jf;nftn]vf kl/If0f gePsf] n]vf kl/If0f gePsf] n]vf kl/If0f gePsf]

qm=;+= ljj/0f o; q}dfl;ssf] cGTo ;Dddf cl3Nnf] q}dfl;ssf] cGTo ;Dddf cl3Nnf] cf=a=sf] ;DalGwt q}dfl;ssf] cGTo ;Dddf! >f]t -!=! b]lv !=% ;Dd_ 36,932,255,385 34,729,428,298 27,430,514,298 !=! r'Qmf k"FhL 2,167,500,000 2,167,500,000 1,734,000,000 !=@ hu]8f tyf sf]if 318,213,521 259,246,463 73,733,050 !=# hLjg aLdf sf]if 34,289,803,086 32,145,943,057 25,538,765,150 !=$ dxfljkQL sf]if hu]8f 156,738,778 156,738,778 84,016,097 !=% ltg{ afFsL bL3{sflng C0f tyf ;fk6L - - - @ pkof]u -@=! b]lv @=^ ;Dd_ 36,932,255,385 34,729,428,298 27,430,514,298 @=! l:y/ ;DklQ -v'b_ 314,582,670 319,395,787 330,326,295 @=@ lb3{sflng nufgL tyf shf{ 11,660,146,703 6,002,631,987 10,596,765,267 @=# aLdfn]vsf] lwtf]df shf{ 4,340,409,406 3,815,623,244 2,562,037,932 @=$ v'b rfn' ;DklQ -#–$_ 20,608,164,518 24,582,825,193 13,929,206,821 @=% ckn]vg jf ;dfof]hg x'g afFsL ljljw vr{ 8,952,087 8,952,087 12,177,982 @=^ gfkmf gf]S;fg lx;fjaf6 ;f/]sf] gf]S;fg - - -

v'b rfn' ;DklQsf] ljj/0f

# rfn' ;DklQ shf{ tyf k]ZsLx? -#=! b]lv #=# ;Dd_ 21,825,484,282 26,147,611,535 15,097,253,395 #=! gub tyf a}+s df}Hbft 45,317,156 188,562,185 75,992,101 #=@ cNksflng nufgL tyf shf{ 19,428,980,833 24,125,883,182 13,278,175,037 #=# cGo ;DkQL 2,351,186,293 1,833,166,168 1,743,086,258 $ rfn' bfloTj tyf Aoj:yfx? -$=! b]lv $=$ ;Dd_ 1,217,319,764 1,564,786,342 1,168,046,574 $=! rfn' bfloTj 398,783,088 800,999,412 356,907,930 $=@ c;dfKt hf]lvd jfkt Aoj:yf 307,483,708 307,483,708 396,855,034 $=# e'QmfgL x'g afFsL bfjL jfkt Joj:yf 348,434,146 325,135,658 191,151,789 $=$ cGo Aoj:yf 162,618,823 131,167,564 223,131,820

gfkmf–gf]S;fg lx;fa

! cfDbfgL -!=! b]lv !=% ;Dd_ 104,363,661 545,767,397 78,930,463 !=! cfo Aoo lx;fjaf6 ;f/]sf] 67,400,700 335,468,935 38,891,060 !=@ hLjg aLdf sf]ifaf6 ;f/]sf]* - - - !=# nufgL shf{ tyf cGoaf6 cfo 36,962,961 162,476,461 40,039,403 !=$ Aoj:yf lkmtf{ - 47,822,001 - !=% cGo cfDbfgL - - - @ Aoj:yf tyf vr{x? -@=! b]lv @=*_ 45,396,603 321,298,103 62,456,724 @=! Aoj:yfkg vr{ 10,521,593 286,338,853 14,040,245 @=@ ckn]vg vr{ - - - @=# cGo vr{ - - - @=$ gf]S;fgLsf] nflu Aoj:yf 24,072,844 658,092 42,546,475 @=% sd{rf/L cfjf; Aoj:yf - - @=^ sd{rf/L af]g; Aoj:Yff 6,342,212 23,520,373 2,030,960 @=& cfos/ 4,459,954 10,780,785 3,839,044 @=* hLjg aLdf sf]ifdf ;f/]sf] - -

v'b gfkmf÷gf]S;fg -!–@_ 58,967,058 224,469,294 16,473,738 * sDkgLsf] cf=j= @)&@÷ sf] hLjg aLdf sf]ifaf6 ;fl/g] d'gfkmf ;dfj]z ul/Psf] 5}g .

Plss[t cfo–Joo lx;fa

! cfo -!=! b]lv !=& ;Dd_ 3,891,985,526 13,115,408,993 3,109,512,223 !=! aLdfz'Ns -v'b_ 2,660,562,265 10,135,139,319 1,999,406,304 !=@ k'gaL{df sldzg cfo 2,000,000 14,865,173 1,000,000 !=# nufgL, shf{ tyf cGoaf6 cfo 468,675,748 1,975,936,122 461,666,090 !=$ aLdfn]vsf] lwtf]df shf{af6 cfo 107,686,186 312,955,293 63,309,906 !=% cGo k|ToIf cfo 20,441,959 105,724,782 13,723,059 !=^ o; jif{sf] z'?sf] e'QmfgL x'g afFsL bfjL jfkt Aoj:yf 325,135,659 173,551,827 173,551,830 !=& o; jif{sf] z'?sf] c;dfKt hf]lvd afkt Joj:yf 307,483,708 397,236,477 396,855,034 @ Aoo -@=! b]lv @=!) ;Dd_ 1,680,724,797 3,925,007,776 1,286,571,677 @=! bfjL e'QmfgL -v'b_ 586,154,608 1,331,024,768 273,621,023 @=@ clestf{ sldzg 253,099,109 1,147,957,436 228,171,691 @=# :jf:Yo kl/If0f z'Ns 947,008 6,057,447 904,789 @=$ k'gaL{df sldzg vr{ - - - @=% ;]jf z'Ns -v'b_ 26,605,623 101,094,070 19,994,063 @=^ cGo k|ToIf vr{ 225,566 5,081,216 - @=& Aoj:yfkg vr{ 94,694,335 646,141,523 126,362,207 @=* cfos/ 63,080,695 55,031,950 49,511,080 @=( o; cjlwsf] cGTosf] e'QmfgL x'g afFsL bfjL jfkt 348,434,146 325,135,658 191,151,789 @=!) o; cjlwsf] cGTosf] c;dfKt hf]lvd jfkt Aoj:yf 307,483,708 307,483,708 396,855,034 # jrt -!–@_ 2,211,260,729 9,195,849,576 1,822,940,546 #=! hLjg aLdf sf]ifdf ;f/]sf] 2,143,860,029 8,854,932,282 1,784,049,486 #=@ gfkmf gf]S;fg lx;fadf ;f/]sf] 67,400,700 335,468,935 38,891,060

cGo ljj/0f

!=s'n aLdfz'Ns cfh{g /sd -?=xhf/df_ -xfn ;Dd_ 42,860,884 40,157,087 25,416,963s'n aLdfz'Ns cfh{g /sd -?=xhf/df_ -o; cf=j=_ 2,703,797 10,256,189 2,029,778

@= s'n sfod /x]sf] aLdfn]vsf] ;+Vof 1,020,077 1,243,822 985,596#= 3f]lift d'gfkmf -af]g;_ sf] b/ -&!–&@ ;Ddsf]_ k|lt xhf/ ?= ^@÷– b]lv ?= *@÷– k|lt xhf/ ?= ^@÷– b]lv ?= *@÷– ;Dd k|lt xhf/ ?= ^@÷– b]lv ?= *@÷– ;Dd$= cGtl/d d'gfkmf -af]g;_ sf] b/ -&@– b]lv xfn ;Dd_ k|lt xhf/ ?= ^@÷– b]lv ?= *@÷– k|lt xhf/ ?= ^@÷– b]lv ?= *@÷– ;Dd k|lt xhf/ ?= ^@÷– b]lv ?= *@÷– ;Dd%= s'n bfjL e'QmfgL /sd -?=xhf/df_ 609,453 1,337,777 436,307^= s'n bfjL e'QmfgL ;+Vofdf 6,175 19,224 9,024&= e'QmfgL x'g afFsL bfjL /sd -?=xhf/df_ 348,434 325,136 191,152

!_ ljlQo ljj/0fM s_ k|yd q}dfl;s cjlwsf] jf;nft, cfoJoo lx;fa tyf gfkmf gf]S;fg lx;fa ;DaGwL ldlt @)÷)&÷@* ut]sf] sf/f]af/ b}lgs klqsfdf k|sflzt ul/Psf] 5 . v_ k|d'v lalQo cg'kftx? M

*k|lt z]o/ cfDbfgL M !)=** k|lt z]o/ g]6jy{ M !@!=(! lk=O{= cg'kft M #&@=!& k|lt z]o/ s'n ;DklQsf] d"No M !,&%(=^^ cf};t k|ltkmn b/ M &=#! *pk/f]Qm ljlQo cg'kftx?df cf=j )&@÷ sf] aLdfÍLo d"NofÍgaf6 k|fKt x'g] d'gfkmf u0fgf ul/Psf] 5}g . sDkgLn] cf=j=@)÷&$ sf] k|yd q}dfl;s cjlw ;Dddf ?= %=() s/f]8 d'gfkmf cfh{g ug{ ;kmn ePsf] 5 . ut jif{ ;f]lx cjlwdf ?=!=^% s/f]8 d'gfkmf cfh{g ePsf] lyof] . pQm d'gfkmfsf] bfFhf]

df o; ;ldIff jif{sf] d'gfkmfdf @%&=(% k|ltztn] a[l4 ePsf] 5 . ;f] ljlQo ljj/0fdf cfo Joo lx;faaf6 ?= @!$=#( s/f]8 hLjg jLdfsf]ifdf ;f/L s'n hLjg jLdfsf]if ?=#,$@*=(* s/f]8 ePsf] 5 .

@_ Joj:yfklso ljZn]if0fM s_ sDkgLsf] k|yd q}dfl;s cjlw;Dddf s'n jLdfz'Ns cfh{g ?=@&)=#* s/f]8 /x]sf] 5 h'g ut aif{sf] ;f]lx cjlwdf k|fKt s'n jLdfz'Ns ?= @)@=(* s/f]8sf] t'ngfdf ##=@! k|ltztn] a[4L ePsf] xf] . sDkgLn]

clËsf/ u/]sf] ;dofg's'n ahf/ k|j4{g /0fgLlt tyf a9\bf] hgr]tgfsf sf/0f Joj;fo a[l4df ;sf/fTds of]ubfg ldn]sf] 5 . sDkgLn] o; k|yd q}dfl;s cjlw;Dddf s'n ?= ^)=(% s/f]8 bfjL e'QmfgL u/]sf] 5 . sDkgLn] ;s];Dd l56f] / 5l/tf] tl/sfn] jLldtx?sf] bfjL e'QmfgL ug{] gLlt cjnDag u/]sf] 5 . sDkgLsf] s'n cfDbfgL

pT;fxhgs /xL t/ntfsf] l:ylt ;Gtf]ifhgs /x]sf] 5 . sDkgLn] k|yd q}dfl;s cjlw;Dddf ?= #%=$# cj{ e/kbf{] Pj+ ;'/lIft If]qdf nufgL ug{ ;kmn ePsf] 5 h'g ut aif{sf] ;f]lx cjlw;Ddsf] s'n nufgL ?= @^=$$ cj{ df #$=)) k|ltztsf] a[4L xf] . ljwdfg

jhf/df nufgLsf] k|ltkmn clt Go"g x'b} uO{ /x]sf] cj:yfdf klg sDkgLn] ljutsf aif{x?df pRr Aofh b/df lb3{sflng nufgL u/]sf] sf/0f tyf ljleGg klAns lnld6]8 sDkgLsf] z]o/df u/]sf] nufgLaf6 k|fKt pQd k|ltkmnsf sf/0f o; cjlw;Ddsf] cf};t k|ltkmn ;d]t pT;fxhgs /x]sf] 5 .

v_ sDkgLn] laBdfg k|lt:kwf{Tds cj:yfdf ;dofg's'n Joj;flos of]hgf / /0fgLlt cjnDag ub{} cfPsf] 5 kmn:j?k, sDkgLsf] Joj;flos la:tf/df tLa|tf tyf jLldtx?nfO{ pRr :t/Lo ;]jf lbg nIo cg'?k pknAwL xfl;n ub{} uPsf] / afFsL cjlwdf klg Joj;fo tyf ;]jf lj:tf/df ljz]if Wofg lbg] nIo lnPsf] 5 .

u_ lautsf] cg'ejaf6 sDkgLsf] df}Hbft, gfkmf jf gub k|jfxdf tflTjs c;/ kfg{ ;Sg] 36gf, cj:yf cflb b]lvPsf] 5}g .#_ sfg"gL sf/jfxL ;DaGwL ljj/0f M gePsf] .$_ ;+ul7t ;+:yfsf] z]o/ sf/f]jf/ ;DaGwL ljZn]if0fM s_ ;ldIff cjlwdf ePsf] sDkgLsf] z]o/ sf/f]jf/ jf:tljs / oyft{k/s /x]sf] kfPsf 5f}+ . v_ q}dfl;s cjlwsf] z]o/ sf/f]af/sf] laj/0f lgDg adf]lhd /x]sf] 5 .

clwstd d"No M ? $,$#) Go"gtd d"No M ¿= #,$!! clGtd d"No M ¿= $,)%) sf/f]af/ ;+Vof M @,(&,!*! lsQf sf/f]af/ lbg M %% lbg

%_ ;d:of / r'gf}tLM d'n'sdf hLjg jLdf Joj;fosf] ;Defjgf pRr /x]sf]n] hLjg jLdf k|lt cfd dflg;df ;sf/fTds efjgfsf] ljsf; ug{ hLjg jLdfnfO{ ;fdflhs ;'/Iff tyf cg';flzt artsf] dfWodsf] ?kdf :yflkt ul/ jLdf hfu/0f cleofg ;+rfngsf] vfFrf] /x]sf] 5 . cy{tGqdf bL3{sflng nufgLsf] cj;/ Go"g ePsf]n] k/Dk/fut nufgLsf If]qx?df dfq nufgL Plss[t eO/xg] x'Fbf s]lGb«t hf]lvdsf] cj:yf /x]sf] 5 . o2kL sDkgLn] ;dofg's'n Joj;flos /0flgltsf] sfof{Gjog4f/f r'gf}tLx?nfO{ cj;/df kl/0ft ub{} hfg]df ljZjf; lnPsf] 5 .

^_ ;+:yfut ;'zf;gM sDkgLn] kf/blz{tf tyf hjfkmb]lxtfnfO{ klxnf] k|fyldstfdf /fVb} cfPsf] 5 . sDkgLsf] cgnfO{g sf/f]jf/ k|0ffnLn] cfGtl/s lgoGq0f k|0ffnL r':t /fVg ;xof]u k'/\ofPsf] 5 . sDkgLn] cfkmgf] lx;fa lstfa ;j{dfGo n]vf l;4fGt, g]kfn n]vfdfg dfkb08 cg'?k /fVb} sDkgLsf] sf/f]jf/x?nfO{ ;dod} n]vf kl/If0f ub}{ cfPsf] 5 . sDkgLn] cfkmgf] cfGtl/s lgoGq0fnfO{ ;an agfpg cfGtl/s n]vf kl/Ifssf] ?kdf :jtGq rf6{8{ PsfpG6]G6nfO{ lgo'lQm ul/ k|To]s q}dfl;s cjlwsf] k|ltj]bg k|fKt ul/ 5nkmn kZrft jLdf ;ldltdf k7fpg] ul/Psf] 5 . sDkgLn] aLdf ;ldlt åf/f hf/L ;+:yfut ;'zf;g ;DaGwL lgb{]lzsf adf]lhdsf k|fjwfgx? sfof{Gjog ub{} ;+:yfut ;'zf;g sfod ug]{ tkm{ Joj:yfkg b[9 /x]sf] 5 .

&_ ;To, tYotf ;DaGwdf sfo{sf/L k|d'vsf] pb\3f]if0fM cfhsf ldlt;Dd o; k|ltj]bgdf pNn]lvt hfgsf/L tyf laj/0fx?sf] z'4tf ;DaGwdf d JolStut ?kdf pQ/bfloTj lnG5' . ;fy} d of] pb\3f]if ub{5' ls d}n] hfg] a'em];Dd o; k|lta]bgdf pNn]lvt laj/0fx? ;To, tYo / k"0f{ 5g\ / nufgLstf{x?nfO{ ;";'lrt lg0f{o lng cfjZos s'g} laj/0f, ;"rgf tyf hfgsf/Lx? n'sfO{Psf] 5}g .

*_ lgod @@ -%_ ;+u ;DalGwt ljz]if 36gf jf kl/l:ylt ;DaGwL ljj/0fM gePsf] .

/lhi68{ sfof{noM d]g/f]8 jL/u~h -k;f{_k|wfg sfof{noM x]l/6]h Knfhf !, bf]>f] tNnf, sdnfbL, sf7df8f}+kmf]g gDa/M (&&–!–$!^()*@÷*#÷*%, k\mofS; g+= (&&–!–$!^()&(www.nepallife.com.np info@nepallife.com.np

0

50

100

150

200

250

300

1st Qtr- FY72.73 1st Qtr- FY73.74

Total Gross Premium Income in Crore

0

500

1000

1500

2000

2500

3000

3500

4000

2057

/58

2058

/59

2072

/73

2073

/74*

2059

/60

2060

/61

2061

/62

2062

/63

2063

/64

2064

/65

2065

/66

2066

/67

2067

/68

2068

/69

2069

/70

2070

/71

2071

/72

Life Assurance Fund in Crore

0

500

1000

1500

2000

2500

3000

3500

4000

2057

/58

2058

/59

2059

/60

2060

/61

2061

/62

2062

/63

2063

/64

2064

/65

2065

/66

2066

/67

2067

/68

2068

/69

2069

/70

2070

/71

2071

/72

2072

/73

2073

/74*

Total Investment in Crore

Conven onal Policy

(Par cipatory) 79%

Term Life Policy21%

Composi on of FPI ll 1st Qtr of FY 73.74

Conven onal Policy (Par cipatory) Term Life Policy