Grameen Bikas Laghubitta Bittiya Sanstha Ltd.

Microfinance

NPR 692.00

NPR -0.5-0.07%

09:14 AM NPT · Sep 24, 2026

Est. August 15, 2014 · Butwal, Rupandehi District, Lumbini Province, Nepal · CEO: Parbat Karki

Grameen Bikas Laghubitta Bittiya Sanstha Ltd. (GBLBS), formerly known as Nepal Grameen Bikas Bank Ltd., was established on August 15, 2014 (Shrawan 30, 2071) through the successful merger of five regional Grameen Bikas Banks that operated across the five development regions of Nepal. This strategic consolidation created one of the largest microfinance institutions in the country, dedicated to poverty alleviation and financial inclusion. The institution was registered as a public limited company on 30th July 2014 (Shrawan 14, 2071) under the Company Act 2063 and is regulated by Nepal Rastra Bank under the Bank and Financial Institution Act, 2073. Following approval from the Office of the Company Registrar, and as per the decision of its Annual General Meeting, the organization officially changed its name from Nepal Grameen Bikas Bank Ltd. to Grameen Bikas Laghubitta Bittiya Sanstha Ltd. on 2074/12/28. Headquartered in Butwal, Rupandehi, Lumbini Province, GBLBS operates with a mission to uplift economically disadvantaged communities through microfinance services, community empowerment, and livelihood development programs. With its wide network and long-standing Grameen banking model, the institution continues to play a pivotal role in expanding access to financial services across rural and semi-urban Nepal.

www.gblbs.com.np/

Trading

Open

672.00

High

692.00

Low

666.60

Prev Close

692.50

Volume

3,339

Turnover

Rs 2,270,572.5

Txns

Valuation · Q3 FY25/26

EPS Ann.

40.00

EPS TTM

36.73

BVPS

295.18

P/E Ann.

17.30

P/E TTM

18.84

Graham #

515.42

Capital

Mkt Cap

N/A

Total

N/A

Public

N/A

Promoter

N/A

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

60.3

ADX

39.75

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

663.86

SMA 50

708.2

Bands & Channels

BB Width %

11.96%

Volume & Flow

OBV

3,321,242

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

26,725

Shares Bought

Total Sell

26,725

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 67%

Distribution 33%

Accumulators

Quantity

12,377

Amount

8,465,343

Avg Rate

683.96

Rank

#14

Brokers

#6#58

Distributors

Quantity

6,107

Amount

4,133,838

Avg Rate

676.90

Rank

#23

Brokers

#16#3#39#22

Net Flow Impact:

+6,270units

(Rs. 4,331,506)

Net Flow by Timeframe

GBLBS — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 37,020 ]

Buy Side

Total: 19,342

Broker

QTY

AVG

NET

9,506

685.32

+5,493

35.6%

2,871

679.43

+1,892

10.7%

1,135

676.65

+785

4.3%

731

692.11

+729

2.7%

650

680.32

+615

2.4%

623

677.70

2.3%

617

673.49

+572

2.3%

606

679.17

+104

2.3%

600

675.33

+600

2.3%

450

676.60

+72

1.7%

410

680.00

+215

1.5%

379

679.18

+364

1.4%

340

686.26

+340

1.3%

220

683.52

+220

0.8%

204

666.95

+174

0.8%

Sell Side

Total: 17,678

Broker

QTY

AVG

NET

2,050

678.83

-1,145

7.7%

1,836

678.22

-701

6.9%

1,535

670.78

-1,535

5.7%

1,490

686.93

-210

5.6%

1,358

681.31

-201

5.1%

1,305

678.99

-1,305

4.9%

1,217

679.13

-1,067

4.5%

1,100

676.34

-462

4.1%

1,027

683.85

-527

3.8%

987

680.08

-947

3.7%

948

688.76

-424

3.5%

901

690.07

-891

3.4%

700

684.71

-700

2.6%

614

681.51

-316

2.3%

610

676.69

-329

2.3%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Capital & Liabilities
Paid Up Capital	1,005,350	982,500	982,500	0	+2.33%
Reserves and Surplus	1,962,278	1,792,820	1,241,781	0	+9.45%
Debentures and Bonds	0.00	0.00	0.00	0	-
Borrowings	89,827	7,283,714	5,831,933	0	-98.77%
Deposits	3,874,813	3,492,627	3,567,805	0	+10.94%
Income Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	495,627	824,253	992,122	0	-39.87%
Total Capital & Liabilities	16,298,628	14,375,913	12,616,141	0	+13.37%
Assets
Cash and Bank Balance	1,013,712	962,208	728,471	0	+5.35%
Money at Call & Short Notice	0.00	0.00	0.00	0	-
Investments	2,025	2,025	2,025	0	0.00%
Loan and Advances	14,413,618	12,372,963	10,913,009	0	+16.49%
Fixed Assets	83,465	81,741	79,477	0	+2.11%
Non Banking Assets	0.00	0.00	0.00	0	-
Other Assets	195,510	956,975	893,159	0	-79.57%
Total Assets	16,298,628	14,375,913	12,616,141	0	+13.37%

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	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%
DLBS	1,205.1	-136.73	-10.19%	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	2.01	75.32	5.45	0.82	0.82%	9.82	9.82%
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%
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	1,201.91	2.27	0.09%	0.01	0.123	204.42	140.37%	7.38	38.69	38.69	413.45	7.7	7.08	19.42	11.17%	6.125	40.85	2.704	38.734	7.133	2.34	2.34%	19.09	19.09%
MED	962.9	4.39	0.54%	0	0.125	176.92	114.29%	7.12	31.95	31.95	359.67	8.3	7.19	17.86	9.84%	5.245	30.19	0.965	31.76	4.99	2.26	2.26%	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	8.56	47.12	26.61%	19.87	103.29	17.08	92.34	28.58	4.02	4.02%	39.92	39.92%
MIN	607	-136.73	-10.19%	0	0.06	137.26	45.18%	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%