Compare · Life Insurance
CLI vs ILI
Citizen Life Insurance and IME 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
IME Life Insurance Company Limited
Rs 100 became…
- CLIRs 100 becameRs 102.44+2.44% up in 1 year
- ILIRs 100 becameRs 103.39+3.39% up 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 ILI (IME Life Insurance Company Limited) at Rs 439.40. Over the past year, Rs 100 in CLI became Rs 102 (+2.44%) and in ILI Rs 103 (+3.39%), adjusted for bonus shares.
CLI is the larger company by market value, Rs 2,229 crore against Rs 2,197 crore. Of the 14 life insurance Punji covers, CLI is 8th by market value and ILI 10th. Cash dividends with a book closure in the last 12 months yield 4.49% on CLI and nothing on ILI at the latest close.
Side by side
marks the higher figure. Higher is not better or worse by itself.
| CLILife Insurance | ILILife Insurance | |
|---|---|---|
| Price and returns | ||
| Close, Rs | 445.80 | 439.40 |
| Change, as NEPSE published | +1.20% up | +0.09% up |
| Rs 100 became, 1 year | Rs 102.44 | Rs 103.39, the higher figure |
| Return, 1 month | +4.16% up | +4.89% up, the higher figure |
| Return, 1 year | +2.44% up | +3.39% up, the higher figure |
| 52-week range | ||
| Size and shares | ||
| Market value | Rs 2,229 cr, the higher figure | Rs 2,197 cr |
| Listed shares | 5.00 crore | 5.00 crore |
| Promoter and public | Promoter 70.0%Public 30.0% | Promoter 70.0%Public 30.0% |
| Dividends | ||
| Cash dividend yield, 12 months | 4.49% | None in 12 months |
| Latest declaration | 20% cash2081/82 | 10.526% cash2081/82 |
| Trading | ||
| Traded value, last 30 days | Rs 21.00 cr, the higher figure | Rs 19.94 cr |
| Shares traded, latest session | 18,194, the higher figure | 13,875 |
| 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 | ILI |
|---|---|---|
| 2081/82 | 20% cash | 10.526% cash |
| 2080/81 | 1.42% cash · 26.984% bonus | 21.053% cash |
| 2079/80 | 0.263% cash · 5% bonus | 1.316% cash · 25% bonus |
Against the life insurance
Rank among the 14 life insurance Punji covers (1st is the highest), and the sector median.
| CLI | Sector median | ILI | |
|---|---|---|---|
| Return, 1 year | +2.44% 8th of 14 | Median +2.45% | +3.39% 5th 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 2,197 cr 10th of 14 |
| Traded value, 30 days | Rs 21.00 cr 11th of 14 | Median Rs 33.63 cr | Rs 19.94 cr 12th of 14 |
Dividend yield ranks only the companies that paid a cash dividend in the last 12 months.
Questions
CLI or ILI: questions
Which is bigger, CLI or ILI?
CLI is larger by market value: Rs 2,229 crore, against Rs 2,197 crore for ILI, 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 ILI?
Over the past year, Rs 100 in CLI became Rs 102 (+2.44%) and in ILI Rs 103 (+3.39%), 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 ILI?
CLI last declared 20% cash for 2081/82; ILI last declared 10.526% cash 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 ILI?
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, ILI stock page, the screener, the heat map and the guides to evaluating banking stocks and bonus and right shares.
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