Aarambha Chautari Laghubitta Bittiya Sanstha Limited

MicrofinanceMid Cap

NPR 877.00

NPR -1-0.11%

08:51 AM NPT · Sep 24, 2026

Est. Merger institution – original entities founded in 2014 and 2015 · Banepa-10, Kavrepalanchok, Nepal · CEO: Shiva Prasad Gyawali

Aarambha Chautari Laghubitta Bittiya Sanstha Limited is a leading microfinance institution in Nepal, dedicated to empowering low-income households, women entrepreneurs, and underserved communities through sustainable financial services. Formed through the merger of Aarambha Laghubitta and Chautari Laghubitta, the institution combines experience, outreach, and operational strength to deliver inclusive banking solutions across rural and semi-urban regions of the country. With a rapidly expanding network of branch offices and field units, Aarambha Chautari provides access to microcredit, micro-enterprise loans, savings products, financial literacy programs, and livelihood-support services. Its customer-centric approach focuses on uplifting marginalized communities by promoting entrepreneurship, financial independence, and socio-economic development at the grassroots level. Committed to good governance, responsible banking, and transparent operations, the institution has built a reputation for disciplined risk management and strong portfolio quality. Aarambha Chautari Laghubitta continues to expand its impact by integrating digital initiatives, strengthening community engagement, and creating long-term value for its members and stakeholders. With its mission to support financial inclusion and empower underserved populations, Aarambha Chautari stands as a trusted and impactful microfinance brand contributing to Nepal’s broader economic development.

Trading

Open

871.10

High

890.00

Low

871.10

Prev Close

878.00

Volume

281

Turnover

Rs 249,233.5

Txns

13

Valuation · Q4 FY25/26

EPS Ann.

27.79

EPS TTM

27.79

BVPS

180.90

P/E Ann.

31.56

P/E TTM

31.56

Graham #

336.32

Capital

Mkt Cap

3.22 Arab

Total

36.71 Lakh

Public

14.69 Lakh

Promoter

22.03 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

44.02

ADX

28.71

Overall Score

41
Below Line

Technical Score

Moving Averages

SMA 20

888.46

SMA 50

913.13

Bands & Channels

BB Width %

4.09%

Volume & Flow

OBV

254,902

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

5,495

Shares Bought

Total Sell

5,495

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

45

Participating

ACCUM/DIST

Accumulation 40%

Distribution 60%

Accumulators

3

Quantity

2,608

Amount

2,286,429

Avg Rate

876.70

Rank

#30

Brokers

#58#29#45

Distributors

2

Quantity

3,949

Amount

3,459,766

Avg Rate

876.11

Rank

#26

Brokers

#16#14

Net Flow Impact:

-1,341units
(Rs. -1,173,337)

Net Flow by Timeframe

ACLBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 9,771 ]

Buy Side

Total: 4,630

Broker

QTY

AVG

NET

%

58

1,149

871.01

+1,139

20.9%

29

910

878.76

+910

16.6%

45

549

885.18

+546

10.0%

62

300

887.00

+300

5.5%

57

220

878.68

+120

4.0%

26

200

897.98

+200

3.6%

41

200

882.00

+189

3.6%

43

200

893.55

+131

3.6%

91

200

893.50

+200

3.6%

39

143

877.51

+95

2.6%

69

140

875.10

+140

2.5%

49

120

875.35

+90

2.2%

32

109

875.45

+109

2.0%

40

100

882.70

+100

1.8%

22

90

871.00

+90

1.6%

Sell Side

Total: 5,141

Broker

QTY

AVG

NET

%

16

3,636

875.77

-3,464

66.2%

14

313

880.06

-300

5.7%

48

261

893.52

-161

4.8%

42

180

884.69

-118

3.3%

74

150

892.00

-60

2.7%

44

110

894.55

-20

2.0%

25

104

875.56

-104

1.9%

7

102

891.57

-92

1.9%

35

100

875.25

-65

1.8%

11

70

894.57

-70

1.3%

3

50

889.00

-50

0.9%

4

26

884.00

-26

0.5%

18

13

888.00

-13

0.2%

36

13

891.00

-3

0.2%

66

13

880.00

-13

0.2%

Financial Fundamentals

Financial MetricFY25/26 Q4FY24/25 Q4FY23/24 Q4FY22/23 Q4Growth %
Capital & Liabilities
Paid Up Capital0367,143367,14300.00%
Reserves and Surplus0206,251153,9430+33.98%
Debentures and Bonds00.000.000-
Borrowings2,832,2063,359,2772,784,4510-15.69%
Deposits01,894,9001,582,0640+19.77%
Income Tax Liabilities040,46518,6530+116.94%
Other Liabilities192,602151,462128,2730+27.16%
Total Capital & Liabilities06,145,2535,159,2220+19.11%
Assets
Cash and Bank Balance035,82042,1750-15.07%
Money at Call & Short Notice0475,522585,4530-18.78%
Investments05,0771,0000+407.70%
Loan and Advances05,315,2654,251,0670+25.03%
Fixed Assets027,62335,5110-22.21%
Non Banking Assets00.000.000-
Other Assets88,386210,182165,8560-57.95%
Total Assets5,950,7736,145,2535,159,2220-3.16%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q4

NPR/Millions

Statement

Highlight

TICKERMarket
Key Ratios
PriceChgChg%Mkt Cap (M)Asset TurnoverBook Value Per ShareC/D Ratio%Debt to EquityEPS (Annualized)EPS (TTM)Graham's NumberInterest Rate SpreadNet Interest MarginNet Profit MarginNPL%P/BP/E (Annualized)PEGP/E (TTM)P/SROA (Annualized)ROA (TTM)%ROE (Annualized)ROE (TTM)%

ADLB

------------------------

AKBSL

------------------------

ALBSL

1,174.4-19.58-1.64%0.010.13174.67114%7.7832.6332.63358.18.567.2517.038.57%6.0132.182.5536.475.482.232.23%19.6219.62%

ANLB

4,987+48.89+0.99%00.11362.38-5.7369.7169.71753.91-7.6526.7910.78%19.87103.293.2471.827.673.073.07%19.9419.94%

AVYAN

1,060+0.95+0.09%00.14158.75111.65%8.3557.0457.04451.388.378.527.57.41%6.5618.270.1618.655.023.863.86%39.9239.92%

BPW

------------------------

CBBL

956.8+7.78+0.82%0.030.12251.0695.51%5.3535.9135.91450.396.235.3219.332.3%3.6725.68-26.734.962.372.37%14.9614.96%

CYCL

1,630+99.05+6.47%00.12357.75112.53%6.62110.66110.66943.797.916.6133.914.04%3.71120.0913.464.074.024.02%34.8534.85%

DDBL

861+4.97+0.58%0.020.13226.87112.67%5.3848.1548.15495.777.767.4226.836.49%3.7517.650.5917.944.743.483.48%23.123.1%

DLBS

1,205.1-136.73-10.19%00.12150.5745.18%11.2715.7215.72230.777.986.587.0820.52%8.0376.912.0175.325.450.820.82%9.829.82%

FMDBL

759.5+9.52+1.27%0.010.06137.26123.87%2.0914.1814.18209.271.364.0447.122.88%6.2760.651.253.6728.583.063.06%10.5610.56%

FOWAD

900+6.97+0.78%0.010.13278.57115.92%6.2352.1452.14571.677.566.5921.0716.17%3.5118.780.0217.513.962.692.69%19.7419.74%

GBLBS

692-0.48-0.07%0.010.14295.1825.3%4.494036.73493.918.139.3618.984.94%3.5519.63121.246.632.612.4%1412.85%

GGBSL

------------------------

GILB

1,139.5+11.39+1.01%0.010.14242.58270.5%6.5761.8761.87581.118.818.5625.618.7%4.3717.130.318.44.393.63.6%27.6127.61%

GLBSL

1,700-9.92-0.58%00.14169.51352.61%9.3431.1131.11344.468.498.1413.378.09%10.4156.7-55.457.581.871.87%20.2820.28%

GMFBS

1,124+23.98+2.18%00.12158105.93%9.4228.6828.68319.318.517.1613.9113.79%7.5241.4217.0838.955.771.681.68%17.0917.09%

HLBSL

869+3.81+0.44%00.12185.5393.98%8.7131.2631.26361.248.37.3114.989.04%4.6927.813.1628.214.171.81.8%18.0618.06%

ILBS

950-18-1.86%00.13161.73120.99%6.5636.6636.66365.248.828.0722.6212.92%5.3423.570.3129.055.332.892.89%23.0323.03%

JALPA

------------------------

JBLB

1,278.8+3.7+0.29%0.020.13279.95125.1%661.861.8623.927.197.2125.615.33%4.4720.230.7320.585.183.343.34%24.4224.42%

JSLBB

969-0.97-0.1%00.12175.1110.76%7.0710.710.7205.325.316.516.4717.14%5.7193.363.892.346.040.750.75%6.426.42%

KLBS

------------------------

KLBSL

------------------------

KMCDB

828+17.98+2.22%00.13178.73114.65%6.2227.427.4331.948.668.316.529.78%4.3228.29.3431.394.662.212.21%15.7315.73%

LLBS

860+5.98+0.7%00.13204.16194.11%7.1724.224.2333.419.547.112.3211.93%4.5138.010.0835.994.681.591.59%13.2413.24%

MATRI

727.1-21.79-2.91%00.12145.42114.29%12.3545.1345.13384.277.956.3218.6826.61%5.7718.590.0316.373.472.32.3%27.4627.46%

MERO

607+3.02+0.5%0.010.11149.8787.82%8.38.478.471698.375.926.2217.32%4.4779.1-72.264.920.690.69%5.635.63%

MKLB

------------------------

MLBBL

978.9+9.88+1.02%00.12167.93237.58%7.8820.0720.07275.387.036.9211.919.89%6.6555.66-49.486.631.381.38%11.9711.97%
AVG1,193.52.290.09%0.010.123209.62132.62%7.2239.2539.1420.627.667.1319.7211.12%6.05340.222.53838.2397.2452.382.37%18.9818.92%
MED962.94.390.54%00.125176.92114%6.8534.2734.27363.248.137.1918.839.84%5.01528.010.86530.225.12.342.34%18.8418.84%
MAX4,98799.056.47%0.030.14362.38352.61%12.35110.66110.66943.799.549.3647.1226.61%19.87103.2917.0892.3428.584.024.02%39.9239.92%
MIN607-136.73-10.19%00.06137.2625.3%2.098.478.471691.364.046.222.3%3.51120.0213.463.470.690.69%5.635.63%

30

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum