4
jif{ # c+s # sf7df8f}+ >fj0f @)&@ Nepal Life Newsletter g]kfn nfOkm OG:of]/]G; sDkgLn]] cfd g]kfnL hLjgsf] ;'/Iff / ;Da[l4sf] rfxgfnfO{ k'/f ub}{ pgLx?nfO{ cfly{s ?kdf ;'/lIft agfO{ k|To]s gful/ssf] of]ubfgaf6 Ps :j:y, ;Da[4 /fi6« lgdf{0f ug]{ kl/sNkgfnfO{ ;fsf/ t'Nofpg] cleofgdf laut !% aif{b]lvsf] xfd|f] cljrlnt ofqf Ps kl5 csf]{ ;kmntfsf ;fy hf/L 5======. o; 3l8df xfdL ;Dk"0f{ aLldt, cles{tf, sd{rf/L, z]o/wgL tyf ;Da4 ;a}df xflb{s awfO{ Pj+ z'esfdgf JoSt ub{5f}+ . æcgGt cfsf;Æ ;/L cl;ldt ;Defjgf af]s]sf] hLjg aLdf ahf/nfO{ Jofks la:tf/ ul/ ufFpm ufFpmdf hLjg aLdf ;]jf k|bfg ug]{ sfo{df s[t;+slNkt 5f}+ . sDkgLn] cf=j=)^(.)&) nfO{ Æaf3 aif{Æ 3f]if0ff ul/ af3sf] cGt{lglxt u'0fx? h:t}M /0fgLlts, w}o{jfg Pj+ cfs|fds z}nLnfO{ sDkgLsf] ahf/ /0fgLlt agfO{Psf] lyof] . af3 aif{n] tof/ u/]sf] km/flsnf] Joj;flos cfwf/lznf kZrft cf=j=)&).&! nfO{ Ælrt'jf aif{Æ 3f]if0ff ul/ b|"tultdf cfkm\gf] ahf/lx:;fdf pRrtd c+z cf]u6\g] k|of; ul/Psf] Jfflif{s ;ldIff cf = j = @)&!÷&@ ! ;jf{lws k|yd aLdf z'Ns cfDbfgL ?= #*( s/f]8 @ ;jf{lws s'n aLdf z'Ns cfDbfgL ?= *)( s/f]8 # ;jf{lws j}b]lzs /f]huf/ DofbL hLjg aLdfaf6 k|fKt aLdf z'Ns cfDbfgL ?= ^)=^! s/f]8 $ ;jf{lws r'Stf k'FhL ?= !&#=$) s/f]8 % ;jf{lws af]g; b/ 3f]if0ff -k|lt jif{ k|lt xhf/ aLdf°_ ?= ^%–*@ ;Dd ^ ;jf{lws nfef+z 3f]if0ff -gub tyf af]g; z]o/_ ^*=%lsgls hLjg cd"No 5=== k| d' v sfo{ sf/L clws[ t >L ljj] s emf Ho" sf] dGtJo lyof] . h'g ;kmn /0fgLlt ;fljt eof] . /0fgLltsf] ;kmn sfof{Gjogsf] s|ddf ;ldIff aif{nfO{ æxfQL aif{Æ -Elephant Year_ sf] ?kdf 3f]if0ff ul/Psf] lyof] . ahf/lx:;fdf k|ltikwL{nfO{ km/flsnf] cGt/df sfod /fVg' g} xfÎfL aif{ xf] . ;ldIff cjlwdf gofF Joj;fodf ;jf{lws Joj;fo xfl;n eO{ pRr ahf/lx:;f cf]u6\g ;kmn ePsf]n] xfQL aif{ Ps ;kmn ahf/ /0fgLlt k|dfl0ft ePsf] xf] . ;ldIff cjlwdf aLldtx? tyf z]o/wgL dxfg'efjx?nfO{ pRr k|ltkmnsf] 3f]if0ff, nuftf/ bf];|f] k6s Best Managed Life Insurance Company Award af6 ;Ddflgt h:tf pknAwLn] g]kfn nfOkm;+u ;Da4 ;a} kIfnfO{ uf}/jflGjt t'NofPsf] 5 . sDkgLsf] ahf/ k|j4{gdf ;xof]u k'/\ofpg sDkgLsf lalaw ultlalwx? ;d]l6Psf] d'vkqsf] k|sfzg s]xL aif{ b]lv yfngL u/]sf 5f}+ . ;a}sf] ;sf/fTds ;'emfjsf] ck]Iff ub{5f}+ . hLjg aLdfsf] dfWodaf6 cfd hgtfsf] ;'/Iff / ;Da[l4sf] rfxgfnfO{ kl/k"lt{ ug]{ pb]Zosf ;fy :yfkgf ePsf] o; sDkgLn] ;fdflhs ;'/Iffsf] a[xt efjgf lasf; ub}{ d'n'ssf] cfly{s lasf;df ;+:yfut of]ubfg lbg] sfo{df cu|0fL e"ldsf lgjf{x ul//x]sf] Joxf]/f oxfFx? ;a}df ljlbt} 5 . hLjg aLdfsf] dfWodaf6 art ug]{ afgLsf] lasf; ug{ / d'n'se/ hLjg aLdf ;r]tgf la:tf/ ug{ z;St 9+un] cufl8 al9/x]sf] Joxf]/f hfgsf/L u/fpFb5f}+ . æcgGt cfsfzæ h:t} c;Lldt ;+Defjgf af]s]sf] hLjg aLdf If]qdf sDkgLsf] :yfg ;bf;j{bf pFrf] agfO{/fVg xfdL k|lta4 5f}+ . hLjg aLdf k|lt cfd dflg;sf] ;sf/fTds b[li6sf]0fsf sf/0f hLjg aLdf If]q km/flsnf] x'b} uO{/x]sf] 5 . s]xL aif{b]lv hLjg aLdf If]q cfddflg;sf] nufgL tyf ;'/Iffsf] dxTjk"0f{ If]qsf] ?kdf /xg uO{ o; If]q cfd rf;f]sf] laifo aGb} uO{/x]sf] 5 . o; If]qnfO{ ;Ddfghgs :yfgdf k'/\ofpg sDkgLn] x/;Dej k|of; ub}{ cfPsf] tYo xfd|f ;fd' :ki6 5 . oBkL o; If]qdf cem} klg r'gf}ltx? laBdfg 5g\ . tLa| k|ltZkwf{Tds aftfa/0fn] ;[hgf u/]sf s]xL r'gf}ltx?sf ;fy;fy} Joltt aLdfn]v ;+Vofdf a[l4, aLdfn]v ;dk{0fdf a[l4, aLdf of]hgfsf laz]iftfsf af/] Go"g 1fg tyf af]g;b/ cyf{t k|ltkmnsf af/] cgle1tf h:tf laifox?df Jofks hgr]tgf la:tf/ ug{ ;s] ;fFrf] cy{df aLldtsf] lxt x'g] b]lvG5 . o;} s'/fnfO{ dWogh/ ul/ sDkgLn] æaLldtsf] lxt ;jf]{kl/ lxtÆ, Æ;a}sf nflu hLjg aLdf, lsgsL hLjg cd"No 5æ h:tf gf/f cufl8 ;f/L tbg"?k sfo{ ub}{ cfO{/x]sf] 5 . sDkgLdf sfo{/t tdfd clestf{x?af6 o; sfo{df dxTjk"0f{ ;xof]u k|fKt eO{/x]sf] 5 . sDkgLn] If]qLo sfof{nosf] k|efjsf/L kl/rfng ul/ zfvf sfof{no cg'udg tyf n3'aLdfsf] dfWodaf6 Go"g cfo ePsf ;d'bfo;Dd aLdfsf] kxF'r k'/\ofpg] Joj:yf ldnfO{Psf] 5 . sd{rf/L / clestf{ aLrsf] k]zfut ;DaGwnfO{ yk k|uf9 agfpb} aLldtsf] ;jf]{kl/ lxtsf] /Iffy{ sfo{ ul/ o; sDkgLnfO{ hLjg aLdfsf] kof{osf] ?kdf lasf; ug{ k|lta4 5f}+ . d'n'sn] csNklgo ?kdf lagf;sf/L dxfe"sDksf] ;fdgf ul//x]sf] 5 . o; dxfljklQsf sf/0f x'g uPsf] hgwgsf] 7"nf] Iflt k|lt xfdL ulx/f] b'Mv JoSt ub{5f}+ . cfd dflg;df hLjg aLdf k'Ug g;s]sf] tYo o; e'sDkdf d[To"ePsf JolStx? dWo] cToGt Go"g dfqn] hLjg aLdf u/]sf] kfO{Psf]n] cfly{s hf]lvd Go"lgs/0fsf] Ps pkfosf] ?kdf hLjg aLdfnfO{ cfTd;fy ug{ k|l/t ul/g'kb{5 . ;/sf/ gLhL If]qsf] ;xsfo{af6 o; lbzfdf 7f]; sfo{ ug{ ;lsg] laZjf; lnPsf 5f}+ . cGTodf, ;kmntfsf] xfd|f] ofqfdf ;fy lbg'x'g] ;Da4 ;a}df k'gM xflb{s cfef/ k|s6 ub{5' .

lsgls hLjg cdNo 5===nepallife.com.np/images/Nepal Life News Letter_3Edition_2015.pdf · FPI Market Share Growth Product Portfolio 17% 18% 20% 23% 22% 24% 25% 31% 36% 0.1 5 0.2 0.2

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Page 1: lsgls hLjg cdNo 5===nepallife.com.np/images/Nepal Life News Letter_3Edition_2015.pdf · FPI Market Share Growth Product Portfolio 17% 18% 20% 23% 22% 24% 25% 31% 36% 0.1 5 0.2 0.2

jif{ # c+s # sf7df8f}+ >fj0f @)&@Nepal Life Newsletter

g]kfn nfOkm OG:of]/]G; sDkgLn]] cfd g]kfnL hLjgsf] ;'/Iff / ;Da[l4sf] rfxgfnfO{ k'/f ub}{ pgLx?nfO{ cfly{s ?kdf ;'/lIft agfO{ k|To]s gful/ssf] of]ubfgaf6 Ps :j:y, ;Da[4 /fi6« lgdf{0f ug]{ kl/sNkgfnfO{ ;fsf/ t'Nofpg] cleofgdf laut !% aif{b]lvsf] xfd|f] cljrlnt ofqf Ps kl5 csf]{ ;kmntfsf ;fy hf/L 5======. o; 3l8df xfdL ;Dk"0f{ aLldt, cles{tf, sd{rf/L, z]o/wgL tyf ;Da4 ;a}df xflb{s awfO{ Pj+ z'esfdgf JoSt ub{5f}+ . æcgGt cfsf;Æ ;/L cl;ldt ;Defjgf af]s]sf] hLjg aLdf ahf/nfO{ Jofks la:tf/ ul/ ufFpm ufFpmdf hLjg aLdf ;]jf k|bfg ug]{ sfo{df s[t;+slNkt 5f}+ . sDkgLn] cf=j=)^(.)&) nfO{ Æaf3 aif{Æ 3f]if0ff ul/ af3sf] cGt{lglxt u'0fx? h:t}M /0fgLlts, w}o{jfg Pj+ cfs|fds z}nLnfO{ sDkgLsf] ahf/ /0fgLlt agfO{Psf] lyof] . af3 aif{n] tof/ u/]sf] km/flsnf] Joj;flos cfwf/lznf kZrft cf=j=)&).&! nfO{ Ælrt'jf aif{Æ 3f]if0ff ul/ b|"tultdf cfkm\gf] ahf/lx:;fdf pRrtd c+z cf]u6\g] k|of; ul/Psf]

Jfflif{s ;ldIffcf =j =@)&!÷&@

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@ ;jf{lws s'n aLdf z'Ns cfDbfgL ?= *)( s/f]8

# ;jf{lws j}b]lzs /f]huf/ DofbL hLjg aLdfaf6 k|fKt aLdf z'Ns cfDbfgL ?= ^)=^! s/f]8

$ ;jf{lws r'Stf k'FhL ?= !&#=$) s/f]8

% ;jf{lws af]g; b/ 3f]if0ff -k|lt jif{ k|lt xhf/ aLdf°_ ?= ^%–*@ ;Dd

^ ;jf{lws nfef+z 3f]if0ff -gub tyf af]g; z]o/_ ^*=%∞

lsgls hLjg cd"No 5===

k|d'v sfo{sf/L clws[t >L ljj]s emf Ho"sf] dGtJo

lyof] . h'g ;kmn /0fgLlt ;fljt eof] . /0fgLltsf] ;kmn sfof{Gjogsf] s|ddf ;ldIff aif{nfO{

æxfQL aif{Æ -Elephant Year_ sf] ?kdf 3f]if0ff ul/Psf] lyof] . ahf/lx:;fdf k|ltikwL{nfO{

km/flsnf] cGt/df sfod /fVg' g} xfÎfL aif{ xf] . ;ldIff

cjlwdf gofF Joj;fodf ;jf{lws Joj;fo xfl;n eO{

pRr ahf/lx:;f cf]u6\g ;kmn ePsf]n] xfQL aif{ Ps

;kmn ahf/ /0fgLlt k|dfl0ft ePsf] xf] . ;ldIff cjlwdf aLldtx? tyf z]o/wgL dxfg'efjx?nfO{ pRr k|ltkmnsf] 3f]if0ff, nuftf/ bf];|f] k6s Best Managed Life Insurance Company Award af6 ;Ddflgt h:tf pknAwLn] g]kfn nfOkm;+u ;Da4 ;a} kIfnfO{ uf}/jflGjt t'NofPsf] 5 . sDkgLsf] ahf/ k|j4{gdf ;xof]u k'/\ofpg sDkgLsf lalaw ultlalwx? ;d]l6Psf] d'vkqsf] k|sfzg s]xL aif{ b]lv yfngL u/]sf 5f}+ . ;a}sf] ;sf/fTds ;'emfjsf] ck]Iff ub{5f}+ .

hLjg aLdfsf] dfWodaf6 cfd hgtfsf] ;'/Iff / ;Da[l4sf] rfxgfnfO{ kl/k"lt{ ug]{ pb]Zosf ;fy :yfkgf ePsf] o; sDkgLn] ;fdflhs ;'/Iffsf] a[xt efjgf lasf; ub}{ d'n'ssf] cfly{s lasf;df ;+:yfut of]ubfg lbg] sfo{df cu|0fL e"ldsf lgjf{x ul//x]sf] Joxf]/f oxfFx? ;a}df ljlbt} 5 . hLjg aLdfsf] dfWodaf6 art ug]{ afgLsf] lasf; ug{ / d'n'se/ hLjg aLdf ;r]tgf la:tf/ ug{ z;St 9+un] cufl8 al9/x]sf] Joxf]/f hfgsf/L u/fpFb5f}+ . æcgGt cfsfzæ h:t} c;Lldt ;+Defjgf af]s]sf] hLjg aLdf If]qdf sDkgLsf] :yfg ;bf;j{bf pFrf] agfO{/fVg xfdL k|lta4 5f}+ . hLjg aLdf k|lt cfd dflg;sf] ;sf/fTds b[li6sf]0fsf sf/0f hLjg aLdf If]q km/flsnf] x'b} uO{/x]sf] 5 . s]xL aif{b]lv hLjg aLdf If]q cfddflg;sf] nufgL tyf ;'/Iffsf] dxTjk"0f{ If]qsf] ?kdf /xg uO{ o; If]q cfd rf;f]sf] laifo aGb} uO{/x]sf] 5 . o; If]qnfO{ ;Ddfghgs :yfgdf k'/\ofpg sDkgLn] x/;Dej k|of; ub}}{ cfPsf] tYo xfd|f ;fd' :ki6 5 . oBkL o; If]qdf cem} klg r'gf}ltx? laBdfg 5g\ . tLa| k|ltZkwf{Tds aftfa/0fn] ;[hgf u/]sf s]xL r'gf}ltx?sf ;fy;fy} Joltt aLdfn]v ;+Vofdf a[l4, aLdfn]v ;dk{0fdf a[l4, aLdf of]hgfsf laz]iftfsf af/] Go"g 1fg tyf af]g;b/ cyf{t k|ltkmnsf af/] cgle1tf h:tf laifox?df Jofks hgr]tgf la:tf/ ug{ ;s] ;fFrf] cy{df aLldtsf] lxt x'g] b]lvG5 . o;} s'/fnfO{ dWogh/ ul/ sDkgLn] æaLldtsf] lxt ;jf]{kl/ lxtÆ, Æ;a}sf nflu hLjg aLdf, lsgsL hLjg cd"No 5æ h:tf gf/f cufl8 ;f/L tbg"?k sfo{ ub}{ cfO{/x]sf] 5 . sDkgLdf sfo{/t tdfd clestf{x?af6 o; sfo{df dxTjk"0f{ ;xof]u k|fKt eO{/x]sf] 5 . sDkgLn] If]qLo sfof{nosf] k|efjsf/L kl/rfng ul/ zfvf sfof{no cg'udg tyf n3'aLdfsf] dfWodaf6 Go"g cfo ePsf ;d'bfo;Dd aLdfsf] kxF'r k'/\ofpg] Joj:yf ldnfO{Psf] 5 . sd{rf/L / clestf{ aLrsf] k]zfut ;DaGwnfO{ yk k|uf9 agfpb} aLldtsf] ;jf]{kl/ lxtsf] /Iffy{ sfo{ ul/ o; sDkgLnfO{ hLjg aLdfsf] kof{osf] ?kdf lasf; ug{ k|lta4 5f}+ . d'n'sn] csNklgo ?kdf lagf;sf/L dxfe"sDksf] ;fdgf ul//x]sf] 5 . o; dxfljklQsf sf/0f x'g uPsf] hgwgsf] 7"nf] Iflt k|lt xfdL ulx/f] b'Mv JoSt ub{5f}+ . cfd dflg;df hLjg aLdf k'Ug g;s]sf] tYo o; e'sDkdf d[To"ePsf JolStx? dWo] cToGt Go"g dfqn] hLjg aLdf u/]sf] kfO{Psf]n] cfly{s hf]lvd Go"lgs/0fsf] Ps pkfosf] ?kdf hLjg aLdfnfO{ cfTd;fy ug{ k|l/t ul/g'kb{5 . ;/sf/ gLhL If]qsf] ;xsfo{af6 o; lbzfdf 7f]; sfo{ ug{ ;lsg] laZjf; lnPsf 5f}+ . cGTodf, ;kmntfsf] xfd|f] ofqfdf ;fy lbg'x'g] ;Da4 ;a}df k'gM xflb{s cfef/ k|s6 ub{5' .

Page 2: lsgls hLjg cdNo 5===nepallife.com.np/images/Nepal Life News Letter_3Edition_2015.pdf · FPI Market Share Growth Product Portfolio 17% 18% 20% 23% 22% 24% 25% 31% 36% 0.1 5 0.2 0.2

jflif{s ;ldIff cf= j= @)&!÷&@

TPI & FPI - Growth (In Crores) Investment Growth (In Crores)

Life Fund Growth (In Crores) TPI Market Share Growth

FPI Market Share Growth Product Portfolio

17%18%

20%

23%22%

24%

25%

31%

36%

0.15

0.2

0.25

0.3

0.35

0.4

2063/64 2064/65 2065/66 2066/67 2067/68 2068/69 2069/70 2070/71 2071/72

18 28 57 83 107 158229 276

386

549

883

1,123

1,440

1,834

2,451

0

500

1000

1500

2000

2500

1 8 22 49 88 132197

276393

553

765

978

1,374

1,705

2,365

0

500

1000

1500

2000

2500

Anticipated1562330584

41%

Child Plan289777213

8%

Endowment Assurance

39588281911%

Jiwan Sahara392478698

10%

Jiwan Jyoti489512070

13%

Foreign Employment606125412

16%

Others30012922

1%

1 8% 11% 16% 17% 15% 23% 27%47%

78% 74%

123%148%

271%

389

1%9% 19% 33% 47% 58%

77%96%

135%

198%232%

320%

390%

568%

809

0

50

100

150

200

250

300

350

400

450

500

550

600

650

700

750

800

850

CR

OR

ES

FPI

TPI

23%

19%

26%

33%

41%

43%

0.15

0.2

0.25

0.3

0.35

0.4

0.45

2066/67 2067/68 2068/69 2069/70 2070/71 2071/72

Page 3: lsgls hLjg cdNo 5===nepallife.com.np/images/Nepal Life News Letter_3Edition_2015.pdf · FPI Market Share Growth Product Portfolio 17% 18% 20% 23% 22% 24% 25% 31% 36% 0.1 5 0.2 0.2

jflif{s ;ldIff cf= j= @)&!÷&@

kmf]gM $!^()*@ . ofS;M $!^()&( . Od]nM [email protected] j]j;fO6M www.nepallife.com.np . www.facebook.com/Nepallife.Insurance

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