Ganapati Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,327.90

NPR -9.1-0.68%

09:13 AM NPT · May 12, 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

1,366.00

High

1,366.00

Low

1,305.00

Prev Close

1,337.00

Volume

1,167

Turnover

Rs 1,537,423

Txns

Valuation · Q2 FY25/26

EPS Ann.

-4.71

EPS TTM

17.54

BVPS

185.26

P/E Ann.

-281.93

P/E TTM

75.71

Graham #

N/A

Capital

Mkt Cap

2.01 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 Buy

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

50.82

ADX

24.62

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1342.42

SMA 50

1392.43

Bands & Channels

BB Width %

11.91%

Volume & Flow

OBV

614,209

Flow Analysis

[ Live 2026-05-12 ]

Total Buy

2,601

Shares Bought

Total Sell

2,601

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 45%

Distribution 55%

Accumulators

Quantity

791

Amount

1,028,022

Avg Rate

1299.65

Rank

#45

Brokers

#52#74

Distributors

Quantity

960

Amount

1,248,897

Avg Rate

1300.93

Rank

#42

Brokers

#50#13

Net Flow Impact:

-169units

(Rs. -220,875)

Net Flow by Timeframe

GMFBS — Broker Breakdown (7D)

13 Buyers15 Sellers

[ Vol: 4,197 ]

Buy Side

Total: 2,077

Broker

QTY

AVG

NET

421

1292.66

+317

16.2%

378

1333.22

+225

14.5%

370

1307.59

+370

14.2%

274

1299.72

+274

10.5%

146

1343.87

+116

5.6%

130

1344.23

+130

5.0%

124

1335.75

+114

4.8%

120

1318.81

+90

4.6%

1289.33

+30

1.1%

1339.67

+30

1.1%

1330.10

+20

0.8%

1340.00

+20

0.8%

1361.00

+14

0.5%

Sell Side

Total: 2,120

Broker

QTY

AVG

NET

630

1311.00

-585

24.2%

330

1281.72

-230

12.7%

194

1331.44

-160

7.5%

132

1316.37

-132

5.1%

130

1333.70

-9

5.0%

126

1328.00

-126

4.8%

100

1280.00

-100

3.8%

100

1310.30

-90

3.8%

1305.44

-20

3.5%

1300.00

-80

3.1%

1365.23

-30

2.3%

1310.10

-50

1.9%

1344.16

-49

1.9%

1359.96

-5

1.0%

1320.83

-24

0.9%

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	951	-8.54	-0.89%	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	1,112	-6.71	-0.6%	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	6,065	-394.69	-6.11%	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	1,128	-21.03	-1.83%	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	919	-3.97	-0.43%	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	1,464.1	-35.85	-2.39%	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	846.9	-16.14	-1.87%	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	1,495	+195	+15%	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	805	-113.95	-12.4%	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	1,060	-37.99	-3.46%	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	771	-11.98	-1.53%	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	1,138	+21.88	+1.96%	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	1,805	-39.66	-2.15%	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	904	-2.99	-0.33%	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	933	-16.91	-1.78%	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	-15.05	-1.14%	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	1,085	-34.94	-3.12%	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	889.7	+10.72	+1.22%	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	957.9	+6.94	+0.73%	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	900.5	-19.03	-2.07%	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	717.1	-17.93	-2.44%	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	1,195	-23.02	-1.89%	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	1,293.05	-26.63	-1.25%	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	1,008.95	-16.52	-1.81%	0.01	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	6,065	195	15%	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	717.1	-394.69	-12.4%	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%