Aatmanirbhar Laghubitta Bittiya Sanstha Limited

MicrofinanceMid Cap

NPR 6,005.00

NPR -45-0.74%

09:14 AM NPT · May 14, 2026

Est. Registered under microfinance-license (predecessor NGO licensure in 2060 B.S.; re-registered as microfinance institution later) · Ghorahi Sub-Metropolis-15, Dang, Nepal

Aatmanirbhar Laghubitta Bittiya Sanstha Limited (ANLB) is a Nepal-based microfinance / financial-inclusion institution. Its core mission is to provide micro-loans and other microfinance services to underserved, rural, and low-income households, helping them with income generation, small enterprise financing, and improving livelihoods.The institution’s central office (headquarters) is in Ghorahi Sub-Metropolis-15, Dang district. ANLB operates through a network of branches: sources report it has around 21 branches across districts including Dang, Banke and Bardiya. ANLB is listed on the stock exchange under the symbol “ANLB” with its listing finalized on April 30, 2023. It has a paid-up capital structure as per reporting: the total paid-up value reported at NPR 78,343,300.00. Over recent years, the institution has offered micro-loans, aiming at rural households and micro-enterprises, positioning itself among Nepal’s microfinance institutions that support economic inclusion and grassroots financing. Financially, ANLB has recently returned to profitability after a period of loss: in the latest reported quarter it declared a profit of more than NPR 1.14 crore (after earlier losses).

aatmanirbhar.com.np/

Trading

Open

5,872.00

High

6,044.70

Low

5,870.00

Prev Close

6,050.00

Volume

661

Turnover

Rs 3,894,544

Txns

Valuation · Q2 FY25/26

EPS Ann.

77.90

EPS TTM

85.26

BVPS

428.75

P/E Ann.

77.09

P/E TTM

70.43

Graham #

866.89

Capital

Mkt Cap

4.7 Arab

Total

7.83 Lakh

Public

2.56 Lakh

Promoter

5.28 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

43.04

ADX

25.23

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

6203.12

SMA 50

6357.34

Bands & Channels

BB Width %

11.03%

Volume & Flow

OBV

247,678

Flow Analysis

[ Live 2026-05-14 ]

Total Buy

5,374

Shares Bought

Total Sell

5,374

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 22%

Distribution 78%

Accumulators

Quantity

950

Amount

5,485,185

Avg Rate

5773.88

Rank

#16

Brokers

#25#35#38

Distributors

Quantity

3,364

Amount

19,175,023

Avg Rate

5700.07

Rank

Brokers

#62

Net Flow Impact:

-2,414units

(Rs. -13,689,838)

Net Flow by Timeframe

ANLB — Broker Breakdown (7D)

15 Buyers8 Sellers

[ Vol: 6,946 ]

Buy Side

Total: 2,018

Broker

QTY

AVG

NET

477

5861.75

+447

8.9%

280

5676.76

+259

5.2%

261

5715.99

+86

4.9%

193

5697.60

+183

3.6%

131

5689.37

+131

2.4%

130

5880.43

+48

2.4%

125

5730.84

+80

2.3%

120

5877.50

+107

2.2%

5879.00

+47

1.3%

5625.10

+20

0.9%

5805.10

+49

0.9%

5758.10

+26

0.8%

5600.80

+40

0.7%

5690.67

+30

0.6%

5626.00

+20

0.4%

Sell Side

Total: 4,928

Broker

QTY

AVG

NET

3,364

5700.07

-715

62.6%

549

5798.66

-429

10.2%

500

5878.33

-500

9.3%

384

5983.21

-7

7.2%

5969.01

-8

1.5%

6014.00

-25

0.5%

6005.00

-12

0.2%

6460.00

-11

0.2%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Capital & Liabilities
Paid Up Capital	78,343,280	78,343,280	68,571,800	42,000,000	0.00%
Reserves and Surplus	257,553,080	188,395,150	198,722,480	196,176,000	+36.71%
Debentures and Bonds	0.00	0.00	0.00	0.00	-
Borrowings	17,972,150	107,272,730	154,469,690	121,970,000	-83.25%
Deposits	1,048,947,690	914,351,250	823,368,340	855,075,000	+14.72%
Income Tax Liabilities	37,117,540	39,692,990	19,993,450	37,760,000	-6.49%
Other Liabilities	462,763,580	425,288,430	373,660,550	286,244,000	+8.81%
Total Capital & Liabilities	1,902,697,320	1,753,343,820	1,638,786,310	1,539,225,000	+8.52%
Assets
Cash and Bank Balance	160,355,460	178,681,090	130,370,540	99,171,000	-10.26%
Money at Call & Short Notice	0.00	0.00	0.00	0.00	-
Investments	1,609,792,960	0	0	0	-
Loan and Advances	0.00	1466242700.00	1411231120.00	1359550000.00	-100.00%
Fixed Assets	4,999,770	4,859,500	5,898,860	6,607,000	+2.89%
Non Banking Assets	0.00	0.00	0.00	0.00	-
Other Assets	127,549,140	103,560,520	91,285,780	73,897,000	+23.16%
Total Assets	1,902,697,330	1,753,343,820	1,638,786,300	1,539,225,000	+8.52%

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)%
ACLBSL	952	-2	-0.21%	-	0.13	169.98	213.9%	32.57	33.11	355.85	8.27%	7.44%	5.2%	14.84%	11.3	29.47	0.38	31.23	30.72	17.51	1.98%	2.01%	21%	21.36%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,105.5	-1.88	-0.17%	-	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%
AVYAN	1,120	+15.03	+1.36%	-	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	911.5	-7.54	-0.82%	-	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	1,472	0	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	847	+0.76	+0.09%	-	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	1,323	-5.05	-0.38%	-	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	795.9	+2.93	+0.37%	-	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	1,050	-0.11	-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	771.9	+9.68	+1.27%	-	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	1,111	-5.47	-0.49%	-	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	1,780	0	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	1,327	-5.86	-0.44%	-	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%	-	0.11	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	935	0	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	1,315	+14.95	+1.15%	-	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	1,090	-10.01	-0.91%	-	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	866	-18.76	-2.12%	-	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	954	-5.95	-0.62%	-	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	894	-16.02	-1.76%	-	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	715.1	+0.07	+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	1,180	-12.04	-1.01%	-	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	1,063.9	-2.15	-0.21%	-	0.121	189.41	131.93%	28.74	31.65	357.74	7.53%	7.57%	9.44%	15.39%	12.107	27.777	44.401	27.291	42.41	25.65	1.77%	1.99%	16.25%	18.22%
MED	1,002	-0.99	-0.09%	-	0.13	175	111.28%	29.64	33.79	363.3	8.09%	7.44%	8.94%	15.18%	11.575	35.725	0.405	34.705	31.36	20.49	1.99%	2.08%	16.12%	16.7%
MAX	1,780	15.03	1.36%	-	0.15	278.07	393.94%	61.89	60.15	612.44	8.84%	9.62%	19.54%	35.1%	24.15	98.14	963	95.25	114.06	106.64	3.36%	4.16%	47.92%	43.25%
MIN	715.1	-18.76	-2.12%	-	0.03	119.9	6.57%	-4.71	8.11	158.91	1.42%	4.14%	2.45%	-2.06%	5.57	-317.41	0	-309.55	0	14.76	-0.28%	0.45%	-2.96%	4.65%