Swastik Laghubitta Bittiya Sanstha Limited (SWASTIK) Share Price & Fundamentals
Swastik (SWASTIK) share price is Rs. 1,828.00, down 0.92% on 2026-09-22. Open Rs. 1,883.00. High Rs. 1,889.00. Low Rs. 1,823.60. Volume 366.
Swastik Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (SWASTIK), Microfinance sector.
About Swastik Laghubitta Bittiya Sanstha Limited
Swastik Laghubitta Bittiya Sanstha Limited is a province-level 'D'-class microfinance financial institution licensed by Nepal Rastra Bank, established in October 2018 and operating in Madhesh Province since 2019, with its head office at Lahan-8, Siraha. Through 12 branch offices across four districts of Madhesh Province (Saptari, Siraha, Dhanusha, Mahottari), it provides microcredit, deposit, and financial-literacy services to roughly 11,619 low-income families, focusing on women and on agriculture, livestock, services, and micro-enterprise. Its ordinary shares were listed on the Nepal Stock Exchange (NEPSE) under the symbol SWASTIK on 10 November 2025, with secondary-market trading commencing 25 Kartik 2082 (11 Nov 2025). The institution has reported net losses in recent periods amid sector-wide microfinance repayment stress; ICRA Nepal rated it [ICRANP-IR] B with a negative watch.
Swastik Laghubitta Bittiya Sanstha Limited (SWASTIK) has 5,77,500 shares outstanding. It listed on NEPSE in 2082.
SWASTIK key metrics
SWASTIK strengths
What Swastik Laghubitta Bittiya Sanstha Limited's own accounts show in its favour, graded against the rest of its sector.
- 16.4% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
- 82.8% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
SWASTIK weaknesses
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
- Staff costs take 44.9% of income, a heavy load on earnings. (Efficiency)
- Operating margin is 27.4%, so running costs take too much of what core banking earns. (Profitability)
- 10.4% of income is lost to loans going bad, which eats directly into profit. (Asset Quality)
- Each share produced Rs 21.11 over the year. (Shareholder Returns)
- Net profit margin is 19.2%, less than most lenders keep once every cost is paid. (Profitability)
SWASTIK Q3 2082/83 results
In Q3 2082/83 Swastik Laghubitta Bittiya Sanstha Limited reported profit of Rs. 0.09 crore and total operating income of Rs. 1.35 crore. Profit in Q2 2082/83 was Rs. 0.44 crore. Profit fell 79.74% on the previous quarter. Total operating income fell 1.08% on the previous quarter.
SWASTIK quarterly for Q3 2082/83
In the quarter Q3 2082/83, Swastik Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 1.09 crore, net fee and commission income of Rs. 0.25 crore, other operating income of Rs. 0.01 crore, total operating income of Rs. 1.35 crore, impairment charge/(reversal) of Rs. 0.3 crore, net operating income of Rs. 1.05 crore, operating expenses of Rs. 0.93 crore, operating profit of Rs. 0.13 crore, profit before income tax of Rs. 0.13 crore, income tax expense of Rs. 0.04 crore and profit for the year of Rs. 0.09 crore.
Reported under net interest income: interest income of Rs. 2.07 crore and interest expense of Rs. 0.98 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.26 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 0.63 crore, other operating expenses of Rs. 0.23 crore and depreciation & amortisation of Rs. 0.07 crore. Reported under income tax expense: current tax of Rs. 0.04 crore and deferred tax of Rs. 0 crore.
SWASTIK quarterly for Q2 2082/83
In the quarter Q2 2082/83, Swastik Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 1.08 crore, net fee and commission income of Rs. 0.27 crore, other operating income of Rs. 0.01 crore, total operating income of Rs. 1.36 crore, impairment charge/(reversal) of Rs. 0.18 crore, net operating income of Rs. 1.54 crore, operating expenses of Rs. 0.92 crore, operating profit of Rs. 0.62 crore, profit before income tax of Rs. 0.62 crore, income tax expense of Rs. 0.19 crore and profit for the year of Rs. 0.44 crore.
Reported under net interest income: interest income of Rs. 2.08 crore and interest expense of Rs. 1 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.28 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 0.65 crore, other operating expenses of Rs. 0.29 crore and depreciation & amortisation of Rs. 0.02 crore. Reported under income tax expense: current tax of Rs. 0.19 crore and deferred tax of Rs. 0 crore.
SWASTIK quarterly for Q1 2082/83
In the quarter Q1 2082/83, Swastik Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 2.04 crore, net fee and commission income of Rs. 0.3 crore, other operating income of Rs. 0.01 crore, total operating income of Rs. 2.35 crore, impairment charge/(reversal) of Rs. 0.76 crore, net operating income of Rs. 1.59 crore, operating expenses of Rs. 1.02 crore, operating profit of Rs. 0.57 crore, profit before income tax of Rs. 0.57 crore, income tax expense of Rs. 0.17 crore and profit for the year of Rs. 0.4 crore.
Reported under net interest income: interest income of Rs. 3.14 crore and interest expense of Rs. 1.1 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.31 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 0.76 crore, other operating expenses of Rs. 0.18 crore and depreciation & amortisation of Rs. 0.08 crore. Reported under income tax expense: current tax of Rs. 0.17 crore and deferred tax of Rs. 0 crore.
SWASTIK Quarterly Results
Values in Rs. Crore unless stated otherwise.
| Particulars | Q3 2082/83 | Q2 2082/83 | Q1 2082/83 |
|---|
| Net Interest Income | 1.1 | 1.1 | 2.0 |
|---|
| Interest Income | 2.1 | 2.1 | 3.1 |
|---|
| Interest Expense | -0.98 | -1.00 | -1.1 |
|---|
| Net Fee and Commission Income | 0.25 | 0.27 | 0.30 |
|---|
| Fee and Commission Income | 0.26 | 0.28 | 0.31 |
|---|
| Fee and Commission Expense | -0.01 | -0.01 | -0.01 |
|---|
| Other Operating Income | 0.01 | 0.01 | 0.01 |
|---|
| Total Operating Income | 1.3 | 1.4 | 2.4 |
|---|
| Impairment Charge/(Reversal) | -0.30 | 0.18 | -0.76 |
|---|
| Net Operating Income | 1.1 | 1.5 | 1.6 |
|---|
| Operating Expenses | -0.93 | -0.92 | -1.0 |
|---|
| Operating Expense - Personnel Expenses | -0.63 | -0.65 | -0.76 |
|---|
| Other Operating Expenses | -0.23 | -0.29 | -0.18 |
|---|
| Depreciation & Amortisation | -0.07 | 0.02 | -0.08 |
|---|
| Operating Profit | 0.13 | 0.62 | 0.57 |
|---|
| Profit Before Income Tax | 0.13 | 0.62 | 0.57 |
|---|
| Income Tax Expense | -0.04 | -0.19 | -0.17 |
|---|
| Current Tax | -0.04 | -0.19 | -0.17 |
|---|
| Deferred Tax | 0.00 | 0.00 | 0.00 |
|---|
| Profit for the Year | 0.09 | 0.44 | 0.40 |
|---|
Swastik share price history
Over the last 15 trading sessions SWASTIK closed between Rs. 1,800.90 and Rs. 1,940.00, finishing at Rs. 1,828.00 on 2026-09-22 against Rs. 1,940.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 1,883.00 | 1,889.00 | 1,823.60 | 1,828.00 | 366 |
|---|
| 2026-09-18 | 1,810.00 | 1,845.00 | 1,785.10 | 1,845.00 | 482 |
|---|
| 2026-09-17 | 1,855.00 | 1,855.00 | 1,821.00 | 1,840.00 | 620 |
|---|
| 2026-09-16 | 1,885.00 | 1,885.00 | 1,801.00 | 1,801.00 | 434 |
|---|
| 2026-09-15 | 1,904.00 | 1,961.10 | 1,800.00 | 1,854.00 | 558 |
|---|
| 2026-09-14 | 1,817.00 | 1,840.00 | 1,805.00 | 1,815.00 | 412 |
|---|
| 2026-09-11 | 1,785.00 | 1,817.00 | 1,772.10 | 1,817.00 | 460 |
|---|
| 2026-09-10 | 1,825.00 | 1,825.00 | 1,778.00 | 1,800.90 | 1,298 |
|---|
| 2026-09-09 | 1,821.00 | 1,826.00 | 1,820.00 | 1,825.00 | 190 |
|---|
| 2026-09-07 | 1,820.00 | 1,859.00 | 1,820.00 | 1,859.00 | 360 |
|---|
| 2026-09-03 | 1,804.00 | 1,857.90 | 1,799.90 | 1,844.90 | 530 |
|---|
| 2026-09-02 | 1,810.00 | 1,839.80 | 1,810.00 | 1,839.80 | 160 |
|---|
| 2026-09-01 | 1,810.00 | 1,860.00 | 1,810.00 | 1,825.10 | 372 |
|---|
| 2026-08-31 | 1,850.00 | 1,904.00 | 1,807.00 | 1,859.90 | 666 |
|---|
| 2026-08-26 | 1,935.00 | 1,993.00 | 1,927.10 | 1,940.00 | 622 |
|---|
SWASTIK share price by year
2026, between Rs. 1,772.10 and Rs. 3,300.00 and 2025, between Rs. 391.70 and Rs. 3,400.00.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 1,772.10 | 3,300.00 | 168 |
|---|
| 2025 | 391.70 | 3,400.00 | 32 |
|---|
Swastik share price returns
At Rs. 1,828.00 on 2026-09-22, SWASTIK is down 1.40% over 1 week, down 6.32% over 1 month, down 16.91% over 3 months and down 36.86% over 6 months. 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 | -1.40% | 1,854.00 | 2026-09-15 |
|---|
| 1 month | -6.32% | 1,951.40 | 2026-08-21 |
|---|
| 3 months | -16.91% | 2,200.00 | 2026-06-24 |
|---|
| 6 months | -36.86% | 2,895.00 | 2026-03-26 |
|---|
SWASTIK floorsheet for 2026-09-22
SWASTIK traded 24 times on 2026-09-22, moving 366 shares for Rs. 0.07 crore of turnover. Trades went through between Rs. 1,823.60 and Rs. 1,889.00.
Largest buyers by volume: broker 42, Sani Securities Company Limited on 91 shares across 7 trades, broker 58, Naasa Securities Co. Ltd. on 84 shares across 5 trades, broker 49, Online Securities Limited on 80 shares across 4 trades, broker 45, Imperial Securities Co. Limited on 50 shares across 2 trades, broker 11, Malla & Malla Stock Broking Company Pvt. Limited on 20 shares across 2 trades, broker 7, J.F. Securities Company Pvt. Limited on 11 shares across 1 trades, broker 36, Secured Securities Limited on 10 shares across 1 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 10 shares across 1 trades and broker 21, Midas Stock Broking Company Pvt. Limited on 10 shares across 1 trades.
Largest sellers by volume: broker 58, Naasa Securities Co. Ltd. on 125 shares across 7 trades, broker 42, Sani Securities Company Limited on 50 shares across 2 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 50 shares across 1 trades, broker 10, Pragyan Securities Pvt. Limited on 33 shares across 3 trades, broker 7, J.F. Securities Company Pvt. Limited on 20 shares across 2 trades, broker 62, Capital Max Securities Limited on 18 shares across 2 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 10 shares across 1 trades, broker 75, NIMB Stock Markets Limited on 10 shares across 1 trades, broker 14, Nepal Stock House Pvt. Limited on 10 shares across 1 trades and broker 34, Vision Securities Pvt.Limited on 10 shares across 1 trades.
SWASTIK general meetings
Annual and special general meetings Swastik Laghubitta Bittiya Sanstha Limited has called. A dividend is declared by the board and approved at the AGM.
- 7th AGM for 2081/2082: on 2026-09-12, at Vishal Hotel, Lahan (Siraha) (11:00 AM)
3 quarters of results for SWASTIK, 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.
Other Microfinance companies on NEPSE
All microfinance companies on NEPSE
More on NepView