Laxmi Microfinance Net Profit Reaches NPR 3.32 Crore in Q1 FY 2083/84 as NPL Exceeds 12 Percent

5th November 2026, Kathmandu

Laxmi Microfinance Bittiya Sanstha Limited has released its un-audited financial report for the first quarter of the fiscal year 2083/84 (ending Ashwin-end 2083).

Laxmi Microfinance Net Profit

The microfinance institution registered a net profit of NPR 3.32 crore, marking a 7.63 percent increase compared to NPR 3.09 crore reported in the corresponding period of the previous fiscal year.

Key Revenue Metrics and Income Breakdown

Despite the overall growth in net profit and operating income, net interest income experienced a slight contraction.

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• Net Profit: NPR 3,32,67,000 (Up by 7.63% from NPR 3,09,09,000 in Q1 FY 2082/83).
• Operating Profit: NPR 4,75,06,000 (Up from NPR 4,41,55,000 in Q1 FY 2082/83).
• Net Interest Income: NPR 12,99,72,000 (Decreased from NPR 14,07,40,000 in Q1 FY 2082/83).
• Total Operating Income: NPR 14,32,73,000 (Decreased from NPR 15,40,92,000 in Q1 FY 2082/83).

Balance Sheet Metrics and Asset Portfolio

The institution maintained a substantial loan portfolio against its total assets base.

• Total Loans and Advances: NPR 6.11 crore (NPR 6,11,14,00,000).
• Total Assets: NPR 6.45 crore (NPR 6,45,90,00,000).
• Deposits and Borrowings: NPR 28.56 crore (NPR 28,56,89,000).

Capital Structure and Shareholder Ratios

Per-share metrics reflected improvements aligned with net profit gains, while non-performing loans showed an uptick.

• Paid-up Capital: NPR 44.16 crore (NPR 44,16,62,000).
• Reserves and Surplus: NPR 3.77 crore (NPR 3,77,17,000) in reserves with retained earnings reaching NPR 11.55 crore (NPR 11,55,58,000).
• Earnings Per Share (EPS): NPR 30.13 (Increased from NPR 27.99 in Q1 FY 2082/83).
• Non-Performing Loan (NPL) Ratio: 12.12 percent (Increased from 11.79 percent in Q1 FY 2082/83).

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