Himalayan Laghubitta Reports 49.07% Increase In Net Profit For FY 2082/83

3rd August 2026, Kathmandu

Himalayan Laghubitta Bittiya Sanstha Limited has published its unaudited fourth-quarter financial results for the fiscal year 2082/83, reporting a 49.07% year-on-year increase in net profit.

Himalayan Laghubitta Reports Profit

According to the official financial statement of the company, net profit increased to NPR 106.61 million, up from NPR 71.46 million recorded in the previous fiscal year.

This growth was supported by higher interest income, expanded lending activities, and improved operational performance throughout the review period.

Interest Income And Net Interest Income Expand

The microfinance institution generated total interest income of NPR 711.42 million during the fiscal year, compared to NPR 673.38 million reported in the previous year.

Despite rising interest expenses, net interest income grew to NPR 442.19 million, up from NPR 370.89 million in the corresponding period of the prior fiscal year.

The company earned NPR 47.86 million in net fee and commission income, driving total operating income to NPR 495.41 million from NPR 423.91 million.

Operating Profit Strengthens Significantly

Himalayan Laghubitta posted a net operating income of NPR 434.27 million, marking an increase from NPR 385.68 million in the previous fiscal year.

Operating profit improved significantly during the period, rising to NPR 152.20 million compared to NPR 105.41 million a year earlier.

After accounting for tax liabilities, the institution finalized its net profit at NPR 106.61 million, achieving a 49.07% annual growth rate.

Earnings Per Share Climbs Above NPR 31

The Earnings Per Share (EPS) of the institution increased from NPR 22.34 to NPR 31.26, reflecting the strong improvement in overall profitability.

Advertisement

The company reported an annualized distributable profit per share of NPR 27.13.

Total distributable profit reached approximately NPR 92.52 million by the close of the fourth quarter.

Loan Portfolio And Deposits Expand

At the conclusion of FY 2082/83, the balance sheet indicators of Himalayan Laghubitta stood at:

Total Loans and Advances to Customers: NPR 4.96 billion

• Customer Deposits: NPR 1.27 billion
• Total Borrowings: NPR 4.01 billion
• Total Assets: NPR 6.15 billion
• Paid-up Capital: NPR 341.09 million
• Reserve Fund: NPR 1.54 billion
• Retained Earnings: NPR 92.52 million
• Total Equity: NPR 632.81 million

Asset Quality And Key Regulatory Indicators

The Non-Performing Loan (NPL) ratio of the company increased to 9.04%, up from 7.48% in the previous fiscal year, highlighting an area requiring active credit risk management.

Other key regulatory and operational indicators remained within healthy parameters:

• Capital Fund to Risk-Weighted Assets Ratio (CAR): 11.18%
• Credit to Deposit and Borrowing Ratio (CD Ratio): 93.98%
• Base Rate: 11.70%, down from 12.72% in the previous year
• Interest Rate Spread: 8.30%, compared to 8.52% last year

Financial Summary

Himalayan Laghubitta delivered a solid financial performance in FY 2082/83, highlighted by a 49.07% rise in net profit and an EPS growth to NPR 31.26.

The microfinance institution demonstrated top-line growth across interest income, net interest income, operating income, and operating profit.

Although the rise in non-performing loans represents an operational area to monitor, the institution maintained sound capital adequacy, expanded its lending portfolio, and reinforced its market position during the fiscal year.

For More: Himalayan Laghubitta Reports Profit