Sanima GIC Insurance Limited (SGIC) Share Price & Fundamentals

Sanima GIC Insurance (SGIC) share price is Rs. 385.00, down 0.77% on 2026-11-02. Open Rs. 385.00. High Rs. 388.00. Low Rs. 381.60. Volume 15,647.

Sanima GIC Insurance Limited is a NEPSE-listed company (SGIC), Non Life Insurance sector. Premium: Rs. 83.31 Crore. Net profit: Rs. 13 Crore. Net worth: Rs. 326.1 Crore.

About Sanima GIC Insurance Limited

Sanima GIC Insurance Limited is a NEPSE-listed non-life insurance company in Nepal, based in Tangal, Kathmandu, operating under NFRS as mandated by the Nepal Insurance Authority. It was formed through the merger of Sanima General Insurance and GIC Nepal Insurance.

Sanima GIC Insurance Limited (SGIC) has 2,15,00,000 shares outstanding. Its most recent declared dividend was 0.26% on face value.

SGIC key metrics

SGIC strengths

What Sanima GIC Insurance Limited's own accounts show in its favour, graded against the rest of its sector.

• Holds 5.85x of the safety capital required, comfortably above the 1.5 times the regulator sets. (Solvency)
• Has 82.3% set aside against claims already reported, so it is well prepared to pay. (Claims & Reserving)
• Earns 4.1% a year on everything it owns, so its investments are working well. (Profitability)
• Holds 234.3% against premiums for cover that has not yet run out, a healthy buffer. (Liability Strength)
• 39.9% of what it owns belongs to shareholders rather than policyholders and lenders. (Solvency)
• 50.2% of what it owns is set aside to meet the policies it has written. (Liability Strength)
• Premiums written directly with customers grew 13.5% on last year. (Premium Growth & Scale)
• The company grew 14.1% bigger over the year. (Shareholder Returns)

SGIC 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 142.6% of premiums. Above 100% means it loses money on insurance and relies on investments. (Underwriting Performance)
• Running costs take 63.8% of premiums, a heavy load on what customers pay in. (Underwriting Performance)
• 78.9% of premiums go out as claims, so there is little margin on what it sells. (Underwriting Performance)
• Earns only 5% on the money it holds, so those funds are underused. (Investment Performance)
• Keeps only 11.5% of premiums written, so most income goes to reinsurers. (Underwriting Performance)
• Passes most risk on, keeping only 30.5%, so much of the premium goes elsewhere. (Claims & Reserving)
• Sets aside only 2.3% above its best estimate, so reserves may fall short. (Liability Strength)
• Each share earned only Rs 6.05 of profit over the year. (Shareholder Returns)
• Only 43.7% of customers renew, so it loses much of the business it wins. (Claims & Reserving)
• Only 7.7% of income comes from investments, so it depends on premiums alone. (Investment Performance)
• The number of policies issued moved -4.4%, so the customer base is not growing. (Premium Growth & Scale)
• Premiums moved 9% on last year, so the business is not expanding. (Premium Growth & Scale)
• Earns only 10.3% a year on shareholders' money, below what owners would hope for. (Profitability)
• Only 9.1% of income becomes profit once costs are paid. (Profitability)

SGIC Q4 2082/83 results

In the fourth quarter of 2082/83 (Q4 2082/83) Sanima GIC Insurance Limited reported profit of Rs. 7.87 crore and net earned premiums of Rs. 29.87 crore. Profit in Q3 2082/83 was Rs. 14.73 crore. Profit fell 46.58% on the previous quarter. Net earned premiums grew 16.19% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 11.68 crore. Profit fell 32.66% on the same quarter last year. Net earned premiums grew 2.24% on the same quarter last year.

SGIC annual results 2082/83

For the financial year 2082/83 Sanima GIC Insurance Limited reported net profit of Rs. 13 crore, net earned premiums of Rs. 83.31 crore and net worth of Rs. 326.1 crore. Net profit in 2081/82 was Rs. 33.68 crore. Net profit fell 61.39% on the year. Net earned premiums grew 9.00% on the year.

SGIC profit and loss for 2082/83

In the financial year 2082/83, Sanima GIC Insurance Limited reported net earned premiums of Rs. 83.31 crore, other income of Rs. 59.73 crore, total income of Rs. 143.04 crore, net claims incurred of Rs. 65.71 crore, other expenses of Rs. 58.75 crore, total expenses of Rs. 124.46 crore, profit before tax of Rs. 18.58 crore and net profit for the year of Rs. 13 crore.

Reported under net earned premiums: gross earned premiums of Rs. 272.96 crore and premiums ceded of Rs. 189.65 crore. Reported under other income: commission income of Rs. 45.58 crore, other direct income of Rs. 1.55 crore, income from investments & loans of Rs. 11.03 crore, net gain/(loss) on fair value changes of Rs. 0 crore, net realised gains/(losses) of Rs. 1.01 crore and other income of Rs. 0.56 crore. Reported under net claims incurred: gross claims paid of Rs. 179.71 crore, claims ceded of Rs. 127.57 crore, gross change in contract liabilities of Rs. 9.52 crore and change in contract liabilities ceded to reinsurers of Rs. 23.09 crore. Reported under other expenses: commission expenses of Rs. 6.92 crore, service fees of Rs. 0.55 crore, other direct expenses of Rs. 1.68 crore, employee benefits expenses of Rs. 33.27 crore, depreciation and amortization expenses of Rs. 3.1 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 12.93 crore and finance cost of Rs. 0.3 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. 5.57 crore.

SGIC profit and loss for 2081/82

In the financial year 2081/82, Sanima GIC Insurance Limited reported net earned premiums of Rs. 76.43 crore, other income of Rs. 70.75 crore, total income of Rs. 147.18 crore, net claims incurred of Rs. 38.9 crore, other expenses of Rs. 59.95 crore, total expenses of Rs. 98.85 crore, profit before tax of Rs. 48.32 crore and net profit for the year of Rs. 33.68 crore.

Reported under net earned premiums: gross earned premiums of Rs. 253.15 crore and premiums ceded of Rs. 176.73 crore. Reported under other income: commission income of Rs. 41.02 crore, other direct income of Rs. 1.57 crore, income from investments & loans of Rs. 17.02 crore, net gain/(loss) on fair value changes of Rs. 0 crore, net realised gains/(losses) of Rs. 10.8 crore and other income of Rs. 0.35 crore. Reported under net claims incurred: gross claims paid of Rs. 116.36 crore, claims ceded of Rs. 78.52 crore, gross change in contract liabilities of Rs. 49.53 crore and change in contract liabilities ceded to reinsurers of Rs. 48.47 crore. Reported under other expenses: commission expenses of Rs. 4.49 crore, service fees of Rs. 0.59 crore, other direct expenses of Rs. 2.5 crore, employee benefits expenses of Rs. 35.54 crore, depreciation and amortization expenses of Rs. 3.52 crore, impairment losses of Rs. 0.04 crore, other operating expenses of Rs. 12.95 crore and finance cost of Rs. 0.34 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. 14.65 crore.

SGIC profit and loss for 2080/81

In the financial year 2080/81, Sanima GIC Insurance Limited reported net earned premiums of Rs. 72.25 crore, other income of Rs. 71.53 crore, total income of Rs. 143.79 crore, net claims incurred of Rs. 40.06 crore, other expenses of Rs. 59.62 crore, total expenses of Rs. 99.67 crore, profit before tax of Rs. 44.11 crore and net profit for the year of Rs. 31.82 crore.

Reported under net earned premiums: gross earned premiums of Rs. 251.22 crore and premiums ceded of Rs. 178.97 crore. Reported under other income: commission income of Rs. 41.98 crore, other direct income of Rs. 1.88 crore, income from investments & loans of Rs. 25.84 crore, net gain/(loss) on fair value changes of Rs. 0 crore, net realised gains/(losses) of Rs. 1.35 crore and other income of Rs. 0.49 crore. Reported under net claims incurred: gross claims paid of Rs. 90.59 crore, claims ceded of Rs. 54.3 crore, gross change in contract liabilities of Rs. 14.49 crore and change in contract liabilities ceded to reinsurers of Rs. 10.73 crore. Reported under other expenses: commission expenses of Rs. 3.73 crore, service fees of Rs. 0.54 crore, other direct expenses of Rs. 2.76 crore, employee benefits expenses of Rs. 34.43 crore, depreciation and amortization expenses of Rs. 3.54 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 14.25 crore and finance cost of Rs. 0.37 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. 12.3 crore.

SGIC balance sheet for 2081/82

In the financial year 2081/82, Sanima GIC Insurance Limited reported total assets of Rs. 818.13 crore, total liabilities of Rs. 492.03 crore and total equity of Rs. 326.1 crore.

Reported under total assets: goodwill & intangible assets of Rs. 4.24 crore, property and equipment of Rs. 12 crore, investment properties of Rs. 0 crore, deferred tax assets of Rs. 14.87 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investments of Rs. 340.55 crore, loans of Rs. 2.1 crore, reinsurance assets of Rs. 327.3 crore, current tax assets of Rs. 3.54 crore, insurance receivables of Rs. 29.52 crore, other assets of Rs. 40.02 crore, other financial assets of Rs. 13.86 crore and cash and cash equivalent of Rs. 30.11 crore. Reported under total liabilities: provisions of Rs. 9.54 crore, gross insurance contract liabilities of Rs. 410.47 crore, deferred tax liabilities of Rs. 0 crore, insurance payables of Rs. 32.55 crore, current tax liabilities of Rs. 0 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 34.68 crore and other financial liabilities of Rs. 4.8 crore. Reported under total equity: share capital of Rs. 215 crore, share application money pending allotment of Rs. 0 crore, share premium of Rs. 0 crore, special reserves of Rs. 74.96 crore, catastrophe reserves of Rs. 4.59 crore, retained earnings of Rs. 17.27 crore and other equity of Rs. 14.27 crore.

SGIC balance sheet for 2080/81

In the financial year 2080/81, Sanima GIC Insurance Limited reported total assets of Rs. 717.34 crore, total liabilities of Rs. 420.43 crore and total equity of Rs. 296.91 crore.

Reported under total assets: goodwill & intangible assets of Rs. 4.18 crore, property and equipment of Rs. 14.23 crore, investment properties of Rs. 0 crore, deferred tax assets of Rs. 12.78 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investments of Rs. 333.7 crore, loans of Rs. 1.4 crore, reinsurance assets of Rs. 250.28 crore, current tax assets of Rs. 3.4 crore, insurance receivables of Rs. 31.58 crore, other assets of Rs. 12.56 crore, other financial assets of Rs. 12.48 crore and cash and cash equivalent of Rs. 40.73 crore. Reported under total liabilities: provisions of Rs. 8.7 crore, gross insurance contract liabilities of Rs. 330.74 crore, deferred tax liabilities of Rs. 0 crore, insurance payables of Rs. 42.42 crore, current tax liabilities of Rs. 0 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 34.17 crore and other financial liabilities of Rs. 4.41 crore. Reported under total equity: share capital of Rs. 200 crore, share application money pending allotment of Rs. 0 crore, share premium of Rs. 0 crore, special reserves of Rs. 58.46 crore, catastrophe reserves of Rs. 3.77 crore, retained earnings of Rs. 18.16 crore and other equity of Rs. 16.52 crore.

SGIC balance sheet for 2079/80

In the financial year 2079/80, Sanima GIC Insurance Limited reported total assets of Rs. 634.58 crore, total liabilities of Rs. 369.33 crore and total equity of Rs. 265.25 crore.

Reported under total assets: goodwill & intangible assets of Rs. 4.26 crore, property and equipment of Rs. 8.98 crore, investment properties of Rs. 0 crore, deferred tax assets of Rs. 10.62 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investments of Rs. 293.41 crore, loans of Rs. 1.07 crore, reinsurance assets of Rs. 225.93 crore, current tax assets of Rs. 5.08 crore, insurance receivables of Rs. 34.88 crore, other assets of Rs. 10.48 crore, other financial assets of Rs. 9.58 crore and cash and cash equivalent of Rs. 30.27 crore. Reported under total liabilities: provisions of Rs. 8.25 crore, gross insurance contract liabilities of Rs. 302.79 crore, deferred tax liabilities of Rs. 0 crore, insurance payables of Rs. 30.67 crore, current tax liabilities of Rs. 0 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 23.5 crore and other financial liabilities of Rs. 4.12 crore. Reported under total equity: share capital of Rs. 200 crore, share application money pending allotment of Rs. 0 crore, share premium of Rs. 0 crore, special reserves of Rs. 43.71 crore, catastrophe reserves of Rs. 3.03 crore, retained earnings of Rs. 8.89 crore and other equity of Rs. 9.61 crore.

SGIC cash flow for 2081/82

In the financial year 2081/82, Sanima GIC Insurance Limited reported opening cash & cash equivalents of Rs. 40.73 crore, net cash flow from operating activities of Rs. 12.45 crore, net cash flow from investing activities of Rs. 1.79 crore, net cash flow from financing activities of Rs. 0.12 crore, net change in cash of Rs. 10.79 crore and closing cash & cash equivalents of Rs. 30.11 crore.

Reported under net cash flow from operating activities: gross premium received of Rs. 277.89 crore, reinsurance commission received of Rs. 42.5 crore, claim recovery received from reinsurers of Rs. 80.58 crore, other direct income received of Rs. 1.57 crore, other income received of Rs. 0.06 crore, gross benefits and claims paid of Rs. 141.84 crore, reinsurance premium paid of Rs. 207.6 crore, commission paid of Rs. 5.51 crore, service fees paid of Rs. 3.43 crore, employee benefits expenses paid of Rs. 29.68 crore, other expenses paid of Rs. 9.24 crore, other direct expenses paid of Rs. 2.5 crore, changes in working capital of Rs. 0 crore and income tax paid of Rs. 15.26 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0 crore, acquisitions of property & equipment of Rs. 1.17 crore, purchase of equity instruments of Rs. 27.41 crore, proceeds from sale of equity instruments of Rs. 0 crore, purchase of debentures of Rs. 0 crore, investments in deposits of Rs. 14.08 crore, maturity of deposits of Rs. 0 crore, rental income received of Rs. 0 crore, interest income received of Rs. 16.97 crore and dividend received of Rs. 0.03 crore. Reported under net cash flow from financing activities: payment of finance lease of Rs. 0 crore, proceeds from issue of share capital of Rs. 0 crore, dividend paid of Rs. 0 crore and proceeds from share application money pending allotment of Rs. 0 crore.

SGIC cash flow for 2080/81

In the financial year 2080/81, Sanima GIC Insurance Limited reported opening cash & cash equivalents of Rs. 30.27 crore, net cash flow from operating activities of Rs. 26.37 crore, net cash flow from investing activities of Rs. 16.09 crore, net cash flow from financing activities of Rs. 0.05 crore, net change in cash of Rs. 10.22 crore and closing cash & cash equivalents of Rs. 40.73 crore.

Reported under net cash flow from operating activities: gross premium received of Rs. 266.28 crore, reinsurance commission received of Rs. 45.8 crore, claim recovery received from reinsurers of Rs. 57.59 crore, other direct income received of Rs. 1.88 crore, other income received of Rs. 0.19 crore, gross benefits and claims paid of Rs. 92.73 crore, reinsurance premium paid of Rs. 179.4 crore, commission paid of Rs. 3.86 crore, service fees paid of Rs. 1.93 crore, employee benefits expenses paid of Rs. 30.45 crore, other expenses paid of Rs. 17.27 crore, other direct expenses paid of Rs. 2.76 crore, changes in working capital of Rs. 0 crore and income tax paid of Rs. 16.61 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.02 crore, acquisitions of property & equipment of Rs. 1.92 crore, purchase of equity instruments of Rs. 4.72 crore, proceeds from sale of equity instruments of Rs. 0 crore, purchase of debentures of Rs. 0.25 crore, investments in deposits of Rs. 35.33 crore, maturity of deposits of Rs. 0 crore, rental income received of Rs. 0 crore, interest income received of Rs. 25.94 crore and dividend received of Rs. 0.04 crore. Reported under net cash flow from financing activities: payment of finance lease of Rs. 0 crore, proceeds from issue of share capital of Rs. 0 crore, dividend paid of Rs. 0 crore and proceeds from share application money pending allotment of Rs. 0 crore.

SGIC cash flow for 2079/80

In the financial year 2079/80, Sanima GIC Insurance Limited reported opening cash & cash equivalents of Rs. 12.1 crore, net cash flow from operating activities of Rs. 5.12 crore, net cash flow from investing activities of Rs. 13.22 crore, net cash flow from financing activities of Rs. 0.12 crore, net change in cash of Rs. 18.23 crore and closing cash & cash equivalents of Rs. 30.27 crore.

Reported under net cash flow from operating activities: gross premium received of Rs. 208.21 crore, reinsurance commission received of Rs. 37.86 crore, claim recovery received from reinsurers of Rs. 48.99 crore, other direct income received of Rs. 1.03 crore, other income received of Rs. 2.3 crore, gross benefits and claims paid of Rs. 93.56 crore, reinsurance premium paid of Rs. 151.16 crore, commission paid of Rs. 3.12 crore, service fees paid of Rs. 1.57 crore, employee benefits expenses paid of Rs. 23.4 crore, other expenses paid of Rs. 8.68 crore, other direct expenses paid of Rs. 1.2 crore, changes in working capital of Rs. 0 crore and income tax paid of Rs. 10.59 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.08 crore, acquisitions of property & equipment of Rs. 1.68 crore, purchase of equity instruments of Rs. 0.72 crore, proceeds from sale of equity instruments of Rs. 0 crore, purchase of debentures of Rs. 0 crore, investments in deposits of Rs. 8.22 crore, maturity of deposits of Rs. 0 crore, rental income received of Rs. 0 crore, interest income received of Rs. 24.71 crore and dividend received of Rs. 0.02 crore. Reported under net cash flow from financing activities: payment of finance lease of Rs. 0 crore, proceeds from issue of share capital of Rs. 0 crore, dividend paid of Rs. 0 crore and proceeds from share application money pending allotment of Rs. 0 crore.

SGIC quarterly for Q4 2082/83

In the quarter Q4 2082/83, Sanima GIC Insurance Limited reported net earned premiums of Rs. 29.87 crore, other income of Rs. 23.06 crore, total income of Rs. 52.94 crore, net claims incurred of Rs. 22.86 crore, other expenses of Rs. 18.84 crore, total expenses of Rs. 41.7 crore, profit before tax of Rs. 11.24 crore and net profit for the year of Rs. 7.87 crore.

Reported under net earned premiums: gross earned premiums of Rs. 75.73 crore and premiums ceded of Rs. 45.85 crore. Reported under other income: commission income of Rs. 17.83 crore, other direct income of Rs. 0.39 crore, income from investments & loans of Rs. 3.1 crore, net gain/(loss) on fair value changes of Rs. 0 crore, net realised gains/(losses) of Rs. 1.36 crore and other income of Rs. 0.37 crore. Reported under net claims incurred: gross claims paid of Rs. 54.42 crore, claims ceded of Rs. 36.54 crore, gross change in contract liabilities of Rs. 35.97 crore and change in contract liabilities ceded to reinsurers of Rs. 40.95 crore. Reported under other expenses: commission expenses of Rs. 2.56 crore, service fees of Rs. 0.19 crore, other direct expenses of Rs. 0.54 crore, employee benefits expenses of Rs. 10.52 crore, depreciation and amortization expenses of Rs. 0.75 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 4.2 crore and finance cost of Rs. 0.08 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. 3.37 crore.

SGIC quarterly for Q3 2082/83

In the quarter Q3 2082/83, Sanima GIC Insurance Limited reported net earned premiums of Rs. 25.71 crore, other income of Rs. 14.87 crore, total income of Rs. 40.58 crore, net claims incurred of Rs. 9.37 crore, other expenses of Rs. 14.28 crore, total expenses of Rs. 23.65 crore, profit before tax of Rs. 16.93 crore and net profit for the year of Rs. 14.73 crore.

Reported under net earned premiums: gross earned premiums of Rs. 89.32 crore and premiums ceded of Rs. 63.61 crore. Reported under other income: commission income of Rs. 11.37 crore, other direct income of Rs. 0.4 crore, income from investments & loans of Rs. 2.38 crore, net gain/(loss) on fair value changes of Rs. 0 crore, net realised gains/(losses) of Rs. 0.65 crore and other income of Rs. 0.07 crore. Reported under net claims incurred: gross claims paid of Rs. 48.54 crore, claims ceded of Rs. 34.54 crore, gross change in contract liabilities of Rs. 54.6 crore and change in contract liabilities ceded to reinsurers of Rs. 49.97 crore. Reported under other expenses: commission expenses of Rs. 1.83 crore, service fees of Rs. 0.12 crore, other direct expenses of Rs. 0.41 crore, employee benefits expenses of Rs. 7.36 crore, depreciation and amortization expenses of Rs. 1.51 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 2.89 crore and finance cost of Rs. 0.15 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. 2.2 crore.

SGIC quarterly for Q2 2082/83

In the quarter Q2 2082/83, Sanima GIC Insurance Limited reported net earned premiums of Rs. 16.52 crore, other income of Rs. 11.26 crore, total income of Rs. 27.78 crore, net claims incurred of Rs. 5.73 crore, other expenses of Rs. 11.62 crore, total expenses of Rs. 17.35 crore, profit before tax of Rs. 10.43 crore and net profit for the year of Rs. 10.43 crore.

Reported under net earned premiums: gross earned premiums of Rs. 63.29 crore and premiums ceded of Rs. 46.76 crore. Reported under other income: commission income of Rs. 9.41 crore, other direct income of Rs. 0.48 crore, income from investments & loans of Rs. 2.64 crore, net gain/(loss) on fair value changes of Rs. 0 crore, net realised gains/(losses) of Rs. 1.35 crore and other income of Rs. 0.07 crore. Reported under net claims incurred: gross claims paid of Rs. 42.99 crore, claims ceded of Rs. 31.99 crore, gross change in contract liabilities of Rs. 23.12 crore and change in contract liabilities ceded to reinsurers of Rs. 17.85 crore. Reported under other expenses: commission expenses of Rs. 1.51 crore, service fees of Rs. 0.12 crore, other direct expenses of Rs. 0.47 crore, employee benefits expenses of Rs. 6.41 crore, depreciation and amortization expenses of Rs. 0 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 3.12 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.

SGIC quarterly for Q1 2082/83

In the quarter Q1 2082/83, Sanima GIC Insurance Limited reported net earned premiums of Rs. 11.2 crore, other income of Rs. 10.54 crore, total income of Rs. 21.74 crore, net claims incurred of Rs. 27.74 crore, other expenses of Rs. 14.01 crore, total expenses of Rs. 41.76 crore, profit before tax of Rs. 20.02 crore and net profit for the year of Rs. 20.02 crore.

Reported under net earned premiums: gross earned premiums of Rs. 44.62 crore and premiums ceded of Rs. 33.42 crore. Reported under other income: commission income of Rs. 6.96 crore, other direct income of Rs. 0.27 crore, income from investments & loans of Rs. 2.91 crore, net gain/(loss) on fair value changes of Rs. 0 crore, net realised gains/(losses) of Rs. 0.35 crore and other income of Rs. 0.05 crore. Reported under net claims incurred: gross claims paid of Rs. 33.76 crore, claims ceded of Rs. 24.49 crore, gross change in contract liabilities of Rs. 104.16 crore and change in contract liabilities ceded to reinsurers of Rs. 85.69 crore. Reported under other expenses: commission expenses of Rs. 1.01 crore, service fees of Rs. 0.13 crore, other direct expenses of Rs. 0.26 crore, employee benefits expenses of Rs. 8.98 crore, depreciation and amortization expenses of Rs. 0.83 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 2.72 crore and finance cost of Rs. 0.08 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.

SGIC Profit & Loss

Values in Rs. Crore unless stated otherwise.

SGIC Balance Sheet

Values in Rs. Crore unless stated otherwise.

SGIC Cash Flow

Values in Rs. Crore unless stated otherwise.

SGIC Quarterly Results

Figures from Sanima GIC Insurance Limited's quarterly reports, most recent quarter first.

Values in Rs. Crore unless stated otherwise.

Sanima GIC Insurance share price history

Over the last 15 trading sessions SGIC closed between Rs. 377.00 and Rs. 390.00, finishing at Rs. 385.00 on 2026-11-02 against Rs. 380.50 on 2026-10-05.

SGIC share price by year

2026, between Rs. 366.60 and Rs. 523.00, 2025, between Rs. 418.10 and Rs. 652.40, 2024, between Rs. 432.34 and Rs. 723.90 and 2023, between Rs. 332.05 and Rs. 629.81.

Sanima GIC Insurance share price returns

At Rs. 385.00 on 2026-11-02, SGIC is up 0.26% over 1 week, up 0.79% over 1 month, down 16.30% over 3 months, down 15.20% over 6 months and down 17.15% over 1 year. Each return compares that close with the last close on or before the same date in the earlier period.

SGIC floorsheet for 2026-11-02

SGIC traded 107 times on 2026-11-02, moving 15,647 shares for Rs. 0.6 crore of turnover. Trades went through between Rs. 381.60 and Rs. 388.00.

Largest buyers by volume: broker 34, Vision Securities Pvt.Limited on 6,940 shares across 13 trades, broker 17, ABC Securities Pvt. Limited on 2,339 shares across 18 trades, broker 1, Kumari Securities Pvt. Limited on 1,510 shares across 7 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 822 shares across 5 trades, broker 14, Nepal Stock House Pvt. Limited on 591 shares across 2 trades, broker 22, Siprabi Securities Pvt. Limited on 505 shares across 4 trades, broker 26, Asian Securities Pvt. Limited on 500 shares across 8 trades, broker 42, Sani Securities Company Limited on 435 shares across 5 trades, broker 43, South Asian Bulls Pvt.Limited on 400 shares across 5 trades and broker 58, Naasa Securities Co. Ltd. on 315 shares across 2 trades.

Largest sellers by volume: broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 8,936 shares across 18 trades, broker 45, Imperial Securities Co. Limited on 1,109 shares across 11 trades, broker 54, Sewa Securities Pvt. Ltd. on 1,015 shares across 3 trades, broker 33, Dakshinkali Investment Securities Pvt.Limited on 825 shares across 2 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 600 shares across 3 trades, broker 58, Naasa Securities Co. Ltd. on 409 shares across 13 trades, broker 51, Oxford Securities Pvt.Ltd on 400 shares across 2 trades, broker 81, Aakashbhairab Securities Ltd. on 332 shares across 2 trades, broker 47, Neev Securities Pvt.Ltd on 310 shares across 5 trades and broker 11, Malla & Malla Stock Broking Company Pvt. Limited on 272 shares across 3 trades.

SGIC dividend history: bonus shares and cash dividend

Sanima GIC Insurance Limited most recently declared a 5% bonus share issue for 2081/2082, announced on 2026-04-23. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2081/2082 Sanima GIC Insurance Limited declared a 5% bonus share issue, announced on 2026-04-23.

For 2080/2081 Sanima GIC Insurance Limited declared a 7.5% bonus share issue, announced on 2025-03-10.

SGIC right share issues

Right issues Sanima GIC Insurance Limited has announced. A right share is offered to existing shareholders in proportion to what they already hold.

• : ratio 25%

SGIC general meetings

Annual and special general meetings Sanima GIC Insurance Limited has called. A dividend is declared by the board and approved at the AGM.

• 8th AGM for 2081/2082: on 2026-05-20, at Nepal Police Club, Pradarshani Marg, Kathmandu (11:00 AM)
• 7th AGM for 2080/2081: on 2025-04-03, at Amritbhog, Kalikasthan, Kathmandu (11:00 AM)
• 6th AGM for 2079/2080: on 2024-04-11, at Amritbhog, Kalikasthan, Kathmandu (11:00 AM)

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

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

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