Gurans Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,798.00

NPR -2-0.11%

09:14 AM NPT · Jun 29, 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

1,751.00

High

1,806.00

Low

1,751.00

Prev Close

1,800.00

Volume

642

Turnover

Rs 1,143,268.6

Txns

Valuation · Q3 FY25/26

EPS Ann.

40.62

EPS TTM

39.89

BVPS

168.91

P/E Ann.

44.26

P/E TTM

45.07

Graham #

392.91

Capital

Mkt Cap

2.08 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

Downtrend

Strength

Strong

Momentum

RSI (14)

54.42

ADX

29.51

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1800.15

SMA 50

1799.01

Bands & Channels

BB Width %

7.31%

Volume & Flow

OBV

449,925

Flow Analysis

[ Live 2026-06-29 ]

Total Buy

4,800

Shares Bought

Total Sell

4,800

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 43%

Distribution 57%

Accumulators

Quantity

1,764

Amount

3,244,358

Avg Rate

1839.20

Rank

#27

Brokers

#3#47

Distributors

Quantity

2,326

Amount

4,224,154

Avg Rate

1816.06

Rank

#18

Brokers

#56#57#1

Net Flow Impact:

-562units

(Rs. -979,797)

Net Flow by Timeframe

GLBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 7,672 ]

Buy Side

Total: 3,526

Broker

QTY

AVG

NET

1,090

1843.84

+1,080

22.7%

674

1831.71

+674

14.0%

550

1805.80

+470

11.5%

264

1811.77

+46

5.5%

150

1841.30

+150

3.1%

150

1760.96

+134

3.1%

100

1796.49

+83

2.1%

100

1796.10

+100

2.1%

1786.00

+82

1.9%

1800.00

+71

1.5%

1762.64

+70

1.5%

1829.00

+60

1.3%

1803.67

+60

1.3%

1790.10

+50

1.0%

1832.56

+45

0.9%

Sell Side

Total: 4,146

Broker

QTY

AVG

NET

1,589

1813.82

-1,078

33.1%

436

1811.74

-273

9.1%

376

1826.13

-310

7.8%

366

1813.06

-68

7.6%

361

1815.42

-305

7.5%

145

1844.26

-145

3.0%

139

1805.84

-139

2.9%

138

1849.81

-128

2.9%

125

1755.70

-125

2.6%

100

1790.00

-100

2.1%

100

1850.00

-83

2.1%

1859.72

-76

1.6%

1859.97

-37

1.5%

1811.36

-51

1.4%

1857.02

-57

1.2%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Capital & Liabilities
Paid Up Capital	132,358	115,850	101,400	0	+14.25%
Reserves and Surplus	91,209	53,594	30,084	0	+70.18%
Debentures and Bonds	0.00	0.00	0.00	0	-
Borrowings	1,425,398	1,320,953	998,385	0	+7.91%
Deposits	584,783	403,805	288,435	0	+44.82%
Income Tax Liabilities	16,615	0	0	0	-
Other Liabilities	115,921	116,556	94,038	0	-0.55%
Total Capital & Liabilities	2,366,284	2,010,759	1,512,343	0	+17.68%
Assets
Cash and Bank Balance	46,961	32,429	12,831	0	+44.81%
Money at Call & Short Notice	9,000	7,729	17,127	0	+16.44%
Investments	0.00	9000.00	9500.00	0	-100.00%
Loan and Advances	2,177,339	1,887,880	1,420,785	0	+15.33%
Fixed Assets	53,851	11,918	8,778	0	+351.85%
Non Banking Assets	0.00	0.00	0.00	0	-
Other Assets	79,133	61,802	43,322	0	+28.04%
Total Assets	2,366,284	2,010,759	1,512,343	0	+17.68%

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%
DLBS	1,420	+185	+14.98%	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	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%
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	1,216.96	0.73	0%	0.01	0.122	203.85	124.06%	7.37	31.16	34.73	388.32	7.6	7.48	16.38	12.04%	8.254	55.3	1.232	45.81	12.909	1.98	2.22%	16.06	18.04%
MED	959.05	-7	-0.59%	0	0.13	178.61	111.22%	7.08	30.48	34.99	378.89	7.86	7.66	15.68	10.61%	7.8	43.43	0.55	28.705	9.97	2.07	2.38%	14.54	18.6%
MAX	5,884.9	185	14.98%	0.03	0.15	484.74	277.7%	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%