Reliable Nepal Life Insurance (RNLI) share price is Rs. 452.00, down 1.01% on 2026-11-02. Open Rs. 456.70. High Rs. 462.00. Low Rs. 450.10. Volume 42,056.
Reliable Nepal Life Insurance Limited is a NEPSE-listed company (RNLI), Life Insurance sector. Premium: Rs. 503.3 Crore. Net profit: Rs. 67.01 Crore. Net worth: Rs. 775.3 Crore.
Reliable Nepal Life Insurance Limited is a NEPSE-listed life insurer headquartered at Gyaneshwor, Kathmandu. It offers life insurance products across Nepal and reports consolidated (Group) and standalone (Insurance) financials.
Reliable Nepal Life Insurance Limited (RNLI) has 5,19,68,000 shares outstanding. It listed on NEPSE in 2076. Its most recent declared dividend was 12.00% on face value.
| Market Cap | Rs. 2,348.95 Crore |
|---|---|
| P/E Ratio | 35.05 |
| P/E Ratio (TTM) | 40.47 |
| EPS | Rs. 12.89 |
| EPS (TTM) | Rs. 11.17 |
| Book Value | Rs. 149.19 |
| Dividend Yield | 2.65% |
| Face Value | Rs. 100.00 |
| 52 Week High | Rs. 520.20 |
| 52 Week Low | Rs. 402.00 |
| Listed Since | 2076 |
What Reliable Nepal Life Insurance Limited's own accounts show in its favour, graded against the rest of its sector.
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
In the third quarter of 2082/83 (Q3 2082/83) Reliable Nepal Life Insurance Limited reported profit of Rs. 9.07 crore and net earned premiums of Rs. 141.71 crore. Profit in Q2 2082/83 was Rs. 13.88 crore. Profit fell 34.63% on the previous quarter. Net earned premiums fell 6.02% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was Rs. 10.89 crore. Profit fell 16.69% on the same quarter last year. Net earned premiums grew 12.40% on the same quarter last year.
For the financial year 2081/82 Reliable Nepal Life Insurance Limited reported net profit of Rs. 67.01 crore, net earned premiums of Rs. 503.3 crore and net worth of Rs. 775.3 crore. Net profit in 2080/81 was Rs. 39.05 crore. Net profit grew 71.62% on the year. Net earned premiums grew 31.84% on the year.
In the financial year 2081/82, Reliable Nepal Life Insurance Limited reported net earned premiums of Rs. 503.3 crore, other income of Rs. 190.28 crore, total income of Rs. 693.59 crore, net benefits and claims paid of Rs. 480.74 crore, other expenses of Rs. 142.21 crore, total expenses of Rs. 622.95 crore, profit before tax of Rs. 70.64 crore and net profit for the year of Rs. 67.01 crore.
Reported under net earned premiums: gross earned premiums of Rs. 540.12 crore and premiums ceded of Rs. 36.82 crore. Reported under other income: commission income of Rs. 0 crore, other direct income of Rs. 1.79 crore, interest income on loan to policyholders of Rs. 6.05 crore, income from investments and loans of Rs. 143.24 crore, net gain/(loss) on fair value changes of Rs. 17.88 crore, net realised gains/(losses) of Rs. 20.48 crore and other income of Rs. 0.86 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 143.69 crore, claims ceded of Rs. 18.88 crore, gross change in contract liabilities of Rs. 356.49 crore and change in contract liabilities ceded to reinsurers of Rs. 0.55 crore. Reported under other expenses: commission expenses of Rs. 53.62 crore, service fees of Rs. 3.77 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 38.57 crore, depreciation and amortization expenses of Rs. 3.63 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 41.45 crore and finance cost of Rs. 1.16 crore. Reported under net profit for the year: income tax expenses of Rs. 3.63 crore.
In the financial year 2080/81, Reliable Nepal Life Insurance Limited reported net earned premiums of Rs. 381.76 crore, other income of Rs. 145.41 crore, total income of Rs. 527.17 crore, net benefits and claims paid of Rs. 361.8 crore, other expenses of Rs. 124.16 crore, total expenses of Rs. 485.96 crore, profit before tax of Rs. 41.21 crore and net profit for the year of Rs. 39.05 crore.
Reported under net earned premiums: gross earned premiums of Rs. 421.11 crore and premiums ceded of Rs. 39.35 crore. Reported under other income: commission income of Rs. 0 crore, other direct income of Rs. 1.41 crore, interest income on loan to policyholders of Rs. 3.38 crore, income from investments and loans of Rs. 133.95 crore, net gain/(loss) on fair value changes of Rs. 6.31 crore, net realised gains/(losses) of Rs. 0.05 crore and other income of Rs. 0.31 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 124.57 crore, claims ceded of Rs. 11.57 crore, gross change in contract liabilities of Rs. 250.79 crore and change in contract liabilities ceded to reinsurers of Rs. 1.99 crore. Reported under other expenses: commission expenses of Rs. 48.69 crore, service fees of Rs. 2.84 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 31.54 crore, depreciation and amortization expenses of Rs. 2.92 crore, impairment losses of Rs. 0.39 crore, other operating expenses of Rs. 36.95 crore and finance cost of Rs. 0.83 crore. Reported under net profit for the year: income tax expenses of Rs. 2.17 crore.
In the financial year 2079/80, Reliable Nepal Life Insurance Limited reported net earned premiums of Rs. 357.04 crore, other income of Rs. 96.83 crore, total income of Rs. 453.87 crore, net benefits and claims paid of Rs. 301.26 crore, other expenses of Rs. 120.11 crore, total expenses of Rs. 421.37 crore, profit before tax of Rs. 32.51 crore and net profit for the year of Rs. 33.03 crore.
Reported under net earned premiums: gross earned premiums of Rs. 379.59 crore and premiums ceded of Rs. 22.54 crore. Reported under other income: commission income of Rs. 0 crore, other direct income of Rs. 0.59 crore, interest income on loan to policyholders of Rs. 2.07 crore, income from investments and loans of Rs. 91.79 crore, net gain/(loss) on fair value changes of Rs. 0.52 crore, net realised gains/(losses) of Rs. 2.84 crore and other income of Rs. 0.06 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 125.74 crore, claims ceded of Rs. 13.55 crore, gross change in contract liabilities of Rs. 188.99 crore and change in contract liabilities ceded to reinsurers of Rs. 0.08 crore. Reported under other expenses: commission expenses of Rs. 50.81 crore, service fees of Rs. 2.92 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 27.65 crore, depreciation and amortization expenses of Rs. 2.83 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 34.13 crore and finance cost of Rs. 1.76 crore. Reported under net profit for the year: income tax expenses of Rs. 0.53 crore.
In the financial year 2081/82, Reliable Nepal Life Insurance Limited reported total assets of Rs. 2,205.56 crore, total liabilities of Rs. 1,430.26 crore and total equity of Rs. 775.3 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.28 crore, property and equipment of Rs. 22.81 crore, deferred tax assets of Rs. 0 crore, investment in subsidiaries of Rs. 0 crore, investments of Rs. 1,952.1 crore, loans of Rs. 58.44 crore, reinsurance assets of Rs. 2.58 crore, current tax assets of Rs. 38.55 crore, insurance receivables of Rs. 3.88 crore, other assets of Rs. 41.96 crore, other financial assets of Rs. 32.23 crore and cash and cash equivalent of Rs. 52.72 crore. Reported under total liabilities: provisions of Rs. 6.28 crore, gross insurance contract liabilities of Rs. 1,359.14 crore, deferred tax liabilities of Rs. 4.14 crore, insurance payables of Rs. 1.93 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 11.58 crore and other financial liabilities of Rs. 47.19 crore. Reported under total equity: share capital of Rs. 519.68 crore, share premium of Rs. 139.16 crore, catastrophe reserves of Rs. 22.98 crore, retained earnings of Rs. 89.2 crore and other equity of Rs. 4.28 crore.
In the financial year 2080/81, Reliable Nepal Life Insurance Limited reported total assets of Rs. 1,796.41 crore, total liabilities of Rs. 1,064.5 crore and total equity of Rs. 731.91 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.24 crore, property and equipment of Rs. 17.11 crore, deferred tax assets of Rs. 0 crore, investment in subsidiaries of Rs. 0 crore, investments of Rs. 1,641.35 crore, loans of Rs. 44.94 crore, reinsurance assets of Rs. 2.03 crore, current tax assets of Rs. 34.06 crore, insurance receivables of Rs. 0.14 crore, other assets of Rs. 1 crore, other financial assets of Rs. 17.77 crore and cash and cash equivalent of Rs. 37.78 crore. Reported under total liabilities: provisions of Rs. 5.6 crore, gross insurance contract liabilities of Rs. 999.49 crore, deferred tax liabilities of Rs. 0.57 crore, insurance payables of Rs. 6.95 crore, borrowings of Rs. 0.53 crore, other liabilities of Rs. 9.9 crore and other financial liabilities of Rs. 41.45 crore. Reported under total equity: share capital of Rs. 464 crore, share premium of Rs. 175.16 crore, catastrophe reserves of Rs. 16.14 crore, retained earnings of Rs. 69.45 crore and other equity of Rs. 7.15 crore.
In the financial year 2079/80, Reliable Nepal Life Insurance Limited reported total assets of Rs. 1,192.38 crore, total liabilities of Rs. 792.36 crore and total equity of Rs. 400.02 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.21 crore, property and equipment of Rs. 13.57 crore, deferred tax assets of Rs. 1.48 crore, investment in subsidiaries of Rs. 0 crore, investments of Rs. 1,053.89 crore, loans of Rs. 36.69 crore, reinsurance assets of Rs. 0.04 crore, current tax assets of Rs. 25.65 crore, insurance receivables of Rs. 18.75 crore, other assets of Rs. 3.86 crore, other financial assets of Rs. 11.11 crore and cash and cash equivalent of Rs. 27.13 crore. Reported under total liabilities: provisions of Rs. 4.82 crore, gross insurance contract liabilities of Rs. 740.29 crore, deferred tax liabilities of Rs. 0 crore, insurance payables of Rs. 3.75 crore, borrowings of Rs. 1.48 crore, other liabilities of Rs. 7.74 crore and other financial liabilities of Rs. 34.27 crore. Reported under total equity: share capital of Rs. 280 crore, share premium of Rs. 0 crore, catastrophe reserves of Rs. 12.06 crore, retained earnings of Rs. 101.19 crore and other equity of Rs. 6.78 crore.
In the financial year 2081/82, Reliable Nepal Life Insurance Limited reported opening cash & cash equivalents of Rs. 37.78 crore, net cash flow from operating activities of Rs. 175.78 crore, net cash flow from investing activities of Rs. 157.91 crore, net cash flow from financing activities of Rs. 2.93 crore, net change in cash of Rs. 14.93 crore and closing cash & cash equivalents of Rs. 52.72 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 540.12 crore, commission / reinsurance commission received of Rs. 1.79 crore, claim recovery received from reinsurers of Rs. 18.88 crore, other income received of Rs. 3.37 crore, gross benefits and claims paid of Rs. 143.14 crore, reinsurance premium paid of Rs. 36.82 crore, commission paid of Rs. 53.62 crore, service fees paid of Rs. 3.77 crore, employee benefits expenses paid of Rs. 38.3 crore and other expenses paid of Rs. 41.93 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.06 crore, acquisitions of property and equipment of Rs. 9.63 crore, purchase of equity instruments of Rs. 75.55 crore, proceeds from sale of equity instruments of Rs. 20.12 crore, purchase of mutual funds of Rs. 21.6 crore, purchase of debentures of Rs. 4.66 crore, investments in deposits of Rs. 201.44 crore, interest income received of Rs. 146.09 crore, dividend received of Rs. 3.11 crore and loans against insurance policies of Rs. 13.51 crore. Reported under net cash flow from financing activities: proceeds from issue of share capital of Rs. 0 crore and dividend paid of Rs. 2.93 crore.
In the financial year 2080/81, Reliable Nepal Life Insurance Limited reported opening cash & cash equivalents of Rs. 27.13 crore, net cash flow from operating activities of Rs. 168.64 crore, net cash flow from investing activities of Rs. 449.73 crore, net cash flow from financing activities of Rs. 291.74 crore, net change in cash of Rs. 10.66 crore and closing cash & cash equivalents of Rs. 37.78 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 421.11 crore, commission / reinsurance commission received of Rs. 1.41 crore, claim recovery received from reinsurers of Rs. 11.57 crore, other income received of Rs. 0.37 crore, gross benefits and claims paid of Rs. 122.58 crore, reinsurance premium paid of Rs. 39.35 crore, commission paid of Rs. 48.69 crore, service fees paid of Rs. 2.84 crore, employee benefits expenses paid of Rs. 31.46 crore and other expenses paid of Rs. 37.11 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.06 crore, acquisitions of property and equipment of Rs. 5.99 crore, purchase of equity instruments of Rs. 160.11 crore, proceeds from sale of equity instruments of Rs. 0.05 crore, purchase of mutual funds of Rs. 0.95 crore, purchase of debentures of Rs. 44.23 crore, investments in deposits of Rs. 366.31 crore, interest income received of Rs. 137.09 crore, dividend received of Rs. 0.17 crore and loans against insurance policies of Rs. 8.63 crore. Reported under net cash flow from financing activities: proceeds from issue of share capital of Rs. 298.98 crore, share issuance cost paid of Rs. 3.82 crore and dividend distribution tax paid of Rs. 3.42 crore.
In the financial year 2079/80, Reliable Nepal Life Insurance Limited reported opening cash & cash equivalents of Rs. 34.41 crore, net cash flow from operating activities of Rs. 121.35 crore, net cash flow from investing activities of Rs. 268.63 crore, net cash flow from financing activities of Rs. 140 crore, net change in cash of Rs. 7.28 crore and closing cash & cash equivalents of Rs. 27.13 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 379.59 crore, commission / reinsurance commission received of Rs. 0.59 crore, claim recovery received from reinsurers of Rs. 13.55 crore, other income received of Rs. 0.06 crore, gross benefits and claims paid of Rs. 125.82 crore, reinsurance premium paid of Rs. 22.54 crore, commission paid of Rs. 50.81 crore, service fees paid of Rs. 2.92 crore, employee benefits expenses paid of Rs. 27.29 crore and other expenses paid of Rs. 34.3 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.11 crore, acquisitions of property and equipment of Rs. 2.99 crore, purchase of equity instruments of Rs. 12.54 crore, proceeds from sale of equity instruments of Rs. 2.78 crore, purchase of mutual funds of Rs. 0.88 crore, purchase of debentures of Rs. 32.99 crore, investments in deposits of Rs. 298.75 crore, interest income received of Rs. 93.37 crore, dividend received of Rs. 0.55 crore and loans against insurance policies of Rs. 15.3 crore. Reported under net cash flow from financing activities: proceeds from issue of share capital of Rs. 140 crore and dividend paid of Rs. 0 crore.
In the quarter Q3 2082/83, Reliable Nepal Life Insurance Limited reported net earned premiums of Rs. 141.71 crore, other income of Rs. 53.56 crore, total income of Rs. 195.26 crore, net benefits and claims paid of Rs. 151.54 crore, other expenses of Rs. 34.75 crore, total expenses of Rs. 186.3 crore, profit before tax of Rs. 8.97 crore and net profit for the year of Rs. 9.07 crore.
Reported under net earned premiums: gross earned premiums of Rs. 151.32 crore and premiums ceded of Rs. 9.61 crore. Reported under other income: commission income of Rs. 0 crore, other direct income of Rs. 0.43 crore, interest income on loan to policyholders of Rs. 0.39 crore, income from investments and loans of Rs. 33.86 crore, net gain/(loss) on fair value changes of Rs. 16.53 crore, net realised gains/(losses) of Rs. 0.63 crore and other income of Rs. 1.72 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 45.73 crore, claims ceded of Rs. 8.26 crore, gross change in contract liabilities of Rs. 114.07 crore and change in contract liabilities ceded to reinsurers of Rs. 0 crore. Reported under other expenses: commission expenses of Rs. 13.78 crore, service fees of Rs. 1.13 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 10.06 crore, depreciation and amortization expenses of Rs. 0.97 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 8.53 crore and finance cost of Rs. 0.28 crore. Reported under net profit for the year: income tax expenses of Rs. 0.1 crore.
In the quarter Q2 2082/83, Reliable Nepal Life Insurance Limited reported net earned premiums of Rs. 150.79 crore, other income of Rs. 39.24 crore, total income of Rs. 190.03 crore, net benefits and claims paid of Rs. 134.94 crore, other expenses of Rs. 39.23 crore, total expenses of Rs. 174.17 crore, profit before tax of Rs. 15.86 crore and net profit for the year of Rs. 13.88 crore.
Reported under net earned premiums: gross earned premiums of Rs. 158.29 crore and premiums ceded of Rs. 7.5 crore. Reported under other income: commission income of Rs. 0 crore, other direct income of Rs. 0.4 crore, interest income on loan to policyholders of Rs. 4.09 crore, income from investments and loans of Rs. 40.75 crore, net gain/(loss) on fair value changes of Rs. 5.35 crore, net realised gains/(losses) of Rs. 0.01 crore and other income of Rs. 0.63 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 35.68 crore, claims ceded of Rs. 6.64 crore, gross change in contract liabilities of Rs. 105.9 crore and change in contract liabilities ceded to reinsurers of Rs. 0 crore. Reported under other expenses: commission expenses of Rs. 14.73 crore, service fees of Rs. 1.19 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 12.36 crore, depreciation and amortization expenses of Rs. 0.98 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 9.68 crore and finance cost of Rs. 0.29 crore. Reported under net profit for the year: income tax expenses of Rs. 1.98 crore.
In the quarter Q1 2082/83, Reliable Nepal Life Insurance Limited reported net earned premiums of Rs. 142.94 crore, other income of Rs. 25.23 crore, total income of Rs. 168.18 crore, net benefits and claims paid of Rs. 110.85 crore, other expenses of Rs. 33.06 crore, total expenses of Rs. 143.92 crore, profit before tax of Rs. 24.26 crore and net profit for the year of Rs. 25.63 crore.
Reported under net earned premiums: gross earned premiums of Rs. 151.37 crore and premiums ceded of Rs. 8.43 crore. Reported under other income: commission income of Rs. 0 crore, other direct income of Rs. 0.41 crore, interest income on loan to policyholders of Rs. 0.68 crore, income from investments and loans of Rs. 34.99 crore, net gain/(loss) on fair value changes of Rs. 12.34 crore, net realised gains/(losses) of Rs. 0.2 crore and other income of Rs. 1.29 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 32.73 crore, claims ceded of Rs. 3.59 crore, gross change in contract liabilities of Rs. 81.71 crore and change in contract liabilities ceded to reinsurers of Rs. 0 crore. Reported under other expenses: commission expenses of Rs. 13.72 crore, service fees of Rs. 1.14 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 10.49 crore, depreciation and amortization expenses of Rs. 1 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 6.41 crore and finance cost of Rs. 0.31 crore. Reported under net profit for the year: income tax expenses of Rs. 1.37 crore.
In the quarter Q4 2081/82, Reliable Nepal Life Insurance Limited reported net earned premiums of Rs. 155.31 crore, other income of Rs. 52.7 crore, total income of Rs. 208.01 crore, net benefits and claims paid of Rs. 139.91 crore, other expenses of Rs. 51.31 crore, total expenses of Rs. 191.22 crore, profit before tax of Rs. 16.79 crore and net profit for the year of Rs. 13.9 crore.
Reported under net earned premiums: gross earned premiums of Rs. 170.88 crore and premiums ceded of Rs. 15.57 crore. Reported under other income: commission income of Rs. 0 crore, other direct income of Rs. 0.45 crore, interest income on loan to policyholders of Rs. 0.12 crore, income from investments and loans of Rs. 35.78 crore, net gain/(loss) on fair value changes of Rs. 18.16 crore, net realised gains/(losses) of Rs. 0.41 crore and other income of Rs. 2.22 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 40 crore, claims ceded of Rs. 8.41 crore, gross change in contract liabilities of Rs. 108.33 crore and change in contract liabilities ceded to reinsurers of Rs. 0 crore. Reported under other expenses: commission expenses of Rs. 17.71 crore, service fees of Rs. 0.96 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 10.33 crore, depreciation and amortization expenses of Rs. 1.35 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 20.42 crore and finance cost of Rs. 0.53 crore. Reported under net profit for the year: income tax expenses of Rs. 2.89 crore.
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|---|---|---|---|
| Net Earned Premiums | 503 | 382 | 357 | 383 |
| Gross Earned Premiums | 540 | 421 | 380 | 404 |
| Premiums Ceded | -36.8 | -39.4 | -22.5 | -21.5 |
| Other Income | 190 | 145 | 96.8 | 59.2 |
| Commission Income | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Direct Income | 1.8 | 1.4 | 0.59 | 0.56 |
| Interest Income on Loan to Policyholders | 6.0 | 3.4 | 2.1 | 0.38 |
| Income from Investments and Loans | 143 | 134 | 91.8 | 59.3 |
| Net Gain/(Loss) on Fair Value Changes | 17.9 | 6.3 | -0.52 | -1.5 |
| Net Realised Gains/(Losses) | 20.5 | 0.05 | 2.8 | 0.01 |
| Other Income | 0.86 | 0.31 | 0.06 | 0.56 |
| Total Income | 694 | 527 | 454 | 442 |
| Net Benefits and Claims Paid | -481 | -362 | -301 | -274 |
| Gross Benefits and Claims Paid | -144 | -125 | -126 | -119 |
| Claims Ceded | 18.9 | 11.6 | 13.5 | 30.5 |
| Gross Change in Contract Liabilities | -356 | -251 | -189 | -185 |
| Change in Contract Liabilities Ceded to Reinsurers | 0.55 | 2.0 | -0.08 | 0.12 |
| Other Expenses | -142 | -124 | -120 | -136 |
| Commission Expenses | -53.6 | -48.7 | -50.8 | -58.0 |
| Service Fees | -3.8 | -2.8 | -2.9 | -3.8 |
| Other Direct Expenses | 0.00 | 0.00 | 0.00 | 0.00 |
| Employee Benefits Expenses | -38.6 | -31.5 | -27.7 | -26.6 |
| Depreciation and Amortization Expenses | -3.6 | -2.9 | -2.8 | -2.5 |
| Impairment Losses | 0.00 | -0.39 | 0.00 | 0.00 |
| Other Operating Expenses | -41.5 | -37.0 | -34.1 | -44.4 |
| Finance Cost | -1.2 | -0.83 | -1.8 | -0.71 |
| Total Expenses | -623 | -486 | -421 | -410 |
| Profit Before Tax | 70.6 | 41.2 | 32.5 | 32.4 |
| Net Profit for the Year | 67.0 | 39.0 | 33.0 | 33.0 |
| Income Tax Expenses | -3.6 | -2.2 | 0.53 | 0.63 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|---|---|---|---|
| Total Assets | 2,206 | 1,796 | 1,192 | 836 |
| Goodwill & Intangible Assets | 0.28 | 0.24 | 0.21 | 0.12 |
| Property and Equipment | 22.8 | 17.1 | 13.6 | 13.4 |
| Deferred Tax Assets | 0.00 | 0.00 | 1.5 | 1.4 |
| Investment in Subsidiaries | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 1,952 | 1,641 | 1,054 | 708 |
| Loans | 58.4 | 44.9 | 36.7 | 21.4 |
| Reinsurance Assets | 2.6 | 2.0 | 0.04 | 0.12 |
| Current Tax Assets | 38.6 | 34.1 | 25.6 | 19.5 |
| Insurance Receivables | 3.9 | 0.14 | 18.7 | 24.6 |
| Other Assets | 42.0 | 1.00 | 3.9 | 2.6 |
| Other Financial Assets | 32.2 | 17.8 | 11.1 | 9.8 |
| Cash and Cash Equivalent | 52.7 | 37.8 | 27.1 | 34.4 |
| Total Liabilities | 1,430 | 1,064 | 792 | 610 |
| Provisions | 6.3 | 5.6 | 4.8 | 3.8 |
| Gross Insurance Contract Liabilities | 1,359 | 999 | 740 | 552 |
| Deferred Tax Liabilities | 4.1 | 0.57 | 0.00 | 0.00 |
| Insurance Payables | 1.9 | 7.0 | 3.8 | 2.2 |
| Borrowings | 0.00 | 0.53 | 1.5 | 0.00 |
| Other Liabilities | 11.6 | 9.9 | 7.7 | 9.4 |
| Other Financial Liabilities | 47.2 | 41.4 | 34.3 | 42.8 |
| Total Equity | 775 | 732 | 400 | 226 |
| Share Capital | 520 | 464 | 280 | 140 |
| Share Premium | 139 | 175 | 0.00 | 0.00 |
| Catastrophe Reserves | 23.0 | 16.1 | 12.1 | 8.8 |
| Retained Earnings | 89.2 | 69.5 | 101 | 72.3 |
| Other Equity | 4.3 | 7.2 | 6.8 | 4.9 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 37.8 | 27.1 | 34.4 | 36.6 |
| Net Cash Flow from Operating Activities | 176 | 169 | 121 | 149 |
| Gross Premium Received | 540 | 421 | 380 | 404 |
| Commission / Reinsurance Commission Received | 1.8 | 1.4 | 0.59 | 0.56 |
| Claim Recovery Received from Reinsurers | 18.9 | 11.6 | 13.5 | 30.5 |
| Other Income Received | 3.4 | 0.37 | 0.06 | 0.56 |
| Gross Benefits and Claims Paid | -143 | -123 | -126 | -119 |
| Reinsurance Premium Paid | -36.8 | -39.4 | -22.5 | -21.5 |
| Commission Paid | -53.6 | -48.7 | -50.8 | -58.0 |
| Service Fees Paid | -3.8 | -2.8 | -2.9 | -3.8 |
| Employee Benefits Expenses Paid | -38.3 | -31.5 | -27.3 | -26.0 |
| Other Expenses Paid | -41.9 | -37.1 | -34.3 | -46.9 |
| Net Cash Flow from Investing Activities | -158 | -450 | -269 | -151 |
| Acquisitions of Intangible Assets | -0.06 | -0.06 | -0.11 | -0.02 |
| Acquisitions of Property and Equipment | -9.6 | -6.0 | -3.0 | -1.8 |
| Purchase of Equity Instruments | -75.5 | -160 | -12.5 | -28.9 |
| Proceeds from Sale of Equity Instruments | 20.1 | 0.05 | 2.8 | 0.01 |
| Purchase of Mutual Funds | -21.6 | -0.95 | -0.88 | 0.00 |
| Purchase of Debentures | -4.7 | -44.2 | -33.0 | -26.2 |
| Investments in Deposits | -201 | -366 | -299 | -145 |
| Interest Income Received | 146 | 137 | 93.4 | 59.4 |
| Dividend Received | 3.1 | 0.17 | 0.55 | 0.03 |
| Loans Against Insurance Policies | -13.5 | -8.6 | -15.3 | -8.7 |
| Net Cash Flow from Financing Activities | -2.9 | 292 | 140 | 0.00 |
| Proceeds from Issue of Share Capital | 0.00 | 299 | 140 | 0.00 |
| Dividend Paid | -2.9 | Not reported | 0.00 | 0.00 |
| Share Issuance Cost Paid | Not reported | -3.8 | Not reported | Not reported |
| Dividend Distribution Tax Paid | Not reported | -3.4 | Not reported | Not reported |
| Net Change in Cash | 14.9 | 10.7 | -7.3 | -2.2 |
| Closing Cash & Cash Equivalents | 52.7 | 37.8 | 27.1 | 34.4 |
Figures from Reliable Nepal Life Insurance Limited's quarterly reports, most recent quarter first.
Values in Rs. Crore unless stated otherwise.
| Particulars | 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 | 142 | 151 | 143 | 155 | 126 | 110 | 112 | 116 |
| Gross Earned Premiums | 151 | 158 | 151 | 171 | 131 | 118 | 121 | 123 |
| Premiums Ceded | -9.6 | -7.5 | -8.4 | -15.6 | -4.6 | -8.0 | -8.7 | -6.4 |
| Other Income | 53.6 | 39.2 | 25.2 | 52.7 | 45.6 | 13.9 | 71.3 | 39.4 |
| Commission Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Direct Income | 0.43 | 0.40 | 0.41 | 0.45 | 0.40 | 0.44 | 0.49 | 0.44 |
| Interest Income on Loan to Policyholders | 0.39 | 4.1 | 0.68 | 0.12 | 1.2 | 1.1 | 1.0 | 0.93 |
| Income from Investments and Loans | 33.9 | 40.7 | 35.0 | 35.8 | 38.0 | 25.3 | 44.1 | 35.9 |
| Net Gain/(Loss) on Fair Value Changes | 16.5 | -5.4 | -12.3 | 18.2 | -2.0 | -16.3 | 18.3 | 1.4 |
| Net Realised Gains/(Losses) | 0.63 | -0.01 | 0.20 | 0.41 | 5.1 | 3.2 | 7.2 | 0.39 |
| Other Income | 1.7 | -0.63 | 1.3 | -2.2 | 2.8 | 0.10 | 0.12 | 0.34 |
| Total Income | 195 | 190 | 168 | 208 | 172 | 124 | 183 | 156 |
| Net Benefits and Claims Paid | -152 | -135 | -111 | -140 | -135 | -84.2 | -126 | -110 |
| Gross Benefits and Claims Paid | 45.7 | -35.7 | -32.7 | -40.0 | 36.6 | -33.9 | -33.4 | -35.4 |
| Claims Ceded | -8.3 | 6.6 | 3.6 | 8.4 | -4.0 | 7.9 | 6.6 | 8.8 |
| Gross Change in Contract Liabilities | 114 | -106 | -81.7 | -108 | 94.0 | -58.2 | -99.1 | -83.1 |
| Change in Contract Liabilities Ceded to Reinsurers | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Expenses | -34.8 | -39.2 | -33.1 | -51.3 | -27.2 | -28.2 | -31.9 | -36.9 |
| Commission Expenses | -13.8 | -14.7 | -13.7 | -17.7 | -11.8 | -11.6 | -12.6 | -15.8 |
| Service Fees | -1.1 | -1.2 | -1.1 | -0.96 | -0.98 | -0.88 | -0.91 | -0.92 |
| Other Direct Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Employee Benefits Expenses | -10.1 | -12.4 | -10.5 | -10.3 | -8.4 | -6.8 | -10.0 | -7.9 |
| Depreciation and Amortization Expenses | -0.97 | -0.98 | -1.0 | -1.4 | -1.4 | -0.42 | -0.36 | -0.42 |
| Impairment Losses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Operating Expenses | -8.5 | -9.7 | -6.4 | -20.4 | -4.1 | -8.5 | -8.0 | -11.8 |
| Finance Cost | -0.28 | -0.29 | -0.31 | -0.53 | -0.60 | -0.03 | -0.00 | -0.09 |
| Total Expenses | -186 | -174 | -144 | -191 | -162 | -112 | -158 | -147 |
| Profit Before Tax | 9.0 | 15.9 | 24.3 | 16.8 | 9.8 | 11.2 | 25.6 | 9.0 |
| Net Profit for the Year | 9.1 | 13.9 | 25.6 | 13.9 | 10.9 | 15.4 | 21.2 | 8.9 |
| Income Tax Expenses | 0.10 | -2.0 | 1.4 | -2.9 | 1.0 | 4.2 | -4.4 | -0.09 |
Over the last 15 trading sessions RNLI closed between Rs. 439.30 and Rs. 459.90, finishing at Rs. 452.00 on 2026-11-02 against Rs. 439.70 on 2026-10-05.
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| 2026-11-02 | 456.70 | 462.00 | 450.10 | 452.00 | 42,056 |
| 2026-10-30 | 458.10 | 463.00 | 456.30 | 456.60 | 21,612 |
| 2026-10-29 | 459.90 | 460.50 | 454.10 | 458.90 | 48,024 |
| 2026-10-28 | 452.00 | 460.10 | 448.10 | 459.90 | 16,059 |
| 2026-10-27 | 453.00 | 454.00 | 450.00 | 451.00 | 9,548 |
| 2026-10-26 | 453.00 | 459.40 | 450.30 | 453.00 | 9,349 |
| 2026-10-16 | 453.90 | 459.60 | 451.20 | 459.00 | 11,111 |
| 2026-10-14 | 452.00 | 458.00 | 449.00 | 457.80 | 22,223 |
| 2026-10-13 | 442.10 | 451.60 | 442.10 | 451.30 | 21,013 |
| 2026-10-12 | 439.00 | 444.90 | 438.00 | 444.00 | 6,748 |
| 2026-10-09 | 460.00 | 460.00 | 437.70 | 443.00 | 7,856 |
| 2026-10-08 | 442.00 | 444.00 | 440.00 | 440.50 | 17,730 |
| 2026-10-07 | 439.50 | 442.00 | 439.30 | 442.00 | 16,600 |
| 2026-10-06 | 438.00 | 440.00 | 437.00 | 439.30 | 11,689 |
| 2026-10-05 | 437.00 | 439.90 | 430.10 | 439.70 | 14,823 |
2026, between Rs. 402.00 and Rs. 520.20, 2025, between Rs. 416.00 and Rs. 529.46, 2024, between Rs. 366.07 and Rs. 535.80 and 2023, between Rs. 300.18 and Rs. 465.67.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|---|---|---|
| 2026 | 402.00 | 520.20 | 190 |
| 2025 | 416.00 | 529.46 | 225 |
| 2024 | 366.07 | 535.80 | 232 |
| 2023 | 300.18 | 465.67 | 59 |
At Rs. 452.00 on 2026-11-02, RNLI is down 0.22% over 1 week, up 3.43% over 1 month, up 3.91% over 3 months, down 1.31% over 6 months and down 7.94% 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 | -0.22% | 453.00 | 2026-10-26 |
| 1 month | +3.43% | 437.00 | 2026-10-02 |
| 3 months | +3.91% | 435.00 | 2026-08-04 |
| 6 months | -1.31% | 458.00 | 2026-05-06 |
| 1 year | -7.94% | 491.00 | 2025-11-02 |
RNLI traded 252 times on 2026-11-02, moving 42,056 shares for Rs. 1.91 crore of turnover. Trades went through between Rs. 440.00 and Rs. 462.00.
Largest buyers by volume: broker 20, Sipla Securities Pvt. Limited on 14,300 shares across 18 trades, broker 53, Investment Management Nepal Pvt. Ltd. on 10,362 shares across 14 trades, broker 45, Imperial Securities Co. Limited on 2,500 shares across 29 trades, broker 100, Sunrise Securities Limited on 2,000 shares across 1 trades, broker 101, Apple Securities Private Limited on 1,478 shares across 12 trades, broker 48, Trishakti Securities Public Limited on 1,220 shares across 5 trades, broker 17, ABC Securities Pvt. Limited on 1,200 shares across 8 trades, broker 43, South Asian Bulls Pvt.Limited on 1,090 shares across 19 trades, broker 26, Asian Securities Pvt. Limited on 1,000 shares across 4 trades and broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 850 shares across 5 trades.
Largest sellers by volume: broker 33, Dakshinkali Investment Securities Pvt.Limited on 31,432 shares across 44 trades, broker 81, Aakashbhairab Securities Ltd. on 1,200 shares across 5 trades, broker 17, ABC Securities Pvt. Limited on 1,011 shares across 5 trades, broker 72, Hatemalo Financial Services Private Limited on 1,000 shares across 1 trades, broker 58, Naasa Securities Co. Ltd. on 888 shares across 37 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 608 shares across 6 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 570 shares across 4 trades, broker 40, Creative Securities Pvt.Limited on 532 shares across 6 trades, broker 48, Trishakti Securities Public Limited on 523 shares across 4 trades and broker 49, Online Securities Limited on 500 shares across 13 trades.
Reliable Nepal Life Insurance Limited most recently declared a 12% cash dividend for 2081/2082, announced on 2025-12-21. 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 | 12% | 2025-12-21 | |
| 2080/2081 | 12% | 2025-05-22 | |
| 2079/2080 | 16% | 2024-01-21 |
For 2081/2082 Reliable Nepal Life Insurance Limited declared a 12% cash dividend, announced on 2025-12-21.
For 2080/2081 Reliable Nepal Life Insurance Limited declared a 12% bonus share issue, announced on 2025-05-22.
For 2079/2080 Reliable Nepal Life Insurance Limited declared a 16% bonus share issue, announced on 2024-01-21.
Annual and special general meetings Reliable Nepal Life Insurance Limited has called. A dividend is declared by the board and approved at the AGM.
4 years of annual statements and 8 quarters of results for RNLI, with charts and peer comparison, are free on NepView.
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