Vijaya laghubitta Bittiya Sanstha Ltd. (VLBS) Share Price & Fundamentals

Vijaya (VLBS) share price is Rs. 590.50, down 0.42% on 2026-10-12. Open Rs. 585.00. High Rs. 600.00. Low Rs. 585.00. Volume 1,132.

Vijaya laghubitta Bittiya Sanstha Ltd. is a NEPSE-listed company (VLBS), Microfinance sector. Revenue: Rs. 81.98 Crore. Net profit: Rs. 19.62 Crore. Net worth: Rs. 113.12 Crore.

About Vijaya laghubitta Bittiya Sanstha Ltd.

Vijaya Laghubitta Bittiya Sanstha Limited is a national-level class D retail microfinance institution licensed by Nepal Rastra Bank. It was established on 7 August 2012 as a public limited company and received its central-bank licence on 3 January 2013. Its head office is in Dhulikhel, Kavrepalanchok, in Bagmati Province, and it reaches the rural unbanked through more than 130 branches across over 40 districts.

Vijaya laghubitta Bittiya Sanstha Ltd. (VLBS) has 79,17,221 shares outstanding. It listed on NEPSE in 2015.

Company website: vlbs.com.np.

VLBS key metrics

VLBS strengths

What Vijaya laghubitta Bittiya Sanstha Ltd.'s own accounts show in its favour, graded against the rest of its sector.

• Makes 6.2% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
• Bad-loan charges come to 1.9% of income, so borrowers are paying back well. (Asset Quality)
• 90.6% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
• 10.8% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
• Income from lending grew 14.7% on last year, so the core business is expanding. (Growth)
• Keeps 40.1% of income as profit from everyday banking, before tax. (Profitability)
• Owns 9.3x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
• Total income grew 13.7% on last year. (Growth)

VLBS 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 0%, below what owners would hope for. (Profitability)
• Return on everything it owns is 0%, so its assets are not producing much. (Profitability)
• Only 22.1% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
• Staff costs take 40.4% of income, a heavy load on earnings. (Efficiency)
• Loans are 92.5% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
• Each share is backed by only Rs 142.88 of net worth. (Shareholder Returns)
• 75.2% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
• Only 0.1% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)
• Each share produced Rs 24.78 over the year. (Shareholder Returns)
• Net profit margin is 23.9%, less than most lenders keep once every cost is paid. (Profitability)
• Only 9.4% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
• The loan book moved 6.7%, so lending is not expanding. (Growth)
• Deposits moved 9.6%, so its cheapest source of funding is not growing. (Growth)
• The bank's size moved 7.4% over the year. (Shareholder Returns)

VLBS Q4 2082/83 results

In Q4 2082/83 Vijaya laghubitta Bittiya Sanstha Ltd. reported profit of Rs. 22.3 crore and total operating income of Rs. 44.33 crore. Profit in Q3 2082/83 was a loss of Rs. 2.51 crore. Profit turned from a loss to a profit on the previous quarter. Total operating income grew 260.51% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 1.87 crore. Total operating income grew 100.25% on the same quarter last year.

VLBS annual results 2082/83

For the financial year 2082/83 Vijaya laghubitta Bittiya Sanstha Ltd. reported net profit of Rs. 19.62 crore, total operating income of Rs. 81.98 crore and net worth of Rs. 113.12 crore. Total operating income grew 13.71% on the year.

VLBS profit and loss for 2082/83

In the financial year 2082/83, Vijaya laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 74.25 crore, net fee and commission income of Rs. 7.68 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.06 crore, total operating income of Rs. 81.98 crore, impairment charge/(reversal) of Rs. 1.52 crore, net operating income of Rs. 80.46 crore, operating expenses of Rs. 47.59 crore, operating profit of Rs. 32.86 crore, non-operating income/(expense) of Rs. 5.46 crore, profit before income tax of Rs. 27.4 crore, income tax expense of Rs. 7.78 crore and profit for the year of Rs. 19.62 crore.

Reported under net interest income: interest income of Rs. 134.87 crore and interest expense of Rs. 60.62 crore. Reported under net fee and commission income: fee and commission income of Rs. 7.73 crore and fee and commission expense of Rs. 0.05 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 33.15 crore, other operating expenses of Rs. 13.72 crore and depreciation & amortisation of Rs. 0.73 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 5.46 crore. Reported under income tax expense: current tax of Rs. 8.78 crore and deferred tax of Rs. 1 crore.

VLBS profit and loss for 2081/82

In the financial year 2081/82, Vijaya laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 64.72 crore, net fee and commission income of Rs. 6.81 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.57 crore, total operating income of Rs. 72.1 crore, impairment charge/(reversal) of Rs. 29.46 crore, net operating income of Rs. 42.64 crore, operating expenses of Rs. 42.29 crore, operating profit of Rs. 0.35 crore, non-operating income/(expense) of Rs. 0.17 crore, profit before income tax of Rs. 0.52 crore, income tax expense of Rs. 0.51 crore and profit for the year of Rs. 0 crore.

Reported under net interest income: interest income of Rs. 134.71 crore and interest expense of Rs. 70 crore. Reported under net fee and commission income: fee and commission income of Rs. 7.27 crore and fee and commission expense of Rs. 0.46 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 29.62 crore, other operating expenses of Rs. 9.83 crore and depreciation & amortisation of Rs. 2.83 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.54 crore and non-operating expense of Rs. 0.37 crore. Reported under income tax expense: current tax of Rs. 2.95 crore and deferred tax of Rs. 2.44 crore.

VLBS profit and loss for 2080/81

In the financial year 2080/81, Vijaya laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 40.87 crore, net fee and commission income of Rs. 5.7 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 46.57 crore, impairment charge/(reversal) of Rs. 3.01 crore, net operating income of Rs. 43.56 crore, operating expenses of Rs. 41.44 crore, operating profit of Rs. 2.12 crore, non-operating income/(expense) of Rs. 0.28 crore, profit before income tax of Rs. 2.4 crore, income tax expense of Rs. 0.64 crore and profit for the year of Rs. 3.04 crore.

Reported under net interest income: interest income of Rs. 128.02 crore and interest expense of Rs. 87.15 crore. Reported under net fee and commission income: fee and commission income of Rs. 6.45 crore and fee and commission expense of Rs. 0.74 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 30.13 crore, other operating expenses of Rs. 8.78 crore and depreciation & amortisation of Rs. 2.53 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.28 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 3.17 crore and deferred tax of Rs. 3.81 crore.

VLBS balance sheet for 2081/82

In the financial year 2081/82, Vijaya laghubitta Bittiya Sanstha Ltd. reported total assets of Rs. 1,051.53 crore, total liabilities of Rs. 938.42 crore and total equity of Rs. 113.12 crore.

Reported under total assets: cash and cash equivalents of Rs. 55.1 crore, due from nepal rastra bank of Rs. 4.78 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. 972.33 crore, investment securities of Rs. 0 crore, current tax assets of Rs. 2.35 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. 10.11 crore, goodwill and intangible assets of Rs. 0.13 crore, deferred tax assets of Rs. 4.76 crore and other assets of Rs. 1.97 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. 207.82 crore, borrowings of Rs. 705.59 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 25.01 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 74.5 crore, share premium of Rs. 0 crore, retained earnings of Rs. 4.16 crore, reserves of Rs. 42.77 crore and non controlling interest of Rs. 0 crore.

VLBS balance sheet for 2080/81

In the financial year 2080/81, Vijaya laghubitta Bittiya Sanstha Ltd. reported total assets of Rs. 979.25 crore, total liabilities of Rs. 866.02 crore and total equity of Rs. 113.22 crore.

Reported under total assets: cash and cash equivalents of Rs. 40.96 crore, due from nepal rastra bank of Rs. 4.78 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. 911.22 crore, investment securities of Rs. 0 crore, current tax assets of Rs. 2.42 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. 9.52 crore, goodwill and intangible assets of Rs. 0.24 crore, deferred tax assets of Rs. 2.04 crore and other assets of Rs. 8.07 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. 189.68 crore, borrowings of Rs. 645.33 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 31.02 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 74.5 crore, share premium of Rs. 0 crore, retained earnings of Rs. 2.74 crore, reserves of Rs. 35.98 crore and non controlling interest of Rs. 0 crore.

VLBS balance sheet for 2079/80

In the financial year 2079/80, Vijaya laghubitta Bittiya Sanstha Ltd. reported total assets of Rs. 931.09 crore, total liabilities of Rs. 824.49 crore and total equity of Rs. 106.6 crore.

Reported under total assets: cash and cash equivalents of Rs. 44.38 crore, due from nepal rastra bank of Rs. 4.78 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. 868.45 crore, investment securities of Rs. 0 crore, current tax assets of Rs. 0 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. 4.77 crore, goodwill and intangible assets of Rs. 0.16 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 8.56 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. 203.3 crore, borrowings of Rs. 586.93 crore, current tax liabilities of Rs. 2.03 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0.82 crore, other liabilities of Rs. 31.4 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 74.5 crore, share premium of Rs. 0 crore, retained earnings of Rs. 5.42 crore, reserves of Rs. 26.67 crore and non controlling interest of Rs. 0 crore.

VLBS cash flow for 2080/81

In the financial year 2080/81, Vijaya laghubitta Bittiya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 3.19 crore, net cash flow from investing activities (b) of Rs. 0.01 crore, net cash flow from financing activities (c) of Rs. 0.24 crore, net increase/(decrease) in cash and cash equivalents of Rs. 3.42 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 44.38 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. 40.96 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 119.44 crore, fees and other income received of Rs. 6.45 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 3.01 crore, interest paid of Rs. 86.45 crore, commission and fees paid of Rs. 0.74 crore, cash payment to employees of Rs. 27.72 crore, other expense paid of Rs. 11.3 crore, operating cash flows before changes in operating assets and liabilities of Rs. 3.33 crore, due from nepal rastra bank of Rs. 0 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. 34.14 crore, other assets of Rs. 4.08 crore, due to banks and financial institutions of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 13.62 crore, borrowings of Rs. 58.39 crore, other liabilities of Rs. 4.67 crore, net cash flow from operating activities before tax paid of Rs. 1.45 crore and income taxes paid of Rs. 1.75 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. 0.11 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.16 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. 0.24 crore.

VLBS cash flow for 2079/80

In the financial year 2079/80, Vijaya laghubitta Bittiya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 5.73 crore, net cash flow from investing activities (b) of Rs. 13.07 crore, net cash flow from financing activities (c) of Rs. 48.14 crore, net increase/(decrease) in cash and cash equivalents of Rs. 29.33 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 15.05 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. 44.38 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 70.09 crore, fees and other income received of Rs. 3.91 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.01 crore, interest paid of Rs. 43.9 crore, commission and fees paid of Rs. 0.69 crore, cash payment to employees of Rs. 17.27 crore, other expense paid of Rs. 8.32 crore, operating cash flows before changes in operating assets and liabilities of Rs. 3.84 crore, due from nepal rastra bank of Rs. 2.59 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. 390.62 crore, other assets of Rs. 2.61 crore, due to banks and financial institutions of Rs. 0 crore, due to nepal rastra bank of Rs. 19.2 crore, deposit from customers of Rs. 89.64 crore, borrowings of Rs. 297.95 crore, other liabilities of Rs. 14.41 crore, net cash flow from operating activities before tax paid of Rs. 9.17 crore and income taxes paid of Rs. 3.44 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. 0.22 crore, purchase of property and equipment of Rs. 1.37 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 11.92 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. 36.1 crore, dividends paid of Rs. 0.34 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 12.37 crore.

VLBS cash flow for 2078/79

In the financial year 2078/79, Vijaya laghubitta Bittiya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 5.71 crore, net cash flow from investing activities (b) of Rs. 1.86 crore, net cash flow from financing activities (c) of Rs. 0.28 crore, net increase/(decrease) in cash and cash equivalents of Rs. 3.57 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 11.47 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 15.05 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 68.83 crore, fees and other income received of Rs. 5.44 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.02 crore, interest paid of Rs. 34.75 crore, commission and fees paid of Rs. 0.63 crore, cash payment to employees of Rs. 15.2 crore, other expense paid of Rs. 6.44 crore, operating cash flows before changes in operating assets and liabilities of Rs. 17.28 crore, due from nepal rastra bank of Rs. 0.2 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. 40.85 crore, other assets of Rs. 0.05 crore, due to banks and financial institutions of Rs. 0 crore, due to nepal rastra bank of Rs. 4.8 crore, deposit from customers of Rs. 14.27 crore, borrowings of Rs. 22.74 crore, other liabilities of Rs. 4.03 crore, net cash flow from operating activities before tax paid of Rs. 12.53 crore and income taxes paid of Rs. 6.82 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. 0.06 crore, purchase of property and equipment of Rs. 2.04 crore, receipt from sale of property and equipment of Rs. 0.1 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. 0.02 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. 0.28 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

VLBS quarterly for Q4 2082/83

In the quarter Q4 2082/83, Vijaya laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 42.18 crore, net fee and commission income of Rs. 2.15 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 44.33 crore, impairment charge/(reversal) of Rs. 5.6 crore, net operating income of Rs. 49.93 crore, operating expenses of Rs. 15.11 crore, operating profit of Rs. 34.82 crore, non-operating income/(expense) of Rs. 5.24 crore, profit before income tax of Rs. 29.59 crore, income tax expense of Rs. 7.29 crore and profit for the year of Rs. 22.3 crore.

Reported under net interest income: interest income of Rs. 57.23 crore and interest expense of Rs. 15.05 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.16 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 10.46 crore, other operating expenses of Rs. 4.3 crore and depreciation & amortisation of Rs. 0.34 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 5.24 crore. Reported under income tax expense: current tax of Rs. 8.29 crore and deferred tax of Rs. 1 crore.

VLBS quarterly for Q3 2082/83

In the quarter Q3 2082/83, Vijaya laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 10.14 crore, net fee and commission income of Rs. 2.15 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.01 crore, total operating income of Rs. 12.3 crore, impairment charge/(reversal) of Rs. 3.82 crore, net operating income of Rs. 8.48 crore, operating expenses of Rs. 10.91 crore, operating profit of Rs. 2.43 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 2.43 crore, income tax expense of Rs. 0.08 crore and profit for the year of Rs. 2.51 crore.

Reported under net interest income: interest income of Rs. 24.45 crore and interest expense of Rs. 14.31 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.15 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 7.53 crore, other operating expenses of Rs. 3.25 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. 0.08 crore and deferred tax of Rs. 0 crore.

VLBS quarterly for Q2 2082/83

In the quarter Q2 2082/83, Vijaya laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 4.53 crore, net fee and commission income of Rs. 1.73 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.02 crore, total operating income of Rs. 6.28 crore, impairment charge/(reversal) of Rs. 0.22 crore, net operating income of Rs. 6.06 crore, operating expenses of Rs. 10.39 crore, operating profit of Rs. 4.33 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 4.33 crore, income tax expense of Rs. 0.96 crore and profit for the year of Rs. 3.37 crore.

Reported under net interest income: interest income of Rs. 19.41 crore and interest expense of Rs. 14.88 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.75 crore and fee and commission expense of Rs. 0.02 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 7.1 crore, other operating expenses of Rs. 3.16 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. 0.96 crore and deferred tax of Rs. 0 crore.

VLBS quarterly for Q1 2082/83

In the quarter Q1 2082/83, Vijaya laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 17.4 crore, net fee and commission income of Rs. 1.65 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.02 crore, total operating income of Rs. 19.07 crore, impairment charge/(reversal) of Rs. 3.09 crore, net operating income of Rs. 15.99 crore, operating expenses of Rs. 11.19 crore, operating profit of Rs. 4.8 crore, non-operating income/(expense) of Rs. 0.22 crore, profit before income tax of Rs. 4.57 crore, income tax expense of Rs. 1.37 crore and profit for the year of Rs. 3.2 crore.

Reported under net interest income: interest income of Rs. 33.78 crore and interest expense of Rs. 16.38 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.67 crore and fee and commission expense of Rs. 0.02 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 8.05 crore, other operating expenses of Rs. 3.01 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. 0.22 crore. Reported under income tax expense: current tax of Rs. 1.37 crore and deferred tax of Rs. 0 crore.

VLBS Profit & Loss

Values in Rs. Crore unless stated otherwise.

VLBS Balance Sheet

Values in Rs. Crore unless stated otherwise.

VLBS Cash Flow

Values in Rs. Crore unless stated otherwise.

VLBS Quarterly Results

Values in Rs. Crore unless stated otherwise.

Vijaya share price history

Over the last 15 trading sessions VLBS closed between Rs. 590.30 and Rs. 641.10, finishing at Rs. 590.50 on 2026-10-12 against Rs. 636.00 on 2026-09-18.

VLBS share price by year

2026, between Rs. 585.00 and Rs. 876.00, 2025, between Rs. 737.00 and Rs. 1,008.00, 2024, between Rs. 564.90 and Rs. 1,174.00, 2023, between Rs. 546.10 and Rs. 845.25, 2022, between Rs. 645.83 and Rs. 1,250.00 and 2021, between Rs. 699.82 and Rs. 1,413.52.

Vijaya share price returns

At Rs. 590.50 on 2026-10-12, VLBS is down 2.72% over 1 week, down 3.20% over 1 month, down 8.45% over 3 months, down 23.71% over 6 months, down 23.20% over 1 year and down 48.14% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

VLBS floorsheet for 2026-10-12

VLBS traded 56 times on 2026-10-12, moving 1,132 shares for Rs. 0.07 crore of turnover. Trades went through between Rs. 583.00 and Rs. 600.00.

Largest buyers by volume: broker 58, Naasa Securities Co. Ltd. on 211 shares across 7 trades, broker 41, Linch Stock Market Limited on 201 shares across 3 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 187 shares across 10 trades, broker 52, Sundhara Securities Limited on 140 shares across 9 trades, broker 42, Sani Securities Company Limited on 100 shares across 9 trades, broker 26, Asian Securities Pvt. Limited on 63 shares across 2 trades, broker 11, Malla & Malla Stock Broking Company Pvt. Limited on 50 shares across 1 trades, broker 16, Primo Securities Pvt. Limited on 49 shares across 4 trades, broker 86, Stoxkarts Securities Limited on 30 shares across 2 trades and broker 74, Kalash Stock Market Pvt. Ltd. on 20 shares across 2 trades.

Largest sellers by volume: broker 37, Swarnalaxmi Securities Pvt.Limited on 300 shares across 4 trades, broker 1, Kumari Securities Pvt. Limited on 150 shares across 5 trades, broker 58, Naasa Securities Co. Ltd. on 110 shares across 10 trades, broker 52, Sundhara Securities Limited on 100 shares across 3 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 83 shares across 3 trades, broker 43, South Asian Bulls Pvt.Limited on 50 shares across 1 trades, broker 3, Arun Securities Pvt. Limited on 40 shares across 1 trades, broker 42, Sani Securities Company Limited on 40 shares across 4 trades, broker 34, Vision Securities Pvt.Limited on 30 shares across 3 trades and broker 19, Nepal Investment & Securities Trading Pvt. Limited on 27 shares across 1 trades.

VLBS dividend history: bonus shares and cash dividend

Vijaya laghubitta Bittiya Sanstha Ltd. most recently declared a 20% bonus share issue for 2078/2079, announced on 2023-03-20. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2078/2079 Vijaya laghubitta Bittiya Sanstha Ltd. declared a 20% bonus share issue, announced on 2023-03-20.

For 2077/2078 Vijaya laghubitta Bittiya Sanstha Ltd. declared a 20.03% bonus share issue, announced on 2021-12-17.

VLBS right share issues

Right issues Vijaya laghubitta Bittiya Sanstha Ltd. has announced. A right share is offered to existing shareholders in proportion to what they already hold.

• : ratio 100%

VLBS general meetings

Annual and special general meetings Vijaya laghubitta Bittiya Sanstha Ltd. has called. A dividend is declared by the board and approved at the AGM.

• 17th AGM for 2081/2082: on 2026-07-10, at Dhulikhel Lodge Resort, Dhulikhel, Kavrepalanchowk (1:00 PM)
• 16th AGM for 2080/2081: on 2025-01-13, at Dhulikhel Lodge Resort, Dhulikhel, Kavrepalanchowk (12:30 PM)
• 15th AGM for 2079/2080: on 2024-07-14, at Dhulikhel Lodge Resort, Dhulikhel, Kavrepalanchowk (11:00 AM)

6 years of annual statements and 8 quarters of results for VLBS, 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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• Grameen Bikas Laghubitta Bittiya Sanstha Ltd. (GBLBS) share price
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• Ganapati Laghubitta Bittiya Sanstha Limited (GMFBS) share price
• Himalayan Laghubitta Bittiya Sanstha Limited (HLBSL) share price
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All microfinance companies on NEPSE

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