Pokhara Finance Ltd. (PFL) Share Price & Fundamentals

Pokhara Finance (PFL) share price is Rs. 328.00, up 0.31% on 2026-10-12. Open Rs. 343.30. High Rs. 343.30. Low Rs. 325.00. Volume 8,838.

Pokhara Finance Ltd. is a NEPSE-listed company (PFL), Finance sector. Revenue: Rs. 18.65 Crore. Net profit: Rs. 25.43 Crore. Net worth: Rs. 61.92 Crore.

PFL strengths

What Pokhara Finance Ltd.'s own accounts show in its favour, graded against the rest of its sector.

• Lends out 70% of deposits, comfortably within the 90% Nepal Rastra Bank allows. (Liquidity & Funding)
• Earns 25.4% a year on the money shareholders put in, which is the return owners actually receive. (Profitability)
• Profit grew 61.4% on last year. (Growth)
• Bad-loan charges come to -268.5% of income, so borrowers are paying back well. (Asset Quality)
• Turns 136.4% of its income into profit once every cost is paid. (Profitability)
• Keeps 229.7% of income as profit from everyday banking, before tax. (Profitability)
• 95.8% of its funding comes from customer deposits, which are cheap and stable. (Liquidity & Funding)
• 94.6% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
• Earns 2% a year on everything the bank owns, so its loans and investments are working well. (Profitability)
• Only 1.2% of funding is borrowed, so the bank largely funds itself. (Liquidity & Funding)
• Loans are 61.9% of what the bank owns, a balanced mix alongside other assets. (Asset Quality)

PFL weaknesses

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

• Income from lending moved -33.5%, so the core business is not growing. (Growth)
• Only 1.7% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
• The loan book moved -27.5%, so lending is not expanding. (Growth)
• Deposits moved -46%, so its cheapest source of funding is not growing. (Growth)
• Only 7.7% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
• Total income moved -44.6% on last year. (Growth)
• Staff costs take 92.4% of income, a heavy load on earnings. (Efficiency)
• Owns 13.01x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
• The bank's size moved -42% over the year. (Shareholder Returns)
• Makes only 3.3% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
• Only 3.7% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)

PFL Q4 2082/83 results

In Q4 2082/83 Pokhara Finance Ltd. reported profit of Rs. 18.12 crore and total operating income of Rs. 4.15 crore. Profit in Q3 2082/83 was a loss of Rs. 16.08 crore. Profit turned from a loss to a profit on the previous quarter. Total operating income fell 44.21% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 4.19 crore. Profit grew 332.27% on the same quarter last year. Total operating income grew 487.48% on the same quarter last year.

PFL annual results 2082/83

For the financial year 2082/83 Pokhara Finance Ltd. reported net profit of Rs. 25.43 crore, total operating income of Rs. 18.65 crore and net worth of Rs. 61.92 crore. Net profit in 2081/82 was Rs. 15.76 crore. Net profit grew 61.39% on the year. Total operating income fell 44.62% on the year.

PFL profit and loss for 2082/83

In the financial year 2082/83, Pokhara Finance Ltd. reported net interest income of Rs. 17.64 crore, net fee and commission income of Rs. 0.32 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.69 crore, total operating income of Rs. 18.65 crore, impairment charge/(reversal) of Rs. 50.08 crore, net operating income of Rs. 68.73 crore, operating expenses of Rs. 25.88 crore, operating profit of Rs. 42.85 crore, non-operating income/(expense) of Rs. 7.09 crore, profit before income tax of Rs. 35.75 crore, income tax expense of Rs. 10.32 crore and profit for the year of Rs. 25.43 crore.

Reported under net interest income: interest income of Rs. 54.94 crore and interest expense of Rs. 37.3 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.51 crore and fee and commission expense of Rs. 0.19 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 17.22 crore, other operating expenses of Rs. 6.02 crore and depreciation & amortisation of Rs. 2.64 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.39 crore and non-operating expense of Rs. 8.48 crore. Reported under income tax expense: current tax of Rs. 0.23 crore and deferred tax of Rs. 10.1 crore.

PFL profit and loss for 2081/82

In the financial year 2081/82, Pokhara Finance Ltd. reported net interest income of Rs. 26.55 crore, net fee and commission income of Rs. 0.56 crore, net trading income of Rs. 0 crore, other operating income of Rs. 6.57 crore, total operating income of Rs. 33.68 crore, impairment charge/(reversal) of Rs. 37.86 crore, net operating income of Rs. 71.53 crore, operating expenses of Rs. 26.46 crore, operating profit of Rs. 45.07 crore, non-operating income/(expense) of Rs. 17.06 crore, profit before income tax of Rs. 28.01 crore, income tax expense of Rs. 12.25 crore and profit for the year of Rs. 15.76 crore.

Reported under net interest income: interest income of Rs. 91.62 crore and interest expense of Rs. 65.07 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.76 crore and fee and commission expense of Rs. 0.2 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 17.77 crore, other operating expenses of Rs. 5.93 crore and depreciation & amortisation of Rs. 2.77 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 17.06 crore. Reported under income tax expense: current tax of Rs. 4.35 crore and deferred tax of Rs. 7.9 crore.

PFL profit and loss for 2080/81

In the financial year 2080/81, Pokhara Finance Ltd. reported net interest income of Rs. 19.26 crore, net fee and commission income of Rs. 1.92 crore, net trading income of Rs. 0 crore, other operating income of Rs. 1.1 crore, total operating income of Rs. 22.27 crore, impairment charge/(reversal) of Rs. 139.25 crore, net operating income of Rs. 116.98 crore, operating expenses of Rs. 23.35 crore, operating profit of Rs. 140.33 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 140.33 crore, income tax expense of Rs. 42.27 crore and profit for the year of Rs. 98.05 crore.

Reported under net interest income: interest income of Rs. 138.12 crore and interest expense of Rs. 118.86 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.13 crore and fee and commission expense of Rs. 0.21 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 14.81 crore, other operating expenses of Rs. 5.51 crore and depreciation & amortisation of Rs. 3.03 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. 0.29 crore and deferred tax of Rs. 42.56 crore.

PFL balance sheet for 2081/82

In the financial year 2081/82, Pokhara Finance Ltd. reported total assets of Rs. 805.72 crore, total liabilities of Rs. 743.8 crore and total equity of Rs. 61.92 crore.

Reported under total assets: cash and cash equivalents of Rs. 100.52 crore, due from nepal rastra bank of Rs. 67.4 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. 1.48 crore, loans and advances to customers of Rs. 499 crore, investment securities of Rs. 20.15 crore, current tax assets of Rs. 5.28 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 48.17 crore, property and equipment of Rs. 16.29 crore, goodwill and intangible assets of Rs. 0.13 crore, deferred tax assets of Rs. 34.78 crore and other assets of Rs. 12.52 crore. Reported under total liabilities: due to banks and fis of Rs. 2.52 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 712.93 crore, borrowings of Rs. 9.3 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 19.06 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 108.26 crore, share premium of Rs. 0 crore, retained earnings of Rs. 148.91 crore, reserves of Rs. 102.58 crore and non controlling interest of Rs. 0 crore.

PFL balance sheet for 2080/81

In the financial year 2080/81, Pokhara Finance Ltd. reported total assets of Rs. 1,388.64 crore, total liabilities of Rs. 1,341.56 crore and total equity of Rs. 47.08 crore.

Reported under total assets: cash and cash equivalents of Rs. 203.59 crore, due from nepal rastra bank of Rs. 54.52 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. 65.65 crore, loans and advances to customers of Rs. 688.31 crore, investment securities of Rs. 282.33 crore, current tax assets of Rs. 8.2 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 8.13 crore, property and equipment of Rs. 17.49 crore, goodwill and intangible assets of Rs. 0.12 crore, deferred tax assets of Rs. 43.01 crore and other assets of Rs. 17.29 crore. Reported under total liabilities: due to banks and fis of Rs. 1.69 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 1,319.5 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 20.36 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 108.26 crore, share premium of Rs. 0 crore, retained earnings of Rs. 152.82 crore, reserves of Rs. 91.64 crore and non controlling interest of Rs. 0 crore.

PFL cash flow for 2080/81

In the financial year 2080/81, Pokhara Finance Ltd. reported net cash flow from operating activities (a) of Rs. 157.04 crore, net cash flow from investing activities (b) of Rs. 122.94 crore, net cash flow from financing activities (c) of Rs. 3.54 crore, net increase/(decrease) in cash and cash equivalents of Rs. 30.55 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 173.04 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. 203.59 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 128.61 crore, fees and other income received of Rs. 2.13 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.7 crore, interest paid of Rs. 120.83 crore, commission and fees paid of Rs. 0.21 crore, cash payment to employees of Rs. 15.6 crore, other expense paid of Rs. 5.9 crore, operating cash flows before changes in operating assets and liabilities of Rs. 11.11 crore, due from nepal rastra bank of Rs. 2.81 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. 6.39 crore, loan and advances to customers of Rs. 61.46 crore, other assets of Rs. 1.03 crore, due to banks and financial institutions of Rs. 24.73 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 129.49 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 1.14 crore, net cash flow from operating activities before tax paid of Rs. 158.59 crore and income taxes paid of Rs. 1.55 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 505.67 crore, receipts from sale of investment securities of Rs. 375.01 crore, purchase of property and equipment of Rs. 0.44 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.02 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. 7.79 crore and dividend received of Rs. 0.39 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. 3.54 crore.

PFL quarterly for Q4 2082/83

In the quarter Q4 2082/83, Pokhara Finance Ltd. reported net interest income of Rs. 3.75 crore, net fee and commission income of Rs. 0.11 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.29 crore, total operating income of Rs. 4.15 crore, impairment charge/(reversal) of Rs. 37.58 crore, net operating income of Rs. 41.73 crore, operating expenses of Rs. 8.79 crore, operating profit of Rs. 32.94 crore, non-operating income/(expense) of Rs. 7.7 crore, profit before income tax of Rs. 25.24 crore, income tax expense of Rs. 7.12 crore and profit for the year of Rs. 18.12 crore.

Reported under net interest income: interest income of Rs. 11.83 crore and interest expense of Rs. 8.08 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.17 crore and fee and commission expense of Rs. 0.06 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 6.25 crore, other operating expenses of Rs. 0.78 crore and depreciation & amortisation of Rs. 1.75 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.77 crore and non-operating expense of Rs. 8.47 crore. Reported under income tax expense: current tax of Rs. 1.63 crore and deferred tax of Rs. 8.75 crore.

PFL quarterly for Q3 2082/83

In the quarter Q3 2082/83, Pokhara Finance Ltd. reported net interest income of Rs. 7.15 crore, net fee and commission income of Rs. 0.05 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.23 crore, total operating income of Rs. 7.43 crore, impairment charge/(reversal) of Rs. 23.1 crore, net operating income of Rs. 15.67 crore, operating expenses of Rs. 5.88 crore, operating profit of Rs. 21.54 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 21.54 crore, income tax expense of Rs. 5.46 crore and profit for the year of Rs. 16.08 crore.

Reported under net interest income: interest income of Rs. 15.12 crore and interest expense of Rs. 7.97 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.1 crore and fee and commission expense of Rs. 0.05 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 3.86 crore, other operating expenses of Rs. 1.72 crore and depreciation & amortisation of Rs. 0.3 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. 1.01 crore and deferred tax of Rs. 6.48 crore.

PFL quarterly for Q2 2082/83

In the quarter Q2 2082/83, Pokhara Finance Ltd. reported net interest income of Rs. 3.35 crore, net fee and commission income of Rs. 0.11 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.03 crore, total operating income of Rs. 3.5 crore, impairment charge/(reversal) of Rs. 41.43 crore, net operating income of Rs. 44.93 crore, operating expenses of Rs. 5.5 crore, operating profit of Rs. 39.43 crore, non-operating income/(expense) of Rs. 0.57 crore, profit before income tax of Rs. 40 crore, income tax expense of Rs. 10.16 crore and profit for the year of Rs. 29.84 crore.

Reported under net interest income: interest income of Rs. 13.08 crore and interest expense of Rs. 9.73 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.15 crore and fee and commission expense of Rs. 0.04 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 3.42 crore, other operating expenses of Rs. 1.77 crore and depreciation & amortisation of Rs. 0.31 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.57 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.85 crore and deferred tax of Rs. 9.32 crore.

PFL quarterly for Q1 2082/83

In the quarter Q1 2082/83, Pokhara Finance Ltd. reported net interest income of Rs. 3.38 crore, net fee and commission income of Rs. 0.06 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.14 crore, total operating income of Rs. 3.58 crore, impairment charge/(reversal) of Rs. 5.83 crore, net operating income of Rs. 2.26 crore, operating expenses of Rs. 5.72 crore, operating profit of Rs. 7.98 crore, non-operating income/(expense) of Rs. 0.03 crore, profit before income tax of Rs. 7.95 crore, income tax expense of Rs. 1.5 crore and profit for the year of Rs. 6.45 crore.

Reported under net interest income: interest income of Rs. 14.92 crore and interest expense of Rs. 11.53 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.09 crore and fee and commission expense of Rs. 0.03 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 3.7 crore, other operating expenses of Rs. 1.75 crore and depreciation & amortisation of Rs. 0.27 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.04 crore and non-operating expense of Rs. 0.01 crore. Reported under income tax expense: current tax of Rs. 0 crore and deferred tax of Rs. 1.5 crore.

PFL Profit & Loss

Values in Rs. Crore unless stated otherwise.

PFL Balance Sheet

Values in Rs. Crore unless stated otherwise.

PFL Cash Flow

Values in Rs. Crore unless stated otherwise.

PFL Quarterly Results

Values in Rs. Crore unless stated otherwise.

Pokhara Finance share price history

Over the last 15 trading sessions PFL closed between Rs. 324.00 and Rs. 370.00, finishing at Rs. 328.00 on 2026-10-12 against Rs. 370.00 on 2026-09-18.

PFL share price by year

2026, between Rs. 320.00 and Rs. 442.00, 2025, between Rs. 339.90 and Rs. 600.00, 2024, between Rs. 340.00 and Rs. 794.90 and 2023, between Rs. 343.50 and Rs. 380.00.

Pokhara Finance share price returns

At Rs. 328.00 on 2026-10-12, PFL is up 1.23% over 1 week, down 13.23% over 1 month, down 13.23% over 3 months, down 15.05% over 6 months and down 13.71% over 1 year. Each return compares that close with the last close on or before the same date in the earlier period.

PFL floorsheet for 2026-10-12

PFL traded 80 times on 2026-10-12, moving 8,838 shares for Rs. 0.29 crore of turnover. Trades went through between Rs. 325.00 and Rs. 343.30.

Largest buyers by volume: broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 1,187 shares across 8 trades, broker 42, Sani Securities Company Limited on 1,120 shares across 6 trades, broker 58, Naasa Securities Co. Ltd. on 1,116 shares across 15 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 1,090 shares across 7 trades, broker 48, Trishakti Securities Public Limited on 1,020 shares across 4 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 900 shares across 1 trades, broker 17, ABC Securities Pvt. Limited on 595 shares across 5 trades, broker 5, Market Securities Exchange Company Pvt. Limited on 314 shares across 4 trades, broker 21, Midas Stock Broking Company Pvt. Limited on 300 shares across 5 trades and broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 234 shares across 3 trades.

Largest sellers by volume: broker 41, Linch Stock Market Limited on 1,345 shares across 7 trades, broker 45, Imperial Securities Co. Limited on 1,322 shares across 9 trades, broker 34, Vision Securities Pvt.Limited on 1,026 shares across 5 trades, broker 6, Agrawal Securities Pvt. Limited on 1,010 shares across 12 trades, broker 47, Neev Securities Pvt.Ltd on 953 shares across 2 trades, broker 42, Sani Securities Company Limited on 510 shares across 10 trades, broker 49, Online Securities Limited on 350 shares across 2 trades, broker 10, Pragyan Securities Pvt. Limited on 323 shares across 2 trades, broker 19, Nepal Investment & Securities Trading Pvt. Limited on 300 shares across 2 trades and broker 56, Sri Hari Securities Pvt.Ltd on 300 shares across 1 trades.

PFL dividend history: bonus shares and cash dividend

Pokhara Finance Ltd. most recently declared a 4% bonus share issue for 2078/2079, announced on 2022-12-24. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2078/2079 Pokhara Finance Ltd. declared a 4% bonus share issue, announced on 2022-12-24.

For 2077/2078 Pokhara Finance Ltd. declared an 8.075% bonus share issue, announced on 2021-12-24.

PFL general meetings

Annual and special general meetings Pokhara Finance Ltd. has called. A dividend is declared by the board and approved at the AGM.

• 29th AGM for 2081/2082: on 2026-01-28, at Durbarthok Banquet, Banstolathar, Pokhara-09, Kaski (11:00 AM)
• 27th AGM for 2079/2080: on 2024-01-14, at Durbarthok Banquet, Banstolathar, Pokhara-09, Kaski (9:00 AM)
• 26th AGM for 2078/2079: on 2023-01-14, at Durbarthok Banquet, Pokhara - 09, Kaski (9:00 AM)

3 years of annual statements and 8 quarters of results for PFL, with charts and peer comparison, are free on NepView.

New to these statements? How to read a profit and loss statement, How to read a balance sheet, How to read a cash flow statement, How to read quarterly results.

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