Ganapati Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,334.60

NPR +7.6+0.57%

09:13 AM NPT · May 15, 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

1,327.00

High

1,334.60

Low

1,296.30

Prev Close

1,327.00

Volume

350

Turnover

Rs 457,758.2

Txns

Valuation · Q2 FY25/26

EPS Ann.

-4.71

EPS TTM

17.54

BVPS

185.26

P/E Ann.

-283.35

P/E TTM

76.09

Graham #

N/A

Capital

Mkt Cap

2.02 Arab

Total

15.16 Lakh

Public

4.85 Lakh

Promoter

10.31 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

38.48

ADX

23.36

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

1335.11

SMA 50

1384.12

Bands & Channels

BB Width %

10.92%

Volume & Flow

OBV

614,673

Flow Analysis

[ Live 2026-05-15 ]

Total Buy

2,341

Shares Bought

Total Sell

2,341

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 47%

Distribution 53%

Accumulators

Quantity

1,010

Amount

1,331,101

Avg Rate

1317.92

Rank

#36

Brokers

#58#52

Distributors

Quantity

1,130

Amount

1,487,260

Avg Rate

1316.16

Rank

#41

Brokers

#50#32#49

Net Flow Impact:

-120units

(Rs. -156,159)

Net Flow by Timeframe

GMFBS — Broker Breakdown (7D)

12 Buyers15 Sellers

[ Vol: 4,046 ]

Buy Side

Total: 2,021

Broker

QTY

AVG

NET

626

1324.36

+526

26.7%

384

1307.43

+384

16.4%

223

1324.32

+223

9.5%

184

1315.76

+184

7.9%

150

1309.94

+47

6.4%

136

1349.62

+106

5.8%

130

1344.23

+130

5.5%

105

1315.90

+105

4.5%

1332.69

+39

1.7%

1330.10

+20

0.8%

1361.00

+13

0.6%

1334.00

+10

0.4%

Sell Side

Total: 2,025

Broker

QTY

AVG

NET

630

1311.00

-585

26.9%

255

1329.27

-255

10.9%

245

1315.77

-215

10.5%

140

1308.29

-140

6.0%

115

1323.04

-115

4.9%

104

1336.80

-24

4.4%

100

1310.30

-60

4.3%

1344.89

-43

4.0%

1348.36

-50

3.0%

1365.23

-30

2.6%

1329.50

-36

2.6%

1343.64

-55

2.4%

1310.10

-50

2.1%

1311.50

-28

1.2%

1325.00

-19

0.8%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Capital & Liabilities
Paid Up Capital	151,554,533	151,554,533	151,554,533	151,554,533	0.00%
Reserves and Surplus	129,212,352	48,612,619	70,838,589	55,172,238	+165.80%
Debentures and Bonds	0.00	0.00	0.00	0.00	-
Borrowings	1,635,884,908	1,620,501,992	1,497,376,715	1,746,313,076	+0.95%
Deposits	504,023,861	471,912,398	486,372,297	579,927,418	+6.80%
Income Tax Liabilities	0.00	0.00	4603849.10	4863122.10	-
Other Liabilities	127,824,068	117,607,117	83,629,548	92,713,458	+8.69%
Total Capital & Liabilities	2,548,499,722	2,410,188,659	2,294,375,531	2,630,543,845	+5.74%
Assets
Cash and Bank Balance	102,183,208	178,732,278	155,589,572	43,194,564	-42.83%
Money at Call & Short Notice	0.00	0.00	0.00	0.00	-
Investments	0.00	0.00	0.00	0.00	-
Loan and Advances	2,301,192,951	2,117,351,502	2,059,863,802	2,508,723,380	+8.68%
Fixed Assets	8,319,289	6,647,559	8,780,781	5,423,593	+25.15%
Non Banking Assets	0.00	0.00	0.00	0.00	-
Other Assets	136,804,274	107,457,320	70,141,376	73,202,308	+27.31%
Total Assets	2,548,499,722	2,410,188,659	2,294,375,531	2,630,543,845	+5.74%

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	949.9	-2.09	-0.22%	0	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	1,100	-5.53	-0.5%	0.01	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	6,020	+15.01	+0.25%	0.01	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	1,129	+8.96	+0.8%	0	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	907	-4.47	-0.49%	0.03	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	1,466.1	-5.89	-0.4%	0	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	844.5	-2.54	-0.3%	0.02	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	1,315	-7.94	-0.6%	0	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	+0.08	+0.01%	0.01	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	1,059	+9.03	+0.86%	0.01	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	773	+1.08	+0.14%	0.01	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	1,120	+9	+0.81%	0.01	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%
GLBSL	1,790	+9.97	+0.56%	0	0.14	159.33	393.94%	40.22	38.34	370.74	8.44%	8.32%	3.13%	17.81%	24.15	47.84	0.9	41.57	0	34.09	2.5%	2.38%	28.82%	27.47%
HLBSL	890	0	0%	0	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	922.5	-12.53	-1.34%	0	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	1,305	-9.99	-0.76%	0.02	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	1,102	+11.99	+1.1%	0	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	+5.98	+0.69%	0	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	966	+12.02	+1.26%	0	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	895	+0.98	+0.11%	0.01	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	710	-5.08	-0.71%	0.01	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	1,199	+19	+1.61%	0	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	1,278.68	2.14	0.13%	0.01	0.12	200.48	127.04%	32.49	34.73	386.68	7.15%	7.51%	9.33%	16.76%	12.666	45.765	44.415	45.037	41.99	28.438	1.93%	2.1%	17.31%	18.72%
MED	1,012.5	0.53	0.06%	0	0.13	175	111.28%	31.57	34.61	371.05	7.89%	7.44%	8.94%	15.97%	11.575	37	0.405	35.26	31.36	20.49	2.01%	2.21%	16.54%	17.52%
MAX	6,020	19	1.61%	0.03	0.15	428.75	393.94%	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	710	-12.53	-1.34%	0	0.03	119.9	0%	10.47	8.11	158.91	0%	4.14%	2.45%	5.5%	5.57	15.29	0	15.51	0	14.76	0.54%	0.45%	7%	4.65%