Gurans Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,795.90

NPR -5.1-0.28%

09:10 AM NPT · Aug 7, 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

1,801.00

High

1,801.00

Low

1,772.00

Prev Close

1,801.00

Volume

279

Turnover

Rs 495,322

Txns

Valuation · Q3 FY25/26

EPS Ann.

40.62

EPS TTM

39.89

BVPS

168.91

P/E Ann.

44.21

P/E TTM

45.02

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

Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Weak

Momentum

RSI (14)

45.86

ADX

16.12

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1790.96

SMA 50

1795.02

Bands & Channels

BB Width %

4.27%

Volume & Flow

OBV

451,468

Flow Analysis

[ Live 2026-08-07 ]

Total Buy

963

Shares Bought

Total Sell

963

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 51%

Distribution 49%

Accumulators

Quantity

358

Amount

636,972

Avg Rate

1779.25

Rank

#46

Brokers

#34#49

Distributors

Quantity

345

Amount

613,764

Avg Rate

1779.03

Rank

#47

Brokers

#46#21

Net Flow Impact:

+13units

(Rs. 23,208)

Net Flow by Timeframe

GLBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 1,685 ]

Buy Side

Total: 882

Broker

QTY

AVG

NET

235

1778.51

+235

24.4%

123

1780.67

+122

12.8%

1778.76

+35

8.8%

1773.56

+77

8.1%

1777.12

+67

7.0%

1761.27

+17

5.9%

1776.10

+43

4.5%

1796.00

+40

4.2%

1801.50

3.5%

1773.00

+18

3.3%

1780.00

+25

2.6%

1802.95

2.0%

1780.00

+17

1.8%

1777.10

+17

1.8%

1710.00

+10

1.0%

Sell Side

Total: 803

Broker

QTY

AVG

NET

200

1780.00

-200

20.8%

145

1777.68

-145

15.1%

1781.85

-93

9.7%

1787.11

-40

9.3%

1772.15

-68

7.1%

1777.00

-35

3.6%

1785.00

-34

3.5%

1773.00

-30

3.1%

1774.80

-2

2.4%

1717.50

-20

2.1%

1758.94

-18

1.9%

1781.00

-17

1.8%

1777.10

-17

1.8%

1776.20

-11

1.1%

1770.65

-2

0.2%

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	917	-3.04	-0.33%	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	1,091	+5.97	+0.55%	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	5,996	+471.77	+8.54%	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	1,053	+11.04	+1.06%	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	929	-0.93	-0.1%	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	1,280	-10.06	-0.78%	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	829	-6.01	-0.72%	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	1,165	-17.14	-1.45%	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	781	+22.97	+3.03%	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	+2.87	+0.31%	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	738	+1.03	+0.14%	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	1,070	-19.95	-1.83%	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	1,154	-29.1	-2.46%	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	870	-10.03	-1.14%	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	876.9	-2.11	-0.24%	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	1,260.8	+0.76	+0.06%	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	-10	-1.01%	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	777	+16.8	+2.21%	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	885	-9.84	-1.1%	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	811	-1.22	-0.15%	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	661.2	-4.8	-0.72%	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	1,119	-2.02	-0.18%	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	1,189.72	18.5	0.17%	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	929.5	-2.06	-0.21%	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	5,996	471.77	8.54%	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	661.2	-29.1	-2.46%	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%