Ganapati Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,226.20

NPR -16.8-1.35%

09:14 AM NPT · Jun 26, 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

1,270.00

High

1,270.00

Low

1,226.00

Prev Close

1,243.00

Volume

575

Turnover

Rs 708,896.7

Txns

Valuation · Q3 FY25/26

EPS Ann.

53.71

EPS TTM

52.94

BVPS

169.51

P/E Ann.

22.83

P/E TTM

23.16

Graham #

452.60

Capital

Mkt Cap

1.86 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

Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

34.56

ADX

50.65

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1267.3

SMA 50

1301.9

Bands & Channels

BB Width %

6.24%

Volume & Flow

OBV

608,062

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

2,309

Shares Bought

Total Sell

2,309

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 59%

Distribution 41%

Accumulators

Quantity

1,218

Amount

1,516,984

Avg Rate

1245.47

Rank

#38

Brokers

#6#32

Distributors

Quantity

835

Amount

1,037,651

Avg Rate

1242.70

Rank

#43

Brokers

#45#10

Net Flow Impact:

+383units

(Rs. 479,333)

Net Flow by Timeframe

GMFBS — Broker Breakdown (7D)

14 Buyers15 Sellers

[ Vol: 3,475 ]

Buy Side

Total: 1,933

Broker

QTY

AVG

NET

878

1254.31

+214

38.0%

340

1222.65

+276

14.7%

164

1231.55

+164

7.1%

160

1284.40

+160

6.9%

100

1233.00

+100

4.3%

1231.90

+50

2.2%

1223.00

+50

2.2%

1243.66

+37

2.0%

1242.95

+33

1.9%

1232.00

+30

1.3%

1220.10

+20

0.9%

1256.00

0.9%

1252.50

+20

0.9%

1270.00

+10

0.4%

Sell Side

Total: 1,542

Broker

QTY

AVG

NET

552

1234.36

-448

23.9%

283

1258.96

-273

12.3%

170

1266.18

-56

7.4%

120

1246.17

-80

5.2%

1260.00

-90

3.9%

1240.84

-2

2.3%

1260.00

-50

2.2%

1265.00

-50

2.2%

1263.00

-15

1.7%

1245.00

-27

1.7%

1241.00

-12

1.3%

1249.46

-24

1.0%

1259.67

-18

0.8%

1256.00

-17

0.7%

1227.10

-4

0.2%

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	939	-16.04	-1.68%	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	1,070	-14.97	-1.38%	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	5,894	-5.9	-0.1%	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	1,060	+0.11	+0.01%	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	910.7	-0.27	-0.03%	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	1,432.9	-29.69	-2.03%	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	830	-3.42	-0.41%	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	1,235	-42.15	-3.3%	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	770	-2.01	-0.26%	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	990	-5.98	-0.6%	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	767.6	+0.61	+0.08%	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	1,102	+0.99	+0.09%	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	1,800	-35.05	-1.91%	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	875	0	0%	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	890.1	-17.89	-1.97%	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	1,261	+4.02	+0.32%	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	1,031	+13.03	+1.28%	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	821	-98.99	-10.76%	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	923	0	0%	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	850	-9.02	-1.05%	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	710.9	-1.07	-0.15%	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	1,167.9	-0.12	-0.01%	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	1,242.32	-11.99	-1.08%	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	964.5	-2.71	-0.21%	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	5,894	13.03	1.28%	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	710.9	-98.99	-10.76%	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%