Kalika Laghubitta Bittiya Sanstha Limited has published its unaudited financial statement for the fourth quarter of fiscal year 2081/82, ending on Ashad 32. The report presents a strong financial performance with remarkable growth in profit, loans, deposits, and overall balance sheet figures. This update gives us a clearer picture of the microfinance institution’s current standing and operational success over the past year.
Growth in Assets and Lending
As of Ashad 2082, the company’s total assets stood at Rs. 5.79 Arba, a noticeable jump from Rs. 4.23 Arba in the previous fiscal year. A major part of this increase came from the loans and advances to customers, which reached Rs. 4.84 Arba, up from Rs. 3.89 Arba. This clearly shows that the company has significantly increased its credit disbursement and reached more customers across its network.
Deposit Growth and Borrowings
The microfinance institution also saw an increase in customer deposits. Deposits climbed to Rs. 1.66 Arba compared to Rs. 1.37 Arba in the previous year. Borrowings also went up to Rs. 27.91 crore from Rs. 21.39 crore, indicating reliance on external sources to support its expanding loan portfolio. This healthy growth in deposits and borrowings highlights strong operational demand and financial confidence.
Strong Profitability
Kalika Laghubitta earned a net profit of Rs. 10.08 crore in fiscal year 2081/82, which is a solid increase from the Rs. 7.92 crore earned in the previous year. In the fourth quarter alone, the profit was Rs. 4 crore. With this performance, the company’s annualized earnings per share (EPS) have risen to Rs. 26.51, a significant metric for shareholders and investors.
Operating Income and Efficiency
Total operating income for the year reached Rs. 47.85 crore, and net operating income was recorded at Rs. 43.19 crore. After covering all operating and personnel expenses, the company still managed to maintain a healthy operating profit of Rs. 25.10 crore. This shows that Kalika Laghubitta has been efficient in managing its costs while increasing revenue.
Income Distribution and Reserves
Out of the net profit of Rs. 10.08 crore, the company has made strategic allocations: Rs. 2.41 crore for General Reserve, Rs. 2.16 crore for Capital Redemption, Rs. 1.08 crore for CSR and employee training, and Rs. 2.81 crore transferred to the Regulatory Reserve. A total of Rs. 6.14 crore has been marked for distribution, reflecting a balanced approach between future preparedness and rewarding stakeholders.
Financial Ratios Indicate Stability
Kalika Laghubitta has maintained solid regulatory ratios. The Capital to Risk Weighted Assets (RWA) ratio is at 11.60%, which is above the minimum requirement. The Non-Performing Loan (NPL) stands at just 1.07%, showing strong loan recovery. The interest rate spread is 6.15%, indicating a good margin from lending activities.
Key Financial Highlights of Kalika Laghubitta (2081/82)
| Particulars | FY 2081/82 (Ashad End) | FY 2080/81 (Ashad End) |
|---|---|---|
| Total Assets | Rs. 5.79 Arba | Rs. 4.23 Arba |
| Loans & Advances to Customers | Rs. 4.84 Arba | Rs. 3.89 Arba |
| Customer Deposits | Rs. 1.66 Arba | Rs. 1.37 Arba |
| Borrowings | Rs. 27.91 Crore | Rs. 21.39 Crore |
| Net Profit (Annual) | Rs. 10.08 Crore | Rs. 7.92 Crore |
| Net Profit (Q4) | Rs. 4.00 Crore | Rs. 2.98 Crore |
| Earnings Per Share (EPS) | Rs. 26.51 | Rs. 21.28 |
| Capital to Risk Weighted Assets (RWA) | 11.60% | 12.31% |
| Non-Performing Loan (NPL) | 1.07% | 1.39% |
| Interest Rate Spread | 6.15% | 6.15% |
| Deposit Interest Rate | 7.50% | — |
| Loan Interest Rate | 15.00% | — |
Conclusion
Kalika Laghubitta’s Q4 report shows a financially sound institution that continues to grow steadily. With improved earnings, rising assets, low NPL, and strong shareholder returns, the company is well-positioned for future expansion. The commitment to financial discipline, customer outreach, and responsible profit distribution reflects positively on its management and long-term vision.\
Report: Kalika Laghubitta FY 2081/82 Q4 Financial Highlights
