Aarambha Chautari Laghubitta Bittiya Sanstha Limited

MicrofinanceMid Cap

NPR 939.00

NPR -16-1.68%

09:03 AM NPT · Jun 26, 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

945.00

High

952.00

Low

935.00

Prev Close

955.00

Volume

1,611

Turnover

Rs 1,514,017

Txns

0

Valuation · Q3 FY25/26

EPS Ann.

34.02

EPS TTM

34.53

BVPS

179.21

P/E Ann.

27.60

P/E TTM

27.19

Graham #

370.37

Capital

Mkt Cap

3.45 Arab

Total

36.71 Lakh

Public

14.69 Lakh

Promoter

22.03 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

44.23

ADX

14

Overall Score

25
Below Line

Technical Score

Moving Averages

SMA 20

953.66

SMA 50

955.54

Bands & Channels

BB Width %

2.59%

Volume & Flow

OBV

261,224

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

5,358

Shares Bought

Total Sell

5,358

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

50

Participating

ACCUM/DIST

Accumulation 37%

Distribution 63%

Accumulators

2

Quantity

1,681

Amount

1,580,345

Avg Rate

940.12

Rank

#37

Brokers

#8#51

Distributors

4

Quantity

2,847

Amount

2,682,365

Avg Rate

942.17

Rank

#26

Brokers

#45#25#26#58

Net Flow Impact:

-1,166units
(Rs. -1,102,020)

Net Flow by Timeframe

ACLBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 8,748 ]

Buy Side

Total: 4,475

Broker

QTY

AVG

NET

%

8

1,153

938.67

+1,130

21.5%

48

667

958.40

+58

12.4%

51

528

943.28

+505

9.8%

52

375

940.40

+339

7.0%

67

359

953.94

+359

6.7%

3

316

950.00

+316

5.9%

17

240

939.55

+227

4.5%

49

211

936.41

+198

3.9%

60

150

942.00

+150

2.8%

16

100

940.00

+62

1.9%

19

100

943.60

+97

1.9%

33

100

945.00

+86

1.9%

22

65

937.00

+52

1.2%

32

61

931.16

+55

1.1%

72

50

940.20

+50

0.9%

Sell Side

Total: 4,273

Broker

QTY

AVG

NET

%

45

1,260

939.91

-1,150

23.5%

25

590

935.65

-590

11.0%

26

556

947.22

-556

10.4%

58

441

950.98

-310

8.2%

42

335

948.31

-23

6.3%

59

207

942.62

-207

3.9%

57

127

956.48

-127

2.4%

47

115

942.54

-102

2.1%

1

111

951.51

-14

2.1%

14

100

945.05

-80

1.9%

34

100

952.08

-36

1.9%

10

93

949.75

-93

1.7%

38

88

953.05

-88

1.6%

5

80

960.25

-30

1.5%

21

70

962.00

-46

1.3%

Financial Fundamentals

Financial MetricFY25/26 Q3FY24/25 Q3FY23/24 Q3FY22/23 Q3Growth %
Capital & Liabilities
Paid Up Capital367,143367,143367,14300.00%
Reserves and Surplus290,810173,577128,5650+67.54%
Debentures and Bonds0.000.000.000-
Borrowings3,151,2873,131,4392,909,8600+0.63%
Deposits2,179,3841,824,3221,476,1400+19.46%
Income Tax Liabilities0.0026282.677600.350-100.00%
Other Liabilities172,332294,17151,7000-41.42%
Total Capital & Liabilities6,160,9575,816,9354,941,0080+5.91%
Assets
Cash and Bank Balance245,01537,01330,6470+561.97%
Money at Call & Short Notice20,000137,221336,0560-85.42%
Investments597.855077.001000.000-88.22%
Loan and Advances5,706,6255,322,3414,422,7250+7.22%
Fixed Assets40,74831,41735,6220+29.70%
Non Banking Assets0.000.000.000-
Other Assets147,971283,866114,9580-47.87%
Total Assets6,160,9575,816,9354,941,0080+5.91%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q3

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

1,070-14.97-1.38%0.010.13163.92113.23%8.1529.2839.86383.428.287.2915.879.88%9.3439.20.2627.7511.072.052.79%19.2526.22%

ANLB

5,894-5.9-0.1%0.010.11484.74-4.4982.4991.55999.25-8.229.2511.17%17.7878.370.5764.8840.763.213.57%19.6321.79%

AVYAN

1,060+0.11+0.01%00.15157.84110.28%8.352.5356.82449.218.888.4525.675.14%9.8322.140.0619.6210.113.724.02%38.3241.45%

BPW

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

CBBL

910.7-0.27-0.03%0.030.12241.9395.82%5.5333.4134.99436.426.86.6518.452.32%5.0327.3-26.328.962.252.36%14.4715.16%

CYCL

1,432.9-29.69-2.03%00.11269.54110.75%9.2826.7443.18511.737.846.338.7219.7%7.7358.45-33.79.0711.62%9.9316.05%

DDBL

830-3.42-0.41%0.020.13212.26111.22%5.6344.1345.7467.187.76825.187.52%5.2819.060.4518.68.533.273.39%22.6323.43%

DLBS

1,235-42.15-3.3%00.11148.796.63%11.6318.2921.19266.267.926.778.3423.62%11.5770.540.2859.7510.470.951.11%11.7513.61%

FMDBL

770-2.01-0.26%0.010.06131.53119.28%2.2711.2713196.141.374.7936.694.36%8.3773.251.1560.6847.772.332.69%8.7210.06%

FOWAD

990-5.98-0.6%0.010.13239.61115.98%7.0818.1516.05294.167.347.117.5518.91%6.4964.230.1664.748.620.950.84%7.366.5%

GBLBS

767.6+0.61+0.08%0.010.14295.1825.3%4.494036.73493.918.139.3618.984.94%3.5519.63121.246.632.612.4%1412.85%

GGBSL

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

GILB

1,102+0.99+0.09%0.010.14214.72277.7%7.0845.1647.07476.878.249.3718.928.69%7.125.330.6324.018.522.732.85%22.1723.11%

GLBSL

1,800-35.05-1.91%00.14168.91379.35%9.5840.6239.89389.368.598.1717.93.41%14.2144.311.4845.4714.112.452.41%27.3626.86%

GMFBS

1,226.2-16.78-1.35%00.13169.51105.16%9.2353.7152.94449.357.568.5524.1714.29%10.8525.690.1524.5211.043.163.12%32.1231.67%

HLBSL

87500%00.13178.01101.94%8.4731.6834.99374.368.768.4715.510.04%6.9329.20.6825.728.051.962.17%19.3621.37%

ILBS

890.1-17.89-1.97%00.12140.07113.65%7.8320.3133.95327.18.526.8913.9623.93%9.2147.66-26.9811.831.652.77%14.6124.44%

JALPA

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

JBLB

1,261+4.02+0.32%0.020.13255.24127.25%6.3247.7357.77575.996.227.5520.194.8%6.8327.380.522.459.832.653.22%20.7325.09%

JSLBB

1,031+13.03+1.28%00.11170.91108.22%6.928.0919.73275.457.36.195.2721.45%8.93141.530.6255.513.280.591.45%5.1212.49%

KLBS

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

KLBSL

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

KMCDB

821-98.99-10.76%00.13154.96111.88%6.964.3712.22206.418.98.882.7414.14%7.87209.38-71.2810.210.361.03%2.767.74%

LLBS

92300%00.13192.91115.22%6.7917.296.03161.787.587.779.212.59%6.7456.393.91156.729.231.160.4%9.573.33%

MATRI

850-9.02-1.05%0.010.1132.3105.65%14.415.119.04164.047.865.117.189.55%9.59630.2399.788.040.730.44%9.155.47%

MERO

710.9-1.07-0.15%0.010.11151.87103.74%7.1113.3315.83232.588.537.1210.2918.84%6.5656.045.6546.1610.261.161.39%8.9510.63%

MKLB

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

MLBBL

1,167.9-0.12-0.01%00.13199.67235.28%5.8938.3640.85428.396.987.8822.8812.03%8.5933.555.3429.6113.652.893.09%21.8823.3%
AVG1,255.38-12.02-1.07%0.010.122203.38132.55%7.4331.4634.97389.067.597.516.511.88%8.56355.981.28446.61313.1841.992.23%16.3618.3%
MED1,010.5-2.71-0.21%00.13174.46111.22%7.0830.4835.86386.397.867.6616.8810.61%8.1245.990.59531.65510.162.152.41%14.5418.71%
MAX5,89413.031.28%0.030.15484.74379.35%14.482.4991.55999.258.99.3736.6923.93%17.78209.385.65156.7247.773.724.02%38.3241.45%
MIN710.9-98.99-10.76%00.06131.5325.3%2.274.376.03161.781.374.792.742.32%3.5519.060.0618.66.630.360.4%2.763.33%

30

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum