Samudayik Laghubitta Bittiya Sanstha Limited (SLBSL) Share Price & Fundamentals

Samudayik (SLBSL) share price is Rs. 873.00, down 0.23% on 2026-10-12. Open Rs. 850.00. High Rs. 873.00. Low Rs. 850.00. Volume 72.

Samudayik Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (SLBSL), Microfinance sector. Revenue: Rs. 18.37 Crore. Net profit: Rs. 4.64 Crore. Net worth: Rs. 17.54 Crore.

About Samudayik Laghubitta Bittiya Sanstha Limited

A Class 'D' microfinance financial institution licensed by Nepal Rastra Bank, with its head office at Banepa-14, Sanga, Kavrepalanchowk. Its approved working area covers 18 districts - all districts of Bagmati Province plus Solukhumbu, Okhaldhunga, Khotang, Bhojpur and Sankhuwasabha - of which it currently operates in 16. The institution funds itself mainly through borrowings and member deposits, and reports a credit-to-deposit-and-borrowing ratio consistently above 270%. Recent years have been loss-making: audited losses of 21.5m in FY2080/81 and 50.9m in FY2081/82 left retained earnings deeply negative and net assets per share falling from 156.87 to 102.67. Management cites borrower over-indebtedness and multiple-banking, unhealthy competition between microfinance institutions in the same working area, geographic difficulty, staff productivity and negative public campaigning against the sector as its principal challenges. The institution also discloses banking-offence cases filed against staff for financial irregularity in several districts. Interim results for FY2082/83 show a marked recovery, helped by large impairment reversals.

Samudayik Laghubitta Bittiya Sanstha Limited (SLBSL) has 17,08,050 shares outstanding.

SLBSL key metrics

SLBSL strengths

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

• Makes 6% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
• Bad-loan charges come to -11% of income, so borrowers are paying back well. (Asset Quality)
• Income from lending grew 33.3% on last year, so the core business is expanding. (Growth)
• The loan book grew 25.4% on last year, so more money is being put to work. (Growth)
• 88.7% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
• Total income grew 28.8% on last year. (Growth)
• Customer deposits grew 22.4% on last year, giving it more cheap money to lend. (Growth)
• Turns 25.3% of its income into profit once every cost is paid. (Profitability)
• The bank grew 20.6% bigger over the year. (Shareholder Returns)

SLBSL 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 -29%, below what owners would hope for. (Profitability)
• Return on everything it owns is -2.5%, so its assets are not producing much. (Profitability)
• Only 38.4% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
• Each share is backed by only Rs 102.67 of net worth. (Shareholder Returns)
• Staff costs take 61.1% of income, a heavy load on earnings. (Efficiency)
• Loans are 89.7% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
• Operating margin is 27.1%, so running costs take too much of what core banking earns. (Profitability)
• 58.1% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
• Only 8.7% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
• Each share produced Rs 27.19 over the year. (Shareholder Returns)
• Only 10.7% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
• Owns 11.56x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)

SLBSL Q4 2082/83 results

In Q4 2082/83 Samudayik Laghubitta Bittiya Sanstha Limited reported a loss of Rs. 1.33 crore and total operating income of Rs. 3.69 crore. Profit in Q3 2082/83 was Rs. 2.55 crore. Profit turned from a profit to a loss on the previous quarter. Total operating income fell 23.32% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 1.41 crore. Profit turned from a profit to a loss on the same quarter last year. Total operating income fell 8.65% on the same quarter last year.

SLBSL annual results 2082/83

For the financial year 2082/83 Samudayik Laghubitta Bittiya Sanstha Limited reported net profit of Rs. 4.64 crore, total operating income of Rs. 18.37 crore and net worth of Rs. 17.54 crore. Net profit in 2081/82 was a loss of Rs. 5.09 crore. Net profit turned from a loss to a profit on the year. Total operating income grew 28.79% on the year.

SLBSL profit and loss for 2082/83

In the financial year 2082/83, Samudayik Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 16.29 crore, net fee and commission income of Rs. 1.97 crore, other operating income of Rs. 0.1 crore, total operating income of Rs. 18.37 crore, impairment charge/(reversal) of Rs. 2.02 crore, net operating income of Rs. 20.39 crore, operating expenses of Rs. 15.41 crore, operating profit of Rs. 4.98 crore, non-operating income/(expense) of Rs. 0.1 crore, profit before income tax of Rs. 4.88 crore, income tax expense of Rs. 0.23 crore and profit for the year of Rs. 4.64 crore.

Reported under net interest income: interest income of Rs. 29.79 crore and interest expense of Rs. 13.49 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.97 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 11.22 crore, other operating expenses of Rs. 3.78 crore and depreciation & amortisation of Rs. 0.42 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.11 crore and non-operating expense of Rs. 0.21 crore. Reported under income tax expense: current tax of Rs. 0.23 crore.

SLBSL profit and loss for 2081/82

In the financial year 2081/82, Samudayik Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 12.23 crore, net fee and commission income of Rs. 2.04 crore, net trading income of Rs. 0.05 crore, other operating income of Rs. 0.04 crore, total operating income of Rs. 14.26 crore, impairment charge/(reversal) of Rs. 5.33 crore, net operating income of Rs. 8.93 crore, operating expenses of Rs. 13.46 crore, operating profit of Rs. 4.53 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 4.53 crore, income tax expense of Rs. 0.56 crore and profit for the year of Rs. 5.09 crore.

Reported under net interest income: interest income of Rs. 25.2 crore and interest expense of Rs. 12.97 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.04 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 9.31 crore, other operating expenses of Rs. 3.85 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. 0 crore and deferred tax of Rs. 0.56 crore.

SLBSL profit and loss for 2080/81

In the financial year 2080/81, Samudayik Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 9.46 crore, net fee and commission income of Rs. 1.63 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 11.1 crore, impairment charge/(reversal) of Rs. 1.87 crore, net operating income of Rs. 9.22 crore, operating expenses of Rs. 10.98 crore, operating profit of Rs. 1.76 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 1.76 crore, income tax expense of Rs. 0.39 crore and profit for the year of Rs. 2.15 crore.

Reported under net interest income: interest income of Rs. 20.34 crore and interest expense of Rs. 10.87 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.63 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 8.2 crore, other operating expenses of Rs. 2.56 crore and depreciation & amortisation of Rs. 0.22 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 crore and deferred tax of Rs. 0.39 crore.

SLBSL balance sheet for 2081/82

In the financial year 2081/82, Samudayik Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 202.73 crore, total liabilities of Rs. 185.19 crore and total equity of Rs. 17.54 crore.

Reported under total assets: cash and cash equivalents of Rs. 13.44 crore, due from nepal rastra bank of Rs. 0 crore, placement with banks and fis of Rs. 2.3 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 181.91 crore, investment securities of Rs. 0.1 crore, current tax assets of Rs. 0.37 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0 crore, property and equipment of Rs. 1.43 crore, goodwill and intangible assets of Rs. 0.08 crore, deferred tax assets of Rs. 0.71 crore and other assets of Rs. 2.4 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. 71.12 crore, borrowings of Rs. 107.51 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 2.07 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 4.49 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 17.08 crore, share premium of Rs. 0 crore, retained earnings of Rs. 10.41 crore, reserves of Rs. 10.87 crore and non controlling interest of Rs. 0 crore.

SLBSL balance sheet for 2080/81

In the financial year 2080/81, Samudayik Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 168.14 crore, total liabilities of Rs. 145.36 crore and total equity of Rs. 22.78 crore.

Reported under total assets: cash and cash equivalents of Rs. 16.06 crore, due from nepal rastra bank of Rs. 0 crore, placement with banks and fis of Rs. 2 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 145.11 crore, investment securities of Rs. 0.1 crore, current tax assets of Rs. 0.17 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0 crore, property and equipment of Rs. 1.18 crore, goodwill and intangible assets of Rs. 0 crore, deferred tax assets of Rs. 1.27 crore and other assets of Rs. 2.24 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. 58.1 crore, borrowings of Rs. 77.05 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 2.07 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 8.14 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 17.08 crore, share premium of Rs. 0 crore, retained earnings of Rs. 5.48 crore, reserves of Rs. 11.18 crore and non controlling interest of Rs. 0 crore.

SLBSL balance sheet for 2079/80

In the financial year 2079/80, Samudayik Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 137.09 crore, total liabilities of Rs. 114.31 crore and total equity of Rs. 22.78 crore.

Reported under total assets: cash and cash equivalents of Rs. 12.09 crore, due from nepal rastra bank of Rs. 0 crore, placement with banks and fis of Rs. 10 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 111.75 crore, investment securities of Rs. 0.1 crore, current tax assets of Rs. 0.27 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0 crore, property and equipment of Rs. 0.72 crore, goodwill and intangible assets of Rs. 0 crore, deferred tax assets of Rs. 1.64 crore and other assets of Rs. 0.52 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. 55.93 crore, borrowings of Rs. 49.76 crore, current tax liabilities of Rs. 0.81 crore, provisions of Rs. 0.3 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 7.5 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 14.52 crore, share premium of Rs. 0 crore, retained earnings of Rs. 0.58 crore, reserves of Rs. 8.84 crore and non controlling interest of Rs. 0 crore.

SLBSL cash flow for 2081/82

In the financial year 2081/82, Samudayik Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 0.49 crore, net cash flow from investing activities (b) of Rs. 0.62 crore, net cash flow from financing activities (c) of Rs. 0.18 crore, net increase/(decrease) in cash and cash equivalents of Rs. 0.32 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 16.06 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. 15.74 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 25.2 crore, fees and other income received of Rs. 2.04 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.01 crore, interest paid of Rs. 12.97 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 9.31 crore, other expense paid of Rs. 3.85 crore, operating cash flows before changes in operating assets and liabilities of Rs. 1.1 crore, due from nepal rastra bank of Rs. 0 crore, placement with banks and financial institutions of Rs. 0.3 crore, other trading assets of Rs. 0.2 crore, loan and advances to banks and financial institutions of Rs. 0 crore, loan and advances to customers of Rs. 36.79 crore, other assets of Rs. 0.41 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. 13.03 crore, borrowings of Rs. 30.46 crore, other liabilities of Rs. 7.21 crore, net cash flow from operating activities before tax paid of Rs. 0.49 crore and income taxes paid of Rs. 0 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. 0.53 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.09 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. 0.18 crore.

SLBSL cash flow for 2080/81

In the financial year 2080/81, Samudayik Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 1.06 crore, net cash flow from investing activities (b) of Rs. 0.13 crore, net cash flow from financing activities (c) of Rs. 3.04 crore, net increase/(decrease) in cash and cash equivalents of Rs. 3.97 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 12.09 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. 16.06 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 20.34 crore, fees and other income received of Rs. 1.63 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 9.87 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 8.2 crore, other expense paid of Rs. 2.68 crore, operating cash flows before changes in operating assets and liabilities of Rs. 1.21 crore, due from nepal rastra bank of Rs. 0 crore, placement with banks and financial institutions of Rs. 8 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. 32.08 crore, other assets of Rs. 3.94 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. 2.16 crore, borrowings of Rs. 27.29 crore, other liabilities of Rs. 0.89 crore, net cash flow from operating activities before tax paid of Rs. 1.76 crore and income taxes paid of Rs. 0.71 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. 0.13 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. 2.56 crore, dividends paid of Rs. 0 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0.48 crore.

SLBSL cash flow for 2078/79

In the financial year 2078/79, Samudayik Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 10.9 crore, net cash flow from investing activities (b) of Rs. 0.13 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 11.03 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 19.3 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. 8.27 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 20.91 crore, fees and other income received of Rs. 2.17 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.08 crore, interest paid of Rs. 8.88 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 7 crore, other expense paid of Rs. 2.02 crore, operating cash flows before changes in operating assets and liabilities of Rs. 5.27 crore, due from nepal rastra bank of Rs. 0 crore, placement with banks and financial institutions of Rs. 2.84 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. 32.51 crore, other assets of Rs. 0.62 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. 7.35 crore, borrowings of Rs. 1.85 crore, other liabilities of Rs. 6.29 crore, net cash flow from operating activities before tax paid of Rs. 8.3 crore and income taxes paid of Rs. 2.6 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. 0.13 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. 0 crore.

SLBSL quarterly for Q4 2082/83

In the quarter Q4 2082/83, Samudayik Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 3.31 crore, net fee and commission income of Rs. 0.36 crore, other operating income of Rs. 0.03 crore, total operating income of Rs. 3.69 crore, impairment charge/(reversal) of Rs. 0.74 crore, net operating income of Rs. 2.95 crore, operating expenses of Rs. 3.92 crore, operating profit of Rs. 0.97 crore, non-operating income/(expense) of Rs. 0.13 crore, profit before income tax of Rs. 1.1 crore, income tax expense of Rs. 0.23 crore and profit for the year of Rs. 1.33 crore.

Reported under net interest income: interest income of Rs. 6.73 crore and interest expense of Rs. 3.42 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.36 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.62 crore, other operating expenses of Rs. 1.18 crore and depreciation & amortisation of Rs. 0.12 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0.13 crore. Reported under income tax expense: current tax of Rs. 0.23 crore.

SLBSL quarterly for Q3 2082/83

In the quarter Q3 2082/83, Samudayik Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 4.3 crore, net fee and commission income of Rs. 0.5 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.02 crore, total operating income of Rs. 4.82 crore, impairment charge/(reversal) of Rs. 1.32 crore, net operating income of Rs. 6.14 crore, operating expenses of Rs. 3.56 crore, operating profit of Rs. 2.58 crore, non-operating income/(expense) of Rs. 0.03 crore, profit before income tax of Rs. 2.55 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 2.55 crore.

Reported under net interest income: interest income of Rs. 7.65 crore and interest expense of Rs. 3.35 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.5 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.54 crore, other operating expenses of Rs. 0.9 crore and depreciation & amortisation of Rs. 0.12 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.01 crore and non-operating expense of Rs. 0.04 crore. Reported under income tax expense: current tax of Rs. 0 crore and deferred tax of Rs. 0 crore.

SLBSL quarterly for Q2 2082/83

In the quarter Q2 2082/83, Samudayik Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 4.13 crore, net fee and commission income of Rs. 0.57 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.03 crore, total operating income of Rs. 4.73 crore, impairment charge/(reversal) of Rs. 1.71 crore, net operating income of Rs. 6.43 crore, operating expenses of Rs. 3.87 crore, operating profit of Rs. 2.56 crore, non-operating income/(expense) of Rs. 0.05 crore, profit before income tax of Rs. 2.51 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 2.51 crore.

Reported under net interest income: interest income of Rs. 7.4 crore and interest expense of Rs. 3.27 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.58 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.9 crore, other operating expenses of Rs. 0.87 crore and depreciation & amortisation of Rs. 0.11 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0.05 crore. Reported under income tax expense: current tax of Rs. 0 crore and deferred tax of Rs. 0 crore.

SLBSL quarterly for Q1 2082/83

In the quarter Q1 2082/83, Samudayik Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 4.56 crore, net fee and commission income of Rs. 0.54 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.03 crore, total operating income of Rs. 5.13 crore, impairment charge/(reversal) of Rs. 0.26 crore, net operating income of Rs. 4.87 crore, operating expenses of Rs. 4.07 crore, operating profit of Rs. 0.8 crore, non-operating income/(expense) of Rs. 0.11 crore, profit before income tax of Rs. 0.91 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 0.91 crore.

Reported under net interest income: interest income of Rs. 8 crore and interest expense of Rs. 3.44 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.54 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 3.16 crore, other operating expenses of Rs. 0.83 crore and depreciation & amortisation of Rs. 0.08 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.11 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0 crore and deferred tax of Rs. 0 crore.

SLBSL Profit & Loss

Values in Rs. Crore unless stated otherwise.

SLBSL Balance Sheet

Values in Rs. Crore unless stated otherwise.

SLBSL Cash Flow

Values in Rs. Crore unless stated otherwise.

SLBSL Quarterly Results

Values in Rs. Crore unless stated otherwise.

Samudayik share price history

Over the last 15 trading sessions SLBSL closed between Rs. 847.00 and Rs. 917.00, finishing at Rs. 873.00 on 2026-10-12 against Rs. 913.00 on 2026-09-18.

SLBSL share price by year

2026, between Rs. 840.00 and Rs. 1,465.00, 2025, between Rs. 1,234.50 and Rs. 3,047.00, 2024, between Rs. 720.30 and Rs. 2,223.10, 2023, between Rs. 578.20 and Rs. 1,274.55, 2022, between Rs. 990.00 and Rs. 1,600.00 and 2021, between Rs. 850.00 and Rs. 1,622.73.

Samudayik share price returns

At Rs. 873.00 on 2026-10-12, SLBSL is up 1.51% over 1 week, up 0.34% over 1 month, down 20.64% over 3 months, down 33.81% over 6 months, down 37.62% over 1 year and down 30.16% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

SLBSL floorsheet for 2026-10-12

SLBSL traded 5 times on 2026-10-12, moving 72 shares for Rs. 0.01 crore of turnover. Trades went through between Rs. 850.00 and Rs. 873.00.

Largest buyers by volume: broker 37, Swarnalaxmi Securities Pvt.Limited on 22 shares across 1 trades, broker 1, Kumari Securities Pvt. Limited on 20 shares across 1 trades, broker 25, Sweta Securities Pvt. Limited on 20 shares across 2 trades and broker 41, Linch Stock Market Limited on 10 shares across 1 trades.

Largest sellers by volume: broker 42, Sani Securities Company Limited on 30 shares across 3 trades, broker 7, J.F. Securities Company Pvt. Limited on 22 shares across 1 trades and broker 35, Kohinoor Investment and Securities Pvt.Ltd on 20 shares across 1 trades.

SLBSL dividend history: bonus shares and cash dividend

Samudayik Laghubitta Bittiya Sanstha Limited most recently declared a 10% bonus share issue and a 5% cash dividend, 15% in total for 2078/2079, announced on 2023-06-16. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2078/2079 Samudayik Laghubitta Bittiya Sanstha Limited declared a 10% bonus share issue and a 5% cash dividend, 15% in total, announced on 2023-06-16.

SLBSL general meetings

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

• 12th AGM for 2081/2082: on 2026-04-10, at Hotel Ugrachandi's Sabha Hall, Banepa-07, Kavrepalanchowk (11:00 AM)
• 11th AGM for 2080/2081: on 2025-02-18, at Sky Garden Resort, Panauti-05, Chaukot, Kavreplanchowk (11:00 AM)
• 10th AGM for 2079/2080: on 2024-01-12, at Hotel Ugrachandi, Banepa-07, Kavreplanchowk (11:00 AM)

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

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• Swabalamban Laghubitta Bittiya Sanstha Limited (SWBBL) share price
• Suryodaya Womi Laghubitta Bittiya Sanstha Limited (SWMF) share price
• Upakar Laghubitta Bittiya Sanstha Limited (ULBSL) share price
• Unique Nepal Laghubitta Bittiya Sanstha Limited (UNLB) share price
• Unnati Sahakarya Laghubitta Bittiya Sanstha Limited (USLB) share price
• Vijaya laghubitta Bittiya Sanstha Ltd. (VLBS) share price
• Wean Nepal Laghubitta Bittiya Sanstha Limited (WNLB) share price
• Aarambha Chautari Laghubitta Bittiya Sanstha Limited (ACLBSL) share price
• Asha Laghubitta Bittiya Sanstha Ltd (ALBSL) share price
• Aatmanirbhar Laghubitta Bittiya Sanstha Limited (ANLB) share price
• Aviyan Laghubitta Bittiya Sanstha Limited (AVYAN) share price
• Chhimek Laghubitta Bittiya Sanstha Limited (CBBL) share price
• CYC Nepal Laghubitta Bittiya Sanstha Limited (CYCL) share price
• Deprosc Laghubitta Bittiya Sanstha Limited (DDBL) share price
• Dhaulagiri Laghubitta Bittiya Sanstha Limited (DLBS) share price

All microfinance companies on NEPSE

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