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Karnaphuli Insurance Company Limited was incorporated on 23rd November 1986 as a public limited company under the companies act 1913, obtained the certificate of Registration, for carrying on general Insurance Business from Controller of Capital Issues on 23rd November, 1986. Being sponsored by a group of renowned business personalities, reputed industrialists and Journalist of the country. The Company started its commercial operation on 25th November, 1986.

Karnaphuli Insurance Company Limited is a first generation and top-tier non life insurance company. The Company has been maintaining strong capital base, ethical business standards, corporate culture and corporate governance, superior underwriting skills and dynamic investment management since its inception

Paid up Capital

Karnaphuli Insurance Company Limited was started its journey with paid up capital of 30.00 million in 1986. By way of issuing right shares, stock dividend the paid up capital stood Tk. 407.03 million.


% Share of holding


Sl. No. Particulars Total Shareholding Percentage
1. Sponsors/Directors 1,04,67,621 25.72
2. Institutions 59,79,046 14.69
3. General Shareholder 2,42,45,155 59.56
3. Foreign Shareholder 12,137 0.03
Total= 4,07,03,959 100.00



The Karnaphuli Insurance Co. Ltd. Regularly analysis the position of its claim paying ability. During the year Company achieved A+ (Pronounce as A Plus) rating for long term and AR-2 for short term which reflect a stable outlook on the basis of its premium collections, core services expenditions, settlement of claim and sound liquidity position by the Alpha Credit Rating Limited.



Karnaphuli Insurance Co. Ltd. with a network of 27 branches covering strategic financial centers of Dhaka, Chittagong, Rajshahi, Khulna, Barisal, Shylhet, Rangpur and Bogra & some important district town has been providing whole hearted services to the doorsteps of the clients. It has active presence in capital market. The Company is always eagerly ready to fulfill the needs of all its clients with high profitability & balanced growth. Karnaphuli Insurance Co. Ltd. has earned excellent market reputation and absolute confidence of its valued clients.