Dhaulagiri Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,323.00

NPR -5-0.38%

09:07 AM NPT · May 14, 2026

Est. July 3, 2018 · Baglung Municipality-2, Shreenagar Tole, Baglung, Nepal · CEO: Min Bahadur Bohara

Microfinance refers to providing very small loans (microcredit) to low-income and disadvantaged families, enabling them to start or expand small income-generating activities. Over the years, microfinance programs have proven highly effective in delivering financial services to poor households who lack access to the formal banking system. DCRDC has placed strong emphasis on offering savings and credit services, complemented by a range of community development initiatives such as the Improved Cooking Stove (ICS) program, SSMP activities, and Livelihood Improvement Programs. These efforts are designed to empower marginalized communities, support sustainable income growth, and enhance overall wellbeing. In addition to financial services, DCRDC invests in capacity-building and entrepreneurship development. The institution has organized various training programs for its clients in partnership with the Micro Enterprise Development Program (MEDP), Myagdi, with support from the UNDP. These training programs help clients develop practical business skills, improve financial literacy, and pursue self-employment opportunities. Through this integrated approach, DCRDC continues to strengthen economic resilience, promote financial inclusion, and support the socioeconomic upliftment of underserved communities.

dhaulagiribank.com/facebook

Trading

Open

1,290.00

High

1,323.00

Low

1,288.00

Prev Close

1,328.00

Volume

483

Turnover

Rs 622,128

Txns

Valuation · Q2 FY25/26

EPS Ann.

18.38

EPS TTM

19.05

BVPS

179.13

P/E Ann.

71.98

P/E TTM

69.45

Graham #

272.17

Capital

Mkt Cap

1.76 Arab

Total

13.31 Lakh

Public

4.26 Lakh

Promoter

9.05 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

52.7

ADX

47.43

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

1312.52

SMA 50

1333.05

Bands & Channels

BB Width %

14.39%

Volume & Flow

OBV

143,779

Flow Analysis

[ Live 2026-05-14 ]

Total Buy

9,111

Shares Bought

Total Sell

9,111

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 53%

Distribution 47%

Accumulators

Quantity

2,812

Amount

3,707,613

Avg Rate

1318.50

Rank

#21

Brokers

#42#6#53

Distributors

Quantity

2,475

Amount

3,258,167

Avg Rate

1316.43

Rank

#28

Brokers

#13#35#34

Net Flow Impact:

+337units

(Rs. 449,446)

Net Flow by Timeframe

DLBS — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 12,807 ]

Buy Side

Total: 4,929

Broker

QTY

AVG

NET

1,500

1327.43

+1,236

16.5%

892

1309.26

+852

9.8%

420

1306.23

+420

4.6%

300

1318.48

+250

3.3%

273

1325.42

+273

3.0%

265

1299.25

+21

2.9%

248

1302.68

+138

2.7%

230

1279.74

+190

2.5%

152

1290.34

+142

1.7%

148

1308.91

+148

1.6%

107

1272.52

+97

1.2%

100

1310.00

+100

1.1%

100

1320.00

+100

1.1%

100

1306.55

+100

1.1%

1281.73

+52

1.0%

Sell Side

Total: 7,878

Broker

QTY

AVG

NET

2,673

1312.05

-393

29.3%

1,145

1322.52

-585

12.6%

909

1315.93

-849

10.0%

857

1322.29

-54

9.4%

421

1300.95

-421

4.6%

356

1302.66

-326

3.9%

340

1319.94

-340

3.7%

300

1327.18

-278

3.3%

232

1327.84

-222

2.5%

210

1309.43

-210

2.3%

105

1323.24

-85

1.1%

103

1336.81

-103

1.1%

1323.90

-96

1.1%

1320.81

-68

0.8%

1309.04

-63

0.7%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Capital & Liabilities
Paid Up Capital	133,100,000	133,100,000	133,100,000	103,100,000	0.00%
Reserves and Surplus	105,316,074	80,023,861	50,227,671	64,750,000	+31.61%
Debentures and Bonds	0.00	0.00	0.00	0.00	-
Borrowings	1,193,461,940	1,377,422,770	1,065,418,086	549,606,000	-13.36%
Deposits	907,430,051	812,291,643	721,363,374	686,276,000	+11.71%
Income Tax Liabilities	5,608,762	0	0	0	-
Other Liabilities	149,937,359	273,059,770	257,257,371	204,184,000	-45.09%
Total Capital & Liabilities	2,494,854,185	2,675,898,044	2,227,366,503	1,607,916,000	-6.77%
Assets
Cash and Bank Balance	200,989,990	339,912,893	150,140,588	112,207,000	-40.87%
Money at Call & Short Notice	0.00	0.00	0.00	0.00	-
Investments	0.00	0.00	0.00	0.00	-
Loan and Advances	2,212,036,760	2,164,156,094	1,923,017,322	1,420,386,000	+2.21%
Fixed Assets	44,304,950	44,294,564	42,355,296	11,427,000	+0.02%
Non Banking Assets	0.00	0.00	0.00	0.00	-
Other Assets	37,522,485	127,534,494	111,853,299	63,897,000	-70.58%
Total Assets	2,494,854,185	2,675,898,045	2,227,366,503	1,607,917,000	-6.77%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
ACLBSL	952	-2	-0.21%	-	0.13	169.98	213.9%	32.57	33.11	355.85	8.27%	7.44%	5.2%	14.84%	11.3	29.47	0.38	31.23	30.72	17.51	1.98%	2.01%	21%	21.36%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,105.5	-1.88	-0.17%	-	0.13	158.08	6.57%	31.29	38.77	371.35	8.4%	7.16%	10.15%	17.5%	14.95	37.78	0.09	35.6	28.73	26.45	2.24%	2.79%	21.34%	26.44%
ANLB	6,005	-44.77	-0.74%	-	0.12	428.75	0%	77.9	85.26	906.91	0%	-	11.81%	27.93%	28.45	78.31	0.31	80.87	73.89	87.5	3.32%	3.65%	20.24%	22.16%
AVYAN	1,120	+15.03	+1.36%	-	0.03	149.39	109.7%	61.89	55.85	433.27	8.34%	8.86%	4.15%	29.02%	12.66	15.29	0.01	15.51	17.19	17.75	0.9%	0.81%	47.92%	43.25%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	911.5	-7.54	-0.82%	-	0.13	233.66	94.92%	31.85	35.31	430.86	5.51%	6.96%	2.45%	17.74%	7.89	28.95	963	28.89	26.05	20.54	2.22%	2.46%	14.32%	15.87%
CYCL	1,472	0	0%	-	0.12	268.72	111.75%	27.99	41.89	503.26	7.91%	6.38%	18.48%	9.02%	11.24	53.96	0	55.09	36.81	19.47	1.06%	1.61%	10.74%	16.09%
DDBL	847	+0.76	+0.09%	-	0.14	221.13	115.62%	47.41	47.55	486.4	7.83%	8.32%	8.43%	24.37%	7.42	17.3	0.27	17.51	17.46	16.87	3.36%	3.37%	23.26%	23.33%
FMDBL	795.9	+2.93	+0.37%	-	0.06	128.31	114.74%	10.47	11.14	179.33	1.42%	4.14%	4.52%	35.1%	12.39	75.93	2.15	74.4	69.93	106.64	2.12%	2.27%	8.24%	8.78%
FOWAD	1,050	-0.11	-0.01%	-	0.13	234.69	112.57%	31.98	20.71	330.7	7.31%	7.3%	8.92%	13.3%	9.12	33.46	0.02	32.86	50.75	17.8	1.7%	1.1%	13.14%	8.51%
GBLBS	771.9	+9.68	+1.27%	-	0.14	278.07	26.68%	43.75	34.76	466.35	8.84%	9.62%	4.76%	20.85%	5.57	17.69	1.06	17.21	21.66	14.76	2.94%	2.34%	15.96%	12.68%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,111	-5.47	-0.49%	-	0.15	197.29	282.59%	32.67	34.47	391.17	8.43%	9.46%	8.96%	13.69%	11.67	35.23	0	33.76	32	19.3	2.02%	2.14%	16.8%	17.73%
GLBSL	1,780	0	0%	-	0.14	159.33	393.94%	40.22	38.34	370.74	8.44%	8.32%	3.13%	17.81%	24.15	47.84	0.9	41.57	0	34.09	2.5%	2.38%	28.82%	27.47%
GMFBS	1,327	-5.86	-0.44%	-	0.14	185.26	107.54%	-4.71	17.54	270.39	8.32%	8.86%	14.37%	-2.06%	16.14	-317.41	0	-309.55	83.12	26.18	-0.28%	1.07%	-2.96%	11.05%
HLBSL	890	0	0%	-	0.11	167.35	95.52%	26.24	32.38	349.17	8.6%	7.9%	8.58%	13.2%	10.68	34.05	0.57	34.49	27.95	17.99	1.48%	1.82%	16.98%	20.97%
ILBS	935	0	0%	-	0.13	136.88	119.88%	24.07	49.91	392.06	8.31%	7.38%	17.85%	15.51%	14.52	41.3	0.24	39.05	18.83	25.63	2%	4.16%	18.84%	39.06%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,315	+14.95	+1.15%	-	0.13	277.15	124.79%	50.65	60.15	612.44	5.85%	7.32%	5.98%	19.57%	9.54	26.1	0.39	25.94	21.84	20.44	2.56%	3.05%	20.08%	23.85%
JSLBB	1,090	-10.01	-0.91%	-	0.11	170.87	107.57%	11.8	19.17	271.48	7.6%	6.12%	9.15%	7.55%	13.55	98.14	0.42	95.25	58.63	29.66	0.86%	1.4%	7.44%	12.11%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	866	-18.76	-2.12%	-	0.14	164.7	112.75%	26.09	27.74	320.62	8.67%	8.82%	11.42%	16.43%	11.48	36.22	1.33	34.92	32.84	23.81	2.3%	2.45%	16.28%	17.31%
LLBS	954	-5.95	-0.62%	-	0.12	187.67	107.03%	15.31	8.11	185.05	6.19%	7.64%	13.04%	8.25%	9.88	60.55	0.66	60.42	114.06	19.99	0.98%	0.52%	8.78%	4.65%
MATRI	894	-16.02	-1.76%	-	0.1	119.9	102.58%	11.25	9.36	158.91	7.28%	4.96%	10.48%	5.5%	16.35	87.11	0.6	85.78	103.1	19.18	0.54%	0.45%	7%	5.84%
MERO	715.1	+0.07	+0.01%	-	0.12	155.78	110.81%	13.88	16.56	240.92	8.6%	7.38%	19.54%	10.28%	9.53	53.46	3.4	51.59	43.24	21.99	1.24%	1.48%	9.08%	10.84%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
MLBBL	1,180	-12.04	-1.01%	-	0.14	223.65	235.93%	47.22	44.45	472.95	7.86%	8.78%	8.39%	23.4%	11.8	27.95	1.18	27.61	29.33	26.17	3.24%	3.05%	23.7%	22.32%

AVG	1,276.72	-3.95	-0.23%	-	0.121	200.76	127.61%	31.44	34.66	386.37	7.18%	7.58%	9.53%	16.31%	12.74	28.122	44.408	27.727	42.642	28.624	1.88%	2.11%	16.68%	18.71%
MED	1,002	-0.99	-0.09%	-	0.13	178.07	111.28%	31.57	34.61	371.05	8.09%	7.44%	8.94%	15.97%	11.575	35.725	0.405	34.705	31.36	20.49	2.01%	2.21%	16.54%	17.52%
MAX	6,005	15.03	1.36%	-	0.15	428.75	393.94%	77.9	85.26	906.91	8.84%	9.62%	19.54%	35.1%	28.45	98.14	963	95.25	114.06	106.64	3.36%	4.16%	47.92%	43.25%
MIN	715.1	-44.77	-2.12%	-	0.03	119.9	0%	-4.71	8.11	158.91	0%	4.14%	2.45%	-2.06%	5.57	-317.41	0	-309.55	0	14.76	-0.28%	0.45%	-2.96%	4.65%