Aarambha Chautari Laghubitta Bittiya Sanstha Limited

MicrofinanceMid Cap

NPR 959.50

NPR +9.5+1.00%

09:14 AM NPT · May 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

977.00

High

977.00

Low

941.30

Prev Close

950.00

Volume

748

Turnover

Rs 715,511

Txns

Valuation · Q2 FY25/26

EPS Ann.

32.57

EPS TTM

33.11

BVPS

169.98

P/E Ann.

29.46

P/E TTM

28.98

Graham #

352.94

Capital

Mkt Cap

3.52 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

Very Strong

Momentum

RSI (14)

43.4

ADX

44.19

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

966.2

SMA 50

989.96

Bands & Channels

BB Width %

7.66%

Volume & Flow

OBV

261,003

Flow Analysis

[ Live 2026-05-11 ]

Total Buy

4,149

Shares Bought

Total Sell

4,149

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

Quantity

1,279

Amount

1,207,157

Avg Rate

943.83

Rank

#43

Brokers

#42#57

Distributors

Quantity

1,481

Amount

1,392,300

Avg Rate

940.11

Rank

#42

Brokers

#16#43

Net Flow Impact:

-202units

(Rs. -185,144)

Net Flow by Timeframe

ACLBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 6,878 ]

Buy Side

Total: 3,311

Broker

QTY

AVG

NET

665

946.81

+512

16.0%

660

947.59

+634

15.9%

619

939.82

+585

14.9%

381

946.26

+231

9.2%

176

948.52

+103

4.2%

150

922.00

+150

3.6%

127

937.29

+127

3.1%

113

924.31

+100

2.7%

970.00

+75

2.4%

922.00

+95

2.3%

950.10

+60

1.4%

930.62

+48

1.2%

961.00

+40

1.0%

938.75

1.0%

939.00

+39

0.9%

Sell Side

Total: 3,567

Broker

QTY

AVG

NET

981

949.15

-981

23.6%

500

922.36

-498

12.1%

391

941.53

-11

9.4%

371

944.78

-318

8.9%

240

939.23

-170

5.8%

200

949.00

-70

4.8%

200

941.14

-200

4.8%

152

940.92

-152

3.7%

147

956.26

-147

3.5%

111

940.14

-51

2.7%

109

948.93

-109

2.6%

948.12

-63

1.8%

944.07

-37

1.0%

940.50

-26

0.6%

939.55

-2

0.6%

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	1,118.7	+8.66	+0.78%	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	6,460	+410.18	+6.78%	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	1,149	+26.05	+2.32%	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	923	+23.04	+2.56%	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	1,500	+29.99	+2.04%	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	863	+15.01	+1.77%	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	1,300	-18.99	-1.44%	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	919	+114.2	+14.19%	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	1,098	-1.98	-0.18%	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	783	+12.03	+1.56%	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	1,116.1	-1.9	-0.17%	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	1,844.7	+24.75	+1.36%	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	1,337	+14.94	+1.13%	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	907	+7.2	+0.8%	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	949.9	+4.91	+0.52%	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	1,320	+11	+0.84%	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	1,120	+0.11	+0.01%	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	879	-6.82	-0.77%	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	951	-13.01	-1.35%	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	919.5	+19.53	+2.17%	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	735	+10	+1.38%	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	1,218	+18	+1.5%	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	1,336.86	32.13	1.72%	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	1,107.05	11.51	1.25%	0.01	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	6,460	410.18	14.19%	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	735	-18.99	-1.44%	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%