Chhimek Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 956.80

NPR +7.8+0.82%

09:13 AM NPT · Sep 24, 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

955.00

High

960.00

Low

950.00

Prev Close

949.00

Volume

9,786

Turnover

Rs 9,350,940.8

Txns

110

Valuation · Q4 FY25/26

EPS Ann.

35.91

EPS TTM

35.91

BVPS

251.06

P/E Ann.

26.64

P/E TTM

26.64

Graham #

450.39

Capital

Mkt Cap

30.76 Arab

Total

3.22 Crore

Public

1.58 Crore

Promoter

1.64 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

67.46

ADX

34.05

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

943.31

SMA 50

936.22

Bands & Channels

BB Width %

5.06%

Volume & Flow

OBV

4,399,784

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

102,594

Shares Bought

Total Sell

102,594

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 40%

Distribution 60%

Accumulators

Quantity

40,467

Amount

38,581,276

Avg Rate

953.40

Rank

Brokers

#71#48#44#14#4

Distributors

Quantity

61,953

Amount

58,983,948

Avg Rate

952.08

Rank

Brokers

#91#49#33

Net Flow Impact:

-21,486units

(Rs. -20,402,671)

Net Flow by Timeframe

CBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 154,372 ]

Buy Side

Total: 73,696

Broker

QTY

AVG

NET

16,113

954.87

+16,113

15.7%

7,466

958.87

+5,638

7.3%

5,690

941.35

+4,608

5.5%

5,657

954.72

+5,404

5.5%

5,541

952.78

+4,967

5.4%

4,759

955.33

+3,343

4.6%

4,428

956.38

+2,415

4.3%

4,101

957.33

+2,968

4.0%

3,858

958.31

+3,551

3.8%

3,539

953.72

+2,074

3.5%

3,263

957.27

+2,745

3.2%

2,633

951.75

+1,381

2.6%

2,415

955.19

+384

2.4%

2,212

950.32

+1,662

2.2%

2,021

956.67

+2,010

2.0%

Sell Side

Total: 80,676

Broker

QTY

AVG

NET

41,254

948.81

-41,254

40.2%

13,357

959.75

-11,798

13.0%

7,342

956.48

-7,212

7.2%

2,419

960.09

-2,001

2.4%

2,000

961.10

-2,000

1.9%

1,844

956.90

-1,692

1.8%

1,771

957.47

-1,171

1.7%

1,600

955.62

-1,600

1.6%

1,574

959.35

-1,259

1.5%

1,544

960.06

-1,234

1.5%

1,525

961.85

-1,525

1.5%

1,355

960.64

-1,355

1.3%

1,289

955.06

-962

1.3%

985

958.61

-840

1.0%

817

959.17

-124

0.8%

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	877	-0.97	-0.11%	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	1,174.4	-19.58	-1.64%	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	4,987	+48.89	+0.99%	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	1,060	+0.95	+0.09%	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	1,630	+99.05	+6.47%	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	861	+4.97	+0.58%	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	1,205.1	-136.73	-10.19%	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	759.5	+9.52	+1.27%	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	+6.97	+0.78%	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	692	-0.48	-0.07%	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	1,139.5	+11.39	+1.01%	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	1,700	-9.92	-0.58%	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	1,124	+23.98	+2.18%	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	869	+3.81	+0.44%	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	950	-18	-1.86%	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	1,278.8	+3.7	+0.29%	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	969	-0.97	-0.1%	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	828	+17.98	+2.22%	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	860	+5.98	+0.7%	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	727.1	-21.79	-2.91%	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	607	+3.02	+0.5%	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	978.9	+9.88	+1.02%	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	1,189.88	1.89	0.05%	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	959.5	3.75	0.47%	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	4,987	99.05	6.47%	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	607	-136.73	-10.19%	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%