Dhaulagiri Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,039.00

NPR 00.00%

08:43 AM NPT · Nov 6, 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

1,040.00

High

1,040.00

Low

1,039.00

Prev Close

1,039.00

Volume

138

Turnover

Rs 143,392

Txns

Valuation · Q4 FY25/26

EPS Ann.

15.72

EPS TTM

15.72

BVPS

150.57

P/E Ann.

66.09

P/E TTM

66.09

Graham #

230.77

Capital

Mkt Cap

1.47 Arab

Total

14.16 Lakh

Public

4.53 Lakh

Promoter

9.63 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

44.02

ADX

57.08

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1086.46

SMA 50

1086.2

Bands & Channels

BB Width %

16.83%

Volume & Flow

OBV

137,424

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

3,216

Shares Bought

Total Sell

3,216

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 39%

Distribution 61%

Accumulators

Quantity

1,087

Amount

1,149,640

Avg Rate

1057.63

Rank

#34

Brokers

#49#64

Distributors

Quantity

1,690

Amount

1,782,896

Avg Rate

1054.97

Rank

#35

Brokers

#42#35

Net Flow Impact:

-603units

(Rs. -633,256)

Net Flow by Timeframe

DLBS — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 4,538 ]

Buy Side

Total: 1,931

Broker

QTY

AVG

NET

817

1055.54

+817

25.4%

270

1063.93

+270

8.4%

203

1046.41

+163

6.3%

110

1050.91

+110

3.4%

1039.64

+86

2.7%

1040.00

+80

2.5%

1046.31

+30

2.2%

101

1037.00

+70

2.2%

1056.67

+50

1.9%

1046.00

+50

1.6%

1050.29

+41

1.3%

1045.58

+20

0.8%

1060.00

+10

0.6%

1061.00

+15

0.5%

1040.50

+12

0.4%

Sell Side

Total: 2,607

Broker

QTY

AVG

NET

1,020

1051.75

-510

31.7%

670

1059.86

-565

20.8%

326

1040.67

-296

10.1%

197

1048.12

-187

6.1%

112

1073.59

-102

3.5%

100

1060.23

-100

3.1%

1051.78

-10

2.8%

1050.00

-20

0.6%

1060.00

-12

0.4%

1062.00

-10

0.3%

1050.00

-10

0.3%

1047.00

-10

0.3%

1061.00

-10

0.3%

1060.00

-10

0.3%

1055.00

-10

0.3%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Capital & Liabilities
Paid Up Capital	0	133,100	133,100	0	0.00%
Reserves and Surplus	0	92,603	65,412	0	+41.57%
Debentures and Bonds	0	0.00	0.00	0	-
Borrowings	1,040,474	1,233,800	1,262,118	0	-15.67%
Deposits	0	856,430	780,743	0	+9.69%
Income Tax Liabilities	0	366.70	0.00	0	-
Other Liabilities	265,366	297,099	268,171	0	-10.68%
Total Capital & Liabilities	0	2,613,398	2,509,544	0	+4.14%
Assets
Cash and Bank Balance	0	244,014	167,954	0	+45.29%
Money at Call & Short Notice	0	0.00	0.00	0	-
Investments	0	0.00	0.00	0	-
Loan and Advances	0	2,203,425	2,172,818	0	+1.41%
Fixed Assets	0	42,408	41,574	0	+2.01%
Non Banking Assets	0	0.00	0.00	0	-
Other Assets	108,164	123,551	127,199	0	-12.45%
Total Assets	2,459,133	2,613,398	2,509,544	0	-5.90%

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)	PEG	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ACLBSL	817.5	-15.66	-1.88%	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	3.99	32.13	4.17	1.68	1.68%	16.48	16.48%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,169.6	-2.34	-0.2%	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	2.55	36.47	5.48	2.23	2.23%	19.62	19.62%
ANLB	4,899.3	+30.19	+0.62%	0	0.11	362.38	-	5.73	69.71	69.71	753.91	-	7.65	26.79	10.78%	19.87	103.29	3.24	71.8	27.67	3.07	3.07%	19.94	19.94%
AVYAN	1,020	+2.04	+0.2%	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	0.16	18.65	5.02	3.86	3.86%	39.92	39.92%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	987	-2.77	-0.28%	0.04	0.12	251.06	95.51%	5.35	35.91	35.91	450.39	6.23	5.32	19.33	2.3%	3.67	25.68	-	26.73	4.96	2.37	2.37%	14.96	14.96%
CYCL	1,362	+10.41	+0.77%	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	0.09	13.46	4.07	4.02	4.02%	34.85	34.85%
DDBL	862.5	-4.51	-0.52%	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	0.59	17.94	4.74	3.48	3.48%	23.1	23.1%
FMDBL	718	+2	+0.28%	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	1.2	53.67	28.58	3.06	3.06%	10.56	10.56%
FOWAD	900.1	+5.1	+0.57%	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	0.02	17.51	3.96	2.69	2.69%	19.74	19.74%
GBLBS	641.3	-10.23	-1.57%	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	1	21.24	6.63	2.61	2.4%	14	12.85%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,127.6	+17.54	+1.58%	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	0.3	18.4	4.39	3.6	3.6%	27.61	27.61%
GLBSL	1,440	-39.05	-2.64%	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	1,039	+9.98	+0.97%	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	17.08	38.95	5.77	1.68	1.68%	17.09	17.09%
HLBSL	870	-8.97	-1.02%	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	3.16	28.21	4.17	1.8	1.8%	18.06	18.06%
ILBS	965	+24.91	+2.65%	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	0.31	29.05	5.33	2.89	2.89%	23.03	23.03%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,289	+7.94	+0.62%	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	0.73	20.58	5.18	3.34	3.34%	24.42	24.42%
JSLBB	923.4	+10.41	+1.14%	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	3.8	92.34	6.04	0.75	0.75%	6.42	6.42%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	775.1	+0.08	+0.01%	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	9.34	31.39	4.66	2.21	2.21%	15.73	15.73%
LLBS	813.9	+0.89	+0.11%	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	0.08	35.99	4.68	1.59	1.59%	13.24	13.24%
MATRI	709.8	+9.18	+1.31%	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	0.03	16.37	3.47	2.3	2.3%	27.46	27.46%
MERO	631.9	+2.02	+0.32%	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	920	0	0%	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	1,131	2.23	0.14%	0.01	0.124	211	139.42%	7.07	39.8	39.65	425.41	7.71	7.2	19.96	10.46%	5.922	38.25	2.648	36.276	7.186	2.42	2.41%	19.28	19.23%
MED	921.7	2.01	0.24%	0	0.13	179.82	114.29%	6.85	34.27	34.27	363.24	8.3	7.23	18.83	9.41%	4.92	28.01	0.865	30.22	4.99	2.34	2.34%	18.84	18.84%
MAX	4,899.3	30.19	2.65%	0.04	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	17.08	92.34	28.58	4.02	4.02%	39.92	39.92%
MIN	631.9	-39.05	-2.64%	0	0.06	137.26	25.3%	2.09	8.47	8.47	169	1.36	4.04	6.22	2.3%	3.51	12	0.02	13.46	3.47	0.69	0.69%	5.63	5.63%