Reliable Nepal Life Profit Jumps 13 Percent
11th February 2026, Kathmandu
Reliable Nepal Life Insurance Limited (RNLI) has reported robust financial growth in its second-quarter (Q2) results for the fiscal year 2082/83. As of Poush end, 2082 (mid-January 2026), the company achieved a net profit of Rs 39.58 crore, a 13 percent increase from the Rs 35.03 crore recorded during the same period last year.
Reliable Nepal Life Profit
This performance follows a strong year for RNLI, which recently completed its bonus share listing and updated its capital structure to meet the new regulatory benchmarks set by the Nepal Insurance Authority.
Key Financial Indicators (Q2 2082/83)
The company’s growth this quarter was driven by an aggressive expansion in its investment portfolio and a surge in interest-based earnings.
Net Interest Income: Surged by 32.39 percent, reaching Rs 293.73 crore. This reflects the company’s strategic shift toward high-yield investment instruments.
Life Insurance Fund: The fund saw a massive 32 percent expansion, growing from Rs 11.53 billion to Rs 15.24 billion. This is a critical indicator of long-term solvency and policyholder trust.
Earnings Per Share (EPS): Improved to Rs 15.77 (annualized), up from Rs 15.10.
Net Worth Per Share: Currently stands at Rs 166.66, maintaining a strong buffer for shareholders.
Dividend and Capital Structure
Reliable Nepal Life has recently finalized its dividend distribution for the previous fiscal year and adjusted its paid-up capital accordingly.
FY 2081/82 Dividend: The company recently proposed a 12 percent cash dividend (amounting to Rs 62.36 crore) for the fiscal year 2081/82.
Paid-up Capital: Following the recent capitalization of bonus shares, the company’s paid-up capital has reached Rs 5.19 billion, successfully crossing the Rs 5 billion minimum requirement mandated for life insurance companies in Nepal.
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Total Assets: The company’s total assets have crossed the Rs 23.47 billion mark, reinforcing its position as a mid-to-large-cap player in the insurance sector.
Stock Market Performance (NEPSE: RNLI)
RNLI remains a popular pick for investors seeking a mix of stability and growth in the life insurance sub-index.
Closing Price: Rs 454.70 (as of February 10, 2026).
52-Week Range: Rs 416.00 – Rs 593.00.
P/E Ratio: Approximately 23.48 times, which is relatively competitive compared to the industry leader, Nepal Life (NLIC), which often trades at a higher premium.
Strategic Outlook
The 13 percent profit growth is particularly noteworthy given the current economic landscape in Nepal, where new business growth (first-year premiums) has faced sector-wide challenges. RNLI has mitigated this by focusing on:
Renewal Premiums: Maintaining a low policy lapse ratio.
Investment Yields: Leveraging high interest rates to boost non-insurance income.
Digital Distribution: Expanding its reach through its 100+ branches and 27,000+ strong agent network.
Conclusion
The Reliable Nepal Life Q2 Results for 2082/83 confirm that the company is on a sustainable growth trajectory. By successfully meeting capital requirements and significantly expanding its Life Insurance Fund to over Rs 15 billion, RNLI has built a formidable “moat” against market volatility. For investors, the combination of consistent double-digit profit growth and a 12 percent dividend yield makes it a sturdy component for an insurance-heavy portfolio.
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