Ganapati Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,174.00

NPR +20+1.73%

09:12 AM NPT · Aug 10, 2026

Est. June 27, 2016 · H4 Prithvi Highway, Nepal · CEO: Mr. Achut Raj Sapkota

Ganapati Microfinance Bittiya Sanstha, established on June 27, 2016, is a dedicated microfinance institution committed to uplifting marginalized and underprivileged communities across Nepal. The organization provides both financial and non-financial services, focusing on empowering rural households by mobilizing local skills, resources, and entrepreneurial potential. Licensed by Nepal Rastra Bank, Ganapati Microfinance operates with a mission to promote financial inclusion, economic independence, and sustainable livelihood development. Over the years, the institution has expanded its outreach significantly, operating through twenty branches outside the Kathmandu Valley, enabling wider access to microcredit, savings services, and various community support programs. The institution emphasizes capacity building, income-generating activities, and financial literacy to help clients improve their economic stability and quality of life. By encouraging local participation and self-reliance, Ganapati Microfinance plays a vital role in strengthening community development and fostering inclusive economic growth in Nepal.

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Trading

Open

1,188.00

High

1,188.00

Low

1,140.00

Prev Close

1,154.00

Volume

997

Turnover

Rs 1,146,874.4

Txns

Valuation · Q3 FY25/26

EPS Ann.

53.71

EPS TTM

52.94

BVPS

169.51

P/E Ann.

21.86

P/E TTM

22.18

Graham #

452.60

Capital

Mkt Cap

1.78 Arab

Total

15.16 Lakh

Public

4.85 Lakh

Promoter

10.31 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

31.67

ADX

44.32

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1213.44

SMA 50

1233.16

Bands & Channels

BB Width %

8.82%

Volume & Flow

OBV

607,497

Flow Analysis

[ Live 2026-08-10 ]

Total Buy

3,922

Shares Bought

Total Sell

3,922

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

Quantity

2,001

Amount

2,353,711

Avg Rate

1176.27

Rank

#24

Brokers

#52#88#57

Distributors

Quantity

2,326

Amount

2,734,200

Avg Rate

1175.49

Rank

#25

Brokers

#94#14

Net Flow Impact:

-325units

(Rs. -380,489)

Net Flow by Timeframe

GMFBS — Broker Breakdown (7D)

15 Buyers14 Sellers

[ Vol: 6,805 ]

Buy Side

Total: 3,054

Broker

QTY

AVG

NET

960

1174.00

+960

24.5%

831

1175.46

+831

21.2%

210

1189.81

+210

5.3%

150

1203.33

+74

3.8%

145

1158.44

+114

3.7%

110

1175.82

+110

2.8%

100

1173.00

+100

2.5%

1140.10

+88

2.2%

1190.00

+75

1.9%

1165.00

+58

1.8%

1209.75

+62

1.8%

1161.50

+70

1.8%

1175.91

+31

1.6%

1181.33

+60

1.5%

1182.00

+50

1.3%

Sell Side

Total: 3,751

Broker

QTY

AVG

NET

1,374

1174.04

-1,374

35.0%

952

1177.59

-682

24.3%

433

1164.05

-403

11.0%

290

1187.47

-56

7.4%

154

1154.74

-154

3.9%

109

1197.91

-109

2.8%

100

1153.55

-41

2.5%

1181.40

-53

2.4%

1200.00

-70

1.8%

1182.81

-62

1.6%

1181.50

-40

1.0%

1169.04

-25

0.6%

1164.35

-3

0.6%

1154.75

-24

0.6%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Capital & Liabilities
Paid Up Capital	151,555	151,555	151,555	0	0.00%
Reserves and Surplus	105,341	98,209	68,649	0	+7.26%
Debentures and Bonds	0.00	0.00	0.00	0	-
Borrowings	1,677,747	1,660,894	1,443,480	0	+1.01%
Deposits	514,841	471,555	475,256	0	+9.18%
Income Tax Liabilities	26,162	9,990	3,677	0	+161.88%
Other Liabilities	153,413	117,952	104,535	0	+30.06%
Total Capital & Liabilities	2,629,059	2,510,155	2,247,153	0	+4.74%
Assets
Cash and Bank Balance	158,828	185,985	61,592	0	-14.60%
Money at Call & Short Notice	0.00	0.00	0.00	0	-
Investments	0.00	0.00	0.00	0	-
Loan and Advances	2,305,789	2,211,736	2,080,392	0	+4.25%
Fixed Assets	8,574	8,305	8,513	0	+3.24%
Non Banking Assets	0.00	0.00	0.00	0	-
Other Assets	155,867	104,128	96,656	0	+49.69%
Total Assets	2,629,059	2,510,155	2,247,153	0	+4.74%

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	915	-2.02	-0.22%	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	1,090	-0.98	-0.09%	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	5,467	-532.12	-8.87%	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	1,051	-2	-0.19%	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	+1.02	+0.11%	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	1,278	-2.05	-0.16%	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	+11.03	+1.33%	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	1,180	+15.03	+1.29%	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	817	+36	+4.61%	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	945	+14.97	+1.61%	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	739	+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	1,088	+17.98	+1.68%	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	1,785	-10.96	-0.61%	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%
HLBSL	884	+14.01	+1.61%	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	865	-11.93	-1.36%	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	-5.8	-0.46%	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	807.9	+30.92	+3.98%	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	866	-19.03	-2.15%	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	802.1	-8.92	-1.1%	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	672	+10.78	+1.63%	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	1,121.9	+2.91	+0.26%	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	1,199.04	-20.01	0.14%	0.01	0.122	203.82	137.12%	7.39	30.56	34.14	385.6	7.64	7.46	16.1	11.54%	8.407	56.15	1.306	46.762	13.048	1.94	2.19%	15.84	17.82%
MED	937.5	0.51	0.06%	0	0.13	178.61	111.88%	7.08	30.48	34.99	378.89	7.92	7.66	15.68	9.96%	7.8	45.99	0.595	31.655	9.97	2.07	2.38%	14.54	18.6%
MAX	5,467	36	4.61%	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	672	-532.12	-8.87%	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%