Manjushree Finance Profit Report: 13 Crore Earned in 6 Months
21st January 2026, Kathmandu
Manjushree Finance Limited has reported a strong financial performance for the first six months of the current fiscal year 2082/83, earning a net profit of 13.57 crore rupees. This figure represents a 15.63 percent increase compared to the 11.70 crore rupees earned during the same period of the previous fiscal year. This growth highlights the steady trajectory of the company within the competitive financial landscape of Nepal.
Manjushree Finance Profit Report
According to the provisional financial statement released on Magh 07, 2082 (January 21, 2026), the net interest income of the company rose significantly from 39.80 crore rupees to 45.32 crore rupees. This 13.87 percent surge in core income indicates enhanced efficiency in the lending operations of the finance company and better management of its interest margins.
Strong Revenue Growth and Operating Efficiency
The total operating income of Manjushree Finance increased from 47.60 crore rupees to 53.61 crore rupees during the review period. Despite this healthy growth in top-line revenue, the operating profit of the company saw a slight decline of 11.54 percent, dropping from 21.61 crore rupees to 19.12 crore rupees. This decrease is primarily attributed to a rise in impairment charges for loans and advances, which jumped from 6.52 crore rupees to 10.03 crore rupees as the institution adopted a more conservative approach to risk provisioning.
By the end of the second quarter (Poush end), Manjushree Finance reported a distributable profit of 23.56 crore rupees. This fund is available for future dividend distributions to shareholders, providing a positive outlook for the upcoming annual general meeting.
Key Financial Indicators and Shareholder Value
The earnings per share of the company improved notably, rising from 17.33 rupees to 20.03 rupees on an annualized basis. This 15.63 percent increase reflects better returns for the shareholders and justifies the rising market interest in the scrip. Additionally, the company successfully reduced its non-performing loan ratio from 3.86 percent to 3.64 percent, demonstrating effective risk management and recovery practices in a challenging economic environment.
- Net Worth per Share: 175.29 rupees
- Capital Adequacy Ratio (CAR): 12.81 percent
- Quarter-End Market Price: 799 rupees per share
- Price-to-Earnings (P/E) Ratio: 39.88 times
The capital adequacy ratio remains well above the regulatory requirement, ensuring that the institution has a sufficient buffer to absorb potential losses while continuing its expansion plans.
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Balance Sheet Strength: Deposits and Lending
The paid-up capital of Manjushree Finance stands at 135.15 crore rupees, supported by a reserve fund and retained earnings that ensure long-term financial stability. In terms of core business operations, the company disbursed loans worth 19.61 arba (1,961 crore rupees) and collected customer deposits totaling 22.48 arba (2,248 crore rupees) by the end of the second quarter.
This indicates a well-balanced growth strategy with a strong focus on both credit expansion and deposit mobilization. The growth in loans was recorded at 10.72 percent, while deposits increased by 6.91 percent compared to the previous year. The management has successfully maintained a healthy credit-to-deposit ratio, staying within the limits prescribed by the Nepal Rastra Bank.
Strategic Outlook for 2026
Overall, the Manjushree Finance profit report for the six-month period highlights a period of sustainable growth and resilience. The increase in net profit, combined with higher net interest income and a reduction in bad loans, signals strong management performance and high investor confidence.
The company continues to strengthen its position as one of the largest and best-managed finance companies in Nepal. With its modern IT infrastructure and a customer-centric approach, Manjushree Finance is well-positioned to navigate the evolving financial sector. The current financial results are expected to positively influence investor sentiment on the Nepal Stock Exchange (NEPSE) as the company prepares for the latter half of the fiscal year.
For stakeholders and potential investors, these indicators categorize Manjushree Finance as a reliable growing institution. The focus on reducing cost of funds, which dropped significantly from 6.87 percent to 4.99 percent, will likely further enhance profitability in the coming quarters.
For More: Manjushree Finance Profit Report
