SuryaJyoti Life Q2 Financial Results and Performance Analysis 2082/83

4th February 2026, Kathmandu

SuryaJyoti Life Insurance Company Limited has published its unaudited condensed consolidated financial statements for the second quarter of the fiscal year 2082 2083. The report, covering the six month period ending in Poush 2082 (mid January 2026), highlights the institution’s massive operational scale and its status as a market leader following the historic merger of Surya Life and Jyoti Life. With total assets now exceeding 54 billion rupees and a net profit of over 201 million rupees for the half year period, the company continues to demonstrate the strength of its combined synergy and expanded network.

SuryaJyoti Life Q2 Financial

The financial results reflect a stable growth trajectory, particularly in renewal premium collection and the expansion of the life insurance fund, which serves as a critical indicator of long term policyholder security.

Consolidated Profitability and Earnings Analysis

SuryaJyoti Life Insurance reported a consolidated net profit of 201.87 million rupees for the first two quarters of the current fiscal year. This earning reflects the company’s ability to manage its vast operational overhead while maximizing investment income from its diverse portfolio.

Key profitability indicators for the review period include:

Net Profit (YTD): 201.87 million rupees.

Annualized Earnings Per Share (EPS): 8.06 rupees.

Total Income (YTD): The group recorded a total income of 6.64 billion rupees, driven primarily by net earned premiums and income from investments.

The annualized EPS of 8.06 rupees indicates that the company is maintaining a balanced return for its shareholders despite the massive increase in its paid up capital following the merger and subsequent bonus share distributions.

Premium Collection and Insurance Operations

As the largest life insurer in Nepal in terms of network and policy base, SuryaJyoti’s premium collection remains its core operational strength. For the year to date period ending in Poush 2082, the company saw substantial activity in both new business and renewals.

• Net Earned Premiums: 5.71 billion rupees.
• First Year Premiums: 1.05 billion rupees, indicating steady new business growth.
• Renewal Premiums: 4.79 billion rupees, showing high policy retention and customer trust.
• Total Enforce Policy Count: 603,847 active policies.

The significant volume of renewal premiums suggests that the merger has not negatively impacted the persistency ratio of the company’s long term insurance contracts.

Asset Management and Life Insurance Fund

The statement of financial position as of Poush 2082 reveals a fortress like balance sheet. The group’s total assets reached 54.46 billion rupees, making it one of the most significant financial entities in Nepal’s private sector.

Key balance sheet figures include:

Life Insurance Fund: 46.17 billion rupees. This fund represents the reserves held to meet future claims and benefits of policyholders.

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Total Investments: 47.78 billion rupees, allocated across government bonds, fixed deposits, and the equity market.

Paid up Capital: 5.01 billion rupees.

Retained Earnings: 412.33 million rupees.

Net Worth Per Share: 132.84 rupees.

The massive life insurance fund of 46.17 billion rupees provides the company with a unique advantage in terms of investment capacity and financial stability, allowing it to generate significant non insurance income.

Claims Management and Reinsurance

SuryaJyoti Life Insurance has maintained its commitment to prompt claim settlements. During the review period, the company processed net benefits and claims worth 2.45 billion rupees. The company’s reinsurance strategy also remains robust, with premiums ceded to reinsurers carefully managed to mitigate large scale risk exposure.

The solvency ratio, a key measure of an insurance company’s ability to meet its long term obligations, stands at a healthy 1.65. This is well above the regulatory minimum prescribed by the Nepal Insurance Authority, indicating that the company is well capitalized against potential risks.

Strategic Outlook and Future Growth

With the integration phase of the merger largely complete, SuryaJyoti is now focusing on technology driven growth. The company has heavily invested in its mobile application and digital payment gateways (eSewa, Khalti, ConnectIPS) to streamline premium payments and loan repayments.

The company’s focus for the remainder of 2082 2083 includes:

Product Innovation: Expanding its unique “35 Critical Illness” coverage plans.

Agency Network: Empowering its 100,000+ strong agency force through digital training and incentives.

Market Penetration: Leveraging its 180+ branches to reach underserved populations in rural provinces.

Conclusion

The second quarter financial results for 2082 2083 confirm that SuryaJyoti Life Insurance is successfully capitalizing on its merged scale. With over 54 billion rupees in assets and a net profit exceeding 201 million rupees, the company is a pillar of the Nepalese insurance industry. For shareholders and policyholders alike, the combination of a high solvency ratio and a massive life insurance fund offers a strong sense of security and growth potential in the years to come.

For More: SuryaJyoti Life Q2 Financial