Aarambha Chautari Laghubitta Bittiya Sanstha Limited (ACLBSL) Share Price & Fundamentals

Aarambha Chautari (ACLBSL) share price is Rs. 852.00, down 0.12% on 2026-10-13. Open Rs. 852.00. High Rs. 852.30. Low Rs. 852.00. Volume 516.

Aarambha Chautari Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (ACLBSL), Microfinance sector. Revenue: Rs. 43.07 Crore. Net profit: Rs. 8.8 Crore. Net worth: Rs. 56.73 Crore.

About Aarambha Chautari Laghubitta Bittiya Sanstha Limited

NRB Class "D" national-level microfinance financial institution. Central office: Banepa-10, Kavrepalanchok. Serves 108,430 poor households through 134 branches across 57 districts in all 7 provinces. Audited FY2081/82 by N.B.S.M. & Associates; FY2079/80 by Prasiddha A. & Associates.

Aarambha Chautari Laghubitta Bittiya Sanstha Limited (ACLBSL) has 36,71,434 shares outstanding.

ACLBSL key metrics

ACLBSL strengths

What Aarambha Chautari Laghubitta Bittiya Sanstha Limited's own accounts show in its favour, graded against the rest of its sector.

• Makes 6.3% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
• Income from lending grew 27.3% on last year, so the core business is expanding. (Growth)
• Bad-loan charges come to 5.1% of income, so borrowers are paying back well. (Asset Quality)
• 88.1% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
• Total income grew 25% on last year. (Growth)
• The loan book grew 24.1% on last year, so more money is being put to work. (Growth)
• Customer deposits grew 19.8% on last year, giving it more cheap money to lend. (Growth)
• Earns 15.5% a year on the money shareholders put in, which is the return owners actually receive. (Profitability)
• Profit grew 15.9% on last year. (Growth)
• The bank grew 19.1% bigger over the year. (Shareholder Returns)

ACLBSL weaknesses

What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.

• Only 35.2% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
• Staff costs take 48.7% of income, a heavy load on earnings. (Efficiency)
• Loans are 88.6% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
• Operating margin is 27.3%, so running costs take too much of what core banking earns. (Profitability)
• 62.5% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
• Return on everything it owns is 1.5%, so its assets are not producing much. (Profitability)
• Only 9.5% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
• Each share produced Rs 27.79 over the year. (Shareholder Returns)
• Net profit margin is 18.9%, less than most lenders keep once every cost is paid. (Profitability)
• Only 11.9% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
• Owns 10.48x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
• Each share is backed by only Rs 154.52 of net worth. (Shareholder Returns)

ACLBSL Q3 2082/83 results

In Q3 2082/83 Aarambha Chautari Laghubitta Bittiya Sanstha Limited reported profit of Rs. 3.39 crore and total operating income of Rs. 12.59 crore. Profit in Q2 2082/83 was Rs. 5.16 crore. Profit fell 34.27% on the previous quarter. Total operating income fell 6.09% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was Rs. 2.87 crore. Profit grew 18.24% on the same quarter last year. Total operating income grew 3.91% on the same quarter last year.

ACLBSL annual results 2081/82

For the financial year 2081/82 Aarambha Chautari Laghubitta Bittiya Sanstha Limited reported net profit of Rs. 8.8 crore, total operating income of Rs. 43.07 crore and net worth of Rs. 56.73 crore. Net profit in 2080/81 was Rs. 0.07 crore. Total operating income grew 32.15% on the year.

ACLBSL profit and loss for 2081/82

In the financial year 2081/82, Aarambha Chautari Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 37.26 crore, net fee and commission income of Rs. 5.81 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 43.07 crore, impairment charge/(reversal) of Rs. 2.89 crore, net operating income of Rs. 40.18 crore, operating expenses of Rs. 32.48 crore, operating profit of Rs. 7.7 crore, non-operating income/(expense) of Rs. 0.13 crore, profit before income tax of Rs. 7.58 crore, income tax expense of Rs. 1.23 crore and profit for the year of Rs. 8.8 crore.

Reported under net interest income: interest income of Rs. 72.27 crore and interest expense of Rs. 35.01 crore. Reported under net fee and commission income: fee and commission income of Rs. 5.95 crore and fee and commission expense of Rs. 0.14 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 23.17 crore, other operating expenses of Rs. 7.05 crore and depreciation & amortisation of Rs. 2.26 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0.13 crore. Reported under income tax expense: current tax of Rs. 2.82 crore and deferred tax of Rs. 4.04 crore.

ACLBSL profit and loss for 2080/81

In the financial year 2080/81, Aarambha Chautari Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 28.07 crore, net fee and commission income of Rs. 4.52 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 32.59 crore, impairment charge/(reversal) of Rs. 0.04 crore, net operating income of Rs. 32.63 crore, operating expenses of Rs. 31.33 crore, operating profit of Rs. 1.3 crore, non-operating income/(expense) of Rs. 0.19 crore, profit before income tax of Rs. 1.11 crore, income tax expense of Rs. 1.05 crore and profit for the year of Rs. 0.07 crore.

Reported under net interest income: interest income of Rs. 69.95 crore and interest expense of Rs. 41.88 crore. Reported under net fee and commission income: fee and commission income of Rs. 4.82 crore and fee and commission expense of Rs. 0.3 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 23.08 crore, other operating expenses of Rs. 5.95 crore and depreciation & amortisation of Rs. 2.31 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.02 crore and non-operating expense of Rs. 0.21 crore. Reported under income tax expense: current tax of Rs. 1.08 crore and deferred tax of Rs. 0.03 crore.

ACLBSL profit and loss for 2079/80

In the financial year 2079/80, Aarambha Chautari Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 27.62 crore, net fee and commission income of Rs. 3.8 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 31.41 crore, impairment charge/(reversal) of Rs. 4.19 crore, net operating income of Rs. 35.6 crore, operating expenses of Rs. 31.73 crore, operating profit of Rs. 3.87 crore, non-operating income/(expense) of Rs. 8.12 crore, profit before income tax of Rs. 4.25 crore, income tax expense of Rs. 1.8 crore and profit for the year of Rs. 6.06 crore.

Reported under net interest income: interest income of Rs. 75.73 crore and interest expense of Rs. 48.11 crore. Reported under net fee and commission income: fee and commission income of Rs. 4.73 crore and fee and commission expense of Rs. 0.94 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 23.14 crore, other operating expenses of Rs. 7.64 crore and depreciation & amortisation of Rs. 0.95 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.35 crore and non-operating expense of Rs. 8.47 crore. Reported under income tax expense: current tax of Rs. 1.76 crore and deferred tax of Rs. 0.05 crore.

ACLBSL balance sheet for 2081/82

In the financial year 2081/82, Aarambha Chautari Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 594.56 crore, total liabilities of Rs. 537.83 crore and total equity of Rs. 56.73 crore.

Reported under total assets: cash and cash equivalents of Rs. 45.88 crore, due from nepal rastra bank of Rs. 3.02 crore, placement with banks and fis of Rs. 2 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 526.66 crore, investment securities of Rs. 0.06 crore, current tax assets of Rs. 3.12 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0.41 crore, property and equipment of Rs. 0.55 crore, goodwill and intangible assets of Rs. 2.42 crore, deferred tax assets of Rs. 5.97 crore and other assets of Rs. 4.47 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 189.49 crore, borrowings of Rs. 335.93 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 12.42 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 36.71 crore, share premium of Rs. 0 crore, retained earnings of Rs. 0.37 crore, reserves of Rs. 19.65 crore and non controlling interest of Rs. 0 crore.

ACLBSL balance sheet for 2080/81

In the financial year 2080/81, Aarambha Chautari Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 499.38 crore, total liabilities of Rs. 450.84 crore and total equity of Rs. 48.54 crore.

Reported under total assets: cash and cash equivalents of Rs. 56.37 crore, due from nepal rastra bank of Rs. 2.62 crore, placement with banks and fis of Rs. 2 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 424.26 crore, investment securities of Rs. 0.1 crore, current tax assets of Rs. 2.84 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0.41 crore, property and equipment of Rs. 0.71 crore, goodwill and intangible assets of Rs. 2.47 crore, deferred tax assets of Rs. 1.94 crore and other assets of Rs. 5.67 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 158.21 crore, borrowings of Rs. 277.69 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 14.95 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 36.71 crore, share premium of Rs. 0 crore, retained earnings of Rs. 4.92 crore, reserves of Rs. 16.74 crore and non controlling interest of Rs. 0 crore.

ACLBSL balance sheet for 2079/80

In the financial year 2079/80, Aarambha Chautari Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 502.1 crore, total liabilities of Rs. 453.82 crore and total equity of Rs. 48.28 crore.

Reported under total assets: cash and cash equivalents of Rs. 0.57 crore, due from nepal rastra bank of Rs. 2.62 crore, placement with banks and fis of Rs. 18.17 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 460.42 crore, investment securities of Rs. 0.1 crore, current tax assets of Rs. 0.58 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0.41 crore, property and equipment of Rs. 1.17 crore, goodwill and intangible assets of Rs. 2.55 crore, deferred tax assets of Rs. 2.06 crore and other assets of Rs. 13.44 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 148.18 crore, borrowings of Rs. 281 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 12.5 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 12.14 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 36.71 crore, share premium of Rs. 0 crore, retained earnings of Rs. 10.64 crore, reserves of Rs. 22.21 crore and non controlling interest of Rs. 0 crore.

ACLBSL cash flow for 2081/82

In the financial year 2081/82, Aarambha Chautari Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 10.2 crore, net cash flow from investing activities (b) of Rs. 0.29 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 10.49 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 56.37 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 45.88 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 72.27 crore, fees and other income received of Rs. 5.95 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 35.01 crore, commission and fees paid of Rs. 0.14 crore, cash payment to employees of Rs. 24.18 crore, other expense paid of Rs. 6.66 crore, operating cash flows before changes in operating assets and liabilities of Rs. 12.23 crore, due from nepal rastra bank of Rs. 0.4 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 0 crore, loan and advances to customers of Rs. 105.28 crore, other assets of Rs. 0.7 crore, due to banks and financial institutions of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 31.28 crore, borrowings of Rs. 58.24 crore, other liabilities of Rs. 2.47 crore, net cash flow from operating activities before tax paid of Rs. 7.1 crore and income taxes paid of Rs. 3.1 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 0.29 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 0 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

ACLBSL cash flow for 2080/81

In the financial year 2080/81, Aarambha Chautari Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 56.03 crore, net cash flow from investing activities (b) of Rs. 0.24 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 55.8 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 0.57 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 56.37 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 69.95 crore, fees and other income received of Rs. 4.82 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 41.88 crore, commission and fees paid of Rs. 0.3 crore, cash payment to employees of Rs. 23.08 crore, other expense paid of Rs. 7.57 crore, operating cash flows before changes in operating assets and liabilities of Rs. 1.95 crore, due from nepal rastra bank of Rs. 0 crore, placement with banks and financial institutions of Rs. 16.17 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 0 crore, loan and advances to customers of Rs. 36.16 crore, other assets of Rs. 4.8 crore, due to banks and financial institutions of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 10.03 crore, borrowings of Rs. 3.31 crore, other liabilities of Rs. 2.81 crore, net cash flow from operating activities before tax paid of Rs. 59 crore and income taxes paid of Rs. 2.97 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 0.24 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 0 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

ACLBSL cash flow for 2079/80

In the financial year 2079/80, Aarambha Chautari Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 0.25 crore, net cash flow from investing activities (b) of Rs. 0.66 crore, net cash flow from financing activities (c) of Rs. 0.06 crore, net increase/(decrease) in cash and cash equivalents of Rs. 0.35 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 0.93 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 0.57 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 75.73 crore, fees and other income received of Rs. 4.73 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 48.11 crore, commission and fees paid of Rs. 0.94 crore, cash payment to employees of Rs. 23.14 crore, other expense paid of Rs. 3.32 crore, operating cash flows before changes in operating assets and liabilities of Rs. 4.96 crore, due from nepal rastra bank of Rs. 0.06 crore, placement with banks and financial institutions of Rs. 16.28 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 0 crore, loan and advances to customers of Rs. 38.78 crore, other assets of Rs. 7.89 crore, due to banks and financial institutions of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 14.67 crore, borrowings of Rs. 37.36 crore, other liabilities of Rs. 0.71 crore, net cash flow from operating activities before tax paid of Rs. 0.86 crore and income taxes paid of Rs. 0.62 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 0.22 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.03 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0.41 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0 crore.

ACLBSL quarterly for Q3 2082/83

In the quarter Q3 2082/83, Aarambha Chautari Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 11.48 crore, net fee and commission income of Rs. 1.11 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 12.59 crore, impairment charge/(reversal) of Rs. 0.47 crore, net operating income of Rs. 13.06 crore, operating expenses of Rs. 8.4 crore, operating profit of Rs. 4.66 crore, non-operating income/(expense) of Rs. 0.33 crore, profit before income tax of Rs. 4.99 crore, income tax expense of Rs. 1.6 crore and profit for the year of Rs. 3.39 crore.

Reported under net interest income: interest income of Rs. 20.31 crore and interest expense of Rs. 8.84 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.14 crore and fee and commission expense of Rs. 0.03 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 6.27 crore, other operating expenses of Rs. 1.75 crore and depreciation & amortisation of Rs. 0.38 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.37 crore and non-operating expense of Rs. 0.04 crore. Reported under income tax expense: current tax of Rs. 1.5 crore and deferred tax of Rs. 0.1 crore.

ACLBSL quarterly for Q2 2082/83

In the quarter Q2 2082/83, Aarambha Chautari Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 10.79 crore, net fee and commission income of Rs. 2.62 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 13.4 crore, impairment charge/(reversal) of Rs. 2.79 crore, net operating income of Rs. 16.19 crore, operating expenses of Rs. 8.8 crore, operating profit of Rs. 7.39 crore, non-operating income/(expense) of Rs. 0.26 crore, profit before income tax of Rs. 7.14 crore, income tax expense of Rs. 1.98 crore and profit for the year of Rs. 5.16 crore.

Reported under net interest income: interest income of Rs. 19.91 crore and interest expense of Rs. 9.12 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.68 crore and fee and commission expense of Rs. 0.06 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 6.12 crore, other operating expenses of Rs. 1.78 crore and depreciation & amortisation of Rs. 0.89 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0.26 crore. Reported under income tax expense: current tax of Rs. 2.14 crore and deferred tax of Rs. 0.16 crore.

ACLBSL quarterly for Q1 2082/83

In the quarter Q1 2082/83, Aarambha Chautari Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 11.13 crore, net fee and commission income of Rs. 1.3 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.02 crore, total operating income of Rs. 12.45 crore, impairment charge/(reversal) of Rs. 1.76 crore, net operating income of Rs. 10.69 crore, operating expenses of Rs. 9.52 crore, operating profit of Rs. 1.17 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 1.17 crore, income tax expense of Rs. 0.35 crore and profit for the year of Rs. 0.82 crore.

Reported under net interest income: interest income of Rs. 20.35 crore and interest expense of Rs. 9.22 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.3 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 6.95 crore, other operating expenses of Rs. 2.04 crore and depreciation & amortisation of Rs. 0.52 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.35 crore and deferred tax of Rs. 0 crore.

ACLBSL quarterly for Q4 2081/82

In the quarter Q4 2081/82, Aarambha Chautari Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 10.91 crore, net fee and commission income of Rs. 1.28 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.02 crore, total operating income of Rs. 12.21 crore, impairment charge/(reversal) of Rs. 0.52 crore, net operating income of Rs. 12.73 crore, operating expenses of Rs. 8.01 crore, operating profit of Rs. 4.73 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 4.73 crore, income tax expense of Rs. 1.42 crore and profit for the year of Rs. 3.31 crore.

Reported under net interest income: interest income of Rs. 20.92 crore and interest expense of Rs. 10.01 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.3 crore and fee and commission expense of Rs. 0.03 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 5.24 crore, other operating expenses of Rs. 2.31 crore and depreciation & amortisation of Rs. 0.46 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 1.42 crore and deferred tax of Rs. 0 crore.

ACLBSL Profit & Loss

Values in Rs. Crore unless stated otherwise.

ACLBSL Balance Sheet

Values in Rs. Crore unless stated otherwise.

ACLBSL Cash Flow

Values in Rs. Crore unless stated otherwise.

ACLBSL Quarterly Results

Values in Rs. Crore unless stated otherwise.

Aarambha Chautari share price history

Over the last 15 trading sessions ACLBSL closed between Rs. 852.00 and Rs. 890.00, finishing at Rs. 852.00 on 2026-10-13 against Rs. 890.00 on 2026-09-22.

ACLBSL share price by year

2026, between Rs. 827.90 and Rs. 1,095.00, 2025, between Rs. 900.00 and Rs. 1,284.90, 2024, between Rs. 550.10 and Rs. 1,491.00, 2023, between Rs. 500.10 and Rs. 906.70, 2022, between Rs. 675.00 and Rs. 1,294.21 and 2021, between Rs. 570.96 and Rs. 1,545.45.

Aarambha Chautari share price returns

At Rs. 852.00 on 2026-10-13, ACLBSL is down 2.96% over 1 week, down 3.18% over 1 month, down 5.86% over 3 months, down 12.79% over 6 months, down 14.80% over 1 year and down 28.80% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

ACLBSL floorsheet for 2026-10-13

ACLBSL traded 11 times on 2026-10-13, moving 516 shares for Rs. 0.04 crore of turnover. Trades went through between Rs. 830.00 and Rs. 852.30.

Largest buyers by volume: broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 300 shares across 1 trades, broker 28, Shree Krishna Securities Limited on 172 shares across 6 trades, broker 21, Midas Stock Broking Company Pvt. Limited on 20 shares across 1 trades, broker 39, Sumeru Securities Pvt.Limited on 20 shares across 1 trades and broker 22, Siprabi Securities Pvt. Limited on 4 shares across 2 trades.

Largest sellers by volume: broker 26, Asian Securities Pvt. Limited on 300 shares across 1 trades, broker 34, Vision Securities Pvt.Limited on 113 shares across 1 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 30 shares across 2 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 20 shares across 1 trades, broker 22, Siprabi Securities Pvt. Limited on 13 shares across 1 trades, broker 16, Primo Securities Pvt. Limited on 13 shares across 1 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 13 shares across 1 trades, broker 58, Naasa Securities Co. Ltd. on 10 shares across 1 trades, broker 46, Kalika Securities Pvt.Limited on 3 shares across 1 trades and broker 48, Trishakti Securities Public Limited on 1 shares across 1 trades.

ACLBSL dividend history: bonus shares and cash dividend

Aarambha Chautari Laghubitta Bittiya Sanstha Limited most recently declared a 21% bonus share issue for 2077/2078, announced on 2022-03-20. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2077/2078 Aarambha Chautari Laghubitta Bittiya Sanstha Limited declared a 21% bonus share issue, announced on 2022-03-20.

ACLBSL general meetings

Annual and special general meetings Aarambha Chautari Laghubitta Bittiya Sanstha Limited has called. A dividend is declared by the board and approved at the AGM.

• 10th AGM for 2081/2082: on 2026-01-13, at Banepa Party Venue, Banepa-8, Kavrepalanchowk (9:00 AM)
• 9th AGM for 2080/2081: on 2025-01-27, at Banepa Party Venue, Banepa-8, Kavrepalanchowk (10:00 AM)
• 8th AGM for 2079/2080: on 2024-04-12, at Banepa Party Venue, Banepa-8, Kavrepalanchowk (11:00 AM)

4 years of annual statements and 10 quarters of results for ACLBSL, with charts and peer comparison, are free on NepView.

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• Aatmanirbhar Laghubitta Bittiya Sanstha Limited (ANLB) share price
• Aviyan Laghubitta Bittiya Sanstha Limited (AVYAN) share price
• Chhimek Laghubitta Bittiya Sanstha Limited (CBBL) share price
• CYC Nepal Laghubitta Bittiya Sanstha Limited (CYCL) share price
• Deprosc Laghubitta Bittiya Sanstha Limited (DDBL) share price
• Dhaulagiri Laghubitta Bittiya Sanstha Limited (DLBS) share price
• First Micro Finance Laghubitta Bittiya Sanstha Limited (FMDBL) share price
• Forward Microfinance Laghubitta Bittiya Sanstha Limited (FOWAD) share price
• Grameen Bikas Laghubitta Bittiya Sanstha Ltd. (GBLBS) share price
• Global IME Laghubitta Bittiya Sanstha Ltd. (GILB) share price
• Gurans Laghubitta Bittiya Sanstha Limited (GLBSL) share price
• Ganapati Laghubitta Bittiya Sanstha Limited (GMFBS) share price
• Himalayan Laghubitta Bittiya Sanstha Limited (HLBSL) share price
• Infinity Laghubitta Bittiya Sanstha Limited (ILBS) share price
• Jeevan Bikas Laghubitta Bittya Sanstha Ltd (JBLB) share price
• Janautthan Samudayic Laghubitta Bittya Sanstha Limited (JSLBB) share price
• Kalika Laghubitta Bittiya Sanstha Ltd (KMCDB) share price
• Laxmi Laghubitta Bittiya Sanstha Ltd. (LLBS) share price
• Matribhumi Lagubitta Bittiya Sanstha Limited (MATRI) share price

All microfinance companies on NEPSE

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