Suryodaya Womi Laghubitta Bittiya Sanstha Limited (SWMF) Share Price & Fundamentals
Suryodaya Womi (SWMF) share price is Rs. 622.00, up 2.73% on 2026-09-22. Open Rs. 605.50. High Rs. 623.60. Low Rs. 605.50. Volume 5,456.
Suryodaya Womi Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (SWMF), Microfinance sector. Revenue: Rs. 114.33 Crore. Net profit: Rs. 21.78 Crore. Net worth: Rs. 150.28 Crore.
About Suryodaya Womi Laghubitta Bittiya Sanstha Limited
National-level 'D'-class microfinance financial institution licensed by Nepal Rastra Bank. Central office at Banepa-13, Sanga, Kavrepalanchok; corporate office at Mahalaxmi-4, Lalitpur. Operates 167 branch offices across 55 districts, serving approximately 195,742 low-income households as at Q3 2082/83.
Suryodaya Womi Laghubitta Bittiya Sanstha Limited (SWMF) has 1,10,62,863 shares outstanding.
SWMF key metrics
SWMF strengths
What Suryodaya Womi Laghubitta Bittiya Sanstha Limited's own accounts show in its favour, graded against the rest of its sector.
- Makes 6.3% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
- Profit grew 503.8% on last year. (Growth)
- Income from lending grew 28.6% on last year, so the core business is expanding. (Growth)
- 12% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
- 88.4% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- Total income grew 22.2% on last year. (Growth)
- Owns 8.33x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
- Customer deposits grew 14.6% on last year, giving it more cheap money to lend. (Growth)
SWMF 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 2.4%, below what owners would hope for. (Profitability)
- Return on everything it owns is 0.3%, so its assets are not producing much. (Profitability)
- Only 50.2% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
- 16% of income is lost to loans going bad, which eats directly into profit. (Asset Quality)
- Staff costs take 41.9% of income, a heavy load on earnings. (Efficiency)
- Loans are 94.5% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
- Each share is backed by only Rs 135.84 of net worth. (Shareholder Returns)
- 47.1% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
- Each share produced Rs 19.69 over the year. (Shareholder Returns)
- Net profit margin is 19.1%, less than most lenders keep once every cost is paid. (Profitability)
- Operating margin is 30.9%, so running costs take too much of what core banking earns. (Profitability)
- Only 11.6% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
- The loan book moved 6.5%, so lending is not expanding. (Growth)
- The bank's size moved 4% over the year. (Shareholder Returns)
SWMF Q4 2082/83 results
In Q4 2082/83 Suryodaya Womi Laghubitta Bittiya Sanstha Limited reported profit of Rs. 2.85 crore and total operating income of Rs. 37.79 crore. Profit in Q3 2082/83 was Rs. 7.22 crore. Profit fell 60.58% on the previous quarter. Total operating income grew 41.14% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 5.96 crore. Profit fell 52.19% on the same quarter last year. Total operating income grew 8.85% on the same quarter last year.
SWMF annual results 2082/83
For the financial year 2082/83 Suryodaya Womi Laghubitta Bittiya Sanstha Limited reported net profit of Rs. 21.78 crore, total operating income of Rs. 114.33 crore and net worth of Rs. 150.28 crore. Net profit in 2081/82 was Rs. 3.61 crore. Net profit grew 503.81% on the year. Total operating income grew 22.21% on the year.
SWMF profit and loss for 2082/83
In the financial year 2082/83, Suryodaya Womi Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 101.12 crore, net fee and commission income of Rs. 13.21 crore, total operating income of Rs. 114.33 crore, impairment charge/(reversal) of Rs. 18.27 crore, net operating income of Rs. 96.06 crore, operating expenses of Rs. 60.68 crore, operating profit of Rs. 35.38 crore, non-operating income/(expense) of Rs. 1.14 crore, profit before income tax of Rs. 36.52 crore, income tax expense of Rs. 14.74 crore and profit for the year of Rs. 21.78 crore.
Reported under net interest income: interest income of Rs. 174.57 crore and interest expense of Rs. 73.45 crore. Reported under net fee and commission income: fee and commission income of Rs. 13.21 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 47.89 crore, other operating expenses of Rs. 9.37 crore and depreciation & amortisation of Rs. 3.42 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.14 crore. Reported under income tax expense: current tax of Rs. 14 crore and deferred tax of Rs. 0.74 crore.
SWMF profit and loss for 2081/82
In the financial year 2081/82, Suryodaya Womi Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 78.63 crore, net fee and commission income of Rs. 11.59 crore, net trading income of Rs. 0 crore, other operating income of Rs. 3.34 crore, total operating income of Rs. 93.55 crore, impairment charge/(reversal) of Rs. 30.32 crore, net operating income of Rs. 63.24 crore, operating expenses of Rs. 58.51 crore, operating profit of Rs. 4.72 crore, non-operating income/(expense) of Rs. 0.03 crore, profit before income tax of Rs. 4.76 crore, income tax expense of Rs. 1.15 crore and profit for the year of Rs. 3.61 crore.
Reported under net interest income: interest income of Rs. 157.57 crore and interest expense of Rs. 78.95 crore. Reported under net fee and commission income: fee and commission income of Rs. 11.59 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 45.95 crore, other operating expenses of Rs. 9.08 crore and depreciation & amortisation of Rs. 3.49 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.03 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 2.15 crore and deferred tax of Rs. 1 crore.
SWMF profit and loss for 2080/81
In the financial year 2080/81, Suryodaya Womi Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 65.62 crore, net fee and commission income of Rs. 9.44 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 75.06 crore, impairment charge/(reversal) of Rs. 5.89 crore, net operating income of Rs. 69.17 crore, operating expenses of Rs. 58.9 crore, operating profit of Rs. 10.27 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 10.27 crore, income tax expense of Rs. 4.58 crore and profit for the year of Rs. 5.69 crore.
Reported under net interest income: interest income of Rs. 153.91 crore and interest expense of Rs. 88.29 crore. Reported under net fee and commission income: fee and commission income of Rs. 9.44 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 47.97 crore, other operating expenses of Rs. 7.81 crore and depreciation & amortisation of Rs. 3.13 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. 4.64 crore and deferred tax of Rs. 0.06 crore.
SWMF balance sheet for 2081/82
In the financial year 2081/82, Suryodaya Womi Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 1,251.38 crore, total liabilities of Rs. 1,101.1 crore and total equity of Rs. 150.28 crore.
Reported under total assets: cash and cash equivalents of Rs. 40.28 crore, due from nepal rastra bank of Rs. 5.41 crore, loans and advances to customers of Rs. 1,182.63 crore, investment securities of Rs. 0.27 crore, current tax assets of Rs. 3.24 crore, property and equipment of Rs. 9.13 crore, goodwill and intangible assets of Rs. 0.14 crore, deferred tax assets of Rs. 3.39 crore and other assets of Rs. 6.88 crore. Reported under total liabilities: deposits from customers of Rs. 552.72 crore, borrowings of Rs. 518.58 crore, current tax liabilities of Rs. 0 crore and other liabilities of Rs. 29.81 crore. Reported under total equity: share capital of Rs. 110.63 crore, share premium of Rs. 0 crore, retained earnings of Rs. 0.79 crore and reserves of Rs. 38.86 crore.
SWMF balance sheet for 2080/81
In the financial year 2080/81, Suryodaya Womi Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 1,202.83 crore, total liabilities of Rs. 1,055.09 crore and total equity of Rs. 147.75 crore.
Reported under total assets: cash and cash equivalents of Rs. 66.73 crore, due from nepal rastra bank of Rs. 5.41 crore, loans and advances to customers of Rs. 1,110.78 crore, investment securities of Rs. 0.2 crore, current tax assets of Rs. 0 crore, property and equipment of Rs. 9.81 crore, goodwill and intangible assets of Rs. 0.18 crore, deferred tax assets of Rs. 2.31 crore and other assets of Rs. 7.42 crore. Reported under total liabilities: deposits from customers of Rs. 482.48 crore, borrowings of Rs. 544.12 crore, current tax liabilities of Rs. 0.57 crore and other liabilities of Rs. 27.92 crore. Reported under total equity: share capital of Rs. 91.08 crore, share premium of Rs. 0 crore, retained earnings of Rs. 20.41 crore and reserves of Rs. 36.26 crore.
SWMF balance sheet for 2079/80
In the financial year 2079/80, Suryodaya Womi Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 1,056.69 crore, total liabilities of Rs. 915.64 crore and total equity of Rs. 141.05 crore.
Reported under total assets: cash and cash equivalents of Rs. 28.34 crore, due from nepal rastra bank of Rs. 5.41 crore, loans and advances to customers of Rs. 1,001.18 crore, investment securities of Rs. 0.2 crore, current tax assets of Rs. 1.56 crore, property and equipment of Rs. 10.48 crore, goodwill and intangible assets of Rs. 0.19 crore, deferred tax assets of Rs. 2.76 crore and other assets of Rs. 6.56 crore. Reported under total liabilities: deposits from customers of Rs. 454.84 crore, borrowings of Rs. 434.52 crore, current tax liabilities of Rs. 0 crore and other liabilities of Rs. 26.28 crore. Reported under total equity: share capital of Rs. 91.08 crore, share premium of Rs. 0 crore, retained earnings of Rs. 15.76 crore and reserves of Rs. 34.21 crore.
SWMF cash flow for 2081/82
In the financial year 2081/82, Suryodaya Womi Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 25.34 crore, net cash flow from investing activities (b) of Rs. 0.2 crore, net cash flow from financing activities (c) of Rs. 0.91 crore, net increase/(decrease) in cash and cash equivalents of Rs. 26.45 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 66.73 crore and cash and cash equivalents at ashadh end of Rs. 40.28 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 157.05 crore, fees and other income received of Rs. 11.59 crore, interest paid of Rs. 78.95 crore, cash payment to employees of Rs. 44.45 crore, other expense paid of Rs. 10.64 crore, operating cash flows before changes in operating assets and liabilities of Rs. 34.6 crore, due from nepal rastra bank of Rs. 0 crore, loan and advances to customers of Rs. 101.62 crore, other assets of Rs. 0.54 crore, deposit from customers of Rs. 70.24 crore, borrowings of Rs. 25.54 crore, other liabilities of Rs. 2.41 crore, net cash flow from operating activities before tax paid of Rs. 19.37 crore and income taxes paid of Rs. 5.96 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0.07 crore, purchase of property and equipment of Rs. 0.16 crore, receipt from sale of property and equipment of Rs. 0.03 crore and purchase of intangible assets of Rs. 0 crore. Reported under net cash flow from financing activities (c): receipt from issue of shares of Rs. 0.41 crore, dividends paid of Rs. 1 crore and other receipt/payment of Rs. 0.31 crore.
SWMF cash flow for 2080/81
In the financial year 2080/81, Suryodaya Womi Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 38.78 crore, net cash flow from investing activities (b) of Rs. 0.19 crore, net cash flow from financing activities (c) of Rs. 0.2 crore, net increase/(decrease) in cash and cash equivalents of Rs. 38.39 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 28.34 crore and cash and cash equivalents at ashadh end of Rs. 66.73 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 153.14 crore, fees and other income received of Rs. 9.44 crore, interest paid of Rs. 88.36 crore, cash payment to employees of Rs. 44.96 crore, other expense paid of Rs. 6.97 crore, operating cash flows before changes in operating assets and liabilities of Rs. 22.29 crore, due from nepal rastra bank of Rs. 0 crore, loan and advances to customers of Rs. 114.46 crore, other assets of Rs. 1.12 crore, deposit from customers of Rs. 27.64 crore, borrowings of Rs. 109.6 crore, other liabilities of Rs. 2.67 crore, net cash flow from operating activities before tax paid of Rs. 41.28 crore and income taxes paid of Rs. 2.5 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 0.16 crore, receipt from sale of property and equipment of Rs. 0 crore and purchase of intangible assets of Rs. 0.03 crore. Reported under net cash flow from financing activities (c): receipt from issue of shares of Rs. 0.05 crore, dividends paid of Rs. 0 crore and other receipt/payment of Rs. 0.14 crore.
SWMF cash flow for 2079/80
In the financial year 2079/80, Suryodaya Womi Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 20.94 crore, net cash flow from investing activities (b) of Rs. 2.98 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 23.92 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 52.25 crore and cash and cash equivalents at ashadh end of Rs. 28.34 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 155.64 crore, fees and other income received of Rs. 8.87 crore, interest paid of Rs. 96.98 crore, cash payment to employees of Rs. 43.47 crore, other expense paid of Rs. 12.34 crore, operating cash flows before changes in operating assets and liabilities of Rs. 11.73 crore, due from nepal rastra bank of Rs. 0 crore, loan and advances to customers of Rs. 81.55 crore, other assets of Rs. 1.09 crore, deposit from customers of Rs. 26.86 crore, borrowings of Rs. 136.13 crore, other liabilities of Rs. 0.38 crore, net cash flow from operating activities before tax paid of Rs. 16.71 crore and income taxes paid of Rs. 4.22 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 2.94 crore, receipt from sale of property and equipment of Rs. 0 crore and purchase of intangible assets of Rs. 0.04 crore. Reported under net cash flow from financing activities (c): receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.
SWMF quarterly for Q4 2082/83
In the quarter Q4 2082/83, Suryodaya Womi Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 35.06 crore, net fee and commission income of Rs. 2.73 crore, total operating income of Rs. 37.79 crore, impairment charge/(reversal) of Rs. 13.77 crore, net operating income of Rs. 24.02 crore, operating expenses of Rs. 15.69 crore, operating profit of Rs. 8.33 crore, non-operating income/(expense) of Rs. 1.14 crore, profit before income tax of Rs. 9.47 crore, income tax expense of Rs. 6.62 crore and profit for the year of Rs. 2.85 crore.
Reported under net interest income: interest income of Rs. 53.9 crore and interest expense of Rs. 18.83 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.73 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 12.16 crore, other operating expenses of Rs. 0.49 crore and depreciation & amortisation of Rs. 3.03 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.14 crore. Reported under income tax expense: current tax of Rs. 5.88 crore and deferred tax of Rs. 0.74 crore.
SWMF quarterly for Q3 2082/83
In the quarter Q3 2082/83, Suryodaya Womi Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 23.02 crore, net fee and commission income of Rs. 3.76 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 26.77 crore, impairment charge/(reversal) of Rs. 0.6 crore, net operating income of Rs. 26.18 crore, operating expenses of Rs. 15.86 crore, operating profit of Rs. 10.32 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 10.32 crore, income tax expense of Rs. 3.1 crore and profit for the year of Rs. 7.22 crore.
Reported under net interest income: interest income of Rs. 40.21 crore and interest expense of Rs. 17.19 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.76 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 12.66 crore, other operating expenses of Rs. 3.07 crore and depreciation & amortisation of Rs. 0.13 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. 3.1 crore and deferred tax of Rs. 0 crore.
SWMF quarterly for Q2 2082/83
In the quarter Q2 2082/83, Suryodaya Womi Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 22.28 crore, net fee and commission income of Rs. 3.61 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 25.9 crore, impairment charge/(reversal) of Rs. 3.32 crore, net operating income of Rs. 22.58 crore, operating expenses of Rs. 14.77 crore, operating profit of Rs. 7.81 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 7.81 crore, income tax expense of Rs. 2.34 crore and profit for the year of Rs. 5.47 crore.
Reported under net interest income: interest income of Rs. 40.3 crore and interest expense of Rs. 18.01 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.61 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 11.67 crore, other operating expenses of Rs. 2.97 crore and depreciation & amortisation of Rs. 0.13 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. 2.34 crore and deferred tax of Rs. 0 crore.
SWMF quarterly for Q1 2082/83
In the quarter Q1 2082/83, Suryodaya Womi Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 20.75 crore, net fee and commission income of Rs. 3.12 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 23.87 crore, impairment charge/(reversal) of Rs. 0.58 crore, net operating income of Rs. 23.29 crore, operating expenses of Rs. 14.37 crore, operating profit of Rs. 8.92 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 8.92 crore, income tax expense of Rs. 2.68 crore and profit for the year of Rs. 6.25 crore.
Reported under net interest income: interest income of Rs. 40.17 crore and interest expense of Rs. 19.41 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.12 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 11.4 crore, other operating expenses of Rs. 2.84 crore and depreciation & amortisation of Rs. 0.13 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. 2.68 crore and deferred tax of Rs. 0 crore.
SWMF Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Net Interest Income | 101 | 78.6 | 65.6 | 57.6 | 51.4 |
|---|
| Interest Income | 175 | 158 | 154 | 154 | 108 |
|---|
| Interest Expense | -73.5 | -78.9 | -88.3 | -96.7 | -56.4 |
|---|
| Net Fee and Commission Income | 13.2 | 11.6 | 9.4 | 8.9 | 7.3 |
|---|
| Fee and Commission Income | 13.2 | 11.6 | 9.4 | 8.9 | 7.3 |
|---|
| Fee and Commission Expense | Not reported | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Net Trading Income | Not reported | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | Not reported | 3.3 | 0.00 | 0.16 | 0.00 |
|---|
| Total Operating Income | 114 | 93.6 | 75.1 | 66.7 | 58.8 |
|---|
| Impairment Charge/(Reversal) | -18.3 | -30.3 | -5.9 | -2.5 | 4.3 |
|---|
| Net Operating Income | 96.1 | 63.2 | 69.2 | 64.1 | 63.1 |
|---|
| Operating Expenses | -60.7 | -58.5 | -58.9 | -58.2 | -36.9 |
|---|
| Operating Expense - Personnel Expenses | -47.9 | -45.9 | -48.0 | -45.3 | -27.7 |
|---|
| Other Operating Expenses | -9.4 | -9.1 | -7.8 | -9.3 | -6.7 |
|---|
| Depreciation & Amortisation | -3.4 | -3.5 | -3.1 | -3.6 | -2.4 |
|---|
| Operating Profit | 35.4 | 4.7 | 10.3 | 5.9 | 26.2 |
|---|
| Non-Operating Income/(Expense) | 1.1 | 0.03 | 0.00 | 0.00 | 0.00 |
|---|
| Non-Operating Income | 1.1 | 0.03 | 0.00 | 0.00 | 0.00 |
|---|
| Non-Operating Expense | Not reported | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit Before Income Tax | 36.5 | 4.8 | 10.3 | 5.9 | 26.2 |
|---|
| Income Tax Expense | -14.7 | -1.1 | -4.6 | -2.2 | -7.3 |
|---|
| Current Tax | -14.0 | -2.2 | -4.6 | -2.6 | -6.5 |
|---|
| Deferred Tax | -0.74 | 1.0 | 0.06 | 0.32 | -0.79 |
|---|
| Profit for the Year | 21.8 | 3.6 | 5.7 | 3.6 | 18.9 |
|---|
SWMF Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|
| Total Assets | 1,251 | 1,203 | 1,057 | 1,161 | 471 |
|---|
| Cash and Cash Equivalents | 40.3 | 66.7 | 28.3 | 52.3 | 17.3 |
|---|
| Due from Nepal Rastra Bank | 5.4 | 5.4 | 5.4 | 5.4 | 2.0 |
|---|
| Loans and Advances to Customers | 1,183 | 1,111 | 1,001 | 1,086 | 446 |
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| Investment Securities | 0.27 | 0.20 | 0.20 | 0.20 | 0.10 |
|---|
| Current Tax Assets | 3.2 | 0.00 | 1.6 | 0.00 | 0.00 |
|---|
| Property and Equipment | 9.1 | 9.8 | 10.5 | 11.3 | 3.3 |
|---|
| Goodwill and Intangible Assets | 0.14 | 0.18 | 0.19 | 0.19 | 0.04 |
|---|
| Deferred Tax Assets | 3.4 | 2.3 | 2.8 | 2.0 | 1.7 |
|---|
| Other Assets | 6.9 | 7.4 | 6.6 | 3.5 | 1.2 |
|---|
| Total Liabilities | 1,101 | 1,055 | 916 | 1,022 | 402 |
|---|
| Deposits from Customers | 553 | 482 | 455 | 428 | 164 |
|---|
| Borrowings | 519 | 544 | 435 | 571 | 213 |
|---|
| Current Tax Liabilities | 0.00 | 0.57 | 0.00 | 0.11 | 0.86 |
|---|
| Other Liabilities | 29.8 | 27.9 | 26.3 | 23.4 | 24.8 |
|---|
| Total Equity | 150 | 148 | 141 | 139 | 69.3 |
|---|
| Share Capital | 111 | 91.1 | 91.1 | 79.2 | 41.2 |
|---|
| Share Premium | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Retained Earnings | 0.79 | 20.4 | 15.8 | 24.7 | 8.8 |
|---|
| Reserves | 38.9 | 36.3 | 34.2 | 34.7 | 19.3 |
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SWMF Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Net Cash Flow from Operating Activities (A) | -25.3 | 38.8 | -20.9 | 7.7 |
|---|
| Interest Received | 157 | 153 | 156 | 104 |
|---|
| Fees and Other Income Received | 11.6 | 9.4 | 8.9 | 7.3 |
|---|
| Interest Paid | -78.9 | -88.4 | -97.0 | -72.9 |
|---|
| Cash Payment to Employees | -44.5 | -45.0 | -43.5 | -26.3 |
|---|
| Other Expense Paid | -10.6 | -7.0 | -12.3 | -1.3 |
|---|
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 34.6 | 22.3 | 11.7 | 10.5 |
|---|
| Due from Nepal Rastra Bank | 0.00 | 0.00 | -0.00 | -3.4 |
|---|
| Loan and Advances to Customers | -102 | -114 | 81.6 | -104 |
|---|
| Other Assets | 0.54 | -1.1 | -1.1 | 1.6 |
|---|
| Deposit from Customers | 70.2 | 27.6 | 26.9 | 81.3 |
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| Borrowings | -25.5 | 110 | -136 | 41.2 |
|---|
| Other Liabilities | 2.4 | -2.7 | 0.38 | -10.5 |
|---|
| Net Cash Flow from Operating Activities Before Tax Paid | -19.4 | 41.3 | -16.7 | 17.0 |
|---|
| Income Taxes Paid | -6.0 | -2.5 | -4.2 | -9.3 |
|---|
| Net Cash Flow from Investing Activities (B) | -0.20 | -0.19 | -3.0 | 26.9 |
|---|
| Purchase of Investment Securities | -0.07 | 0.00 | 0.00 | 0.00 |
|---|
| Purchase of Property and Equipment | -0.16 | -0.16 | -2.9 | -1.1 |
|---|
| Receipt from Sale of Property and Equipment | 0.03 | 0.00 | 0.00 | 0.01 |
|---|
| Purchase of Intangible Assets | 0.00 | -0.03 | -0.04 | -0.02 |
|---|
| Net Cash Flow from Financing Activities (C) | -0.91 | -0.20 | 0.00 | 0.29 |
|---|
| Receipt from Issue of Shares | 0.41 | -0.05 | 0.00 | 0.00 |
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| Dividends Paid | -1.0 | 0.00 | 0.00 | 0.00 |
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| Other Receipt/Payment | -0.31 | -0.14 | 0.00 | 0.29 |
|---|
| Net Increase/(Decrease) in Cash and Cash Equivalents | -26.4 | 38.4 | -23.9 | 34.9 |
|---|
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 66.7 | 28.3 | 52.3 | 17.3 |
|---|
| Cash and Cash Equivalents at Ashadh End | 40.3 | 66.7 | 28.3 | 52.3 |
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SWMF Quarterly Results
Values in Rs. Crore unless stated otherwise.
| Particulars | Q4 2082/83 | Q3 2082/83 | Q2 2082/83 | Q1 2082/83 | Q4 2081/82 | Q3 2081/82 | Q2 2081/82 | Q1 2081/82 | Q4 2080/81 |
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| Net Interest Income | 35.1 | 23.0 | 22.3 | 20.8 | 32.8 | 18.2 | 21.7 | 8.7 | 23.9 |
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| Interest Income | 53.9 | 40.2 | 40.3 | 40.2 | 48.2 | 37.7 | 41.2 | 29.4 | 47.8 |
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| Interest Expense | -18.8 | -17.2 | -18.0 | -19.4 | -15.3 | -19.5 | -19.5 | -20.7 | -23.9 |
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| Net Fee and Commission Income | 2.7 | 3.8 | 3.6 | 3.1 | 1.9 | 3.7 | 3.5 | 2.8 | 4.5 |
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| Fee and Commission Income | 2.7 | 3.8 | 3.6 | 3.1 | 1.9 | 3.7 | 3.5 | 2.8 | 4.5 |
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| Fee and Commission Expense | Not reported | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Net Trading Income | Not reported | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Other Operating Income | Not reported | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Total Operating Income | 37.8 | 26.8 | 25.9 | 23.9 | 34.7 | 21.9 | 25.2 | 11.5 | 28.4 |
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| Impairment Charge/(Reversal) | -13.8 | -0.60 | -3.3 | -0.58 | -11.8 | -0.58 | -1.8 | -0.71 | -0.13 |
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| Net Operating Income | 24.0 | 26.2 | 22.6 | 23.3 | 22.9 | 21.3 | 23.4 | 10.8 | 28.3 |
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| Operating Expenses | -15.7 | -15.9 | -14.8 | -14.4 | -14.4 | -14.2 | -13.3 | -15.5 | -17.7 |
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| Operating Expense - Personnel Expenses | -12.2 | -12.7 | -11.7 | -11.4 | -10.5 | -10.9 | -10.5 | -12.7 | -13.0 |
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| Other Operating Expenses | -0.49 | -3.1 | -3.0 | -2.8 | -3.7 | -3.2 | -2.6 | -2.7 | -4.5 |
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| Depreciation & Amortisation | -3.0 | -0.13 | -0.13 | -0.13 | -0.19 | -0.15 | -0.14 | -0.14 | -0.20 |
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| Operating Profit | 8.3 | 10.3 | 7.8 | 8.9 | 8.5 | 7.1 | 10.1 | -4.7 | 10.6 |
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| Non-Operating Income/(Expense) | 1.1 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Non-Operating Income | 1.1 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Non-Operating Expense | Not reported | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Profit Before Income Tax | 9.5 | 10.3 | 7.8 | 8.9 | 8.5 | 7.1 | 10.1 | -4.7 | 10.6 |
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| Income Tax Expense | -6.6 | -3.1 | -2.3 | -2.7 | -2.6 | -1.8 | -1.6 | 0.00 | -3.2 |
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| Current Tax | -5.9 | -3.1 | -2.3 | -2.7 | -2.6 | -1.8 | -1.6 | 0.00 | -3.2 |
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| Deferred Tax | -0.74 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Profit for the Year | 2.8 | 7.2 | 5.5 | 6.2 | 6.0 | 5.4 | 8.5 | -4.7 | 7.4 |
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Suryodaya Womi share price history
Over the last 15 trading sessions SWMF closed between Rs. 578.00 and Rs. 622.00, finishing at Rs. 622.00 on 2026-09-22 against Rs. 588.50 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
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| 2026-09-22 | 605.50 | 623.60 | 605.50 | 622.00 | 5,456 |
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| 2026-09-18 | 599.00 | 609.60 | 592.00 | 605.50 | 4,613 |
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| 2026-09-17 | 591.10 | 600.00 | 590.70 | 596.00 | 4,285 |
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| 2026-09-16 | 600.00 | 603.90 | 582.00 | 590.00 | 2,563 |
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| 2026-09-15 | 610.00 | 610.00 | 590.30 | 604.00 | 5,361 |
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| 2026-09-14 | 589.90 | 594.50 | 582.00 | 592.90 | 3,420 |
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| 2026-09-11 | 606.90 | 606.90 | 575.00 | 585.00 | 1,388 |
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| 2026-09-10 | 572.10 | 580.00 | 572.10 | 578.00 | 577 |
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| 2026-09-09 | 584.00 | 585.00 | 575.00 | 584.00 | 1,699 |
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| 2026-09-07 | 579.00 | 588.00 | 577.30 | 584.00 | 3,348 |
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| 2026-09-03 | 581.50 | 581.50 | 575.00 | 579.00 | 1,019 |
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| 2026-09-02 | 579.00 | 581.50 | 576.00 | 581.50 | 1,997 |
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| 2026-09-01 | 571.30 | 580.00 | 571.10 | 578.00 | 2,960 |
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| 2026-08-31 | 578.50 | 580.00 | 574.00 | 580.00 | 1,379 |
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| 2026-08-26 | 594.50 | 594.50 | 580.00 | 588.50 | 1,904 |
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SWMF share price by year
2026, between Rs. 571.10 and Rs. 754.00, 2025, between Rs. 641.10 and Rs. 868.10, 2024, between Rs. 530.43 and Rs. 1,009.43, 2023, between Rs. 446.11 and Rs. 720.29 and 2022, between Rs. 479.23 and Rs. 968.54.
| Year | Low (Rs.) | High (Rs.) | Sessions |
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| 2026 | 571.10 | 754.00 | 168 |
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| 2025 | 641.10 | 868.10 | 224 |
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| 2024 | 530.43 | 1,009.43 | 232 |
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| 2023 | 446.11 | 720.29 | 227 |
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| 2022 | 479.23 | 968.54 | 158 |
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Suryodaya Womi share price returns
At Rs. 622.00 on 2026-09-22, SWMF is up 2.98% over 1 week, up 2.98% over 1 month, down 4.28% over 3 months, down 13.97% over 6 months and down 12.66% 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 |
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| 1 week | +2.98% | 604.00 | 2026-09-15 |
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| 1 month | +2.98% | 604.00 | 2026-08-21 |
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| 3 months | -4.28% | 649.80 | 2026-06-24 |
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| 6 months | -13.97% | 723.00 | 2026-03-26 |
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| 1 year | -12.66% | 712.19 | 2025-09-21 |
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SWMF floorsheet for 2026-09-22
SWMF traded 60 times on 2026-09-22, moving 5,236 shares for Rs. 0.32 crore of turnover. Trades went through between Rs. 605.50 and Rs. 623.60.
Largest buyers by volume: broker 60, Nagarik Stock Dealer Company Ltd. on 2,000 shares across 16 trades, broker 29, Trishul Securities And Investment Limited on 1,500 shares across 15 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 1,110 shares across 16 trades, broker 62, Capital Max Securities Limited on 300 shares across 2 trades, broker 36, Secured Securities Limited on 89 shares across 2 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 86 shares across 1 trades, broker 20, Sipla Securities Pvt. Limited on 50 shares across 1 trades, broker 42, Sani Securities Company Limited on 50 shares across 3 trades, broker 84, Milky Way Share Broker Company Ltd on 21 shares across 2 trades and broker 32, Premier Securites Company Limited on 20 shares across 1 trades.
Largest sellers by volume: broker 16, Primo Securities Pvt. Limited on 1,720 shares across 14 trades, broker 58, Naasa Securities Co. Ltd. on 822 shares across 10 trades, broker 42, Sani Securities Company Limited on 442 shares across 3 trades, broker 36, Secured Securities Limited on 370 shares across 2 trades, broker 32, Premier Securites Company Limited on 319 shares across 3 trades, broker 7, J.F. Securities Company Pvt. Limited on 256 shares across 3 trades, broker 62, Capital Max Securities Limited on 200 shares across 1 trades, broker 53, Investment Management Nepal Pvt. Ltd. on 200 shares across 2 trades, broker 34, Vision Securities Pvt.Limited on 127 shares across 1 trades and broker 48, Trishakti Securities Public Limited on 100 shares across 1 trades.
SWMF dividend history: bonus shares and cash dividend
Suryodaya Womi Laghubitta Bittiya Sanstha Limited most recently declared a 6% bonus share issue and a 0.9624% cash dividend, 6.9624% in total for 2080/2081, announced on 2024-12-22. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.
| Financial year | Bonus share | Cash dividend | Announced |
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| 2080/2081 | 6% | 0.9624% | 2024-12-22 |
| 2079/2080 | 14.0051% | | 2024-07-25 |
| 2078/2079 | 15% | | 2023-12-21 |
| 2077/2078 | 20% | | 2023-12-21 |
For 2080/2081 Suryodaya Womi Laghubitta Bittiya Sanstha Limited declared a 6% bonus share issue and a 0.9624% cash dividend, 6.9624% in total, announced on 2024-12-22.
For 2079/2080 Suryodaya Womi Laghubitta Bittiya Sanstha Limited declared a 14.0051% bonus share issue, announced on 2024-07-25.
For 2078/2079 Suryodaya Womi Laghubitta Bittiya Sanstha Limited declared a 15% bonus share issue, announced on 2023-12-21.
For 2077/2078 Suryodaya Womi Laghubitta Bittiya Sanstha Limited declared a 20% bonus share issue, announced on 2023-12-21.
SWMF general meetings
Annual and special general meetings Suryodaya Womi Laghubitta Bittiya Sanstha Limited has called. A dividend is declared by the board and approved at the AGM.
- 14th AGM for 2081/2082: on 2026-01-14
- 13th AGM for 2080/2081: on 2025-01-12, at Mahalaxmi Municipality Ward No-8, Lubhu Party Palace & Catering Center Sabha Hall, Lalitpur (11:00 AM)
- 12th AGM for 2079/2080: on 2024-08-16, at Mahalaxmi Municipality Ward No-8, Lubhu Party Palace & Catering Center Sabha Hall, Lalitpur (12:30 PM)
5 years of annual statements and 9 quarters of results for SWMF, with charts and peer comparison, are free on NepView.
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