Unnati Sahakarya Laghubitta Bittiya Sanstha Limited (USLB) Share Price & Fundamentals

Unnati Sahakarya (USLB) share price is Rs. 1,028.00, down 1.15% on 2026-10-13. Open Rs. 1,046.00. High Rs. 1,050.00. Low Rs. 1,027.50. Volume 1,295.

Unnati Sahakarya Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (USLB), Microfinance sector. Revenue: Rs. 34.92 Crore. Net profit: Rs. 6.92 Crore. Net worth: Rs. 37.24 Crore.

About Unnati Sahakarya Laghubitta Bittiya Sanstha Limited

Unnati Sahakarya Laghubitta Bittiya Sanstha Limited is a class D retail microfinance institution licensed by Nepal Rastra Bank. It was registered as a public limited company on 2070/09/17 BS (2013) and licensed by the central bank on 2071/03/13 BS. Its central office is in Siddharthanagar Municipality-12, Rupandehi, in Lumbini Province. The present name reflects the integration of the Unnati and Sahakarya entities, and it serves poor and low-income families through a branch network spanning several districts.

Unnati Sahakarya Laghubitta Bittiya Sanstha Limited (USLB) has 24,68,657 shares outstanding. It listed on NEPSE in 2018.

Company website: www.unnatislbs.com.np.

USLB key metrics

USLB strengths

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

• Makes 7.4% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
• Profit grew 60.7% on last year. (Growth)
• Bad-loan charges come to 5.2% of income, so borrowers are paying back well. (Asset Quality)
• 89.2% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
• Each share earned Rs 28.02 of profit over the year. (Shareholder Returns)

USLB weaknesses

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

• Only 32.9% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
• Only 1% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
• Staff costs take 47.1% of income, a heavy load on earnings. (Efficiency)
• Loans are 93.2% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
• Operating margin is 29.7%, so running costs take too much of what core banking earns. (Profitability)
• Return on shareholders' money is 11.6%, below what owners would hope for. (Profitability)
• 64% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
• Return on everything it owns is 1.1%, so its assets are not producing much. (Profitability)
• Only 9.2% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
• Income from lending moved 4.6%, so the core business is not growing. (Growth)
• Net profit margin is 19.8%, less than most lenders keep once every cost is paid. (Profitability)
• The bank's size moved 3.8% over the year. (Shareholder Returns)
• Owns 10.86x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
• The loan book moved 5.6%, so lending is not expanding. (Growth)
• Deposits moved 10.3%, so its cheapest source of funding is not growing. (Growth)
• Each share is backed by only Rs 150.85 of net worth. (Shareholder Returns)
• Total income moved 3.6% on last year. (Growth)
• Only 9.8% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)

USLB Q4 2082/83 results

In Q4 2082/83 Unnati Sahakarya Laghubitta Bittiya Sanstha Limited reported profit of Rs. 2.48 crore and total operating income of Rs. 10.32 crore. Profit in Q3 2082/83 was Rs. 2.33 crore. Profit grew 6.65% on the previous quarter. Total operating income grew 11.66% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 1.45 crore. Profit grew 71.33% on the same quarter last year. Total operating income grew 5.78% on the same quarter last year.

USLB annual results 2082/83

For the financial year 2082/83 Unnati Sahakarya Laghubitta Bittiya Sanstha Limited reported net profit of Rs. 6.92 crore, total operating income of Rs. 34.92 crore and net worth of Rs. 37.24 crore. Net profit in 2081/82 was Rs. 4.3 crore. Net profit grew 60.69% on the year. Total operating income grew 3.60% on the year.

USLB profit and loss for 2082/83

In the financial year 2082/83, Unnati Sahakarya Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 31.14 crore, net fee and commission income of Rs. 0.37 crore, net trading income of Rs. 0 crore, other operating income of Rs. 3.42 crore, total operating income of Rs. 34.92 crore, impairment charge/(reversal) of Rs. 1.83 crore, net operating income of Rs. 33.1 crore, operating expenses of Rs. 22.72 crore, operating profit of Rs. 10.38 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 10.38 crore, income tax expense of Rs. 3.46 crore and profit for the year of Rs. 6.92 crore.

Reported under net interest income: interest income of Rs. 54.67 crore and interest expense of Rs. 23.53 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.37 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 16.46 crore, other operating expenses of Rs. 5.85 crore and depreciation & amortisation of Rs. 0.41 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. 3.11 crore and deferred tax of Rs. 0.35 crore.

USLB profit and loss for 2081/82

In the financial year 2081/82, Unnati Sahakarya Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 29.77 crore, net fee and commission income of Rs. 3.94 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 33.71 crore, impairment charge/(reversal) of Rs. 5.33 crore, net operating income of Rs. 28.38 crore, operating expenses of Rs. 21.99 crore, operating profit of Rs. 6.4 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 6.4 crore, income tax expense of Rs. 2.09 crore and profit for the year of Rs. 4.3 crore.

Reported under net interest income: interest income of Rs. 57.3 crore and interest expense of Rs. 27.53 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.94 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 15.23 crore, other operating expenses of Rs. 5.18 crore and depreciation & amortisation of Rs. 1.58 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. 2.91 crore and deferred tax of Rs. 0.82 crore.

USLB profit and loss for 2080/81

In the financial year 2080/81, Unnati Sahakarya Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 17.75 crore, net fee and commission income of Rs. 4.31 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 22.06 crore, impairment charge/(reversal) of Rs. 1.31 crore, net operating income of Rs. 20.75 crore, operating expenses of Rs. 21.65 crore, operating profit of Rs. 0.9 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 0.9 crore, income tax expense of Rs. 0.04 crore and profit for the year of Rs. 0.95 crore.

Reported under net interest income: interest income of Rs. 51.49 crore and interest expense of Rs. 33.74 crore. Reported under net fee and commission income: fee and commission income of Rs. 4.31 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 14.91 crore, other operating expenses of Rs. 4.99 crore and depreciation & amortisation of Rs. 1.76 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. 0.49 crore and deferred tax of Rs. 0.45 crore.

USLB balance sheet for 2081/82

In the financial year 2081/82, Unnati Sahakarya Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 404.48 crore, total liabilities of Rs. 367.24 crore and total equity of Rs. 37.24 crore.

Reported under total assets: cash and cash equivalents of Rs. 10.13 crore, due from nepal rastra bank of Rs. 3.61 crore, placement with banks and fis of Rs. 4 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. 377.13 crore, investment securities of Rs. 0.06 crore, current tax assets of Rs. 0.2 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. 3.91 crore, goodwill and intangible assets of Rs. 0 crore, deferred tax assets of Rs. 2.11 crore and other assets of Rs. 3.33 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. 120.96 crore, borrowings of Rs. 235.2 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 11.08 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 24.69 crore, share premium of Rs. 0 crore, retained earnings of Rs. 0.06 crore, reserves of Rs. 12.5 crore and non controlling interest of Rs. 0 crore.

USLB balance sheet for 2080/81

In the financial year 2080/81, Unnati Sahakarya Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 389.52 crore, total liabilities of Rs. 357.24 crore and total equity of Rs. 32.29 crore.

Reported under total assets: cash and cash equivalents of Rs. 13.68 crore, due from nepal rastra bank of Rs. 8.11 crore, placement with banks and fis of Rs. 4 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. 357.2 crore, investment securities of Rs. 0.1 crore, current tax assets of Rs. 1.11 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. 3.51 crore, goodwill and intangible assets of Rs. 0 crore, deferred tax assets of Rs. 1.16 crore and other assets of Rs. 0.66 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. 109.65 crore, borrowings of Rs. 238.64 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 8.95 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 24.69 crore, share premium of Rs. 0 crore, retained earnings of Rs. 2.27 crore, reserves of Rs. 9.87 crore and non controlling interest of Rs. 0 crore.

USLB balance sheet for 2079/80

In the financial year 2079/80, Unnati Sahakarya Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 366.91 crore, total liabilities of Rs. 336.03 crore and total equity of Rs. 30.88 crore.

Reported under total assets: cash and cash equivalents of Rs. 16.05 crore, due from nepal rastra bank of Rs. 6.61 crore, placement with banks and fis of Rs. 0 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. 330.6 crore, investment securities of Rs. 5.9 crore, current tax assets of Rs. 1.03 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. 5.2 crore, goodwill and intangible assets of Rs. 0 crore, deferred tax assets of Rs. 0.89 crore and other assets of Rs. 0.62 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. 112.44 crore, borrowings of Rs. 214.43 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 9.17 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 22.9 crore, share premium of Rs. 0 crore, retained earnings of Rs. 0.7 crore, reserves of Rs. 8.68 crore and non controlling interest of Rs. 0 crore.

USLB cash flow for 2081/82

In the financial year 2081/82, Unnati Sahakarya Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 1.58 crore, net cash flow from investing activities (b) of Rs. 1.98 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 3.56 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 13.68 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. 10.13 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 54.32 crore, fees and other income received of Rs. 3.38 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 27.53 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 12.97 crore, other expense paid of Rs. 5.13 crore, operating cash flows before changes in operating assets and liabilities of Rs. 12.07 crore, due from nepal rastra bank of Rs. 4.5 crore, placement with banks and financial institutions of Rs. 0 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. 22.27 crore, other assets of Rs. 2.67 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. 11.31 crore, borrowings of Rs. 3.44 crore, other liabilities of Rs. 0.94 crore, net cash flow from operating activities before tax paid of Rs. 0.43 crore and income taxes paid of Rs. 2.01 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. 0.08 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 1.9 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.

USLB cash flow for 2080/81

In the financial year 2080/81, Unnati Sahakarya Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 9.88 crore, net cash flow from investing activities (b) of Rs. 5.73 crore, net cash flow from financing activities (c) of Rs. 1.78 crore, net increase/(decrease) in cash and cash equivalents of Rs. 2.37 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 16.05 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. 13.68 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 50.96 crore, fees and other income received of Rs. 4.31 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 33.4 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 14.67 crore, other expense paid of Rs. 6.31 crore, operating cash flows before changes in operating assets and liabilities of Rs. 0.89 crore, due from nepal rastra bank of Rs. 1.5 crore, placement with banks and financial institutions of Rs. 4 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. 27.35 crore, other assets of Rs. 0.3 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. 2.79 crore, borrowings of Rs. 24.21 crore, other liabilities of Rs. 1.44 crore, net cash flow from operating activities before tax paid of Rs. 9.39 crore and income taxes paid of Rs. 0.49 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. 0.07 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. 5.8 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. 1.78 crore, dividends paid of Rs. 0 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

USLB cash flow for 2079/80

In the financial year 2079/80, Unnati Sahakarya Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 2.25 crore, net cash flow from investing activities (b) of Rs. 0.09 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 2.34 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 18.39 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. 16.05 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 55.02 crore, fees and other income received of Rs. 3.67 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 36.75 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 15.58 crore, other expense paid of Rs. 6.51 crore, operating cash flows before changes in operating assets and liabilities of Rs. 0.14 crore, due from nepal rastra bank of Rs. 4.6 crore, placement with banks and financial institutions of Rs. 0 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. 20.41 crore, other assets of Rs. 0.17 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. 6.39 crore, borrowings of Rs. 8.5 crore, other liabilities of Rs. 1.76 crore, net cash flow from operating activities before tax paid of Rs. 1.15 crore and income taxes paid of Rs. 1.1 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. 0.09 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.

USLB quarterly for Q4 2082/83

In the quarter Q4 2082/83, Unnati Sahakarya Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 8.96 crore, net fee and commission income of Rs. 0.1 crore, net trading income of Rs. 0 crore, other operating income of Rs. 1.27 crore, total operating income of Rs. 10.32 crore, impairment charge/(reversal) of Rs. 1.02 crore, net operating income of Rs. 11.34 crore, operating expenses of Rs. 7.3 crore, operating profit of Rs. 4.05 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 4.05 crore, income tax expense of Rs. 1.56 crore and profit for the year of Rs. 2.48 crore.

Reported under net interest income: interest income of Rs. 14.98 crore and interest expense of Rs. 6.02 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.1 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 5.16 crore, other operating expenses of Rs. 1.72 crore and depreciation & amortisation of Rs. 0.41 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. 1.21 crore and deferred tax of Rs. 0.35 crore.

USLB quarterly for Q3 2082/83

In the quarter Q3 2082/83, Unnati Sahakarya Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 8.3 crore, net fee and commission income of Rs. 0.16 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.78 crore, total operating income of Rs. 9.24 crore, impairment charge/(reversal) of Rs. 0.92 crore, net operating income of Rs. 8.32 crore, operating expenses of Rs. 5 crore, operating profit of Rs. 3.33 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 3.33 crore, income tax expense of Rs. 1 crore and profit for the year of Rs. 2.33 crore.

Reported under net interest income: interest income of Rs. 13.88 crore and interest expense of Rs. 5.58 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.16 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 3.58 crore, other operating expenses of Rs. 1.42 crore and depreciation & amortisation of Rs. 0 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. 1 crore and deferred tax of Rs. 0 crore.

USLB quarterly for Q2 2082/83

In the quarter Q2 2082/83, Unnati Sahakarya Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 7.25 crore, net fee and commission income of Rs. 0.07 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.71 crore, total operating income of Rs. 8.03 crore, impairment charge/(reversal) of Rs. 0.49 crore, net operating income of Rs. 7.54 crore, operating expenses of Rs. 5.14 crore, operating profit of Rs. 2.39 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 2.39 crore, income tax expense of Rs. 0.72 crore and profit for the year of Rs. 1.68 crore.

Reported under net interest income: interest income of Rs. 12.89 crore and interest expense of Rs. 5.64 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.07 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 3.81 crore, other operating expenses of Rs. 1.34 crore and depreciation & amortisation of Rs. 0 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. 0.72 crore and deferred tax of Rs. 0 crore.

USLB quarterly for Q1 2082/83

In the quarter Q1 2082/83, Unnati Sahakarya Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 6.64 crore, net fee and commission income of Rs. 0.03 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.66 crore, total operating income of Rs. 7.33 crore, impairment charge/(reversal) of Rs. 1.44 crore, net operating income of Rs. 5.89 crore, operating expenses of Rs. 5.28 crore, operating profit of Rs. 0.61 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 0.61 crore, income tax expense of Rs. 0.18 crore and profit for the year of Rs. 0.43 crore.

Reported under net interest income: interest income of Rs. 12.92 crore and interest expense of Rs. 6.28 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.03 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 3.91 crore, other operating expenses of Rs. 1.37 crore and depreciation & amortisation of Rs. 0 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. 0.18 crore and deferred tax of Rs. 0 crore.

USLB Profit & Loss

Values in Rs. Crore unless stated otherwise.

USLB Balance Sheet

Values in Rs. Crore unless stated otherwise.

USLB Cash Flow

Values in Rs. Crore unless stated otherwise.

USLB Quarterly Results

Values in Rs. Crore unless stated otherwise.

Unnati Sahakarya share price history

Over the last 15 trading sessions USLB closed between Rs. 1,028.00 and Rs. 1,165.00, finishing at Rs. 1,028.00 on 2026-10-13 against Rs. 1,100.00 on 2026-09-22.

USLB share price by year

2026, between Rs. 944.00 and Rs. 1,649.90, 2025, between Rs. 1,438.00 and Rs. 2,750.00, 2024, between Rs. 726.20 and Rs. 2,363.30, 2023, between Rs. 591.10 and Rs. 1,085.00, 2022, between Rs. 853.10 and Rs. 1,786.00 and 2021, between Rs. 842.95 and Rs. 2,026.92.

Unnati Sahakarya share price returns

At Rs. 1,028.00 on 2026-10-13, USLB is down 3.34% over 1 week, up 1.58% over 1 month, down 9.98% over 3 months, down 24.30% over 6 months, down 42.73% over 1 year and down 36.03% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

USLB floorsheet for 2026-10-13

USLB traded 32 times on 2026-10-13, moving 1,295 shares for Rs. 0.13 crore of turnover. Trades went through between Rs. 1,027.50 and Rs. 1,050.00.

Largest buyers by volume: broker 58, Naasa Securities Co. Ltd. on 690 shares across 12 trades, broker 45, Imperial Securities Co. Limited on 140 shares across 4 trades, broker 62, Capital Max Securities Limited on 102 shares across 1 trades, broker 47, Neev Securities Pvt.Ltd on 100 shares across 5 trades, broker 42, Sani Securities Company Limited on 98 shares across 1 trades, broker 51, Oxford Securities Pvt.Ltd on 90 shares across 3 trades, broker 34, Vision Securities Pvt.Limited on 30 shares across 3 trades, broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 25 shares across 1 trades, broker 48, Trishakti Securities Public Limited on 10 shares across 1 trades and broker 39, Sumeru Securities Pvt.Limited on 10 shares across 1 trades.

Largest sellers by volume: broker 59, Deevyaa Securities & Stock House Pvt. Ltd on 400 shares across 7 trades, broker 48, Trishakti Securities Public Limited on 200 shares across 2 trades, broker 69, Index Securities Limited on 190 shares across 3 trades, broker 89, Global IME Securities Limited on 189 shares across 5 trades, broker 17, ABC Securities Pvt. Limited on 130 shares across 6 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 55 shares across 1 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 36 shares across 3 trades, broker 66, Miyo Securities Pvt Ltd on 35 shares across 1 trades, broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 25 shares across 1 trades and broker 11, Malla & Malla Stock Broking Company Pvt. Limited on 15 shares across 1 trades.

USLB dividend history: bonus shares and cash dividend

Unnati Sahakarya Laghubitta Bittiya Sanstha Limited most recently declared a 30% bonus share issue for 2077/2078, announced on 2021-12-20. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2077/2078 Unnati Sahakarya Laghubitta Bittiya Sanstha Limited declared a 30% bonus share issue, announced on 2021-12-20.

USLB general meetings

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

• 11th AGM for 2081/2082: on 2026-04-11, at Asian Buddha Hotel, Si.Na.Pa-8, Rupandehi, Bhairahawa (10:00 AM)
• 2nd SGM for 2081/2082: on 2025-08-02, at Asian Buddha Hotel, Si.Na.Pa.-8, Rupandehi (Bhairahawa) (10:00 AM)
• 10th AGM for 2080/2081: on 2025-02-08, at Hotel Sunstar International Pvt. Ltd, Rupandehi (Bhairahawa) (10:00 AM)

5 years of annual statements and 8 quarters of results for USLB, with charts and peer comparison, are free on NepView.

New to these statements? How to read a profit and loss statement, How to read a balance sheet, How to read a cash flow statement, How to read quarterly results.

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