Kalika Laghubitta Reports Strong Earnings Growth with Net Profit Up 304 Percent in FY 2082/83
10th August 2026, Kathmandu
Kalika Laghubitta Bittiya Sanstha Limited, headquartered in Pokhara, has reported a significant improvement in its financial performance for the fourth quarter of fiscal year 2082/83.
Kalika Laghubitta Earnings Growth
According to the un-audited financial results released by the microfinance institution, net profit recorded a remarkable surge by the end of the fiscal year.
Kalika Laghubitta posted a net profit of 12.28 crore Nepali Rupees in fiscal year 2082/83.
This represents an impressive growth of 304.60 percent compared to the net profit of 3.03 crore Nepali Rupees earned in fiscal year 2081/82.
Solid Growth in Core Net Interest Income and Operating Profit
The core business operations of the microfinance company demonstrated strong expansion during the review period.
Net interest income, which serves as the primary revenue driver for financial institutions, rose by 32.01 percent.
The net interest income increased from 35.67 crore Nepali Rupees in the previous fiscal year to 47.09 crore Nepali Rupees in fiscal year 2082/83.
Driven by higher interest revenue, the operating profit of Kalika Laghubitta saw a substantial jump, rising from 8.23 crore Nepali Rupees to 18.18 crore Nepali Rupees.
Strengthened Capital Structure, Reserves, and Total Asset Base
Alongside profitability expansion, Kalika Laghubitta strengthened its underlying capital structure and reserve position over the fiscal year.
The paid-up capital of the institution reached 44.85 crore Nepali Rupees by the fourth quarter.
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The main reserve fund of the microfinance company expanded to approximately 25.23 crore Nepali Rupees, with an additional reserve fund holding around 10.07 crore Nepali Rupees.
Driven by deposit mobilization and loan portfolio growth, total assets of the company increased from 5.25 billion Nepali Rupees to approximately 5.78 billion Nepali Rupees.
Rise in Non Performing Loans Represents Key Operational Challenge
Despite the robust growth in top-line revenue and bottom-line earnings, asset quality remains a critical area of concern for management.
The non-performing loan ratio of the company escalated from 8.27 percent in fiscal year 2081/82 to 9.78 percent in fiscal year 2082/83.
The upward trend in non-performing loans reflects ongoing loan recovery pressures across the microfinance sector in Nepal.
Mitigating credit risk and improving loan recovery processes will require strategic focus in the upcoming operational cycles.
Key Earnings Indicators and Per Share Metrics
The substantial boost in net profit positively impacted per-share metrics for investors:
- Earnings Per Share: Kalika Laghubitta reported an earnings per share of 27.40 Nepali Rupees.
- Net Worth Per Share: The net worth per share of the institution reached 178.73 Nepali Rupees.
- Distributable Profit: The total distributable profit available for distribution stood at approximately 8.82 crore Nepali Rupees.
Overview of Key Financial Metrics
- Company Name: Kalika Laghubitta Bittiya Sanstha Limited
- Headquarters: Pokhara, Nepal
- Fiscal Year: 2082/83 Fourth Quarter
- Net Profit: 12.28 crore Nepali Rupees
- Net Profit Growth: 304.60 percent
- Net Interest Income: 47.09 crore Nepali Rupees
- Net Interest Income Growth: 32.01 percent
- Operating Profit: 18.18 crore Nepali Rupees
- Paid Up Capital: 44.85 crore Nepali Rupees
- Reserve Fund: 25.23 crore Nepali Rupees
- Additional Reserves: 10.07 crore Nepali Rupees
- Total Assets: 5.78 billion Nepali Rupees
- Non Performing Loan Ratio: 9.78 percent
- Earnings Per Share: 27.40 Nepali Rupees
- Net Worth Per Share: 178.73 Nepali Rupees
- Distributable Profit: 8.82 crore Nepali Rupees
Financial Summary and Future Outlook
The financial outcomes for fiscal year 2082/83 highlight a major operational turnaround for Kalika Laghubitta Bittiya Sanstha Limited, supported by expanded interest income and higher operating margins.
The company generated a distributable profit of 8.82 crore Nepali Rupees, offering dividend capacity for shareholders.
However, managing non-performing loans will remain crucial to preserving financial stability and sustaining growth momentum in the future.
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