Chhimek Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 910.70

NPR -0.3-0.03%

09:14 AM NPT · Jun 26, 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

911.00

High

914.00

Low

910.00

Prev Close

911.00

Volume

12,223

Turnover

Rs 11,130,783.5

Txns

Valuation · Q3 FY25/26

EPS Ann.

33.41

EPS TTM

34.99

BVPS

241.93

P/E Ann.

27.26

P/E TTM

26.03

Graham #

426.46

Capital

Mkt Cap

29.28 Arab

Total

3.22 Crore

Public

1.58 Crore

Promoter

1.64 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

39.44

ADX

48.62

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

915.79

SMA 50

913.57

Bands & Channels

BB Width %

2.17%

Volume & Flow

OBV

4,201,746

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

60,583

Shares Bought

Total Sell

60,583

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 53%

Distribution 47%

Accumulators

Quantity

16,578

Amount

15,110,047

Avg Rate

911.45

Rank

Brokers

#44#49#33#38

Distributors

Quantity

14,728

Amount

13,427,133

Avg Rate

911.67

Rank

Brokers

#8#63#41#39

Net Flow Impact:

+1,850units

(Rs. 1,682,914)

Net Flow by Timeframe

CBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 74,476 ]

Buy Side

Total: 40,095

Broker

QTY

AVG

NET

6,357

910.83

+5,022

10.5%

5,231

913.86

+526

8.6%

4,433

912.83

+3,677

7.3%

3,880

910.44

+1,380

6.4%

3,301

910.88

+1,682

5.5%

3,237

910.29

+2,159

5.3%

2,551

912.08

+1,873

4.2%

2,456

910.32

+1,391

4.0%

2,136

912.98

+1,635

3.5%

1,540

914.52

+1,490

2.5%

1,110

912.67

+659

1.8%

1,055

913.03

+701

1.7%

1,000

907.10

+1,000

1.6%

996

910.95

+688

1.6%

812

911.02

+790

1.3%

Sell Side

Total: 34,381

Broker

QTY

AVG

NET

6,778

911.78

-6,766

11.2%

4,164

911.64

-242

6.9%

3,234

910.51

-648

5.3%

2,826

913.48

-1,681

4.7%

2,660

911.00

-2,640

4.4%

2,464

910.04

-2,243

4.1%

1,917

909.24

-879

3.2%

1,730

911.15

-1,508

2.9%

1,478

911.80

-1,440

2.4%

1,430

914.09

-1,274

2.4%

1,246

913.15

-828

2.1%

1,210

910.15

-260

2.0%

1,201

914.98

-1,020

2.0%

1,043

911.13

-354

1.7%

1,000

910.07

-200

1.6%

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	939	-16.04	-1.68%	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	1,070	-14.97	-1.38%	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	5,894	-5.9	-0.1%	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	1,060	+0.11	+0.01%	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	1,432.9	-29.69	-2.03%	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	830	-3.42	-0.41%	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	1,235	-42.15	-3.3%	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	770	-2.01	-0.26%	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	990	-5.98	-0.6%	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	767.6	+0.61	+0.08%	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	1,102	+0.99	+0.09%	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	1,800	-35.05	-1.91%	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	1,226.2	-16.78	-1.35%	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	875	0	0%	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	890.1	-17.89	-1.97%	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	1,261	+4.02	+0.32%	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	1,031	+13.03	+1.28%	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	821	-98.99	-10.76%	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	923	0	0%	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	850	-9.02	-1.05%	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	710.9	-1.07	-0.15%	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	1,167.9	-0.12	-0.01%	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	1,256.66	-12.74	-1.14%	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	1,010.5	-4.66	-0.33%	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	5,894	13.03	1.28%	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	710.9	-98.99	-10.76%	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%