Nepal Life Insurance Reports Fourth Quarter Financial Results for Fiscal Year 2082/83

13th August 2026, Kathmandu

Nepal Life Insurance Company Limited, one of the leading life insurance companies operating in Nepal, has officially published its unaudited fourth-quarter financial results for fiscal year 2082/83.

Nepal Life Insurance Financial Results

The quarterly report reflects a mixed financial performance, marked by solid expansion in net insurance premium collection, total corporate income, and total reserve funds, alongside a reduction in net profit caused by elevated overall expenses.

Despite expense-driven pressure on short-term net earnings, the institution continues to expand its core market coverage, policyholder base, and total capital assets across the country.

Net Profit Decline Driven by Rising Operational Expenses

The financial statement outlines key metrics reflecting net bottom-line performance and operational cost dynamics during the review period:

• The company posted a net profit of Rs 465.3 million for fiscal year 2082/83.
• This represents a 15 percent decline compared to the net profit of Rs 547.6 million recorded during the previous fiscal year.
• The primary factor contributing to the reduction in net profit was the rapid increase in overall operating and administrative expenses, which outpaced total income growth during the twelve-month review period.

Solid Growth in Insurance Premium Collection and Total Revenue

Core underwriting channels and primary income streams recorded encouraging growth during the review period:

• Net Insurance Premium Income: Net premium collection increased by 12.14 percent, rising from Rs 47.66 billion in the previous fiscal year to Rs 53.45 billion in the last fiscal year.
• Total Income Growth: Total income generated by the insurer expanded by 8.82 percent, rising from Rs 68.30 billion in fiscal year 2081/82 to Rs 74.33 billion in fiscal year 2082/83.

The steady expansion in net premium collection highlights strong policy renewal rates, high customer retention, and expanding policy adoption across various demographic segments.

Expense Expansion Outpaces Income Growth

The fourth-quarter report details the overall expenditure trajectory that placed pressure on net profit margins:

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• Total expenses incurred by the company increased by 10.12 percent during the review period.
• Overall expenditure expanded from Rs 64.26 billion in the prior fiscal year to Rs 70.76 billion in the last fiscal year.

Because total expenditure grew at a faster percentage rate than total revenue, net profitability experienced a temporary squeeze despite strong top-line momentum.

Life Insurance Fund Surpasses Rs 273 Billion

A central highlight of the fourth-quarter financial statement is the rapid growth of long-term reserve capital and equity balances:

• Life Insurance Fund: The core life insurance fund expanded by 17 percent, rising to over Rs 273.55 billion by the end of fiscal year 2082/83.
• Paid-Up Capital: Paid-up capital expanded by 5 percent to reach Rs 9.48 billion.
• Catastrophe Reserve Fund: Allocations in the catastrophe fund grew by 3.32 percent, reaching Rs 1.54 billion.
• Reserve Fund Balance: The general reserve fund experienced a significant decline of 64.61 percent, falling to Rs 799 million.

Per-Share Valuations and Capital Metrics

The quarterly statement details key per-share metrics and financial standing indicators:

• Earnings Per Share: Annualized earnings per share stood at Rs 4.91 at the close of the fiscal period.
• Net Worth Per Share: The reported net worth per share stood at Rs 126.07.

Summary of Institutional Performance and Financial Outlook

The fourth-quarter financial results of Nepal Life Insurance Company Limited highlight strong core operational growth accompanied by short-term expense pressures.

The 12.14 percent increase in net premium income to Rs 53.45 billion, the 8.82 percent rise in total income to Rs 74.33 billion, and the 17 percent surge in the life insurance fund to over Rs 273.55 billion confirm the dominant market position and long-term financial stability of the insurer.

Addressing operational expense growth remains a key focus area for management to restore bottom-line net profit expansion in subsequent fiscal periods.

For More: Nepal Life Insurance Financial Results