Suryodaya Womi (SWMF) share price is Rs. 588.00, down 0.34% on 2026-10-12. Open Rs. 585.00. High Rs. 597.00. Low Rs. 585.00. Volume 2,408.
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.
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.
| Market Cap | Rs. 650.50 Crore |
|---|---|
| P/E Ratio | 180.30 |
| P/E Ratio (TTM) | 29.86 |
| EPS | Rs. 3.26 |
| EPS (TTM) | Rs. 19.69 |
| Book Value | Rs. 135.84 |
| Dividend Yield | 0.00% |
| Face Value | Rs. 100.00 |
| 52 Week High | Rs. 754.00 |
| 52 Week Low | Rs. 571.10 |
What Suryodaya Womi Laghubitta Bittiya Sanstha Limited's own accounts show in its favour, graded against the rest of its sector.
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 |
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 |
| 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 |
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 |
| 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 |
| Dividends Paid | -1.0 | 0.00 | 0.00 | 0.00 |
| 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 |
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 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 35.1 | 23.0 | 22.3 | 20.8 | 32.8 | 18.2 | 21.7 | 8.7 | 23.9 |
| Interest Income | 53.9 | 40.2 | 40.3 | 40.2 | 48.2 | 37.7 | 41.2 | 29.4 | 47.8 |
| Interest Expense | -18.8 | -17.2 | -18.0 | -19.4 | -15.3 | -19.5 | -19.5 | -20.7 | -23.9 |
| Net Fee and Commission Income | 2.7 | 3.8 | 3.6 | 3.1 | 1.9 | 3.7 | 3.5 | 2.8 | 4.5 |
| Fee and Commission Income | 2.7 | 3.8 | 3.6 | 3.1 | 1.9 | 3.7 | 3.5 | 2.8 | 4.5 |
| Fee and Commission Expense | Not reported | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Trading Income | Not reported | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Operating Income | Not reported | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Operating Income | 37.8 | 26.8 | 25.9 | 23.9 | 34.7 | 21.9 | 25.2 | 11.5 | 28.4 |
| Impairment Charge/(Reversal) | -13.8 | -0.60 | -3.3 | -0.58 | -11.8 | -0.58 | -1.8 | -0.71 | -0.13 |
| Net Operating Income | 24.0 | 26.2 | 22.6 | 23.3 | 22.9 | 21.3 | 23.4 | 10.8 | 28.3 |
| Operating Expenses | -15.7 | -15.9 | -14.8 | -14.4 | -14.4 | -14.2 | -13.3 | -15.5 | -17.7 |
| Operating Expense - Personnel Expenses | -12.2 | -12.7 | -11.7 | -11.4 | -10.5 | -10.9 | -10.5 | -12.7 | -13.0 |
| Other Operating Expenses | -0.49 | -3.1 | -3.0 | -2.8 | -3.7 | -3.2 | -2.6 | -2.7 | -4.5 |
| Depreciation & Amortisation | -3.0 | -0.13 | -0.13 | -0.13 | -0.19 | -0.15 | -0.14 | -0.14 | -0.20 |
| Operating Profit | 8.3 | 10.3 | 7.8 | 8.9 | 8.5 | 7.1 | 10.1 | -4.7 | 10.6 |
| Non-Operating Income/(Expense) | 1.1 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Non-Operating Income | 1.1 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Non-Operating Expense | Not reported | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit Before Income Tax | 9.5 | 10.3 | 7.8 | 8.9 | 8.5 | 7.1 | 10.1 | -4.7 | 10.6 |
| Income Tax Expense | -6.6 | -3.1 | -2.3 | -2.7 | -2.6 | -1.8 | -1.6 | 0.00 | -3.2 |
| Current Tax | -5.9 | -3.1 | -2.3 | -2.7 | -2.6 | -1.8 | -1.6 | 0.00 | -3.2 |
| Deferred Tax | -0.74 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit for the Year | 2.8 | 7.2 | 5.5 | 6.2 | 6.0 | 5.4 | 8.5 | -4.7 | 7.4 |
Over the last 15 trading sessions SWMF closed between Rs. 588.00 and Rs. 622.00, finishing at Rs. 588.00 on 2026-10-12 against Rs. 605.50 on 2026-09-18.
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| 2026-10-12 | 585.00 | 597.00 | 585.00 | 588.00 | 2,408 |
| 2026-10-09 | 586.00 | 596.90 | 586.00 | 590.00 | 1,707 |
| 2026-10-08 | 592.30 | 594.90 | 585.10 | 594.90 | 790 |
| 2026-10-07 | 584.00 | 592.30 | 584.00 | 592.30 | 2,737 |
| 2026-10-06 | 587.10 | 596.00 | 585.00 | 594.00 | 12,182 |
| 2026-10-05 | 599.90 | 599.90 | 590.00 | 594.90 | 2,869 |
| 2026-10-02 | 597.00 | 599.90 | 595.00 | 599.90 | 1,110 |
| 2026-10-01 | 600.90 | 608.00 | 596.50 | 607.80 | 2,585 |
| 2026-09-30 | 600.00 | 608.90 | 600.00 | 602.00 | 2,989 |
| 2026-09-29 | 612.00 | 612.00 | 599.00 | 602.90 | 2,539 |
| 2026-09-28 | 605.00 | 617.00 | 605.00 | 612.70 | 3,885 |
| 2026-09-24 | 610.00 | 617.00 | 603.00 | 617.00 | 2,654 |
| 2026-09-23 | 635.00 | 635.00 | 606.10 | 614.70 | 3,930 |
| 2026-09-22 | 605.50 | 623.60 | 605.50 | 622.00 | 5,456 |
| 2026-09-18 | 599.00 | 609.60 | 592.00 | 605.50 | 4,613 |
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 |
|---|---|---|---|
| 2026 | 571.10 | 754.00 | 181 |
| 2025 | 641.10 | 868.10 | 224 |
| 2024 | 530.43 | 1,009.43 | 232 |
| 2023 | 446.11 | 720.29 | 227 |
| 2022 | 479.23 | 968.54 | 158 |
At Rs. 588.00 on 2026-10-12, SWMF is down 1.16% over 1 week, up 0.51% over 1 month, down 3.98% over 3 months, down 14.16% over 6 months and down 11.98% 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 | -1.16% | 594.90 | 2026-10-05 |
| 1 month | +0.51% | 585.00 | 2026-09-11 |
| 3 months | -3.98% | 612.40 | 2026-07-14 |
| 6 months | -14.16% | 685.00 | 2026-04-15 |
| 1 year | -11.98% | 668.00 | 2025-10-12 |
SWMF traded 14 times on 2026-10-12, moving 2,408 shares for Rs. 0.14 crore of turnover. Trades went through between Rs. 585.00 and Rs. 597.00.
Largest buyers by volume: broker 34, Vision Securities Pvt.Limited on 1,192 shares across 4 trades, broker 32, Premier Securites Company Limited on 846 shares across 4 trades, broker 59, Deevyaa Securities & Stock House Pvt. Ltd on 200 shares across 1 trades, broker 42, Sani Securities Company Limited on 100 shares across 2 trades, broker 3, Arun Securities Pvt. Limited on 60 shares across 2 trades and broker 36, Secured Securities Limited on 10 shares across 1 trades.
Largest sellers by volume: broker 1, Kumari Securities Pvt. Limited on 903 shares across 1 trades, broker 45, Imperial Securities Co. Limited on 500 shares across 2 trades, broker 42, Sani Securities Company Limited on 400 shares across 2 trades, broker 72, Hatemalo Financial Services Private Limited on 240 shares across 1 trades, broker 58, Naasa Securities Co. Ltd. on 200 shares across 2 trades, broker 33, Dakshinkali Investment Securities Pvt.Limited on 74 shares across 1 trades, broker 16, Primo Securities Pvt. Limited on 60 shares across 2 trades, broker 36, Secured Securities Limited on 21 shares across 2 trades and broker 59, Deevyaa Securities & Stock House Pvt. Ltd on 10 shares across 1 trades.
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 |
|---|---|---|---|
| 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.
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.
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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