Compare · Life Insurance
CLI vs HLI
Citizen Life Insurance and Himalayan Life Insurance, side by side: what Rs 100 became, the figures NEPSE publishes, dividends and each against its sector.
Close · 16 Oct 2026NEPSE published data, may be delayed
Citizen Life Insurance Company Limited
Himalayan Life Insurance Limited
Rs 100 became…
- CLIRs 100 becameRs 102.44+2.44% up in 1 year
- HLIRs 100 becameRs 86.17−13.83% down in 1 year
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Rs 100 in each on the first session of the period, adjusted for bonus shares. Cash dividends are not added back. To the close of 16 Oct 2026.
In plain words
On 16 Oct 2026, CLI (Citizen Life Insurance Company Limited) closed at Rs 445.80 and HLI (Himalayan Life Insurance Limited) at Rs 306.00. Over the past year, Rs 100 in CLI became Rs 102 (+2.44%) and in HLI Rs 86 (−13.83%), adjusted for bonus shares.
HLI is the larger company by market value, Rs 2,798 crore against Rs 2,229 crore. Of the 14 life insurance Punji covers, CLI is 8th by market value and HLI 4th. Cash dividends with a book closure in the last 12 months yield 4.49% on CLI and nothing on HLI at the latest close.
Side by side
marks the higher figure. Higher is not better or worse by itself.
| CLILife Insurance | HLILife Insurance | |
|---|---|---|
| Price and returns | ||
| Close, Rs | 445.80 | 306.00 |
| Change, as NEPSE published | +1.20% up | +0.26% up |
| Rs 100 became, 1 year | Rs 102.44, the higher figure | Rs 86.17 |
| Return, 1 month | +4.16% up, the higher figure | −1.13% down |
| Return, 1 year | +2.44% up, the higher figure | −13.83% down |
| 52-week range | ||
| Size and shares | ||
| Market value | Rs 2,229 cr | Rs 2,798 cr, the higher figure |
| Listed shares | 5.00 crore | 9.14 crore, the higher figure |
| Promoter and public | Promoter 70.0%Public 30.0% | Promoter 51.0%Public 49.0% |
| Dividends | ||
| Cash dividend yield, 12 months | 4.49% | None in 12 months |
| Latest declaration | 20% cash2081/82 | None declared2081/82 |
| Trading | ||
| Traded value, last 30 days | Rs 21.00 cr | Rs 42.88 cr, the higher figure |
| Shares traded, latest session | 18,194 | 36,110, the higher figure |
| From the quarterly reports | ||
| EPS, P/E, book value and price to book for both, from their latest quarterly reports. | ||
Market value is the close times the listed shares. The 52-week range is NEPSE’s published low and high. Yield is the cash dividends with a book closure in the last 12 months, as a share of the paid-up value, over the close.
Dividends, year by year
As a percentage of paid-up value, as declared. Solid is cash, light is bonus, on one scale.
| Fiscal year | CLI | HLI |
|---|---|---|
| 2081/82 | 20% cash | None declared |
| 2080/81 | 1.42% cash · 26.984% bonus | 8% cash |
| 2079/80 | 0.263% cash · 5% bonus | 14% bonus |
| 2078/79 | Not on record | None declared |
| 2077/78 | Not on record | 0.684% cash · 13% bonus |
Against the life insurance
Rank among the 14 life insurance Punji covers (1st is the highest), and the sector median.
| CLI | Sector median | HLI | |
|---|---|---|---|
| Return, 1 year | +2.44% 8th of 14 | Median +2.45% | −13.83% 12th of 14 |
| Cash dividend yield | 4.49% 1st of 10 | Median 2.62% | No cash dividend in 12 months |
| Market value | Rs 2,229 cr 8th of 14 | Median Rs 2,256 cr | Rs 2,798 cr 4th of 14 |
| Traded value, 30 days | Rs 21.00 cr 11th of 14 | Median Rs 33.63 cr | Rs 42.88 cr 4th of 14 |
Dividend yield ranks only the companies that paid a cash dividend in the last 12 months.
Questions
CLI or HLI: questions
Which is bigger, CLI or HLI?
HLI is larger by market value: Rs 2,798 crore, against Rs 2,229 crore for CLI, at the close of 16 Oct 2026. Market value is the share price times the shares listed.
Which has risen more over the past year, CLI or HLI?
Over the past year, Rs 100 in CLI became Rs 102 (+2.44%) and in HLI Rs 86 (−13.83%), adjusted for bonus shares. Cash dividends are not added back. How a share moved in the past does not say how it will move next.
Which pays a higher dividend, CLI or HLI?
CLI last declared 20% cash for 2081/82; HLI last declared no dividend for 2081/82. Dividends are declared as a percentage of the paid-up value, not of today’s price, so the cash dividend yield in the table is the comparable figure.
Should I buy CLI or HLI?
Punji does not say. This page lines up the published figures for both and marks neither as better; what fits depends on what you hold, why and for how long.
More comparisons
Also: CLI stock page, HLI stock page, the screener, the heat map and the guides to evaluating banking stocks and bonus and right shares.
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