Aarambha Chautari Laghubitta Bittiya Sanstha Limited

MicrofinanceMid Cap

NPR 915.00

NPR 00.00%

06:49 AM NPT · Aug 11, 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

915.00

High

915.00

Low

915.00

Prev Close

915.00

Volume

163

Turnover

Rs 149,145

Txns

Valuation · Q3 FY25/26

EPS Ann.

34.02

EPS TTM

34.53

BVPS

179.21

P/E Ann.

26.90

P/E TTM

26.50

Graham #

370.37

Capital

Mkt Cap

3.36 Arab

Total

36.71 Lakh

Public

14.69 Lakh

Promoter

22.03 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

20.9

ADX

15.22

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

934.37

SMA 50

939.64

Bands & Channels

BB Width %

6.74%

Volume & Flow

OBV

251,415

Flow Analysis

[ Live 2026-08-10 ]

Total Buy

4,201

Shares Bought

Total Sell

4,201

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 35%

Distribution 65%

Accumulators

Quantity

1,166

Amount

1,075,435

Avg Rate

922.33

Rank

#38

Brokers

#59#26#51

Distributors

Quantity

2,212

Amount

2,037,027

Avg Rate

920.90

Rank

#32

Brokers

#49#33

Net Flow Impact:

-1,046units

(Rs. -961,592)

Net Flow by Timeframe

ACLBSL — Broker Breakdown (7D)

15 Buyers14 Sellers

[ Vol: 6,778 ]

Buy Side

Total: 3,271

Broker

QTY

AVG

NET

523

916.24

+522

12.4%

360

933.46

+360

8.6%

350

917.71

+141

8.3%

283

919.43

+270

6.7%

239

918.35

+226

5.7%

225

916.62

+123

5.4%

220

917.35

+220

5.2%

200

920.00

+200

4.8%

151

915.00

+138

3.6%

149

924.27

+149

3.5%

137

918.21

+137

3.3%

121

925.25

+58

2.9%

113

915.61

+111

2.7%

100

920.00

+100

2.4%

100

917.00

+100

2.4%

Sell Side

Total: 3,507

Broker

QTY

AVG

NET

1,447

918.49

-1,302

34.4%

765

925.44

-765

18.2%

615

919.45

-615

14.6%

225

918.22

-145

5.4%

138

921.00

-138

3.3%

100

915.10

-100

2.4%

917.00

-55

1.8%

918.00

-71

1.7%

925.00

-13

0.3%

918.00

-13

0.3%

917.00

-13

0.3%

917.00

-11

0.3%

935.00

-11

0.3%

918.00

-10

0.2%

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	1,100	+10.03	+0.92%	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	5,357	-109.88	-2.01%	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	1,043	-7.99	-0.76%	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	930.9	+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	1,275	-2.94	-0.23%	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	833	-6.97	-0.83%	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	1,160.2	-19.82	-1.68%	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	824	+7.03	+0.86%	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	934	-10.96	-1.16%	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	752.7	+13.67	+1.85%	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	1,067.2	-20.78	-1.91%	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	1,761	-23.92	-1.34%	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	1,188	+13.97	+1.19%	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	884	+14.01	+1.61%	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	872	+7.01	+0.81%	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	1,256	+1	+0.08%	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	0	0%	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	808	+0.08	+0.01%	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	912	+45.99	+5.31%	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	810	+7.86	+0.98%	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	665.1	-6.92	-1.03%	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	1,100	-21.88	-1.95%	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	1,205.14	-5.02	0.04%	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	957	0.04	0.01%	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	5,357	45.99	5.31%	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	665.1	-109.88	-2.01%	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%