RSDC Laghubitta Bittiya Sanstha Ltd. (RSDC) Share Price & Fundamentals

RSDC (RSDC) share price is Rs. 613.10, down 0.57% on 2026-10-12. Open Rs. 613.00. High Rs. 616.00. Low Rs. 610.50. Volume 1,734.

RSDC Laghubitta Bittiya Sanstha Ltd. is a NEPSE-listed company (RSDC), Microfinance sector. Revenue: Rs. 19.69 Crore. Net profit: Rs. 13.82 Crore. Net worth: Rs. 130.06 Crore.

About RSDC Laghubitta Bittiya Sanstha Ltd.

RSDC Laghubitta Bittiya Sanstha Limited is a national-level class D WHOLESALE microfinance institution licensed by Nepal Rastra Bank - it lends to cooperatives and other microfinance institutions rather than directly to borrowers, and was the first wholesale microfinance registered with its head office outside the Kathmandu Valley. It began operations on 26 Bhadra 2070 BS (11 September 2013) from Butwal, Rupandehi, in Lumbini Province, promoted by the former Lumbini Bank (now Global IME Bank) together with 172 individuals from 40 districts.

RSDC Laghubitta Bittiya Sanstha Ltd. (RSDC) has 1,03,40,644 shares outstanding. It listed on NEPSE in 2016. Its most recent declared dividend was 8.00% on face value.

Company website: www.rsdcmf.com.

RSDC key metrics

RSDC strengths

What RSDC Laghubitta Bittiya Sanstha Ltd.'s own accounts show in its favour, graded against the rest of its sector.

• Profit grew 35.8% on last year. (Growth)
• Bad-loan charges come to -28.3% of income, so borrowers are paying back well. (Asset Quality)
• 15.9% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
• Turns 70.2% of its income into profit once every cost is paid. (Profitability)
• Keeps 99.8% of income as profit from everyday banking, before tax. (Profitability)
• Owns 6.29x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
• 97.3% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
• Loans are 0.1% of what the bank owns, a balanced mix alongside other assets. (Asset Quality)
• The bank grew 23.3% bigger over the year. (Shareholder Returns)
• The loan book grew 16.2% on last year, so more money is being put to work. (Growth)
• Staff costs come to 21.9% of income, so wages are well controlled. (Efficiency)

RSDC 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 7.8%, below what owners would hope for. (Profitability)
• Income from lending moved -14.4%, so the core business is not growing. (Growth)
• Makes only 2.7% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
• Only 2.7% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
• Each share produced Rs 13.37 over the year. (Shareholder Returns)
• Total income moved -14% on last year. (Growth)
• Each share is backed by only Rs 125.78 of net worth. (Shareholder Returns)
• 99% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
• Only 0.1% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)
• Return on everything it owns is 1.2%, so its assets are not producing much. (Profitability)

RSDC Q4 2082/83 results

In Q4 2082/83 RSDC Laghubitta Bittiya Sanstha Ltd. reported profit of Rs. 7.26 crore and total operating income of Rs. 4.42 crore. Profit in Q3 2082/83 was a loss of Rs. 1.1 crore. Profit turned from a loss to a profit on the previous quarter. Total operating income grew 9.17% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 3.33 crore. Profit grew 118.00% on the same quarter last year. Total operating income fell 20.05% on the same quarter last year.

RSDC annual results 2082/83

For the financial year 2082/83 RSDC Laghubitta Bittiya Sanstha Ltd. reported net profit of Rs. 13.82 crore, total operating income of Rs. 19.69 crore and net worth of Rs. 130.06 crore. Net profit in 2081/82 was Rs. 10.18 crore. Net profit grew 35.76% on the year. Total operating income fell 13.95% on the year.

RSDC profit and loss for 2082/83

In the financial year 2082/83, RSDC Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 19.15 crore, net fee and commission income of Rs. 0.53 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.01 crore, total operating income of Rs. 19.69 crore, impairment charge/(reversal) of Rs. 5.58 crore, net operating income of Rs. 25.28 crore, operating expenses of Rs. 5.63 crore, operating profit of Rs. 19.65 crore, non-operating income/(expense) of Rs. 0.2 crore, profit before income tax of Rs. 19.85 crore, income tax expense of Rs. 6.03 crore and profit for the year of Rs. 13.82 crore.

Reported under net interest income: interest income of Rs. 41.39 crore and interest expense of Rs. 22.24 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.63 crore and fee and commission expense of Rs. 0.1 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 4.31 crore, other operating expenses of Rs. 1.05 crore and depreciation & amortisation of Rs. 0.27 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.2 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 5.95 crore and deferred tax of Rs. 0.07 crore.

RSDC profit and loss for 2081/82

In the financial year 2081/82, RSDC Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 22.37 crore, net fee and commission income of Rs. 0.52 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 22.89 crore, impairment charge/(reversal) of Rs. 2.68 crore, net operating income of Rs. 20.2 crore, operating expenses of Rs. 5.51 crore, operating profit of Rs. 14.7 crore, non-operating income/(expense) of Rs. 0.1 crore, profit before income tax of Rs. 14.79 crore, income tax expense of Rs. 4.61 crore and profit for the year of Rs. 10.18 crore.

Reported under net interest income: interest income of Rs. 59.79 crore and interest expense of Rs. 37.43 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.95 crore and fee and commission expense of Rs. 0.43 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 3.94 crore, other operating expenses of Rs. 1.25 crore and depreciation & amortisation of Rs. 0.32 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.1 crore and non-operating expense of Rs. 0.01 crore. Reported under income tax expense: current tax of Rs. 4.75 crore and deferred tax of Rs. 0.14 crore.

RSDC profit and loss for 2080/81

In the financial year 2080/81, RSDC Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 28.98 crore, net fee and commission income of Rs. 1.54 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 30.53 crore, impairment charge/(reversal) of Rs. 0.66 crore, net operating income of Rs. 31.18 crore, operating expenses of Rs. 6.04 crore, operating profit of Rs. 25.15 crore, non-operating income/(expense) of Rs. 0.07 crore, profit before income tax of Rs. 25.21 crore, income tax expense of Rs. 11.04 crore and profit for the year of Rs. 14.17 crore.

Reported under net interest income: interest income of Rs. 87.22 crore and interest expense of Rs. 58.23 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.82 crore and fee and commission expense of Rs. 0.28 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 4.65 crore, other operating expenses of Rs. 1.07 crore and depreciation & amortisation of Rs. 0.32 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.07 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 11.17 crore and deferred tax of Rs. 0.13 crore.

RSDC balance sheet for 2081/82

In the financial year 2081/82, RSDC Laghubitta Bittiya Sanstha Ltd. reported total assets of Rs. 817.9 crore, total liabilities of Rs. 687.84 crore and total equity of Rs. 130.06 crore.

Reported under total assets: cash and cash equivalents of Rs. 183.23 crore, due from nepal rastra bank of Rs. 3.5 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. 627.51 crore, loans and advances to customers of Rs. 0.99 crore, investment securities of Rs. 0.2 crore, current tax assets of Rs. 0 crore, investment property of Rs. 0 crore, property and equipment of Rs. 0.23 crore, goodwill and intangible assets of Rs. 0.05 crore, deferred tax assets of Rs. 0.38 crore and other assets of Rs. 1.8 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. 680.91 crore, current tax liabilities of Rs. 0.05 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 6.88 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 103.41 crore, share premium of Rs. 0 crore, retained earnings of Rs. 8.34 crore and reserves of Rs. 18.32 crore.

RSDC balance sheet for 2080/81

In the financial year 2080/81, RSDC Laghubitta Bittiya Sanstha Ltd. reported total assets of Rs. 663.46 crore, total liabilities of Rs. 542.84 crore and total equity of Rs. 120.62 crore.

Reported under total assets: cash and cash equivalents of Rs. 23.93 crore, due from nepal rastra bank of Rs. 5.51 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. 630.61 crore, loans and advances to customers of Rs. 0.86 crore, investment securities of Rs. 0.2 crore, current tax assets of Rs. 0 crore, investment property of Rs. 0 crore, property and equipment of Rs. 0.44 crore, goodwill and intangible assets of Rs. 0.01 crore, deferred tax assets of Rs. 0.22 crore and other assets of Rs. 1.69 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. 535.93 crore, current tax liabilities of Rs. 1.19 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 5.72 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 94.44 crore, share premium of Rs. 0 crore, retained earnings of Rs. 9.73 crore and reserves of Rs. 16.45 crore.

RSDC balance sheet for 2079/80

In the financial year 2079/80, RSDC Laghubitta Bittiya Sanstha Ltd. reported total assets of Rs. 694.01 crore, total liabilities of Rs. 587.01 crore and total equity of Rs. 106.99 crore.

Reported under total assets: cash and cash equivalents of Rs. 13.82 crore, due from nepal rastra bank of Rs. 3.99 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. 671.43 crore, loans and advances to customers of Rs. 0.76 crore, investment securities of Rs. 0.2 crore, current tax assets of Rs. 1.22 crore, investment property of Rs. 0 crore, property and equipment of Rs. 0.53 crore, goodwill and intangible assets of Rs. 0.02 crore, deferred tax assets of Rs. 0.08 crore and other assets of Rs. 1.96 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. 582.63 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 4.39 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 86.96 crore, share premium of Rs. 0 crore, retained earnings of Rs. 7.93 crore and reserves of Rs. 12.11 crore.

RSDC cash flow for 2081/82

In the financial year 2081/82, RSDC Laghubitta Bittiya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 159.84 crore, net cash flow from investing activities (b) of Rs. 0.07 crore, net cash flow from financing activities (c) of Rs. 0.48 crore, net increase/(decrease) in cash and cash equivalents of Rs. 159.29 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 23.93 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. 183.23 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 60.01 crore, fees and other income received of Rs. 0.95 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.1 crore, interest paid of Rs. 37.58 crore, commission and fees paid of Rs. 0.43 crore, cash payment to employees of Rs. 4.86 crore, other expense paid of Rs. 1.54 crore, operating cash flows before changes in operating assets and liabilities of Rs. 60.01 crore, (increase)/decrease in operating assets of Rs. 2.05 crore, due from nepal rastra bank of Rs. 0 crore, placement with banks and financial institutions of Rs. 2 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 0.19 crore, loan and advances to customers of Rs. 0.06 crore, other assets of Rs. 0.21 crore, increase/(decrease) in operating liabilities of Rs. 147.02 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. 144.97 crore, other liabilities of Rs. 2.05 crore, net cash flow from operating activities before tax paid of Rs. 165.73 crore and income taxes paid of Rs. 5.89 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. 0.07 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. 0.48 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

RSDC cash flow for 2080/81

In the financial year 2080/81, RSDC Laghubitta Bittiya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 10.65 crore, net cash flow from investing activities (b) of Rs. 0.14 crore, net cash flow from financing activities (c) of Rs. 0.39 crore, net increase/(decrease) in cash and cash equivalents of Rs. 10.11 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 13.82 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. 23.93 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 85.16 crore, fees and other income received of Rs. 1.82 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.07 crore, interest paid of Rs. 58.62 crore, commission and fees paid of Rs. 0.28 crore, cash payment to employees of Rs. 3.52 crore, other expense paid of Rs. 1.29 crore, operating cash flows before changes in operating assets and liabilities of Rs. 85.16 crore, (increase)/decrease in operating assets of Rs. 42.48 crore, due from nepal rastra bank of Rs. 0 crore, placement with banks and financial institutions of Rs. 1.51 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 44.77 crore, loan and advances to customers of Rs. 0.46 crore, other assets of Rs. 0.33 crore, increase/(decrease) in operating liabilities of Rs. 46.4 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. 46.69 crore, other liabilities of Rs. 0.29 crore, net cash flow from operating activities before tax paid of Rs. 19.41 crore and income taxes paid of Rs. 8.76 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. 0.15 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. 0.39 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

RSDC cash flow for 2079/80

In the financial year 2079/80, RSDC Laghubitta Bittiya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 3.97 crore, net cash flow from investing activities (b) of Rs. 0.06 crore, net cash flow from financing activities (c) of Rs. 2.42 crore, net increase/(decrease) in cash and cash equivalents of Rs. 6.45 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 20.27 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. 13.82 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 93.66 crore, fees and other income received of Rs. 3.78 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 65.4 crore, commission and fees paid of Rs. 1.25 crore, cash payment to employees of Rs. 3.45 crore, other expense paid of Rs. 1.27 crore, operating cash flows before changes in operating assets and liabilities of Rs. 26.07 crore, (increase)/decrease in operating assets of Rs. 143.93 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. 141.99 crore, loan and advances to customers of Rs. 0.08 crore, other assets of Rs. 2.02 crore, increase/(decrease) in operating liabilities of Rs. 118.18 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. 117.91 crore, other liabilities of Rs. 0.27 crore, net cash flow from operating activities before tax paid of Rs. 0.33 crore and income taxes paid of Rs. 4.3 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, receipt from sale of property and equipment of Rs. 0.01 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. 2.42 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

RSDC quarterly for Q4 2082/83

In the quarter Q4 2082/83, RSDC Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 4.39 crore, net fee and commission income of Rs. 0.23 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.2 crore, total operating income of Rs. 4.42 crore, impairment charge/(reversal) of Rs. 7.74 crore, net operating income of Rs. 12.17 crore, operating expenses of Rs. 1.98 crore, operating profit of Rs. 10.18 crore, non-operating income/(expense) of Rs. 0.2 crore, profit before income tax of Rs. 10.39 crore, income tax expense of Rs. 3.13 crore and profit for the year of Rs. 7.26 crore.

Reported under net interest income: interest income of Rs. 8.41 crore and interest expense of Rs. 4.02 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.23 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 1.56 crore, other operating expenses of Rs. 0.34 crore and depreciation & amortisation of Rs. 0.08 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.2 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 3.06 crore and deferred tax of Rs. 0.07 crore.

RSDC quarterly for Q3 2082/83

In the quarter Q3 2082/83, RSDC Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 4 crore, net fee and commission income of Rs. 0.05 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 4.05 crore, impairment charge/(reversal) of Rs. 4.9 crore, net operating income of Rs. 0.85 crore, operating expenses of Rs. 0.65 crore, operating profit of Rs. 1.5 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 1.5 crore, income tax expense of Rs. 0.39 crore and profit for the year of Rs. 1.1 crore.

Reported under net interest income: interest income of Rs. 9.11 crore and interest expense of Rs. 5.11 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.07 crore and fee and commission expense of Rs. 0.02 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 0.33 crore, other operating expenses of Rs. 0.25 crore and depreciation & amortisation of Rs. 0.07 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. 0.39 crore and deferred tax of Rs. 0 crore.

RSDC quarterly for Q2 2082/83

In the quarter Q2 2082/83, RSDC Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 6.28 crore, net fee and commission income of Rs. 0.04 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.21 crore, total operating income of Rs. 6.52 crore, impairment charge/(reversal) of Rs. 3.16 crore, net operating income of Rs. 9.69 crore, operating expenses of Rs. 1.74 crore, operating profit of Rs. 7.95 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 7.95 crore, income tax expense of Rs. 2.39 crore and profit for the year of Rs. 5.56 crore.

Reported under net interest income: interest income of Rs. 12.19 crore and interest expense of Rs. 5.91 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.11 crore and fee and commission expense of Rs. 0.07 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 1.42 crore, other operating expenses of Rs. 0.25 crore and depreciation & amortisation of Rs. 0.07 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. 2.38 crore and deferred tax of Rs. 0.01 crore.

RSDC quarterly for Q1 2082/83

In the quarter Q1 2082/83, RSDC Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 4.48 crore, net fee and commission income of Rs. 0.21 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 4.69 crore, impairment charge/(reversal) of Rs. 0.43 crore, net operating income of Rs. 4.27 crore, operating expenses of Rs. 1.25 crore, operating profit of Rs. 3.02 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 3.02 crore, income tax expense of Rs. 0.9 crore and profit for the year of Rs. 2.11 crore.

Reported under net interest income: interest income of Rs. 11.68 crore and interest expense of Rs. 7.2 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.22 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 0.99 crore, other operating expenses of Rs. 0.21 crore and depreciation & amortisation of Rs. 0.04 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. 0.9 crore and deferred tax of Rs. 0 crore.

RSDC Profit & Loss

Values in Rs. Crore unless stated otherwise.

RSDC Balance Sheet

Values in Rs. Crore unless stated otherwise.

RSDC Cash Flow

Values in Rs. Crore unless stated otherwise.

RSDC Quarterly Results

Values in Rs. Crore unless stated otherwise.

RSDC share price history

Over the last 15 trading sessions RSDC closed between Rs. 612.10 and Rs. 640.00, finishing at Rs. 613.10 on 2026-10-12 against Rs. 632.60 on 2026-09-18.

RSDC share price by year

2026, between Rs. 578.70 and Rs. 763.00, 2025, between Rs. 586.00 and Rs. 880.00, 2024, between Rs. 459.36 and Rs. 812.79, 2023, between Rs. 387.67 and Rs. 582.76, 2022, between Rs. 350.38 and Rs. 681.30 and 2021, between Rs. 400.64 and Rs. 845.45.

RSDC share price returns

At Rs. 613.10 on 2026-10-12, RSDC is down 0.47% over 1 week, down 1.90% over 1 month, down 2.99% over 3 months, down 14.01% over 6 months, up 1.34% over 1 year and up 3.11% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

RSDC floorsheet for 2026-10-12

RSDC traded 25 times on 2026-10-12, moving 1,734 shares for Rs. 0.11 crore of turnover. Trades went through between Rs. 610.50 and Rs. 616.00.

Largest buyers by volume: broker 45, Imperial Securities Co. Limited on 520 shares across 7 trades, broker 14, Nepal Stock House Pvt. Limited on 200 shares across 1 trades, broker 11, Malla & Malla Stock Broking Company Pvt. Limited on 200 shares across 3 trades, broker 58, Naasa Securities Co. Ltd. on 175 shares across 4 trades, broker 62, Capital Max Securities Limited on 159 shares across 3 trades, broker 42, Sani Securities Company Limited on 150 shares across 1 trades, broker 65, Sharepro Securities Private Limited on 100 shares across 1 trades, broker 34, Vision Securities Pvt.Limited on 100 shares across 2 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 100 shares across 1 trades and broker 8, Ashutosh Brokerage & Securities Pvt. Limited on 20 shares across 1 trades.

Largest sellers by volume: broker 92, Roadshow Securities Limited on 500 shares across 5 trades, broker 25, Sweta Securities Pvt. Limited on 200 shares across 4 trades, broker 45, Imperial Securities Co. Limited on 200 shares across 1 trades, broker 58, Naasa Securities Co. Ltd. on 184 shares across 3 trades, broker 42, Sani Securities Company Limited on 169 shares across 3 trades, broker 14, Nepal Stock House Pvt. Limited on 147 shares across 1 trades, broker 62, Capital Max Securities Limited on 100 shares across 1 trades, broker 13, Thrive Brokerage House Pvt. Limited on 71 shares across 1 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 60 shares across 1 trades and broker 17, ABC Securities Pvt. Limited on 50 shares across 2 trades.

RSDC dividend history: bonus shares and cash dividend

RSDC Laghubitta Bittiya Sanstha Ltd. most recently declared a 10% bonus share issue and an 8% cash dividend, 18% in total for 2081/2082, announced on 2025-12-14. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2081/2082 RSDC Laghubitta Bittiya Sanstha Ltd. declared a 10% bonus share issue and an 8% cash dividend, 18% in total, announced on 2025-12-14.

For 2080/2081 RSDC Laghubitta Bittiya Sanstha Ltd. declared a 9.5% bonus share issue, announced on 2024-12-19.

For 2079/2080 RSDC Laghubitta Bittiya Sanstha Ltd. declared an 8.6% bonus share issue, announced on 2023-11-05.

For 2078/2079 RSDC Laghubitta Bittiya Sanstha Ltd. declared an 8% bonus share issue and a 3% cash dividend, 11% in total, announced on 2022-12-23.

RSDC general meetings

Annual and special general meetings RSDC Laghubitta Bittiya Sanstha Ltd. has called. A dividend is declared by the board and approved at the AGM.

• 12th AGM for 2081/2082: on 2025-11-28, at Western Asian Hotel Pvt. Limited., Butwal, Rupandehi (9:30 AM)
• 11th AGM for 2080/2081: on 2025-01-13, at Western Asian Hotel Pvt. Limited., Butwal, Rupandehi (9:30 AM)
• 10th AGM for 2079/2080: on 2023-12-01, at Western Asian Hotel Pvt. Limited., Butwal-10, Kalikanagar, Rupandehi (9:00 AM)

6 years of annual statements and 9 quarters of results for RSDC, with charts and peer comparison, are free on NepView.

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