Chhimek Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 933.90

NPR +3.9+0.42%

05:24 AM NPT · Aug 11, 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

934.00

High

934.00

Low

933.90

Prev Close

930.00

Volume

Turnover

Rs 65,378

Txns

Valuation · Q3 FY25/26

EPS Ann.

33.41

EPS TTM

34.99

BVPS

241.93

P/E Ann.

27.95

P/E TTM

26.69

Graham #

426.46

Capital

Mkt Cap

30.03 Arab

Total

3.22 Crore

Public

1.58 Crore

Promoter

1.64 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

43.52

ADX

42.6

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

930.94

SMA 50

921.05

Bands & Channels

BB Width %

2.9%

Volume & Flow

OBV

4,166,857

Flow Analysis

[ Live 2026-08-10 ]

Total Buy

35,667

Shares Bought

Total Sell

35,667

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 43%

Distribution 57%

Accumulators

Quantity

11,111

Amount

10,348,696

Avg Rate

931.39

Rank

Brokers

#6#100#51#43

Distributors

Quantity

14,535

Amount

13,533,821

Avg Rate

931.12

Rank

Brokers

#17#38#48#58

Net Flow Impact:

-3,424units

(Rs. -3,185,125)

Net Flow by Timeframe

CBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 48,761 ]

Buy Side

Total: 24,394

Broker

QTY

AVG

NET

3,344

931.24

+3,237

9.4%

100

3,197

930.03

+3,197

9.0%

2,553

932.06

+2,236

7.2%

2,182

929.90

+1,432

6.1%

2,125

933.06

+139

6.0%

2,017

932.95

+1,816

5.7%

1,985

928.65

+1,356

5.6%

1,585

931.97

+1,026

4.4%

1,300

930.15

+1,300

3.6%

1,000

931.04

+997

2.8%

697

931.70

+283

1.9%

695

930.33

+695

1.9%

600

929.77

+453

1.7%

572

932.57

+252

1.6%

542

934.10

+522

1.5%

Sell Side

Total: 24,367

Broker

QTY

AVG

NET

5,194

930.53

-5,129

14.6%

3,658

932.15

-3,170

10.3%

3,144

930.00

-1,272

8.8%

2,539

932.22

-1,766

7.1%

1,601

928.48

-1,084

4.5%

1,110

933.01

-1,045

3.1%

938

929.61

-701

2.6%

921

930.60

-591

2.6%

901

930.07

-776

2.5%

767

934.38

-381

2.1%

756

929.81

-676

2.1%

745

931.26

-745

2.1%

713

930.39

-178

2.0%

690

934.59

-690

1.9%

690

934.57

-491

1.9%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Capital & Liabilities
Paid Up Capital	3,617,264	3,215,346	2,977,172	0	+12.50%
Reserves and Surplus	5,133,861	4,731,044	4,087,740	0	+8.51%
Debentures and Bonds	0.00	0.00	0.00	0	-
Borrowings	2,884,334	3,155,737	3,785,114	0	-8.60%
Deposits	44,699,816	37,635,759	32,917,215	0	+18.77%
Income Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	839,183	1,110,803	995,185	0	-24.45%
Total Capital & Liabilities	57,174,458	49,848,689	44,762,426	0	+14.70%
Assets
Cash and Bank Balance	10,821,284	8,573,046	8,854,805	0	+26.22%
Money at Call & Short Notice	0.00	0.00	0.00	0	-
Investments	1,045,090	495,868	586,481	0	+110.76%
Loan and Advances	44,104,387	39,287,457	33,900,503	0	+12.26%
Fixed Assets	275,997	276,251	282,295	0	-0.09%
Non Banking Assets	0.00	0.00	0.00	0	-
Other Assets	927,699	1,216,068	1,138,343	0	-23.71%
Total Assets	57,174,458	49,848,689	44,762,426	0	+14.70%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q3

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	915	-2.02	-0.22%	0	0.13	179.21	201.13%	8.36	34.02	34.53	373.14	8.74	7.8	15.46	6.87%	7.42	29.3	27.8	8.06	2.08	2.11%	20.84	21.15%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,097	+6.98	+0.64%	0.01	0.13	163.92	113.23%	8.15	29.28	39.86	383.42	8.28	7.29	15.87	9.88%	9.34	39.2	27.75	11.07	2.05	2.79%	19.25	26.22%
ANLB	5,342	-125.2	-2.29%	0.01	0.11	484.74	-	4.49	82.49	91.55	999.25	-	8.2	29.25	11.17%	17.78	78.37	64.88	40.76	3.21	3.57%	19.63	21.79%
AVYAN	1,051	-2	-0.19%	0	0.15	157.84	110.28%	8.3	52.53	56.82	449.21	8.88	8.45	25.67	5.14%	9.83	22.14	19.62	10.11	3.72	4.02%	38.32	41.45%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CYCL	1,278	-2.05	-0.16%	0	0.11	269.54	110.75%	9.28	26.74	43.18	511.73	7.84	6.33	8.72	19.7%	7.73	58.45	33.7	9.07	1	1.62%	9.93	16.05%
DDBL	840	+11.03	+1.33%	0.02	0.13	212.26	111.22%	5.63	44.13	45.7	467.18	7.76	8	25.18	7.52%	5.28	19.06	18.6	8.53	3.27	3.39%	22.63	23.43%
DLBS	1,180	+15.03	+1.29%	0	0.11	148.7	96.63%	11.63	18.29	21.19	266.26	7.92	6.77	8.34	23.62%	11.57	70.54	59.75	10.47	0.95	1.11%	11.75	13.61%
FMDBL	826	+8.99	+1.1%	0.01	0.06	131.53	119.28%	2.27	11.27	13	196.14	1.37	4.79	36.69	4.36%	8.37	73.25	60.68	47.77	2.33	2.69%	8.72	10.06%
FOWAD	950	+5.01	+0.53%	0.01	0.13	239.61	115.98%	7.08	18.15	16.05	294.16	7.34	7.11	7.55	18.91%	6.49	64.23	64.74	8.62	0.95	0.84%	7.36	6.5%
GBLBS	752.7	+13.67	+1.85%	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	1,088	+17.98	+1.68%	0.01	0.14	214.72	277.7%	7.08	45.16	47.07	476.87	8.24	9.37	18.92	8.69%	7.1	25.33	24.01	8.52	2.73	2.85%	22.17	23.11%
GLBSL	1,785	-10.96	-0.61%	0	0.14	168.91	379.35%	9.58	40.62	39.89	389.36	8.59	8.17	17.9	3.41%	14.21	44.31	45.47	14.11	2.45	2.41%	27.36	26.86%
GMFBS	1,205	+30.99	+2.64%	0	0.13	169.51	105.16%	9.23	53.71	52.94	449.35	7.56	8.55	24.17	14.29%	10.85	25.69	24.52	11.04	3.16	3.12%	32.12	31.67%
HLBSL	884	+14.01	+1.61%	0	0.13	178.01	101.94%	8.47	31.68	34.99	374.36	8.76	8.47	15.5	10.04%	6.93	29.2	25.72	8.05	1.96	2.17%	19.36	21.37%
ILBS	840	-25	-2.89%	0	0.12	140.07	113.65%	7.83	20.31	33.95	327.1	8.52	6.89	13.96	23.93%	9.21	47.66	26.98	11.83	1.65	2.77%	14.61	24.44%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,255	0	0%	0.02	0.13	255.24	127.25%	6.32	47.73	57.77	575.99	6.22	7.55	20.19	4.8%	6.83	27.38	22.45	9.83	2.65	3.22%	20.73	25.09%
JSLBB	980	0	0%	0	0.11	170.91	108.22%	6.92	8.09	19.73	275.45	7.3	6.19	5.27	21.45%	8.93	141.53	55.5	13.28	0.59	1.45%	5.12	12.49%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	800.1	-7.84	-0.97%	0	0.13	154.96	111.88%	6.96	4.37	12.22	206.41	8.9	8.88	2.74	14.14%	7.87	209.38	71.28	10.21	0.36	1.03%	2.76	7.74%
LLBS	840	-25.98	-3%	0	0.13	192.91	115.22%	6.79	17.29	6.03	161.78	7.58	7.77	9.2	12.59%	6.74	56.39	156.72	9.23	1.16	0.4%	9.57	3.33%
MATRI	802.1	-8.92	-1.1%	0.01	0.1	132.3	105.65%	14.4	15.11	9.04	164.04	7.86	5.11	7.18	9.55%	9.59	63	99.78	8.04	0.73	0.44%	9.15	5.47%
MERO	662	-10.01	-1.49%	0.01	0.11	151.87	103.74%	7.11	13.33	15.83	232.58	8.53	7.12	10.29	18.84%	6.56	56.04	46.16	10.26	1.16	1.39%	8.95	10.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
MLBBL	1,099	-22.89	-2.04%	0	0.13	199.67	235.28%	5.89	38.36	40.85	428.39	6.98	7.88	22.88	12.03%	8.59	33.55	29.61	13.65	2.89	3.09%	21.88	23.3%

AVG	1,203.27	-5.42	-0.1%	0.01	0.123	200.53	137.56%	7.56	31.48	34.95	386.19	7.68	7.55	16.36	12.09%	8.671	56.07	46.68	13.143	1.98	2.22%	16.65	18.57%
MED	965	-1	-0.08%	0	0.13	174.46	111.88%	7.1	30.48	35.86	378.89	7.92	7.79	15.68	10.61%	8.12	45.99	31.655	10.16	2.07	2.41%	16.93	21.26%
MAX	5,342	30.99	2.64%	0.02	0.15	484.74	379.35%	14.4	82.49	91.55	999.25	8.9	9.37	36.69	23.93%	17.78	209.38	156.72	47.77	3.72	4.02%	38.32	41.45%
MIN	662	-125.2	-3%	0	0.06	131.53	25.3%	2.27	4.37	6.03	161.78	1.37	4.79	2.74	3.41%	3.55	19.06	18.6	6.63	0.36	0.4%	2.76	3.33%