First Micro Finance Laghubitta Bittiya Sanstha Limited (FMDBL) Share Price & Fundamentals

First Micro Finance (FMDBL) share price is Rs. 727.00, down 0.14% on 2026-10-13. Open Rs. 710.00. High Rs. 733.00. Low Rs. 710.00. Volume 8,731.

First Micro Finance Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (FMDBL), Microfinance sector. Revenue: Rs. 22.94 Crore. Net profit: Rs. 19.07 Crore. Net worth: Rs. 174.26 Crore.

About First Micro Finance Laghubitta Bittiya Sanstha Limited

First Micro Finance Laghubitta Bittiya Sanstha Limited (FMDBL) has 1,34,48,713 shares outstanding. Its most recent declared dividend was 6.50% on face value.

FMDBL key metrics

FMDBL strengths

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

• Profit grew 73.6% on last year. (Growth)
• Bad-loan charges come to -51.7% of income, so borrowers are paying back well. (Asset Quality)
• 25.9% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
• Turns 83.2% of its income into profit once every cost is paid. (Profitability)
• Keeps 118.9% of income as profit from everyday banking, before tax. (Profitability)
• Owns 3.87x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
• 99.2% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
• Loans are 0.4% of what the bank owns, a balanced mix alongside other assets. (Asset Quality)
• The loan book grew 22.9% on last year, so more money is being put to work. (Growth)
• Earns 1.6% a year on everything the bank owns, so its loans and investments are working well. (Profitability)

FMDBL weaknesses

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

• Return on shareholders' money is 6.3%, below what owners would hope for. (Profitability)
• Only 0.8% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
• Each share produced Rs 14.18 over the year. (Shareholder Returns)
• Each share is backed by only Rs 129.57 of net worth. (Shareholder Returns)
• 98.3% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
• The bank's size moved -22.5% over the year. (Shareholder Returns)
• Makes only 3.1% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
• Income from lending moved 7.5%, so the core business is not growing. (Growth)
• Total income moved 5.8% on last year. (Growth)
• Staff costs take 26.1% of income, a heavy load on earnings. (Efficiency)

FMDBL Q4 2082/83 results

In Q4 2082/83 First Micro Finance Laghubitta Bittiya Sanstha Limited reported profit of Rs. 7.7 crore and total operating income of Rs. 6.03 crore. Profit in Q3 2082/83 was Rs. 4.33 crore. Profit grew 77.88% on the previous quarter. Total operating income fell 15.61% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 6.11 crore. Profit grew 26.07% on the same quarter last year. Total operating income grew 8.61% on the same quarter last year.

FMDBL annual results 2082/83

For the financial year 2082/83 First Micro Finance Laghubitta Bittiya Sanstha Limited reported net profit of Rs. 19.07 crore, total operating income of Rs. 22.94 crore and net worth of Rs. 174.26 crore. Net profit in 2081/82 was Rs. 10.98 crore. Net profit grew 73.63% on the year. Total operating income grew 5.79% on the year.

FMDBL profit and loss for 2082/83

In the financial year 2082/83, First Micro Finance Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 22.75 crore, net fee and commission income of Rs. 0.19 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 22.94 crore, impairment charge/(reversal) of Rs. 11.86 crore, net operating income of Rs. 34.8 crore, operating expenses of Rs. 7.52 crore, operating profit of Rs. 27.28 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 27.28 crore, income tax expense of Rs. 8.2 crore and profit for the year of Rs. 19.07 crore.

Reported under net interest income: interest income of Rs. 40.47 crore and interest expense of Rs. 17.72 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.32 crore and fee and commission expense of Rs. 0.13 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 5.99 crore, other operating expenses of Rs. 1.34 crore and depreciation & amortisation of Rs. 0.19 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. 8.18 crore and deferred tax of Rs. 0.02 crore.

FMDBL profit and loss for 2081/82

In the financial year 2081/82, First Micro Finance Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 21.17 crore, net fee and commission income of Rs. 0.51 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 21.68 crore, impairment charge/(reversal) of Rs. 0.94 crore, net operating income of Rs. 22.63 crore, operating expenses of Rs. 6.86 crore, operating profit of Rs. 15.76 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 15.76 crore, income tax expense of Rs. 4.78 crore and profit for the year of Rs. 10.98 crore.

Reported under net interest income: interest income of Rs. 55.05 crore and interest expense of Rs. 33.88 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.64 crore and fee and commission expense of Rs. 0.12 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 4.99 crore, other operating expenses of Rs. 1.67 crore and depreciation & amortisation of Rs. 0.2 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. 4.95 crore and deferred tax of Rs. 0.18 crore.

FMDBL profit and loss for 2080/81

In the financial year 2080/81, First Micro Finance Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 31.06 crore, net fee and commission income of Rs. 1.86 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 32.92 crore, impairment charge/(reversal) of Rs. 4.87 crore, net operating income of Rs. 28.04 crore, operating expenses of Rs. 6.6 crore, operating profit of Rs. 21.45 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 21.45 crore, income tax expense of Rs. 7.38 crore and profit for the year of Rs. 14.06 crore.

Reported under net interest income: interest income of Rs. 86.71 crore and interest expense of Rs. 55.65 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.3 crore and fee and commission expense of Rs. 0.44 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 4.99 crore, other operating expenses of Rs. 1.4 crore and depreciation & amortisation of Rs. 0.21 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. 7.44 crore and deferred tax of Rs. 0.05 crore.

FMDBL balance sheet for 2081/82

In the financial year 2081/82, First Micro Finance Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 673.59 crore, total liabilities of Rs. 499.33 crore and total equity of Rs. 174.26 crore.

Reported under total assets: cash and cash equivalents of Rs. 53.7 crore, due from nepal rastra bank of Rs. 2.83 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 605.6 crore, loans and advances to customers of Rs. 2.82 crore, investment securities of Rs. 0.12 crore, current tax assets of Rs. 0.42 crore, investment property of Rs. 0 crore, property and equipment of Rs. 0.57 crore, goodwill and intangible assets of Rs. 0 crore, deferred tax assets of Rs. 0.56 crore and other assets of Rs. 6.97 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. 0 crore, borrowings of Rs. 490.97 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 8.36 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 134.49 crore, share premium of Rs. 0 crore, retained earnings of Rs. 9.03 crore and reserves of Rs. 30.74 crore.

FMDBL balance sheet for 2080/81

In the financial year 2080/81, First Micro Finance Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 868.94 crore, total liabilities of Rs. 705.01 crore and total equity of Rs. 163.92 crore.

Reported under total assets: cash and cash equivalents of Rs. 113.07 crore, due from nepal rastra bank of Rs. 4.58 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 740.81 crore, loans and advances to customers of Rs. 2.29 crore, investment securities of Rs. 0.13 crore, current tax assets of Rs. 0.19 crore, investment property of Rs. 0 crore, property and equipment of Rs. 0.68 crore, goodwill and intangible assets of Rs. 0 crore, deferred tax assets of Rs. 0.35 crore and other assets of Rs. 6.84 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. 0 crore, borrowings of Rs. 696.85 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 8.16 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 123.38 crore, share premium of Rs. 0 crore, retained earnings of Rs. 11.99 crore and reserves of Rs. 28.55 crore.

FMDBL balance sheet for 2079/80

In the financial year 2079/80, First Micro Finance Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 913.45 crore, total liabilities of Rs. 755.06 crore and total equity of Rs. 158.4 crore.

Reported under total assets: cash and cash equivalents of Rs. 116.85 crore, due from nepal rastra bank of Rs. 13.78 crore, placement with banks and fis of Rs. 10 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 765.62 crore, loans and advances to customers of Rs. 2.08 crore, investment securities of Rs. 0.13 crore, current tax assets of Rs. 0 crore, investment property of Rs. 0 crore, property and equipment of Rs. 0.81 crore, goodwill and intangible assets of Rs. 0 crore, deferred tax assets of Rs. 0.32 crore and other assets of Rs. 3.86 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. 0 crore, borrowings of Rs. 746.5 crore, current tax liabilities of Rs. 0.72 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 7.83 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 114.77 crore, share premium of Rs. 0 crore, retained earnings of Rs. 18.16 crore and reserves of Rs. 25.46 crore.

FMDBL cash flow for 2081/82

In the financial year 2081/82, First Micro Finance Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 60.46 crore, net cash flow from investing activities (b) of Rs. 0.08 crore, net cash flow from financing activities (c) of Rs. 0.58 crore, net increase/(decrease) in cash and cash equivalents of Rs. 61.12 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 117.65 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. 56.53 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 55.94 crore, fees and other income received of Rs. 0.64 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 34.1 crore, commission and fees paid of Rs. 0.12 crore, cash payment to employees of Rs. 5.37 crore, other expense paid of Rs. 1.72 crore, operating cash flows before changes in operating assets and liabilities of Rs. 15.27 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. 136.31 crore, loan and advances to customers of Rs. 0.53 crore, other assets of Rs. 1.27 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. 0 crore, borrowings of Rs. 205.89 crore, other liabilities of Rs. 0.82 crore, net cash flow from operating activities before tax paid of Rs. 55.28 crore and income taxes paid of Rs. 5.18 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. 0.1 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. 0.02 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. 0.58 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

FMDBL cash flow for 2080/81

In the financial year 2080/81, First Micro Finance Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 4.33 crore, net cash flow from investing activities (b) of Rs. 0.05 crore, net cash flow from financing activities (c) of Rs. 8.61 crore, net increase/(decrease) in cash and cash equivalents of Rs. 12.98 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 130.63 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. 117.65 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 85.2 crore, fees and other income received of Rs. 2.3 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 56.24 crore, commission and fees paid of Rs. 0.44 crore, cash payment to employees of Rs. 5.5 crore, other expense paid of Rs. 1.47 crore, operating cash flows before changes in operating assets and liabilities of Rs. 23.86 crore, due from nepal rastra bank of Rs. 0 crore, placement with banks and financial institutions of Rs. 10 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 19.94 crore, loan and advances to customers of Rs. 0.21 crore, other assets of Rs. 1.68 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. 0 crore, borrowings of Rs. 49.65 crore, other liabilities of Rs. 1.76 crore, net cash flow from operating activities before tax paid of Rs. 4.02 crore and income taxes paid of Rs. 8.35 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. 0.08 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. 0.03 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. 8.61 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

FMDBL cash flow for 2079/80

In the financial year 2079/80, First Micro Finance Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 117.74 crore, net cash flow from investing activities (b) of Rs. 0.05 crore, net cash flow from financing activities (c) of Rs. 0.96 crore, net increase/(decrease) in cash and cash equivalents of Rs. 116.73 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 13.9 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. 130.63 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 142.99 crore, fees and other income received of Rs. 5.3 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 99.43 crore, commission and fees paid of Rs. 1.15 crore, cash payment to employees of Rs. 6.18 crore, other expense paid of Rs. 1.34 crore, operating cash flows before changes in operating assets and liabilities of Rs. 40.18 crore, due from nepal rastra bank of Rs. 0 crore, placement with banks and financial institutions of Rs. 25 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 261.94 crore, loan and advances to customers of Rs. 0.19 crore, other assets of Rs. 0.1 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. 0 crore, borrowings of Rs. 199.26 crore, other liabilities of Rs. 0.64 crore, net cash flow from operating activities before tax paid of Rs. 127.13 crore and income taxes paid of Rs. 9.39 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. 0.06 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. 0.02 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. 0.96 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

FMDBL quarterly for Q4 2082/83

In the quarter Q4 2082/83, First Micro Finance Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 5.89 crore, net fee and commission income of Rs. 0.26 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.12 crore, total operating income of Rs. 6.03 crore, impairment charge/(reversal) of Rs. 7.51 crore, net operating income of Rs. 13.54 crore, operating expenses of Rs. 2.51 crore, operating profit of Rs. 11.03 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 11.03 crore, income tax expense of Rs. 3.33 crore and profit for the year of Rs. 7.7 crore.

Reported under net interest income: interest income of Rs. 9.48 crore and interest expense of Rs. 3.59 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.29 crore and fee and commission expense of Rs. 0.03 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 1.9 crore, other operating expenses of Rs. 0.56 crore and depreciation & amortisation of Rs. 0.05 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. 2.84 crore and deferred tax of Rs. 0.49 crore.

FMDBL quarterly for Q3 2082/83

In the quarter Q3 2082/83, First Micro Finance Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 7.11 crore, net fee and commission income of Rs. 0 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.03 crore, total operating income of Rs. 7.14 crore, impairment charge/(reversal) of Rs. 0.88 crore, net operating income of Rs. 8.02 crore, operating expenses of Rs. 1.83 crore, operating profit of Rs. 6.19 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 6.19 crore, income tax expense of Rs. 1.86 crore and profit for the year of Rs. 4.33 crore.

Reported under net interest income: interest income of Rs. 10.93 crore and interest expense of Rs. 3.82 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.03 crore and fee and commission expense of Rs. 0.03 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 1.54 crore, other operating expenses of Rs. 0.25 crore and depreciation & amortisation of Rs. 0.05 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. 1.62 crore and deferred tax of Rs. 0.23 crore.

FMDBL quarterly for Q2 2082/83

In the quarter Q2 2082/83, First Micro Finance Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 5.26 crore, net fee and commission income of Rs. 0.01 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.09 crore, total operating income of Rs. 5.35 crore, impairment charge/(reversal) of Rs. 4.23 crore, net operating income of Rs. 9.57 crore, operating expenses of Rs. 1.92 crore, operating profit of Rs. 7.65 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 7.65 crore, income tax expense of Rs. 2.3 crore and profit for the year of Rs. 5.36 crore.

Reported under net interest income: interest income of Rs. 9.73 crore and interest expense of Rs. 4.47 crore. Reported under net fee and commission income: fee and commission income of Rs. 0 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 1.57 crore, other operating expenses of Rs. 0.3 crore and depreciation & amortisation of Rs. 0.05 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. 2.99 crore and deferred tax of Rs. 0.7 crore.

FMDBL quarterly for Q1 2082/83

In the quarter Q1 2082/83, First Micro Finance Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 4.48 crore, net fee and commission income of Rs. 0.07 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 4.42 crore, impairment charge/(reversal) of Rs. 0.75 crore, net operating income of Rs. 3.66 crore, operating expenses of Rs. 1.26 crore, operating profit of Rs. 2.41 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 2.41 crore, income tax expense of Rs. 0.72 crore and profit for the year of Rs. 1.68 crore.

Reported under net interest income: interest income of Rs. 10.33 crore and interest expense of Rs. 5.84 crore. Reported under net fee and commission income: fee and commission income of Rs. 0 crore and fee and commission expense of Rs. 0.07 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 0.98 crore, other operating expenses of Rs. 0.23 crore and depreciation & amortisation of Rs. 0.05 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. 0.72 crore and deferred tax of Rs. 0 crore.

FMDBL Profit & Loss

Values in Rs. Crore unless stated otherwise.

FMDBL Balance Sheet

Values in Rs. Crore unless stated otherwise.

FMDBL Cash Flow

Values in Rs. Crore unless stated otherwise.

FMDBL Quarterly Results

Values in Rs. Crore unless stated otherwise.

First Micro Finance share price history

Over the last 15 trading sessions FMDBL closed between Rs. 720.00 and Rs. 820.00, finishing at Rs. 727.00 on 2026-10-13 against Rs. 820.00 on 2026-09-22.

FMDBL share price by year

2026, between Rs. 689.80 and Rs. 982.00, 2025, between Rs. 712.00 and Rs. 1,038.80, 2024, between Rs. 518.35 and Rs. 921.10, 2023, between Rs. 424.32 and Rs. 666.52, 2022, between Rs. 400.89 and Rs. 731.51 and 2021, between Rs. 372.92 and Rs. 889.93.

First Micro Finance share price returns

At Rs. 727.00 on 2026-10-13, FMDBL is down 0.81% over 1 week, down 0.01% over 1 month, down 3.07% over 3 months, down 11.34% over 6 months, down 8.55% over 1 year and up 24.05% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

FMDBL floorsheet for 2026-10-13

FMDBL traded 52 times on 2026-10-13, moving 8,731 shares for Rs. 0.63 crore of turnover. Trades went through between Rs. 705.20 and Rs. 733.00.

Largest buyers by volume: broker 60, Nagarik Stock Dealer Company Ltd. on 2,182 shares across 7 trades, broker 42, Sani Securities Company Limited on 2,000 shares across 1 trades, broker 1, Kumari Securities Pvt. Limited on 1,000 shares across 4 trades, broker 21, Midas Stock Broking Company Pvt. Limited on 820 shares across 5 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 600 shares across 4 trades, broker 43, South Asian Bulls Pvt.Limited on 440 shares across 1 trades, broker 41, Linch Stock Market Limited on 400 shares across 4 trades, broker 45, Imperial Securities Co. Limited on 310 shares across 3 trades, broker 67, Property Wizard Limited on 195 shares across 1 trades and broker 58, Naasa Securities Co. Ltd. on 150 shares across 3 trades.

Largest sellers by volume: broker 35, Kohinoor Investment and Securities Pvt.Ltd on 3,200 shares across 5 trades, broker 80, Indira Securities Pvt. Ltd on 1,010 shares across 8 trades, broker 49, Online Securities Limited on 1,000 shares across 7 trades, broker 19, Nepal Investment & Securities Trading Pvt. Limited on 980 shares across 1 trades, broker 58, Naasa Securities Co. Ltd. on 760 shares across 7 trades, broker 60, Nagarik Stock Dealer Company Ltd. on 440 shares across 3 trades, broker 62, Capital Max Securities Limited on 310 shares across 5 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 300 shares across 1 trades, broker 16, Primo Securities Pvt. Limited on 214 shares across 3 trades and broker 52, Sundhara Securities Limited on 100 shares across 1 trades.

FMDBL dividend history: bonus shares and cash dividend

First Micro Finance Laghubitta Bittiya Sanstha Limited most recently declared a 9% bonus share issue and a 6.5% cash dividend, 15.5% in total for 2081/2082, announced on 2025-12-22. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2081/2082 First Micro Finance Laghubitta Bittiya Sanstha Limited declared a 9% bonus share issue and a 6.5% cash dividend, 15.5% in total, announced on 2025-12-22.

For 2080/2081 First Micro Finance Laghubitta Bittiya Sanstha Limited declared a 9% bonus share issue, announced on 2024-11-27.

For 2079/2080 First Micro Finance Laghubitta Bittiya Sanstha Limited declared a 7.5% bonus share issue and a 7.5% cash dividend, 15% in total, announced on 2023-12-15.

For 2078/2079 First Micro Finance Laghubitta Bittiya Sanstha Limited declared a 19% bonus share issue, announced on 2022-12-20.

FMDBL general meetings

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

• 16th AGM for 2081/2082: on 2026-01-14, at Shuvam Reception, Kalopul, Kathmandu (11:00 AM)
• 15th AGM for 2080/2081: on 2024-12-26, at Amrapali Banquet, Bhatbhateni, Kathmandu (10:00 AM)
• 14th AGM for 2079/2080: on 2024-01-13, at Amrapali Banquet, Bhatbhateni, Kathmandu (10:00 AM)

6 years of annual statements and 12 quarters of results for FMDBL, with charts and peer comparison, are free on NepView.

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• 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
• Mero Microfinance Bittiya Sanstha Ltd. (MERO) share price
• Mithila LaghuBitta Bittiya Sanstha Limited (MLBBL) share price
• Manushi Laghubitta Bittiya Sanstha Limited (MLBS) share price
• Mahila Lagubitta Bittiya Sanstha Limited (MLBSL) share price
• Mahuli Laghubitta Bittiya Sanstha Limited (MSLB) share price
• Nadep Laghubittiya bittya Sanstha Ltd. (NADEP) share price
• NESDO Sambridha Laghubitta Bittiya Sanstha Limited (NESDO) share price
• NIC ASIA Laghubitta Bittiya Sanstha Limited (NICLBSL) share price

All microfinance companies on NEPSE

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