Ganapati Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,124.00

NPR +24+2.18%

08:54 AM NPT · Sep 24, 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.

ganapatimicro.com.np/en/facebook X

Trading

Open

1,067.00

High

1,124.00

Low

1,067.00

Prev Close

1,100.00

Volume

300

Turnover

Rs 334,760

Txns

Valuation · Q4 FY25/26

EPS Ann.

28.68

EPS TTM

28.68

BVPS

158.00

P/E Ann.

39.19

P/E TTM

39.19

Graham #

319.31

Capital

Mkt Cap

1.7 Arab

Total

15.16 Lakh

Public

4.85 Lakh

Promoter

10.31 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

52.43

ADX

19.82

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1128

SMA 50

1168.42

Bands & Channels

BB Width %

9.33%

Volume & Flow

OBV

604,032

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

2,351

Shares Bought

Total Sell

2,351

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 36%

Distribution 64%

Accumulators

Quantity

896

Amount

986,534

Avg Rate

1101.04

Rank

#41

Brokers

#45#13

Distributors

Quantity

1,586

Amount

1,736,814

Avg Rate

1095.09

Rank

#38

Brokers

#88#58

Net Flow Impact:

-690units

(Rs. -750,280)

Net Flow by Timeframe

GMFBS — Broker Breakdown (7D)

15 Buyers13 Sellers

[ Vol: 4,265 ]

Buy Side

Total: 2,187

Broker

QTY

AVG

NET

511

1111.23

+511

21.7%

385

1087.52

+385

16.4%

240

1124.00

+105

10.2%

220

1093.00

+220

9.4%

150

1093.00

+150

6.4%

101

1090.89

4.3%

100

1086.00

+100

4.3%

100

1095.00

+100

4.3%

100

1091.00

+100

4.3%

1098.38

+70

3.4%

1085.57

+60

2.5%

1094.33

+50

2.5%

1093.00

+36

1.5%

1086.67

+30

1.3%

1087.74

+10

0.6%

Sell Side

Total: 2,078

Broker

QTY

AVG

NET

1,406

1092.62

-1,406

59.8%

180

1114.39

-160

7.7%

131

1125.99

-81

5.6%

120

1117.00

-120

5.1%

1094.11

-30

3.4%

1122.70

-40

1.7%

1091.32

-31

1.3%

1085.00

-30

1.3%

1089.00

-20

0.8%

1148.00

-10

0.4%

1122.00

-10

0.4%

1100.00

-10

0.4%

1090.10

-10

0.4%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Capital & Liabilities
Paid Up Capital	0	151,555	151,555	0	0.00%
Reserves and Surplus	0	117,375	89,975	0	+30.45%
Debentures and Bonds	0	0.00	0.00	0	-
Borrowings	1,635,314	1,766,956	1,475,318	0	-7.45%
Deposits	0	503,734	442,714	0	+13.78%
Income Tax Liabilities	0	0.00	12834.90	0	-100.00%
Other Liabilities	75,745	128,291	93,977	0	-40.96%
Total Capital & Liabilities	0	2,667,910	2,266,374	0	+17.72%
Assets
Cash and Bank Balance	0	267,806	99,182	0	+170.01%
Money at Call & Short Notice	0	0.00	0.00	0	-
Investments	0	0.00	0.00	0	-
Loan and Advances	0	2,293,912	2,053,200	0	+11.72%
Fixed Assets	0	8,284	8,949	0	-7.42%
Non Banking Assets	0	0.00	0.00	0	-
Other Assets	36,266	97,908	105,043	0	-62.96%
Total Assets	2,495,069	2,667,910	2,266,374	0	-6.48%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q4

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	877	-0.97	-0.11%	0	0.14	180.9	188.13%	7.96	27.79	27.79	336.32	9.04	8.24	12.44	6.01%	5.15	33.54	3.99	32.13	4.17	1.68	1.68%	16.48	16.48%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,174.4	-19.58	-1.64%	0.01	0.13	174.67	114%	7.78	32.63	32.63	358.1	8.56	7.25	17.03	8.57%	6.01	32.18	2.55	36.47	5.48	2.23	2.23%	19.62	19.62%
ANLB	4,987	+48.89	+0.99%	0	0.11	362.38	-	5.73	69.71	69.71	753.91	-	7.65	26.79	10.78%	19.87	103.29	3.24	71.8	27.67	3.07	3.07%	19.94	19.94%
AVYAN	1,060	+0.95	+0.09%	0	0.14	158.75	111.65%	8.35	57.04	57.04	451.38	8.37	8.5	27.5	7.41%	6.56	18.27	0.16	18.65	5.02	3.86	3.86%	39.92	39.92%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	956.8	+7.78	+0.82%	0.03	0.12	251.06	95.51%	5.35	35.91	35.91	450.39	6.23	5.32	19.33	2.3%	3.67	25.68	-	26.73	4.96	2.37	2.37%	14.96	14.96%
CYCL	1,630	+99.05	+6.47%	0	0.12	357.75	112.53%	6.62	110.66	110.66	943.79	7.91	6.61	33.9	14.04%	3.71	12	0.09	13.46	4.07	4.02	4.02%	34.85	34.85%
DDBL	861	+4.97	+0.58%	0.02	0.13	226.87	112.67%	5.38	48.15	48.15	495.77	7.76	7.42	26.83	6.49%	3.75	17.65	0.59	17.94	4.74	3.48	3.48%	23.1	23.1%
DLBS	1,205.1	-136.73	-10.19%	0	0.12	150.57	45.18%	11.27	15.72	15.72	230.77	7.98	6.58	7.08	20.52%	8.03	76.91	2.01	75.32	5.45	0.82	0.82%	9.82	9.82%
FMDBL	759.5	+9.52	+1.27%	0.01	0.06	137.26	123.87%	2.09	14.18	14.18	209.27	1.36	4.04	47.12	2.88%	6.27	60.65	1.2	53.67	28.58	3.06	3.06%	10.56	10.56%
FOWAD	900	+6.97	+0.78%	0.01	0.13	278.57	115.92%	6.23	52.14	52.14	571.67	7.56	6.59	21.07	16.17%	3.51	18.78	0.02	17.51	3.96	2.69	2.69%	19.74	19.74%
GBLBS	692	-0.48	-0.07%	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	1,139.5	+11.39	+1.01%	0.01	0.14	242.58	270.5%	6.57	61.87	61.87	581.11	8.81	8.56	25.61	8.7%	4.37	17.13	0.3	18.4	4.39	3.6	3.6%	27.61	27.61%
GLBSL	1,700	-9.92	-0.58%	0	0.14	169.51	352.61%	9.34	31.11	31.11	344.46	8.49	8.14	13.37	8.09%	10.41	56.7	-	55.45	7.58	1.87	1.87%	20.28	20.28%
HLBSL	869	+3.81	+0.44%	0	0.12	185.53	93.98%	8.71	31.26	31.26	361.24	8.3	7.31	14.98	9.04%	4.69	27.81	3.16	28.21	4.17	1.8	1.8%	18.06	18.06%
ILBS	950	-18	-1.86%	0	0.13	161.73	120.99%	6.56	36.66	36.66	365.24	8.82	8.07	22.62	12.92%	5.34	23.57	0.31	29.05	5.33	2.89	2.89%	23.03	23.03%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,278.8	+3.7	+0.29%	0.02	0.13	279.95	125.1%	6	61.8	61.8	623.92	7.19	7.21	25.61	5.33%	4.47	20.23	0.73	20.58	5.18	3.34	3.34%	24.42	24.42%
JSLBB	969	-0.97	-0.1%	0	0.12	175.1	110.76%	7.07	10.7	10.7	205.32	5.31	6.51	6.47	17.14%	5.71	93.36	3.8	92.34	6.04	0.75	0.75%	6.42	6.42%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	828	+17.98	+2.22%	0	0.13	178.73	114.65%	6.22	27.4	27.4	331.94	8.66	8.3	16.52	9.78%	4.32	28.2	9.34	31.39	4.66	2.21	2.21%	15.73	15.73%
LLBS	860	+5.98	+0.7%	0	0.13	204.16	194.11%	7.17	24.2	24.2	333.41	9.54	7.1	12.32	11.93%	4.51	38.01	0.08	35.99	4.68	1.59	1.59%	13.24	13.24%
MATRI	727.1	-21.79	-2.91%	0	0.12	145.42	114.29%	12.35	45.13	45.13	384.27	7.95	6.32	18.68	26.61%	5.77	18.59	0.03	16.37	3.47	2.3	2.3%	27.46	27.46%
MERO	607	+3.02	+0.5%	0.01	0.11	149.87	87.82%	8.3	8.47	8.47	169	8.37	5.92	6.22	17.32%	4.47	79.1	-	72.26	4.92	0.69	0.69%	5.63	5.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
MLBBL	978.9	+9.88	+1.02%	0	0.12	167.93	237.58%	7.88	20.07	20.07	275.38	7.03	6.92	11.91	9.89%	6.65	55.66	-	49.48	6.63	1.38	1.38%	11.97	11.97%

AVG	1,182.28	1.16	-0.01%	0.01	0.124	210.66	136.53%	7.16	39.21	39.06	421.39	7.68	7.18	19.65	10.77%	5.945	39.86	1.811	37.929	7.172	2.38	2.37%	18.95	18.9%
MED	953.4	3.75	0.47%	0	0.13	179.82	114.29%	6.85	34.27	34.27	363.24	8.13	7.23	18.83	9.41%	4.92	28.01	0.865	30.22	4.99	2.34	2.34%	18.84	18.84%
MAX	4,987	99.05	6.47%	0.03	0.14	362.38	352.61%	12.35	110.66	110.66	943.79	9.54	9.36	47.12	26.61%	19.87	103.29	9.34	92.34	28.58	4.02	4.02%	39.92	39.92%
MIN	607	-136.73	-10.19%	0	0.06	137.26	25.3%	2.09	8.47	8.47	169	1.36	4.04	6.22	2.3%	3.51	12	0.02	13.46	3.47	0.69	0.69%	5.63	5.63%