Chhimek Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 967.00

NPR +5+0.52%

09:14 AM NPT · Oct 14, 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

964.00

High

974.00

Low

963.20

Prev Close

962.00

Volume

8,925

Turnover

Rs 8,640,110.8

Txns

Valuation · Q4 FY25/26

EPS Ann.

35.91

EPS TTM

35.91

BVPS

251.06

P/E Ann.

26.93

P/E TTM

26.93

Graham #

450.39

Capital

Mkt Cap

31.09 Arab

Total

3.22 Crore

Public

1.58 Crore

Promoter

1.64 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

67.36

ADX

31.87

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

952.19

SMA 50

941.63

Bands & Channels

BB Width %

2.85%

Volume & Flow

OBV

4,440,580

Flow Analysis

[ Live 2026-10-14 ]

Total Buy

82,196

Shares Bought

Total Sell

82,196

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 53%

Distribution 47%

Accumulators

Quantity

43,295

Amount

41,346,073

Avg Rate

954.98

Rank

Brokers

#38#58#4#17

Distributors

Quantity

38,459

Amount

36,634,501

Avg Rate

952.56

Rank

Brokers

#39#48#20#66

Net Flow Impact:

+4,836units

(Rs. 4,711,572)

Net Flow by Timeframe

CBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 123,588 ]

Buy Side

Total: 67,034

Broker

QTY

AVG

NET

16,235

955.83

+9,816

19.8%

14,994

954.96

+12,713

18.2%

7,235

956.76

+6,306

8.8%

4,831

949.57

+4,145

5.9%

3,439

952.71

+1,229

4.2%

3,272

963.42

+3,261

4.0%

100

3,094

945.00

+3,094

3.8%

2,610

947.16

+2,610

3.2%

2,595

946.12

+719

3.2%

2,195

949.01

+1,842

2.7%

2,125

949.53

+2,040

2.6%

1,248

949.71

+671

1.5%

1,225

949.59

+1,225

1.5%

1,015

947.34

+815

1.2%

921

947.61

+541

1.1%

Sell Side

Total: 56,554

Broker

QTY

AVG

NET

20,884

955.56

-20,232

25.4%

9,175

946.19

-8,842

11.2%

5,400

955.90

-5,400

6.6%

3,000

945.11

-2,989

3.6%

2,815

955.93

-1,209

3.4%

2,195

950.74

-1,124

2.7%

1,985

948.97

-790

2.4%

1,548

957.62

-1,081

1.9%

1,507

954.41

-1,307

1.8%

1,497

959.33

-1,497

1.8%

1,447

957.61

-1,258

1.8%

1,322

954.17

-1,261

1.6%

1,321

954.92

-1,241

1.6%

1,263

955.38

-391

1.5%

1,195

952.42

-778

1.4%

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	846	-5.96	-0.7%	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	1,185	+19.92	+1.71%	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	4,847.9	+74	+1.55%	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	1,016.1	+3.14	+0.31%	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	1,483	+4.44	+0.3%	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	864	+11	+1.29%	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	1,095	-1.97	-0.18%	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	716	-10.98	-1.51%	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	893.8	+11.82	+1.34%	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	650	0	0%	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	1,096.5	+0.55	+0.05%	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	1,528	+30.25	+2.02%	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	1,066	+26	+2.5%	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	873	+12.99	+1.51%	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	900	0	0%	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	1,274	+13.99	+1.11%	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	928	-6.92	-0.74%	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	792.9	+4.02	+0.51%	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	807	-7.99	-0.98%	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	704	+2.67	+0.38%	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	584	+9.03	+1.57%	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	929.9	+5.91	+0.64%	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	1,140	8.9	0.58%	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	914	4.23	0.45%	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	4,847.9	74	2.5%	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	584	-10.98	-1.51%	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%