Gurans Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,790.00

NPR +10+0.56%

08:43 AM NPT · May 15, 2026

Est. 2073 BS (2016 AD) · Dhankuta 56800, Nepal · CEO: Bishnu Prasad Upadhyaya

Gurans Laghubitta Bittiya Sanstha Ltd. (GLBSL) is a rapidly growing microfinance institution in eastern Nepal, providing financial access to over 22,000 poor, landless, and marginalized individuals across 13 districts through 34 branches in Koshi Province. The institution was registered on 2073/02/02 and received its microfinance banking license from Nepal Rastra Bank on 2073/07/22. GLBSL is committed to delivering standard, reliable, and sustainable microfinance services, empowering underserved communities through credit, savings, and financial inclusion programs aimed at improving livelihoods and reducing poverty.

guranslaghubitta.com.np/

Trading

Open

1,780.00

High

1,829.90

Low

1,780.00

Prev Close

1,780.00

Volume

147

Turnover

Rs 264,102

Txns

Valuation · Q2 FY25/26

EPS Ann.

40.22

EPS TTM

38.34

BVPS

159.33

P/E Ann.

44.51

P/E TTM

46.69

Graham #

379.72

Capital

Mkt Cap

2.07 Arab

Total

11.58 Lakh

Public

3.71 Lakh

Promoter

7.88 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

—

Strength

—

Momentum

RSI (14)

—

ADX

—

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

—

SMA 50

—

Bands & Channels

BB Width %

—

Volume & Flow

OBV

—

Flow Analysis

[ Live 2026-05-14 ]

Total Buy

976

Shares Bought

Total Sell

976

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 38%

Distribution 62%

Accumulators

Quantity

325

Amount

583,042

Avg Rate

1793.98

Rank

#48

Brokers

#29#19

Distributors

Quantity

535

Amount

958,500

Avg Rate

1791.59

Rank

#45

Brokers

#49#45

Net Flow Impact:

-210units

(Rs. -375,458)

Net Flow by Timeframe

GLBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 1,663 ]

Buy Side

Total: 859

Broker

QTY

AVG

NET

165

1815.10

+164

16.9%

160

1772.19

+132

16.4%

148

1810.47

+123

15.2%

147

1772.45

+81

15.1%

1807.14

+13

5.1%

1838.00

+39

4.1%

1800.00

+40

4.1%

1836.47

+30

3.1%

1780.00

+17

1.7%

1832.91

+11

1.1%

1810.00

1.1%

1772.00

+10

1.0%

1818.00

+10

1.0%

1770.00

1.0%

1770.00

+10

1.0%

Sell Side

Total: 804

Broker

QTY

AVG

NET

287

1767.81

-287

29.4%

248

1819.11

-202

25.4%

1788.91

-5

5.6%

1800.00

-40

4.1%

1819.90

-30

3.1%

1816.34

-29

3.0%

1819.90

-19

1.9%

1770.00

-17

1.7%

1823.10

-17

1.7%

1771.80

-15

1.5%

1772.38

-3

1.3%

1821.00

-3

1.1%

1825.45

-11

1.1%

1823.10

-10

1.0%

1786.50

-2

0.2%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Capital & Liabilities
Paid Up Capital	132,358,054	115,849,500	101,400,000	101,400,000	+14.25%
Reserves and Surplus	78,527,667	42,672,130	30,084,150	20,549,070	+84.03%
Debentures and Bonds	0.00	0.00	0.00	0.00	-
Borrowings	1,409,392,897	1,319,777,420	998,385,480	802,435,250	+6.79%
Deposits	544,523,085	368,085,990	288,435,370	323,901,220	+47.93%
Income Tax Liabilities	11,408,764	0	0	106,270	-
Other Liabilities	125,176,292	108,894,030	94,038,040	113,291,290	+14.95%
Total Capital & Liabilities	2,301,386,760	1,955,279,070	1,512,343,040	1,361,683,100	+17.70%
Assets
Cash and Bank Balance	47,374,809	27,708,850	12,831,430	12,733,220	+70.97%
Money at Call & Short Notice	9,000,000	10,094,800	17,126,660	46,219,990	-10.85%
Investments	0.00	9000000.00	9500000.00	10000000.00	-100.00%
Loan and Advances	2,106,439,206	1,841,478,900	1,420,784,890	1,216,157,740	+14.39%
Fixed Assets	53,340,221	13,849,090	8,777,790	21,251,440	+285.15%
Non Banking Assets	0.00	0.00	0.00	0.00	-
Other Assets	85,232,524	53,147,430	43,322,270	55,320,710	+60.37%
Total Assets	2,301,386,760	1,955,279,070	1,512,343,040	1,361,683,100	+17.70%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
ACLBSL	935	-17.04	-1.79%	-	0.13	169.98	213.9%	32.57	33.11	355.85	8.27%	7.44%	5.2%	14.84%	11.3	29.47	0.38	31.23	30.72	17.51	1.98%	2.01%	21%	21.36%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,106.9	+1.44	+0.13%	-	0.13	158.08	6.57%	31.29	38.77	371.35	8.4%	7.16%	10.15%	17.5%	14.95	37.78	0.09	35.6	28.73	26.45	2.24%	2.79%	21.34%	26.44%
ANLB	5,909	-96.08	-1.6%	-	0.12	428.75	0%	77.9	85.26	906.91	0%	-	11.81%	27.93%	28.45	78.31	0.31	80.87	73.89	87.5	3.32%	3.65%	20.24%	22.16%
AVYAN	1,127	+6.94	+0.62%	-	0.03	149.39	109.7%	61.89	55.85	433.27	8.34%	8.86%	4.15%	29.02%	12.66	15.29	0.01	15.51	17.19	17.75	0.9%	0.81%	47.92%	43.25%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	898.3	-13.22	-1.45%	-	0.13	233.66	94.92%	31.85	35.31	430.86	5.51%	6.96%	2.45%	17.74%	7.89	28.95	963	28.89	26.05	20.54	2.22%	2.46%	14.32%	15.87%
CYCL	1,470	-2.06	-0.14%	-	0.12	268.72	111.75%	27.99	41.89	503.26	7.91%	6.38%	18.48%	9.02%	11.24	53.96	0	55.09	36.81	19.47	1.06%	1.61%	10.74%	16.09%
DDBL	849	+2.03	+0.24%	-	0.14	221.13	115.62%	47.41	47.55	486.4	7.83%	8.32%	8.43%	24.37%	7.42	17.3	0.27	17.51	17.46	16.87	3.36%	3.37%	23.26%	23.33%
DLBS	1,290	-32.94	-2.49%	-	0.12	179.13	94.98%	18.38	19.05	277.09	7.67%	7.44%	9.83%	7.8%	14.52	70.73	0.15	71.27	68.77	22.09	0.94%	0.98%	10.82%	11.23%
FMDBL	796.2	+0.32	+0.04%	-	0.06	128.31	114.74%	10.47	11.14	179.33	1.42%	4.14%	4.52%	35.1%	12.39	75.93	2.15	74.4	69.93	106.64	2.12%	2.27%	8.24%	8.78%
FOWAD	1,058	+7.98	+0.76%	-	0.13	234.69	112.57%	31.98	20.71	330.7	7.31%	7.3%	8.92%	13.3%	9.12	33.46	0.02	32.86	50.75	17.8	1.7%	1.1%	13.14%	8.51%
GBLBS	766.3	-5.64	-0.73%	-	0.14	278.07	26.68%	43.75	34.76	466.35	8.84%	9.62%	4.76%	20.85%	5.57	17.69	1.06	17.21	21.66	14.76	2.94%	2.34%	15.96%	12.68%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,106	-5	-0.45%	-	0.15	197.29	282.59%	32.67	34.47	391.17	8.43%	9.46%	8.96%	13.69%	11.67	35.23	0	33.76	32	19.3	2.02%	2.14%	16.8%	17.73%
GMFBS	1,297	-29.99	-2.26%	-	0.14	185.26	107.54%	-4.71	17.54	270.39	8.32%	8.86%	14.37%	-2.06%	16.14	-317.41	0	-309.55	83.12	26.18	-0.28%	1.07%	-2.96%	11.05%
HLBSL	881.3	-8.72	-0.98%	-	0.11	167.35	95.52%	26.24	32.38	349.17	8.6%	7.9%	8.58%	13.2%	10.68	34.05	0.57	34.49	27.95	17.99	1.48%	1.82%	16.98%	20.97%
ILBS	920	-14.96	-1.6%	-	0.13	136.88	119.88%	24.07	49.91	392.06	8.31%	7.38%	17.85%	15.51%	14.52	41.3	0.24	39.05	18.83	25.63	2%	4.16%	18.84%	39.06%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,307	-8.02	-0.61%	-	0.13	277.15	124.79%	50.65	60.15	612.44	5.85%	7.32%	5.98%	19.57%	9.54	26.1	0.39	25.94	21.84	20.44	2.56%	3.05%	20.08%	23.85%
JSLBB	1,090	-10.01	-0.91%	-	0.11	170.87	107.57%	11.8	19.17	271.48	7.6%	6.12%	9.15%	7.55%	13.55	98.14	0.42	95.25	58.63	29.66	0.86%	1.4%	7.44%	12.11%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	872.7	+6.67	+0.77%	-	0.14	164.7	112.75%	26.09	27.74	320.62	8.67%	8.82%	11.42%	16.43%	11.48	36.22	1.33	34.92	32.84	23.81	2.3%	2.45%	16.28%	17.31%
LLBS	929	-24.99	-2.62%	-	0.12	187.67	107.03%	15.31	8.11	185.05	6.19%	7.64%	13.04%	8.25%	9.88	60.55	0.66	60.42	114.06	19.99	0.98%	0.52%	8.78%	4.65%
MATRI	910	+16	+1.79%	-	0.1	119.9	102.58%	11.25	9.36	158.91	7.28%	4.96%	10.48%	5.5%	16.35	87.11	0.6	85.78	103.1	19.18	0.54%	0.45%	7%	5.84%
MERO	713.2	-1.93	-0.27%	-	0.12	155.78	110.81%	13.88	16.56	240.92	8.6%	7.38%	19.54%	10.28%	9.53	53.46	3.4	51.59	43.24	21.99	1.24%	1.48%	9.08%	10.84%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
MLBBL	1,169.2	-10.86	-0.92%	-	0.14	223.65	235.93%	47.22	44.45	472.95	7.86%	8.78%	8.39%	23.4%	11.8	27.95	1.18	27.61	29.33	26.17	3.24%	3.05%	23.7%	22.32%

AVG	1,245.5	-10.91	-0.66%	-	0.12	201.66	114.02%	30.45	33.78	382.12	7.15%	7.54%	9.84%	15.85%	12.302	29.162	44.374	29.077	45.768	28.078	1.81%	2.04%	15.86%	17.97%
MED	996.5	-6.83	-0.67%	-	0.13	182.2	110.26%	29.64	33.79	363.6	7.89%	7.44%	9.06%	15.18%	11.575	35.725	0.385	34.705	32.42	20.49	1.99%	2.08%	16.12%	16.7%
MAX	5,909	16	1.79%	-	0.15	428.75	282.59%	77.9	85.26	906.91	8.84%	9.62%	19.54%	35.1%	28.45	98.14	963	95.25	114.06	106.64	3.36%	4.16%	47.92%	43.25%
MIN	713.2	-96.08	-2.62%	-	0.03	119.9	0%	-4.71	8.11	158.91	0%	4.14%	2.45%	-2.06%	5.57	-317.41	0	-309.55	17.19	14.76	-0.28%	0.45%	-2.96%	4.65%