Grameen Bikas Laghubitta Bittiya Sanstha Ltd.

Microfinance

NPR 732.20

NPR -6.8-0.92%

09:14 AM NPT · Aug 11, 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

775.90

High

775.90

Low

732.10

Prev Close

739.00

Volume

5,345

Turnover

Rs 3,927,922.8

Txns

Valuation · Q3 FY25/26

EPS Ann.

40.00

EPS TTM

36.73

BVPS

295.18

P/E Ann.

18.30

P/E TTM

19.93

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 Sell

RSI

Strong Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

18.96

ADX

17.49

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

747.92

SMA 50

755.42

Bands & Channels

BB Width %

5.51%

Volume & Flow

OBV

3,367,422

Flow Analysis

[ Live 2026-08-11 ]

Total Buy

10,149

Shares Bought

Total Sell

10,149

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 48%

Distribution 52%

Accumulators

Quantity

3,218

Amount

2,357,894

Avg Rate

732.72

Rank

#26

Brokers

#45#16

Distributors

Quantity

3,478

Amount

2,549,126

Avg Rate

732.93

Rank

#27

Brokers

#49#37#72

Net Flow Impact:

-260units

(Rs. -191,232)

Net Flow by Timeframe

GBLBS — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 15,169 ]

Buy Side

Total: 9,043

Broker

QTY

AVG

NET

2,600

737.00

+115

25.6%

1,649

732.71

+1,586

16.3%

1,569

732.73

+1,127

15.5%

825

734.54

+415

8.1%

324

736.84

+314

3.2%

292

731.06

+277

2.9%

278

733.53

+278

2.7%

261

733.39

+201

2.6%

244

732.45

+210

2.4%

201

731.88

+191

2.0%

200

732.30

+200

2.0%

180

732.25

+63

1.8%

180

735.56

+170

1.8%

150

730.50

+150

1.5%

734.33

+75

0.9%

Sell Side

Total: 6,126

Broker

QTY

AVG

NET

1,418

732.33

-1,418

14.0%

1,100

733.98

-1,100

10.8%

960

732.61

-960

9.5%

682

733.56

-682

6.7%

530

731.28

-64

5.2%

418

734.04

-294

4.1%

293

731.80

-232

2.9%

170

730.50

-105

1.7%

117

737.24

-117

1.1%

110

733.30

-110

1.1%

100

734.10

-70

1.0%

729.92

-62

0.6%

733.70

-48

0.6%

737.18

-55

0.5%

734.00

-50

0.5%

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	8,960,560	7,283,714	5,831,933	0	+23.02%
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	785,808	956,975	893,159	0	-17.89%
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	927.9	+12.9	+1.41%	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	1,113.9	+23.87	+2.19%	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	5,438	-28.97	-0.53%	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	-7.99	-0.76%	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	930	0	0%	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	1,265	-13.04	-1.02%	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	840	0	0%	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%
DLBS	1,160	-19.94	-1.69%	0	0.11	148.7	96.63%	11.63	18.29	21.19	266.26	7.92	6.77	8.34	23.62%	11.57	70.54	0.28	59.75	10.47	0.95	1.11%	11.75	13.61%
FMDBL	788	-29	-3.55%	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	930	-15.03	-1.59%	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%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,070.4	-17.63	-1.62%	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	1,770	-14.99	-0.84%	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	1,133	-40.97	-3.49%	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	884.9	+0.88	+0.1%	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	878	+12.98	+1.5%	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	1,255.2	+0.25	+0.02%	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	980	0	0%	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	800	-7.92	-0.98%	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	884	+18.01	+2.08%	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	808	+5.94	+0.74%	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	663	-9	-1.34%	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	1,099.5	-22.44	-2%	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	1,211.9	-6.91	-0.52%	0.01	0.122	198.11	140.92%	7.6	31.19	34.87	383.57	7.62	7.42	16.34	11.97%	8.739	56.42	1.258	46.911	13.249	1.97	2.22%	16.67	18.68%
MED	955	-7.95	-0.65%	0	0.13	174.46	111.88%	7.1	30.48	34.99	378.89	7.86	7.66	15.68	10.61%	8.12	45.99	0.55	31.655	10.16	2.07	2.39%	16.93	21.26%
MAX	5,438	23.87	2.19%	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	663	-40.97	-3.55%	0	0.06	131.53	95.82%	2.27	4.37	6.03	161.78	1.37	4.79	2.74	2.32%	5.03	19.06	0.06	18.6	8.04	0.36	0.4%	2.76	3.33%