Ganapati Laghubitta Bittiya Sanstha Limited (GMFBS) Share Price & Fundamentals
Ganapati (GMFBS) share price is Rs. 1,122.00, up 0.45% on 2026-09-22. Open Rs. 1,090.00. High Rs. 1,122.00. Low Rs. 1,090.00. Volume 1,066.
Ganapati Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (GMFBS), Microfinance sector. Revenue: Rs. 17.2 Crore. Net loss: Rs. 3.26 Crore. Net worth: Rs. 19.6 Crore.
About Ganapati Laghubitta Bittiya Sanstha Limited
Ganapati Laghubitta Bittiya Sanstha Limited is a national-level Class "D" microfinance financial institution licensed by Nepal Rastra Bank, based at Ward No. 4, Suklagandaki Municipality, Dulegauda, Tanahun. It delivers modern microfinance services to client members through a network of around 43 branch offices, with management pursuing natural growth as its stated primary objective. Strategy centres on maximising the use of information technology to extend service reach and raise operating efficiency and productivity, on prioritising agriculture and livestock-based lending, on broadening financial access for low-income groups, and on staff capacity building. The institution reports under NFRS as issued by the Accounting Standards Board, Nepal with the ICAN carve-out; loans and advances to clients are presented net of impairment allowances and measured at amortised cost. Recent periods reflect pressure across the Nepalese microfinance sector from repayment stress, multiple borrowing, competition and rising operating costs.
Ganapati Laghubitta Bittiya Sanstha Limited (GMFBS) has 15,15,545 shares outstanding.
GMFBS key metrics
GMFBS strengths
What Ganapati Laghubitta Bittiya Sanstha Limited's own accounts show in its favour, graded against the rest of its sector.
- Makes 6.5% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
- Bad-loan charges come to -11.2% of income, so borrowers are paying back well. (Asset Quality)
- 94.9% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- Customer deposits grew 13.3% on last year, giving it more cheap money to lend. (Growth)
- The bank grew 14.6% bigger over the year. (Shareholder Returns)
GMFBS 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 -16.6%, below what owners would hope for. (Profitability)
- Return on everything it owns is -1.3%, so its assets are not producing much. (Profitability)
- Only 23.2% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
- Only 7.8% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
- Staff costs take 56.7% of income, a heavy load on earnings. (Efficiency)
- Loans are 87.6% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
- Only 5.2% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
- Owns 12.84x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
- Each share is backed by only Rs 129.32 of net worth. (Shareholder Returns)
- 76.2% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
- Each share produced Rs 25.39 over the year. (Shareholder Returns)
- Income from lending moved 7%, so the core business is not growing. (Growth)
- Net profit margin is 21%, less than most lenders keep once every cost is paid. (Profitability)
- Operating margin is 34%, so running costs take too much of what core banking earns. (Profitability)
- The loan book moved 7.1%, so lending is not expanding. (Growth)
- Total income moved 6.6% on last year. (Growth)
GMFBS Q3 2082/83 results
In Q3 2082/83 Ganapati Laghubitta Bittiya Sanstha Limited reported profit of Rs. 6.46 crore and total operating income of Rs. 4.86 crore. Profit in Q2 2082/83 was a loss of Rs. 2.02 crore. Profit turned from a loss to a profit on the previous quarter. Total operating income fell 11.65% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was Rs. 1.1 crore. Profit grew 489.54% on the same quarter last year. Total operating income grew 2.49% on the same quarter last year.
GMFBS annual results 2081/82
For the financial year 2081/82 Ganapati Laghubitta Bittiya Sanstha Limited reported a net loss of Rs. 3.26 crore, total operating income of Rs. 17.2 crore and net worth of Rs. 19.6 crore. Net profit in 2080/81 was Rs. 1.52 crore. Net profit turned from a profit to a loss on the year. Total operating income grew 34.35% on the year.
GMFBS profit and loss for 2081/82
In the financial year 2081/82, Ganapati Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 16.27 crore, net fee and commission income of Rs. 0.94 crore, other operating income of Rs. 0.01 crore, total operating income of Rs. 17.2 crore, impairment charge/(reversal) of Rs. 7 crore, net operating income of Rs. 10.2 crore, operating expenses of Rs. 12.76 crore, operating profit of Rs. 2.56 crore, profit before income tax of Rs. 2.56 crore, income tax expense of Rs. 0.7 crore and profit for the year of Rs. 3.26 crore.
Reported under net interest income: interest income of Rs. 32.11 crore and interest expense of Rs. 15.84 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.05 crore and fee and commission expense of Rs. 0.11 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 8.73 crore, other operating expenses of Rs. 3.83 crore and depreciation & amortisation of Rs. 0.2 crore. Reported under income tax expense: current tax of Rs. 0.59 crore and deferred tax of Rs. 0.1 crore.
GMFBS profit and loss for 2080/81
In the financial year 2080/81, Ganapati Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 12.19 crore, net fee and commission income of Rs. 0.63 crore, other operating income of Rs. 0.01 crore, total operating income of Rs. 12.81 crore, impairment charge/(reversal) of Rs. 1.64 crore, net operating income of Rs. 14.45 crore, operating expenses of Rs. 12.18 crore, operating profit of Rs. 2.26 crore, profit before income tax of Rs. 2.26 crore, income tax expense of Rs. 0.74 crore and profit for the year of Rs. 1.52 crore.
Reported under net interest income: interest income of Rs. 32.45 crore and interest expense of Rs. 20.26 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.83 crore and fee and commission expense of Rs. 0.21 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 8.46 crore, other operating expenses of Rs. 3.5 crore and depreciation & amortisation of Rs. 0.22 crore. Reported under income tax expense: current tax of Rs. 0.83 crore and deferred tax of Rs. 0.09 crore.
GMFBS profit and loss for 2079/80
In the financial year 2079/80, Ganapati Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 11.53 crore, net fee and commission income of Rs. 2.62 crore, other operating income of Rs. 0.02 crore, total operating income of Rs. 14.16 crore, impairment charge/(reversal) of Rs. 2.86 crore, net operating income of Rs. 11.3 crore, operating expenses of Rs. 12.4 crore, operating profit of Rs. 1.1 crore, profit before income tax of Rs. 1.1 crore, income tax expense of Rs. 0.23 crore and profit for the year of Rs. 0.86 crore.
Reported under net interest income: interest income of Rs. 36.83 crore and interest expense of Rs. 25.3 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.14 crore and fee and commission expense of Rs. 0.52 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 8.59 crore, other operating expenses of Rs. 3.55 crore and depreciation & amortisation of Rs. 0.26 crore. Reported under income tax expense: current tax of Rs. 0.85 crore and deferred tax of Rs. 1.08 crore.
GMFBS balance sheet for 2081/82
In the financial year 2081/82, Ganapati Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 251.57 crore, total liabilities of Rs. 231.97 crore and total equity of Rs. 19.6 crore.
Reported under total assets: cash and cash equivalents of Rs. 25.55 crore, due from nepal rastra bank of Rs. 1.23 crore, loans and advances to customers of Rs. 220.38 crore, current tax assets of Rs. 0.94 crore, property and equipment of Rs. 0.78 crore, goodwill and intangible assets of Rs. 0.03 crore, deferred tax assets of Rs. 0.26 crore and other assets of Rs. 2.39 crore. Reported under total liabilities: deposits from customers of Rs. 53.75 crore, borrowings of Rs. 176.7 crore, deferred tax liabilities of Rs. 0 crore and other liabilities of Rs. 1.52 crore. Reported under total equity: share capital of Rs. 15.16 crore, retained earnings of Rs. 3.54 crore and reserves of Rs. 7.98 crore.
GMFBS balance sheet for 2080/81
In the financial year 2080/81, Ganapati Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 219.55 crore, total liabilities of Rs. 196.89 crore and total equity of Rs. 22.65 crore.
Reported under total assets: cash and cash equivalents of Rs. 8.69 crore, due from nepal rastra bank of Rs. 1.23 crore, loans and advances to customers of Rs. 205.78 crore, current tax assets of Rs. 0.81 crore, property and equipment of Rs. 0.82 crore, goodwill and intangible assets of Rs. 0.05 crore, deferred tax assets of Rs. 0.36 crore and other assets of Rs. 1.81 crore. Reported under total liabilities: deposits from customers of Rs. 47.45 crore, borrowings of Rs. 147.53 crore, deferred tax liabilities of Rs. 0 crore and other liabilities of Rs. 1.91 crore. Reported under total equity: share capital of Rs. 15.16 crore, retained earnings of Rs. 0.15 crore and reserves of Rs. 7.65 crore.
GMFBS balance sheet for 2079/80
In the financial year 2079/80, Ganapati Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 243.69 crore, total liabilities of Rs. 222.56 crore and total equity of Rs. 21.13 crore.
Reported under total assets: cash and cash equivalents of Rs. 12.49 crore, due from nepal rastra bank of Rs. 1.23 crore, loans and advances to customers of Rs. 226.55 crore, current tax assets of Rs. 0.71 crore, property and equipment of Rs. 0.88 crore, goodwill and intangible assets of Rs. 0.05 crore, deferred tax assets of Rs. 0.27 crore and other assets of Rs. 1.51 crore. Reported under total liabilities: deposits from customers of Rs. 58.21 crore, borrowings of Rs. 162.34 crore, deferred tax liabilities of Rs. 0 crore and other liabilities of Rs. 2 crore. Reported under total equity: share capital of Rs. 15.16 crore, retained earnings of Rs. 0.39 crore and reserves of Rs. 6.37 crore.
GMFBS cash flow for 2081/82
In the financial year 2081/82, Ganapati Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 17.01 crore and net cash flow from investing activities (b) of Rs. 0.14 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 31.17 crore, fees and other income received of Rs. 0.86 crore, receipts from other operating activities of Rs. 0.19 crore, interest paid of Rs. 15.88 crore, commission and fees paid of Rs. 0.11 crore, cash payment to employees of Rs. 7.77 crore, other expense paid of Rs. 3.78 crore, operating cash flows before changes in operating assets and liabilities of Rs. 4.69 crore, due from nepal rastra bank of Rs. 0 crore, loan and advances to customers of Rs. 21.73 crore, other assets of Rs. 0.58 crore, deposit from customers of Rs. 6.31 crore, borrowings of Rs. 29.16 crore, other liabilities of Rs. 0.12 crore, net cash flow from operating activities before tax paid of Rs. 17.73 crore and income taxes paid of Rs. 0.72 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 0.2 crore, receipt from sale of property and equipment of Rs. 0.05 crore and purchase of intangible assets of Rs. 0 crore.
GMFBS cash flow for 2080/81
In the financial year 2080/81, Ganapati Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 3.63 crore and net cash flow from investing activities (b) of Rs. 0.17 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 31.11 crore, fees and other income received of Rs. 0.61 crore, receipts from other operating activities of Rs. 0.22 crore, interest paid of Rs. 20.43 crore, commission and fees paid of Rs. 0.21 crore, cash payment to employees of Rs. 8.08 crore, other expense paid of Rs. 3.78 crore, operating cash flows before changes in operating assets and liabilities of Rs. 0.55 crore, due from nepal rastra bank of Rs. 0 crore, loan and advances to customers of Rs. 23.76 crore, other assets of Rs. 0.3 crore, deposit from customers of Rs. 10.77 crore, borrowings of Rs. 14.81 crore, other liabilities of Rs. 0.03 crore, net cash flow from operating activities before tax paid of Rs. 2.7 crore and income taxes paid of Rs. 0.93 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 0.15 crore, receipt from sale of property and equipment of Rs. 0 crore and purchase of intangible assets of Rs. 0.02 crore.
GMFBS cash flow for 2079/80
In the financial year 2079/80, Ganapati Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 7.34 crore and net cash flow from investing activities (b) of Rs. 0.09 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 35.79 crore, fees and other income received of Rs. 2.5 crore, receipts from other operating activities of Rs. 0.64 crore, interest paid of Rs. 25.12 crore, commission and fees paid of Rs. 0.52 crore, cash payment to employees of Rs. 8.61 crore, other expense paid of Rs. 3.24 crore, operating cash flows before changes in operating assets and liabilities of Rs. 1.43 crore, due from nepal rastra bank of Rs. 0.13 crore, loan and advances to customers of Rs. 5.71 crore, other assets of Rs. 1.3 crore, deposit from customers of Rs. 2.4 crore, borrowings of Rs. 16.42 crore, other liabilities of Rs. 0.23 crore, net cash flow from operating activities before tax paid of Rs. 8.07 crore and income taxes paid of Rs. 0.73 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 0.24 crore, receipt from sale of property and equipment of Rs. 0.15 crore and purchase of intangible assets of Rs. 0 crore.
GMFBS quarterly for Q3 2082/83
In the quarter Q3 2082/83, Ganapati Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 4.6 crore, net fee and commission income of Rs. 0.03 crore, other operating income of Rs. 0.23 crore, total operating income of Rs. 4.86 crore, impairment charge/(reversal) of Rs. 8.18 crore, net operating income of Rs. 13.04 crore, operating expenses of Rs. 3.97 crore, operating profit of Rs. 9.08 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 9.08 crore, income tax expense of Rs. 2.62 crore and profit for the year of Rs. 6.46 crore.
Reported under net interest income: interest income of Rs. 7.94 crore and interest expense of Rs. 3.34 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.06 crore and fee and commission expense of Rs. 0.03 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 3.11 crore, other operating expenses of Rs. 0.8 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. 2.62 crore.
GMFBS quarterly for Q2 2082/83
In the quarter Q2 2082/83, Ganapati Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 5.28 crore, net fee and commission income of Rs. 0.02 crore, other operating income of Rs. 0.2 crore, total operating income of Rs. 5.5 crore, impairment charge/(reversal) of Rs. 4.43 crore, net operating income of Rs. 1.07 crore, operating expenses of Rs. 3.09 crore, operating profit of Rs. 2.02 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 2.02 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 2.02 crore.
Reported under net interest income: interest income of Rs. 8.62 crore and interest expense of Rs. 3.34 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.04 crore and fee and commission expense of Rs. 0.02 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.24 crore, other operating expenses of Rs. 0.8 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.
GMFBS quarterly for Q1 2082/83
In the quarter Q1 2082/83, Ganapati Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 4.9 crore, net fee and commission income of Rs. 0.01 crore, other operating income of Rs. 0.2 crore, total operating income of Rs. 5.12 crore, impairment charge/(reversal) of Rs. 0.21 crore, net operating income of Rs. 5.32 crore, operating expenses of Rs. 3.66 crore, operating profit of Rs. 1.66 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 1.66 crore, income tax expense of Rs. 0.5 crore and profit for the year of Rs. 1.16 crore.
Reported under net interest income: interest income of Rs. 8.69 crore and interest expense of Rs. 3.78 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.02 crore and fee and commission expense of Rs. 0.02 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 3.05 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. 0.5 crore.
GMFBS quarterly for Q4 2081/82
In the quarter Q4 2081/82, Ganapati Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 5.27 crore, net fee and commission income of Rs. 0.03 crore, other operating income of Rs. 0.24 crore, total operating income of Rs. 5.54 crore, impairment charge/(reversal) of Rs. 1.01 crore, net operating income of Rs. 6.55 crore, operating expenses of Rs. 3.81 crore, operating profit of Rs. 2.74 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 2.74 crore, income tax expense of Rs. 0.82 crore and profit for the year of Rs. 1.92 crore.
Reported under net interest income: interest income of Rs. 8.99 crore and interest expense of Rs. 3.72 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.08 crore and fee and commission expense of Rs. 0.05 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.73 crore, other operating expenses of Rs. 1 crore and depreciation & amortisation of Rs. 0.08 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. 0.82 crore.
GMFBS Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Net Interest Income | 16.3 | 12.2 | 11.5 | 13.5 |
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| Interest Income | 32.1 | 32.5 | 36.8 | 30.6 |
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| Interest Expense | -15.8 | -20.3 | -25.3 | -17.1 |
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| Net Fee and Commission Income | 0.94 | 0.63 | 2.6 | 3.5 |
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| Fee and Commission Income | 1.0 | 0.83 | 3.1 | 3.9 |
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| Fee and Commission Expense | -0.11 | -0.21 | -0.52 | -0.34 |
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| Other Operating Income | -0.01 | -0.01 | 0.02 | 0.00 |
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| Total Operating Income | 17.2 | 12.8 | 14.2 | 17.0 |
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| Impairment Charge/(Reversal) | -7.0 | 1.6 | -2.9 | -3.1 |
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| Net Operating Income | 10.2 | 14.4 | 11.3 | 13.9 |
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| Operating Expenses | -12.8 | -12.2 | -12.4 | -11.5 |
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| Operating Expense - Personnel Expenses | -8.7 | -8.5 | -8.6 | -8.4 |
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| Other Operating Expenses | -3.8 | -3.5 | -3.5 | -2.9 |
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| Depreciation & Amortisation | -0.20 | -0.22 | -0.26 | -0.28 |
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| Operating Profit | -2.6 | 2.3 | -1.1 | 2.3 |
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| Profit Before Income Tax | -2.6 | 2.3 | -1.1 | 2.3 |
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| Income Tax Expense | -0.70 | -0.74 | 0.23 | -0.86 |
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| Current Tax | -0.59 | -0.83 | -0.85 | -0.61 |
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| Deferred Tax | -0.10 | 0.09 | 1.1 | -0.25 |
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| Profit for the Year | -3.3 | 1.5 | -0.86 | 1.5 |
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GMFBS Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
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| Total Assets | 252 | 220 | 244 | 231 | 169 |
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| Cash and Cash Equivalents | 25.6 | 8.7 | 12.5 | 5.2 | 9.8 |
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| Due from Nepal Rastra Bank | 1.2 | 1.2 | 1.2 | 1.1 | 0.76 |
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| Loans and Advances to Customers | 220 | 206 | 227 | 223 | 157 |
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| Current Tax Assets | 0.94 | 0.81 | 0.71 | 0.82 | 0.11 |
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| Property and Equipment | 0.78 | 0.82 | 0.88 | 1.0 | 0.97 |
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| Goodwill and Intangible Assets | 0.03 | 0.05 | 0.05 | 0.08 | 0.09 |
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| Deferred Tax Assets | 0.26 | 0.36 | 0.27 | 0.00 | 0.00 |
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| Other Assets | 2.4 | 1.8 | 1.5 | 0.31 | 0.16 |
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| Total Liabilities | 232 | 197 | 223 | 210 | 149 |
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| Deposits from Customers | 53.8 | 47.4 | 58.2 | 60.6 | 44.3 |
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| Borrowings | 177 | 148 | 162 | 146 | 102 |
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| Deferred Tax Liabilities | 0.00 | 0.00 | 0.00 | 0.71 | 0.44 |
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| Other Liabilities | 1.5 | 1.9 | 2.0 | 2.3 | 1.4 |
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| Total Equity | 19.6 | 22.7 | 21.1 | 21.6 | 20.1 |
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| Share Capital | 15.2 | 15.2 | 15.2 | 15.2 | 12.7 |
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| Retained Earnings | -3.5 | -0.15 | -0.39 | 1.5 | 3.8 |
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| Reserves | 8.0 | 7.7 | 6.4 | 5.0 | 3.5 |
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GMFBS Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Net Cash Flow from Operating Activities (A) | 17.0 | -3.6 | 7.3 | -4.2 |
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| Interest Received | 31.2 | 31.1 | 35.8 | 29.2 |
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| Fees and Other Income Received | 0.86 | 0.61 | 2.5 | 4.9 |
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| Receipts from Other Operating Activities | 0.19 | 0.22 | 0.64 | 0.00 |
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| Interest Paid | -15.9 | -20.4 | -25.1 | -16.0 |
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| Commission and Fees Paid | -0.11 | -0.21 | -0.52 | 0.00 |
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| Cash Payment to Employees | -7.8 | -8.1 | -8.6 | -7.2 |
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| Other Expense Paid | -3.8 | -3.8 | -3.2 | -3.9 |
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| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 4.7 | -0.55 | 1.4 | 6.9 |
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| Due from Nepal Rastra Bank | 0.00 | 0.00 | -0.13 | 0.35 |
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| Loan and Advances to Customers | -21.7 | 23.8 | -5.7 | -67.9 |
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| Other Assets | -0.58 | -0.30 | -1.3 | -0.52 |
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| Deposit from Customers | 6.3 | -10.8 | -2.4 | 15.4 |
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| Borrowings | 29.2 | -14.8 | 16.4 | 43.4 |
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| Other Liabilities | -0.12 | -0.03 | -0.23 | -0.01 |
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| Net Cash Flow from Operating Activities Before Tax Paid | 17.7 | -2.7 | 8.1 | -2.4 |
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| Income Taxes Paid | -0.72 | -0.93 | -0.73 | -1.8 |
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| Net Cash Flow from Investing Activities (B) | -0.14 | -0.17 | -0.09 | -0.28 |
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| Purchase of Property and Equipment | -0.20 | -0.15 | -0.24 | -0.28 |
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| Receipt from Sale of Property and Equipment | 0.05 | 0.00 | 0.15 | 0.00 |
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| Purchase of Intangible Assets | 0.00 | -0.02 | 0.00 | 0.00 |
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GMFBS Quarterly Results
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 | Q3 2080/81 | Q2 2080/81 | Q1 2080/81 |
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| Net Interest Income | 4.6 | 5.3 | 4.9 | 5.3 | 4.5 | 3.9 | 3.6 | 5.5 | 2.5 | 2.4 | 2.8 |
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| Interest Income | 7.9 | 8.6 | 8.7 | 9.0 | 8.2 | 7.9 | 8.0 | 10.2 | 7.3 | 7.4 | 8.7 |
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| Interest Expense | -3.3 | -3.3 | -3.8 | -3.7 | -3.7 | -4.0 | -4.5 | -4.7 | -4.8 | -4.9 | -5.9 |
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| Net Fee and Commission Income | 0.03 | 0.02 | 0.01 | 0.03 | 0.04 | 0.03 | -0.01 | -0.02 | -0.01 | 0.02 | -0.04 |
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| Fee and Commission Income | 0.06 | 0.04 | 0.02 | 0.08 | 0.05 | 0.05 | 0.01 | 0.04 | 0.03 | 0.06 | 0.02 |
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| Fee and Commission Expense | -0.03 | -0.02 | -0.02 | -0.05 | -0.01 | -0.02 | -0.03 | -0.06 | -0.05 | -0.04 | -0.05 |
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| Other Operating Income | 0.23 | 0.20 | 0.20 | 0.24 | 0.20 | 0.22 | 0.19 | 0.16 | 0.23 | 0.20 | 0.09 |
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| Total Operating Income | 4.9 | 5.5 | 5.1 | 5.5 | 4.7 | 4.2 | 3.8 | 5.7 | 2.8 | 2.6 | 2.9 |
|---|
| Impairment Charge/(Reversal) | 8.2 | -4.4 | 0.21 | 1.0 | 0.11 | 0.82 | -0.29 | 0.76 | -0.13 | 1.3 | 0.57 |
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| Net Operating Income | 13.0 | 1.1 | 5.3 | 6.5 | 4.9 | 5.0 | 3.5 | 6.4 | 2.6 | 4.0 | 3.5 |
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| Operating Expenses | -4.0 | -3.1 | -3.7 | -3.8 | -3.3 | -3.4 | -3.3 | -3.4 | -2.9 | -2.8 | -3.1 |
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| Operating Expense - Personnel Expenses | -3.1 | -2.2 | -3.0 | -2.7 | -2.6 | -2.6 | -2.5 | -2.6 | -2.2 | -2.3 | -2.5 |
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| Other Operating Expenses | -0.80 | -0.80 | -0.56 | -1.0 | -0.62 | -0.69 | -0.79 | -0.73 | -0.72 | -0.45 | -0.51 |
|---|
| Depreciation & Amortisation | -0.05 | -0.05 | -0.05 | -0.08 | -0.06 | -0.07 | -0.05 | -0.09 | -0.06 | -0.06 | -0.06 |
|---|
| Operating Profit | 9.1 | -2.0 | 1.7 | 2.7 | 1.6 | 1.6 | 0.15 | 3.1 | -0.31 | 1.1 | 0.41 |
|---|
| Non-Operating Income/(Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Non-Operating Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit Before Income Tax | 9.1 | -2.0 | 1.7 | 2.7 | 1.6 | 1.6 | 0.15 | 3.1 | -0.31 | 1.1 | 0.41 |
|---|
| Income Tax Expense | -2.6 | 0.00 | -0.50 | -0.82 | -0.47 | -0.48 | -0.04 | -0.92 | 0.09 | -0.34 | -0.12 |
|---|
| Current Tax | -2.6 | Not reported | -0.50 | -0.82 | -0.47 | -0.48 | -0.04 | -0.92 | 0.09 | -0.34 | -0.12 |
|---|
| Profit for the Year | 6.5 | -2.0 | 1.2 | 1.9 | 1.1 | 1.1 | 0.10 | 2.1 | -0.22 | 0.79 | 0.29 |
|---|
Ganapati share price history
Over the last 15 trading sessions GMFBS closed between Rs. 1,066.60 and Rs. 1,170.00, finishing at Rs. 1,122.00 on 2026-09-22 against Rs. 1,130.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 1,090.00 | 1,122.00 | 1,090.00 | 1,122.00 | 1,066 |
|---|
| 2026-09-18 | 1,090.00 | 1,148.00 | 1,090.00 | 1,117.00 | 421 |
|---|
| 2026-09-17 | 1,100.00 | 1,129.00 | 1,081.00 | 1,116.00 | 275 |
|---|
| 2026-09-16 | 1,102.80 | 1,122.50 | 1,085.00 | 1,091.00 | 414 |
|---|
| 2026-09-15 | 1,170.00 | 1,170.00 | 1,105.00 | 1,136.90 | 469 |
|---|
| 2026-09-14 | 1,097.00 | 1,200.00 | 1,081.10 | 1,119.00 | 1,650 |
|---|
| 2026-09-11 | 1,105.80 | 1,190.00 | 1,047.70 | 1,154.00 | 584 |
|---|
| 2026-09-10 | 1,200.00 | 1,200.00 | 1,070.00 | 1,164.00 | 346 |
|---|
| 2026-09-09 | 1,170.00 | 1,170.00 | 1,045.00 | 1,170.00 | 1,418 |
|---|
| 2026-09-07 | 1,067.00 | 1,146.00 | 1,041.00 | 1,145.00 | 574 |
|---|
| 2026-09-03 | 1,062.00 | 1,093.00 | 1,062.00 | 1,066.60 | 281 |
|---|
| 2026-09-02 | 1,090.00 | 1,091.90 | 1,060.10 | 1,090.00 | 338 |
|---|
| 2026-09-01 | 1,084.00 | 1,115.00 | 1,083.20 | 1,110.00 | 547 |
|---|
| 2026-08-31 | 1,131.00 | 1,131.00 | 1,095.00 | 1,114.00 | 315 |
|---|
| 2026-08-26 | 1,114.00 | 1,139.90 | 1,113.60 | 1,130.00 | 1,070 |
|---|
GMFBS share price by year
2026, between Rs. 1,041.00 and Rs. 1,565.00, 2025, between Rs. 1,395.00 and Rs. 1,980.00, 2024, between Rs. 682.00 and Rs. 2,327.00, 2023, between Rs. 641.00 and Rs. 981.00, 2022, between Rs. 750.00 and Rs. 1,510.00 and 2021, between Rs. 701.50 and Rs. 1,657.14.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 1,041.00 | 1,565.00 | 168 |
|---|
| 2025 | 1,395.00 | 1,980.00 | 224 |
|---|
| 2024 | 682.00 | 2,327.00 | 232 |
|---|
| 2023 | 641.00 | 981.00 | 224 |
|---|
| 2022 | 750.00 | 1,510.00 | 241 |
|---|
| 2021 | 701.50 | 1,657.14 | 239 |
|---|
| 2020 | 405.55 | 781.88 | 174 |
|---|
| 2019 | 161.85 | 456.88 | 134 |
|---|
Ganapati share price returns
At Rs. 1,122.00 on 2026-09-22, GMFBS is down 1.31% over 1 week, down 3.19% over 1 month, down 10.38% over 3 months, down 22.78% over 6 months, down 30.31% over 1 year and down 11.64% over 5 years. 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 | -1.31% | 1,136.90 | 2026-09-15 |
|---|
| 1 month | -3.19% | 1,159.00 | 2026-08-21 |
|---|
| 3 months | -10.38% | 1,252.00 | 2026-06-24 |
|---|
| 6 months | -22.78% | 1,453.00 | 2026-03-26 |
|---|
| 1 year | -30.31% | 1,610.00 | 2025-09-21 |
|---|
| 5 years | -11.64% | 1,269.83 | 2021-09-23 |
|---|
GMFBS floorsheet for 2026-09-22
GMFBS traded 16 times on 2026-09-22, moving 1,066 shares for Rs. 0.12 crore of turnover. Trades went through between Rs. 1,090.00 and Rs. 1,122.00.
Largest buyers by volume: broker 42, Sani Securities Company Limited on 220 shares across 2 trades, broker 6, Agrawal Securities Pvt. Limited on 150 shares across 1 trades, broker 45, Imperial Securities Co. Limited on 150 shares across 1 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 100 shares across 1 trades, broker 13, Thrive Brokerage House Pvt. Limited on 100 shares across 1 trades, broker 52, Sundhara Securities Limited on 100 shares across 1 trades, broker 32, Premier Securites Company Limited on 100 shares across 1 trades, broker 92, Roadshow Securities Limited on 50 shares across 1 trades, broker 51, Oxford Securities Pvt.Ltd on 36 shares across 1 trades and broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 20 shares across 2 trades.
Largest sellers by volume: broker 88, Blue Chip Securities Ltd on 996 shares across 10 trades, broker 41, Linch Stock Market Limited on 30 shares across 2 trades, broker 7, J.F. Securities Company Pvt. Limited on 10 shares across 1 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 10 shares across 1 trades, broker 66, Miyo Securities Pvt Ltd on 10 shares across 1 trades and broker 99, Prabhu Stock Market Limited on 10 shares across 1 trades.
GMFBS general meetings
Annual and special general meetings Ganapati Laghubitta Bittiya Sanstha Limited has called. A dividend is declared by the board and approved at the AGM.
- 9th AGM for 2081/2082: on 2026-03-27, at Hotel Debreak, Pokhara-31, Begnas, Kaski (11:30 AM)
- 8th AGM for 2080/2081: on 2025-01-13, at Hotel Debreak, Pokhara-31, Begnas, Kaski (1:30 PM)
- 8th AGM for 2080/2081
5 years of annual statements and 11 quarters of results for GMFBS, with charts and peer comparison, are free on NepView.
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