Dhaulagiri Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,205.10

NPR -136.8-10.19%

09:14 AM NPT · Sep 24, 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

1,408.00

High

1,408.00

Low

1,140.70

Prev Close

1,341.90

Volume

2,694

Turnover

Rs 3,143,854.7

Txns

Valuation · Q4 FY25/26

EPS Ann.

15.72

EPS TTM

15.72

BVPS

150.57

P/E Ann.

76.66

P/E TTM

76.66

Graham #

230.77

Capital

Mkt Cap

1.6 Arab

Total

13.31 Lakh

Public

4.26 Lakh

Promoter

9.05 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

63.64

ADX

35.84

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

1073.49

SMA 50

1139.27

Bands & Channels

BB Width %

40.89%

Volume & Flow

OBV

140,879

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

9,709

Shares Bought

Total Sell

9,709

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 22%

Distribution 78%

Accumulators

Quantity

1,628

Amount

1,835,366

Avg Rate

1127.37

Rank

#36

Brokers

#58#48#52

Distributors

Quantity

5,623

Amount

6,348,046

Avg Rate

1128.94

Rank

#19

Brokers

#63#19#35

Net Flow Impact:

-3,995units

(Rs. -4,512,680)

Net Flow by Timeframe

DLBS — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 12,818 ]

Buy Side

Total: 4,536

Broker

QTY

AVG

NET

852

1138.09

+502

8.8%

486

1097.99

+479

5.0%

336

1108.38

+176

3.5%

336

1121.47

+181

3.5%

325

1127.73

+285

3.4%

300

1102.50

+284

3.1%

290

1145.14

+290

3.0%

260

1107.35

+235

2.7%

259

1184.31

+249

2.7%

237

1134.03

+237

2.4%

225

1141.00

+188

2.3%

200

1143.00

+190

2.1%

190

1142.19

+71

2.0%

133

1198.99

+133

1.4%

107

1105.34

+83

1.1%

Sell Side

Total: 8,282

Broker

QTY

AVG

NET

2,759

1127.81

-1,425

28.4%

2,295

1127.43

-246

23.6%

569

1140.56

-519

5.9%

568

1175.31

-197

5.8%

408

1165.83

-232

4.2%

327

1122.96

-217

3.4%

270

1187.03

-240

2.8%

204

1181.92

-144

2.1%

201

1126.48

-66

2.1%

150

1129.21

-103

1.5%

115

1135.04

-115

1.2%

110

1219.46

-30

1.1%

106

1137.03

-106

1.1%

100

1130.00

-100

1.0%

100

1130.00

-100

1.0%

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	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	3.99	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	2.55	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	3.24	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	0.16	18.65	5.02	3.86	3.86%	39.92	39.92%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	956.8	+7.78	+0.82%	0.03	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	1,630	+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	0.09	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	0.59	17.94	4.74	3.48	3.48%	23.1	23.1%
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	1.2	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	0.02	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	1	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	0.3	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	17.08	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	3.16	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	0.31	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	0.73	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	3.8	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	9.34	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	0.08	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	0.03	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	1,178.59	8.46	0.55%	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	953.4	4.39	0.54%	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	4,987	99.05	6.47%	0.03	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	607	-21.79	-2.91%	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%