Aarambha Chautari Laghubitta Bittiya Sanstha Limited

MicrofinanceMid Cap

NPR 817.50

NPR -15.7-1.88%

09:14 AM NPT · Nov 6, 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

832.50

High

833.20

Low

808.00

Prev Close

833.20

Volume

3,471

Turnover

Rs 2,832,025.3

Txns

0

Valuation · Q4 FY25/26

EPS Ann.

27.79

EPS TTM

27.79

BVPS

180.90

P/E Ann.

29.42

P/E TTM

29.42

Graham #

336.32

Capital

Mkt Cap

3.12 Arab

Total

38.18 Lakh

Public

15.27 Lakh

Promoter

22.91 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

31.19

ADX

15.82

Overall Score

25
Below Line

Technical Score

Moving Averages

SMA 20

849.62

SMA 50

873.1

Bands & Channels

BB Width %

6.56%

Volume & Flow

OBV

240,916

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

10,024

Shares Bought

Total Sell

10,024

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

49

Participating

ACCUM/DIST

Accumulation 49%

Distribution 51%

Accumulators

3

Quantity

4,070

Amount

3,424,334

Avg Rate

841.36

Rank

#19

Brokers

#62#11#69

Distributors

3

Quantity

4,253

Amount

3,559,274

Avg Rate

836.89

Rank

#20

Brokers

#58#29#56

Net Flow Impact:

-183units
(Rs. -134,940)

Net Flow by Timeframe

ACLBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 15,685 ]

Buy Side

Total: 7,035

Broker

QTY

AVG

NET

%

62

3,187

845.52

+3,132

31.8%

57

591

827.58

+110

5.9%

11

520

820.10

+517

5.2%

69

363

835.30

+363

3.6%

45

359

829.75

+41

3.6%

6

322

817.89

+322

3.2%

42

305

821.28

+212

3.0%

47

278

836.21

+265

2.8%

38

242

812.18

+242

2.4%

1

233

817.10

+233

2.3%

52

150

837.00

+150

1.5%

16

137

834.55

+124

1.4%

40

120

835.25

+20

1.2%

59

117

854.00

+117

1.2%

100

111

837.92

+111

1.1%

Sell Side

Total: 8,650

Broker

QTY

AVG

NET

%

58

2,452

846.75

-2,224

24.5%

29

1,300

818.30

-1,140

13.0%

41

561

833.98

-291

5.6%

26

541

838.40

-498

5.4%

34

540

837.56

-330

5.4%

39

520

828.90

-320

5.2%

56

501

836.83

-501

5.0%

35

451

830.24

-408

4.5%

17

440

810.94

-42

4.4%

74

370

834.74

-50

3.7%

49

313

838.38

-3

3.1%

75

225

814.49

-225

2.2%

14

173

835.58

-129

1.7%

36

150

842.35

-150

1.5%

10

113

840.00

-16

1.1%

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

1,169.6-2.34-0.2%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

4,899.3+30.19+0.62%00.11362.38-5.7369.7169.71753.91-7.6526.7910.78%19.87103.293.2471.827.673.073.07%19.9419.94%

AVYAN

1,020+2.04+0.2%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

987-2.77-0.28%0.040.12251.0695.51%5.3535.9135.91450.396.235.3219.332.3%3.6725.68-26.734.962.372.37%14.9614.96%

CYCL

1,362+10.41+0.77%00.12357.75112.53%6.62110.66110.66943.797.916.6133.914.04%3.71120.0913.464.074.024.02%34.8534.85%

DDBL

862.5-4.51-0.52%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

1,03900%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

718+2+0.28%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

900.1+5.1+0.57%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

641.3-10.23-1.57%0.010.14295.1825.3%4.494036.73493.918.139.3618.984.94%3.5519.63121.246.632.612.4%1412.85%

GGBSL

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

GILB

1,127.6+17.54+1.58%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

1,440-39.05-2.64%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

1,039+9.98+0.97%00.12158105.93%9.4228.6828.68319.318.517.1613.9113.79%7.5241.4217.0838.955.771.681.68%17.0917.09%

HLBSL

870-8.97-1.02%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

965+24.91+2.65%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

1,289+7.94+0.62%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

923.4+10.41+1.14%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

775.1+0.08+0.01%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

813.9+0.89+0.11%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

709.8+9.18+1.31%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

631.9+2.02+0.32%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

92000%00.12167.93237.58%7.8820.0720.07275.387.036.9211.919.89%6.6555.66-49.486.631.381.38%11.9711.97%
AVG1,141.072.950.22%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%
MED944.22.010.24%00.125176.92114%6.8534.2734.27363.248.137.1918.839.84%5.01528.010.86530.225.12.342.34%18.8418.84%
MAX4,899.330.192.65%0.040.14362.38352.61%12.35110.66110.66943.799.549.3647.1226.61%19.87103.2917.0892.3428.584.024.02%39.9239.92%
MIN631.9-39.05-2.64%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