SuryaJyoti Life Insurance Company Limited (SJLIC) Share Price & Fundamentals
SuryaJyoti Life Insurance (SJLIC) share price is Rs. 422.90, up 0.50% on 2026-09-22. Open Rs. 417.30. High Rs. 429.90. Low Rs. 417.30. Volume 14,681.
SuryaJyoti Life Insurance Company Limited is a NEPSE-listed company (SJLIC), Life Insurance sector. Premium: Rs. 1,294.46 Crore. Net profit: Rs. 38.02 Crore. Net worth: Rs. 667.41 Crore.
About SuryaJyoti Life Insurance Company Limited
SuryaJyoti Life Insurance Company Limited (SJLIC) has 5,01,19,478 shares outstanding. Its most recent declared dividend was 13.00% on face value.
SJLIC key metrics
SJLIC strengths
What SuryaJyoti Life Insurance Company Limited's own accounts show in its favour, graded against the rest of its sector.
- 170.1% of premiums come from customers renewing, which is steady, repeat income. (Premium Growth & Book Quality)
- Premiums collected grew 16.3% on last year, so the insurer is writing more business. (Premium Growth & Book Quality)
- The fund set aside for policyholders grew 21.9%, so future claims are better covered. (Reserving & Liability Strength)
- 91.1% of investments are long term, which matches the decades-long promises it has made. (Investment Performance)
- Keeps 98.3% of the risk it takes on rather than passing it to another insurer. (Claims & Underwriting)
- 83.9% of what it owns is set aside to pay policyholders, a strong backing. (Reserving & Liability Strength)
- New policies sold grew 18.8% on last year, so the sales side is working. (Premium Growth & Book Quality)
- Earns 8.3% on the money it holds for policyholders, so the funds are well invested. (Investment Performance)
- The company grew 19.4% bigger over the year. (Shareholder Returns)
- 13.2% of what it owns belongs to shareholders rather than policyholders and lenders. (Solvency)
- Agent commissions take only 8.8% of premiums, so selling costs are controlled. (Expense Efficiency)
- The average policy is worth Rs 19742.32, so it is winning larger customers. (Premium Growth & Book Quality)
SJLIC weaknesses
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
- 105.4% of premiums go out as claims, which leaves little margin on the policies sold. (Claims & Underwriting)
- Only 2.2% of income becomes profit once costs are paid. (Profitability)
- Holds 1.65x of the required safety capital, close to the 1.5 times the regulator sets. (Solvency)
- Each share earned only Rs 7.59 of profit over the year. (Shareholder Returns)
- The number of live policies moved -2%, so the customer base is not growing. (Premium Growth & Book Quality)
- Earns only 10.9% a year on shareholders' money, below what owners would hope for. (Profitability)
- Running costs take 20.9% of premiums, a heavy load on what customers pay in. (Expense Efficiency)
- Earns only 1.4% a year on everything it owns, so its money is not working hard. (Profitability)
- Only 20.9% of income comes from investments, so it depends on premiums alone. (Investment Performance)
SJLIC Q4 2082/83 results
In Q4 2082/83 SuryaJyoti Life Insurance Company Limited reported profit of Rs. 4.99 crore and net earned premiums of Rs. 433.06 crore. Profit in Q3 2082/83 was Rs. 12.85 crore. Profit fell 61.17% on the previous quarter. Net earned premiums grew 49.13% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 5.45 crore. Profit fell 8.53% on the same quarter last year. Net earned premiums grew 17.91% on the same quarter last year.
SJLIC annual results 2082/83
For the financial year 2082/83 SuryaJyoti Life Insurance Company Limited reported net profit of Rs. 38.02 crore, net earned premiums of Rs. 1,294.46 crore and net worth of Rs. 667.41 crore. Net profit in 2081/82 was Rs. 72.77 crore. Net profit fell 47.75% on the year. Net earned premiums grew 16.34% on the year.
SJLIC profit and loss for 2082/83
In the financial year 2082/83, SuryaJyoti Life Insurance Company Limited reported net earned premiums of Rs. 1,294.46 crore, other income of Rs. 415.44 crore, total income of Rs. 1,709.91 crore, net benefits and claims paid of Rs. 1,364.88 crore, other expenses of Rs. 283.91 crore, total expenses of Rs. 1,648.79 crore, profit before tax of Rs. 61.12 crore and net profit for the year of Rs. 38.02 crore.
Reported under net earned premiums: gross earned premiums of Rs. 1,316.48 crore and premiums ceded of Rs. 22.01 crore. Reported under other income: other direct income of Rs. 8.67 crore, interest income on loan to policyholders of Rs. 48.93 crore, income from investments and loans of Rs. 356.61 crore and other income of Rs. 1.23 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 365.43 crore, claims ceded of Rs. 15.53 crore, gross change in contract liabilities of Rs. 1,014.75 crore and change in contract liabilities ceded to reinsurers of Rs. 0.23 crore. Reported under other expenses: commission expenses of Rs. 113.89 crore, service fees of Rs. 9.71 crore, employee benefits expenses of Rs. 68.56 crore, depreciation and amortization expenses of Rs. 3.13 crore, other operating expenses of Rs. 87.96 crore and finance cost of Rs. 0.66 crore. Reported under net profit for the year: income tax expenses of Rs. 23.1 crore.
SJLIC profit and loss for 2081/82
In the financial year 2081/82, SuryaJyoti Life Insurance Company Limited reported net earned premiums of Rs. 1,112.62 crore, other income of Rs. 396.74 crore, total income of Rs. 1,509.36 crore, net benefits and claims paid of Rs. 1,128.64 crore, other expenses of Rs. 270.24 crore, total expenses of Rs. 1,398.88 crore, profit before tax of Rs. 110.47 crore and net profit for the year of Rs. 72.77 crore.
Reported under net earned premiums: gross earned premiums of Rs. 1,135.51 crore and premiums ceded of Rs. 22.89 crore. Reported under other income: other direct income of Rs. 8.56 crore, interest income on loan to policyholders of Rs. 41.61 crore, income from investments and loans of Rs. 346.31 crore, net realised gains/(losses) of Rs. 0 crore and other income of Rs. 0.25 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 376 crore, claims ceded of Rs. 20.59 crore, gross change in contract liabilities of Rs. 777.5 crore and change in contract liabilities ceded to reinsurers of Rs. 4.27 crore. Reported under other expenses: commission expenses of Rs. 102.29 crore, service fees of Rs. 8.34 crore, employee benefits expenses of Rs. 75.76 crore, depreciation and amortization expenses of Rs. 7.87 crore, impairment losses of Rs. 0.55 crore, other operating expenses of Rs. 72.62 crore and finance cost of Rs. 3.91 crore. Reported under net profit for the year: income tax expenses of Rs. 37.7 crore.
SJLIC profit and loss for 2080/81
In the financial year 2080/81, SuryaJyoti Life Insurance Company Limited reported net earned premiums of Rs. 920.12 crore, other income of Rs. 360.3 crore, total income of Rs. 1,280.42 crore, net benefits and claims paid of Rs. 923.35 crore, other expenses of Rs. 237.63 crore, total expenses of Rs. 1,160.98 crore, profit before tax of Rs. 119.44 crore and net profit for the year of Rs. 85.18 crore.
Reported under net earned premiums: gross earned premiums of Rs. 949.95 crore and premiums ceded of Rs. 29.82 crore. Reported under other income: other direct income of Rs. 7.36 crore, interest income on loan to policyholders of Rs. 36.99 crore, income from investments and loans of Rs. 315.92 crore, net realised gains/(losses) of Rs. 0 crore and other income of Rs. 0.03 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 326.58 crore, claims ceded of Rs. 37.35 crore, gross change in contract liabilities of Rs. 632.44 crore and change in contract liabilities ceded to reinsurers of Rs. 1.69 crore. Reported under other expenses: commission expenses of Rs. 87.03 crore, service fees of Rs. 6.9 crore, employee benefits expenses of Rs. 72.5 crore, depreciation and amortization expenses of Rs. 7.49 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 58.54 crore and finance cost of Rs. 5.17 crore. Reported under net profit for the year: income tax expenses of Rs. 34.26 crore.
SJLIC balance sheet for 2081/82
In the financial year 2081/82, SuryaJyoti Life Insurance Company Limited reported total assets of Rs. 5,042.67 crore, total liabilities of Rs. 4,375.26 crore and total equity of Rs. 667.41 crore.
Reported under total assets: goodwill & intangible assets of Rs. 6.61 crore, property and equipment of Rs. 31.45 crore, deferred tax assets of Rs. 20.86 crore, investments of Rs. 4,166.24 crore, loans of Rs. 485.96 crore, reinsurance assets of Rs. 6.41 crore, current tax assets of Rs. 102.51 crore, insurance receivables of Rs. 22.3 crore, other assets of Rs. 11.87 crore, other financial assets of Rs. 106.5 crore and cash and cash equivalent of Rs. 81.96 crore. Reported under total liabilities: provisions of Rs. 11.22 crore, gross insurance contract liabilities of Rs. 4,160.51 crore, insurance payables of Rs. 2.55 crore, borrowings of Rs. 35 crore, other liabilities of Rs. 92.14 crore and other financial liabilities of Rs. 73.84 crore. Reported under total equity: share capital of Rs. 501.19 crore, catastrophe reserves of Rs. 42 crore, retained earnings of Rs. 92.37 crore and other equity of Rs. 31.85 crore.
SJLIC balance sheet for 2080/81
In the financial year 2080/81, SuryaJyoti Life Insurance Company Limited reported total assets of Rs. 4,222.26 crore, total liabilities of Rs. 3,521.41 crore and total equity of Rs. 700.85 crore.
Reported under total assets: goodwill & intangible assets of Rs. 6.54 crore, property and equipment of Rs. 30.92 crore, deferred tax assets of Rs. 39.46 crore, investments of Rs. 3,496 crore, loans of Rs. 417.89 crore, reinsurance assets of Rs. 2.14 crore, current tax assets of Rs. 102.77 crore, insurance receivables of Rs. 16.06 crore, other assets of Rs. 14.53 crore, other financial assets of Rs. 24.21 crore and cash and cash equivalent of Rs. 71.74 crore. Reported under total liabilities: provisions of Rs. 1.41 crore, gross insurance contract liabilities of Rs. 3,371.21 crore, insurance payables of Rs. 8.51 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 76.93 crore and other financial liabilities of Rs. 63.34 crore. Reported under total equity: share capital of Rs. 501.19 crore, catastrophe reserves of Rs. 37.71 crore, retained earnings of Rs. 115.06 crore and other equity of Rs. 46.89 crore.
SJLIC balance sheet for 2079/80
In the financial year 2079/80, SuryaJyoti Life Insurance Company Limited reported total assets of Rs. 1,207.56 crore, total liabilities of Rs. 858.32 crore and total equity of Rs. 349.24 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.53 crore, property and equipment of Rs. 22.96 crore, deferred tax assets of Rs. 49.25 crore, investments of Rs. 977.36 crore, loans of Rs. 102.73 crore, reinsurance assets of Rs. 2.89 crore, current tax assets of Rs. 26.3 crore, insurance receivables of Rs. 0 crore, other assets of Rs. 2.43 crore, other financial assets of Rs. 21.7 crore and cash and cash equivalent of Rs. 1.41 crore. Reported under total liabilities: provisions of Rs. 0.81 crore, gross insurance contract liabilities of Rs. 787.77 crore, insurance payables of Rs. 5.02 crore, borrowings of Rs. 20 crore, other liabilities of Rs. 23.29 crore and other financial liabilities of Rs. 21.43 crore. Reported under total equity: share capital of Rs. 242 crore, catastrophe reserves of Rs. 13.38 crore, retained earnings of Rs. 45.51 crore and other equity of Rs. 48.35 crore.
SJLIC cash flow for 2081/82
In the financial year 2081/82, SuryaJyoti Life Insurance Company Limited reported opening cash & cash equivalents of Rs. 71.74 crore, net cash flow from operating activities of Rs. 460.43 crore, net cash flow from investing activities of Rs. 384.57 crore, net cash flow from financing activities of Rs. 65.64 crore, net change in cash of Rs. 10.22 crore and closing cash & cash equivalents of Rs. 81.96 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 1,135.51 crore, claim recovery received from reinsurers of Rs. 14.35 crore, other direct income received of Rs. 8.56 crore, other income received of Rs. 0.25 crore, gross benefits and claims paid of Rs. 376 crore, reinsurance premium paid of Rs. 28.85 crore, commission paid of Rs. 92.49 crore, service fees paid of Rs. 12.67 crore, employee benefits expenses paid of Rs. 77.64 crore, other expenses paid of Rs. 74.25 crore and income tax paid of Rs. 0.26 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.12 crore, acquisitions of property and equipment of Rs. 3.4 crore, purchase of equity instruments of Rs. 187.48 crore, proceeds from sale of equity instruments of Rs. 0 crore, purchase of mutual funds of Rs. 13.8 crore, purchase of debentures of Rs. 4.07 crore, investments in deposits of Rs. 443.64 crore, interest income received of Rs. 343.16 crore, dividend received of Rs. 2.3 crore and loans against insurance policies of Rs. 67.51 crore. Reported under net cash flow from financing activities: interest paid of Rs. 0.28 crore, proceeds from borrowings of Rs. 123 crore, repayment of borrowings of Rs. 88 crore and dividend paid of Rs. 100.24 crore.
SJLIC cash flow for 2080/81
In the financial year 2080/81, SuryaJyoti Life Insurance Company Limited reported opening cash & cash equivalents of Rs. 73.61 crore, net cash flow from operating activities of Rs. 437.53 crore, net cash flow from investing activities of Rs. 318.01 crore, net cash flow from financing activities of Rs. 121.4 crore, net change in cash of Rs. 1.87 crore and closing cash & cash equivalents of Rs. 71.74 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 949.95 crore, claim recovery received from reinsurers of Rs. 35.39 crore, other direct income received of Rs. 7.36 crore, other income received of Rs. 0.03 crore, gross benefits and claims paid of Rs. 326.58 crore, reinsurance premium paid of Rs. 32.89 crore, commission paid of Rs. 88.27 crore, service fees paid of Rs. 7 crore, employee benefits expenses paid of Rs. 66.57 crore, other expenses paid of Rs. 63.01 crore and income tax paid of Rs. 4.12 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.05 crore, acquisitions of property and equipment of Rs. 1.63 crore, purchase of equity instruments of Rs. 77.99 crore, proceeds from sale of equity instruments of Rs. 0 crore, purchase of mutual funds of Rs. 5.97 crore, purchase of debentures of Rs. 116.15 crore, investments in deposits of Rs. 392.61 crore, interest income received of Rs. 316.21 crore, dividend received of Rs. 1.2 crore and loans against insurance policies of Rs. 31.02 crore. Reported under net cash flow from financing activities: interest paid of Rs. 2.15 crore, proceeds from borrowings of Rs. 0 crore, repayment of borrowings of Rs. 6.4 crore and dividend paid of Rs. 112.46 crore.
SJLIC cash flow for 2079/80
In the financial year 2079/80, SuryaJyoti Life Insurance Company Limited reported opening cash & cash equivalents of Rs. 12.3 crore, net cash flow from operating activities of Rs. 54.05 crore, net cash flow from investing activities of Rs. 64.35 crore, net cash flow from financing activities of Rs. 0.58 crore, net change in cash of Rs. 10.89 crore and closing cash & cash equivalents of Rs. 1.41 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 147.11 crore, claim recovery received from reinsurers of Rs. 3.17 crore, other direct income received of Rs. 0.41 crore, other income received of Rs. 0 crore, gross benefits and claims paid of Rs. 16.82 crore, reinsurance premium paid of Rs. 30.27 crore, commission paid of Rs. 27.4 crore, service fees paid of Rs. 1.82 crore, employee benefits expenses paid of Rs. 15.3 crore, other expenses paid of Rs. 1.06 crore and income tax paid of Rs. 3.05 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.03 crore, acquisitions of property and equipment of Rs. 0.11 crore, purchase of equity instruments of Rs. 1.76 crore, purchase of mutual funds of Rs. 0.5 crore, purchase of debentures of Rs. 2.5 crore, investments in deposits of Rs. 78.94 crore, interest income received of Rs. 33.51 crore, dividend received of Rs. 0.43 crore and loans against insurance policies of Rs. 14.56 crore. Reported under net cash flow from financing activities: interest paid of Rs. 1.17 crore, proceeds from borrowings of Rs. 21 crore and repayment of borrowings of Rs. 20.4 crore.
SJLIC quarterly for Q4 2082/83
In the quarter Q4 2082/83, SuryaJyoti Life Insurance Company Limited reported net earned premiums of Rs. 433.06 crore, other income of Rs. 117.14 crore, total income of Rs. 550.2 crore, net benefits and claims paid of Rs. 429.59 crore, other expenses of Rs. 117.17 crore, total expenses of Rs. 546.76 crore, profit before tax of Rs. 3.44 crore and net profit for the year of Rs. 4.99 crore.
Reported under net earned premiums: gross earned premiums of Rs. 442.13 crore and premiums ceded of Rs. 9.07 crore. Reported under other income: other direct income of Rs. 2.59 crore, interest income on loan to policyholders of Rs. 11.49 crore, income from investments and loans of Rs. 101.92 crore and other income of Rs. 1.14 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 113.62 crore, claims ceded of Rs. 5.19 crore, gross change in contract liabilities of Rs. 321.31 crore and change in contract liabilities ceded to reinsurers of Rs. 0.15 crore. Reported under other expenses: commission expenses of Rs. 39.88 crore, service fees of Rs. 3.25 crore, employee benefits expenses of Rs. 18.58 crore, depreciation and amortization expenses of Rs. 0.69 crore, other operating expenses of Rs. 54.35 crore and finance cost of Rs. 0.43 crore. Reported under net profit for the year: income tax expenses of Rs. 1.55 crore.
SJLIC quarterly for Q3 2082/83
In the quarter Q3 2082/83, SuryaJyoti Life Insurance Company Limited reported net earned premiums of Rs. 290.38 crore, other income of Rs. 99.11 crore, total income of Rs. 389.49 crore, net benefits and claims paid of Rs. 307.47 crore, other expenses of Rs. 59.14 crore, total expenses of Rs. 366.62 crore, profit before tax of Rs. 22.87 crore and net profit for the year of Rs. 12.85 crore.
Reported under net earned premiums: gross earned premiums of Rs. 294.47 crore and premiums ceded of Rs. 4.09 crore. Reported under other income: other direct income of Rs. 2.13 crore, interest income on loan to policyholders of Rs. 13.38 crore, income from investments and loans of Rs. 83.52 crore and other income of Rs. 0.08 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 95.31 crore, claims ceded of Rs. 3.99 crore, gross change in contract liabilities of Rs. 216.15 crore and change in contract liabilities ceded to reinsurers of Rs. 0 crore. Reported under other expenses: commission expenses of Rs. 24.84 crore, service fees of Rs. 2.18 crore, employee benefits expenses of Rs. 15.78 crore, depreciation and amortization expenses of Rs. 0.82 crore, other operating expenses of Rs. 15.48 crore and finance cost of Rs. 0.04 crore. Reported under net profit for the year: income tax expenses of Rs. 10.03 crore.
SJLIC quarterly for Q2 2082/83
In the quarter Q2 2082/83, SuryaJyoti Life Insurance Company Limited reported net earned premiums of Rs. 279.07 crore, other income of Rs. 95.64 crore, total income of Rs. 374.71 crore, net benefits and claims paid of Rs. 300.87 crore, other expenses of Rs. 56.99 crore, total expenses of Rs. 357.86 crore, profit before tax of Rs. 16.85 crore and net profit for the year of Rs. 7.94 crore.
Reported under net earned premiums: gross earned premiums of Rs. 284.61 crore and premiums ceded of Rs. 5.53 crore. Reported under other income: other direct income of Rs. 2.13 crore, interest income on loan to policyholders of Rs. 11.49 crore, income from investments and loans of Rs. 82 crore and other income of Rs. 0.02 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 85.93 crore, claims ceded of Rs. 3.12 crore, gross change in contract liabilities of Rs. 218.03 crore and change in contract liabilities ceded to reinsurers of Rs. 0.03 crore. Reported under other expenses: commission expenses of Rs. 27.32 crore, service fees of Rs. 2.09 crore, employee benefits expenses of Rs. 15.37 crore, depreciation and amortization expenses of Rs. 0.84 crore, other operating expenses of Rs. 11.27 crore and finance cost of Rs. 0.09 crore. Reported under net profit for the year: income tax expenses of Rs. 8.91 crore.
SJLIC quarterly for Q1 2082/83
In the quarter Q1 2082/83, SuryaJyoti Life Insurance Company Limited reported net earned premiums of Rs. 291.95 crore, other income of Rs. 103.55 crore, total income of Rs. 395.51 crore, net benefits and claims paid of Rs. 326.96 crore, other expenses of Rs. 50.6 crore, total expenses of Rs. 377.55 crore, profit before tax of Rs. 17.95 crore and net profit for the year of Rs. 12.25 crore.
Reported under net earned premiums: gross earned premiums of Rs. 295.27 crore and premiums ceded of Rs. 3.32 crore. Reported under other income: other direct income of Rs. 1.82 crore, interest income on loan to policyholders of Rs. 12.57 crore, income from investments and loans of Rs. 89.17 crore and other income of Rs. 0.01 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 70.56 crore, claims ceded of Rs. 3.23 crore, gross change in contract liabilities of Rs. 259.27 crore and change in contract liabilities ceded to reinsurers of Rs. 0.36 crore. Reported under other expenses: commission expenses of Rs. 21.84 crore, service fees of Rs. 2.19 crore, employee benefits expenses of Rs. 18.83 crore, depreciation and amortization expenses of Rs. 0.79 crore, other operating expenses of Rs. 6.86 crore and finance cost of Rs. 0.09 crore. Reported under net profit for the year: income tax expenses of Rs. 5.7 crore.
SJLIC Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Net Earned Premiums | 1,294 | 1,113 | 920 | 137 | 367 |
|---|
| Gross Earned Premiums | 1,316 | 1,136 | 950 | 147 | 383 |
|---|
| Premiums Ceded | -22.0 | -22.9 | -29.8 | -10.0 | -16.3 |
|---|
| Other Income | 415 | 397 | 360 | 46.6 | 81.5 |
|---|
| Other Direct Income | 8.7 | 8.6 | 7.4 | 0.41 | 0.72 |
|---|
| Interest Income on Loan to Policyholders | 48.9 | 41.6 | 37.0 | 4.2 | 6.3 |
|---|
| Income from Investments and Loans | 357 | 346 | 316 | 42.0 | 71.0 |
|---|
| Net Realised Gains/(Losses) | Not reported | 0.00 | 0.00 | 0.00 | -0.03 |
|---|
| Other Income | 1.2 | 0.25 | 0.03 | 0.00 | 3.5 |
|---|
| Total Income | 1,710 | 1,509 | 1,280 | 184 | 448 |
|---|
| Net Benefits and Claims Paid | -1,365 | -1,129 | -923 | -135 | -290 |
|---|
| Gross Benefits and Claims Paid | -365 | -376 | -327 | -16.8 | -36.5 |
|---|
| Claims Ceded | 15.5 | 20.6 | 37.4 | 3.2 | 10.4 |
|---|
| Gross Change in Contract Liabilities | -1,015 | -778 | -632 | -122 | -264 |
|---|
| Change in Contract Liabilities Ceded to Reinsurers | -0.23 | 4.3 | -1.7 | 0.95 | 0.25 |
|---|
| Other Expenses | -284 | -270 | -238 | -42.2 | -130 |
|---|
| Commission Expenses | -114 | -102 | -87.0 | -15.5 | -49.7 |
|---|
| Service Fees | -9.7 | -8.3 | -6.9 | -1.3 | -3.7 |
|---|
| Employee Benefits Expenses | -68.6 | -75.8 | -72.5 | -14.2 | -31.7 |
|---|
| Depreciation and Amortization Expenses | -3.1 | -7.9 | -7.5 | -2.8 | -4.7 |
|---|
| Impairment Losses | Not reported | 0.55 | -0.00 | -0.39 | 0.00 |
|---|
| Other Operating Expenses | -88.0 | -72.6 | -58.5 | -6.2 | -37.7 |
|---|
| Finance Cost | -0.66 | -3.9 | -5.2 | -1.8 | -2.9 |
|---|
| Total Expenses | -1,649 | -1,399 | -1,161 | -177 | -420 |
|---|
| Profit Before Tax | 61.1 | 110 | 119 | 6.6 | 28.1 |
|---|
| Net Profit for the Year | 38.0 | 72.8 | 85.2 | 5.4 | 39.7 |
|---|
| Income Tax Expenses | -23.1 | -37.7 | -34.3 | -1.2 | 11.7 |
|---|
SJLIC Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Total Assets | 5,043 | 4,222 | 1,208 | 1,115 |
|---|
| Goodwill & Intangible Assets | 6.6 | 6.5 | 0.53 | 0.54 |
|---|
| Property and Equipment | 31.5 | 30.9 | 23.0 | 27.4 |
|---|
| Deferred Tax Assets | 20.9 | 39.5 | 49.2 | 50.3 |
|---|
| Investments | 4,166 | 3,496 | 977 | 894 |
|---|
| Loans | 486 | 418 | 103 | 87.9 |
|---|
| Reinsurance Assets | 6.4 | 2.1 | 2.9 | 1.9 |
|---|
| Current Tax Assets | 103 | 103 | 26.3 | 23.2 |
|---|
| Insurance Receivables | 22.3 | 16.1 | 0.00 | 0.00 |
|---|
| Other Assets | 11.9 | 14.5 | 2.4 | 3.2 |
|---|
| Other Financial Assets | 106 | 24.2 | 21.7 | 13.8 |
|---|
| Cash and Cash Equivalent | 82.0 | 71.7 | 1.4 | 12.3 |
|---|
| Total Liabilities | 4,375 | 3,521 | 858 | 770 |
|---|
| Provisions | 11.2 | 1.4 | 0.81 | 2.1 |
|---|
| Gross Insurance Contract Liabilities | 4,161 | 3,371 | 788 | 666 |
|---|
| Insurance Payables | 2.5 | 8.5 | 5.0 | 25.3 |
|---|
| Borrowings | 35.0 | 0.00 | 20.0 | 19.4 |
|---|
| Other Liabilities | 92.1 | 76.9 | 23.3 | 28.4 |
|---|
| Other Financial Liabilities | 73.8 | 63.3 | 21.4 | 29.3 |
|---|
| Total Equity | 667 | 701 | 349 | 345 |
|---|
| Share Capital | 501 | 501 | 242 | 242 |
|---|
| Catastrophe Reserves | 42.0 | 37.7 | 13.4 | 12.7 |
|---|
| Retained Earnings | 92.4 | 115 | 45.5 | 39.7 |
|---|
| Other Equity | 31.8 | 46.9 | 48.3 | 50.3 |
|---|
SJLIC Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Opening Cash & Cash Equivalents | 71.7 | 73.6 | 12.3 | 19.0 |
|---|
| Net Cash Flow from Operating Activities | 460 | 438 | 54.0 | 260 |
|---|
| Gross Premium Received | 1,136 | 950 | 147 | 383 |
|---|
| Claim Recovery Received from Reinsurers | 14.3 | 35.4 | 3.2 | 10.4 |
|---|
| Other Direct Income Received | 8.6 | 7.4 | 0.41 | 0.72 |
|---|
| Other Income Received | 0.25 | 0.03 | 0.00 | 3.5 |
|---|
| Gross Benefits and Claims Paid | -376 | -327 | -16.8 | -36.5 |
|---|
| Reinsurance Premium Paid | -28.8 | -32.9 | -30.3 | 3.1 |
|---|
| Commission Paid | -92.5 | -88.3 | -27.4 | -49.7 |
|---|
| Service Fees Paid | -12.7 | -7.0 | -1.8 | -3.0 |
|---|
| Employee Benefits Expenses Paid | -77.6 | -66.6 | -15.3 | -31.2 |
|---|
| Other Expenses Paid | -74.2 | -63.0 | -1.1 | -14.7 |
|---|
| Income Tax Paid | -0.26 | -4.1 | -3.1 | -5.1 |
|---|
| Net Cash Flow from Investing Activities | -385 | -318 | -64.4 | -282 |
|---|
| Acquisitions of Intangible Assets | -0.12 | -0.05 | -0.03 | -0.13 |
|---|
| Acquisitions of Property and Equipment | -3.4 | -1.6 | -0.11 | -24.5 |
|---|
| Purchase of Equity Instruments | -187 | -78.0 | -1.8 | -1.8 |
|---|
| Proceeds from Sale of Equity Instruments | 0.00 | 0.00 | Not reported | -0.03 |
|---|
| Purchase of Mutual Funds | -13.8 | -6.0 | -0.50 | Not reported |
|---|
| Purchase of Debentures | -4.1 | -116 | -2.5 | -55.9 |
|---|
| Investments in Deposits | -444 | -393 | -78.9 | -258 |
|---|
| Interest Income Received | 343 | 316 | 33.5 | 77.3 |
|---|
| Dividend Received | 2.3 | 1.2 | 0.43 | 0.03 |
|---|
| Loans Against Insurance Policies | -67.5 | -31.0 | -14.6 | -34.2 |
|---|
| Net Cash Flow from Financing Activities | -65.6 | -121 | -0.58 | 15.0 |
|---|
| Interest Paid | -0.28 | -2.1 | -1.2 | -2.9 |
|---|
| Proceeds from Borrowings | 123 | 0.00 | 21.0 | 96.5 |
|---|
| Repayment of Borrowings | -88.0 | -6.4 | -20.4 | -77.1 |
|---|
| Dividend Paid | -100 | -112 | Not reported | Not reported |
|---|
| Net Change in Cash | 10.2 | -1.9 | -10.9 | -6.7 |
|---|
| Closing Cash & Cash Equivalents | 82.0 | 71.7 | 1.4 | 12.3 |
|---|
SJLIC Quarterly Results
Values in Rs. Crore unless stated otherwise.
| Particulars | Q4 2082/83 | Q3 2082/83 | Q2 2082/83 | Q1 2082/83 | Q4 2081/82 | Q3 2081/82 | Q2 2081/82 | Q1 2081/82 | Q4 2080/81 |
|---|
| Net Earned Premiums | 433 | 290 | 279 | 292 | 367 | 253 | 252 | 246 | 273 |
|---|
| Gross Earned Premiums | 442 | 294 | 285 | 295 | 372 | 257 | 257 | 250 | 295 |
|---|
| Premiums Ceded | -9.1 | -4.1 | -5.5 | -3.3 | -4.5 | -4.2 | -4.2 | -4.1 | -21.9 |
|---|
| Other Income | 117 | 99.1 | 95.6 | 104 | 98.0 | 95.1 | 95.5 | 106 | 104 |
|---|
| Other Direct Income | 2.6 | 2.1 | 2.1 | 1.8 | 2.5 | 2.1 | 2.4 | 1.6 | 2.1 |
|---|
| Interest Income on Loan to Policyholders | 11.5 | 13.4 | 11.5 | 12.6 | 11.4 | 9.5 | 10.1 | 10.6 | 18.8 |
|---|
| Income from Investments and Loans | 102 | 83.5 | 82.0 | 89.2 | 84.1 | 83.5 | 82.9 | 94.0 | 82.7 |
|---|
| Other Income | 1.1 | 0.08 | 0.02 | -0.01 | 0.09 | 0.00 | 0.05 | 0.11 | -0.00 |
|---|
| Total Income | 550 | 389 | 375 | 396 | 465 | 348 | 348 | 352 | 377 |
|---|
| Net Benefits and Claims Paid | -430 | -307 | -301 | -327 | -358 | -274 | -279 | -285 | -286 |
|---|
| Gross Benefits and Claims Paid | -114 | -95.3 | -85.9 | -70.6 | -97.3 | -111 | -90.8 | -70.7 | -150 |
|---|
| Claims Ceded | 5.2 | 4.0 | 3.1 | 3.2 | 6.4 | 4.2 | 5.9 | 3.7 | 15.5 |
|---|
| Gross Change in Contract Liabilities | -321 | -216 | -218 | -259 | -267 | -172 | -194 | -217 | -151 |
|---|
| Change in Contract Liabilities Ceded to Reinsurers | 0.15 | 0.00 | -0.03 | -0.36 | -0.09 | 4.4 | 0.09 | -0.18 | -0.50 |
|---|
| Other Expenses | -117 | -59.1 | -57.0 | -50.6 | -102 | -53.6 | -48.9 | -51.4 | -80.8 |
|---|
| Commission Expenses | -39.9 | -24.8 | -27.3 | -21.8 | -36.0 | -22.1 | -21.5 | -22.7 | -29.1 |
|---|
| Service Fees | -3.2 | -2.2 | -2.1 | -2.2 | -2.8 | -1.9 | -1.9 | -1.8 | -2.0 |
|---|
| Employee Benefits Expenses | -18.6 | -15.8 | -15.4 | -18.8 | -17.6 | -15.2 | -14.7 | -18.2 | -14.4 |
|---|
| Depreciation and Amortization Expenses | -0.69 | -0.82 | -0.84 | -0.79 | -0.78 | -0.77 | -0.76 | -0.79 | 0.29 |
|---|
| Impairment Losses | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | -0.00 |
|---|
| Other Operating Expenses | -54.3 | -15.5 | -11.3 | -6.9 | -45.2 | -13.6 | -10.1 | -7.6 | -35.4 |
|---|
| Finance Cost | -0.43 | -0.04 | -0.09 | -0.09 | -0.06 | -0.02 | Not reported | -0.20 | -0.12 |
|---|
| Total Expenses | -547 | -367 | -358 | -378 | -461 | -328 | -328 | -336 | -367 |
|---|
| Profit Before Tax | 3.4 | 22.9 | 16.9 | 18.0 | 4.5 | 20.4 | 19.8 | 16.2 | 10.1 |
|---|
| Net Profit for the Year | 5.0 | 12.8 | 7.9 | 12.2 | 5.5 | 10.0 | 8.1 | 11.5 | 10.1 |
|---|
| Income Tax Expenses | 1.6 | -10.0 | -8.9 | -5.7 | 0.92 | -10.4 | -11.7 | -4.6 | 0.00 |
|---|
SuryaJyoti Life Insurance share price history
Over the last 15 trading sessions SJLIC closed between Rs. 390.20 and Rs. 422.90, finishing at Rs. 422.90 on 2026-09-22 against Rs. 400.10 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 417.30 | 429.90 | 417.30 | 422.90 | 14,681 |
|---|
| 2026-09-18 | 413.00 | 424.40 | 413.00 | 420.80 | 14,521 |
|---|
| 2026-09-17 | 426.00 | 426.00 | 415.40 | 418.00 | 8,052 |
|---|
| 2026-09-16 | 419.00 | 425.00 | 406.50 | 413.10 | 10,630 |
|---|
| 2026-09-15 | 429.00 | 429.00 | 412.10 | 419.90 | 28,754 |
|---|
| 2026-09-14 | 406.00 | 410.90 | 401.10 | 409.50 | 5,523 |
|---|
| 2026-09-11 | 398.80 | 410.00 | 398.20 | 406.00 | 26,290 |
|---|
| 2026-09-10 | 392.00 | 402.00 | 392.00 | 402.00 | 3,671 |
|---|
| 2026-09-09 | 395.10 | 402.90 | 395.00 | 400.00 | 16,197 |
|---|
| 2026-09-07 | 395.00 | 402.00 | 395.00 | 398.00 | 8,388 |
|---|
| 2026-09-03 | 395.00 | 397.80 | 392.00 | 397.70 | 7,388 |
|---|
| 2026-09-02 | 395.00 | 404.00 | 390.00 | 397.00 | 6,066 |
|---|
| 2026-09-01 | 390.00 | 400.00 | 389.10 | 399.00 | 13,188 |
|---|
| 2026-08-31 | 400.00 | 400.00 | 390.10 | 390.20 | 12,818 |
|---|
| 2026-08-26 | 402.00 | 403.80 | 398.00 | 400.10 | 13,788 |
|---|
SJLIC share price by year
2026, between Rs. 389.10 and Rs. 485.00, 2025, between Rs. 390.00 and Rs. 504.00, 2024, between Rs. 395.10 and Rs. 644.00 and 2023, between Rs. 343.73 and Rs. 585.89.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 389.10 | 485.00 | 168 |
|---|
| 2025 | 390.00 | 504.00 | 225 |
|---|
| 2024 | 395.10 | 644.00 | 232 |
|---|
| 2023 | 343.73 | 585.89 | 213 |
|---|
SuryaJyoti Life Insurance share price returns
At Rs. 422.90 on 2026-09-22, SJLIC is up 0.71% over 1 week, up 3.91% over 1 month, up 0.07% over 3 months, down 8.50% over 6 months and up 1.19% 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 | +0.71% | 419.90 | 2026-09-15 |
|---|
| 1 month | +3.91% | 407.00 | 2026-08-21 |
|---|
| 3 months | +0.07% | 422.60 | 2026-06-24 |
|---|
| 6 months | -8.50% | 462.20 | 2026-03-26 |
|---|
| 1 year | +1.19% | 417.93 | 2025-09-21 |
|---|
SJLIC floorsheet for 2026-09-22
SJLIC traded 172 times on 2026-09-22, moving 14,661 shares for Rs. 0.62 crore of turnover. Trades went through between Rs. 417.30 and Rs. 429.90.
Largest buyers by volume: broker 45, Imperial Securities Co. Limited on 7,805 shares across 63 trades, broker 32, Premier Securites Company Limited on 1,000 shares across 1 trades, broker 17, ABC Securities Pvt. Limited on 991 shares across 8 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 990 shares across 9 trades, broker 47, Neev Securities Pvt.Ltd on 500 shares across 2 trades, broker 48, Trishakti Securities Public Limited on 500 shares across 1 trades, broker 62, Capital Max Securities Limited on 450 shares across 6 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 350 shares across 12 trades, broker 63, Himalayan Brokerage Company Limited on 350 shares across 13 trades and broker 42, Sani Securities Company Limited on 335 shares across 10 trades.
Largest sellers by volume: broker 43, South Asian Bulls Pvt.Limited on 3,236 shares across 15 trades, broker 45, Imperial Securities Co. Limited on 1,985 shares across 12 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 1,560 shares across 15 trades, broker 48, Trishakti Securities Public Limited on 1,210 shares across 3 trades, broker 28, Shree Krishna Securities Limited on 1,020 shares across 3 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 1,000 shares across 3 trades, broker 58, Naasa Securities Co. Ltd. on 625 shares across 17 trades, broker 11, Malla & Malla Stock Broking Company Pvt. Limited on 610 shares across 3 trades, broker 59, Deevyaa Securities & Stock House Pvt. Ltd on 540 shares across 3 trades and broker 16, Primo Securities Pvt. Limited on 530 shares across 2 trades.
SJLIC dividend history: bonus shares and cash dividend
SuryaJyoti Life Insurance Company Limited most recently declared a 10.26% bonus share issue and a 13% cash dividend, 23.26% in total for 2081/2082, announced on 2025-12-22. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.
| Financial year | Bonus share | Cash dividend | Announced |
|---|
| 2081/2082 | 10.26% | 13% | 2025-12-22 |
| 2080/2081 | | 20% | 2024-12-01 |
| 2079/2080 | 10.26% | 24.74% | 2024-04-12 |
| 2077/2078 | 12.7% | | 2021-12-10 |
For 2081/2082 SuryaJyoti Life Insurance Company Limited declared a 10.26% bonus share issue and a 13% cash dividend, 23.26% in total, announced on 2025-12-22.
For 2080/2081 SuryaJyoti Life Insurance Company Limited declared a 20% cash dividend, announced on 2024-12-01.
For 2079/2080 SuryaJyoti Life Insurance Company Limited declared a 10.26% bonus share issue and a 24.74% cash dividend, 35% in total, announced on 2024-04-12.
For 2077/2078 SuryaJyoti Life Insurance Company Limited declared a 12.7% bonus share issue, announced on 2021-12-10.
SJLIC general meetings
Annual and special general meetings SuryaJyoti Life Insurance Company Limited has called. A dividend is declared by the board and approved at the AGM.
- 18th AGM for 2081/2082: on 2026-01-14, at Hotel Harrison Palace, Biratnagar (10:30 AM)
- 17th AGM for 2080/2081: on 2024-12-21, at Big Hotel, Biratnagar (10:00 AM)
- 16th AGM for 2079/2080: on 2024-05-03, at Hotel Harrison Palace, Biratnagar (10:00 AM)
5 years of annual statements and 9 quarters of results for SJLIC, 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.
Other Life Insurance companies on NEPSE
All life insurance companies on NEPSE
More on NepView