pvt. Limited on 20 shares across 1 trades, broker 26, Asian Securities Pvt. Limited on 20 shares across 2 trades, broker 33, Dakshinkali Investment Securities Pvt.Limited on 20 shares across 1 trades, broker 52, Sundhara Securities Limited on 12 shares across 1 trades, broker 65, Sharepro Securities Private Limited on 10 shares across 1 trades, broker 3, Arun Securities Pvt. Limited on 10 shares across 1 trades and broker 35, Kohinoor Investment and Securities Pvt.Ltd on 10 shares across 1 trades.
RBCL general meetings
Annual and special general meetings Rastriya Beema Company Limited has called. A dividend is declared by the board and approved at the AGM.
- 4th AGM for 2078/2079: on 2026-09-18, at Anmol Catering Service Pvt. Ltd, Sankhamul, Kathmandu (11:00 AM)
- 4th AGM for 2078/2079
- 3rd AGM for 2076/2077: on 2025-07-13
9 quarters of results for RBCL, with charts and peer comparison, are free on NepView.
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