Aarambha Chautari Laghubitta Bittiya Sanstha Limited

MicrofinanceMid Cap

NPR 917.00

NPR -3-0.33%

09:14 AM NPT · Aug 7, 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.

www.aarambhachautari.com/facebook

Trading

Open

920.00

High

930.00

Low

916.10

Prev Close

920.00

Volume

393

Turnover

Rs 362,195.2

Txns

Valuation · Q3 FY25/26

EPS Ann.

34.02

EPS TTM

34.53

BVPS

179.21

P/E Ann.

26.95

P/E TTM

26.56

Graham #

370.37

Capital

Mkt Cap

3.37 Arab

Total

36.71 Lakh

Public

14.69 Lakh

Promoter

22.03 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

37.13

ADX

14.65

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

934.06

SMA 50

940.44

Bands & Channels

BB Width %

6.93%

Volume & Flow

OBV

252,228

Flow Analysis

[ Live 2026-08-07 ]

Total Buy

3,861

Shares Bought

Total Sell

3,861

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 37%

Distribution 63%

Accumulators

Quantity

1,278

Amount

1,185,243

Avg Rate

927.42

Rank

#38

Brokers

#26#57#51

Distributors

Quantity

2,199

Amount

2,025,106

Avg Rate

920.92

Rank

#33

Brokers

#49#33

Net Flow Impact:

-921units

(Rs. -839,863)

Net Flow by Timeframe

ACLBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 6,686 ]

Buy Side

Total: 3,227

Broker

QTY

AVG

NET

610

936.10

+610

15.8%

425

918.65

+297

11.0%

264

917.86

+149

6.8%

243

920.98

+243

6.3%

220

917.35

+220

5.7%

200

920.00

+200

5.2%

200

919.00

+187

5.2%

200

923.00

+200

5.2%

145

930.37

+145

3.8%

139

924.85

+126

3.6%

137

918.21

+137

3.5%

131

926.22

+68

3.4%

113

916.68

+100

2.9%

100

920.00

+100

2.6%

100

917.00

+99

2.6%

Sell Side

Total: 3,459

Broker

QTY

AVG

NET

1,434

918.51

-1,279

37.1%

765

925.44

-765

19.8%

405

934.91

-405

10.5%

225

918.22

-145

5.8%

156

923.94

-156

4.0%

138

921.00

-138

3.6%

100

915.10

-100

2.6%

918.00

-71

1.8%

932.00

-65

1.7%

932.61

-33

0.8%

939.00

-15

0.4%

925.00

-13

0.3%

932.00

-13

0.3%

918.00

-13

0.3%

932.00

-13

0.3%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Capital & Liabilities
Paid Up Capital	367,143	367,143	367,143	0	0.00%
Reserves and Surplus	290,810	173,577	128,565	0	+67.54%
Debentures and Bonds	0.00	0.00	0.00	0	-
Borrowings	3,151,287	3,131,439	2,909,860	0	+0.63%
Deposits	2,179,384	1,824,322	1,476,140	0	+19.46%
Income Tax Liabilities	0.00	26282.67	7600.35	0	-100.00%
Other Liabilities	172,332	294,171	51,700	0	-41.42%
Total Capital & Liabilities	6,160,957	5,816,935	4,941,008	0	+5.91%
Assets
Cash and Bank Balance	245,015	37,013	30,647	0	+561.97%
Money at Call & Short Notice	20,000	137,221	336,056	0	-85.42%
Investments	597.85	5077.00	1000.00	0	-88.22%
Loan and Advances	5,706,625	5,322,341	4,422,725	0	+7.22%
Fixed Assets	40,748	31,417	35,622	0	+29.70%
Non Banking Assets	0.00	0.00	0.00	0	-
Other Assets	147,971	283,866	114,958	0	-47.87%
Total Assets	6,160,957	5,816,935	4,941,008	0	+5.91%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q3

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	Book Value Per Share	C/D Ratio%	Debt to Equity	EPS (Annualized)	EPS (TTM)	Graham's Number	Interest Rate Spread	Net Interest Margin	Net Profit Margin	NPL%	P/B	P/E (Annualized)	PEG	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,091	+5.97	+0.55%	0.01	0.13	163.92	113.23%	8.15	29.28	39.86	383.42	8.28	7.29	15.87	9.88%	9.34	39.2	0.26	27.75	11.07	2.05	2.79%	19.25	26.22%
ANLB	5,996	+471.77	+8.54%	0.01	0.11	484.74	-	4.49	82.49	91.55	999.25	-	8.2	29.25	11.17%	17.78	78.37	0.57	64.88	40.76	3.21	3.57%	19.63	21.79%
AVYAN	1,053	+11.04	+1.06%	0	0.15	157.84	110.28%	8.3	52.53	56.82	449.21	8.88	8.45	25.67	5.14%	9.83	22.14	0.06	19.62	10.11	3.72	4.02%	38.32	41.45%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	929	-0.93	-0.1%	0.03	0.12	241.93	95.82%	5.53	33.41	34.99	436.42	6.8	6.65	18.45	2.32%	5.03	27.3	-	26.32	8.96	2.25	2.36%	14.47	15.16%
CYCL	1,280	-10.06	-0.78%	0	0.11	269.54	110.75%	9.28	26.74	43.18	511.73	7.84	6.33	8.72	19.7%	7.73	58.45	-	33.7	9.07	1	1.62%	9.93	16.05%
DDBL	829	-6.01	-0.72%	0.02	0.13	212.26	111.22%	5.63	44.13	45.7	467.18	7.76	8	25.18	7.52%	5.28	19.06	0.45	18.6	8.53	3.27	3.39%	22.63	23.43%
DLBS	1,165	-17.14	-1.45%	0	0.11	148.7	96.63%	11.63	18.29	21.19	266.26	7.92	6.77	8.34	23.62%	11.57	70.54	0.28	59.75	10.47	0.95	1.11%	11.75	13.61%
FMDBL	781	+22.97	+3.03%	0.01	0.06	131.53	119.28%	2.27	11.27	13	196.14	1.37	4.79	36.69	4.36%	8.37	73.25	1.15	60.68	47.77	2.33	2.69%	8.72	10.06%
FOWAD	930	+2.87	+0.31%	0.01	0.13	239.61	115.98%	7.08	18.15	16.05	294.16	7.34	7.11	7.55	18.91%	6.49	64.23	0.16	64.74	8.62	0.95	0.84%	7.36	6.5%
GBLBS	738	+1.03	+0.14%	0.01	0.14	295.18	25.3%	4.49	40	36.73	493.91	8.13	9.36	18.98	4.94%	3.55	19.63	1	21.24	6.63	2.61	2.4%	14	12.85%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,070	-19.95	-1.83%	0.01	0.14	214.72	277.7%	7.08	45.16	47.07	476.87	8.24	9.37	18.92	8.69%	7.1	25.33	0.63	24.01	8.52	2.73	2.85%	22.17	23.11%
GLBSL	1,795.9	-5.04	-0.28%	0	0.14	168.91	379.35%	9.58	40.62	39.89	389.36	8.59	8.17	17.9	3.41%	14.21	44.31	1.48	45.47	14.11	2.45	2.41%	27.36	26.86%
GMFBS	1,154	-29.1	-2.46%	0	0.13	169.51	105.16%	9.23	53.71	52.94	449.35	7.56	8.55	24.17	14.29%	10.85	25.69	0.15	24.52	11.04	3.16	3.12%	32.12	31.67%
HLBSL	870	-10.03	-1.14%	0	0.13	178.01	101.94%	8.47	31.68	34.99	374.36	8.76	8.47	15.5	10.04%	6.93	29.2	0.68	25.72	8.05	1.96	2.17%	19.36	21.37%
ILBS	876.9	-2.11	-0.24%	0	0.12	140.07	113.65%	7.83	20.31	33.95	327.1	8.52	6.89	13.96	23.93%	9.21	47.66	-	26.98	11.83	1.65	2.77%	14.61	24.44%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,260.8	+0.76	+0.06%	0.02	0.13	255.24	127.25%	6.32	47.73	57.77	575.99	6.22	7.55	20.19	4.8%	6.83	27.38	0.5	22.45	9.83	2.65	3.22%	20.73	25.09%
JSLBB	980	-10	-1.01%	0	0.11	170.91	108.22%	6.92	8.09	19.73	275.45	7.3	6.19	5.27	21.45%	8.93	141.53	0.62	55.5	13.28	0.59	1.45%	5.12	12.49%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	777	+16.8	+2.21%	0	0.13	154.96	111.88%	6.96	4.37	12.22	206.41	8.9	8.88	2.74	14.14%	7.87	209.38	-	71.28	10.21	0.36	1.03%	2.76	7.74%
LLBS	885	-9.84	-1.1%	0	0.13	192.91	115.22%	6.79	17.29	6.03	161.78	7.58	7.77	9.2	12.59%	6.74	56.39	3.91	156.72	9.23	1.16	0.4%	9.57	3.33%
MATRI	811	-1.22	-0.15%	0.01	0.1	132.3	105.65%	14.4	15.11	9.04	164.04	7.86	5.11	7.18	9.55%	9.59	63	0.23	99.78	8.04	0.73	0.44%	9.15	5.47%
MERO	661.2	-4.8	-0.72%	0.01	0.11	151.87	103.74%	7.11	13.33	15.83	232.58	8.53	7.12	10.29	18.84%	6.56	56.04	5.65	46.16	10.26	1.16	1.39%	8.95	10.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
MLBBL	1,119	-2.02	-0.18%	0	0.13	199.67	235.28%	5.89	38.36	40.85	428.39	6.98	7.88	22.88	12.03%	8.59	33.55	5.34	29.61	13.65	2.89	3.09%	21.88	23.3%

AVG	1,229.67	18.41	0.17%	0.01	0.122	203.38	132.55%	7.43	31.46	34.97	389.06	7.59	7.5	16.5	11.88%	8.563	55.98	1.284	46.613	13.184	1.99	2.23%	16.36	18.3%
MED	955	-2.06	-0.21%	0	0.13	174.46	111.22%	7.08	30.48	35.86	386.39	7.86	7.66	16.88	10.61%	8.12	45.99	0.595	31.655	10.16	2.15	2.41%	14.54	18.71%
MAX	5,996	471.77	8.54%	0.03	0.15	484.74	379.35%	14.4	82.49	91.55	999.25	8.9	9.37	36.69	23.93%	17.78	209.38	5.65	156.72	47.77	3.72	4.02%	38.32	41.45%
MIN	661.2	-29.1	-2.46%	0	0.06	131.53	25.3%	2.27	4.37	6.03	161.78	1.37	4.79	2.74	2.32%	3.55	19.06	0.06	18.6	6.63	0.36	0.4%	2.76	3.33%