Reliable Nepal Life Insurance Limited (RNLI) Share Price & Fundamentals
Reliable Nepal Life Insurance (RNLI) share price is Rs. 446.50, up 0.59% on 2026-09-22. Open Rs. 445.00. High Rs. 451.00. Low Rs. 435.20. Volume 29,501.
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.
About Reliable Nepal Life Insurance Limited
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.
RNLI key metrics
RNLI strengths
What Reliable Nepal Life Insurance Limited's own accounts show in its favour, graded against the rest of its sector.
- The number of live policies grew 793.6% on last year. (Premium Growth & Book Quality)
- 35.2% of what it owns belongs to shareholders rather than policyholders and lenders. (Solvency)
- The fund set aside for policyholders grew 20.4%, so future claims are better covered. (Reserving & Liability Strength)
- 92.1% of investments are long term, which matches the decades-long promises it has made. (Investment Performance)
- Holds 2.54x of the safety capital required, comfortably above the 1.5 times the regulator sets. (Solvency)
- Earns 3% a year on everything it owns, so its investments are working well. (Profitability)
- The company grew 22.8% bigger over the year. (Shareholder Returns)
RNLI weaknesses
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
- Earns only 8.6% a year on shareholders' money, below what owners would hope for. (Profitability)
- Only 61.6% is set aside to pay policyholders, which is light cover. (Reserving & Liability Strength)
- Earns only 7.3% on the money it holds, so those funds are underused. (Investment Performance)
RNLI Q3 2082/83 results
In 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.
RNLI annual results 2081/82
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.
RNLI profit and loss for 2081/82
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.
RNLI profit and loss for 2080/81
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.
RNLI profit and loss for 2079/80
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.
RNLI balance sheet for 2081/82
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.
RNLI balance sheet for 2080/81
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.
RNLI balance sheet for 2079/80
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.
RNLI cash flow for 2081/82
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.
RNLI cash flow for 2080/81
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 and dividend paid of Rs. 3.42 crore.
RNLI cash flow for 2079/80
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.
RNLI quarterly for Q3 2082/83
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.
RNLI quarterly for Q2 2082/83
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.
RNLI quarterly for Q1 2082/83
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.
RNLI quarterly for Q4 2081/82
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.
RNLI Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Net Earned Premiums | 503 | 382 | 357 | 383 |
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| Gross Earned Premiums | 540 | 421 | 380 | 404 |
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| Premiums Ceded | -36.8 | -39.4 | -22.5 | -21.5 |
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| Other Income | 190 | 145 | 96.8 | 59.2 |
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| Commission Income | 0.00 | 0.00 | 0.00 | 0.00 |
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| Other Direct Income | 1.8 | 1.4 | 0.59 | 0.56 |
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| Interest Income on Loan to Policyholders | 6.0 | 3.4 | 2.1 | 0.38 |
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| Income from Investments and Loans | 143 | 134 | 91.8 | 59.3 |
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| Net Gain/(Loss) on Fair Value Changes | 17.9 | 6.3 | -0.52 | -1.5 |
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| Net Realised Gains/(Losses) | 20.5 | 0.05 | 2.8 | 0.01 |
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| Other Income | 0.86 | 0.31 | 0.06 | 0.56 |
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| Total Income | 694 | 527 | 454 | 442 |
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| Net Benefits and Claims Paid | -481 | -362 | -301 | -274 |
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| Gross Benefits and Claims Paid | -144 | -125 | -126 | -119 |
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| Claims Ceded | 18.9 | 11.6 | 13.5 | 30.5 |
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| Gross Change in Contract Liabilities | -356 | -251 | -189 | -185 |
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| Change in Contract Liabilities Ceded to Reinsurers | 0.55 | 2.0 | -0.08 | 0.12 |
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| Other Expenses | -142 | -124 | -120 | -136 |
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| Commission Expenses | -53.6 | -48.7 | -50.8 | -58.0 |
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| Service Fees | -3.8 | -2.8 | -2.9 | -3.8 |
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| Other Direct Expenses | 0.00 | 0.00 | 0.00 | 0.00 |
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| Employee Benefits Expenses | -38.6 | -31.5 | -27.7 | -26.6 |
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| Depreciation and Amortization Expenses | -3.6 | -2.9 | -2.8 | -2.5 |
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| Impairment Losses | 0.00 | -0.39 | 0.00 | 0.00 |
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| Other Operating Expenses | -41.5 | -37.0 | -34.1 | -44.4 |
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| Finance Cost | -1.2 | -0.83 | -1.8 | -0.71 |
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| Total Expenses | -623 | -486 | -421 | -410 |
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| Profit Before Tax | 70.6 | 41.2 | 32.5 | 32.4 |
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| Net Profit for the Year | 67.0 | 39.0 | 33.0 | 33.0 |
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| Income Tax Expenses | -3.6 | -2.2 | 0.53 | 0.63 |
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RNLI Balance Sheet
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 |
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| Goodwill & Intangible Assets | 0.28 | 0.24 | 0.21 | 0.12 |
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| Property and Equipment | 22.8 | 17.1 | 13.6 | 13.4 |
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| Deferred Tax Assets | 0.00 | 0.00 | 1.5 | 1.4 |
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| Investment in Subsidiaries | 0.00 | 0.00 | 0.00 | 0.00 |
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| Investments | 1,952 | 1,641 | 1,054 | 708 |
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| Loans | 58.4 | 44.9 | 36.7 | 21.4 |
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| Reinsurance Assets | 2.6 | 2.0 | 0.04 | 0.12 |
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| Current Tax Assets | 38.6 | 34.1 | 25.6 | 19.5 |
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| Insurance Receivables | 3.9 | 0.14 | 18.7 | 24.6 |
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| Other Assets | 42.0 | 1.00 | 3.9 | 2.6 |
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| Other Financial Assets | 32.2 | 17.8 | 11.1 | 9.8 |
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| Cash and Cash Equivalent | 52.7 | 37.8 | 27.1 | 34.4 |
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| Total Liabilities | 1,430 | 1,064 | 792 | 610 |
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| Provisions | 6.3 | 5.6 | 4.8 | 3.8 |
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| Gross Insurance Contract Liabilities | 1,359 | 999 | 740 | 552 |
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| Deferred Tax Liabilities | 4.1 | 0.57 | 0.00 | 0.00 |
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| Insurance Payables | 1.9 | 7.0 | 3.8 | 2.2 |
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| Borrowings | 0.00 | 0.53 | 1.5 | 0.00 |
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| Other Liabilities | 11.6 | 9.9 | 7.7 | 9.4 |
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| Other Financial Liabilities | 47.2 | 41.4 | 34.3 | 42.8 |
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| Total Equity | 775 | 732 | 400 | 226 |
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| Share Capital | 520 | 464 | 280 | 140 |
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| Share Premium | 139 | 175 | 0.00 | 0.00 |
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| Catastrophe Reserves | 23.0 | 16.1 | 12.1 | 8.8 |
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| Retained Earnings | 89.2 | 69.5 | 101 | 72.3 |
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| Other Equity | 4.3 | 7.2 | 6.8 | 4.9 |
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RNLI Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
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| Opening Cash & Cash Equivalents | 37.8 | 27.1 | 34.4 | 36.6 |
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| Net Cash Flow from Operating Activities | 176 | 169 | 121 | 149 |
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| Gross Premium Received | 540 | 421 | 380 | 404 |
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| Commission / Reinsurance Commission Received | 1.8 | 1.4 | 0.59 | 0.56 |
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| Claim Recovery Received from Reinsurers | 18.9 | 11.6 | 13.5 | 30.5 |
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| Other Income Received | 3.4 | 0.37 | 0.06 | 0.56 |
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| Gross Benefits and Claims Paid | -143 | -123 | -126 | -119 |
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| Reinsurance Premium Paid | -36.8 | -39.4 | -22.5 | -21.5 |
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| Commission Paid | -53.6 | -48.7 | -50.8 | -58.0 |
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| Service Fees Paid | -3.8 | -2.8 | -2.9 | -3.8 |
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| Employee Benefits Expenses Paid | -38.3 | -31.5 | -27.3 | -26.0 |
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| Other Expenses Paid | -41.9 | -37.1 | -34.3 | -46.9 |
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| Net Cash Flow from Investing Activities | -158 | -450 | -269 | -151 |
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| Acquisitions of Intangible Assets | -0.06 | -0.06 | -0.11 | -0.02 |
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| Acquisitions of Property and Equipment | -9.6 | -6.0 | -3.0 | -1.8 |
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| 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 | -3.4 | 0.00 | 0.00 |
|---|
| Net Change in Cash | 14.9 | 10.7 | -7.3 | -2.2 |
|---|
| Closing Cash & Cash Equivalents | 52.7 | 37.8 | 27.1 | 34.4 |
|---|
RNLI Quarterly Results
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 |
|---|
Reliable Nepal Life Insurance share price history
Over the last 15 trading sessions RNLI closed between Rs. 406.50 and Rs. 446.50, finishing at Rs. 446.50 on 2026-09-22 against Rs. 413.10 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 445.00 | 451.00 | 435.20 | 446.50 | 29,501 |
|---|
| 2026-09-18 | 427.10 | 444.00 | 427.10 | 443.90 | 45,655 |
|---|
| 2026-09-17 | 435.00 | 438.50 | 431.00 | 433.00 | 25,977 |
|---|
| 2026-09-16 | 433.00 | 438.90 | 417.00 | 430.00 | 23,089 |
|---|
| 2026-09-15 | 451.00 | 451.00 | 430.00 | 436.30 | 75,061 |
|---|
| 2026-09-14 | 425.00 | 435.00 | 424.00 | 429.80 | 13,005 |
|---|
| 2026-09-11 | 411.60 | 429.90 | 411.60 | 429.90 | 43,851 |
|---|
| 2026-09-10 | 410.00 | 419.00 | 405.60 | 412.00 | 10,674 |
|---|
| 2026-09-09 | 414.00 | 415.00 | 410.00 | 411.00 | 9,402 |
|---|
| 2026-09-07 | 411.00 | 414.70 | 410.00 | 414.00 | 5,480 |
|---|
| 2026-09-03 | 405.00 | 411.90 | 405.00 | 410.00 | 8,261 |
|---|
| 2026-09-02 | 423.00 | 423.00 | 402.60 | 407.90 | 10,977 |
|---|
| 2026-09-01 | 428.00 | 428.00 | 402.00 | 406.50 | 9,120 |
|---|
| 2026-08-31 | 415.00 | 420.00 | 407.00 | 408.00 | 17,767 |
|---|
| 2026-08-26 | 420.50 | 420.50 | 410.00 | 413.10 | 37,459 |
|---|
RNLI share price by year
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 | 168 |
|---|
| 2025 | 416.00 | 529.46 | 225 |
|---|
| 2024 | 366.07 | 535.80 | 232 |
|---|
| 2023 | 300.18 | 465.67 | 59 |
|---|
Reliable Nepal Life Insurance share price returns
At Rs. 446.50 on 2026-09-22, RNLI is up 2.34% over 1 week, up 4.62% over 1 month, down 1.82% over 3 months, down 9.27% over 6 months and down 0.31% 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 | +2.34% | 436.30 | 2026-09-15 |
|---|
| 1 month | +4.62% | 426.80 | 2026-08-21 |
|---|
| 3 months | -1.82% | 454.80 | 2026-06-24 |
|---|
| 6 months | -9.27% | 492.10 | 2026-03-26 |
|---|
| 1 year | -0.31% | 447.89 | 2025-09-21 |
|---|
RNLI floorsheet for 2026-09-22
RNLI traded 339 times on 2026-09-22, moving 27,911 shares for Rs. 1.24 crore of turnover. Trades went through between Rs. 430.10 and Rs. 455.50.
Largest buyers by volume: broker 45, Imperial Securities Co. Limited on 14,458 shares across 122 trades, broker 94, K.B.L. Securities Limited on 3,000 shares across 6 trades, broker 34, Vision Securities Pvt.Limited on 1,120 shares across 22 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 1,022 shares across 7 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 1,003 shares across 19 trades, broker 48, Trishakti Securities Public Limited on 1,000 shares across 14 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 953 shares across 14 trades, broker 6, Agrawal Securities Pvt. Limited on 844 shares across 28 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 750 shares across 3 trades and broker 1, Kumari Securities Pvt. Limited on 600 shares across 7 trades.
Largest sellers by volume: broker 56, Sri Hari Securities Pvt.Ltd on 2,725 shares across 8 trades, broker 41, Linch Stock Market Limited on 2,319 shares across 14 trades, broker 51, Oxford Securities Pvt.Ltd on 2,040 shares across 9 trades, broker 49, Online Securities Limited on 1,703 shares across 23 trades, broker 17, ABC Securities Pvt. Limited on 1,466 shares across 12 trades, broker 21, Midas Stock Broking Company Pvt. Limited on 1,383 shares across 11 trades, broker 42, Sani Securities Company Limited on 1,271 shares across 19 trades, broker 45, Imperial Securities Co. Limited on 1,112 shares across 6 trades, broker 48, Trishakti Securities Public Limited on 1,058 shares across 7 trades and broker 39, Sumeru Securities Pvt.Limited on 1,048 shares across 8 trades.
RNLI dividend history: bonus shares and cash dividend
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.
RNLI general meetings
Annual and special general meetings Reliable Nepal Life Insurance Limited has called. A dividend is declared by the board and approved at the AGM.
- 9th AGM for 2081/2082: on 2026-01-13, at Alice Receptions, Gairidhara, Kathmandu (11:00 AM)
- 8th AGM for 2080/2081: on 2025-06-16, at Amrapali Banquet, Bhatbhateni, Kathmandu (11:00 AM)
- 7th AGM for 2079/2080: on 2024-02-12, at Lisara Banquet, Gyaneshwor, Kathmandu (11:00 AM)
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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