Shrijanshil Laghubitta Bittiya Sanstha Limited (SHLB) Share Price & Fundamentals

Shrijanshil (SHLB) share price is Rs. 1,315.90, down 2.99% on 2026-09-22. Open Rs. 1,320.00. High Rs. 1,320.00. Low Rs. 1,315.90. Volume 40.

Shrijanshil Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (SHLB), Microfinance sector. Revenue: Rs. 13.09 Crore. Net profit: Rs. 1.4 Crore. Net worth: Rs. 22.7 Crore.

About Shrijanshil Laghubitta Bittiya Sanstha Limited

Shrijanshil Laghubitta Bittiya Sanstha Limited is a national-level 'D'-class microfinance financial institution licensed by Nepal Rastra Bank, with its head office at Golbazar Municipality-7, Choharwa, Siraha. The institution provides microcredit, deposit, and financial-literacy services to members, primarily in underserved rural communities, following the microfinance group-lending model. Its ordinary shares were listed on the Nepal Stock Exchange (NEPSE) under the symbol SHLB on 13 December 2022. In recent fiscal years the institution's performance has been affected by the nationwide microfinance loan-recovery difficulties and loan write-off campaigns, which pressured asset quality and profitability across the microfinance sector.

Shrijanshil Laghubitta Bittiya Sanstha Limited (SHLB) has 10,93,750 shares outstanding. It listed on NEPSE in 2022.

SHLB key metrics

Market Cap	Rs. 143.93 Crore
P/E Ratio	102.52
P/E Ratio (TTM)	42.71
EPS	Rs. 12.84
EPS (TTM)	Rs. 30.81
Book Value	Rs. 207.51
Dividend Yield	0.00%
Face Value	Rs. 100.00
52 Week High	Rs. 1,961.00
52 Week Low	Rs. 1,220.00
Listed Since	2022

SHLB strengths

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

86.6% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
Makes 4.6% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
Each share earned Rs 30.81 of profit over the year. (Shareholder Returns)
Income from lending grew 13% on last year, so the core business is expanding. (Growth)
Each share is backed by Rs 207.51 of the bank's own net worth. (Shareholder Returns)

SHLB weaknesses

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

Return on shareholders' money is 6.2%, below what owners would hope for. (Profitability)
Return on everything it owns is 0.6%, so its assets are not producing much. (Profitability)
Profit moved -25.3% on last year, so earnings are not building up. (Growth)
Only 36% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
22.6% of income is lost to loans going bad, which eats directly into profit. (Asset Quality)
Deposits moved -7.4%, so its cheapest source of funding is not growing. (Growth)
Net profit margin is 15.3%, less than most lenders keep once every cost is paid. (Profitability)
Staff costs take 41.2% of income, a heavy load on earnings. (Efficiency)
Loans are 93.6% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
Operating margin is 21.9%, so running costs take too much of what core banking earns. (Profitability)
The loan book moved 0.2%, so lending is not expanding. (Growth)
52.3% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
The bank's size moved -3.4% over the year. (Shareholder Returns)
Only 9.7% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
Only 11.6% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
Owns 10.32x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
Total income moved 9.6% on last year. (Growth)

SHLB Q3 2082/83 results

In Q3 2082/83 Shrijanshil Laghubitta Bittiya Sanstha Limited reported profit of Rs. 3.65 crore and total operating income of Rs. 4.85 crore. Profit in Q2 2082/83 was a loss of Rs. 0.07 crore. Profit turned from a loss to a profit on the previous quarter. Total operating income fell 5.53% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was Rs. 0.5 crore. Profit grew 635.84% on the same quarter last year. Total operating income grew 40.79% on the same quarter last year.

SHLB annual results 2080/81

For the financial year 2080/81 Shrijanshil Laghubitta Bittiya Sanstha Limited reported net profit of Rs. 1.4 crore, total operating income of Rs. 13.09 crore and net worth of Rs. 22.7 crore. Net profit in 2079/80 was a loss of Rs. 4.09 crore. Net profit turned from a loss to a profit on the year. Total operating income fell 12.82% on the year.

SHLB profit and loss for 2080/81

In the financial year 2080/81, Shrijanshil Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 10.78 crore, net fee and commission income of Rs. 2.31 crore, other operating income of Rs. 0 crore, total operating income of Rs. 13.09 crore, impairment charge/(reversal) of Rs. 0.03 crore, net operating income of Rs. 13.12 crore, operating expenses of Rs. 10.89 crore, operating profit of Rs. 2.23 crore, profit before income tax of Rs. 2.23 crore, income tax expense of Rs. 0.83 crore and profit for the year of Rs. 1.4 crore.

Reported under net interest income: interest income of Rs. 31.36 crore and interest expense of Rs. 20.58 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.31 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 8.72 crore, other operating expenses of Rs. 1.45 crore and depreciation & amortisation of Rs. 0.72 crore. Reported under income tax expense: current tax of Rs. 0.72 crore and deferred tax of Rs. 0.11 crore.

SHLB profit and loss for 2079/80

In the financial year 2079/80, Shrijanshil Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 12.5 crore, net fee and commission income of Rs. 2.51 crore, other operating income of Rs. 0 crore, total operating income of Rs. 15.02 crore, impairment charge/(reversal) of Rs. 5.24 crore, net operating income of Rs. 9.78 crore, operating expenses of Rs. 12.79 crore, operating profit of Rs. 3.02 crore, profit before income tax of Rs. 3.02 crore, income tax expense of Rs. 1.08 crore and profit for the year of Rs. 4.09 crore.

Reported under net interest income: interest income of Rs. 34.87 crore and interest expense of Rs. 22.37 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.52 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 10.32 crore, other operating expenses of Rs. 1.65 crore and depreciation & amortisation of Rs. 0.83 crore. Reported under income tax expense: current tax of Rs. 0.77 crore and deferred tax of Rs. 0.31 crore.

SHLB profit and loss for 2078/79

In the financial year 2078/79, Shrijanshil Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 15.68 crore, net fee and commission income of Rs. 2.86 crore, other operating income of Rs. 0 crore, total operating income of Rs. 18.54 crore, impairment charge/(reversal) of Rs. 7.84 crore, net operating income of Rs. 10.7 crore, operating expenses of Rs. 10.37 crore, operating profit of Rs. 0.33 crore, profit before income tax of Rs. 0.33 crore, income tax expense of Rs. 0.45 crore and profit for the year of Rs. 0.12 crore.

Reported under net interest income: interest income of Rs. 32.87 crore and interest expense of Rs. 17.19 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.86 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 8.05 crore, other operating expenses of Rs. 1.53 crore and depreciation & amortisation of Rs. 0.79 crore. Reported under income tax expense: current tax of Rs. 0.44 crore and deferred tax of Rs. 0.01 crore.

SHLB balance sheet for 2080/81

In the financial year 2080/81, Shrijanshil Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 234.2 crore, total liabilities of Rs. 211.5 crore and total equity of Rs. 22.7 crore.

Reported under total assets: cash and cash equivalents of Rs. 9.27 crore, due from nepal rastra bank of Rs. 1.38 crore, loans and advances to customers of Rs. 219.3 crore, investment securities of Rs. 0 crore, current tax assets of Rs. 1.59 crore, property and equipment of Rs. 1.47 crore, goodwill and intangible assets of Rs. 0.01 crore, deferred tax assets of Rs. 0.22 crore and other assets of Rs. 0.96 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, deposits from customers of Rs. 76.18 crore, borrowings of Rs. 110.69 crore, current tax liabilities of Rs. 0.68 crore, deferred tax liabilities of Rs. 0 crore and other liabilities of Rs. 23.94 crore. Reported under total equity: share capital of Rs. 10.94 crore, retained earnings of Rs. 0.57 crore and reserves of Rs. 11.19 crore.

SHLB balance sheet for 2079/80

In the financial year 2079/80, Shrijanshil Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 242.51 crore, total liabilities of Rs. 221.26 crore and total equity of Rs. 21.26 crore.

Reported under total assets: cash and cash equivalents of Rs. 14.58 crore, due from nepal rastra bank of Rs. 3.19 crore, loans and advances to customers of Rs. 218.83 crore, investment securities of Rs. 0.03 crore, current tax assets of Rs. 2.34 crore, property and equipment of Rs. 1.67 crore, goodwill and intangible assets of Rs. 0.01 crore, deferred tax assets of Rs. 0.33 crore and other assets of Rs. 1.54 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, deposits from customers of Rs. 82.3 crore, borrowings of Rs. 123.14 crore, current tax liabilities of Rs. 0.74 crore, deferred tax liabilities of Rs. 0 crore and other liabilities of Rs. 15.08 crore. Reported under total equity: share capital of Rs. 10.94 crore, retained earnings of Rs. 0.63 crore and reserves of Rs. 10.95 crore.

SHLB balance sheet for 2078/79

In the financial year 2078/79, Shrijanshil Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 236.96 crore, total liabilities of Rs. 214.68 crore and total equity of Rs. 22.28 crore.

Reported under total assets: cash and cash equivalents of Rs. 6.68 crore, due from nepal rastra bank of Rs. 1.22 crore, loans and advances to customers of Rs. 223.34 crore, investment securities of Rs. 0.04 crore, current tax assets of Rs. 2.2 crore, property and equipment of Rs. 0.9 crore, goodwill and intangible assets of Rs. 1.06 crore, deferred tax assets of Rs. 0.14 crore and other assets of Rs. 1.39 crore. Reported under total liabilities: due to banks and fis of Rs. 116.37 crore, deposits from customers of Rs. 82.45 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 0.44 crore, deferred tax liabilities of Rs. 0 crore and other liabilities of Rs. 15.42 crore. Reported under total equity: share capital of Rs. 7 crore, retained earnings of Rs. 3.74 crore and reserves of Rs. 11.54 crore.

SHLB cash flow for 2080/81

In the financial year 2080/81, Shrijanshil Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 6.66 crore, net cash flow from investing activities (b) of Rs. 0.49 crore, net cash flow from financing activities (c) of Rs. 0.04 crore, net increase/(decrease) in cash and cash equivalents of Rs. 7.11 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 17.77 crore and cash and cash equivalents at ashadh end of Rs. 10.65 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 31.36 crore, fees and other income received of Rs. 2.31 crore, interest paid of Rs. 20.58 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 8.72 crore, other expense paid of Rs. 1.45 crore, operating cash flows before changes in operating assets and liabilities of Rs. 2.93 crore, loan and advances to customers of Rs. 0.44 crore, other assets of Rs. 1.33 crore, deposit from customers of Rs. 6.12 crore, borrowings of Rs. 12.45 crore, other liabilities of Rs. 8.87 crore, net cash flow from operating activities before tax paid of Rs. 5.89 crore and income taxes paid of Rs. 0.77 crore. Reported under net cash flow from investing activities (b): receipts from sale of investment securities of Rs. 0.03 crore, purchase of property and equipment of Rs. 0.52 crore and purchase of intangible assets of Rs. 0 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore and other receipt/payment of Rs. 0.04 crore.

SHLB cash flow for 2079/80

In the financial year 2079/80, Shrijanshil Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 6.37 crore, net cash flow from investing activities (b) of Rs. 0.44 crore, net cash flow from financing activities (c) of Rs. 3.94 crore, net increase/(decrease) in cash and cash equivalents of Rs. 9.87 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 7.9 crore and cash and cash equivalents at ashadh end of Rs. 17.77 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 34.78 crore, fees and other income received of Rs. 2.52 crore, interest paid of Rs. 22.37 crore, commission and fees paid of Rs. 0.01 crore, cash payment to employees of Rs. 10.32 crore, other expense paid of Rs. 1.65 crore, operating cash flows before changes in operating assets and liabilities of Rs. 2.96 crore, loan and advances to customers of Rs. 1.86 crore, other assets of Rs. 0.44 crore, deposit from customers of Rs. 0.15 crore, borrowings of Rs. 6.77 crore, other liabilities of Rs. 0.45 crore, net cash flow from operating activities before tax paid of Rs. 6.83 crore and income taxes paid of Rs. 0.46 crore. Reported under net cash flow from investing activities (b): receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 0.44 crore and purchase of intangible assets of Rs. 0 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, receipt from issue of shares of Rs. 3.94 crore and other receipt/payment of Rs. 0.01 crore.

SHLB cash flow for 2078/79

In the financial year 2078/79, Shrijanshil Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 26.62 crore, net cash flow from investing activities (b) of Rs. 0.46 crore, net cash flow from financing activities (c) of Rs. 7.51 crore, net increase/(decrease) in cash and cash equivalents of Rs. 19.58 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 27.48 crore and cash and cash equivalents at ashadh end of Rs. 7.9 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 32.53 crore, fees and other income received of Rs. 2.86 crore, interest paid of Rs. 17.19 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 9.08 crore, other expense paid of Rs. 1.53 crore, operating cash flows before changes in operating assets and liabilities of Rs. 7.59 crore, loan and advances to customers of Rs. 46.53 crore, other assets of Rs. 0.44 crore, deposit from customers of Rs. 20.55 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 5.93 crore, net cash flow from operating activities before tax paid of Rs. 23.87 crore and income taxes paid of Rs. 2.75 crore. Reported under net cash flow from investing activities (b): receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 0.22 crore and purchase of intangible assets of Rs. 0.24 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 7.58 crore, receipt from issue of shares of Rs. 0 crore and other receipt/payment of Rs. 0.07 crore.

SHLB quarterly for Q3 2082/83

In the quarter Q3 2082/83, Shrijanshil Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 4.02 crore, net fee and commission income of Rs. 0.72 crore, other operating income of Rs. 0.12 crore, total operating income of Rs. 4.85 crore, impairment charge/(reversal) of Rs. 2.43 crore, net operating income of Rs. 7.29 crore, operating expenses of Rs. 2.94 crore, operating profit of Rs. 4.35 crore, profit before income tax of Rs. 4.35 crore, income tax expense of Rs. 0.7 crore and profit for the year of Rs. 3.65 crore.

Reported under net interest income: interest income of Rs. 8.76 crore and interest expense of Rs. 4.75 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.72 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.12 crore, other operating expenses of Rs. 0.78 crore and depreciation & amortisation of Rs. 0.04 crore. Reported under income tax expense: current tax of Rs. 0.7 crore and deferred tax of Rs. 0 crore.

SHLB quarterly for Q2 2082/83

In the quarter Q2 2082/83, Shrijanshil Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 4.46 crore, net fee and commission income of Rs. 0.6 crore, other operating income of Rs. 0.08 crore, total operating income of Rs. 5.14 crore, impairment charge/(reversal) of Rs. 2.23 crore, net operating income of Rs. 2.91 crore, operating expenses of Rs. 2.98 crore, operating profit of Rs. 0.07 crore, profit before income tax of Rs. 0.07 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 0.07 crore.

Reported under net interest income: interest income of Rs. 8.88 crore and interest expense of Rs. 4.42 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.6 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.17 crore, other operating expenses of Rs. 0.78 crore and depreciation & amortisation of Rs. 0.04 crore. Reported under income tax expense: current tax of Rs. 0 crore and deferred tax of Rs. 0 crore.

SHLB quarterly for Q1 2082/83

In the quarter Q1 2082/83, Shrijanshil Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 4.22 crore, net fee and commission income of Rs. 0.57 crore, other operating income of Rs. 0.06 crore, total operating income of Rs. 4.85 crore, impairment charge/(reversal) of Rs. 3.85 crore, net operating income of Rs. 0.99 crore, operating expenses of Rs. 2.93 crore, operating profit of Rs. 1.93 crore, profit before income tax of Rs. 1.93 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 1.93 crore.

Reported under net interest income: interest income of Rs. 8.87 crore and interest expense of Rs. 4.65 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.57 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.21 crore, other operating expenses of Rs. 0.68 crore and depreciation & amortisation of Rs. 0.04 crore. Reported under income tax expense: current tax of Rs. 0 crore and deferred tax of Rs. 0 crore.

SHLB quarterly for Q4 2081/82

In the quarter Q4 2081/82, Shrijanshil Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 6.22 crore, net fee and commission income of Rs. 0.65 crore, other operating income of Rs. 0.12 crore, total operating income of Rs. 6.99 crore, impairment charge/(reversal) of Rs. 0.7 crore, net operating income of Rs. 6.29 crore, operating expenses of Rs. 3.23 crore, operating profit of Rs. 3.06 crore, profit before income tax of Rs. 3.06 crore, income tax expense of Rs. 0.92 crore and profit for the year of Rs. 2.14 crore.

Reported under net interest income: interest income of Rs. 11.5 crore and interest expense of Rs. 5.28 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.65 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.4 crore, other operating expenses of Rs. 0.78 crore and depreciation & amortisation of Rs. 0.05 crore. Reported under income tax expense: current tax of Rs. 0.92 crore and deferred tax of Rs. 0 crore.

SHLB Profit & Loss

Values in Rs. Crore unless stated otherwise.

Particulars	2080/81	2079/80	2078/79	2077/78
Net Interest Income	10.8	12.5	15.7	13.5
Interest Income	31.4	34.9	32.9	23.1
Interest Expense	-20.6	-22.4	-17.2	-9.7
Net Fee and Commission Income	2.3	2.5	2.9	3.5
Fee and Commission Income	2.3	2.5	2.9	3.5
Fee and Commission Expense	-0.00	-0.01	-0.00	-0.01
Other Operating Income	0.00	0.00	0.00	0.00
Total Operating Income	13.1	15.0	18.5	17.0
Impairment Charge/(Reversal)	0.03	-5.2	-7.8	0.25
Net Operating Income	13.1	9.8	10.7	17.3
Operating Expenses	-10.9	-12.8	-10.4	-9.4
Operating Expense - Personnel Expenses	-8.7	-10.3	-8.0	-7.7
Other Operating Expenses	-1.4	-1.6	-1.5	-1.0
Depreciation & Amortisation	-0.72	-0.83	-0.79	-0.65
Operating Profit	2.2	-3.0	0.33	7.9
Profit Before Income Tax	2.2	-3.0	0.33	7.9
Income Tax Expense	-0.83	-1.1	-0.45	-2.2
Current Tax	-0.72	-0.77	-0.44	-2.7
Deferred Tax	-0.11	-0.31	-0.01	0.57
Profit for the Year	1.4	-4.1	-0.12	5.7

SHLB Balance Sheet

Values in Rs. Crore unless stated otherwise.

Particulars	2080/81	2079/80	2078/79	2077/78	2076/77
Total Assets	234	243	237	218	147
Cash and Cash Equivalents	9.3	14.6	6.7	24.5	11.5
Due from Nepal Rastra Bank	1.4	3.2	1.2	3.0	2.3
Loans and Advances to Customers	219	219	223	184	129
Investment Securities	0.00	0.03	0.04	0.06	0.03
Current Tax Assets	1.6	2.3	2.2	3.2	0.84
Property and Equipment	1.5	1.7	0.90	0.92	0.86
Goodwill and Intangible Assets	0.01	0.01	1.1	1.4	1.6
Deferred Tax Assets	0.22	0.33	0.14	0.16	0.00
Other Assets	0.96	1.5	1.4	0.78	0.81
Total Liabilities	212	221	215	196	131
Due to Banks and FIs	0.00	0.00	116	109	52.8
Deposits from Customers	76.2	82.3	82.5	61.9	60.0
Borrowings	111	123	0.00	0.00	0.00
Current Tax Liabilities	0.68	0.74	0.44	2.7	0.00
Deferred Tax Liabilities	0.00	0.00	0.00	0.00	0.40
Other Liabilities	23.9	15.1	15.4	22.4	17.3
Total Equity	22.7	21.3	22.3	22.5	16.8
Share Capital	10.9	10.9	7.0	7.0	7.0
Retained Earnings	0.57	-0.63	3.7	4.1	-1.1
Reserves	11.2	11.0	11.5	11.4	10.9

SHLB Cash Flow

Values in Rs. Crore unless stated otherwise.

Particulars	2080/81	2079/80	2078/79	2077/78
Net Cash Flow from Operating Activities (A)	-6.7	6.4	-26.6	-41.8
Interest Received	31.4	34.8	32.5	24.5
Fees and Other Income Received	2.3	2.5	2.9	3.5
Interest Paid	-20.6	-22.4	-17.2	-9.7
Commission and Fees Paid	-0.00	-0.01	-0.00	-0.01
Cash Payment to Employees	-8.7	-10.3	-9.1	-6.6
Other Expense Paid	-1.4	-1.6	-1.5	-1.0
Operating Cash Flows Before Changes in Operating Assets and Liabilities	2.9	3.0	7.6	10.7
Loan and Advances to Customers	-0.44	-1.9	-46.5	-56.0
Other Assets	1.3	-0.44	0.44	-2.4
Deposit from Customers	-6.1	-0.15	20.6	1.9
Borrowings	-12.4	6.8	0.00	0.00
Other Liabilities	8.9	-0.45	-5.9	4.0
Net Cash Flow from Operating Activities Before Tax Paid	-5.9	6.8	-23.9	-41.8
Income Taxes Paid	-0.77	-0.46	-2.7	0.00
Net Cash Flow from Investing Activities (B)	-0.49	-0.44	-0.46	-0.45
Receipts from Sale of Investment Securities	0.03	0.00	0.00	0.00
Purchase of Property and Equipment	-0.52	-0.44	-0.22	-0.29
Purchase of Intangible Assets	0.00	0.00	-0.24	-0.16
Net Cash Flow from Financing Activities (C)	0.04	3.9	7.5	55.9
Receipt from Issue of Debt Securities	0.00	0.00	7.6	56.0
Receipt from Issue of Shares	0.00	3.9	0.00	0.00
Other Receipt/Payment	0.04	0.01	-0.07	-0.07
Net Increase/(Decrease) in Cash and Cash Equivalents	-7.1	9.9	-19.6	13.7
Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year)	17.8	7.9	27.5	13.8
Cash and Cash Equivalents at Ashadh End	10.7	17.8	7.9	27.5

SHLB 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	Q1 2081/82	Q4 2080/81
Net Interest Income	4.0	4.5	4.2	6.2	2.7	2.4	3.2
Interest Income	8.8	8.9	8.9	11.5	7.6	7.0	7.8
Interest Expense	-4.7	-4.4	-4.6	-5.3	-4.9	-4.7	-4.7
Net Fee and Commission Income	0.72	0.60	0.57	0.65	1.0	0.56	0.51
Fee and Commission Income	0.72	0.60	0.57	0.65	1.0	0.56	0.51
Other Operating Income	0.12	0.08	0.06	0.12	-0.29	4.6	0.30
Total Operating Income	4.9	5.1	4.8	7.0	3.4	7.6	4.0
Impairment Charge/(Reversal)	2.4	-2.2	-3.9	-0.70	-0.31	-0.93	0.72
Net Operating Income	7.3	2.9	0.99	6.3	3.1	6.6	4.7
Operating Expenses	-2.9	-3.0	-2.9	-3.2	-2.4	-3.2	-3.2
Operating Expense - Personnel Expenses	-2.1	-2.2	-2.2	-2.4	-1.8	-2.6	-2.5
Other Operating Expenses	-0.78	-0.78	-0.68	-0.78	-0.62	-0.61	-0.63
Depreciation & Amortisation	-0.04	-0.04	-0.04	-0.05	-0.04	-0.04	-0.05
Operating Profit	4.3	-0.07	-1.9	3.1	0.71	3.4	1.5
Profit Before Income Tax	4.3	-0.07	-1.9	3.1	0.71	3.4	1.5
Income Tax Expense	-0.70	0.00	0.00	-0.92	-0.21	-1.0	-0.45
Current Tax	-0.70	0.00	0.00	-0.92	-0.21	-1.0	-0.45
Deferred Tax	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit for the Year	3.6	-0.07	-1.9	2.1	0.50	2.4	1.1

Shrijanshil share price history

Over the last 15 trading sessions SHLB closed between Rs. 1,245.00 and Rs. 1,400.00, finishing at Rs. 1,315.90 on 2026-09-22 against Rs. 1,350.00 on 2026-08-26.

Date	Open	High	Low	Close	Volume
2026-09-22	1,320.00	1,320.00	1,315.90	1,315.90	40
2026-09-18	1,325.00	1,356.50	1,281.00	1,356.50	368
2026-09-17	1,320.20	1,320.20	1,320.20	1,320.20	10
2026-09-16	1,358.00	1,358.00	1,358.00	1,358.00	10
2026-09-15	1,406.00	1,406.00	1,325.00	1,400.00	486
2026-09-14	1,300.00	1,340.00	1,235.20	1,340.00	191
2026-09-11	1,220.00	1,265.00	1,220.00	1,265.00	328
2026-09-10	1,240.10	1,245.00	1,225.00	1,245.00	160
2026-09-09	1,250.00	1,253.00	1,250.00	1,253.00	149
2026-09-07	1,250.00	1,265.00	1,250.00	1,265.00	50
2026-09-03	1,250.00	1,285.00	1,250.00	1,251.00	705
2026-09-02	1,230.00	1,250.00	1,225.00	1,250.00	89
2026-09-01	1,262.00	1,262.00	1,256.00	1,256.00	199
2026-08-31	1,285.00	1,289.10	1,260.00	1,262.50	380
2026-08-26	1,350.20	1,350.20	1,272.00	1,350.00	582

SHLB share price by year

2026, between Rs. 1,220.00 and Rs. 1,735.00, 2025, between Rs. 1,555.00 and Rs. 2,907.00, 2024, between Rs. 777.00 and Rs. 2,893.00, 2023, between Rs. 778.00 and Rs. 2,485.20 and 2022, between Rs. 906.00 and Rs. 1,765.10.

Year	Low (Rs.)	High (Rs.)	Sessions
2026	1,220.00	1,735.00	167
2025	1,555.00	2,907.00	225
2024	777.00	2,893.00	232
2023	778.00	2,485.20	227
2022	906.00	1,765.10	7

Shrijanshil share price returns

At Rs. 1,315.90 on 2026-09-22, SHLB is down 6.01% over 1 week, down 5.81% over 1 month, down 8.30% over 3 months, down 23.45% over 6 months and down 27.92% over 1 year. 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	-6.01%	1,400.00	2026-09-15
1 month	-5.81%	1,397.00	2026-08-21
3 months	-8.30%	1,435.00	2026-06-24
6 months	-23.45%	1,718.90	2026-03-26
1 year	-27.92%	1,825.49	2025-09-21

SHLB floorsheet for 2026-09-22

SHLB traded 3 times on 2026-09-22, moving 30 shares for Rs. 0 crore of turnover. Trades went through between Rs. 1,315.90 and Rs. 1,320.00.

Largest buyers by volume: broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 20 shares across 2 trades and broker 58, Naasa Securities Co. Ltd. on 10 shares across 1 trades.

Largest sellers by volume: broker 45, Imperial Securities Co. Limited on 10 shares across 1 trades, broker 49, Online Securities Limited on 10 shares across 1 trades and broker 95, Magnet Securities and Investment Company Private Limited on 10 shares across 1 trades.

SHLB general meetings

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

6th AGM for 2080/2081: on 2025-02-09, at Hotel Pawan Mithilla Thali Pvt. Ltd, Golbazar-6 (9:00 AM)
5th AGM for 2079/2080: on 2024-08-16, at Binayak Hotel, Bardibas, Mahotari (11:00 AM)
5th SGM for 2080/2081: on 2024-01-13, at Central Office, Golbazar Municipality Ward No. 07, Choharwa, Siraha (10:30 AM)

5 years of annual statements and 7 quarters of results for SHLB, 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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