Himalayan Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 896.00

NPR +6+0.67%

06:41 AM NPT · May 14, 2026

Est. 2067-12-01 B.S. (Licensed by NRB in 2069 B.S. and began operations on 2069-03-21) · Chabahil, Kathmandu, Nepal · CEO: Binod Acharya

Himalayan Laghubitta Bittiya Sanstha Limited (HLBSL) is a Nepalese micro-finance institution (class D) established to provide financial services to underserved populations, especially in rural and semi-urban areas, with a focus on micro-credit, savings, and financial inclusion. HLBSL was incorporated as a public limited company under the Companies Act on 1st Chaitra 2067 B.S. (around March 2011 A.D.). The institution obtained its microfinance license from the central bank (as a “D-class financial institution”) in 2069 B.S., and began operations on 21 Ashad 2069 (5 July 2012). Its registered head office is located in Chabahil, Kathmandu, Nepal. HLBSL is a subsidiary of Himalayan Bank Limited leveraging the parent bank’s institutional strength while focusing on microfinance and financial inclusion. Over the years, HLBSL has grown its branch and client network significantly. As of the most recent disclosures, it serves tens of thousands of clients/members and has a broad network of branches across many districts offering micro-loans, savings, group lending, and services targeted at low-income households, rural entrepreneurs, women, and small businesses. The institution aims to support livelihoods, promote small-scale enterprise, and contribute to rural economic development by providing accessible credit and savings services to those often excluded from mainstream banking.

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Trading

Open

870.00

High

896.00

Low

870.00

Prev Close

890.00

Volume

325

Turnover

Rs 289,074

Txns

Valuation · Q2 FY25/26

EPS Ann.

26.24

EPS TTM

32.38

BVPS

167.35

P/E Ann.

34.15

P/E TTM

27.67

Graham #

314.33

Capital

Mkt Cap

2.87 Arab

Total

31.98 Lakh

Public

15.67 Lakh

Promoter

16.31 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Weak

Momentum

RSI (14)

40.18

ADX

9.38

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

898.83

SMA 50

922.28

Bands & Channels

BB Width %

5.24%

Volume & Flow

OBV

1,186,923

Flow Analysis

[ Live 2026-05-13 ]

Total Buy

4,747

Shares Bought

Total Sell

4,747

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 49%

Distribution 51%

Accumulators

Quantity

1,937

Amount

1,745,529

Avg Rate

901.15

Rank

#37

Brokers

#10#14

Distributors

Quantity

2,033

Amount

1,821,399

Avg Rate

895.92

Rank

#39

Brokers

#49#6#28

Net Flow Impact:

-96units

(Rs. -75,870)

Net Flow by Timeframe

HLBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 8,205 ]

Buy Side

Total: 4,250

Broker

QTY

AVG

NET

990

911.00

+990

20.9%

947

890.85

+947

19.9%

650

898.87

+350

13.7%

500

893.10

+479

10.5%

500

885.20

+247

10.5%

266

901.34

+266

5.6%

100

150

880.00

+150

3.2%

897.66

+42

1.6%

880.10

+46

1.2%

887.50

+34

0.7%

872.23

+30

0.6%

910.00

+20

0.4%

872.60

+12

0.3%

872.50

+10

0.2%

880.10

+10

0.2%

Sell Side

Total: 3,955

Broker

QTY

AVG

NET

1,033

887.65

-1,022

21.8%

600

910.60

-407

12.6%

400

895.25

-400

8.4%

350

895.27

-350

7.4%

306

901.54

-288

6.5%

300

880.85

-300

6.3%

300

890.00

-300

6.3%

147

895.17

-6

3.1%

132

883.15

-132

2.8%

109

898.90

-9

2.3%

100

899.90

-100

2.1%

895.94

-52

1.3%

893.21

-44

0.9%

901.90

-40

0.8%

872.48

-32

0.7%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Capital & Liabilities
Paid Up Capital	341,086,036	319,818,200	319,818,200	288,124,442	+6.65%
Reserves and Surplus	229,712,798	162,602,862	144,472,955	170,175,417	+41.27%
Debentures and Bonds	0.00	0.00	0.00	0.00	-
Borrowings	4,053,834,956	4,367,730,899	2,990,764,397	2,710,635,869	-7.19%
Deposits	1,179,936,522	1,010,260,442	953,862,112	1,071,546,405	+16.80%
Income Tax Liabilities	0.00	0.00	0.00	0.00	-
Other Liabilities	217,849,760	191,486,660	168,521,983	181,796,465	+13.77%
Total Capital & Liabilities	6,022,420,072	6,051,899,062	4,577,439,647	4,422,278,598	-0.49%
Assets
Cash and Bank Balance	928,245,401	1,263,361,689	110,326,543	152,279,867	-26.53%
Money at Call & Short Notice	15,602,719	0	0	0	-
Investments	1,200,000	1,200,000	0	0	0.00%
Loan and Advances	4,999,526,402	4,694,231,283	4,396,981,043	4,211,790,340	+6.50%
Fixed Assets	43,673,077	48,066,906	34,581,842	35,838,057	-9.14%
Non Banking Assets	0.00	0.00	0.00	0.00	-
Other Assets	34,172,473	45,039,185	35,550,218	22,370,333	-24.13%
Total Assets	6,022,420,072	6,051,899,062	4,577,439,647	4,422,278,598	-0.49%

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	954	0	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	-7.42	-0.67%	-	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	6,010	-39.93	-0.66%	-	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	1,110.1	+5.08	+0.46%	-	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	921	+2.02	+0.22%	-	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	1,470	-2.06	-0.14%	-	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	845	-1.18	-0.14%	-	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	1,289	-39.04	-2.94%	-	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	787	-6.03	-0.76%	-	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	1,045	-5.15	-0.49%	-	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	760	-2.21	-0.29%	-	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	1,115	-1.45	-0.13%	-	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	1,780	0	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%
GMFBS	1,325	-7.86	-0.59%	-	0.14	185.26	107.54%	-4.71	17.54	270.39	8.32%	8.86%	14.37%	-2.06%	16.14	-317.41	0	-309.55	83.12	26.18	-0.28%	1.07%	-2.96%	11.05%
ILBS	947	+11.97	+1.28%	-	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	1,300.1	+0.13	+0.01%	-	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	1,072.3	-27.72	-2.52%	-	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	884	-0.8	-0.09%	-	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	960	+2.11	+0.22%	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	891	-19.02	-2.09%	-	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	714	-1	-0.14%	-	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	1,180	-12.04	-1.01%	-	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	1,293.61	-6.89	-0.48%	0	0.121	201.29	127.58%	31.09	34.05	383.1	7.14%	7.56%	9.59%	16.06%	12.915	29.789	44.389	29.399	44.498	28.81	1.85%	2.07%	16.4%	18.27%
MED	1,058.65	-1.76	-0.14%	0	0.13	182.2	111.28%	31.57	34.61	371.05	7.89%	7.44%	9.06%	15.97%	11.735	37	0.385	35.26	32.42	21.265	2.01%	2.21%	16.12%	16.7%
MAX	6,010	11.97	1.28%	0	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	714	-39.93	-2.94%	0	0.03	119.9	0%	-4.71	8.11	158.91	0%	4.14%	2.45%	-2.06%	5.57	-317.41	0	-309.55	0	14.76	-0.28%	0.45%	-2.96%	4.65%