The financial performance of finance companies during the first four months of the current fiscal year 2082/83 has remained mixed. According to data published by Nepal Rastra Bank, out of 17 finance companies in operation, 10 have reported losses while only 7 companies have managed to post profits. Collectively, the loss-making finance companies incurred a total loss of Rs 451.6 million during the review period.

Reliance Finance emerged as the worst-performing institution, posting a loss of Rs 181.9 million in just four months. Pokhara Finance followed with a loss of Rs 63.06 million, while Nepal Finance reported a loss of Rs 54.89 million. Best Finance also remained under pressure, recording a loss of Rs 52.79 million. Similarly, Samriddhi Finance incurred losses amounting to Rs 43.83 million during the period.

Guheshwori Merchant Banking & Finance reported a loss of Rs 26.93 million, while Progressive Finance recorded a loss of Rs 23.17 million. Capital Merchant Banking & Finance, Nepal Share Markets & Finance, and Janaki Finance also remained in the red, posting losses of Rs 2.03 million, Rs 1.86 million, and Rs 1.22 million respectively.

In contrast, seven finance companies managed to generate profits totaling more than Rs 170 million during the four-month period. Goodwill Finance topped the list of profit-making companies, earning a net profit of Rs 52.89 million. ICFC Finance followed closely with a net profit of Rs 40.88 million.

Manjushree Finance posted a profit of Rs 23.53 million, while Central Finance earned Rs 21.19 million. Multipurpose Finance recorded a profit of Rs 17.01 million, Gurkhas Finance earned Rs 12.51 million, and Shree Investment & Finance posted a modest profit of Rs 2.25 million.

The four-month performance highlights a widening disparity within the finance sector. While companies with stronger asset quality, disciplined lending practices, and controlled operating costs have remained profitable, several institutions continue to struggle due to rising non-performing loans, weak credit demand, and increased operational pressure. The data underscores the need for structural improvements and tighter risk management across the finance sector.