CYC Nepal (CYCL) share price is Rs. 1,479.90, down 0.20% on 2026-10-12. Open Rs. 1,449.10. High Rs. 1,480.00. Low Rs. 1,440.00. Volume 6,650.
CYC Nepal Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (CYCL), Microfinance sector. Revenue: Rs. 51.96 Crore. Net profit: Rs. 11.51 Crore. Net worth: Rs. 62.87 Crore.
CYC Nepal Laghubitta Bittiya Sanstha Limited is a Class 'D' national-level microfinance financial institution headquartered in Pokhara Metropolitan City-08, Kaski. Registered on 11 February 2019 and licensed by Nepal Rastra Bank, it provides microfinance services to deprived and low-income households across the hilly and mountainous regions of Nepal, operating through 124 branch offices across 77 districts. Its products include general, housing, microenterprise and education loans, various savings schemes and micro-life insurance. The institution grew substantially following its merger with Adhikhola Laghubitta, and its shares are listed on NEPSE under the symbol CYCL.
CYC Nepal Laghubitta Bittiya Sanstha Limited (CYCL) has 26,64,244 shares outstanding. It listed on NEPSE in 2022. Its most recent declared dividend was 0.67% on face value.
| Market Cap | Rs. 394.28 Crore |
|---|---|
| P/E Ratio (TTM) | 11.74 |
| Loss Per Share | Rs. 33.81 |
| EPS (TTM) | Rs. 126.08 |
| Book Value | Rs. 204.31 |
| Dividend Yield | 0.05% |
| Face Value | Rs. 100.00 |
| 52 Week High | Rs. 1,768.40 |
| 52 Week Low | Rs. 1,216.00 |
| Listed Since | 2022 |
What CYC Nepal Laghubitta Bittiya Sanstha Limited's own accounts show in its favour, graded against the rest of its sector.
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
In Q2 2082/83 CYC Nepal Laghubitta Bittiya Sanstha Limited reported profit of Rs. 4.75 crore and total operating income of Rs. 11.68 crore. Profit in Q1 2082/83 was a loss of Rs. 1.46 crore. Profit turned from a loss to a profit on the previous quarter. Total operating income fell 20.44% on the previous quarter. Profit in Q2 2081/82, the same quarter a year earlier, was Rs. 4.87 crore. Profit fell 2.58% on the same quarter last year. Total operating income grew 6.01% on the same quarter last year.
For the financial year 2081/82 CYC Nepal Laghubitta Bittiya Sanstha Limited reported net profit of Rs. 11.51 crore, total operating income of Rs. 51.96 crore and net worth of Rs. 62.87 crore. Net profit in 2080/81 was Rs. 1.46 crore. Net profit grew 687.90% on the year. Total operating income grew 26.91% on the year.
In the financial year 2081/82, CYC Nepal Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 45.04 crore, net fee and commission income of Rs. 6.92 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 51.96 crore, impairment charge/(reversal) of Rs. 2.02 crore, net operating income of Rs. 49.94 crore, operating expenses of Rs. 33.67 crore, operating profit of Rs. 16.27 crore, non-operating income/(expense) of Rs. 0.51 crore, profit before income tax of Rs. 16.78 crore, income tax expense of Rs. 5.27 crore and profit for the year of Rs. 11.51 crore.
Reported under net interest income: interest income of Rs. 89 crore and interest expense of Rs. 43.97 crore. Reported under net fee and commission income: fee and commission income of Rs. 6.92 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 24.6 crore, other operating expenses of Rs. 8.23 crore and depreciation & amortisation of Rs. 0.84 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.51 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 5.27 crore and deferred tax of Rs. 0 crore.
In the financial year 2080/81, CYC Nepal Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 33.49 crore, net fee and commission income of Rs. 7.43 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.03 crore, total operating income of Rs. 40.95 crore, impairment charge/(reversal) of Rs. 6.61 crore, net operating income of Rs. 34.34 crore, operating expenses of Rs. 33.51 crore, operating profit of Rs. 0.82 crore, non-operating income/(expense) of Rs. 0.82 crore, profit before income tax of Rs. 1.64 crore, income tax expense of Rs. 0.18 crore and profit for the year of Rs. 1.46 crore.
Reported under net interest income: interest income of Rs. 82.9 crore and interest expense of Rs. 49.41 crore. Reported under net fee and commission income: fee and commission income of Rs. 7.49 crore and fee and commission expense of Rs. 0.06 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 24.73 crore, other operating expenses of Rs. 5.87 crore and depreciation & amortisation of Rs. 2.92 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.82 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 1.52 crore and deferred tax of Rs. 1.34 crore.
In the financial year 2079/80, CYC Nepal Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 25.76 crore, net fee and commission income of Rs. 5.69 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.02 crore, total operating income of Rs. 31.47 crore, impairment charge/(reversal) of Rs. 3.25 crore, net operating income of Rs. 34.72 crore, operating expenses of Rs. 27.91 crore, operating profit of Rs. 6.81 crore, non-operating income/(expense) of Rs. 0.37 crore, profit before income tax of Rs. 7.18 crore, income tax expense of Rs. 2.51 crore and profit for the year of Rs. 4.67 crore.
Reported under net interest income: interest income of Rs. 64.47 crore and interest expense of Rs. 38.71 crore. Reported under net fee and commission income: fee and commission income of Rs. 5.71 crore and fee and commission expense of Rs. 0.02 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 20.26 crore, other operating expenses of Rs. 5.22 crore and depreciation & amortisation of Rs. 2.42 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.37 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 3.06 crore and deferred tax of Rs. 0.55 crore.
In the financial year 2080/81, CYC Nepal Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 646.31 crore, total liabilities of Rs. 583.44 crore and total equity of Rs. 62.87 crore.
Reported under total assets: cash and cash equivalents of Rs. 30.21 crore, due from nepal rastra bank of Rs. 2.8 crore, placement with banks and fis 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. 595.97 crore, investment securities of Rs. 0 crore, current tax assets of Rs. 2.66 crore, property and equipment of Rs. 3.39 crore, goodwill and intangible assets of Rs. 0.14 crore, deferred tax assets of Rs. 3.35 crore and other assets of Rs. 7.78 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, deposits from customers of Rs. 243.55 crore, borrowings of Rs. 287.34 crore, current tax liabilities of Rs. 1.35 crore, provisions of Rs. 0 crore, other liabilities of Rs. 51.19 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 26.64 crore, retained earnings of Rs. 2.34 crore and reserves of Rs. 33.89 crore.
In the financial year 2079/80, CYC Nepal Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 559.24 crore, total liabilities of Rs. 500.16 crore and total equity of Rs. 59.09 crore.
Reported under total assets: cash and cash equivalents of Rs. 16.23 crore, due from nepal rastra bank of Rs. 2.65 crore, placement with banks and fis 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. 517.65 crore, investment securities of Rs. 0 crore, current tax assets of Rs. 1.76 crore, property and equipment of Rs. 3.86 crore, goodwill and intangible assets of Rs. 0.16 crore, deferred tax assets of Rs. 2.97 crore and other assets of Rs. 13.98 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, deposits from customers of Rs. 215.57 crore, borrowings of Rs. 230.21 crore, current tax liabilities of Rs. 3.06 crore, provisions of Rs. 0 crore, other liabilities of Rs. 51.33 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 26.64 crore, retained earnings of Rs. 0.02 crore and reserves of Rs. 32.43 crore.
In the financial year 2081/82, CYC Nepal Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 27.72 crore, net cash flow from investing activities (b) of Rs. 1.04 crore, net cash flow from financing activities (c) of Rs. 0.34 crore, net increase/(decrease) in cash and cash equivalents of Rs. 26.34 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 33.01 crore and cash and cash equivalents at ashadh end of Rs. 59.35 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 89 crore, fees and other income received of Rs. 7.43 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 43.96 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 22.45 crore, other expense paid of Rs. 8.29 crore, operating cash flows before changes in operating assets and liabilities of Rs. 21.74 crore, due from nepal rastra bank of Rs. 0 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. 42.08 crore, other assets of Rs. 0.21 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. 32.85 crore, borrowings of Rs. 22.84 crore, other liabilities of Rs. 4.88 crore, net cash flow from operating activities before tax paid of Rs. 8.95 crore and income taxes paid of Rs. 2.96 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. 1.04 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 and other receipt/payment of Rs. 0.34 crore.
In the financial year 2080/81, CYC Nepal Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 14.6 crore, net cash flow from investing activities (b) of Rs. 0.56 crore, net cash flow from financing activities (c) of Rs. 0.09 crore, net increase/(decrease) in cash and cash equivalents of Rs. 14.13 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 18.88 crore and cash and cash equivalents at ashadh end of Rs. 33.01 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 82.52 crore, fees and other income received of Rs. 8.3 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 50.64 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 23.97 crore, other expense paid of Rs. 7.91 crore, operating cash flows before changes in operating assets and liabilities of Rs. 8.3 crore, due from nepal rastra bank of Rs. 0 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. 84.94 crore, other assets of Rs. 6 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. 27.98 crore, borrowings of Rs. 58.84 crore, other liabilities of Rs. 1.65 crore, net cash flow from operating activities before tax paid of Rs. 9.53 crore and income taxes paid of Rs. 3.23 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. 0.53 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 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 and other receipt/payment of Rs. 0.09 crore.
In the financial year 2079/80, CYC Nepal Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 37.61 crore, net cash flow from investing activities (b) of Rs. 1.93 crore and cash and cash equivalents at ashadh end of Rs. 18.88 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 61.34 crore, fees and other income received of Rs. 6.01 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 38.74 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 19.59 crore, other expense paid of Rs. 6.61 crore, operating cash flows before changes in operating assets and liabilities of Rs. 2.41 crore, due from nepal rastra bank of Rs. 0 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. 176.18 crore, other assets of Rs. 2.14 crore, due to banks and financial institutions of Rs. 6.52 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 76.94 crore, borrowings of Rs. 59.94 crore, other liabilities of Rs. 7.21 crore, net cash flow from operating activities before tax paid of Rs. 36.47 crore and income taxes paid of Rs. 3.55 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. 1.93 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.
In the quarter Q3 2082/83, CYC Nepal Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 9.96 crore, net fee and commission income of Rs. 1.71 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 11.68 crore, impairment charge/(reversal) of Rs. 1.89 crore, net operating income of Rs. 9.78 crore and operating expenses of Rs. 5.85 crore.
Reported under net interest income: interest income of Rs. 19.88 crore and interest expense of Rs. 9.91 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.71 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 5.61 crore and depreciation & amortisation of Rs. 0.24 crore.
In the quarter Q2 2082/83, CYC Nepal Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 12.74 crore, net fee and commission income of Rs. 1.94 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 14.68 crore, impairment charge/(reversal) of Rs. 0.4 crore, net operating income of Rs. 15.08 crore, operating expenses of Rs. 8.62 crore, operating profit of Rs. 6.45 crore, non-operating income/(expense) of Rs. 0.33 crore, profit before income tax of Rs. 6.78 crore, income tax expense of Rs. 2.04 crore and profit for the year of Rs. 4.75 crore.
Reported under net interest income: interest income of Rs. 22.82 crore and interest expense of Rs. 10.08 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.94 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 5.88 crore, other operating expenses of Rs. 2.5 crore and depreciation & amortisation of Rs. 0.24 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.33 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 2.04 crore and deferred tax of Rs. 0 crore.
In the quarter Q1 2082/83, CYC Nepal Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 7.55 crore, net fee and commission income of Rs. 1.58 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 9.13 crore, impairment charge/(reversal) of Rs. 2.32 crore, net operating income of Rs. 6.81 crore, operating expenses of Rs. 8.46 crore, operating profit of Rs. 1.65 crore, non-operating income/(expense) of Rs. 0.19 crore, profit before income tax of Rs. 1.46 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 1.46 crore.
Reported under net interest income: interest income of Rs. 18.52 crore and interest expense of Rs. 10.97 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.58 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 6.5 crore, other operating expenses of Rs. 1.72 crore and depreciation & amortisation of Rs. 0.24 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.19 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0 crore and deferred tax of Rs. 0 crore.
In the quarter Q4 2081/82, CYC Nepal Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 15.82 crore, net fee and commission income of Rs. 2.68 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 18.5 crore, impairment charge/(reversal) of Rs. 0.23 crore, net operating income of Rs. 18.27 crore, operating expenses of Rs. 9.63 crore, operating profit of Rs. 8.65 crore, non-operating income/(expense) of Rs. 0.16 crore, profit before income tax of Rs. 8.8 crore, income tax expense of Rs. 2.64 crore and profit for the year of Rs. 6.16 crore.
Reported under net interest income: interest income of Rs. 26.39 crore and interest expense of Rs. 10.57 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 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 7.08 crore, other operating expenses of Rs. 2.3 crore and depreciation & amortisation of Rs. 0.25 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.16 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 2.64 crore and deferred tax of Rs. 0 crore.
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 |
|---|---|---|---|
| Net Interest Income | 45.0 | 33.5 | 25.8 |
| Interest Income | 89.0 | 82.9 | 64.5 |
| Interest Expense | -44.0 | -49.4 | -38.7 |
| Net Fee and Commission Income | 6.9 | 7.4 | 5.7 |
| Fee and Commission Income | 6.9 | 7.5 | 5.7 |
| Fee and Commission Expense | -0.00 | -0.06 | -0.02 |
| Net Trading Income | 0.00 | 0.00 | 0.00 |
| Other Operating Income | 0.00 | 0.03 | 0.02 |
| Total Operating Income | 52.0 | 40.9 | 31.5 |
| Impairment Charge/(Reversal) | -2.0 | -6.6 | 3.2 |
| Net Operating Income | 49.9 | 34.3 | 34.7 |
| Operating Expenses | -33.7 | -33.5 | -27.9 |
| Operating Expense - Personnel Expenses | -24.6 | -24.7 | -20.3 |
| Other Operating Expenses | -8.2 | -5.9 | -5.2 |
| Depreciation & Amortisation | -0.84 | -2.9 | -2.4 |
| Operating Profit | 16.3 | 0.82 | 6.8 |
| Non-Operating Income/(Expense) | 0.51 | 0.82 | 0.37 |
| Non-Operating Income | 0.51 | 0.82 | 0.37 |
| Non-Operating Expense | 0.00 | 0.00 | 0.00 |
| Profit Before Income Tax | 16.8 | 1.6 | 7.2 |
| Income Tax Expense | -5.3 | -0.18 | -2.5 |
| Current Tax | -5.3 | -1.5 | -3.1 |
| Deferred Tax | 0.00 | 1.3 | 0.55 |
| Profit for the Year | 11.5 | 1.5 | 4.7 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2080/81 | 2079/80 |
|---|---|---|
| Total Assets | 646 | 559 |
| Cash and Cash Equivalents | 30.2 | 16.2 |
| Due from Nepal Rastra Bank | 2.8 | 2.7 |
| Placement with Banks and FIs | 0.00 | 0.00 |
| Other Trading Assets | 0.00 | 0.00 |
| Loans and Advances to Banks and FIs | 0.00 | 0.00 |
| Loans and Advances to Customers | 596 | 518 |
| Investment Securities | 0.00 | 0.00 |
| Current Tax Assets | 2.7 | 1.8 |
| Property and Equipment | 3.4 | 3.9 |
| Goodwill and Intangible Assets | 0.14 | 0.16 |
| Deferred Tax Assets | 3.4 | 3.0 |
| Other Assets | 7.8 | 14.0 |
| Total Liabilities | 583 | 500 |
| Due to Banks and FIs | 0.00 | 0.00 |
| Due to Nepal Rastra Bank | 0.00 | 0.00 |
| Deposits from Customers | 244 | 216 |
| Borrowings | 287 | 230 |
| Current Tax Liabilities | 1.4 | 3.1 |
| Provisions | 0.00 | 0.00 |
| Other Liabilities | 51.2 | 51.3 |
| Debt Securities Issued | 0.00 | 0.00 |
| Subordinated Liabilities | 0.00 | 0.00 |
| Total Equity | 62.9 | 59.1 |
| Share Capital | 26.6 | 26.6 |
| Retained Earnings | 2.3 | 0.02 |
| Reserves | 33.9 | 32.4 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 |
|---|---|---|---|
| Net Cash Flow from Operating Activities (A) | 27.7 | 14.6 | -37.6 |
| Interest Received | 89.0 | 82.5 | 61.3 |
| Fees and Other Income Received | 7.4 | 8.3 | 6.0 |
| Dividend Received | 0.00 | 0.00 | 0.00 |
| Receipts from Other Operating Activities | 0.00 | 0.00 | 0.00 |
| Interest Paid | -44.0 | -50.6 | -38.7 |
| Commission and Fees Paid | 0.00 | 0.00 | 0.00 |
| Cash Payment to Employees | -22.4 | -24.0 | -19.6 |
| Other Expense Paid | -8.3 | -7.9 | -6.6 |
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 21.7 | 8.3 | 2.4 |
| Due from Nepal Rastra Bank | 0.00 | 0.00 | 0.00 |
| Placement with Banks and Financial Institutions | 0.00 | 0.00 | 0.00 |
| Other Trading Assets | 0.00 | 0.00 | 0.00 |
| Loan and Advances to Banks and Financial Institutions | 0.00 | 0.00 | 0.00 |
| Loan and Advances to Customers | -42.1 | -84.9 | -176 |
| Other Assets | 0.21 | 6.0 | 2.1 |
| Due to Banks and Financial Institutions | 0.00 | 0.00 | -6.5 |
| Due to Nepal Rastra Bank | 0.00 | 0.00 | 0.00 |
| Deposit from Customers | 32.8 | 28.0 | 76.9 |
| Borrowings | 22.8 | 58.8 | 59.9 |
| Other Liabilities | -4.9 | 1.6 | 7.2 |
| Net Cash Flow from Operating Activities Before Tax Paid | 8.9 | 9.5 | -36.5 |
| Income Taxes Paid | -3.0 | -3.2 | -3.5 |
| Net Cash Flow from Investing Activities (B) | -1.0 | -0.56 | -1.9 |
| Purchase of Investment Securities | 0.00 | 0.00 | 0.00 |
| Receipts from Sale of Investment Securities | 0.00 | 0.00 | 0.00 |
| Purchase of Property and Equipment | -1.0 | -0.53 | -1.9 |
| Receipt from Sale of Property and Equipment | 0.00 | 0.00 | 0.00 |
| Purchase of Intangible Assets | 0.00 | -0.03 | 0.00 |
| Receipt from Sale of Intangible Assets | 0.00 | 0.00 | 0.00 |
| Purchase of Investment Properties | 0.00 | 0.00 | 0.00 |
| Receipt from Sale of Investment Properties | 0.00 | 0.00 | 0.00 |
| Interest Received | 0.00 | 0.00 | 0.00 |
| Dividend Received | 0.00 | 0.00 | 0.00 |
| Net Cash Flow from Financing Activities (C) | -0.34 | 0.09 | Not reported |
| Receipt from Issue of Debt Securities | 0.00 | 0.00 | 0.00 |
| Repayment of Debt Securities | 0.00 | 0.00 | 0.00 |
| Receipt from Issue of Subordinated Liabilities | 0.00 | 0.00 | 0.00 |
| Repayment of Subordinated Liabilities | 0.00 | 0.00 | 0.00 |
| Receipt from Issue of Shares | 0.00 | 0.00 | 10.8 |
| Other Receipt/Payment | -0.34 | 0.09 | Not reported |
| Net Increase/(Decrease) in Cash and Cash Equivalents | 26.3 | 14.1 | Not reported |
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 33.0 | 18.9 | Not reported |
| Cash and Cash Equivalents at Ashadh End | 59.4 | 33.0 | 18.9 |
Values in Rs. Crore unless stated otherwise.
| Particulars | Q3 2082/83 | Q2 2082/83 | Q1 2082/83 | Q4 2081/82 | Q3 2081/82 | Q2 2081/82 | Q1 2081/82 | Q4 2080/81 |
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 10.0 | 12.7 | 7.6 | 15.8 | 11.8 | 10.0 | 7.4 | 11.1 |
| Interest Income | 19.9 | 22.8 | 18.5 | 26.4 | 22.1 | 20.9 | 19.6 | 24.2 |
| Interest Expense | -9.9 | -10.1 | -11.0 | -10.6 | -10.3 | -10.9 | -12.2 | -13.1 |
| Net Fee and Commission Income | 1.7 | 1.9 | 1.6 | 2.7 | 1.8 | 1.0 | 1.4 | 2.0 |
| Fee and Commission Income | 1.7 | 1.9 | 1.6 | 2.7 | 1.8 | 1.0 | 1.4 | 2.0 |
| Fee and Commission Expense | 0.00 | 0.00 | 0.00 | 0.00 | -0.00 | -0.00 | -0.00 | -0.00 |
| Net Trading Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Operating Income | 11.7 | 14.7 | 9.1 | 18.5 | 13.6 | 11.0 | 8.9 | 13.1 |
| Impairment Charge/(Reversal) | -1.9 | 0.40 | -2.3 | -0.23 | -4.3 | 4.1 | -1.5 | -1.7 |
| Net Operating Income | 9.8 | 15.1 | 6.8 | 18.3 | 9.3 | 15.1 | 7.3 | 11.5 |
| Operating Expenses | -5.8 | -8.6 | -8.5 | -9.6 | -7.6 | -8.2 | -8.3 | -10.2 |
| Operating Expense - Personnel Expenses | -5.6 | -5.9 | -6.5 | -7.1 | -5.2 | -6.0 | -6.4 | -7.3 |
| Other Operating Expenses | Not reported | -2.5 | -1.7 | -2.3 | -2.2 | -2.0 | -1.7 | -2.7 |
| Depreciation & Amortisation | -0.24 | -0.24 | -0.24 | -0.25 | -0.19 | -0.19 | -0.21 | -0.24 |
| Operating Profit | Not reported | 6.5 | -1.7 | 8.6 | 1.7 | 6.9 | -0.97 | 1.2 |
| Non-Operating Income/(Expense) | Not reported | 0.33 | 0.19 | 0.16 | 0.12 | 0.06 | 0.17 | 0.20 |
| Non-Operating Income | Not reported | 0.33 | 0.19 | 0.16 | 0.12 | 0.06 | 0.17 | 0.20 |
| Non-Operating Expense | Not reported | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit Before Income Tax | Not reported | 6.8 | -1.5 | 8.8 | 1.8 | 7.0 | -0.80 | 1.4 |
| Income Tax Expense | Not reported | -2.0 | 0.00 | -2.6 | -0.54 | -2.1 | 0.00 | -0.43 |
| Current Tax | Not reported | -2.0 | 0.00 | -2.6 | -0.54 | -2.1 | 0.00 | -0.43 |
| Deferred Tax | Not reported | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit for the Year | Not reported | 4.7 | -1.5 | 6.2 | 1.3 | 4.9 | -0.80 | 1.0 |
Over the last 15 trading sessions CYCL closed between Rs. 1,450.20 and Rs. 1,630.00, finishing at Rs. 1,479.90 on 2026-10-12 against Rs. 1,490.00 on 2026-09-18.
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| 2026-10-12 | 1,449.10 | 1,480.00 | 1,440.00 | 1,479.90 | 6,650 |
| 2026-10-09 | 1,425.00 | 1,487.00 | 1,425.00 | 1,482.90 | 15,987 |
| 2026-10-08 | 1,410.80 | 1,530.00 | 1,410.80 | 1,450.20 | 10,019 |
| 2026-10-07 | 1,489.00 | 1,500.00 | 1,450.00 | 1,485.00 | 8,397 |
| 2026-10-06 | 1,470.00 | 1,557.00 | 1,450.00 | 1,535.00 | 14,293 |
| 2026-10-05 | 1,509.50 | 1,519.00 | 1,450.00 | 1,519.00 | 12,648 |
| 2026-10-02 | 1,509.00 | 1,575.00 | 1,450.00 | 1,544.00 | 27,220 |
| 2026-10-01 | 1,501.00 | 1,549.00 | 1,462.00 | 1,524.90 | 5,801 |
| 2026-09-30 | 1,501.00 | 1,590.00 | 1,470.00 | 1,516.90 | 7,829 |
| 2026-09-29 | 1,491.50 | 1,617.20 | 1,491.50 | 1,547.00 | 10,294 |
| 2026-09-28 | 1,548.50 | 1,596.00 | 1,510.00 | 1,570.00 | 12,033 |
| 2026-09-24 | 1,494.60 | 1,630.00 | 1,470.00 | 1,630.00 | 27,028 |
| 2026-09-23 | 1,441.00 | 1,585.00 | 1,431.00 | 1,531.00 | 11,277 |
| 2026-09-22 | 1,482.00 | 1,675.00 | 1,406.00 | 1,452.00 | 25,904 |
| 2026-09-18 | 1,450.00 | 1,530.00 | 1,421.10 | 1,490.00 | 12,171 |
2026, between Rs. 1,216.00 and Rs. 1,768.40, 2025, between Rs. 1,462.00 and Rs. 2,040.00, 2024, between Rs. 1,007.10 and Rs. 1,923.90, 2023, between Rs. 882.00 and Rs. 2,148.00 and 2022, between Rs. 294.00 and Rs. 2,103.69.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|---|---|---|
| 2026 | 1,216.00 | 1,768.40 | 181 |
| 2025 | 1,462.00 | 2,040.00 | 225 |
| 2024 | 1,007.10 | 1,923.90 | 232 |
| 2023 | 882.00 | 2,148.00 | 153 |
| 2022 | 294.00 | 2,103.69 | 34 |
At Rs. 1,479.90 on 2026-10-12, CYCL is down 2.57% over 1 week, down 2.19% over 1 month, up 10.11% over 3 months, down 5.74% over 6 months and down 4.46% over 1 year. Each return compares that close with the last close on or before the same date in the earlier period.
| Period | Return | From price (Rs.) | From date |
|---|---|---|---|
| 1 week | -2.57% | 1,519.00 | 2026-10-05 |
| 1 month | -2.19% | 1,513.00 | 2026-09-11 |
| 3 months | +10.11% | 1,344.00 | 2026-07-14 |
| 6 months | -5.74% | 1,570.00 | 2026-04-15 |
| 1 year | -4.46% | 1,549.00 | 2025-10-12 |
CYCL traded 89 times on 2026-10-12, moving 6,650 shares for Rs. 0.97 crore of turnover. Trades went through between Rs. 1,416.20 and Rs. 1,480.00.
Largest buyers by volume: broker 95, Magnet Securities and Investment Company Private Limited on 2,886 shares across 8 trades, broker 48, Trishakti Securities Public Limited on 1,771 shares across 36 trades, broker 41, Linch Stock Market Limited on 680 shares across 5 trades, broker 42, Sani Securities Company Limited on 341 shares across 3 trades, broker 17, ABC Securities Pvt. Limited on 200 shares across 1 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 150 shares across 2 trades, broker 39, Sumeru Securities Pvt.Limited on 100 shares across 3 trades, broker 58, Naasa Securities Co. Ltd. on 80 shares across 4 trades, broker 45, Imperial Securities Co. Limited on 80 shares across 3 trades and broker 18, Sagarmatha Securities Pvt. Limited on 50 shares across 2 trades.
Largest sellers by volume: broker 48, Trishakti Securities Public Limited on 4,157 shares across 37 trades, broker 19, Nepal Investment & Securities Trading Pvt. Limited on 1,086 shares across 11 trades, broker 49, Online Securities Limited on 337 shares across 5 trades, broker 53, Investment Management Nepal Pvt. Ltd. on 141 shares across 1 trades, broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 111 shares across 3 trades, broker 95, Magnet Securities and Investment Company Private Limited on 100 shares across 1 trades, broker 70, Infinity Securities Limited on 100 shares across 2 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 100 shares across 2 trades, broker 54, Sewa Securities Pvt. Ltd. on 82 shares across 2 trades and broker 25, Sweta Securities Pvt. Limited on 81 shares across 1 trades.
CYC Nepal Laghubitta Bittiya Sanstha Limited most recently declared a 12.76% bonus share issue for 2081/2082, announced on 2025-12-21. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.
| Financial year | Bonus share | Cash dividend | Announced |
|---|---|---|---|
| 2081/2082 | 12.76% | 2025-12-21 | |
| 2078/2079 | 30% | 2022-12-29 |
For 2081/2082 CYC Nepal Laghubitta Bittiya Sanstha Limited declared a 12.76% bonus share issue, announced on 2025-12-21.
For 2078/2079 CYC Nepal Laghubitta Bittiya Sanstha Limited declared a 30% bonus share issue, announced on 2022-12-29.
Annual and special general meetings CYC Nepal Laghubitta Bittiya Sanstha Limited has called. A dividend is declared by the board and approved at the AGM.
3 years of annual statements and 8 quarters of results for CYCL, with charts and peer comparison, are free on NepView.
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