Aarambha Chautari Laghubitta Bittiya Sanstha Limited

MicrofinanceMid Cap

NPR 949.90

NPR -2.1-0.22%

09:14 AM NPT · May 15, 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

925.00

High

950.00

Low

925.00

Prev Close

952.00

Volume

1,225

Turnover

Rs 1,143,527.3

Txns

Valuation · Q2 FY25/26

EPS Ann.

32.57

EPS TTM

33.11

BVPS

169.98

P/E Ann.

29.16

P/E TTM

28.69

Graham #

352.94

Capital

Mkt Cap

3.49 Arab

Total

36.71 Lakh

Public

14.69 Lakh

Promoter

22.03 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

39.4

ADX

48.93

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

958.25

SMA 50

988.18

Bands & Channels

BB Width %

5.46%

Volume & Flow

OBV

259,486

Flow Analysis

[ Live 2026-05-15 ]

Total Buy

4,215

Shares Bought

Total Sell

4,215

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 39%

Distribution 61%

Accumulators

Quantity

1,097

Amount

1,037,178

Avg Rate

945.47

Rank

#42

Brokers

#58#17#45

Distributors

Quantity

1,701

Amount

1,591,638

Avg Rate

935.71

Rank

#40

Brokers

#66#38

Net Flow Impact:

-604units

(Rs. -554,460)

Net Flow by Timeframe

ACLBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 6,459 ]

Buy Side

Total: 2,902

Broker

QTY

AVG

NET

445

948.13

+232

10.6%

393

950.69

+266

9.3%

269

947.04

+223

6.4%

259

932.97

+246

6.1%

216

942.94

+166

5.1%

213

946.18

+140

5.0%

200

945.80

+200

4.7%

150

948.29

+150

3.6%

150

953.96

+107

3.6%

140

957.00

+129

3.3%

137

943.18

+137

3.3%

108

965.94

+108

2.6%

933.83

+82

1.9%

940.89

+58

1.7%

950.09

+70

1.7%

Sell Side

Total: 3,557

Broker

QTY

AVG

NET

1,000

950.37

-270

23.7%

994

930.87

-994

23.6%

707

942.50

-681

16.8%

213

950.36

-159

5.0%

153

959.13

-153

3.6%

116

956.98

-116

2.8%

103

959.46

-103

2.4%

950.08

-42

1.7%

949.38

-42

1.7%

955.00

-26

0.6%

955.00

-26

0.6%

945.00

-26

0.6%

960.45

-2

0.5%

960.00

-13

0.3%

940.00

-13

0.3%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Capital & Liabilities
Paid Up Capital	367,143,409	367,143,409	367,143,409	367,143,410	0.00%
Reserves and Surplus	256,934,505	146,550,635	162,976,491	127,646,360	+75.32%
Debentures and Bonds	0.00	0.00	0.00	0.00	-
Borrowings	3,634,999,283	2,944,489,216	2,921,956,807	3,041,822,500	+23.45%
Deposits	2,129,701,233	1,772,848,449	1,481,453,184	1,660,708,100	+20.13%
Income Tax Liabilities	0.00	13994879.00	5353686.00	8842990.00	-100.00%
Other Liabilities	123,058,834	310,943,427	72,464,969	97,764,580	-60.42%
Total Capital & Liabilities	6,511,837,264	5,555,970,015	5,011,348,547	5,303,927,930	+17.20%
Assets
Cash and Bank Balance	458,531,099	36,629,255	32,608,106	192,875,190	+1151.82%
Money at Call & Short Notice	20,000,000	388,482,652	141,576,725	0	-94.85%
Investments	597,846	1,000,000	1,000,000	1,000,000	-40.22%
Loan and Advances	5,890,407,253	4,799,218,951	4,688,701,570	5,051,895,760	+22.74%
Fixed Assets	10,713,809	31,703,994	38,586,565	21,496,130	-66.21%
Non Banking Assets	0.00	0.00	0.00	0.00	-
Other Assets	131,587,257	298,935,162	108,875,581	36,660,850	-55.98%
Total Assets	6,511,837,264	5,555,970,015	5,011,348,547	5,303,927,930	+17.20%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,100	-5.53	-0.5%	0.01	0.13	158.08	6.57%	31.29	38.77	371.35	8.4%	7.16%	10.15%	17.5%	14.95	37.78	0.09	35.6	28.73	26.45	2.24%	2.79%	21.34%	26.44%
ANLB	6,020	+15.01	+0.25%	0.01	0.12	428.75	0%	77.9	85.26	906.91	0%	-	11.81%	27.93%	28.45	78.31	0.31	80.87	73.89	87.5	3.32%	3.65%	20.24%	22.16%
AVYAN	1,129	+8.96	+0.8%	0	0.03	149.39	109.7%	61.89	55.85	433.27	8.34%	8.86%	4.15%	29.02%	12.66	15.29	0.01	15.51	17.19	17.75	0.9%	0.81%	47.92%	43.25%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	907	-4.47	-0.49%	0.03	0.13	233.66	94.92%	31.85	35.31	430.86	5.51%	6.96%	2.45%	17.74%	7.89	28.95	963	28.89	26.05	20.54	2.22%	2.46%	14.32%	15.87%
CYCL	1,466.1	-5.89	-0.4%	0	0.12	268.72	111.75%	27.99	41.89	503.26	7.91%	6.38%	18.48%	9.02%	11.24	53.96	0	55.09	36.81	19.47	1.06%	1.61%	10.74%	16.09%
DDBL	844.5	-2.54	-0.3%	0.02	0.14	221.13	115.62%	47.41	47.55	486.4	7.83%	8.32%	8.43%	24.37%	7.42	17.3	0.27	17.51	17.46	16.87	3.36%	3.37%	23.26%	23.33%
DLBS	1,315	-7.94	-0.6%	0	0.12	179.13	94.98%	18.38	19.05	277.09	7.67%	7.44%	9.83%	7.8%	14.52	70.73	0.15	71.27	68.77	22.09	0.94%	0.98%	10.82%	11.23%
FMDBL	796	+0.08	+0.01%	0.01	0.06	128.31	114.74%	10.47	11.14	179.33	1.42%	4.14%	4.52%	35.1%	12.39	75.93	2.15	74.4	69.93	106.64	2.12%	2.27%	8.24%	8.78%
FOWAD	1,059	+9.03	+0.86%	0.01	0.13	234.69	112.57%	31.98	20.71	330.7	7.31%	7.3%	8.92%	13.3%	9.12	33.46	0.02	32.86	50.75	17.8	1.7%	1.1%	13.14%	8.51%
GBLBS	773	+1.08	+0.14%	0.01	0.14	278.07	26.68%	43.75	34.76	466.35	8.84%	9.62%	4.76%	20.85%	5.57	17.69	1.06	17.21	21.66	14.76	2.94%	2.34%	15.96%	12.68%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,120	+9	+0.81%	0.01	0.15	197.29	282.59%	32.67	34.47	391.17	8.43%	9.46%	8.96%	13.69%	11.67	35.23	0	33.76	32	19.3	2.02%	2.14%	16.8%	17.73%
GLBSL	1,790	+9.97	+0.56%	0	0.14	159.33	393.94%	40.22	38.34	370.74	8.44%	8.32%	3.13%	17.81%	24.15	47.84	0.9	41.57	0	34.09	2.5%	2.38%	28.82%	27.47%
GMFBS	1,334.6	+7.56	+0.57%	0	0.14	185.26	107.54%	-4.71	17.54	270.39	8.32%	8.86%	14.37%	-2.06%	16.14	-317.41	0	-309.55	83.12	26.18	-0.28%	1.07%	-2.96%	11.05%
HLBSL	890	0	0%	0	0.11	167.35	95.52%	26.24	32.38	349.17	8.6%	7.9%	8.58%	13.2%	10.68	34.05	0.57	34.49	27.95	17.99	1.48%	1.82%	16.98%	20.97%
ILBS	922.5	-12.53	-1.34%	0	0.13	136.88	119.88%	24.07	49.91	392.06	8.31%	7.38%	17.85%	15.51%	14.52	41.3	0.24	39.05	18.83	25.63	2%	4.16%	18.84%	39.06%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,305	-9.99	-0.76%	0.02	0.13	277.15	124.79%	50.65	60.15	612.44	5.85%	7.32%	5.98%	19.57%	9.54	26.1	0.39	25.94	21.84	20.44	2.56%	3.05%	20.08%	23.85%
JSLBB	1,102	+11.99	+1.1%	0	0.11	170.87	107.57%	11.8	19.17	271.48	7.6%	6.12%	9.15%	7.55%	13.55	98.14	0.42	95.25	58.63	29.66	0.86%	1.4%	7.44%	12.11%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	872	+5.98	+0.69%	0	0.14	164.7	112.75%	26.09	27.74	320.62	8.67%	8.82%	11.42%	16.43%	11.48	36.22	1.33	34.92	32.84	23.81	2.3%	2.45%	16.28%	17.31%
LLBS	966	+12.02	+1.26%	0	0.12	187.67	107.03%	15.31	8.11	185.05	6.19%	7.64%	13.04%	8.25%	9.88	60.55	0.66	60.42	114.06	19.99	0.98%	0.52%	8.78%	4.65%
MATRI	895	+0.98	+0.11%	0.01	0.1	119.9	102.58%	11.25	9.36	158.91	7.28%	4.96%	10.48%	5.5%	16.35	87.11	0.6	85.78	103.1	19.18	0.54%	0.45%	7%	5.84%
MERO	710	-5.08	-0.71%	0.01	0.12	155.78	110.81%	13.88	16.56	240.92	8.6%	7.38%	19.54%	10.28%	9.53	53.46	3.4	51.59	43.24	21.99	1.24%	1.48%	9.08%	10.84%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
MLBBL	1,199	+19	+1.61%	0	0.14	223.65	235.93%	47.22	44.45	472.95	7.86%	8.78%	8.39%	23.4%	11.8	27.95	1.18	27.61	29.33	26.17	3.24%	3.05%	23.7%	22.32%

AVG	1,296.17	2.58	0.17%	0.01	0.12	201.17	122.2%	30.8	34.02	382.79	7.15%	7.58%	9.75%	15.99%	12.886	29.997	44.398	29.547	44.372	28.832	1.83%	2.06%	16.22%	18.25%
MED	1,079.5	1.03	0.13%	0	0.13	182.2	110.26%	29.64	34.61	371.05	7.89%	7.44%	9.06%	15.97%	11.735	37	0.405	35.26	32.42	21.265	2.01%	2.21%	16.12%	16.7%
MAX	6,020	19	1.61%	0.03	0.15	428.75	393.94%	77.9	85.26	906.91	8.84%	9.62%	19.54%	35.1%	28.45	98.14	963	95.25	114.06	106.64	3.36%	4.16%	47.92%	43.25%
MIN	710	-12.53	-1.34%	0	0.03	119.9	0%	-4.71	8.11	158.91	0%	4.14%	2.45%	-2.06%	5.57	-317.41	0	-309.55	0	14.76	-0.28%	0.45%	-2.96%	4.65%