Sanima Reliance Life Profit Reaches Rs 276M

12th February 2026, Kathmandu

Sanima Reliance Life Insurance Limited (SRLI) has released its unaudited financial statements for the second quarter of the fiscal year 2082/83. The report showcases a company maintaining a steady upward trajectory in both its insurance business and overall investment returns. As of Poush 30, 2082 (mid-January 2026), the insurer recorded a net profit of Rs 276.18 million, marking a solid improvement from the Rs 231.68 million earned during the same period last year.

Sanima Reliance Life Profit

Headquartered in Naxal, Kathmandu, Sanima Reliance Life is a product of the successful merger between the former Sanima Life and Reliance Life Insurance. The company has since focused on consolidating its market presence through a massive agency network and a diverse range of endowment and protection products.

Financial Performance and Shareholder Returns

The second quarter results reflect a healthy balance between aggressive business expansion and bottom-line growth. The company has managed to increase its earnings while simultaneously strengthening its reserve base.

Net Profit Growth: The company’s net profit of Rs 27.61 crore represents a notable year-on-year increase, driven by strong performance in its core underwriting activities and stable investment income.

Earnings Per Share: Reflecting this profitability, the annualized Earnings Per Share (EPS) rose to Rs 11.01, up from Rs 9.36 in the previous year’s second quarter.

Dividend Track Record: For the fiscal year 2081/82, Sanima Reliance Life recently proposed a 10.178 percent cash dividend. This follows a 9.2489 percent dividend (including 8 percent bonus shares) distributed for the fiscal year 2080/81.

Robust Insurance Portfolio and Premium Growth

The insurer continues to see high demand for its life insurance products, with premium collection reaching new milestones during the first half of the current fiscal year.

Gross Earned Premiums: The company collected total premiums of Rs 3.68 billion by the end of the second quarter.

Active Policy Base: Sanima Reliance Life currently manages a massive portfolio of 553,589 active policies. During the first six months of the current fiscal year alone, the company issued 162,215 new policies, indicating a strong acquisition rate in rural and urban markets.

Life Insurance Fund: One of the most critical safety indicators, the Life Insurance Fund, has grown to over Rs 21.90 billion. This ensures that the company is well-capitalized to handle long-term policyholder liabilities and future claim settlements.

Capital Strength and Solvency

Sanima Reliance Life remains one of the most stable life insurers in Nepal, comfortably exceeding the regulatory capital benchmarks set by the Nepal Insurance Authority.

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Paid-up Capital: The company maintains a strong capital base of Rs 5.01 billion, which aligns with the minimum capital requirements for life insurance companies in Nepal.

Solvency Margin: The company reported a solvency ratio of 1.57. A ratio above 1.50 is considered a healthy indicator of an insurer’s ability to meet its long-term financial obligations even in the event of extreme market volatility.

Total Assets: The company’s balance sheet has expanded significantly, with total assets now reaching approximately Rs 28.57 billion.

Bonus Rates for Policyholders

For those holding participating life insurance policies, the company recently announced its updated bonus rates for the fiscal year 2080/81. These rates are a primary driver for customer retention and new sales.

Endowment Plans: Bonus rates range from Rs 35 to Rs 70 per thousand of the sum assured, depending on the policy term.

Child Assurance Plans: The Mero Mutu plan offers bonus rates between Rs 22 and Rs 45 per thousand.

Money Back Plans: The Dhanapati and other advance payment plans offer bonuses ranging from Rs 32 to Rs 45 per thousand.

Market Performance (NEPSE: SRLI)

In the secondary market, Sanima Reliance Life Insurance (SRLI) is viewed as a “value stock” within the life insurance sub-index, known for its consistent dividend payouts and moderate volatility.

Current Market Price: Rs 384.50 (as of February 10, 2026).
52-Week Range: Rs 480.00 – Rs 363.90.
Book Value Per Share: Rs 110.57.

Conclusion

The Sanima Reliance Life Q2 Profit Report for 2082/83 paints a picture of a resilient financial institution. With its net profit reaching Rs 27.61 crore and its life fund exceeding Rs 21.90 billion, the company has successfully transitioned from its post-merger integration phase into a high-growth stage. For investors and policyholders alike, the combination of a 1.57 solvency ratio and an increasing EPS of Rs 11.01 provides strong evidence of the company’s stability and long-term potential in Nepal’s insurance landscape.

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