Sun Nepal Life Insurance Company Limited (SNLI) Share Price & Fundamentals
Sun Nepal Life Insurance (SNLI) share price is Rs. 427.50, up 2.03% on 2026-09-22. Open Rs. 439.90. High Rs. 439.90. Low Rs. 413.10. Volume 29,801.
Sun Nepal Life Insurance Company Limited is a NEPSE-listed company (SNLI), Life Insurance sector. Premium: Rs. 432.61 Crore. Net profit: Rs. 63.38 Crore. Net worth: Rs. 794.58 Crore.
About Sun Nepal Life Insurance Company Limited
Sun Nepal Life Insurance Company Limited is a NEPSE-listed life insurance company headquartered at Putalisadak, New Plaza, Kathmandu, Nepal. It provides life insurance products and services across Nepal.
Sun Nepal Life Insurance Company Limited (SNLI) has 5,28,27,936 shares outstanding. Its most recent declared dividend was 15.26% on face value.
Company website: sunlife.com.np.
SNLI key metrics
SNLI strengths
What Sun Nepal Life Insurance Company Limited's own accounts show in its favour, graded against the rest of its sector.
- The number of live policies grew 26.8% on last year. (Premium Growth & Book Quality)
- Earns 3.4% a year on everything it owns, so its investments are working well. (Profitability)
- 43.2% of what it owns belongs to shareholders rather than policyholders and lenders. (Solvency)
- 89.9% of investments are long term, which matches the decades-long promises it has made. (Investment Performance)
- Holds 2.44x of the safety capital required, comfortably above the 1.5 times the regulator sets. (Solvency)
- The company grew 29.2% bigger over the year. (Shareholder Returns)
- The fund set aside for policyholders grew 17.8%, so future claims are better covered. (Reserving & Liability Strength)
SNLI weaknesses
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
- Earns only 8% a year on shareholders' money, below what owners would hope for. (Profitability)
- Earns only 5.6% on the money it holds, so those funds are underused. (Investment Performance)
- Only 54.9% is set aside to pay policyholders, which is light cover. (Reserving & Liability Strength)
SNLI Q3 2082/83 results
In Q3 2082/83 Sun Nepal Life Insurance Company Limited reported profit of Rs. 6.44 crore and net earned premiums of Rs. 113.41 crore. Profit in Q2 2082/83 was Rs. 5.03 crore. Profit grew 28.23% on the previous quarter. Net earned premiums fell 7.37% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was Rs. 5.29 crore. Profit grew 21.84% on the same quarter last year. Net earned premiums fell 2.26% on the same quarter last year.
SNLI annual results 2081/82
For the financial year 2081/82 Sun Nepal Life Insurance Company Limited reported net profit of Rs. 63.38 crore, net earned premiums of Rs. 432.61 crore and net worth of Rs. 794.58 crore. Net profit in 2080/81 was Rs. 53.73 crore. Net profit grew 17.96% on the year. Net earned premiums grew 25.42% on the year.
SNLI profit and loss for 2081/82
In the financial year 2081/82, Sun Nepal Life Insurance Company Limited reported net earned premiums of Rs. 432.61 crore, other income of Rs. 113.57 crore, total income of Rs. 546.18 crore, net benefits and claims paid of Rs. 353 crore, other expenses of Rs. 134.16 crore, total expenses of Rs. 487.16 crore, profit before tax of Rs. 59.02 crore and net profit for the year of Rs. 63.38 crore.
Reported under net earned premiums: gross earned premiums of Rs. 453.94 crore and premiums ceded of Rs. 21.33 crore. Reported under other income: commission income of Rs. 2.46 crore, other direct income of Rs. 1.97 crore, interest income on loan to policyholders of Rs. 8.58 crore, income from investments and loans of Rs. 85.78 crore, net gain/(loss) on fair value changes of Rs. 17.7 crore, net realised gains/(losses) of Rs. 31.33 crore and other income of Rs. 1.15 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 159.07 crore, claims ceded of Rs. 31.18 crore, gross change in contract liabilities of Rs. 225.2 crore and change in contract liabilities ceded to reinsurers of Rs. 0.09 crore. Reported under other expenses: commission expenses of Rs. 42.47 crore, service fees of Rs. 3.24 crore, other direct expenses of Rs. 0.58 crore, employee benefits expenses of Rs. 43.46 crore, depreciation and amortization expenses of Rs. 3.81 crore, impairment losses of Rs. 0.1 crore, other operating expenses of Rs. 40.23 crore and finance cost of Rs. 0.27 crore. Reported under net profit for the year: income tax expenses of Rs. 4.36 crore.
SNLI profit and loss for 2080/81
In the financial year 2080/81, Sun Nepal Life Insurance Company Limited reported net earned premiums of Rs. 344.94 crore, other income of Rs. 120.97 crore, total income of Rs. 465.9 crore, net benefits and claims paid of Rs. 298.12 crore, other expenses of Rs. 104.5 crore, total expenses of Rs. 402.62 crore, profit before tax of Rs. 63.28 crore and net profit for the year of Rs. 53.73 crore.
Reported under net earned premiums: gross earned premiums of Rs. 388.5 crore and premiums ceded of Rs. 43.57 crore. Reported under other income: commission income of Rs. 5.29 crore, other direct income of Rs. 1.7 crore, interest income on loan to policyholders of Rs. 6.94 crore, income from investments and loans of Rs. 86.29 crore, net gain/(loss) on fair value changes of Rs. 10.43 crore, net realised gains/(losses) of Rs. 10.14 crore and other income of Rs. 0.18 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 125.36 crore, claims ceded of Rs. 22.5 crore, gross change in contract liabilities of Rs. 195.34 crore and change in contract liabilities ceded to reinsurers of Rs. 0.08 crore. Reported under other expenses: commission expenses of Rs. 32.64 crore, service fees of Rs. 2.59 crore, other direct expenses of Rs. 0.45 crore, employee benefits expenses of Rs. 31.04 crore, depreciation and amortization expenses of Rs. 2.26 crore, other operating expenses of Rs. 35.1 crore and finance cost of Rs. 0.43 crore. Reported under net profit for the year: income tax expenses of Rs. 9.56 crore.
SNLI profit and loss for 2079/80
In the financial year 2079/80, Sun Nepal Life Insurance Company Limited reported net earned premiums of Rs. 298.2 crore, other income of Rs. 92.99 crore, total income of Rs. 391.19 crore, net benefits and claims paid of Rs. 257.43 crore, other expenses of Rs. 87.86 crore, total expenses of Rs. 345.29 crore, profit before tax of Rs. 45.9 crore and net profit for the year of Rs. 78.9 crore.
Reported under net earned premiums: gross earned premiums of Rs. 375.2 crore and premiums ceded of Rs. 77 crore. Reported under other income: commission income of Rs. 26.68 crore, other direct income of Rs. 1.25 crore, interest income on loan to policyholders of Rs. 4.66 crore, income from investments and loans of Rs. 59.68 crore, net gain/(loss) on fair value changes of Rs. 0.02 crore, net realised gains/(losses) of Rs. 0.08 crore and other income of Rs. 0.63 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 99.25 crore, claims ceded of Rs. 10.28 crore, gross change in contract liabilities of Rs. 168.36 crore and change in contract liabilities ceded to reinsurers of Rs. 0.11 crore. Reported under other expenses: commission expenses of Rs. 34.67 crore, service fees of Rs. 2.59 crore, other direct expenses of Rs. 0 crore, employee benefits expenses of Rs. 28.42 crore, depreciation and amortization expenses of Rs. 1.76 crore, impairment losses of Rs. 0.06 crore, other operating expenses of Rs. 20.05 crore and finance cost of Rs. 0.31 crore. Reported under net profit for the year: income tax expenses of Rs. 33 crore.
SNLI balance sheet for 2081/82
In the financial year 2081/82, Sun Nepal Life Insurance Company Limited reported total assets of Rs. 1,840.4 crore, total liabilities of Rs. 1,045.82 crore and total equity of Rs. 794.58 crore.
Reported under total assets: goodwill & intangible assets of Rs. 2.17 crore, property and equipment of Rs. 13.39 crore, deferred tax assets of Rs. 26.83 crore, investment in subsidiaries of Rs. 0 crore, investments of Rs. 1,531.46 crore, loans of Rs. 72.76 crore, reinsurance assets of Rs. 0.28 crore, current tax assets of Rs. 35.77 crore, insurance receivables of Rs. 7.66 crore, other assets of Rs. 0.71 crore, other financial assets of Rs. 30.4 crore and cash and cash equivalent of Rs. 118.95 crore. Reported under total liabilities: provisions of Rs. 0.83 crore, gross insurance contract liabilities of Rs. 1,000.1 crore, deferred tax liabilities of Rs. 0 crore, insurance payables of Rs. 0 crore, other liabilities of Rs. 9.48 crore and other financial liabilities of Rs. 35.4 crore. Reported under total equity: share capital of Rs. 500.87 crore, share application money pending allotment of Rs. 0 crore, share premium of Rs. 124.56 crore, catastrophe reserves of Rs. 20.47 crore, retained earnings of Rs. 112.99 crore and other equity of Rs. 35.69 crore.
SNLI balance sheet for 2080/81
In the financial year 2080/81, Sun Nepal Life Insurance Company Limited reported total assets of Rs. 1,424.84 crore, total liabilities of Rs. 798.8 crore and total equity of Rs. 626.04 crore.
Reported under total assets: goodwill & intangible assets of Rs. 2.45 crore, property and equipment of Rs. 9.88 crore, deferred tax assets of Rs. 24.85 crore, investment in subsidiaries of Rs. 0 crore, investments of Rs. 1,142.87 crore, loans of Rs. 60.99 crore, reinsurance assets of Rs. 0.19 crore, current tax assets of Rs. 24.03 crore, insurance receivables of Rs. 24.19 crore, other assets of Rs. 1.63 crore, other financial assets of Rs. 19.21 crore and cash and cash equivalent of Rs. 114.54 crore. Reported under total liabilities: provisions of Rs. 0.57 crore, gross insurance contract liabilities of Rs. 762.32 crore, deferred tax liabilities of Rs. 0 crore, insurance payables of Rs. 0 crore, other liabilities of Rs. 13.36 crore and other financial liabilities of Rs. 22.54 crore. Reported under total equity: share capital of Rs. 396.16 crore, share application money pending allotment of Rs. 0 crore, share premium of Rs. 125.63 crore, catastrophe reserves of Rs. 14.58 crore, retained earnings of Rs. 57.13 crore and other equity of Rs. 32.54 crore.
SNLI balance sheet for 2079/80
In the financial year 2079/80, Sun Nepal Life Insurance Company Limited reported total assets of Rs. 949.14 crore, total liabilities of Rs. 594.94 crore and total equity of Rs. 354.2 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.29 crore, property and equipment of Rs. 9.56 crore, deferred tax assets of Rs. 33.48 crore, investment in subsidiaries of Rs. 0 crore, investments of Rs. 761.6 crore, loans of Rs. 48.31 crore, reinsurance assets of Rs. 0.11 crore, current tax assets of Rs. 18.92 crore, insurance receivables of Rs. 19.04 crore, other assets of Rs. 0.49 crore, other financial assets of Rs. 10.94 crore and cash and cash equivalent of Rs. 46.41 crore. Reported under total liabilities: provisions of Rs. 0.79 crore, gross insurance contract liabilities of Rs. 565.66 crore, deferred tax liabilities of Rs. 0 crore, insurance payables of Rs. 0 crore, other liabilities of Rs. 10.29 crore and other financial liabilities of Rs. 18.2 crore. Reported under total equity: share capital of Rs. 224 crore, share application money pending allotment of Rs. 0 crore, share premium of Rs. 0 crore, catastrophe reserves of Rs. 9.32 crore, retained earnings of Rs. 80.84 crore and other equity of Rs. 40.04 crore.
SNLI cash flow for 2081/82
In the financial year 2081/82, Sun Nepal Life Insurance Company Limited reported opening cash & cash equivalents of Rs. 114.54 crore, net cash flow from operating activities of Rs. 184.26 crore, net cash flow from investing activities of Rs. 283.18 crore, net cash flow from financing activities of Rs. 103.32 crore, net change in cash of Rs. 4.41 crore and closing cash & cash equivalents of Rs. 118.95 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 453.94 crore, commission / reinsurance commission received of Rs. 2.46 crore, claim recovery received from reinsurers of Rs. 31.18 crore, other direct income received of Rs. 1.97 crore, other income received of Rs. 0.97 crore, gross benefits and claims paid of Rs. 159.07 crore, reinsurance premium paid of Rs. 4.81 crore, commission paid of Rs. 39.85 crore, service fees paid of Rs. 2.75 crore, employee benefits expenses paid of Rs. 35.5 crore, other expenses paid of Rs. 47.28 crore and income tax paid of Rs. 16.43 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.55 crore, acquisitions of property and equipment of Rs. 7.58 crore, purchase of equity instruments of Rs. 944.55 crore, proceeds from sale of equity instruments of Rs. 797.17 crore, purchase of mutual funds of Rs. 18.5 crore, purchase of debentures of Rs. 25.96 crore, investments in deposits of Rs. 323.2 crore, maturity of deposits of Rs. 158.7 crore, interest income received of Rs. 88.51 crore, dividend received of Rs. 3.89 crore and loans against insurance policies of Rs. 11.85 crore. Reported under net cash flow from financing activities: proceeds from issue of share capital of Rs. 104.71 crore.
SNLI cash flow for 2080/81
In the financial year 2080/81, Sun Nepal Life Insurance Company Limited reported opening cash & cash equivalents of Rs. 46.41 crore, net cash flow from operating activities of Rs. 139.02 crore, net cash flow from investing activities of Rs. 288.77 crore, net cash flow from financing activities of Rs. 217.89 crore, net change in cash of Rs. 68.13 crore and closing cash & cash equivalents of Rs. 114.54 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 388.5 crore, commission / reinsurance commission received of Rs. 5.29 crore, claim recovery received from reinsurers of Rs. 22.5 crore, other direct income received of Rs. 1.7 crore, other income received of Rs. 0.18 crore, gross benefits and claims paid of Rs. 125.36 crore, reinsurance premium paid of Rs. 48.71 crore, commission paid of Rs. 32.16 crore, service fees paid of Rs. 2.8 crore, employee benefits expenses paid of Rs. 30.29 crore, other expenses paid of Rs. 37 crore and income tax paid of Rs. 2.4 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 2.29 crore, acquisitions of property and equipment of Rs. 2.73 crore, purchase of equity instruments of Rs. 232.31 crore, proceeds from sale of equity instruments of Rs. 161.54 crore, purchase of mutual funds of Rs. 3 crore, investments in deposits of Rs. 408.5 crore, maturity of deposits of Rs. 130.3 crore, interest income received of Rs. 84.74 crore, dividend received of Rs. 2.95 crore and loans against insurance policies of Rs. 12.68 crore. Reported under net cash flow from financing activities: proceeds from issue of share capital of Rs. 222.09 crore.
SNLI cash flow for 2079/80
In the financial year 2079/80, Sun Nepal Life Insurance Company Limited reported opening cash & cash equivalents of Rs. 94.76 crore, net cash flow from operating activities of Rs. 81.23 crore, net cash flow from investing activities of Rs. 190.49 crore, net cash flow from financing activities of Rs. 60.91 crore, net change in cash of Rs. 48.35 crore and closing cash & cash equivalents of Rs. 46.41 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 375.2 crore, commission / reinsurance commission received of Rs. 26.68 crore, claim recovery received from reinsurers of Rs. 10.28 crore, other direct income received of Rs. 1.25 crore, other income received of Rs. 3.28 crore, gross benefits and claims paid of Rs. 99.25 crore, reinsurance premium paid of Rs. 145.3 crore, commission paid of Rs. 34.54 crore, service fees paid of Rs. 2.17 crore, employee benefits expenses paid of Rs. 26.77 crore, other expenses paid of Rs. 23.08 crore and income tax paid of Rs. 4.35 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.25 crore, acquisitions of property and equipment of Rs. 2.79 crore, investment in subsidiaries of Rs. 0 crore, purchase of equity instruments of Rs. 101.22 crore, proceeds from sale of equity instruments of Rs. 17.41 crore, purchase of mutual funds of Rs. 5.97 crore, purchase of debentures of Rs. 0 crore, investments in deposits of Rs. 428.66 crore, maturity of deposits of Rs. 282.61 crore, interest income received of Rs. 59.98 crore, dividend received of Rs. 0.38 crore and loans against insurance policies of Rs. 11.99 crore. Reported under net cash flow from financing activities: proceeds from issue of share capital of Rs. 62.47 crore.
SNLI quarterly for Q3 2082/83
In the quarter Q3 2082/83, Sun Nepal Life Insurance Company Limited reported net earned premiums of Rs. 113.41 crore, other income of Rs. 21.36 crore, total income of Rs. 134.77 crore, net benefits and claims paid of Rs. 106.46 crore, other expenses of Rs. 29.79 crore, total expenses of Rs. 136.24 crore, profit before tax of Rs. 1.48 crore and net profit for the year of Rs. 6.44 crore.
Reported under net earned premiums: gross earned premiums of Rs. 116.84 crore and premiums ceded of Rs. 3.43 crore. Reported under other income: commission income of Rs. 1.6 crore, other direct income of Rs. 0.69 crore, interest income on loan to policyholders of Rs. 1.4 crore, income from investments and loans of Rs. 13.76 crore, net gain/(loss) on fair value changes of Rs. 1.45 crore, net realised gains/(losses) of Rs. 2.42 crore and other income of Rs. 0.06 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 33.61 crore, claims ceded of Rs. 2.92 crore, gross change in contract liabilities of Rs. 75.66 crore and change in contract liabilities ceded to reinsurers of Rs. 0.1 crore. Reported under other expenses: commission expenses of Rs. 10.79 crore, service fees of Rs. 0.85 crore, other direct expenses of Rs. 0.28 crore, employee benefits expenses of Rs. 8.35 crore, depreciation and amortization expenses of Rs. 0.81 crore, other operating expenses of Rs. 8.71 crore and finance cost of Rs. 0.01 crore. Reported under net profit for the year: income tax expenses of Rs. 7.92 crore.
SNLI quarterly for Q2 2082/83
In the quarter Q2 2082/83, Sun Nepal Life Insurance Company Limited reported net earned premiums of Rs. 122.43 crore, other income of Rs. 37.42 crore, total income of Rs. 159.86 crore, net benefits and claims paid of Rs. 117.2 crore, other expenses of Rs. 28.12 crore, total expenses of Rs. 145.32 crore, profit before tax of Rs. 14.54 crore and net profit for the year of Rs. 5.03 crore.
Reported under net earned premiums: gross earned premiums of Rs. 127.24 crore and premiums ceded of Rs. 4.8 crore. Reported under other income: commission income of Rs. 0.21 crore, other direct income of Rs. 0.73 crore, interest income on loan to policyholders of Rs. 1.14 crore, income from investments and loans of Rs. 31.36 crore, net gain/(loss) on fair value changes of Rs. 5.28 crore, net realised gains/(losses) of Rs. 1.36 crore and other income of Rs. 0.06 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 36.84 crore, claims ceded of Rs. 4.97 crore, gross change in contract liabilities of Rs. 85.51 crore and change in contract liabilities ceded to reinsurers of Rs. 0.18 crore. Reported under other expenses: commission expenses of Rs. 11.75 crore, service fees of Rs. 0.92 crore, other direct expenses of Rs. 0.32 crore, employee benefits expenses of Rs. 9.53 crore, depreciation and amortization expenses of Rs. 0.8 crore, other operating expenses of Rs. 4.82 crore and finance cost of Rs. 0.01 crore. Reported under net profit for the year: income tax expenses of Rs. 9.51 crore.
SNLI quarterly for Q1 2082/83
In the quarter Q1 2082/83, Sun Nepal Life Insurance Company Limited reported net earned premiums of Rs. 104.15 crore, other income of Rs. 7.2 crore, total income of Rs. 96.95 crore, net benefits and claims paid of Rs. 58.86 crore, other expenses of Rs. 26.8 crore, total expenses of Rs. 85.66 crore, profit before tax of Rs. 11.29 crore and net profit for the year of Rs. 19.2 crore.
Reported under net earned premiums: gross earned premiums of Rs. 108.35 crore and premiums ceded of Rs. 4.2 crore. Reported under other income: commission income of Rs. 0 crore, other direct income of Rs. 0.55 crore, interest income on loan to policyholders of Rs. 0.27 crore, income from investments and loans of Rs. 23.51 crore, net gain/(loss) on fair value changes of Rs. 31.52 crore, net realised gains/(losses) of Rs. 0.02 crore and other income of Rs. 0 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 35.9 crore, claims ceded of Rs. 3.69 crore, gross change in contract liabilities of Rs. 27.1 crore and change in contract liabilities ceded to reinsurers of Rs. 0.46 crore. Reported under other expenses: commission expenses of Rs. 9.13 crore, service fees of Rs. 0.78 crore, other direct expenses of Rs. 0.13 crore, employee benefits expenses of Rs. 11.26 crore, depreciation and amortization expenses of Rs. 1.06 crore, other operating expenses of Rs. 4.4 crore and finance cost of Rs. 0.05 crore. Reported under net profit for the year: income tax expenses of Rs. 7.91 crore.
SNLI quarterly for Q4 2081/82
In the quarter Q4 2081/82, Sun Nepal Life Insurance Company Limited reported net earned premiums of Rs. 97.95 crore, other income of Rs. 36.87 crore, total income of Rs. 134.83 crore, net benefits and claims paid of Rs. 71.5 crore, other expenses of Rs. 46.21 crore, total expenses of Rs. 117.71 crore, profit before tax of Rs. 17.11 crore and net profit for the year of Rs. 16.46 crore.
Reported under net earned premiums: gross earned premiums of Rs. 82.63 crore and premiums ceded of Rs. 15.32 crore. Reported under other income: commission income of Rs. 1.72 crore, other direct income of Rs. 0.53 crore, interest income on loan to policyholders of Rs. 6.08 crore, income from investments and loans of Rs. 21.29 crore, net gain/(loss) on fair value changes of Rs. 1.95 crore, net realised gains/(losses) of Rs. 8.78 crore and other income of Rs. 0.43 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 46.66 crore, claims ceded of Rs. 9.04 crore, gross change in contract liabilities of Rs. 33.76 crore and change in contract liabilities ceded to reinsurers of Rs. 0.12 crore. Reported under other expenses: commission expenses of Rs. 13.79 crore, service fees of Rs. 0.73 crore, other direct expenses of Rs. 0.58 crore, employee benefits expenses of Rs. 13.97 crore, depreciation and amortization expenses of Rs. 1.76 crore, other operating expenses of Rs. 15.43 crore and finance cost of Rs. 0.06 crore. Reported under net profit for the year: income tax expenses of Rs. 0.66 crore.
SNLI Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
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| Net Earned Premiums | 433 | 345 | 298 | 233 |
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| Gross Earned Premiums | 454 | 389 | 375 | 246 |
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| Premiums Ceded | -21.3 | -43.6 | -77.0 | -13.5 |
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| Other Income | 114 | 121 | 93.0 | 53.7 |
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| Commission Income | 2.5 | 5.3 | 26.7 | 0.00 |
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| Other Direct Income | 2.0 | 1.7 | 1.3 | 9.2 |
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| Interest Income on Loan to Policyholders | 8.6 | 6.9 | 4.7 | 3.0 |
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| Income from Investments and Loans | 85.8 | 86.3 | 59.7 | 41.6 |
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| Net Gain/(Loss) on Fair Value Changes | -17.7 | 10.4 | 0.02 | 0.00 |
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| Net Realised Gains/(Losses) | 31.3 | 10.1 | 0.08 | -0.24 |
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| Other Income | 1.1 | 0.18 | 0.63 | 0.12 |
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| Total Income | 546 | 466 | 391 | 287 |
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| Net Benefits and Claims Paid | -353 | -298 | -257 | -169 |
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| Gross Benefits and Claims Paid | -159 | -125 | -99.3 | -51.5 |
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| Claims Ceded | 31.2 | 22.5 | 10.3 | 4.8 |
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| Gross Change in Contract Liabilities | -225 | -195 | -168 | -122 |
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| Change in Contract Liabilities Ceded to Reinsurers | 0.09 | 0.08 | -0.11 | 0.13 |
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| Other Expenses | -134 | -105 | -87.9 | -96.0 |
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| Commission Expenses | -42.5 | -32.6 | -34.7 | -37.7 |
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| Service Fees | -3.2 | -2.6 | -2.6 | -2.6 |
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| Other Direct Expenses | -0.58 | -0.45 | 0.00 | 0.00 |
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| Employee Benefits Expenses | -43.5 | -31.0 | -28.4 | -24.3 |
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| Depreciation and Amortization Expenses | -3.8 | -2.3 | -1.8 | -1.7 |
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| Impairment Losses | -0.10 | Not reported | -0.06 | -0.96 |
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| Other Operating Expenses | -40.2 | -35.1 | -20.0 | -28.4 |
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| Finance Cost | -0.27 | -0.43 | -0.31 | -0.43 |
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| Total Expenses | -487 | -403 | -345 | -265 |
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| Profit Before Tax | 59.0 | 63.3 | 45.9 | 21.7 |
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| Net Profit for the Year | 63.4 | 53.7 | 78.9 | 22.0 |
|---|
| Income Tax Expenses | 4.4 | -9.6 | 33.0 | 0.33 |
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SNLI Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Total Assets | 1,840 | 1,425 | 949 | 687 |
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| Goodwill & Intangible Assets | 2.2 | 2.5 | 0.29 | 0.10 |
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| Property and Equipment | 13.4 | 9.9 | 9.6 | 7.0 |
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| Deferred Tax Assets | 26.8 | 24.8 | 33.5 | 2.0 |
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| Investment in Subsidiaries | 0.00 | 0.00 | 0.00 | 0.00 |
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| Investments | 1,531 | 1,143 | 762 | 520 |
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| Loans | 72.8 | 61.0 | 48.3 | 36.3 |
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| Reinsurance Assets | 0.28 | 0.19 | 0.11 | 0.21 |
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| Current Tax Assets | 35.8 | 24.0 | 18.9 | 16.3 |
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| Insurance Receivables | 7.7 | 24.2 | 19.0 | 0.01 |
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| Other Assets | 0.71 | 1.6 | 0.49 | 2.3 |
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| Other Financial Assets | 30.4 | 19.2 | 10.9 | 8.2 |
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| Cash and Cash Equivalent | 119 | 115 | 46.4 | 94.8 |
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| Total Liabilities | 1,046 | 799 | 595 | 465 |
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| Provisions | 0.83 | 0.57 | 0.79 | 1.6 |
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| Gross Insurance Contract Liabilities | 1,000 | 762 | 566 | 386 |
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| Deferred Tax Liabilities | 0.00 | 0.00 | 0.00 | 1.2 |
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| Insurance Payables | 0.00 | 0.00 | 0.00 | 49.3 |
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| Other Liabilities | 9.5 | 13.4 | 10.3 | 10.4 |
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| Other Financial Liabilities | 35.4 | 22.5 | 18.2 | 17.3 |
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| Total Equity | 795 | 626 | 354 | 222 |
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| Share Capital | 501 | 396 | 224 | 140 |
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| Share Application Money Pending Allotment | 0.00 | 0.00 | 0.00 | 21.5 |
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| Share Premium | 125 | 126 | 0.00 | 0.00 |
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| Catastrophe Reserves | 20.5 | 14.6 | 9.3 | 4.7 |
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| Retained Earnings | 113 | 57.1 | 80.8 | 39.5 |
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| Other Equity | 35.7 | 32.5 | 40.0 | 16.1 |
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SNLI Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
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| Opening Cash & Cash Equivalents | 115 | 46.4 | 94.8 | 48.4 |
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| Net Cash Flow from Operating Activities | 184 | 139 | 81.2 | 147 |
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| Gross Premium Received | 454 | 389 | 375 | 270 |
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| Commission / Reinsurance Commission Received | 2.5 | 5.3 | 26.7 | 1.1 |
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| Claim Recovery Received from Reinsurers | 31.2 | 22.5 | 10.3 | 4.8 |
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| Other Direct Income Received | 2.0 | 1.7 | 1.3 | 8.1 |
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| Other Income Received | 0.97 | 0.18 | 3.3 | 0.00 |
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| Gross Benefits and Claims Paid | -159 | -125 | -99.3 | -51.5 |
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| Reinsurance Premium Paid | -4.8 | -48.7 | -145 | 5.9 |
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| Commission Paid | -39.8 | -32.2 | -34.5 | -39.5 |
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| Service Fees Paid | -2.8 | -2.8 | -2.2 | -1.8 |
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| Employee Benefits Expenses Paid | -35.5 | -30.3 | -26.8 | -24.7 |
|---|
| Other Expenses Paid | -47.3 | -37.0 | -23.1 | -22.3 |
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| Income Tax Paid | -16.4 | -2.4 | -4.4 | -3.9 |
|---|
| Net Cash Flow from Investing Activities | -283 | -289 | -190 | -122 |
|---|
| Acquisitions of Intangible Assets | -0.55 | -2.3 | -0.25 | 0.00 |
|---|
| Acquisitions of Property and Equipment | -7.6 | -2.7 | -2.8 | -1.3 |
|---|
| Investment in Subsidiaries | Not reported | Not reported | 0.00 | -10.5 |
|---|
| Purchase of Equity Instruments | -945 | -232 | -101 | -46.9 |
|---|
| Proceeds from Sale of Equity Instruments | 797 | 162 | 17.4 | 17.5 |
|---|
| Purchase of Mutual Funds | -18.5 | -3.0 | -6.0 | 0.00 |
|---|
| Purchase of Debentures | -26.0 | Not reported | 0.00 | -0.90 |
|---|
| Investments in Deposits | -323 | -409 | -429 | -289 |
|---|
| Maturity of Deposits | 159 | 130 | 283 | 178 |
|---|
| Interest Income Received | 88.5 | 84.7 | 60.0 | 42.4 |
|---|
| Dividend Received | 3.9 | 2.9 | 0.38 | 0.00 |
|---|
| Loans Against Insurance Policies | -11.8 | -12.7 | -12.0 | -11.5 |
|---|
| Net Cash Flow from Financing Activities | 103 | 218 | 60.9 | 21.5 |
|---|
| Proceeds from Issue of Share Capital | 105 | 222 | 62.5 | 21.5 |
|---|
| Net Change in Cash | 4.4 | 68.1 | -48.4 | 46.4 |
|---|
| Closing Cash & Cash Equivalents | 119 | 115 | 46.4 | 94.8 |
|---|
SNLI Quarterly Results
Values in Rs. Crore unless stated otherwise.
| Particulars | Q3 2082/83 | Q2 2082/83 | Q1 2082/83 | Q4 2081/82 | Q3 2081/82 | Q2 2081/82 | Q1 2081/82 | Q4 2080/81 |
|---|
| Net Earned Premiums | 113 | 122 | 104 | 98.0 | 116 | 115 | 103 | 96.2 |
|---|
| Gross Earned Premiums | 117 | 127 | 108 | 82.6 | 126 | 130 | 116 | 110 |
|---|
| Premiums Ceded | -3.4 | -4.8 | -4.2 | 15.3 | -9.6 | -14.1 | -12.9 | -13.4 |
|---|
| Other Income | 21.4 | 37.4 | -7.2 | 36.9 | -9.5 | 49.6 | 35.2 | 43.0 |
|---|
| Commission Income | 1.6 | 0.21 | 0.00 | 1.7 | 0.00 | 0.00 | 0.00 | 6.6 |
|---|
| Other Direct Income | 0.69 | 0.73 | 0.55 | 0.53 | 0.53 | 0.52 | 0.39 | 0.36 |
|---|
| Interest Income on Loan to Policyholders | 1.4 | 1.1 | 0.27 | 6.1 | 0.88 | 0.92 | 0.70 | 5.0 |
|---|
| Income from Investments and Loans | 13.8 | 31.4 | 23.5 | 21.3 | 20.0 | 22.2 | 21.7 | 19.8 |
|---|
| Net Gain/(Loss) on Fair Value Changes | 1.4 | 5.3 | -31.5 | -1.9 | -22.7 | 1.4 | 5.7 | 6.0 |
|---|
| Net Realised Gains/(Losses) | 2.4 | -1.4 | -0.02 | 8.8 | -8.3 | 24.5 | 6.4 | 5.0 |
|---|
| Other Income | 0.06 | 0.06 | 0.00 | 0.43 | 0.06 | 0.09 | 0.27 | 0.18 |
|---|
| Total Income | 135 | 160 | 97.0 | 135 | 106 | 165 | 138 | 139 |
|---|
| Net Benefits and Claims Paid | -106 | -117 | -58.9 | -71.5 | -75.4 | -129 | -85.9 | -79.6 |
|---|
| Gross Benefits and Claims Paid | -33.6 | -36.8 | -35.9 | -46.7 | -38.0 | -34.7 | -38.0 | -37.6 |
|---|
| Claims Ceded | 2.9 | 5.0 | 3.7 | 9.0 | 5.4 | 9.8 | 6.6 | 8.4 |
|---|
| Gross Change in Contract Liabilities | -75.7 | -85.5 | -27.1 | -33.8 | -43.1 | -103 | -55.1 | -48.9 |
|---|
| Change in Contract Liabilities Ceded to Reinsurers | -0.10 | 0.18 | 0.46 | -0.12 | 0.21 | -0.59 | 0.59 | -1.5 |
|---|
| Other Expenses | -29.8 | -28.1 | -26.8 | -46.2 | -31.4 | -26.5 | -28.2 | -41.1 |
|---|
| Commission Expenses | -10.8 | -11.7 | -9.1 | -13.8 | -10.0 | -9.8 | -9.0 | -9.7 |
|---|
| Service Fees | -0.85 | -0.92 | -0.78 | -0.73 | -0.87 | -0.87 | -0.77 | -0.72 |
|---|
| Other Direct Expenses | -0.28 | -0.32 | -0.13 | -0.58 | Not reported | Not reported | Not reported | -0.45 |
|---|
| Employee Benefits Expenses | -8.4 | -9.5 | -11.3 | -14.0 | -8.9 | -8.4 | -10.5 | -7.8 |
|---|
| Depreciation and Amortization Expenses | -0.81 | -0.80 | -1.1 | -1.8 | -0.81 | -0.41 | -0.76 | 0.38 |
|---|
| Other Operating Expenses | -8.7 | -4.8 | -4.4 | -15.4 | -10.8 | -7.0 | -7.0 | -22.8 |
|---|
| Finance Cost | 0.01 | 0.01 | -0.05 | 0.06 | -0.11 | -0.11 | -0.11 | Not reported |
|---|
| Total Expenses | -136 | -145 | -85.7 | -118 | -107 | -155 | -114 | -121 |
|---|
| Profit Before Tax | -1.5 | 14.5 | 11.3 | 17.1 | -0.38 | 9.8 | 24.3 | 18.5 |
|---|
| Net Profit for the Year | 6.4 | 5.0 | 19.2 | 16.5 | 5.3 | 9.4 | 23.4 | 15.8 |
|---|
| Income Tax Expenses | 7.9 | -9.5 | 7.9 | -0.66 | 5.7 | -0.41 | -0.97 | -2.7 |
|---|
Sun Nepal Life Insurance share price history
Over the last 15 trading sessions SNLI closed between Rs. 379.80 and Rs. 427.50, finishing at Rs. 427.50 on 2026-09-22 against Rs. 379.80 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 439.90 | 439.90 | 413.10 | 427.50 | 29,801 |
|---|
| 2026-09-18 | 408.00 | 422.00 | 405.00 | 419.00 | 33,694 |
|---|
| 2026-09-17 | 401.00 | 411.00 | 401.00 | 408.00 | 22,761 |
|---|
| 2026-09-16 | 427.30 | 427.30 | 390.00 | 401.60 | 20,299 |
|---|
| 2026-09-15 | 410.00 | 420.00 | 397.00 | 407.00 | 31,361 |
|---|
| 2026-09-14 | 392.00 | 401.00 | 390.00 | 396.80 | 29,251 |
|---|
| 2026-09-11 | 383.40 | 391.90 | 382.00 | 391.90 | 13,099 |
|---|
| 2026-09-10 | 380.00 | 385.90 | 380.00 | 381.00 | 11,836 |
|---|
| 2026-09-09 | 389.00 | 389.00 | 384.00 | 385.00 | 19,369 |
|---|
| 2026-09-07 | 375.00 | 390.00 | 375.00 | 389.00 | 12,332 |
|---|
| 2026-09-03 | 380.00 | 391.00 | 380.00 | 386.30 | 11,828 |
|---|
| 2026-09-02 | 385.00 | 390.00 | 383.00 | 388.00 | 7,412 |
|---|
| 2026-09-01 | 382.20 | 393.00 | 382.20 | 387.60 | 9,077 |
|---|
| 2026-08-31 | 380.00 | 391.00 | 375.00 | 387.60 | 10,890 |
|---|
| 2026-08-26 | 395.00 | 395.00 | 379.10 | 379.80 | 40,370 |
|---|
SNLI share price by year
2026, between Rs. 375.00 and Rs. 514.00, 2025, between Rs. 392.00 and Rs. 578.55, 2024, between Rs. 350.38 and Rs. 551.18 and 2023, between Rs. 260.18 and Rs. 392.05.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 375.00 | 514.00 | 168 |
|---|
| 2025 | 392.00 | 578.55 | 225 |
|---|
| 2024 | 350.38 | 551.18 | 232 |
|---|
| 2023 | 260.18 | 392.05 | 56 |
|---|
Sun Nepal Life Insurance share price returns
At Rs. 427.50 on 2026-09-22, SNLI is up 5.04% over 1 week, up 6.61% over 1 month, down 2.69% over 3 months, down 12.86% over 6 months and up 0.97% 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 | +5.04% | 407.00 | 2026-09-15 |
|---|
| 1 month | +6.61% | 401.00 | 2026-08-21 |
|---|
| 3 months | -2.69% | 439.30 | 2026-06-24 |
|---|
| 6 months | -12.86% | 490.60 | 2026-03-26 |
|---|
| 1 year | +0.97% | 423.39 | 2025-09-21 |
|---|
SNLI floorsheet for 2026-09-22
SNLI traded 343 times on 2026-09-22, moving 29,086 shares for Rs. 1.23 crore of turnover. Trades went through between Rs. 408.70 and Rs. 439.90.
Largest buyers by volume: broker 45, Imperial Securities Co. Limited on 10,784 shares across 58 trades, broker 21, Midas Stock Broking Company Pvt. Limited on 3,037 shares across 23 trades, broker 58, Naasa Securities Co. Ltd. on 2,432 shares across 48 trades, broker 14, Nepal Stock House Pvt. Limited on 1,500 shares across 6 trades, broker 29, Trishul Securities And Investment Limited on 1,200 shares across 14 trades, broker 34, Vision Securities Pvt.Limited on 1,147 shares across 27 trades, broker 69, Index Securities Limited on 1,110 shares across 6 trades, broker 6, Agrawal Securities Pvt. Limited on 1,004 shares across 9 trades, broker 65, Sharepro Securities Private Limited on 1,000 shares across 7 trades and broker 84, Milky Way Share Broker Company Ltd on 999 shares across 20 trades.
Largest sellers by volume: broker 42, Sani Securities Company Limited on 6,582 shares across 39 trades, broker 29, Trishul Securities And Investment Limited on 4,068 shares across 17 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 2,810 shares across 18 trades, broker 34, Vision Securities Pvt.Limited on 1,476 shares across 15 trades, broker 45, Imperial Securities Co. Limited on 1,307 shares across 12 trades, broker 49, Online Securities Limited on 1,132 shares across 21 trades, broker 11, Malla & Malla Stock Broking Company Pvt. Limited on 945 shares across 6 trades, broker 47, Neev Securities Pvt.Ltd on 934 shares across 7 trades, broker 58, Naasa Securities Co. Ltd. on 845 shares across 46 trades and broker 32, Premier Securites Company Limited on 770 shares across 5 trades.
SNLI dividend history: bonus shares and cash dividend
Sun Nepal Life Insurance Company Limited most recently declared a 5% bonus share issue and a 15.2632% cash dividend, 20.2632% in total for 2081/2082, announced on 2025-12-18. 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 | 5% | 15.2632% | 2025-12-18 |
| 2079/2080 | 23.8% | | 2024-05-30 |
For 2081/2082 Sun Nepal Life Insurance Company Limited declared a 5% bonus share issue and a 15.2632% cash dividend, 20.2632% in total, announced on 2025-12-18.
For 2079/2080 Sun Nepal Life Insurance Company Limited declared a 23.8% bonus share issue, announced on 2024-05-30.
SNLI right share issues
Right issues Sun Nepal Life Insurance Company Limited has announced. A right share is offered to existing shareholders in proportion to what they already hold.
- : ratio 1:0.27, opens 2025-05-13, closes 2025-06-17
- : ratio 27%
- 2079/2080: ratio 27%
SNLI general meetings
Annual and special general meetings Sun Nepal Life Insurance Company Limited has called. A dividend is declared by the board and approved at the AGM.
- 9th AGM for 2081/2082: on 2026-01-09, at Amritbhog Caters Pvt. Ltd, Kalikasthan, Kathmandu (10:30 AM)
- 7th AGM for 2079/2080: on 2024-05-22, at Amritbhog Caters Pvt. Ltd, Kalikasthan, Kathmandu (10:00 AM)
- 5th and 6th AGM for 2078/2079: on 2023-04-12, at Yak and Yeti Hotel, Durbarmarg, Kathmandu (4:30 PM)
4 years of annual statements and 8 quarters of results for SNLI, with charts and peer comparison, are free on NepView.
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