Kalika Laghubitta Reports Rs. 10.80 Crores Net Profit in Q4; Operating Profit Nearly Doubles Year-on-Year
Wed, Jul 30, 2025 9:17 AM on Financial Analysis, Highlight News, Company Analysis,
Kalika Laghubitta Bittiya Sanstha Limited (KMCDB) has posted a net profit of Rs. 10.80 crores in the fourth quarter of Fiscal Year 2081/82, reflecting a 36.42% growth compared to Rs. 7.92 crores in the corresponding quarter of the previous fiscal year.
The microfinance institution witnessed significant improvements across key financial indicators. Its operating profit surged by 95.89% to Rs. 15.42 crores, supported by a significant 50.29% increase in net interest income, which stood at Rs. 38.10 crores. Deposits rose by 19.87% to Rs. 1.64 arba, while loans and advances grew by 24.39% to reach Rs. 4.84 arba. Borrowings also rose sharply by 30.46% to Rs. 2.79 arba.
On the profitability side, retained earnings jumped 62.83% to Rs. 6.40 crores, while reserves increased by 16.65% to Rs. 28.83 crores. Annualized earnings per share (EPS) rose to Rs. 26.51 from Rs. 21.28, and the net worth per share reached Rs. 186.44. Kalika Laghubitta recorded distributable profit of Rs. 6.19 crores for the fiscal year.
Despite this strong financial performance, the non-performing loan (NPL) ratio increased to 4.67% from 3.79%, and the capital adequacy ratio declined to 11.08% from 12.31%. However, the cost of fund significantly dropped to 6.49% from 8.85%, reflecting improved financial efficiency. The company’s quarter-end PE ratio stood at 39.97 times based on a market price of Rs. 1,059.50 per share.
Major Financial Highlights:
* Figures are of Immediate Previous Year Quarter Ending
| Particulars (In Rs '000) | Kalika Laghubitta | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 407,692.31 | 372,321.74* | 9.50% |
| Share Premium | 0.00 | 0.00 | - |
| Retained Earnings | 64,036.18 | 39,327.81* | 62.83% |
| Reserves | 288,370.63 | 247,215.11* | 16.65% |
| Loans & Advances to Customers | 4,847,429.14 | 3,897,112.36* | 24.39% |
| Borrowings | 2,791,769.99 | 2,139,907.08* | 30.46% |
| Deposits | 1,646,933.49 | 1,373,989.55* | 19.87% |
| Net Interest Income | 381,015.15 | 253,517.67 | 50.29% |
| Personnel Expenses | 213,736.86 | 174,883.19 | 22.22% |
| Impairment Charges/Reversal for loans and Advances | 307.81 | -22,489.81 | -101.37% |
| Operating Profit | 154,239.24 | 78,737.15 | 95.89% |
| Net Profit | 108,068.52 | 79,217.62 | 36.42% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 61,940.55 | 0.00 | - |
| Capital Adequacy (%) | 11.08 | 12.31 | -9.99% |
| NPL (%) | 4.67 | 3.79 | 23.22% |
| Cost of Fund (%) | 6.49 | 8.85 | -26.67% |
| Annualized EPS (In Rs.) | 26.51 | 21.28 | 24.58% |
| Net Worth per Share (In Rs.) | 186.44 | 176.96 | 5.36% |
| Qtr end PE Ratio (times) | 39.97 | - | - |
| Qtr End Market Price | 1059.5 | - | - |
