Sanima Reliance Life Insurance Limited (SRLI) Share Price & Fundamentals
Sanima Reliance Life Insurance (SRLI) share price is Rs. 378.00, up 0.53% on 2026-09-22. Open Rs. 376.00. High Rs. 383.00. Low Rs. 370.00. Volume 90,509.
Sanima Reliance Life Insurance Limited is a NEPSE-listed company (SRLI), Life Insurance sector. Premium: Rs. 785.41 Crore. Net profit: Rs. 38.39 Crore. Net worth: Rs. 577.39 Crore.
About Sanima Reliance Life Insurance Limited
Sanima Reliance Life Insurance Limited is a NEPSE-listed life insurer based in Naxal, Kathmandu, formed through the merger (joint operation from 2079/12/09) of Sanima Life and Reliance Life Insurance. It offers life insurance products across Nepal.
Sanima Reliance Life Insurance Limited (SRLI) has 5,01,49,241 shares outstanding. It listed on NEPSE in 2079. Its most recent declared dividend was 10.18% on face value.
SRLI key metrics
SRLI strengths
What Sanima Reliance Life Insurance Limited's own accounts show in its favour, graded against the rest of its sector.
- 173% of premiums come from customers renewing, which is steady, repeat income. (Premium Growth & Book Quality)
- The fund set aside for policyholders grew 30.2%, so future claims are better covered. (Reserving & Liability Strength)
- 21.7% of what it owns belongs to shareholders rather than policyholders and lenders. (Solvency)
- Keeps 97.1% of the risk it takes on rather than passing it to another insurer. (Claims & Underwriting)
- Premiums collected grew 15.2% on last year, so the insurer is writing more business. (Premium Growth & Book Quality)
- New policies sold grew 18.8% on last year, so the sales side is working. (Premium Growth & Book Quality)
- The company grew 23.3% bigger over the year. (Shareholder Returns)
- Earns 2.1% a year on everything it owns, so its investments are working well. (Profitability)
- 72.6% of what it owns is set aside to pay policyholders, a strong backing. (Reserving & Liability Strength)
SRLI weaknesses
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
- 91.9% of premiums go out as claims, which leaves little margin on the policies sold. (Claims & Underwriting)
- Holds 1.57x of the required safety capital, close to the 1.5 times the regulator sets. (Solvency)
- Only 4% of income becomes profit once costs are paid. (Profitability)
- The number of live policies moved -20.4%, so the customer base is not growing. (Premium Growth & Book Quality)
- Each share earned only Rs 7.65 of profit over the year. (Shareholder Returns)
- Earns only 9.6% a year on shareholders' money, below what owners would hope for. (Profitability)
- Running costs take 23.3% of premiums, a heavy load on what customers pay in. (Expense Efficiency)
- Only 53.8% of investments are long term, a mismatch against promises lasting decades. (Investment Performance)
- Only 15.7% of income comes from investments, so it depends on premiums alone. (Investment Performance)
- Earns only 7.4% on the money it holds, so those funds are underused. (Investment Performance)
- Agent commissions take 10.4% of premiums, a costly way to win business. (Expense Efficiency)
- The average policy is worth only Rs 14841.06, so premiums per customer are small. (Premium Growth & Book Quality)
SRLI Q4 2082/83 results
In Q4 2082/83 Sanima Reliance Life Insurance Limited reported profit of Rs. 4.3 crore and net earned premiums of Rs. 253.65 crore. Profit in Q3 2082/83 was Rs. 6.47 crore. Profit fell 33.50% on the previous quarter. Net earned premiums grew 44.01% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 3.98 crore. Profit grew 7.96% on the same quarter last year. Net earned premiums grew 20.27% on the same quarter last year.
SRLI annual results 2082/83
For the financial year 2082/83 Sanima Reliance Life Insurance Limited reported net profit of Rs. 38.39 crore, net earned premiums of Rs. 785.41 crore and net worth of Rs. 577.39 crore. Net profit in 2081/82 was Rs. 55.7 crore. Net profit fell 31.08% on the year. Net earned premiums grew 15.17% on the year.
SRLI profit and loss for 2082/83
In the financial year 2082/83, Sanima Reliance Life Insurance Limited reported net earned premiums of Rs. 785.41 crore, other income of Rs. 174.91 crore, total income of Rs. 960.32 crore, net benefits and claims paid of Rs. 721.75 crore, other expenses of Rs. 200.32 crore, total expenses of Rs. 922.29 crore, profit before tax of Rs. 38.03 crore and net profit for the year of Rs. 38.39 crore.
Reported under net earned premiums: gross earned premiums of Rs. 809.06 crore and premiums ceded of Rs. 23.65 crore. Reported under other income: other direct income of Rs. 2.36 crore, interest income on loan to policyholders of Rs. 11.55 crore, income from investments and loans of Rs. 150.65 crore, net realised gains/(losses) of Rs. 10.33 crore and other income of Rs. 0.02 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 157.06 crore, claims ceded of Rs. 25.12 crore, gross change in contract liabilities of Rs. 589.71 crore and change in contract liabilities ceded to reinsurers of Rs. 0.11 crore. Reported under other expenses: commission expenses of Rs. 82.06 crore, service fees of Rs. 5.89 crore, employee benefits expenses of Rs. 49.5 crore, depreciation and amortization expenses of Rs. 7.88 crore, other operating expenses of Rs. 51.41 crore and finance cost of Rs. 3.58 crore. Reported under net profit for the year: income tax expenses of Rs. 0.36 crore.
SRLI profit and loss for 2081/82
In the financial year 2081/82, Sanima Reliance Life Insurance Limited reported net earned premiums of Rs. 681.98 crore, other income of Rs. 199.93 crore, total income of Rs. 881.91 crore, net benefits and claims paid of Rs. 645.89 crore, other expenses of Rs. 180.47 crore, total expenses of Rs. 826.36 crore, profit before tax of Rs. 55.55 crore and net profit for the year of Rs. 55.7 crore.
Reported under net earned premiums: gross earned premiums of Rs. 707.73 crore and premiums ceded of Rs. 25.75 crore. Reported under other income: commission income of Rs. 0 crore, other direct income of Rs. 1.74 crore, interest income on loan to policyholders of Rs. 12.58 crore, income from investments and loans of Rs. 158.03 crore, net realised gains/(losses) of Rs. 21.17 crore and other income of Rs. 6.4 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 177.95 crore, claims ceded of Rs. 36.3 crore, gross change in contract liabilities of Rs. 503.9 crore and change in contract liabilities ceded to reinsurers of Rs. 0.35 crore. Reported under other expenses: commission expenses of Rs. 71.87 crore, service fees of Rs. 5.11 crore, employee benefits expenses of Rs. 46.6 crore, depreciation and amortization expenses of Rs. 8.76 crore, impairment losses of Rs. 0.14 crore, other operating expenses of Rs. 45.18 crore and finance cost of Rs. 3.09 crore. Reported under net profit for the year: income tax expenses of Rs. 0.15 crore.
SRLI profit and loss for 2080/81
In the financial year 2080/81, Sanima Reliance Life Insurance Limited reported net earned premiums of Rs. 590.63 crore, other income of Rs. 171.9 crore, total income of Rs. 762.53 crore, net benefits and claims paid of Rs. 547.02 crore, other expenses of Rs. 165.69 crore, total expenses of Rs. 712.71 crore, profit before tax of Rs. 49.82 crore and net profit for the year of Rs. 50.46 crore.
Reported under net earned premiums: gross earned premiums of Rs. 618.58 crore and premiums ceded of Rs. 27.95 crore. Reported under other income: commission income of Rs. 0 crore, other direct income of Rs. 1.52 crore, interest income on loan to policyholders of Rs. 14.67 crore, income from investments and loans of Rs. 155.55 crore, net realised gains/(losses) of Rs. 0.11 crore and other income of Rs. 0.05 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 201 crore, claims ceded of Rs. 35.41 crore, gross change in contract liabilities of Rs. 379.59 crore and change in contract liabilities ceded to reinsurers of Rs. 1.85 crore. Reported under other expenses: commission expenses of Rs. 65.31 crore, service fees of Rs. 4.34 crore, employee benefits expenses of Rs. 44.73 crore, depreciation and amortization expenses of Rs. 9.75 crore, impairment losses of Rs. 2.05 crore, other operating expenses of Rs. 39.87 crore and finance cost of Rs. 3.74 crore. Reported under net profit for the year: income tax expenses of Rs. 0.64 crore.
SRLI balance sheet for 2081/82
In the financial year 2081/82, Sanima Reliance Life Insurance Limited reported total assets of Rs. 2,657.33 crore, total liabilities of Rs. 2,079.94 crore and total equity of Rs. 577.39 crore.
Reported under total assets: goodwill & intangible assets of Rs. 3.66 crore, property and equipment of Rs. 42.17 crore, deferred tax assets of Rs. 1.54 crore, investments of Rs. 2,125.56 crore, loans of Rs. 162.72 crore, reinsurance assets of Rs. 0.62 crore, current tax assets of Rs. 60.56 crore, insurance receivables of Rs. 21.62 crore, other assets of Rs. 53.76 crore, other financial assets of Rs. 38 crore and cash and cash equivalent of Rs. 147.12 crore. Reported under total liabilities: provisions of Rs. 3.83 crore, gross insurance contract liabilities of Rs. 1,962.87 crore, insurance payables of Rs. 0.01 crore, other liabilities of Rs. 67.86 crore and other financial liabilities of Rs. 45.38 crore. Reported under total equity: share capital of Rs. 501.49 crore, catastrophe reserves of Rs. 14.79 crore, retained earnings of Rs. 53.28 crore and other equity of Rs. 7.83 crore.
SRLI balance sheet for 2080/81
In the financial year 2080/81, Sanima Reliance Life Insurance Limited reported total assets of Rs. 2,154.37 crore, total liabilities of Rs. 1,592.47 crore and total equity of Rs. 561.9 crore.
Reported under total assets: goodwill & intangible assets of Rs. 3.69 crore, property and equipment of Rs. 40.46 crore, deferred tax assets of Rs. 0.88 crore, investments of Rs. 1,842.8 crore, loans of Rs. 125.59 crore, reinsurance assets of Rs. 0.97 crore, current tax assets of Rs. 47.22 crore, insurance receivables of Rs. 2.87 crore, other assets of Rs. 12.87 crore, other financial assets of Rs. 20.21 crore and cash and cash equivalent of Rs. 56.81 crore. Reported under total liabilities: provisions of Rs. 3.82 crore, gross insurance contract liabilities of Rs. 1,460.36 crore, insurance payables of Rs. 0.01 crore, other liabilities of Rs. 88.17 crore and other financial liabilities of Rs. 40.1 crore. Reported under total equity: share capital of Rs. 418.4 crore, catastrophe reserves of Rs. 12.01 crore, retained earnings of Rs. 124.23 crore and other equity of Rs. 7.26 crore.
SRLI balance sheet for 2079/80
In the financial year 2079/80, Sanima Reliance Life Insurance Limited reported total assets of Rs. 849.82 crore, total liabilities of Rs. 598.89 crore and total equity of Rs. 250.93 crore.
Reported under total assets: goodwill & intangible assets of Rs. 0.42 crore, property and equipment of Rs. 23.94 crore, deferred tax assets of Rs. 1.42 crore, investments of Rs. 701.1 crore, loans of Rs. 70.96 crore, reinsurance assets of Rs. 0 crore, current tax assets of Rs. 18.24 crore, insurance receivables of Rs. 2.11 crore, other assets of Rs. 5.72 crore, other financial assets of Rs. 7.96 crore and cash and cash equivalent of Rs. 17.96 crore. Reported under total liabilities: provisions of Rs. 0.85 crore, gross insurance contract liabilities of Rs. 526.11 crore, insurance payables of Rs. 0.49 crore, other liabilities of Rs. 58.82 crore and other financial liabilities of Rs. 12.62 crore. Reported under total equity: share capital of Rs. 210 crore, catastrophe reserves of Rs. 4.95 crore, retained earnings of Rs. 35.31 crore and other equity of Rs. 0.68 crore.
SRLI cash flow for 2081/82
In the financial year 2081/82, Sanima Reliance Life Insurance Limited reported opening cash & cash equivalents of Rs. 56.81 crore, net cash flow from operating activities of Rs. 311.22 crore, net cash flow from investing activities of Rs. 180.87 crore, net cash flow from financing activities of Rs. 40.04 crore, net change in cash of Rs. 90.31 crore and closing cash & cash equivalents of Rs. 147.12 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 707.73 crore, commission / reinsurance commission received of Rs. 0 crore, claim recovery received from reinsurers of Rs. 36.3 crore, other direct income received of Rs. 1.74 crore, other income received of Rs. 6.4 crore, gross benefits and claims paid of Rs. 177.95 crore, reinsurance premium paid of Rs. 25.75 crore, commission paid of Rs. 73.07 crore, service fees paid of Rs. 7.96 crore, employee benefits expenses paid of Rs. 49.55 crore, other expenses paid of Rs. 106.69 crore and income tax paid of Rs. 0 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. 1.78 crore, purchase of equity instruments of Rs. 80.67 crore, proceeds from sale of equity instruments of Rs. 21.17 crore, purchase of mutual funds of Rs. 7.44 crore, purchase of debentures of Rs. 116.84 crore, investments in deposits of Rs. 129.86 crore, interest income received of Rs. 169.49 crore, dividend received of Rs. 1.12 crore and loans against insurance policies of Rs. 37.14 crore. Reported under net cash flow from financing activities: dividend paid of Rs. 39.62 crore.
SRLI cash flow for 2080/81
In the financial year 2080/81, Sanima Reliance Life Insurance Limited reported opening cash & cash equivalents of Rs. 57.11 crore, net cash flow from operating activities of Rs. 245.56 crore, net cash flow from investing activities of Rs. 245.86 crore, net cash flow from financing activities of Rs. 0 crore, net change in cash of Rs. 0.3 crore and closing cash & cash equivalents of Rs. 56.81 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 618.58 crore, commission / reinsurance commission received of Rs. 0 crore, claim recovery received from reinsurers of Rs. 35.41 crore, other direct income received of Rs. 1.52 crore, other income received of Rs. 0.05 crore, gross benefits and claims paid of Rs. 201 crore, reinsurance premium paid of Rs. 31.69 crore, commission paid of Rs. 64.8 crore, service fees paid of Rs. 4.37 crore, employee benefits expenses paid of Rs. 42.35 crore, other expenses paid of Rs. 65.8 crore and income tax paid of Rs. 0 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. 0.71 crore, purchase of equity instruments of Rs. 84.09 crore, proceeds from sale of equity instruments of Rs. 0.11 crore, purchase of mutual funds of Rs. 1.31 crore, purchase of debentures of Rs. 67.64 crore, investments in deposits of Rs. 252.27 crore, maturity of deposits of Rs. 0 crore, interest income received of Rs. 170.02 crore, dividend received of Rs. 0.19 crore and loans against insurance policies of Rs. 10.13 crore. Reported under net cash flow from financing activities: interest paid of Rs. 0 crore, proceeds from borrowings of Rs. 0 crore, proceeds from issue of share capital of Rs. 0 crore and dividend paid of Rs. 0 crore.
SRLI cash flow for 2079/80
In the financial year 2079/80, Sanima Reliance Life Insurance Limited reported opening cash & cash equivalents of Rs. 44.77 crore, net cash flow from operating activities of Rs. 163.9 crore, net cash flow from investing activities of Rs. 94.89 crore, net cash flow from financing activities of Rs. 0 crore, net change in cash of Rs. 69.02 crore and closing cash & cash equivalents of Rs. 17.96 crore.
Reported under net cash flow from operating activities: gross premium received of Rs. 355.19 crore, commission / reinsurance commission received of Rs. 0 crore, claim recovery received from reinsurers of Rs. 10.93 crore, other direct income received of Rs. 1.11 crore, other income received of Rs. 0.09 crore, gross benefits and claims paid of Rs. 104.49 crore, reinsurance premium paid of Rs. 15.21 crore, commission paid of Rs. 35.36 crore, service fees paid of Rs. 2.25 crore, employee benefits expenses paid of Rs. 26.84 crore, other expenses paid of Rs. 18.94 crore and income tax paid of Rs. 0.33 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.01 crore, acquisitions of property and equipment of Rs. 1.94 crore, purchase of equity instruments of Rs. 13.68 crore, proceeds from sale of equity instruments of Rs. 0.12 crore, purchase of mutual funds of Rs. 1.04 crore, purchase of debentures of Rs. 30.75 crore, investments in deposits of Rs. 293.27 crore, maturity of deposits of Rs. 205.25 crore, interest income received of Rs. 43.97 crore, dividend received of Rs. 0.13 crore and loans against insurance policies of Rs. 17.02 crore. Reported under net cash flow from financing activities: interest paid of Rs. 0 crore, proceeds from borrowings of Rs. 0 crore, proceeds from issue of share capital of Rs. 0 crore and dividend paid of Rs. 0 crore.
SRLI quarterly for Q4 2082/83
In the quarter Q4 2082/83, Sanima Reliance Life Insurance Limited reported net earned premiums of Rs. 253.65 crore, other income of Rs. 43.91 crore, total income of Rs. 297.56 crore, net benefits and claims paid of Rs. 221.68 crore, other expenses of Rs. 71.7 crore, total expenses of Rs. 293.38 crore, profit before tax of Rs. 4.18 crore and net profit for the year of Rs. 4.3 crore.
Reported under net earned premiums: gross earned premiums of Rs. 259.44 crore and premiums ceded of Rs. 5.79 crore. Reported under other income: other direct income of Rs. 0.67 crore, interest income on loan to policyholders of Rs. 2.93 crore, income from investments and loans of Rs. 37.01 crore, net realised gains/(losses) of Rs. 3.33 crore and other income of Rs. 0.02 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 41.13 crore, claims ceded of Rs. 7.01 crore, gross change in contract liabilities of Rs. 186.49 crore and change in contract liabilities ceded to reinsurers of Rs. 1.07 crore. Reported under other expenses: commission expenses of Rs. 27.96 crore, service fees of Rs. 1.9 crore, other direct expenses of Rs. 0.22 crore, employee benefits expenses of Rs. 12.47 crore, depreciation and amortization expenses of Rs. 1.88 crore, other operating expenses of Rs. 26.11 crore and finance cost of Rs. 1.17 crore. Reported under net profit for the year: income tax expenses of Rs. 0.12 crore.
SRLI quarterly for Q3 2082/83
In the quarter Q3 2082/83, Sanima Reliance Life Insurance Limited reported net earned premiums of Rs. 176.14 crore, other income of Rs. 42.4 crore, total income of Rs. 218.53 crore, net benefits and claims paid of Rs. 165.07 crore, other expenses of Rs. 47.05 crore, total expenses of Rs. 212.12 crore, profit before tax of Rs. 6.41 crore and net profit for the year of Rs. 6.47 crore.
Reported under net earned premiums: gross earned premiums of Rs. 180.81 crore and premiums ceded of Rs. 4.67 crore. Reported under other income: other direct income of Rs. 0.64 crore, interest income on loan to policyholders of Rs. 1.8 crore, income from investments and loans of Rs. 36.05 crore, net realised gains/(losses) of Rs. 3.88 crore and other income of Rs. 0.02 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 36.8 crore, claims ceded of Rs. 6.47 crore, gross change in contract liabilities of Rs. 135.35 crore and change in contract liabilities ceded to reinsurers of Rs. 0.62 crore. Reported under other expenses: commission expenses of Rs. 17.22 crore, service fees of Rs. 1.32 crore, employee benefits expenses of Rs. 11.75 crore, depreciation and amortization expenses of Rs. 1.97 crore, other operating expenses of Rs. 13.99 crore and finance cost of Rs. 0.8 crore. Reported under net profit for the year: income tax expenses of Rs. 0.05 crore.
SRLI quarterly for Q2 2082/83
In the quarter Q2 2082/83, Sanima Reliance Life Insurance Limited reported net earned premiums of Rs. 177.41 crore, other income of Rs. 41.81 crore, total income of Rs. 219.22 crore, net benefits and claims paid of Rs. 164.89 crore, other expenses of Rs. 41.77 crore, total expenses of Rs. 206.66 crore, profit before tax of Rs. 12.57 crore and net profit for the year of Rs. 12.66 crore.
Reported under net earned premiums: gross earned premiums of Rs. 184.18 crore and premiums ceded of Rs. 6.77 crore. Reported under other income: other direct income of Rs. 0.53 crore, interest income on loan to policyholders of Rs. 2.87 crore, income from investments and loans of Rs. 37.81 crore, net realised gains/(losses) of Rs. 0.59 crore and other income of Rs. 0.01 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 39.15 crore, claims ceded of Rs. 6.25 crore, gross change in contract liabilities of Rs. 131.92 crore and change in contract liabilities ceded to reinsurers of Rs. 0.07 crore. Reported under other expenses: commission expenses of Rs. 19.77 crore, service fees of Rs. 1.33 crore, employee benefits expenses of Rs. 11.61 crore, depreciation and amortization expenses of Rs. 2 crore, other operating expenses of Rs. 6.26 crore and finance cost of Rs. 0.8 crore. Reported under net profit for the year: income tax expenses of Rs. 0.09 crore.
SRLI quarterly for Q1 2082/83
In the quarter Q1 2082/83, Sanima Reliance Life Insurance Limited reported net earned premiums of Rs. 178.21 crore, other income of Rs. 46.79 crore, total income of Rs. 225 crore, net benefits and claims paid of Rs. 170.11 crore, other expenses of Rs. 40.02 crore, total expenses of Rs. 210.13 crore, profit before tax of Rs. 14.87 crore and net profit for the year of Rs. 14.96 crore.
Reported under net earned premiums: gross earned premiums of Rs. 184.64 crore and premiums ceded of Rs. 6.42 crore. Reported under other income: other direct income of Rs. 0.52 crore, interest income on loan to policyholders of Rs. 3.95 crore, income from investments and loans of Rs. 39.78 crore, net realised gains/(losses) of Rs. 2.52 crore and other income of Rs. 0.01 crore. Reported under net benefits and claims paid: gross benefits and claims paid of Rs. 39.97 crore, claims ceded of Rs. 5.4 crore, gross change in contract liabilities of Rs. 135.95 crore and change in contract liabilities ceded to reinsurers of Rs. 0.42 crore. Reported under other expenses: commission expenses of Rs. 17.12 crore, service fees of Rs. 1.34 crore, employee benefits expenses of Rs. 13.68 crore, depreciation and amortization expenses of Rs. 2.03 crore, other operating expenses of Rs. 5.06 crore and finance cost of Rs. 0.8 crore. Reported under net profit for the year: income tax expenses of Rs. 0.09 crore.
SRLI Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 | 2077/78 |
|---|
| Net Earned Premiums | 785 | 682 | 591 | 196 | 250 |
|---|
| Gross Earned Premiums | 809 | 708 | 619 | 210 | 259 |
|---|
| Premiums Ceded | -23.7 | -25.8 | -27.9 | -13.5 | -9.0 |
|---|
| Other Income | 175 | 200 | 172 | 48.1 | 37.7 |
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| Commission Income | Not reported | 0.00 | 0.00 | 0.00 | 0.00 |
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| Other Direct Income | 2.4 | 1.7 | 1.5 | 0.64 | 0.31 |
|---|
| Interest Income on Loan to Policyholders | 11.6 | 12.6 | 14.7 | 4.4 | 1.9 |
|---|
| Income from Investments and Loans | 151 | 158 | 156 | 42.9 | 33.2 |
|---|
| Net Realised Gains/(Losses) | 10.3 | 21.2 | 0.11 | -0.01 | 1.9 |
|---|
| Other Income | 0.02 | 6.4 | 0.05 | 0.16 | 0.34 |
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| Total Income | 960 | 882 | 763 | 244 | 288 |
|---|
| Net Benefits and Claims Paid | -722 | -646 | -547 | -178 | -177 |
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| Gross Benefits and Claims Paid | -157 | -178 | -201 | -87.0 | -36.2 |
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| Claims Ceded | 25.1 | 36.3 | 35.4 | 15.9 | 3.5 |
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| Gross Change in Contract Liabilities | -590 | -504 | -380 | -107 | -144 |
|---|
| Change in Contract Liabilities Ceded to Reinsurers | -0.11 | -0.35 | -1.8 | 0.00 | 0.00 |
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| Other Expenses | -200 | -180 | -166 | -57.9 | -99.9 |
|---|
| Commission Expenses | -82.1 | -71.9 | -65.3 | -25.3 | -41.7 |
|---|
| Service Fees | -5.9 | -5.1 | -4.3 | -1.7 | -2.5 |
|---|
| Employee Benefits Expenses | -49.5 | -46.6 | -44.7 | -15.8 | -20.2 |
|---|
| Depreciation and Amortization Expenses | -7.9 | -8.8 | -9.7 | -3.4 | -1.5 |
|---|
| Impairment Losses | Not reported | 0.14 | 2.0 | -0.56 | -0.07 |
|---|
| Other Operating Expenses | -51.4 | -45.2 | -39.9 | -9.2 | -33.7 |
|---|
| Finance Cost | -3.6 | -3.1 | -3.7 | -2.0 | -0.18 |
|---|
| Total Expenses | -922 | -826 | -713 | -236 | -277 |
|---|
| Profit Before Tax | 38.0 | 55.6 | 49.8 | 8.4 | 10.7 |
|---|
| Net Profit for the Year | 38.4 | 55.7 | 50.5 | 8.9 | 10.9 |
|---|
| Income Tax Expenses | 0.36 | 0.15 | 0.64 | 0.42 | 0.20 |
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SRLI Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2077/78 |
|---|
| Total Assets | 2,657 | 2,154 | 850 | 529 |
|---|
| Goodwill & Intangible Assets | 3.7 | 3.7 | 0.42 | 0.48 |
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| Property and Equipment | 42.2 | 40.5 | 23.9 | 6.7 |
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| Deferred Tax Assets | 1.5 | 0.88 | 1.4 | 0.33 |
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| Investments | 2,126 | 1,843 | 701 | 420 |
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| Loans | 163 | 126 | 71.0 | 29.1 |
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| Reinsurance Assets | 0.62 | 0.97 | 0.00 | 0.00 |
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| Current Tax Assets | 60.6 | 47.2 | 18.2 | 11.7 |
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| Insurance Receivables | 21.6 | 2.9 | 2.1 | 0.97 |
|---|
| Other Assets | 53.8 | 12.9 | 5.7 | 18.1 |
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| Other Financial Assets | 38.0 | 20.2 | 8.0 | 10.4 |
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| Cash and Cash Equivalent | 147 | 56.8 | 18.0 | 31.5 |
|---|
| Total Liabilities | 2,080 | 1,592 | 599 | 292 |
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| Provisions | 3.8 | 3.8 | 0.85 | 0.55 |
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| Gross Insurance Contract Liabilities | 1,963 | 1,460 | 526 | 263 |
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| Insurance Payables | 0.01 | 0.01 | 0.49 | 0.02 |
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| Other Liabilities | 67.9 | 88.2 | 58.8 | 12.8 |
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| Other Financial Liabilities | 45.4 | 40.1 | 12.6 | 15.5 |
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| Total Equity | 577 | 562 | 251 | 237 |
|---|
| Share Capital | 501 | 418 | 210 | 210 |
|---|
| Catastrophe Reserves | 14.8 | 12.0 | 4.9 | 2.8 |
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| Retained Earnings | 53.3 | 124 | 35.3 | 22.9 |
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| Other Equity | 7.8 | 7.3 | 0.68 | 1.8 |
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SRLI Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2077/78 |
|---|
| Opening Cash & Cash Equivalents | 56.8 | 57.1 | 44.8 | 53.5 |
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| Net Cash Flow from Operating Activities | 311 | 246 | 164 | 99.2 |
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| Gross Premium Received | 708 | 619 | 355 | 263 |
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| Commission / Reinsurance Commission Received | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Claim Recovery Received from Reinsurers | 36.3 | 35.4 | 10.9 | 3.5 |
|---|
| Other Direct Income Received | 1.7 | 1.5 | 1.1 | 0.31 |
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| Other Income Received | 6.4 | 0.05 | 0.09 | 0.34 |
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| Gross Benefits and Claims Paid | -178 | -201 | -104 | -36.2 |
|---|
| Reinsurance Premium Paid | -25.8 | -31.7 | -15.2 | -9.0 |
|---|
| Commission Paid | -73.1 | -64.8 | -35.4 | -41.7 |
|---|
| Service Fees Paid | -8.0 | -4.4 | -2.3 | -2.5 |
|---|
| Employee Benefits Expenses Paid | -49.6 | -42.4 | -26.8 | -20.1 |
|---|
| Other Expenses Paid | -107 | -65.8 | -18.9 | -53.9 |
|---|
| Income Tax Paid | 0.00 | 0.00 | -0.33 | -4.7 |
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| Net Cash Flow from Investing Activities | -181 | -246 | -94.9 | -183 |
|---|
| Acquisitions of Intangible Assets | -0.03 | -0.03 | -0.01 | -0.05 |
|---|
| Acquisitions of Property and Equipment | -1.8 | -0.71 | -1.9 | -0.47 |
|---|
| Purchase of Equity Instruments | -80.7 | -84.1 | -13.7 | 0.00 |
|---|
| Proceeds from Sale of Equity Instruments | 21.2 | 0.11 | -0.12 | 0.92 |
|---|
| Purchase of Mutual Funds | -7.4 | -1.3 | -1.0 | -0.20 |
|---|
| Purchase of Debentures | -117 | -67.6 | -30.8 | -59.9 |
|---|
| Investments in Deposits | -130 | -252 | -293 | -146 |
|---|
| Maturity of Deposits | Not reported | 0.00 | 205 | 0.00 |
|---|
| Interest Income Received | 169 | 170 | 44.0 | 35.1 |
|---|
| Dividend Received | 1.1 | 0.19 | 0.13 | 0.01 |
|---|
| Loans Against Insurance Policies | -37.1 | -10.1 | -17.0 | -12.6 |
|---|
| Net Cash Flow from Financing Activities | -40.0 | 0.00 | 0.00 | 61.6 |
|---|
| Interest Paid | Not reported | 0.00 | 0.00 | -0.18 |
|---|
| Proceeds from Borrowings | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Proceeds from Issue of Share Capital | Not reported | 0.00 | 0.00 | 63.0 |
|---|
| Dividend Paid | -39.6 | 0.00 | 0.00 | 0.00 |
|---|
| Net Change in Cash | 90.3 | -0.30 | 69.0 | -22.1 |
|---|
| Closing Cash & Cash Equivalents | 147 | 56.8 | 18.0 | 31.5 |
|---|
SRLI Quarterly Results
Values in Rs. Crore unless stated otherwise.
| Particulars | Q4 2082/83 | Q3 2082/83 | Q2 2082/83 | Q1 2082/83 | Q4 2081/82 | Q3 2081/82 | Q2 2081/82 | Q1 2081/82 | Q4 2080/81 |
|---|
| Net Earned Premiums | 254 | 176 | 177 | 178 | 211 | 154 | 161 | 150 | 185 |
|---|
| Gross Earned Premiums | 259 | 181 | 184 | 185 | 221 | 160 | 164 | 156 | 191 |
|---|
| Premiums Ceded | -5.8 | -4.7 | -6.8 | -6.4 | -9.8 | -5.5 | -3.0 | -6.1 | -6.1 |
|---|
| Other Income | 43.9 | 42.4 | 41.8 | 46.8 | 45.9 | 46.8 | 41.3 | 59.1 | 44.9 |
|---|
| Other Direct Income | 0.67 | 0.64 | 0.53 | 0.52 | 0.48 | 0.44 | 0.35 | 0.48 | 0.29 |
|---|
| Interest Income on Loan to Policyholders | 2.9 | 1.8 | 2.9 | 4.0 | 2.7 | 5.0 | 1.7 | 2.8 | 2.3 |
|---|
| Income from Investments and Loans | 37.0 | 36.1 | 37.8 | 39.8 | 38.9 | 39.5 | 37.4 | 41.8 | 42.2 |
|---|
| Net Realised Gains/(Losses) | 3.3 | 3.9 | 0.59 | 2.5 | 3.8 | 1.9 | 1.5 | 13.9 | 0.07 |
|---|
| Other Income | -0.02 | 0.02 | 0.01 | 0.01 | 0.02 | 0.02 | 0.20 | 0.06 | 0.00 |
|---|
| Total Income | 298 | 219 | 219 | 225 | 257 | 201 | 202 | 209 | 230 |
|---|
| Net Benefits and Claims Paid | -222 | -165 | -165 | -170 | -185 | -152 | -157 | -161 | -171 |
|---|
| Gross Benefits and Claims Paid | -41.1 | -36.8 | -39.2 | -40.0 | -47.4 | -39.9 | -43.3 | -46.5 | -56.8 |
|---|
| Claims Ceded | 7.0 | 6.5 | 6.2 | 5.4 | 10.2 | 9.3 | 7.9 | 8.8 | 13.3 |
|---|
| Gross Change in Contract Liabilities | -186 | -135 | -132 | -136 | -146 | -122 | -122 | -123 | -126 |
|---|
| Change in Contract Liabilities Ceded to Reinsurers | -1.1 | 0.62 | -0.07 | 0.42 | -0.96 | 0.02 | 0.56 | 0.03 | -1.8 |
|---|
| Other Expenses | -71.7 | -47.1 | -41.8 | -40.0 | -68.5 | -38.0 | -35.3 | -35.8 | -54.4 |
|---|
| Commission Expenses | -28.0 | -17.2 | -19.8 | -17.1 | -25.0 | -15.8 | -16.1 | -15.0 | -22.0 |
|---|
| Service Fees | -1.9 | -1.3 | -1.3 | -1.3 | -1.6 | -1.2 | -1.2 | -1.1 | -1.5 |
|---|
| Other Direct Expenses | -0.22 | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | -0.03 |
|---|
| Employee Benefits Expenses | -12.5 | -11.7 | -11.6 | -13.7 | -9.9 | -11.2 | -10.4 | -12.7 | -2.0 |
|---|
| Depreciation and Amortization Expenses | -1.9 | -2.0 | -2.0 | -2.0 | -2.2 | -2.2 | -2.1 | -2.3 | -3.1 |
|---|
| Impairment Losses | Not reported | Not reported | Not reported | Not reported | 0.15 | Not reported | Not reported | Not reported | Not reported |
|---|
| Other Operating Expenses | -26.1 | -14.0 | -6.3 | -5.1 | -28.8 | -6.8 | -4.9 | -3.9 | -24.7 |
|---|
| Finance Cost | -1.2 | -0.80 | -0.80 | -0.80 | -1.1 | -0.75 | -0.75 | -0.75 | -1.1 |
|---|
| Total Expenses | -293 | -212 | -207 | -210 | -253 | -190 | -192 | -196 | -225 |
|---|
| Profit Before Tax | 4.2 | 6.4 | 12.6 | 14.9 | 3.8 | 10.5 | 9.8 | 13.2 | 4.5 |
|---|
| Net Profit for the Year | 4.3 | 6.5 | 12.7 | 15.0 | 4.0 | 10.6 | 9.9 | 13.3 | 4.6 |
|---|
| Income Tax Expenses | 0.12 | 0.05 | 0.09 | 0.09 | 0.22 | 0.09 | 0.06 | 0.06 | 0.08 |
|---|
Sanima Reliance Life Insurance share price history
Over the last 15 trading sessions SRLI closed between Rs. 353.00 and Rs. 378.00, finishing at Rs. 378.00 on 2026-09-22 against Rs. 357.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 376.00 | 383.00 | 370.00 | 378.00 | 90,509 |
|---|
| 2026-09-18 | 368.20 | 379.00 | 368.20 | 376.00 | 51,652 |
|---|
| 2026-09-17 | 365.10 | 374.30 | 365.10 | 371.00 | 15,831 |
|---|
| 2026-09-16 | 365.10 | 372.00 | 356.00 | 368.00 | 20,792 |
|---|
| 2026-09-15 | 379.00 | 379.00 | 365.40 | 371.50 | 41,888 |
|---|
| 2026-09-14 | 357.10 | 365.00 | 355.80 | 361.10 | 15,666 |
|---|
| 2026-09-11 | 355.00 | 357.00 | 350.80 | 357.00 | 7,310 |
|---|
| 2026-09-10 | 351.10 | 359.70 | 350.10 | 355.00 | 10,321 |
|---|
| 2026-09-09 | 351.40 | 357.90 | 351.40 | 355.00 | 5,002 |
|---|
| 2026-09-07 | 366.00 | 366.00 | 349.60 | 355.00 | 10,669 |
|---|
| 2026-09-03 | 352.00 | 358.50 | 350.00 | 355.20 | 13,933 |
|---|
| 2026-09-02 | 351.00 | 356.00 | 348.00 | 353.50 | 21,852 |
|---|
| 2026-09-01 | 351.30 | 357.50 | 351.20 | 353.00 | 10,317 |
|---|
| 2026-08-31 | 357.30 | 358.00 | 350.00 | 354.70 | 20,451 |
|---|
| 2026-08-26 | 364.10 | 364.10 | 355.30 | 357.00 | 40,937 |
|---|
SRLI share price by year
2026, between Rs. 348.00 and Rs. 437.70, 2025, between Rs. 363.90 and Rs. 474.08, 2024, between Rs. 343.82 and Rs. 545.64 and 2023, between Rs. 324.55 and Rs. 517.19.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 348.00 | 437.70 | 168 |
|---|
| 2025 | 363.90 | 474.08 | 225 |
|---|
| 2024 | 343.82 | 545.64 | 232 |
|---|
| 2023 | 324.55 | 517.19 | 138 |
|---|
Sanima Reliance Life Insurance share price returns
At Rs. 378.00 on 2026-09-22, SRLI is up 1.75% over 1 week, up 2.58% over 1 month, down 2.05% over 3 months, down 9.22% over 6 months and down 1.72% 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 | +1.75% | 371.50 | 2026-09-15 |
|---|
| 1 month | +2.58% | 368.50 | 2026-08-21 |
|---|
| 3 months | -2.05% | 385.90 | 2026-06-24 |
|---|
| 6 months | -9.22% | 416.40 | 2026-03-26 |
|---|
| 1 year | -1.72% | 384.61 | 2025-09-21 |
|---|
SRLI floorsheet for 2026-09-22
SRLI traded 338 times on 2026-09-22, moving 89,296 shares for Rs. 3.34 crore of turnover. Trades went through between Rs. 363.00 and Rs. 383.00.
Largest buyers by volume: broker 62, Capital Max Securities Limited on 21,551 shares across 43 trades, broker 45, Imperial Securities Co. Limited on 11,526 shares across 36 trades, broker 88, Blue Chip Securities Ltd on 9,544 shares across 19 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 8,685 shares across 19 trades, broker 17, ABC Securities Pvt. Limited on 4,040 shares across 10 trades, broker 29, Trishul Securities And Investment Limited on 3,420 shares across 14 trades, broker 16, Primo Securities Pvt. Limited on 2,700 shares across 5 trades, broker 58, Naasa Securities Co. Ltd. on 2,596 shares across 20 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 2,250 shares across 10 trades and broker 36, Secured Securities Limited on 2,030 shares across 2 trades.
Largest sellers by volume: broker 17, ABC Securities Pvt. Limited on 63,938 shares across 138 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 7,456 shares across 19 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 3,391 shares across 4 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 3,149 shares across 5 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 1,702 shares across 5 trades, broker 59, Deevyaa Securities & Stock House Pvt. Ltd on 1,512 shares across 6 trades, broker 62, Capital Max Securities Limited on 1,300 shares across 5 trades, broker 81, Aakashbhairab Securities Ltd. on 1,031 shares across 2 trades, broker 42, Sani Securities Company Limited on 644 shares across 9 trades and broker 37, Swarnalaxmi Securities Pvt.Limited on 617 shares across 2 trades.
SRLI dividend history: bonus shares and cash dividend
Sanima Reliance Life Insurance Limited most recently declared a 10.178% cash dividend 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 | | 10.178% | 2025-12-18 |
| 2080/2081 | 1.2489% | 8% | 2025-03-02 |
| 2079/2080 | 18.3811% | | 2024-09-18 |
| 2076/2077 | 4.2% | | 2022-06-14 |
For 2081/2082 Sanima Reliance Life Insurance Limited declared a 10.178% cash dividend, announced on 2025-12-18.
For 2080/2081 Sanima Reliance Life Insurance Limited declared a 1.2489% bonus share issue and an 8% cash dividend, 9.2489% in total, announced on 2025-03-02.
For 2079/2080 Sanima Reliance Life Insurance Limited declared an 18.3811% bonus share issue, announced on 2024-09-18.
For 2076/2077 Sanima Reliance Life Insurance Limited declared a 4.2% bonus share issue, announced on 2022-06-14.
SRLI general meetings
Annual and special general meetings Sanima Reliance Life Insurance Limited has called. A dividend is declared by the board and approved at the AGM.
- 9th AGM for 2081/2082: on 2026-01-08, at Shubha Events, Bansbari, Kathmandu (11:00 AM)
- 8th AGM for 2080/2081: on 2025-03-21, at Anmol Banquet, Shankhamul, Naya Baneshwor, Kathmandu (11:00 AM)
- 7th AGM for 2079/2080: on 2024-10-09, at Anmol Banquet, Shankhamul, Naya Baneshwor, Kathmandu (11:00 AM)
5 years of annual statements and 9 quarters of results for SRLI, with charts and peer comparison, are free on NepView.
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