United Ajod Insurance Limited (UAIL) Share Price & Fundamentals

United Ajod Insurance (UAIL) share price is Rs. 364.00, down 2.88% on 2026-11-02. Open Rs. 370.00. High Rs. 371.00. Low Rs. 364.00. Volume 14,241.

United Ajod Insurance Limited is a NEPSE-listed company (UAIL), Non Life Insurance sector. Premium: Rs. 133.76 Crore. Net profit: Rs. 6.31 Crore. Net worth: Rs. 407.5 Crore.

About United Ajod Insurance Limited

United Ajod Insurance Limited (UAIL) is a NEPSE-listed non-life (general) insurance company in Nepal, formed through the merger of the former Ajod Insurance Ltd. and United Insurance Co. (Nepal) Ltd. It offers general insurance products and is regulated by the Nepal Insurance Authority. Head office: CTC Mall, Kathmandu.

United Ajod Insurance Limited (UAIL) has 2,64,98,996 shares outstanding. It listed on NEPSE in 1994. Its most recent declared dividend was 0.23% on face value.

UAIL key metrics

UAIL strengths

What United Ajod Insurance Limited's own accounts show in its favour, graded against the rest of its sector.

• Holds 4.29x of the safety capital required, comfortably above the 1.5 times the regulator sets. (Solvency)
• 50.6% of what it owns belongs to shareholders rather than policyholders and lenders. (Solvency)
• The number of policies issued grew 72.6% on last year. (Premium Growth & Scale)
• Holds 53.8% against premiums for cover that has not yet run out, a healthy buffer. (Liability Strength)
• Has 62.6% set aside against claims already reported, so it is well prepared to pay. (Claims & Reserving)
• Premiums written directly with customers grew 15.2% on last year. (Premium Growth & Scale)
• Earns 2.2% a year on everything it owns, so its investments are working well. (Profitability)

UAIL weaknesses

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

• Claims and costs together are 121.5% of premiums. Above 100% means it loses money on insurance and relies on investments. (Underwriting Performance)
• Earns only 4.4% a year on shareholders' money, below what owners would hope for. (Profitability)
• Each share earned only Rs 2.38 of profit over the year. (Shareholder Returns)
• Running costs take 48.8% of premiums, a heavy load on what customers pay in. (Underwriting Performance)
• 72.7% of premiums go out as claims, so there is little margin on what it sells. (Underwriting Performance)
• Earns only 4.8% on the money it holds, so those funds are underused. (Investment Performance)
• Only 12.3% of customers renew, so it loses much of the business it wins. (Claims & Reserving)
• Keeps only 18% of premiums written, so most income goes to reinsurers. (Underwriting Performance)
• Passes most risk on, keeping only 44.4%, so much of the premium goes elsewhere. (Claims & Reserving)
• Only 3.5% of income becomes profit once costs are paid. (Profitability)
• Only 6.6% of income comes from investments, so it depends on premiums alone. (Investment Performance)
• Premiums moved 7.9% on last year, so the business is not expanding. (Premium Growth & Scale)
• Sets aside only 9.6% above its best estimate, so reserves may fall short. (Liability Strength)
• Only 39.2% is set aside to meet the policies it has written, which is light. (Liability Strength)
• The company's size moved 5.2% over the year. (Shareholder Returns)

UAIL Q4 2082/83 results

In the fourth quarter of 2082/83 (Q4 2082/83) United Ajod Insurance Limited reported profit of Rs. 13.29 crore and net earned premiums of Rs. 35.16 crore. Profit in Q3 2082/83 was Rs. 3.68 crore. Profit grew 260.74% on the previous quarter. Net earned premiums fell 11.68% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 10.03 crore. Profit grew 32.48% on the same quarter last year. Net earned premiums fell 22.66% on the same quarter last year.

UAIL annual results 2082/83

For the financial year 2082/83 United Ajod Insurance Limited reported net profit of Rs. 6.31 crore, net earned premiums of Rs. 133.76 crore and net worth of Rs. 407.5 crore. Net profit in 2081/82 was Rs. 17.8 crore. Net profit fell 64.55% on the year. Net earned premiums grew 7.90% on the year.

UAIL profit and loss for 2082/83

In the financial year 2082/83, United Ajod Insurance Limited reported net earned premiums of Rs. 133.76 crore, other income of Rs. 46.76 crore, total income of Rs. 180.52 crore, net claims incurred of Rs. 97.3 crore, other expenses of Rs. 74.2 crore, total expenses of Rs. 171.51 crore, profit before tax of Rs. 9.01 crore and net profit for the year of Rs. 6.31 crore.

Reported under net earned premiums: gross earned premiums of Rs. 301.44 crore and premiums ceded of Rs. 167.68 crore. Reported under other income: commission income of Rs. 33.02 crore, other direct income of Rs. 1.88 crore and income from investments & loans of Rs. 11.86 crore. Reported under net claims incurred: gross claims paid of Rs. 182.72 crore, claims ceded of Rs. 92.94 crore, gross change in contract liabilities of Rs. 52.7 crore and change in contract liabilities ceded to reinsurers of Rs. 45.17 crore. Reported under other expenses: commission expenses of Rs. 7.34 crore, service fees of Rs. 1.08 crore, other direct expenses of Rs. 0.4 crore, employee benefits expenses of Rs. 41.4 crore, depreciation and amortization expenses of Rs. 6.71 crore, other operating expenses of Rs. 16.54 crore and finance cost of Rs. 0.74 crore. Reported under net profit for the year: income tax expense of Rs. 2.7 crore.

UAIL profit and loss for 2081/82

In the financial year 2081/82, United Ajod Insurance Limited reported net earned premiums of Rs. 123.96 crore, other income of Rs. 74.42 crore, total income of Rs. 198.38 crore, net claims incurred of Rs. 84.14 crore, other expenses of Rs. 79.3 crore, total expenses of Rs. 163.43 crore, profit before tax of Rs. 34.95 crore and net profit for the year of Rs. 17.8 crore.

Reported under net earned premiums: gross earned premiums of Rs. 285.99 crore and premiums ceded of Rs. 162.03 crore. Reported under other income: commission income of Rs. 45.38 crore, other direct income of Rs. 1.52 crore, income from investments & loans of Rs. 20.49 crore, net gain/(loss) on fair value changes of Rs. 0 crore, net realised gains/(losses) of Rs. 0 crore and other income of Rs. 7.03 crore. Reported under net claims incurred: gross claims paid of Rs. 195.66 crore, claims ceded of Rs. 110.16 crore, gross change in contract liabilities of Rs. 48.62 crore and change in contract liabilities ceded to reinsurers of Rs. 49.97 crore. Reported under other expenses: commission expenses of Rs. 7.59 crore, service fees of Rs. 0.93 crore, other direct expenses of Rs. 0.39 crore, employee benefits expenses of Rs. 46.31 crore, depreciation and amortization expenses of Rs. 6.57 crore, impairment losses of Rs. 3.3 crore, other operating expenses of Rs. 13.49 crore and finance cost of Rs. 0.71 crore. Reported under profit before tax: share of net profit of associates (equity method) of Rs. 0 crore. Reported under net profit for the year: income tax expense of Rs. 17.15 crore.

UAIL profit and loss for 2080/81

In the financial year 2080/81, United Ajod Insurance Limited reported net earned premiums of Rs. 109.52 crore, other income of Rs. 73.69 crore, total income of Rs. 183.2 crore, net claims incurred of Rs. 72.14 crore, other expenses of Rs. 70.64 crore, total expenses of Rs. 142.78 crore, profit before tax of Rs. 40.42 crore and net profit for the year of Rs. 24.84 crore.

Reported under net earned premiums: gross earned premiums of Rs. 294.73 crore and premiums ceded of Rs. 185.21 crore. Reported under other income: commission income of Rs. 39.14 crore, other direct income of Rs. 2.02 crore, income from investments & loans of Rs. 32.14 crore, net gain/(loss) on fair value changes of Rs. 0 crore, net realised gains/(losses) of Rs. 0 crore and other income of Rs. 0.39 crore. Reported under net claims incurred: gross claims paid of Rs. 155 crore, claims ceded of Rs. 89.13 crore, gross change in contract liabilities of Rs. 38.76 crore and change in contract liabilities ceded to reinsurers of Rs. 45.04 crore. Reported under other expenses: commission expenses of Rs. 7.62 crore, service fees of Rs. 0.85 crore, other direct expenses of Rs. 0.14 crore, employee benefits expenses of Rs. 39.44 crore, depreciation and amortization expenses of Rs. 5.55 crore, impairment losses of Rs. 4.13 crore, other operating expenses of Rs. 11.82 crore and finance cost of Rs. 1.09 crore. Reported under profit before tax: share of net profit of associates (equity method) of Rs. 0 crore. Reported under net profit for the year: income tax expense of Rs. 15.58 crore.

UAIL balance sheet for 2081/82

In the financial year 2081/82, United Ajod Insurance Limited reported total assets of Rs. 804.74 crore, total liabilities of Rs. 397.24 crore and total equity of Rs. 407.5 crore.

Reported under total assets: goodwill & intangible assets of Rs. 17.6 crore, property and equipment of Rs. 20.35 crore, investment properties of Rs. 0 crore, deferred tax assets of Rs. 0 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investments of Rs. 426.35 crore, loans of Rs. 0.08 crore, reinsurance assets of Rs. 200.3 crore, current tax assets of Rs. 9.68 crore, insurance receivables of Rs. 55.34 crore, other assets of Rs. 17.9 crore, other financial assets of Rs. 21.3 crore and cash and cash equivalent of Rs. 35.84 crore. Reported under total liabilities: provisions of Rs. 9.8 crore, gross insurance contract liabilities of Rs. 315.45 crore, deferred tax liabilities of Rs. 7.29 crore, insurance payables of Rs. 18.88 crore, current tax liabilities of Rs. 0 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 15.6 crore and other financial liabilities of Rs. 30.24 crore. Reported under total equity: share capital of Rs. 231 crore, share application money pending allotment of Rs. 0 crore, share premium of Rs. 0 crore, special reserves of Rs. 103.99 crore, catastrophe reserves of Rs. 4.66 crore, retained earnings of Rs. 11.61 crore and other equity of Rs. 56.24 crore.

UAIL balance sheet for 2080/81

In the financial year 2080/81, United Ajod Insurance Limited reported total assets of Rs. 765.31 crore, total liabilities of Rs. 379.69 crore and total equity of Rs. 385.62 crore.

Reported under total assets: goodwill & intangible assets of Rs. 17.65 crore, property and equipment of Rs. 16.57 crore, investment properties of Rs. 0 crore, deferred tax assets of Rs. 0 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investments of Rs. 444.32 crore, loans of Rs. 0.39 crore, reinsurance assets of Rs. 146.37 crore, current tax assets of Rs. 7.13 crore, insurance receivables of Rs. 62.82 crore, other assets of Rs. 21.43 crore, other financial assets of Rs. 17.67 crore and cash and cash equivalent of Rs. 30.97 crore. Reported under total liabilities: provisions of Rs. 9.01 crore, gross insurance contract liabilities of Rs. 263.22 crore, deferred tax liabilities of Rs. 0.11 crore, insurance payables of Rs. 61.64 crore, current tax liabilities of Rs. 0 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 12.01 crore and other financial liabilities of Rs. 33.71 crore. Reported under total equity: share capital of Rs. 210 crore, share application money pending allotment of Rs. 0 crore, share premium of Rs. 0 crore, special reserves of Rs. 91.29 crore, catastrophe reserves of Rs. 3.97 crore, retained earnings of Rs. 9.42 crore and other equity of Rs. 70.94 crore.

UAIL balance sheet for 2079/80

In the financial year 2079/80, United Ajod Insurance Limited reported total assets of Rs. 787.06 crore, total liabilities of Rs. 429.28 crore and total equity of Rs. 357.78 crore.

Reported under total assets: goodwill & intangible assets of Rs. 17.74 crore, property and equipment of Rs. 14.64 crore, investment properties of Rs. 0 crore, deferred tax assets of Rs. 0 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investments of Rs. 435.48 crore, loans of Rs. 0.72 crore, reinsurance assets of Rs. 214.8 crore, current tax assets of Rs. 14.51 crore, insurance receivables of Rs. 25.08 crore, other assets of Rs. 28.98 crore, other financial assets of Rs. 19.81 crore and cash and cash equivalent of Rs. 15.3 crore. Reported under total liabilities: provisions of Rs. 12.11 crore, gross insurance contract liabilities of Rs. 321.58 crore, deferred tax liabilities of Rs. 1.47 crore, insurance payables of Rs. 45.25 crore, current tax liabilities of Rs. 0 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 12.39 crore and other financial liabilities of Rs. 36.49 crore. Reported under total equity: share capital of Rs. 190.46 crore, share application money pending allotment of Rs. 0 crore, share premium of Rs. 0 crore, special reserves of Rs. 79.71 crore, catastrophe reserves of Rs. 3.36 crore, retained earnings of Rs. 15.79 crore and other equity of Rs. 68.45 crore.

UAIL cash flow for 2081/82

In the financial year 2081/82, United Ajod Insurance Limited reported opening cash & cash equivalents of Rs. 30.97 crore, net cash flow from operating activities of Rs. 0.92 crore, net cash flow from investing activities of Rs. 5.07 crore, net cash flow from financing activities of Rs. 1.11 crore, net change in cash of Rs. 4.88 crore and closing cash & cash equivalents of Rs. 35.84 crore.

Reported under net cash flow from operating activities: gross premium received of Rs. 289.61 crore, reinsurance commission received of Rs. 36.56 crore, claim recovery received from reinsurers of Rs. 117.65 crore, other direct income received of Rs. 1.52 crore, other income received of Rs. 0 crore, gross benefits and claims paid of Rs. 195.66 crore, reinsurance premium paid of Rs. 165.98 crore, commission paid of Rs. 6.3 crore, service fees paid of Rs. 2.17 crore, employee benefits expenses paid of Rs. 46.85 crore, other expenses paid of Rs. 13.49 crore, other direct expenses paid of Rs. 0 crore, changes in working capital of Rs. 0 crore and income tax paid of Rs. 13.97 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.06 crore, acquisitions of property & equipment of Rs. 10.24 crore, purchase of equity instruments of Rs. 0 crore, proceeds from sale of equity instruments of Rs. 0 crore, purchase of debentures of Rs. 0 crore, investments in deposits of Rs. 17.96 crore, maturity of deposits of Rs. 0 crore, rental income received of Rs. 0 crore, interest income received of Rs. 19.59 crore, dividend received of Rs. 0.35 crore and other investing activities of Rs. 22.54 crore. Reported under net cash flow from financing activities: payment of finance lease of Rs. 0 crore, proceeds from issue of share capital of Rs. 0 crore, dividend paid of Rs. 1.11 crore and proceeds from share application money pending allotment of Rs. 0 crore.

UAIL cash flow for 2080/81

In the financial year 2080/81, United Ajod Insurance Limited reported opening cash & cash equivalents of Rs. 15.3 crore, net cash flow from operating activities of Rs. 20.91 crore, net cash flow from investing activities of Rs. 37.61 crore, net cash flow from financing activities of Rs. 1.03 crore, net change in cash of Rs. 15.66 crore and closing cash & cash equivalents of Rs. 30.97 crore.

Reported under net cash flow from operating activities: gross premium received of Rs. 275.13 crore, reinsurance commission received of Rs. 35.16 crore, claim recovery received from reinsurers of Rs. 51.39 crore, other direct income received of Rs. 2.02 crore, other income received of Rs. 0 crore, gross benefits and claims paid of Rs. 155 crore, reinsurance premium paid of Rs. 161.82 crore, commission paid of Rs. 4.69 crore, service fees paid of Rs. 2.06 crore, employee benefits expenses paid of Rs. 38.13 crore, other expenses paid of Rs. 11.82 crore, other direct expenses paid of Rs. 0 crore, changes in working capital of Rs. 0 crore and income tax paid of Rs. 11.1 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.03 crore, acquisitions of property & equipment of Rs. 7.43 crore, purchase of equity instruments of Rs. 0 crore, proceeds from sale of equity instruments of Rs. 0 crore, purchase of debentures of Rs. 0 crore, investments in deposits of Rs. 8.84 crore, maturity of deposits of Rs. 0 crore, rental income received of Rs. 0 crore, interest income received of Rs. 31.4 crore, dividend received of Rs. 0.28 crore and other investing activities of Rs. 22.17 crore. Reported under net cash flow from financing activities: payment of finance lease of Rs. 0 crore, proceeds from issue of share capital of Rs. 0 crore, dividend paid of Rs. 1.03 crore and proceeds from share application money pending allotment of Rs. 0 crore.

UAIL cash flow for 2079/80

In the financial year 2079/80, United Ajod Insurance Limited reported opening cash & cash equivalents of Rs. 29.48 crore, net cash flow from operating activities of Rs. 135.31 crore, net cash flow from investing activities of Rs. 149.22 crore, net cash flow from financing activities of Rs. 0.27 crore, net change in cash of Rs. 14.18 crore and closing cash & cash equivalents of Rs. 15.3 crore.

Reported under net cash flow from operating activities: gross premium received of Rs. 165.46 crore, reinsurance commission received of Rs. 21.2 crore, claim recovery received from reinsurers of Rs. 41.64 crore, other direct income received of Rs. 32 crore, other income received of Rs. 0 crore, gross benefits and claims paid of Rs. 83.95 crore, reinsurance premium paid of Rs. 24.65 crore, commission paid of Rs. 6.39 crore, service fees paid of Rs. 1.34 crore, employee benefits expenses paid of Rs. 21.01 crore, other expenses paid of Rs. 27.04 crore, other direct expenses paid of Rs. 0 crore, changes in working capital of Rs. 0 crore and income tax paid of Rs. 0 crore. Reported under net cash flow from investing activities: acquisitions of intangible assets of Rs. 0.2 crore, acquisitions of property & equipment of Rs. 14.83 crore, purchase of equity instruments of Rs. 0 crore, proceeds from sale of equity instruments of Rs. 0 crore, purchase of debentures of Rs. 0 crore, investments in deposits of Rs. 155.71 crore, maturity of deposits of Rs. 0 crore, rental income received of Rs. 0 crore, interest income received of Rs. 21.36 crore, dividend received of Rs. 0.14 crore and other investing activities of Rs. 0.02 crore. Reported under net cash flow from financing activities: payment of finance lease of Rs. 0 crore, proceeds from issue of share capital of Rs. 0 crore, dividend paid of Rs. 0.27 crore and proceeds from share application money pending allotment of Rs. 0 crore.

UAIL quarterly for Q4 2082/83

In the quarter Q4 2082/83, United Ajod Insurance Limited reported net earned premiums of Rs. 35.16 crore, other income of Rs. 19.07 crore, total income of Rs. 54.23 crore, net claims incurred of Rs. 12.57 crore, other expenses of Rs. 22.68 crore, total expenses of Rs. 35.25 crore, profit before tax of Rs. 18.98 crore and net profit for the year of Rs. 13.29 crore.

Reported under net earned premiums: gross earned premiums of Rs. 90.02 crore and premiums ceded of Rs. 54.86 crore. Reported under other income: commission income of Rs. 16.53 crore, other direct income of Rs. 0.48 crore and income from investments & loans of Rs. 2.07 crore. Reported under net claims incurred: gross claims paid of Rs. 76.35 crore, claims ceded of Rs. 44.16 crore, gross change in contract liabilities of Rs. 57.14 crore and change in contract liabilities ceded to reinsurers of Rs. 37.52 crore. Reported under other expenses: commission expenses of Rs. 3.86 crore, service fees of Rs. 0.23 crore, other direct expenses of Rs. 0.31 crore, employee benefits expenses of Rs. 11.25 crore, depreciation and amortization expenses of Rs. 0.21 crore, other operating expenses of Rs. 6.57 crore and finance cost of Rs. 0.25 crore. Reported under net profit for the year: income tax expense of Rs. 5.7 crore.

UAIL quarterly for Q3 2082/83

In the quarter Q3 2082/83, United Ajod Insurance Limited reported net earned premiums of Rs. 39.81 crore, other income of Rs. 8.27 crore, total income of Rs. 48.09 crore, net claims incurred of Rs. 27.33 crore, other expenses of Rs. 15.49 crore, total expenses of Rs. 42.82 crore, profit before tax of Rs. 5.26 crore and net profit for the year of Rs. 3.68 crore.

Reported under net earned premiums: gross earned premiums of Rs. 74.77 crore and premiums ceded of Rs. 34.96 crore. Reported under other income: commission income of Rs. 5.64 crore, other direct income of Rs. 0.47 crore, income from investments & loans of Rs. 2.16 crore, net gain/(loss) on fair value changes of Rs. 0 crore, net realised gains/(losses) of Rs. 0 crore and other income of Rs. 0 crore. Reported under net claims incurred: gross claims paid of Rs. 37.54 crore, claims ceded of Rs. 16.04 crore, gross change in contract liabilities of Rs. 58.5 crore and change in contract liabilities ceded to reinsurers of Rs. 64.33 crore. Reported under other expenses: commission expenses of Rs. 1.34 crore, service fees of Rs. 0.29 crore, other direct expenses of Rs. 0.05 crore, employee benefits expenses of Rs. 9.3 crore, depreciation and amortization expenses of Rs. 1.37 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 3.02 crore and finance cost of Rs. 0.13 crore. Reported under net profit for the year: income tax expense of Rs. 1.58 crore.

UAIL quarterly for Q2 2082/83

In the quarter Q2 2082/83, United Ajod Insurance Limited reported net earned premiums of Rs. 34.23 crore, other income of Rs. 7.62 crore, total income of Rs. 41.85 crore, net claims incurred of Rs. 16.7 crore, other expenses of Rs. 18.79 crore, total expenses of Rs. 35.49 crore, profit before tax of Rs. 6.37 crore and net profit for the year of Rs. 4.46 crore.

Reported under net earned premiums: gross earned premiums of Rs. 65.56 crore and premiums ceded of Rs. 31.33 crore. Reported under other income: commission income of Rs. 3.86 crore, other direct income of Rs. 0.47 crore, income from investments & loans of Rs. 3.3 crore, net gain/(loss) on fair value changes of Rs. 0 crore, net realised gains/(losses) of Rs. 0 crore and other income of Rs. 0 crore. Reported under net claims incurred: gross claims paid of Rs. 35.16 crore, claims ceded of Rs. 17.75 crore, gross change in contract liabilities of Rs. 68.57 crore and change in contract liabilities ceded to reinsurers of Rs. 69.28 crore. Reported under other expenses: commission expenses of Rs. 0.79 crore, service fees of Rs. 0.25 crore, other direct expenses of Rs. 0.02 crore, employee benefits expenses of Rs. 10.18 crore, depreciation and amortization expenses of Rs. 3.61 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 3.92 crore and finance cost of Rs. 0.01 crore. Reported under net profit for the year: income tax expense of Rs. 1.91 crore.

UAIL quarterly for Q1 2082/83

In the quarter Q1 2082/83, United Ajod Insurance Limited reported net earned premiums of Rs. 24.56 crore, other income of Rs. 11.79 crore, total income of Rs. 36.35 crore, net claims incurred of Rs. 40.7 crore, other expenses of Rs. 17.24 crore, total expenses of Rs. 57.95 crore, profit before tax of Rs. 21.6 crore and net profit for the year of Rs. 15.12 crore.

Reported under net earned premiums: gross earned premiums of Rs. 71.09 crore and premiums ceded of Rs. 46.54 crore. Reported under other income: commission income of Rs. 6.99 crore, other direct income of Rs. 0.47 crore, income from investments & loans of Rs. 4.33 crore, net gain/(loss) on fair value changes of Rs. 0 crore, net realised gains/(losses) of Rs. 0 crore and other income of Rs. 0 crore. Reported under net claims incurred: gross claims paid of Rs. 33.66 crore, claims ceded of Rs. 15 crore, gross change in contract liabilities of Rs. 99.78 crore and change in contract liabilities ceded to reinsurers of Rs. 77.74 crore. Reported under other expenses: commission expenses of Rs. 1.34 crore, service fees of Rs. 0.31 crore, other direct expenses of Rs. 0.03 crore, employee benefits expenses of Rs. 10.66 crore, depreciation and amortization expenses of Rs. 1.51 crore, impairment losses of Rs. 0 crore, other operating expenses of Rs. 3.03 crore and finance cost of Rs. 0.35 crore. Reported under net profit for the year: income tax expense of Rs. 6.48 crore.

UAIL Profit & Loss

Values in Rs. Crore unless stated otherwise.

UAIL Balance Sheet

Values in Rs. Crore unless stated otherwise.

UAIL Cash Flow

Values in Rs. Crore unless stated otherwise.

UAIL Quarterly Results

Figures from United Ajod Insurance Limited's quarterly reports, most recent quarter first.

Values in Rs. Crore unless stated otherwise.

United Ajod Insurance share price history

Over the last 15 trading sessions UAIL closed between Rs. 356.30 and Rs. 374.80, finishing at Rs. 364.00 on 2026-11-02 against Rs. 359.90 on 2026-10-05.

UAIL share price by year

2026, between Rs. 354.10 and Rs. 497.77, 2025, between Rs. 376.68 and Rs. 616.55, 2024, between Rs. 416.05 and Rs. 672.26 and 2023, between Rs. 346.88 and Rs. 476.90.

United Ajod Insurance share price returns

At Rs. 364.00 on 2026-11-02, UAIL is up 0.78% over 1 week, up 0.55% over 1 month, down 17.74% over 3 months, down 13.33% over 6 months and down 14.61% over 1 year. Each return compares that close with the last close on or before the same date in the earlier period.

UAIL floorsheet for 2026-11-02

UAIL traded 133 times on 2026-11-02, moving 14,241 shares for Rs. 0.52 crore of turnover. Trades went through between Rs. 356.10 and Rs. 375.00.

Largest buyers by volume: broker 52, Sundhara Securities Limited on 1,999 shares across 2 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 1,615 shares across 6 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 1,350 shares across 4 trades, broker 45, Imperial Securities Co. Limited on 1,074 shares across 29 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 1,000 shares across 2 trades, broker 34, Vision Securities Pvt.Limited on 1,000 shares across 1 trades, broker 1, Kumari Securities Pvt. Limited on 979 shares across 16 trades, broker 58, Naasa Securities Co. Ltd. on 929 shares across 6 trades, broker 43, South Asian Bulls Pvt.Limited on 810 shares across 6 trades and broker 7, J.F. Securities Company Pvt. Limited on 397 shares across 5 trades.

Largest sellers by volume: broker 54, Sewa Securities Pvt. Ltd. on 4,159 shares across 13 trades, broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 2,647 shares across 25 trades, broker 67, Property Wizard Limited on 2,000 shares across 11 trades, broker 45, Imperial Securities Co. Limited on 1,303 shares across 12 trades, broker 25, Sweta Securities Pvt. Limited on 1,253 shares across 5 trades, broker 39, Sumeru Securities Pvt.Limited on 1,062 shares across 5 trades, broker 58, Naasa Securities Co. Ltd. on 325 shares across 6 trades, broker 22, Siprabi Securities Pvt. Limited on 320 shares across 5 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 200 shares across 4 trades and broker 41, Linch Stock Market Limited on 134 shares across 6 trades.

UAIL dividend history: bonus shares and cash dividend

United Ajod Insurance Limited most recently declared a 4.2857% bonus share issue for 2081/2082, announced on 2026-06-24. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2081/2082 United Ajod Insurance Limited declared a 4.2857% bonus share issue, announced on 2026-06-24.

For 2080/2081 United Ajod Insurance Limited declared a 10% bonus share issue, announced on 2025-06-19.

For 2079/2080 United Ajod Insurance Limited declared a 10.2612% bonus share issue, announced on 2024-01-26.

For 2078/2079 United Ajod Insurance Limited declared a 5% bonus share issue, announced on 2023-01-11.

UAIL right share issues

Right issues United Ajod Insurance Limited has announced. A right share is offered to existing shareholders in proportion to what they already hold.

• : ratio 100:10, opens 2026-04-09, closes 2026-05-14
• : ratio 10%
• : ratio 10%
• : ratio 15%
• : ratio 15%
• 2078/2079: ratio 5%

UAIL general meetings

Annual and special general meetings United Ajod Insurance Limited has called. A dividend is declared by the board and approved at the AGM.

• 32nd AGM for 2081/2082: on 2026-07-15, at Amrapali Banquet Catering and Events Pvt.Ltd., Bhatbhateni, Kathmandu (10:30 AM)
• 31st AGM for 2080/2081: on 2025-07-14, at Amrapali Banquet Catering and Events Pvt.Ltd., Bhatbhateni, Kathmandu (10:30 AM)
• SGM for 2079/2080: on 2024-06-13, at Amrapali Banquet, Bhatbhateni, Naxal, Kathmandu (10:30 AM)

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

New to these statements? How to read a profit and loss statement, How to read a balance sheet, How to read a cash flow statement, How to read quarterly results.

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