Chhimek Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 987.00

NPR -2.8-0.28%

09:14 AM NPT · Nov 6, 2026

Est. 2001 · 2, Devachuli-Kawasoti Rd, Kawasoti, 33000, Nepal · CEO: Deepak Nidhi Tiwari

Chhimek Laghubitta Bikas Bank Limited is one of Nepal’s leading microfinance development banks, dedicated to providing financial services to low-income households, women entrepreneurs, and underserved communities. Established with the aim of promoting financial inclusion, Chhimek has grown into a nationally recognized institution known for its disciplined governance, strong outreach, and impactful community development initiatives. Operated under the regulatory framework of Nepal Rastra Bank, Chhimek Laghubitta offers a wide range of microfinance services, including microcredit loans, savings products, micro-enterprise financing, insurance facilitation, and financial literacy programs. The bank places a strong emphasis on empowering women and marginalized groups by promoting entrepreneurship, income generation, and self-sufficiency. With an extensive branch network across Nepal, Chhimek has built a reputation for high operational efficiency, responsible banking, and strong portfolio quality. Its client-centered approach, robust risk management practices, and commitment to social upliftment have made it one of the most respected microfinance institutions in the country. Chhimek Laghubitta Bikas Bank continues to strengthen Nepal’s microfinance sector by delivering sustainable financial solutions, fostering economic opportunities in rural areas, and contributing significantly to poverty reduction and inclusive economic growth.

www.chhimekbank.org/

Trading

Open

995.00

High

995.00

Low

984.00

Prev Close

989.80

Volume

59,602

Turnover

Rs 58,910,881.1

Txns

Valuation · Q4 FY25/26

EPS Ann.

35.91

EPS TTM

35.91

BVPS

251.06

P/E Ann.

27.49

P/E TTM

27.49

Graham #

450.39

Capital

Mkt Cap

35.7 Arab

Total

3.62 Crore

Public

1.77 Crore

Promoter

1.84 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

60.4

ADX

58.49

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

970.59

SMA 50

954.08

Bands & Channels

BB Width %

7.46%

Volume & Flow

OBV

4,571,240

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

224,401

Shares Bought

Total Sell

224,401

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 47%

Distribution 53%

Accumulators

Quantity

91,407

Amount

90,332,469

Avg Rate

988.24

Rank

Brokers

#56#48#14#57#45

Distributors

Quantity

104,772

Amount

103,303,109

Avg Rate

985.98

Rank

Brokers

#58#64#4

Net Flow Impact:

-13,365units

(Rs. -12,970,641)

Net Flow by Timeframe

CBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 311,935 ]

Buy Side

Total: 140,314

Broker

QTY

AVG

NET

27,972

989.60

+27,542

12.5%

19,670

987.67

+17,183

8.8%

18,094

986.42

+16,544

8.1%

15,383

989.70

+11,906

6.9%

10,288

986.68

+6,005

4.6%

8,034

985.73

+73

3.6%

6,399

986.45

+2,694

2.9%

5,789

988.64

+3,898

2.6%

5,685

986.21

+2,151

2.5%

5,294

987.86

+4,469

2.4%

4,409

986.20

+4,006

2.0%

3,759

986.39

+3,759

1.7%

3,321

986.84

+2,877

1.5%

3,235

986.75

+1,782

1.4%

2,982

991.21

+2,627

1.3%

Sell Side

Total: 171,621

Broker

QTY

AVG

NET

44,226

986.74

-33,644

19.7%

35,382

985.86

-33,332

15.8%

25,164

984.81

-24,713

11.2%

23,842

987.11

-13,072

10.6%

13,294

987.59

-13,019

5.9%

9,111

988.24

-1,771

4.1%

3,850

991.91

-3,739

1.7%

3,237

986.07

-861

1.4%

2,335

987.50

-549

1.0%

2,198

999.28

-543

1.0%

2,185

984.12

-97

1.0%

2,046

990.89

-1,381

0.9%

2,000

975.67

-2,000

0.9%

1,451

990.85

-91

0.7%

1,300

978.52

-1,060

0.6%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Capital & Liabilities
Paid Up Capital	0	3,215,346	2,977,172	0	+8.00%
Reserves and Surplus	0	5,065,494	4,440,472	0	+14.08%
Debentures and Bonds	0	0.00	0.00	0	-
Borrowings	2,830,198	3,023,697	4,301,709	0	-6.40%
Deposits	0	39,428,776	33,727,306	0	+16.90%
Income Tax Liabilities	0	0.00	0.00	0	-
Other Liabilities	913,907	1,036,606	832,961	0	-11.84%
Total Capital & Liabilities	0	51,769,919	46,279,620	0	+11.86%
Assets
Cash and Bank Balance	0	10,006,043	9,502,659	0	+5.30%
Money at Call & Short Notice	0	0.00	0.00	0	-
Investments	0	684,250	781,043	0	-12.39%
Loan and Advances	0	39,785,398	34,903,426	0	+13.99%
Fixed Assets	0	273,025	288,017	0	-5.21%
Non Banking Assets	0	0.00	0.00	0	-
Other Assets	737,534	1,021,203	804,475	0	-27.78%
Total Assets	57,662,221	51,769,919	46,279,620	0	+11.38%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q4

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)	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ACLBSL	817.5	-15.66	-1.88%	0	0.14	180.9	188.13%	7.96	27.79	27.79	336.32	9.04	8.24	12.44	6.01%	5.15	33.54	32.13	4.17	1.68	1.68%	16.48	16.48%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,169.6	-2.34	-0.2%	0.01	0.13	174.67	114%	7.78	32.63	32.63	358.1	8.56	7.25	17.03	8.57%	6.01	32.18	36.47	5.48	2.23	2.23%	19.62	19.62%
ANLB	4,899.3	+30.19	+0.62%	0	0.11	362.38	-	5.73	69.71	69.71	753.91	-	7.65	26.79	10.78%	19.87	103.29	71.8	27.67	3.07	3.07%	19.94	19.94%
AVYAN	1,020	+2.04	+0.2%	0	0.14	158.75	111.65%	8.35	57.04	57.04	451.38	8.37	8.5	27.5	7.41%	6.56	18.27	18.65	5.02	3.86	3.86%	39.92	39.92%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CYCL	1,362	+10.41	+0.77%	0	0.12	357.75	112.53%	6.62	110.66	110.66	943.79	7.91	6.61	33.9	14.04%	3.71	12	13.46	4.07	4.02	4.02%	34.85	34.85%
DDBL	862.5	-4.51	-0.52%	0.02	0.13	226.87	112.67%	5.38	48.15	48.15	495.77	7.76	7.42	26.83	6.49%	3.75	17.65	17.94	4.74	3.48	3.48%	23.1	23.1%
DLBS	1,039	0	0%	0	0.12	150.57	45.18%	11.27	15.72	15.72	230.77	7.98	6.58	7.08	20.52%	8.03	76.91	75.32	5.45	0.82	0.82%	9.82	9.82%
FMDBL	718	+2	+0.28%	0.01	0.06	137.26	123.87%	2.09	14.18	14.18	209.27	1.36	4.04	47.12	2.88%	6.27	60.65	53.67	28.58	3.06	3.06%	10.56	10.56%
FOWAD	900.1	+5.1	+0.57%	0.01	0.13	278.57	115.92%	6.23	52.14	52.14	571.67	7.56	6.59	21.07	16.17%	3.51	18.78	17.51	3.96	2.69	2.69%	19.74	19.74%
GBLBS	641.3	-10.23	-1.57%	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	21.24	6.63	2.61	2.4%	14	12.85%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,127.6	+17.54	+1.58%	0.01	0.14	242.58	270.5%	6.57	61.87	61.87	581.11	8.81	8.56	25.61	8.7%	4.37	17.13	18.4	4.39	3.6	3.6%	27.61	27.61%
GLBSL	1,440	-39.05	-2.64%	0	0.14	169.51	352.61%	9.34	31.11	31.11	344.46	8.49	8.14	13.37	8.09%	10.41	56.7	55.45	7.58	1.87	1.87%	20.28	20.28%
GMFBS	1,039	+9.98	+0.97%	0	0.12	158	105.93%	9.42	28.68	28.68	319.31	8.51	7.16	13.91	13.79%	7.52	41.42	38.95	5.77	1.68	1.68%	17.09	17.09%
HLBSL	870	-8.97	-1.02%	0	0.12	185.53	93.98%	8.71	31.26	31.26	361.24	8.3	7.31	14.98	9.04%	4.69	27.81	28.21	4.17	1.8	1.8%	18.06	18.06%
ILBS	965	+24.91	+2.65%	0	0.13	161.73	120.99%	6.56	36.66	36.66	365.24	8.82	8.07	22.62	12.92%	5.34	23.57	29.05	5.33	2.89	2.89%	23.03	23.03%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,289	+7.94	+0.62%	0.02	0.13	279.95	125.1%	6	61.8	61.8	623.92	7.19	7.21	25.61	5.33%	4.47	20.23	20.58	5.18	3.34	3.34%	24.42	24.42%
JSLBB	923.4	+10.41	+1.14%	0	0.12	175.1	110.76%	7.07	10.7	10.7	205.32	5.31	6.51	6.47	17.14%	5.71	93.36	92.34	6.04	0.75	0.75%	6.42	6.42%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	775.1	+0.08	+0.01%	0	0.13	178.73	114.65%	6.22	27.4	27.4	331.94	8.66	8.3	16.52	9.78%	4.32	28.2	31.39	4.66	2.21	2.21%	15.73	15.73%
LLBS	813.9	+0.89	+0.11%	0	0.13	204.16	194.11%	7.17	24.2	24.2	333.41	9.54	7.1	12.32	11.93%	4.51	38.01	35.99	4.68	1.59	1.59%	13.24	13.24%
MATRI	709.8	+9.18	+1.31%	0	0.12	145.42	114.29%	12.35	45.13	45.13	384.27	7.95	6.32	18.68	26.61%	5.77	18.59	16.37	3.47	2.3	2.3%	27.46	27.46%
MERO	631.9	+2.02	+0.32%	0.01	0.11	149.87	87.82%	8.3	8.47	8.47	169	8.37	5.92	6.22	17.32%	4.47	79.1	72.26	4.92	0.69	0.69%	5.63	5.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
MLBBL	920	0	0%	0	0.12	167.93	237.58%	7.88	20.07	20.07	275.38	7.03	6.92	11.91	9.89%	6.65	55.66	49.48	6.63	1.38	1.38%	11.97	11.97%

AVG	1,133.36	2.36	0.15%	0.01	0.124	206.43	137.03%	7.34	38.88	38.73	415.43	7.79	7.26	19.41	11.29%	6.12	40.58	38.485	7.209	2.35	2.34%	19.04	18.99%
MED	921.7	2.01	0.24%	0	0.13	176.92	114.29%	7.12	31.95	31.95	359.67	8.3	7.23	17.86	9.84%	5.245	30.19	31.76	5.1	2.26	2.26%	18.84	18.84%
MAX	4,899.3	30.19	2.65%	0.02	0.14	362.38	352.61%	12.35	110.66	110.66	943.79	9.54	9.36	47.12	26.61%	19.87	103.29	92.34	28.58	4.02	4.02%	39.92	39.92%
MIN	631.9	-39.05	-2.64%	0	0.06	137.26	25.3%	2.09	8.47	8.47	169	1.36	4.04	6.22	2.88%	3.51	12	13.46	3.47	0.69	0.69%	5.63	5.63%