SuryaJyoti Life Insurance Company Limited (SJLIC) Share Price & Fundamentals

SuryaJyoti Life Insurance (SJLIC) share price is Rs. 419.00, up 0.48% on 2026-10-12. Open Rs. 416.00. High Rs. 419.80. Low Rs. 415.00. Volume 15,318.

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

Market CapRs. 2,100.01 Crore
P/E Ratio28.86
P/E Ratio (TTM)55.23
EPSRs. 14.52
EPS (TTM)Rs. 7.59
Book ValueRs. 133.16
Dividend Yield3.10%
Face ValueRs. 100.00
52 Week HighRs. 489.90
52 Week LowRs. 389.10

SJLIC strengths

What SuryaJyoti Life Insurance Company Limited's own accounts show in its favour, graded against the rest of its sector.

SJLIC weaknesses

What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.

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, dividend paid of Rs. 100.24 crore and other financing activities of Rs. 0.12 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, dividend paid of Rs. 112.46 crore and other financing activities of Rs. 0.39 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, repayment of borrowings of Rs. 20.4 crore and other financing activities of Rs. 0.01 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.

Particulars2082/832081/822080/812079/802078/792077/78
Net Earned Premiums1,2941,113920137367295
   Gross Earned Premiums1,3161,136950147383307
   Premiums Ceded-22.0-22.9-29.8-10.0-16.3-12.1
Other Income41539736046.681.550.4
   Other Direct Income8.78.67.40.410.72Not reported
   Interest Income on Loan to Policyholders48.941.637.04.26.3Not reported
   Income from Investments and Loans35734631642.071.047.4
   Net Realised Gains/(Losses)Not reported0.000.000.00-0.031.8
   Other Income1.20.250.030.003.51.2
Total Income1,7101,5091,280184448346
Net Benefits and Claims Paid-1,365-1,129-923-135-290-211
   Gross Benefits and Claims Paid-365-376-327-16.8-36.5-14.7
   Claims Ceded15.520.637.43.210.46.0
   Gross Change in Contract Liabilities-1,015-778-632-122-264-203
   Change in Contract Liabilities Ceded to Reinsurers-0.234.3-1.70.950.250.31
Other Expenses-284-270-238-42.2-130-118
   Commission Expenses-114-102-87.0-15.5-49.7-46.3
   Service Fees-9.7-8.3-6.9-1.3-3.7-3.0
   Employee Benefits Expenses-68.6-75.8-72.5-14.2-31.7-27.2
   Depreciation and Amortization Expenses-3.1-7.9-7.5-2.8-4.7-1.6
   Impairment LossesNot reported0.55-0.00-0.390.000.38
   Other Operating Expenses-88.0-72.6-58.5-6.2-37.7-40.3
   Finance Cost-0.66-3.9-5.2-1.8-2.9-0.17
Total Expenses-1,649-1,399-1,161-177-420-329
Profit Before Tax61.11101196.628.116.4
Net Profit for the Year38.072.885.25.439.734.0
   Income Tax Expenses-23.1-37.7-34.3-1.211.717.6

SJLIC Balance Sheet

Values in Rs. Crore unless stated otherwise.

Particulars2081/822080/812079/802078/792077/78
Total Assets5,0434,2221,2081,115751
   Goodwill & Intangible Assets6.66.50.530.540.47
   Property and Equipment31.530.923.027.47.4
   Deferred Tax Assets20.939.549.250.337.7
   Investments4,1663,496977894581
   Loans48641810387.953.7
   Reinsurance Assets6.42.12.91.91.7
   Current Tax Assets10310326.323.218.1
   Insurance Receivables22.316.10.000.000.00
   Other Assets11.914.52.43.22.9
   Other Financial Assets10624.221.713.828.9
   Cash and Cash Equivalent82.071.71.412.319.0
Total Liabilities4,3753,521858770444
   Provisions11.21.40.812.11.6
   Gross Insurance Contract Liabilities4,1613,371788666402
   Insurance Payables2.58.55.025.35.9
   Borrowings35.00.0020.019.40.00
   Other Liabilities92.176.923.328.49.8
   Other Financial Liabilities73.863.321.429.324.6
Total Equity667701349345308
   Share Capital501501242242220
   Catastrophe Reserves42.037.713.412.78.8
   Retained Earnings92.411545.539.738.8
   Other Equity31.846.948.350.339.9

SJLIC Cash Flow

Values in Rs. Crore unless stated otherwise.

Particulars2081/822080/812079/802078/792077/78
Opening Cash & Cash Equivalents71.773.612.319.031.8
Net Cash Flow from Operating Activities46043854.0260177
   Gross Premium Received1,136950147383314
   Claim Recovery Received from Reinsurers14.335.43.210.46.0
   Other Direct Income Received8.67.40.410.72Not reported
   Other Income Received0.250.030.003.51.2
   Gross Benefits and Claims Paid-376-327-16.8-36.5-14.7
   Reinsurance Premium Paid-28.8-32.9-30.33.1-12.1
   Commission Paid-92.5-88.3-27.4-49.7-46.3
   Service Fees Paid-12.7-7.0-1.8-3.0-1.8
   Employee Benefits Expenses Paid-77.6-66.6-15.3-31.2-26.4
   Other Expenses Paid-74.2-63.0-1.1-14.7-35.5
   Income Tax Paid-0.26-4.1-3.1-5.1-6.5
Net Cash Flow from Investing Activities-385-318-64.4-282-254
   Acquisitions of Intangible Assets-0.12-0.05-0.03-0.13-0.08
   Acquisitions of Property and Equipment-3.4-1.6-0.11-24.5-2.0
   Purchase of Equity Instruments-187-78.0-1.8-1.8-0.22
   Proceeds from Sale of Equity Instruments0.000.00Not reported-0.031.8
   Purchase of Mutual Funds-13.8-6.0-0.50Not reported0.00
   Purchase of Debentures-4.1-116-2.5-55.9-82.5
   Investments in Deposits-444-393-78.9-258-164
   Interest Income Received34331633.577.347.4
   Dividend Received2.31.20.430.030.02
   Loans Against Insurance Policies-67.5-31.0-14.6-34.2-26.8
Net Cash Flow from Financing Activities-65.6-121-0.5815.064.2
   Interest Paid-0.28-2.1-1.2-2.9-0.17
   Proceeds from Borrowings1230.0021.096.563.7
   Repayment of Borrowings-88.0-6.4-20.4-77.1-63.7
   Proceeds from Issue of Share CapitalNot reportedNot reportedNot reportedNot reported66.0
   Dividend Paid-100-112Not reportedNot reported0.00
   Share Issuance Cost PaidNot reportedNot reportedNot reported-0.32Not reported
   Dividend Distribution Tax PaidNot reportedNot reportedNot reported-1.2Not reported
   Other Financing Activities-0.12-0.39-0.01Not reported-1.7
Net Change in Cash10.2-1.9-10.9-6.7-12.8
Closing Cash & Cash Equivalents82.071.71.412.319.0

SJLIC Quarterly Results

Values in Rs. Crore unless stated otherwise.

ParticularsQ4 2082/83Q3 2082/83Q2 2082/83Q1 2082/83Q4 2081/82Q3 2081/82Q2 2081/82Q1 2081/82Q4 2080/81
Net Earned Premiums433290279292367253252246273
   Gross Earned Premiums442294285295372257257250295
   Premiums Ceded-9.1-4.1-5.5-3.3-4.5-4.2-4.2-4.1-21.9
Other Income11799.195.610498.095.195.5106104
   Other Direct Income2.62.12.11.82.52.12.41.62.1
   Interest Income on Loan to Policyholders11.513.411.512.611.49.510.110.618.8
   Income from Investments and Loans10283.582.089.284.183.582.994.082.7
   Other Income1.10.080.02-0.010.090.000.050.11-0.00
Total Income550389375396465348348352377
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 Ceded5.24.03.13.26.44.25.93.715.5
   Gross Change in Contract Liabilities-321-216-218-259-267-172-194-217-151
   Change in Contract Liabilities Ceded to Reinsurers0.150.00-0.03-0.36-0.094.40.09-0.18-0.50
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-0.69-0.82-0.84-0.79-0.78-0.77-0.76-0.790.29
   Impairment LossesNot reportedNot reportedNot reportedNot reportedNot reportedNot reportedNot reportedNot 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-0.43-0.04-0.09-0.09-0.06-0.02Not reported-0.20-0.12
Total Expenses-547-367-358-378-461-328-328-336-367
Profit Before Tax3.422.916.918.04.520.419.816.210.1
Net Profit for the Year5.012.87.912.25.510.08.111.510.1
   Income Tax Expenses1.6-10.0-8.9-5.70.92-10.4-11.7-4.60.00

SuryaJyoti Life Insurance share price history

Over the last 15 trading sessions SJLIC closed between Rs. 411.50 and Rs. 422.90, finishing at Rs. 419.00 on 2026-10-12 against Rs. 420.80 on 2026-09-18.

DateOpenHighLowCloseVolume
2026-10-12416.00419.80415.00419.0015,318
2026-10-09412.00417.40412.00417.006,858
2026-10-08413.00415.00413.00414.906,676
2026-10-07413.10418.00413.10415.0013,704
2026-10-06410.00415.90410.00415.9011,434
2026-10-05407.10415.00407.10411.5020,463
2026-10-02418.00418.00412.10415.9026,647
2026-10-01411.20419.00411.20419.005,558
2026-09-30414.00418.50412.20418.409,640
2026-09-29408.00419.00408.00416.9012,587
2026-09-28415.00423.00415.00416.2020,438
2026-09-24413.00418.00411.00415.005,843
2026-09-23417.40423.00413.00415.0026,431
2026-09-22417.30429.90417.30422.9014,681
2026-09-18413.00424.40413.00420.8014,521

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.

YearLow (Rs.)High (Rs.)Sessions
2026389.10485.00181
2025390.00504.00225
2024395.10644.00232
2023343.73585.89213

SuryaJyoti Life Insurance share price returns

At Rs. 419.00 on 2026-10-12, SJLIC is up 1.82% over 1 week, up 3.20% over 1 month, up 2.90% over 3 months, down 6.26% over 6 months and up 1.70% over 1 year. Each return compares that close with the last close on or before the same date in the earlier period.

PeriodReturnFrom price (Rs.)From date
1 week+1.82%411.502026-10-05
1 month+3.20%406.002026-09-11
3 months+2.90%407.202026-07-14
6 months-6.26%447.002026-04-15
1 year+1.70%412.002025-10-12

SJLIC floorsheet for 2026-10-12

SJLIC traded 145 times on 2026-10-12, moving 15,318 shares for Rs. 0.64 crore of turnover. Trades went through between Rs. 405.80 and Rs. 419.80.

Largest buyers by volume: broker 3, Arun Securities Pvt. Limited on 5,593 shares across 17 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 4,000 shares across 23 trades, broker 47, Neev Securities Pvt.Ltd on 1,000 shares across 9 trades, broker 49, Online Securities Limited on 957 shares across 12 trades, broker 26, Asian Securities Pvt. Limited on 750 shares across 14 trades, broker 6, Agrawal Securities Pvt. Limited on 622 shares across 14 trades, broker 62, Capital Max Securities Limited on 500 shares across 7 trades, broker 34, Vision Securities Pvt.Limited on 493 shares across 9 trades, broker 32, Premier Securites Company Limited on 465 shares across 5 trades and broker 58, Naasa Securities Co. Ltd. on 460 shares across 17 trades.

Largest sellers by volume: broker 45, Imperial Securities Co. Limited on 4,937 shares across 16 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 2,603 shares across 9 trades, broker 94, K.B.L. Securities Limited on 1,793 shares across 2 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 1,060 shares across 8 trades, broker 43, South Asian Bulls Pvt.Limited on 1,026 shares across 9 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 612 shares across 7 trades, broker 17, ABC Securities Pvt. Limited on 510 shares across 6 trades, broker 52, Sundhara Securities Limited on 510 shares across 6 trades, broker 51, Oxford Securities Pvt.Ltd on 310 shares across 2 trades and broker 32, Premier Securites Company Limited on 240 shares across 3 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 yearBonus shareCash dividendAnnounced
2081/208210.26%13%2025-12-22
2080/208120%2024-12-01
2079/208010.26%24.74%2024-04-12
2077/207812.7%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.

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

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