Infinity Laghubitta Bittiya Sanstha Limited (ILBS) Share Price & Fundamentals
Infinity (ILBS) share price is Rs. 1,004.90, down 5.64% on 2026-09-22. Open Rs. 1,118.00. High Rs. 1,118.00. Low Rs. 976.10. Volume 13,965.
Infinity Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (ILBS), Microfinance sector. Revenue: Rs. 43.74 Crore. Net loss: Rs. 6.4 Crore. Net worth: Rs. 62.11 Crore.
About Infinity Laghubitta Bittiya Sanstha Limited
Infinity Laghubitta Bittiya Sanstha Limited is a Class "D" microfinance financial institution licensed by Nepal Rastra Bank, registered at Gaindakot, Nawalparasi with its central office at Nawalparasi. It provides microfinance lending and deposit services to client members, funded largely through borrowings from banks and financial institutions alongside member deposits. The institution reports under Nepal Financial Reporting Standards, with loans and advances to customers presented net of impairment charges. Recent periods reflect the strain visible across the Nepalese microfinance sector: impairment charges rose sharply in FY2081/82, producing an operating and bottom-line loss for the year and a negative retained-earnings position.
Infinity Laghubitta Bittiya Sanstha Limited (ILBS) has 49,74,159 shares outstanding.
ILBS key metrics
ILBS strengths
What Infinity Laghubitta Bittiya Sanstha Limited's own accounts show in its favour, graded against the rest of its sector.
- Bad-loan charges come to -10.7% of income, so borrowers are paying back well. (Asset Quality)
- Income from lending grew 31.9% on last year, so the core business is expanding. (Growth)
- Makes 5.8% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
- Turns 33.3% of its income into profit once every cost is paid. (Profitability)
- 87.6% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- Total income grew 25% on last year. (Growth)
- Keeps 52.3% of income as profit from everyday banking, before tax. (Profitability)
- Each share earned Rs 36.66 of profit over the year. (Shareholder Returns)
- 12.4% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
- The bank grew 14.3% bigger over the year. (Shareholder Returns)
ILBS 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 -10.3%, below what owners would hope for. (Profitability)
- Return on everything it owns is -1%, so its assets are not producing much. (Profitability)
- Only 24.5% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
- Staff costs take 42% of income, a heavy load on earnings. (Efficiency)
- Loans are 89.3% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
- Each share is backed by only Rs 124.87 of net worth. (Shareholder Returns)
- 70% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
- Only 9.9% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
- Owns 10.15x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
- The loan book moved 8.5%, so lending is not expanding. (Growth)
- Deposits moved 10.6%, so its cheapest source of funding is not growing. (Growth)
ILBS Q3 2082/83 results
In Q3 2082/83 Infinity Laghubitta Bittiya Sanstha Limited reported profit of Rs. 1.59 crore and total operating income of Rs. 8.93 crore. Profit in Q3 2081/82 was Rs. 6.69 crore. Profit fell 76.21% on the previous quarter. Total operating income fell 38.88% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was Rs. 6.69 crore. Profit fell 76.21% on the same quarter last year. Total operating income fell 38.88% on the same quarter last year.
ILBS annual results 2081/82
For the financial year 2081/82 Infinity Laghubitta Bittiya Sanstha Limited reported a net loss of Rs. 6.4 crore, total operating income of Rs. 43.74 crore and net worth of Rs. 62.11 crore. Net profit in 2080/81 was Rs. 4.58 crore. Net profit turned from a profit to a loss on the year. Total operating income grew 29.03% on the year.
ILBS profit and loss for 2081/82
In the financial year 2081/82, Infinity Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 36.32 crore, net fee and commission income of Rs. 7.42 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 43.74 crore, impairment charge/(reversal) of Rs. 21.48 crore, net operating income of Rs. 22.26 crore, operating expenses of Rs. 28.56 crore, operating profit of Rs. 6.3 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 6.3 crore, income tax expense of Rs. 0.1 crore and profit for the year of Rs. 6.4 crore.
Reported under net interest income: interest income of Rs. 76.22 crore and interest expense of Rs. 39.89 crore. Reported under net fee and commission income: fee and commission income of Rs. 7.42 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 19.89 crore, other operating expenses of Rs. 6.6 crore and depreciation & amortisation of Rs. 2.06 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. 1.57 crore and deferred tax of Rs. 1.47 crore.
ILBS profit and loss for 2080/81
In the financial year 2080/81, Infinity Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 29 crore, net fee and commission income of Rs. 4.86 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.04 crore, total operating income of Rs. 33.9 crore, impairment charge/(reversal) of Rs. 2.9 crore, net operating income of Rs. 31 crore, operating expenses of Rs. 26.01 crore, operating profit of Rs. 4.99 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 4.99 crore, income tax expense of Rs. 0.41 crore and profit for the year of Rs. 4.58 crore.
Reported under net interest income: interest income of Rs. 70.2 crore and interest expense of Rs. 41.2 crore. Reported under net fee and commission income: fee and commission income of Rs. 4.86 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 18.69 crore, other operating expenses of Rs. 5.36 crore and depreciation & amortisation of Rs. 1.97 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 and deferred tax of Rs. 0.42 crore.
ILBS profit and loss for 2079/80
In the financial year 2079/80, Infinity Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 29.66 crore, net fee and commission income of Rs. 3.79 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 33.45 crore, impairment charge/(reversal) of Rs. 5.07 crore, net operating income of Rs. 28.38 crore, operating expenses of Rs. 26.34 crore, operating profit of Rs. 2.04 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 2.04 crore, income tax expense of Rs. 1.11 crore and profit for the year of Rs. 0.93 crore.
Reported under net interest income: interest income of Rs. 75.12 crore and interest expense of Rs. 45.46 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.79 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 18.78 crore, other operating expenses of Rs. 5.46 crore and depreciation & amortisation of Rs. 2.1 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. 1.15 crore and deferred tax of Rs. 0.04 crore.
ILBS balance sheet for 2081/82
In the financial year 2081/82, Infinity Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 630.55 crore, total liabilities of Rs. 568.44 crore and total equity of Rs. 62.11 crore.
Reported under total assets: cash and cash equivalents of Rs. 45.81 crore, due from nepal rastra bank of Rs. 0.14 crore, loans and advances to customers of Rs. 562.93 crore, investment securities of Rs. 0.1 crore, current tax assets of Rs. 4.84 crore, investment property of Rs. 0.18 crore, property and equipment of Rs. 5.96 crore, goodwill and intangible assets of Rs. 0.65 crore, deferred tax assets of Rs. 2.91 crore and other assets of Rs. 7.03 crore. Reported under total liabilities: deposits from customers of Rs. 139.11 crore, borrowings of Rs. 397.69 crore, provisions of Rs. 1.81 crore, deferred tax liabilities of Rs. 0 crore and other liabilities of Rs. 29.83 crore. Reported under total equity: share capital of Rs. 49.74 crore, retained earnings of Rs. 5.48 crore and reserves of Rs. 17.85 crore.
ILBS balance sheet for 2080/81
In the financial year 2080/81, Infinity Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 551.44 crore, total liabilities of Rs. 482.93 crore and total equity of Rs. 68.5 crore.
Reported under total assets: cash and cash equivalents of Rs. 14.1 crore, due from nepal rastra bank of Rs. 0.09 crore, loans and advances to customers of Rs. 518.83 crore, investment securities of Rs. 0.1 crore, current tax assets of Rs. 3.35 crore, investment property of Rs. 0 crore, property and equipment of Rs. 6.16 crore, goodwill and intangible assets of Rs. 0.69 crore, deferred tax assets of Rs. 1.43 crore and other assets of Rs. 6.69 crore. Reported under total liabilities: deposits from customers of Rs. 125.82 crore, borrowings of Rs. 327.13 crore, provisions of Rs. 1.81 crore, deferred tax liabilities of Rs. 0 crore and other liabilities of Rs. 28.17 crore. Reported under total equity: share capital of Rs. 49.74 crore, retained earnings of Rs. 0.49 crore and reserves of Rs. 19.25 crore.
ILBS balance sheet for 2079/80
In the financial year 2079/80, Infinity Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 476.36 crore, total liabilities of Rs. 409.76 crore and total equity of Rs. 66.6 crore.
Reported under total assets: cash and cash equivalents of Rs. 19.36 crore, due from nepal rastra bank of Rs. 0 crore, loans and advances to customers of Rs. 439.44 crore, investment securities of Rs. 0.1 crore, current tax assets of Rs. 3.08 crore, investment property of Rs. 0 crore, property and equipment of Rs. 6.09 crore, goodwill and intangible assets of Rs. 0.73 crore, deferred tax assets of Rs. 0.97 crore and other assets of Rs. 6.58 crore. Reported under total liabilities: deposits from customers of Rs. 131.93 crore, borrowings of Rs. 250.82 crore, provisions of Rs. 1.66 crore, deferred tax liabilities of Rs. 0 crore and other liabilities of Rs. 25.36 crore. Reported under total equity: share capital of Rs. 49.74 crore, retained earnings of Rs. 0.07 crore and reserves of Rs. 16.79 crore.
ILBS cash flow for 2081/82
In the financial year 2081/82, Infinity Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 32.26 crore, net cash flow from investing activities (b) of Rs. 0.44 crore, net cash flow from financing activities (c) of Rs. 0.05 crore, net increase/(decrease) in cash and cash equivalents of Rs. 31.77 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 14.18 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 45.95 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 76.22 crore, fees and other income received of Rs. 7.42 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 39.89 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 19.89 crore, other expense paid of Rs. 6.6 crore, operating cash flows before changes in operating assets and liabilities of Rs. 17.25 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. 70.48 crore, other assets of Rs. 0.34 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. 13.29 crore, borrowings of Rs. 70.56 crore, other liabilities of Rs. 3.48 crore, net cash flow from operating activities before tax paid of Rs. 33.75 crore and income taxes paid of Rs. 1.49 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. 0.25 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. 0.18 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 0 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0.05 crore.
ILBS cash flow for 2080/81
In the financial year 2080/81, Infinity Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 2.01 crore, net cash flow from investing activities (b) of Rs. 0.59 crore, net cash flow from financing activities (c) of Rs. 2.57 crore, net increase/(decrease) in cash and cash equivalents of Rs. 5.18 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 19.37 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 14.18 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 64.54 crore, fees and other income received of Rs. 4.86 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.04 crore, interest paid of Rs. 41.2 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 18.69 crore, other expense paid of Rs. 6.81 crore, operating cash flows before changes in operating assets and liabilities of Rs. 2.73 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. 82.3 crore, other assets of Rs. 5.56 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. 6.11 crore, borrowings of Rs. 76.32 crore, other liabilities of Rs. 2.39 crore, net cash flow from operating activities before tax paid of Rs. 1.41 crore and income taxes paid of Rs. 0.61 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. 0.59 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 0 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 2.57 crore.
ILBS quarterly for Q3 2082/83
In the quarter Q3 2082/83, Infinity Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 7.76 crore, net fee and commission income of Rs. 1.17 crore, total operating income of Rs. 8.93 crore, impairment charge/(reversal) of Rs. 0.86 crore, net operating income of Rs. 9.79 crore, operating expenses of Rs. 7.56 crore, operating profit of Rs. 2.23 crore, profit before income tax of Rs. 2.23 crore, income tax expense of Rs. 0.64 crore and profit for the year of Rs. 1.59 crore.
Reported under net interest income: interest income of Rs. 15.69 crore and interest expense of Rs. 7.93 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.17 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 5.49 crore, other operating expenses of Rs. 1.58 crore and depreciation & amortisation of Rs. 0.49 crore. Reported under income tax expense: current tax of Rs. 0.67 crore and deferred tax of Rs. 0.03 crore.
ILBS quarterly for Q3 2081/82
In the quarter Q3 2081/82, Infinity Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 12.65 crore, net fee and commission income of Rs. 1.95 crore, total operating income of Rs. 14.61 crore, impairment charge/(reversal) of Rs. 2.44 crore, net operating income of Rs. 17.05 crore, operating expenses of Rs. 7.49 crore, operating profit of Rs. 9.56 crore, profit before income tax of Rs. 9.56 crore, income tax expense of Rs. 2.87 crore and profit for the year of Rs. 6.69 crore.
Reported under net interest income: interest income of Rs. 21.9 crore and interest expense of Rs. 9.24 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.95 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 5.01 crore, other operating expenses of Rs. 2.37 crore and depreciation & amortisation of Rs. 0.11 crore. Reported under income tax expense: current tax of Rs. 2.87 crore and deferred tax of Rs. 0 crore.
ILBS Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|
| Net Interest Income | 36.3 | 29.0 | 29.7 | 34.5 | 28.6 |
|---|
| Interest Income | 76.2 | 70.2 | 75.1 | 69.2 | 44.3 |
|---|
| Interest Expense | -39.9 | -41.2 | -45.5 | -34.7 | -15.7 |
|---|
| Net Fee and Commission Income | 7.4 | 4.9 | 3.8 | 9.5 | 6.3 |
|---|
| Fee and Commission Income | 7.4 | 4.9 | 3.8 | 9.5 | 6.3 |
|---|
| Fee and Commission Expense | 0.00 | 0.00 | 0.00 | 0.00 | -0.01 |
|---|
| Net Trading Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | 0.00 | 0.04 | 0.00 | -0.09 | 1.0 |
|---|
| Total Operating Income | 43.7 | 33.9 | 33.5 | 43.9 | 36.0 |
|---|
| Impairment Charge/(Reversal) | -21.5 | -2.9 | -5.1 | 0.81 | -2.2 |
|---|
| Net Operating Income | 22.3 | 31.0 | 28.4 | 44.7 | 33.8 |
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| Operating Expenses | -28.6 | -26.0 | -26.3 | -28.4 | -15.1 |
|---|
| Operating Expense - Personnel Expenses | -19.9 | -18.7 | -18.8 | -16.7 | -11.6 |
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| Other Operating Expenses | -6.6 | -5.4 | -5.5 | -9.8 | -3.1 |
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| Depreciation & Amortisation | -2.1 | -2.0 | -2.1 | -1.9 | -0.43 |
|---|
| Operating Profit | -6.3 | 5.0 | 2.0 | 16.3 | 18.7 |
|---|
| Non-Operating Income/(Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Non-Operating Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit Before Income Tax | -6.3 | 5.0 | 2.0 | 16.3 | 18.7 |
|---|
| Income Tax Expense | -0.10 | -0.41 | -1.1 | -4.1 | -5.6 |
|---|
| Current Tax | -1.6 | -0.82 | -1.1 | -5.3 | -5.5 |
|---|
| Deferred Tax | 1.5 | 0.42 | 0.04 | 1.2 | -0.08 |
|---|
| Profit for the Year | -6.4 | 4.6 | 0.93 | 12.2 | 13.1 |
|---|
ILBS Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|
| Total Assets | 631 | 551 | 476 | 530 | 402 |
|---|
| Cash and Cash Equivalents | 45.8 | 14.1 | 19.4 | 25.4 | 78.1 |
|---|
| Due from Nepal Rastra Bank | 0.14 | 0.09 | 0.00 | 0.07 | 0.00 |
|---|
| Loans and Advances to Customers | 563 | 519 | 439 | 490 | 322 |
|---|
| Investment Securities | 0.10 | 0.10 | 0.10 | 0.10 | 0.30 |
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| Current Tax Assets | 4.8 | 3.3 | 3.1 | 2.3 | 0.31 |
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| Investment Property | 0.18 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Property and Equipment | 6.0 | 6.2 | 6.1 | 6.2 | 1.3 |
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| Goodwill and Intangible Assets | 0.65 | 0.69 | 0.73 | 0.70 | 0.11 |
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| Deferred Tax Assets | 2.9 | 1.4 | 0.97 | 0.84 | 0.00 |
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| Other Assets | 7.0 | 6.7 | 6.6 | 5.0 | 0.25 |
|---|
| Total Liabilities | 568 | 483 | 410 | 464 | 358 |
|---|
| Deposits from Customers | 139 | 126 | 132 | 142 | 87.4 |
|---|
| Borrowings | 398 | 327 | 251 | 291 | 258 |
|---|
| Provisions | 1.8 | 1.8 | 1.7 | 3.8 | 0.00 |
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| Deferred Tax Liabilities | 0.00 | 0.00 | 0.00 | 0.00 | 0.48 |
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| Other Liabilities | 29.8 | 28.2 | 25.4 | 26.8 | 12.0 |
|---|
| Total Equity | 62.1 | 68.5 | 66.6 | 66.4 | 44.7 |
|---|
| Share Capital | 49.7 | 49.7 | 49.7 | 41.5 | 26.1 |
|---|
| Retained Earnings | -5.5 | -0.49 | 0.07 | 9.2 | 7.7 |
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| Reserves | 17.9 | 19.3 | 16.8 | 15.8 | 11.0 |
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ILBS Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 |
|---|
| Net Cash Flow from Operating Activities (A) | 32.3 | -2.0 |
|---|
| Interest Received | 76.2 | 64.5 |
|---|
| Fees and Other Income Received | 7.4 | 4.9 |
|---|
| Dividend Received | 0.00 | 0.00 |
|---|
| Receipts from Other Operating Activities | 0.00 | 0.04 |
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| Interest Paid | -39.9 | -41.2 |
|---|
| Commission and Fees Paid | 0.00 | 0.00 |
|---|
| Cash Payment to Employees | -19.9 | -18.7 |
|---|
| Other Expense Paid | -6.6 | -6.8 |
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| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 17.2 | 2.7 |
|---|
| Due from Nepal Rastra Bank | 0.00 | 0.00 |
|---|
| Placement with Banks and Financial Institutions | 0.00 | 0.00 |
|---|
| Other Trading Assets | 0.00 | 0.00 |
|---|
| Loan and Advances to Banks and Financial Institutions | 0.00 | 0.00 |
|---|
| Loan and Advances to Customers | -70.5 | -82.3 |
|---|
| Other Assets | -0.34 | 5.6 |
|---|
| Due to Banks and Financial Institutions | 0.00 | 0.00 |
|---|
| Due to Nepal Rastra Bank | 0.00 | 0.00 |
|---|
| Deposit from Customers | 13.3 | -6.1 |
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| Borrowings | 70.6 | 76.3 |
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| Other Liabilities | 3.5 | 2.4 |
|---|
| Net Cash Flow from Operating Activities Before Tax Paid | 33.8 | -1.4 |
|---|
| Income Taxes Paid | -1.5 | -0.61 |
|---|
| Net Cash Flow from Investing Activities (B) | -0.44 | -0.59 |
|---|
| Purchase of Investment Securities | 0.00 | 0.00 |
|---|
| Receipts from Sale of Investment Securities | 0.00 | 0.00 |
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| Purchase of Property and Equipment | -0.25 | -0.59 |
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| Receipt from Sale of Property and Equipment | 0.00 | 0.00 |
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| Purchase of Intangible Assets | -0.00 | -0.00 |
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| Receipt from Sale of Intangible Assets | 0.00 | 0.00 |
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| Purchase of Investment Properties | -0.18 | 0.00 |
|---|
| Receipt from Sale of Investment Properties | 0.00 | 0.00 |
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| Interest Received | 0.00 | 0.00 |
|---|
| Dividend Received | 0.00 | 0.00 |
|---|
| Net Cash Flow from Financing Activities (C) | -0.05 | -2.6 |
|---|
| Receipt from Issue of Debt Securities | 0.00 | 0.00 |
|---|
| Repayment of Debt Securities | 0.00 | 0.00 |
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| Receipt from Issue of Subordinated Liabilities | 0.00 | 0.00 |
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| Repayment of Subordinated Liabilities | 0.00 | 0.00 |
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| Receipt from Issue of Shares | 0.00 | 0.00 |
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| Dividends Paid | 0.00 | 0.00 |
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| Interest Paid | 0.00 | 0.00 |
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| Other Receipt/Payment | -0.05 | -2.6 |
|---|
| Net Increase/(Decrease) in Cash and Cash Equivalents | 31.8 | -5.2 |
|---|
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 14.2 | 19.4 |
|---|
| Effect of Exchange Rate Fluctuations on Cash and Cash Equivalents Held | 0.00 | 0.00 |
|---|
| Cash and Cash Equivalents at Ashadh End | 46.0 | 14.2 |
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ILBS Quarterly Results
Values in Rs. Crore unless stated otherwise.
| Particulars | Q3 2082/83 | Q3 2081/82 |
|---|
| Net Interest Income | 7.8 | 12.7 |
|---|
| Interest Income | 15.7 | 21.9 |
|---|
| Interest Expense | -7.9 | -9.2 |
|---|
| Net Fee and Commission Income | 1.2 | 2.0 |
|---|
| Fee and Commission Income | 1.2 | 2.0 |
|---|
| Fee and Commission Expense | -0.00 | 0.00 |
|---|
| Total Operating Income | 8.9 | 14.6 |
|---|
| Impairment Charge/(Reversal) | 0.86 | 2.4 |
|---|
| Net Operating Income | 9.8 | 17.0 |
|---|
| Operating Expenses | -7.6 | -7.5 |
|---|
| Operating Expense - Personnel Expenses | -5.5 | -5.0 |
|---|
| Other Operating Expenses | -1.6 | -2.4 |
|---|
| Depreciation & Amortisation | -0.49 | -0.11 |
|---|
| Operating Profit | 2.2 | 9.6 |
|---|
| Profit Before Income Tax | 2.2 | 9.6 |
|---|
| Income Tax Expense | -0.64 | -2.9 |
|---|
| Current Tax | -0.67 | -2.9 |
|---|
| Deferred Tax | 0.03 | 0.00 |
|---|
| Profit for the Year | 1.6 | 6.7 |
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Infinity share price history
Over the last 15 trading sessions ILBS closed between Rs. 829.00 and Rs. 1,065.00, finishing at Rs. 1,004.90 on 2026-09-22 against Rs. 844.90 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 1,118.00 | 1,118.00 | 976.10 | 1,004.90 | 13,965 |
|---|
| 2026-09-18 | 930.00 | 1,065.00 | 930.00 | 1,065.00 | 6,363 |
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| 2026-09-17 | 925.00 | 980.00 | 925.00 | 969.90 | 7,385 |
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| 2026-09-16 | 921.00 | 960.00 | 907.00 | 958.00 | 12,507 |
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| 2026-09-15 | 880.10 | 960.00 | 880.10 | 948.00 | 8,375 |
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| 2026-09-14 | 830.00 | 925.90 | 830.00 | 925.90 | 9,175 |
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| 2026-09-11 | 836.30 | 870.00 | 822.10 | 870.00 | 8,884 |
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| 2026-09-10 | 815.00 | 857.00 | 815.00 | 857.00 | 815 |
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| 2026-09-09 | 835.00 | 841.00 | 820.00 | 833.00 | 1,568 |
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| 2026-09-07 | 815.00 | 839.00 | 815.00 | 836.90 | 1,029 |
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| 2026-09-03 | 800.00 | 844.00 | 800.00 | 837.00 | 1,697 |
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| 2026-09-02 | 830.00 | 830.00 | 821.00 | 829.00 | 213 |
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| 2026-09-01 | 811.10 | 844.50 | 811.10 | 836.00 | 1,691 |
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| 2026-08-31 | 820.00 | 849.00 | 815.50 | 834.90 | 756 |
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| 2026-08-26 | 830.00 | 850.00 | 830.00 | 844.90 | 1,501 |
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ILBS share price by year
2026, between Rs. 800.00 and Rs. 1,118.00, 2025, between Rs. 795.20 and Rs. 1,311.00, 2024, between Rs. 614.10 and Rs. 1,492.00, 2023, between Rs. 537.00 and Rs. 873.33, 2022, between Rs. 707.50 and Rs. 1,317.50 and 2021, between Rs. 580.32 and Rs. 1,396.50.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 800.00 | 1,118.00 | 168 |
|---|
| 2025 | 795.20 | 1,311.00 | 224 |
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| 2024 | 614.10 | 1,492.00 | 232 |
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| 2023 | 537.00 | 873.33 | 227 |
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| 2022 | 707.50 | 1,317.50 | 242 |
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| 2021 | 580.32 | 1,396.50 | 239 |
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| 2020 | 309.58 | 651.14 | 177 |
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| 2019 | 162.01 | 319.86 | 116 |
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Infinity share price returns
At Rs. 1,004.90 on 2026-09-22, ILBS is up 4.90% over 1 week, up 16.98% over 1 month, up 10.67% over 3 months, down 2.91% over 6 months, down 16.33% over 1 year and down 5.29% 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 | +4.90% | 958.00 | 2026-09-16 |
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| 1 month | +16.98% | 859.00 | 2026-08-24 |
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| 3 months | +10.67% | 908.00 | 2026-06-25 |
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| 6 months | -2.91% | 1,035.00 | 2026-03-26 |
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| 1 year | -16.33% | 1,201.00 | 2025-09-23 |
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| 5 years | -5.29% | 1,061.08 | 2021-09-23 |
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ILBS floorsheet for 2026-09-22
ILBS traded 122 times on 2026-09-22, moving 13,212 shares for Rs. 1.3 crore of turnover. Trades went through between Rs. 976.10 and Rs. 1,118.00.
Largest buyers by volume: broker 39, Sumeru Securities Pvt.Limited on 4,600 shares across 2 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 2,120 shares across 34 trades, broker 60, Nagarik Stock Dealer Company Ltd. on 1,963 shares across 16 trades, broker 32, Premier Securites Company Limited on 1,046 shares across 10 trades, broker 53, Investment Management Nepal Pvt. Ltd. on 505 shares across 3 trades, broker 14, Nepal Stock House Pvt. Limited on 350 shares across 3 trades, broker 95, Magnet Securities and Investment Company Private Limited on 251 shares across 8 trades, broker 64, Sun Securities Pvt. Ltd on 240 shares across 1 trades, broker 42, Sani Securities Company Limited on 232 shares across 3 trades and broker 54, Sewa Securities Pvt. Ltd. on 200 shares across 1 trades.
Largest sellers by volume: broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 4,843 shares across 8 trades, broker 95, Magnet Securities and Investment Company Private Limited on 2,066 shares across 23 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 1,130 shares across 16 trades, broker 62, Capital Max Securities Limited on 1,000 shares across 1 trades, broker 5, Market Securities Exchange Company Pvt. Limited on 863 shares across 2 trades, broker 64, Sun Securities Pvt. Ltd on 590 shares across 4 trades, broker 22, Siprabi Securities Pvt. Limited on 538 shares across 8 trades, broker 58, Naasa Securities Co. Ltd. on 380 shares across 8 trades, broker 36, Secured Securities Limited on 300 shares across 2 trades and broker 49, Online Securities Limited on 279 shares across 4 trades.
ILBS dividend history: bonus shares and cash dividend
Infinity Laghubitta Bittiya Sanstha Limited most recently declared a 20% bonus share issue for 2078/2079, announced on 2023-02-02. 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 |
|---|
| 2078/2079 | 20% | | 2023-02-02 |
| 2077/2078 | 27.7% | | 2021-12-21 |
For 2078/2079 Infinity Laghubitta Bittiya Sanstha Limited declared a 20% bonus share issue, announced on 2023-02-02.
For 2077/2078 Infinity Laghubitta Bittiya Sanstha Limited declared a 27.7% bonus share issue, announced on 2021-12-21.
ILBS general meetings
Annual and special general meetings Infinity Laghubitta Bittiya Sanstha Limited has called. A dividend is declared by the board and approved at the AGM.
- 9th AGM for 2081/2082: on 2026-01-14, at Sahamati (Institution), Vijaya Chowk, Gaidakot, Nawalparsi (Bardghat Susta East) (10:00 AM)
- 8th AGM for 2080/2081: on 2025-01-13, at Sahamati (Institution), Vijaya Chowk, Gaidakot, Nawalparsi (Bardghat Susta East) (9:00 AM)
- 7th AGM for 2079/2080: on 2024-01-13, at Sahamati (Institution), Vijaya Chowk, Gaidakot, Nawalparsi (Bardghat Susta East) (10:00 AM)
5 years of annual statements and 2 quarters of results for ILBS, with charts and peer comparison, are free on NepView.
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