Rastriya Jeevan Beema Bonus Rate Notice Published
22nd January 2026, Kathmandu
Rastriya Jeevan Beema Company Limited has published an official notice regarding the bonus rate applicable to its various life insurance policies. The notice outlines the bonus rates determined based on the actuarial valuation of the financial position of the company for the fiscal years 2073/74 to 2075/76. This valuation and the subsequent approval were conducted in strict accordance with the regulatory requirements of the Nepal Insurance Authority.
Rastriya Jeevan Beema Bonus Rate
According to the official announcement, the actuarial valuation report related to the assets and liabilities for the stated three-year period was endorsed by the Nepal Insurance Authority through formal correspondence. Based on the profits earned by the company from its insurance operations and the surplus generated during this period, the bonus rates for eligible participating life insurance policies have been publicly disclosed for the information of the policyholders.
Uniform Bonus Rate for Popular Insurance Schemes
The company has fixed a uniform bonus rate of 55 rupees per thousand of the sum assured per year for most of its life insurance schemes. This decision reflects the stable financial performance of the company and its surplus distribution policy as governed by national regulatory guidelines.
The bonus rate of 55 per thousand applies to a wide range of products, including:
- Traditional Endowment Life Insurance
- Life Security Plans (Jeevan Surakshya)
- Child Education and Marriage Plans
- Child Endowment Plans
- Group Endowment Life Insurance
- Rastriya Sevak Endowment Life Insurance (for civil servants)
- Advance Payment Endowment Life Insurance schemes
For policyholders, this means that for every 100,000 rupees of the sum assured, a bonus of 5,500 rupees is added to the policy value for each year of the specified fiscal period.
Bonus Rates for Joint Life and Special Plans
For joint life insurance plans, the company has also specified bonus rates based on different policy duration slabs. These include policies ranging from 0 to 9 years, 10 to 14 years, 15 to 19 years, 20 to 24 years, 25 to 29 years, and policies exceeding 30 years. Across all these applicable categories and durations, the bonus rate has been maintained at 55 per thousand, subject to specific policy conditions.
The notice further clarifies the rates for specific plans like Jeevan Bandhu and older versions of the Rastriya Sevak (RSK) insurance plans. For these specific schemes, the bonus rates for earlier fiscal years had been set at different levels—specifically 65 rupees and 60 rupees per thousand for certain prior periods. These details were included in the current notice to ensure historical clarity and accurate record-keeping for long-term policyholders.
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Interim Bonus and Regulatory Compliance
Rastriya Jeevan Beema Company Limited has informed its clients that the interim bonus rate mentioned in the notice will remain applicable until the next actuarial valuation is completed. This ensures continuity and transparency in the distribution of benefits while the company works on auditing the figures for more recent fiscal years.
The company emphasized that these rates are determined strictly within the limits prescribed by the Insurance Act and the directives of the Nepal Insurance Authority. The entire valuation and approval mechanism was carried out through authorized official channels, ensuring the highest levels of accountability and mathematical accuracy.
Leadership and Corporate Commitment
Headquartered in Ramshahpath, Kathmandu, Rastriya Jeevan Beema Company Limited is the oldest and only government-owned life insurance company in Nepal. The publication of this bonus rate notice under the leadership of newly appointed CEO Sundar Panthi reinforces the commitment of the company to transparency and policyholder trust.
Under the direction of CEO Sundar Panthi, who took office in early 2025, the company has been focusing on clearing the backlog of actuarial valuations to ensure that policyholders receive their bonuses in a timely manner. The announcement is a key part of the broader strategy of the company to modernize its financial reporting and maintain its status as a reliable pillar of the financial system of Nepal.
Conclusion: Strengthening Policyholder Confidence
Overall, the Rastriya Jeevan Beema bonus rate announcement provides critical financial information to thousands of policyholders and stakeholders across the nation. By clearly communicating these rates and the underlying basis for their calculation, the company aims to strengthen the confidence of insured individuals in the public sector insurance model.
As the company moves forward with more recent valuations, policyholders can expect continued updates regarding the growth of their investments. For those holding policies with the government insurer, this announcement confirms the long-term value and financial security provided by their insurance contracts.
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