Himalayan Life Insurance Limited Fourth Quarter Financial Report Fiscal Year 2082/83 Analysis
16th August 2026, Kathmandu
Himalayan Life Insurance Limited has published its unaudited financial results for the fourth quarter of the fiscal year 2082/83.
Himalayan Life Financial Report
The published financial statement presents a detailed view of the company financial performance over the past year. While net profit experienced a drop, the company saw steady growth across its core insurance reserves and total policyholder funds.
Net Profit and Earnings Per Share Fall
The net profit of the company dropped significantly during the fourth quarter of fiscal year 2082/83. The net profit fell by 41.90 percent compared to the previous fiscal year 2081/82.
In fiscal year 2081 82 the company reported a net profit of 54.69 crore rupees. By the end of fiscal year 2082/83 that figure dropped down to 31.77 crore rupees.
As a direct result of the lower profits, earnings per share EPS also faced a sharp reduction. The earnings per share fell from 5.98 rupees in the previous fiscal year to 3.48 rupees per share.
Strong Growth in Life Insurance Fund and Reserves
Despite the decline in net profit, Himalayan Life Insurance Limited managed to expand its main reserve funds. The life insurance fund recorded a strong increase of 16.21 percent.
The life insurance fund grew from 76.94 billion 15 lakh rupees in the previous fiscal year to 89.41 billion 50 lakh rupees at the end of fiscal year 2082/83.
Retained earnings also saw substantial growth. Retained earnings jumped up by 48.87 percent to reach 1.04 billion 64 lakh rupees.
The catastrophe reserve fund posted a slight improvement as well. It expanded to reach a total of 47.22 crore rupees by the end of the reporting period.
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Revenue and Business Expenses Overview
The business expansion efforts of Himalayan Life Insurance Limited helped grow the net insurance premium earned. The net insurance premium went up by 6.18 percent to reach 18.32 billion 58 lakh rupees.
However total income faced a mild drop. Total income decreased by 3.59 percent to 24.50 billion 9 lakh rupees.
Total expenses declined slightly alongside income. Expenses fell marginally by 0.69 percent to 23.67 billion 29 lakh rupees.
Claim Payments and Agent Expenses Increase
During the same financial period total claim payments made by the company rose. Total claim payments increased by 7.92 percent to reach 7.91 billion 94 lakh rupees.
Agent commission expenses saw a minor increase as well. Agent commissions went up by 4.20 percent to stand at 1.52 billion 43 lakh rupees.
Paid Up Capital and Key Financial Indicators
The paid up capital of Himalayan Life Insurance Limited remained completely unchanged during this period. The paid up capital stands at 9.14 billion 32 lakh rupees.
The net worth per share of the company was reported at 93.31 rupees at the end of the fourth quarter.
Meanwhile the solvency margin ratio dropped notably. The solvency margin ratio fell down from 3.86 percent in the previous period to 1.32 percent at the end of fiscal year 2082/83.
For More: Himalayan Life Financial Report
