Dhaulagiri Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,420.00

NPR +185+14.98%

09:14 AM NPT · Jun 29, 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

1,225.00

High

1,420.00

Low

1,190.00

Prev Close

1,235.00

Volume

1,472

Turnover

Rs 1,819,820

Txns

Valuation · Q3 FY25/26

EPS Ann.

18.29

EPS TTM

21.19

BVPS

148.70

P/E Ann.

77.64

P/E TTM

67.01

Graham #

247.37

Capital

Mkt Cap

1.89 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

Very Strong

Momentum

RSI (14)

66.84

ADX

40.67

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

1269.91

SMA 50

1290.5

Bands & Channels

BB Width %

11.93%

Volume & Flow

OBV

145,150

Flow Analysis

[ Live 2026-06-29 ]

Total Buy

5,759

Shares Bought

Total Sell

5,759

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 41%

Distribution 59%

Accumulators

Quantity

1,470

Amount

1,819,068

Avg Rate

1237.46

Rank

#36

Brokers

#89#35

Distributors

Quantity

2,080

Amount

2,569,387

Avg Rate

1235.28

Rank

#29

Brokers

#42#7

Net Flow Impact:

-610units

(Rs. -750,319)

Net Flow by Timeframe

DLBS — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 8,845 ]

Buy Side

Total: 5,295

Broker

QTY

AVG

NET

2,150

1246.44

+540

37.3%

756

1240.37

+559

13.1%

714

1234.38

+714

12.4%

330

1235.12

+296

5.7%

280

1243.25

+128

4.9%

201

1202.44

+194

3.5%

170

1242.79

+170

3.0%

142

1217.68

+42

2.5%

120

1195.02

+120

2.1%

102

1209.37

+102

1.8%

100

1212.00

+100

1.7%

1222.11

+90

1.6%

1223.67

+60

1.0%

1223.00

+50

0.9%

1222.00

0.5%

Sell Side

Total: 3,550

Broker

QTY

AVG

NET

1,660

1236.12

-1,603

28.8%

420

1231.96

-410

7.3%

224

1241.59

-114

3.9%

210

1203.53

-200

3.6%

200

1206.29

-200

3.5%

158

1244.18

-158

2.7%

141

1218.33

-131

2.5%

110

1234.14

-110

1.9%

100

1238.50

-100

1.7%

1236.52

-64

1.6%

1237.78

-8

1.6%

1271.43

-70

1.2%

1220.00

-40

0.7%

1269.50

-10

0.3%

1232.94

-17

0.3%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Capital & Liabilities
Paid Up Capital	133,100	133,100	133,100	0	0.00%
Reserves and Surplus	64,818	83,276	43,958	0	-22.17%
Debentures and Bonds	0.00	0.00	0.00	0	-
Borrowings	1,126,107	1,243,892	1,177,293	0	-9.47%
Deposits	924,175	831,314	747,141	0	+11.17%
Income Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	251,399	286,248	266,623	0	-12.17%
Total Capital & Liabilities	2,499,599	2,577,829	2,368,116	0	-3.03%
Assets
Cash and Bank Balance	177,009	247,438	161,732	0	-28.46%
Money at Call & Short Notice	0.00	0.00	0.00	0	-
Investments	0.00	0.00	0.00	0	-
Loan and Advances	2,158,806	2,152,789	2,042,832	0	+0.28%
Fixed Assets	37,805	44,401	14,463	0	-14.86%
Non Banking Assets	0.00	0.00	0.00	0	-
Other Assets	125,979	133,201	149,089	0	-5.42%
Total Assets	2,499,599	2,577,829	2,368,116	0	-3.03%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q3

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	938	-1.03	-0.11%	0	0.13	179.21	201.13%	8.36	34.02	34.53	373.14	8.74	7.8	15.46	6.87%	7.42	29.3	0.53	27.8	8.06	2.08	2.11%	20.84	21.15%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,063	-6.95	-0.65%	0.01	0.13	163.92	113.23%	8.15	29.28	39.86	383.42	8.28	7.29	15.87	9.88%	9.34	39.2	0.26	27.75	11.07	2.05	2.79%	19.25	26.22%
ANLB	5,884.9	-8.84	-0.15%	0.01	0.11	484.74	-	4.49	82.49	91.55	999.25	-	8.2	29.25	11.17%	17.78	78.37	0.57	64.88	40.76	3.21	3.57%	19.63	21.79%
AVYAN	1,043	-16.96	-1.6%	0	0.15	157.84	110.28%	8.3	52.53	56.82	449.21	8.88	8.45	25.67	5.14%	9.83	22.14	0.06	19.62	10.11	3.72	4.02%	38.32	41.45%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	910.6	-0.09	-0.01%	0.03	0.12	241.93	95.82%	5.53	33.41	34.99	436.42	6.8	6.65	18.45	2.32%	5.03	27.3	-	26.32	8.96	2.25	2.36%	14.47	15.16%
CYCL	1,385	-47.86	-3.34%	0	0.11	269.54	110.75%	9.28	26.74	43.18	511.73	7.84	6.33	8.72	19.7%	7.73	58.45	-	33.7	9.07	1	1.62%	9.93	16.05%
DDBL	820	-9.96	-1.2%	0.02	0.13	212.26	111.22%	5.63	44.13	45.7	467.18	7.76	8	25.18	7.52%	5.28	19.06	0.45	18.6	8.53	3.27	3.39%	22.63	23.43%
FMDBL	761	-9.01	-1.17%	0.01	0.06	131.53	119.28%	2.27	11.27	13	196.14	1.37	4.79	36.69	4.36%	8.37	73.25	1.15	60.68	47.77	2.33	2.69%	8.72	10.06%
FOWAD	980.1	-9.9	-1%	0.01	0.13	239.61	115.98%	7.08	18.15	16.05	294.16	7.34	7.11	7.55	18.91%	6.49	64.23	0.16	64.74	8.62	0.95	0.84%	7.36	6.5%
GBLBS	750	-17.58	-2.29%	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	1,095	-7.05	-0.64%	0.01	0.14	214.72	277.7%	7.08	45.16	47.07	476.87	8.24	9.37	18.92	8.69%	7.1	25.33	0.63	24.01	8.52	2.73	2.85%	22.17	23.11%
GLBSL	1,798	-1.98	-0.11%	0	0.14	168.91	379.35%	9.58	40.62	39.89	389.36	8.59	8.17	17.9	3.41%	14.21	44.31	1.48	45.47	14.11	2.45	2.41%	27.36	26.86%
GMFBS	1,211	-15.2	-1.24%	0	0.13	169.51	105.16%	9.23	53.71	52.94	449.35	7.56	8.55	24.17	14.29%	10.85	25.69	0.15	24.52	11.04	3.16	3.12%	32.12	31.67%
HLBSL	874.5	-0.53	-0.06%	0	0.13	178.01	101.94%	8.47	31.68	34.99	374.36	8.76	8.47	15.5	10.04%	6.93	29.2	0.68	25.72	8.05	1.96	2.17%	19.36	21.37%
ILBS	892	+1.87	+0.21%	0	0.12	140.07	113.65%	7.83	20.31	33.95	327.1	8.52	6.89	13.96	23.93%	9.21	47.66	-	26.98	11.83	1.65	2.77%	14.61	24.44%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,251	-9.96	-0.79%	0.02	0.13	255.24	127.25%	6.32	47.73	57.77	575.99	6.22	7.55	20.19	4.8%	6.83	27.38	0.5	22.45	9.83	2.65	3.22%	20.73	25.09%
JSLBB	1,029.9	-1.13	-0.11%	0	0.11	170.91	108.22%	6.92	8.09	19.73	275.45	7.3	6.19	5.27	21.45%	8.93	141.53	0.62	55.5	13.28	0.59	1.45%	5.12	12.49%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	823	+1.97	+0.24%	0	0.13	154.96	111.88%	6.96	4.37	12.22	206.41	8.9	8.88	2.74	14.14%	7.87	209.38	-	71.28	10.21	0.36	1.03%	2.76	7.74%
LLBS	920	-3.05	-0.33%	0	0.13	192.91	115.22%	6.79	17.29	6.03	161.78	7.58	7.77	9.2	12.59%	6.74	56.39	3.91	156.72	9.23	1.16	0.4%	9.57	3.33%
MATRI	854.1	+4.08	+0.48%	0.01	0.1	132.3	105.65%	14.4	15.11	9.04	164.04	7.86	5.11	7.18	9.55%	9.59	63	0.23	99.78	8.04	0.73	0.44%	9.15	5.47%
MERO	707.1	-3.77	-0.53%	0.01	0.11	151.87	103.74%	7.11	13.33	15.83	232.58	8.53	7.12	10.29	18.84%	6.56	56.04	5.65	46.16	10.26	1.16	1.39%	8.95	10.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
MLBBL	1,160	-7.94	-0.68%	0	0.13	199.67	235.28%	5.89	38.36	40.85	428.39	6.98	7.88	22.88	12.03%	8.59	33.55	5.34	29.61	13.65	2.89	3.09%	21.88	23.3%

AVG	1,234.15	-7.77	-0.69%	0.01	0.123	204.77	137.53%	7.28	32.17	35.58	393.92	7.63	7.54	16.82	11.12%	8.374	54.11	1.298	45.16	13.074	2.04	2.28%	16.77	18.64%
MED	959.05	-7	-0.59%	0	0.13	178.61	111.88%	7.08	32.55	35.86	386.39	7.86	7.79	16.88	9.96%	7.8	41.76	0.595	28.705	9.97	2.17	2.41%	16.93	21.26%
MAX	5,884.9	4.08	0.48%	0.03	0.15	484.74	379.35%	14.4	82.49	91.55	999.25	8.9	9.37	36.69	23.93%	17.78	209.38	5.65	156.72	47.77	3.72	4.02%	38.32	41.45%
MIN	707.1	-47.86	-3.34%	0	0.06	131.53	25.3%	2.27	4.37	6.03	161.78	1.37	4.79	2.74	2.32%	3.55	19.06	0.06	18.6	6.63	0.36	0.4%	2.76	3.33%