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.
SuryaJyoti Life Insurance Company Limited (SJLIC) has 5,01,19,478 shares outstanding. Its most recent declared dividend was 13.00% on face value.
| Market Cap | Rs. 2,100.01 Crore |
|---|---|
| P/E Ratio | 28.86 |
| P/E Ratio (TTM) | 55.23 |
| EPS | Rs. 14.52 |
| EPS (TTM) | Rs. 7.59 |
| Book Value | Rs. 133.16 |
| Dividend Yield | 3.10% |
| Face Value | Rs. 100.00 |
| 52 Week High | Rs. 489.90 |
| 52 Week Low | Rs. 389.10 |
What SuryaJyoti Life Insurance Company Limited's own accounts show in its favour, graded against the rest of its sector.
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
In 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|---|---|---|---|---|---|
| Net Earned Premiums | 1,294 | 1,113 | 920 | 137 | 367 | 295 |
| Gross Earned Premiums | 1,316 | 1,136 | 950 | 147 | 383 | 307 |
| Premiums Ceded | -22.0 | -22.9 | -29.8 | -10.0 | -16.3 | -12.1 |
| Other Income | 415 | 397 | 360 | 46.6 | 81.5 | 50.4 |
| Other Direct Income | 8.7 | 8.6 | 7.4 | 0.41 | 0.72 | Not reported |
| Interest Income on Loan to Policyholders | 48.9 | 41.6 | 37.0 | 4.2 | 6.3 | Not reported |
| Income from Investments and Loans | 357 | 346 | 316 | 42.0 | 71.0 | 47.4 |
| Net Realised Gains/(Losses) | Not reported | 0.00 | 0.00 | 0.00 | -0.03 | 1.8 |
| Other Income | 1.2 | 0.25 | 0.03 | 0.00 | 3.5 | 1.2 |
| Total Income | 1,710 | 1,509 | 1,280 | 184 | 448 | 346 |
| 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 Ceded | 15.5 | 20.6 | 37.4 | 3.2 | 10.4 | 6.0 |
| Gross Change in Contract Liabilities | -1,015 | -778 | -632 | -122 | -264 | -203 |
| Change in Contract Liabilities Ceded to Reinsurers | -0.23 | 4.3 | -1.7 | 0.95 | 0.25 | 0.31 |
| 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 Losses | Not reported | 0.55 | -0.00 | -0.39 | 0.00 | 0.38 |
| 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 Tax | 61.1 | 110 | 119 | 6.6 | 28.1 | 16.4 |
| Net Profit for the Year | 38.0 | 72.8 | 85.2 | 5.4 | 39.7 | 34.0 |
| Income Tax Expenses | -23.1 | -37.7 | -34.3 | -1.2 | 11.7 | 17.6 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|---|---|---|---|---|
| Total Assets | 5,043 | 4,222 | 1,208 | 1,115 | 751 |
| Goodwill & Intangible Assets | 6.6 | 6.5 | 0.53 | 0.54 | 0.47 |
| Property and Equipment | 31.5 | 30.9 | 23.0 | 27.4 | 7.4 |
| Deferred Tax Assets | 20.9 | 39.5 | 49.2 | 50.3 | 37.7 |
| Investments | 4,166 | 3,496 | 977 | 894 | 581 |
| Loans | 486 | 418 | 103 | 87.9 | 53.7 |
| Reinsurance Assets | 6.4 | 2.1 | 2.9 | 1.9 | 1.7 |
| Current Tax Assets | 103 | 103 | 26.3 | 23.2 | 18.1 |
| Insurance Receivables | 22.3 | 16.1 | 0.00 | 0.00 | 0.00 |
| Other Assets | 11.9 | 14.5 | 2.4 | 3.2 | 2.9 |
| Other Financial Assets | 106 | 24.2 | 21.7 | 13.8 | 28.9 |
| Cash and Cash Equivalent | 82.0 | 71.7 | 1.4 | 12.3 | 19.0 |
| Total Liabilities | 4,375 | 3,521 | 858 | 770 | 444 |
| Provisions | 11.2 | 1.4 | 0.81 | 2.1 | 1.6 |
| Gross Insurance Contract Liabilities | 4,161 | 3,371 | 788 | 666 | 402 |
| Insurance Payables | 2.5 | 8.5 | 5.0 | 25.3 | 5.9 |
| Borrowings | 35.0 | 0.00 | 20.0 | 19.4 | 0.00 |
| Other Liabilities | 92.1 | 76.9 | 23.3 | 28.4 | 9.8 |
| Other Financial Liabilities | 73.8 | 63.3 | 21.4 | 29.3 | 24.6 |
| Total Equity | 667 | 701 | 349 | 345 | 308 |
| Share Capital | 501 | 501 | 242 | 242 | 220 |
| Catastrophe Reserves | 42.0 | 37.7 | 13.4 | 12.7 | 8.8 |
| Retained Earnings | 92.4 | 115 | 45.5 | 39.7 | 38.8 |
| Other Equity | 31.8 | 46.9 | 48.3 | 50.3 | 39.9 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 71.7 | 73.6 | 12.3 | 19.0 | 31.8 |
| Net Cash Flow from Operating Activities | 460 | 438 | 54.0 | 260 | 177 |
| Gross Premium Received | 1,136 | 950 | 147 | 383 | 314 |
| Claim Recovery Received from Reinsurers | 14.3 | 35.4 | 3.2 | 10.4 | 6.0 |
| Other Direct Income Received | 8.6 | 7.4 | 0.41 | 0.72 | Not reported |
| Other Income Received | 0.25 | 0.03 | 0.00 | 3.5 | 1.2 |
| Gross Benefits and Claims Paid | -376 | -327 | -16.8 | -36.5 | -14.7 |
| Reinsurance Premium Paid | -28.8 | -32.9 | -30.3 | 3.1 | -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 Instruments | 0.00 | 0.00 | Not reported | -0.03 | 1.8 |
| Purchase of Mutual Funds | -13.8 | -6.0 | -0.50 | Not reported | 0.00 |
| Purchase of Debentures | -4.1 | -116 | -2.5 | -55.9 | -82.5 |
| Investments in Deposits | -444 | -393 | -78.9 | -258 | -164 |
| Interest Income Received | 343 | 316 | 33.5 | 77.3 | 47.4 |
| Dividend Received | 2.3 | 1.2 | 0.43 | 0.03 | 0.02 |
| Loans Against Insurance Policies | -67.5 | -31.0 | -14.6 | -34.2 | -26.8 |
| Net Cash Flow from Financing Activities | -65.6 | -121 | -0.58 | 15.0 | 64.2 |
| Interest Paid | -0.28 | -2.1 | -1.2 | -2.9 | -0.17 |
| Proceeds from Borrowings | 123 | 0.00 | 21.0 | 96.5 | 63.7 |
| Repayment of Borrowings | -88.0 | -6.4 | -20.4 | -77.1 | -63.7 |
| Proceeds from Issue of Share Capital | Not reported | Not reported | Not reported | Not reported | 66.0 |
| Dividend Paid | -100 | -112 | Not reported | Not reported | 0.00 |
| Share Issuance Cost Paid | Not reported | Not reported | Not reported | -0.32 | Not reported |
| Dividend Distribution Tax Paid | Not reported | Not reported | Not reported | -1.2 | Not reported |
| Other Financing Activities | -0.12 | -0.39 | -0.01 | Not reported | -1.7 |
| Net Change in Cash | 10.2 | -1.9 | -10.9 | -6.7 | -12.8 |
| Closing Cash & Cash Equivalents | 82.0 | 71.7 | 1.4 | 12.3 | 19.0 |
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 |
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.
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| 2026-10-12 | 416.00 | 419.80 | 415.00 | 419.00 | 15,318 |
| 2026-10-09 | 412.00 | 417.40 | 412.00 | 417.00 | 6,858 |
| 2026-10-08 | 413.00 | 415.00 | 413.00 | 414.90 | 6,676 |
| 2026-10-07 | 413.10 | 418.00 | 413.10 | 415.00 | 13,704 |
| 2026-10-06 | 410.00 | 415.90 | 410.00 | 415.90 | 11,434 |
| 2026-10-05 | 407.10 | 415.00 | 407.10 | 411.50 | 20,463 |
| 2026-10-02 | 418.00 | 418.00 | 412.10 | 415.90 | 26,647 |
| 2026-10-01 | 411.20 | 419.00 | 411.20 | 419.00 | 5,558 |
| 2026-09-30 | 414.00 | 418.50 | 412.20 | 418.40 | 9,640 |
| 2026-09-29 | 408.00 | 419.00 | 408.00 | 416.90 | 12,587 |
| 2026-09-28 | 415.00 | 423.00 | 415.00 | 416.20 | 20,438 |
| 2026-09-24 | 413.00 | 418.00 | 411.00 | 415.00 | 5,843 |
| 2026-09-23 | 417.40 | 423.00 | 413.00 | 415.00 | 26,431 |
| 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, 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 | 181 |
| 2025 | 390.00 | 504.00 | 225 |
| 2024 | 395.10 | 644.00 | 232 |
| 2023 | 343.73 | 585.89 | 213 |
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.
| Period | Return | From price (Rs.) | From date |
|---|---|---|---|
| 1 week | +1.82% | 411.50 | 2026-10-05 |
| 1 month | +3.20% | 406.00 | 2026-09-11 |
| 3 months | +2.90% | 407.20 | 2026-07-14 |
| 6 months | -6.26% | 447.00 | 2026-04-15 |
| 1 year | +1.70% | 412.00 | 2025-10-12 |
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.
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.
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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