Prabhu Mahalaxmi Life Insurance Ltd. ( PMLI )

Prabhu Mahalaxmi Life Insurance Ltd (PMLI) is a prominent life insurance company in Nepal, licensed by the Nepal Insurance Authority and actively traded on the Nepal Stock Exchange (NEPSE) under the symbol PMLI. Established through a merger in 2023, PMLI focuses on delivering innovative life insurance products, financial protection, and customer-centric services across Nepal. With its head office in Kathmandu, Prabhu Mahalaxmi Life Insurance operates through an extensive network of over 116 branches and thousands of agents, emphasizing financial inclusion, digital insurance solutions, and personalized coverage for individuals, families, businesses, and groups.

History and Key Milestones of PMLI Nepal

Prabhu Mahalaxmi Life Insurance Ltd was formed in 2023 as a result of the merger between Prabhu Life Insurance (established in 2017) and Mahalaxmi Life Insurance, combining their expertise to create a stronger entity in the Nepal life insurance sector. The merger was finalized in June 2023 with a 1:1 swap ratio, and joint operations began in July 2023 to meet the regulatory capital requirement of NPR 5 billion. A key milestone was its listing on NEPSE on December 18, 2023, enhancing transparency and investor access in the Nepal insurance market. PMLI maintains compliance with Nepal Insurance Authority standards, including solvency ratios and reinsurance partnerships.

Mission, Vision, and Business Philosophy of Prabhu Mahalaxmi Life Insurance

The vision of PMLI is to become the leading life insurance provider in Nepal, offering comprehensive and innovative products that meet customer needs and help achieve financial goals. Its mission is to provide financial security and peace of mind to customers, their families, and loved ones through reliable life insurance solutions. Prabhu Mahalaxmi Life Insurance‘s philosophy emphasizes customer satisfaction, ethical practices, innovation, and accessibility, with a focus on “True means of secured life” and serving diverse segments like low-income earners, farmers, and professionals.

PMLI Business Description and Operations

As a full-service life insurance provider in Nepal, Prabhu Mahalaxmi Life Insurance Ltd offers a diverse range of life insurance plans, including endowment, term assurance, whole life, and child education policies. Its operations include:

• Individual Plans: Such as Super Surakshit Beema (endowment with savings, life protection, and accidental death benefits up to NPR 10 million), Jeevan Surakshya Beema (term life for family security), Baibhav Jeevan Beema, Shubha Griha Jeevan Beema, Amulya Jeevan Beema, Sambridhha Jeevan Beema, and Jeevan Kiran.
• Group and Specialized Plans: Including foreign employment term insurance, whole life policies, and anticipated endowment plans.
• Riders and Add-ons: Accidental death benefits, premium payment flexibility (annual, semi-annual, quarterly, monthly).
• Other Services: Digital platforms for policy management, claims processing, and online payments; reinsurance for risk mitigation.

PMLI prioritizes financial inclusion in Nepal, digital transformation in insurance services, and community support, with a strong investment focus on secure assets.

Key Financial Highlights of Prabhu Mahalaxmi Life Insurance Ltd (PMLI)

PMLI shows steady growth in the Nepal life insurance sector. For Q1 FY 2082/83 (2025/26, ending mid-October 2025):

• Net Premium Income: NPR 1.38 billion (up 18% YoY from NPR 1.17 billion).
• Net Profit: NPR 63.77 million.
• Total Revenue: Approximately NPR 1.73 billion (in ‘000s basis).
• Other metrics from trailing periods include positive ROE and asset growth, reflecting strong operational efficiency. The company maintains a healthy solvency ratio and focuses on sustainable expansion amid market competition.

PMLI on Nepal Stock Exchange (NEPSE) – Latest PMLI share price and Trading Data

PMLI is listed in the Life Insurance sector on NEPSE. Investors seeking PMLI share price today, PMLI stock analysis, or NEPSE PMLI updates can monitor platforms like ShareSansar, MeroLagani, and NepseAlpha.

Recent PMLI share price trends (as of December 18, 2025):

• Last Traded Price (LTP): NPR 493.10.
• % Change: -1.77%.
• 52-Week High/Low: NPR 665.00 / NPR 445.00.
• Market Capitalization: Approximately NPR 25.17 billion.
• Shares Outstanding: 51,036,480.
• Paid-Up Capital: NPR 5.10 billion.
• P/E Ratio and Book Value: Competitive for Nepal stock market investors.

Dividends and Distributions: Prabhu Mahalaxmi Life Insurance has proposed an 8.421% dividend for FY 2081/2082 (4% bonus shares and 4.421% cash), highlighting its commitment to shareholder returns. This positions PMLI as an appealing option for dividend stocks in Nepal.

PMLI stock performance is influenced by NEPSE index trends, Nepal economy, interest rates, and insurance sector growth.

Why Invest in PMLI Shares on NEPSE?

• Strong fundamentals from merger synergies in life insurance Nepal.
• Emphasis on financial security and innovative insurance products.
• Consistent dividend history and growth potential.
• Solid liquidity on Nepal Stock Exchange.

For the latest PMLI share price live, NEPSE PMLI chart, financial reports, or PMLI dividend announcements, refer to official sources or NEPSE platforms. Prabhu Mahalaxmi Life Insurance Ltd emerges as a trusted insurer in Nepal, delivering essential life insurance services and attractive investment opportunities.