RSDC Laghubitta Bittiya Sanstha Limited (RSDC): A Twelve - Year Financial Performance Review (Q4 2071/72 to Q4 2082/83)
Summary
RSDC Laghubitta Bittiya Sanstha Limited has demonstrated significant growth over 12 years, with assets rising from Rs. 54.62 crore to Rs. 5.66 billion and stable net profits ranging between Rs. 10-15 crore in recent years. The wholesale microfinance institution remains heavily reliant on borrowings but shows improving asset utilization and steady dividend payouts.
Key Points
- RSDC's total assets grew from Rs. 54.62 crore in Q4 2071/72 to Rs. 5.66 billion in Q4 2082/83 with a median annual growth rate of 23.41%.
- Loans and advances to MFIs and cooperatives expanded significantly but have declined since peaking in Q4 2079/80.
- Borrowings constitute the major liability, increasing at a median annual rate of 27.05%, highlighting dependence on external borrowing.
- Net profit remained stable between Rs. 10 to 15 crore over the last five years, with consistent dividend payouts averaging 10.76% annually.
