Kalika Laghubitta Bittiya Sanstha Ltd

MicrofinanceMid Cap

NPR 806.00

NPR -0.9-0.11%

09:14 AM NPT · Jul 24, 2026

Est. 2010 AD · Buddhachowk, Pokhara-10, Nepal · CEO: Mahendra Adhikari

Kalika Laghubitta Bittiya Sanstha Limited (KLBSL) is a public limited microfinance institution established in 2010 AD (2067 BS) with a mission to empower rural communities across Nepal. By identifying and mobilizing local resources, KLBSL focuses on transforming hardworking individuals into successful entrepreneurs through accessible microcredit and financial services. The institution plays a key role in Nepal’s national poverty reduction efforts by enabling community participation in income generation and local economic development. Through its network of branches across the country, KLBSL provides financial inclusion, business loans, savings services, and financial literacy programs, fostering self-reliance and sustainable growth. With its commitment to socioeconomic upliftment, entrepreneurship promotion, and community empowerment, Kalika Laghubitta continues to make a meaningful impact on the lives of underserved populations in rural Nepal.

Trading

Open

800.00

High

806.00

Low

791.60

Prev Close

806.90

Volume

1,517

Turnover

Rs 1,213,012.1

Txns

Valuation · Q3 FY25/26

EPS Ann.

4.37

EPS TTM

12.22

BVPS

154.96

P/E Ann.

184.44

P/E TTM

65.96

Graham #

123.44

Capital

Mkt Cap

3.29 Arab

Total

40.77 Lakh

Public

14.27 Lakh

Promoter

26.5 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

49.06

ADX

11.66

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

799.08

SMA 50

833.06

Bands & Channels

BB Width %

9.83%

Volume & Flow

OBV

1,362,249

Flow Analysis

[ Live 2026-07-24 ]

Total Buy

7,760

Shares Bought

Total Sell

7,760

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 48%

Distribution 52%

Accumulators

Quantity

3,162

Amount

2,538,712

Avg Rate

802.88

Rank

#31

Brokers

#17#45#42

Distributors

Quantity

3,443

Amount

2,750,378

Avg Rate

798.83

Rank

#30

Brokers

#34#38#74

Net Flow Impact:

-281units

(Rs. -211,666)

Net Flow by Timeframe

KMCDB — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 12,481 ]

Buy Side

Total: 5,495

Broker

QTY

AVG

NET

2,090

804.77

+2,009

26.9%

572

796.30

+501

7.4%

500

802.51

+500

6.4%

318

795.28

+318

4.1%

257

804.25

+244

3.3%

252

800.54

+225

3.3%

251

795.96

+251

3.2%

218

782.72

+218

2.8%

200

795.00

+200

2.6%

170

796.22

+154

2.2%

152

798.86

+132

2.0%

150

796.50

+70

1.9%

150

789.33

+150

1.9%

115

795.00

+115

1.5%

100

800.10

+100

1.3%

Sell Side

Total: 6,986

Broker

QTY

AVG

NET

1,785

795.28

-1,125

23.0%

1,060

803.92

-930

13.7%

598

800.41

-567

7.7%

540

803.40

-155

7.0%

518

810.31

-84

6.7%

364

797.80

-335

4.7%

356

781.68

-356

4.6%

345

798.52

-275

4.5%

338

802.23

-288

4.4%

281

807.24

-231

3.6%

250

796.00

-250

3.2%

204

801.00

-204

2.6%

120

807.52

-74

1.6%

117

801.67

-105

1.5%

110

805.91

-110

1.4%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Capital & Liabilities
Paid Up Capital	448,462	407,692	372,322	0	+10.00%
Reserves and Surplus	246,455	312,238	238,970	0	-21.07%
Debentures and Bonds	0.00	0.00	0.00	0	-
Borrowings	2,827,596	2,668,161	1,975,915	0	+5.98%
Deposits	1,891,058	1,588,817	1,306,099	0	+19.02%
Income Tax Liabilities	0.00	10858.48	15341.23	0	-100.00%
Other Liabilities	119,779	83,119	59,865	0	+44.11%
Total Capital & Liabilities	5,533,349	5,070,885	3,968,512	0	+9.12%
Assets
Cash and Bank Balance	349,451	251,247	203,866	0	+39.09%
Money at Call & Short Notice	55,383	59,273	0	0	-6.56%
Investments	2,000	2,000	2,000	0	0.00%
Loan and Advances	4,988,592	4,680,937	3,692,465	0	+6.57%
Fixed Assets	82,644	15,524	15,080	0	+432.38%
Non Banking Assets	0.00	0.00	0.00	0	-
Other Assets	55,280	61,905	55,101	0	-10.70%
Total Assets	5,533,349	5,070,885	3,968,512	0	+9.12%

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)	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ACLBSL	945	-5.04	-0.53%	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	27.8	8.06	2.08	2.11%	20.84	21.15%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,087	-7.88	-0.72%	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	27.75	11.07	2.05	2.79%	19.25	26.22%
ANLB	6,659	+841.25	+14.46%	0.01	0.11	484.74	-	4.49	82.49	91.55	999.25	-	8.2	29.25	11.17%	17.78	78.37	64.88	40.76	3.21	3.57%	19.63	21.79%
AVYAN	1,089	+10.03	+0.93%	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	19.62	10.11	3.72	4.02%	38.32	41.45%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	938	+5.97	+0.64%	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	1,376	+6.03	+0.44%	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	854	+4.08	+0.48%	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	18.6	8.53	3.27	3.39%	22.63	23.43%
DLBS	1,220.1	+6.07	+0.5%	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	59.75	10.47	0.95	1.11%	11.75	13.61%
FMDBL	780	0	0%	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	60.68	47.77	2.33	2.69%	8.72	10.06%
FOWAD	997	+1	+0.1%	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	64.74	8.62	0.95	0.84%	7.36	6.5%
GBLBS	761	+1.97	+0.26%	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	21.24	6.63	2.61	2.4%	14	12.85%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,120	+9.99	+0.9%	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	24.01	8.52	2.73	2.85%	22.17	23.11%
GLBSL	1,800	+6.99	+0.39%	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	45.47	14.11	2.45	2.41%	27.36	26.86%
GMFBS	1,246	0	0%	0	0.13	169.51	105.16%	9.23	53.71	52.94	449.35	7.56	8.55	24.17	14.29%	10.85	25.69	24.52	11.04	3.16	3.12%	32.12	31.67%
HLBSL	900.9	-2.08	-0.23%	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	25.72	8.05	1.96	2.17%	19.36	21.37%
ILBS	884	-7.94	-0.89%	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	1,283	-6.06	-0.47%	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	22.45	9.83	2.65	3.22%	20.73	25.09%
JSLBB	1,039	+12.32	+1.2%	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	55.5	13.28	0.59	1.45%	5.12	12.49%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LLBS	935	-1.97	-0.21%	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	156.72	9.23	1.16	0.4%	9.57	3.33%
MATRI	843	-21	-2.43%	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	99.78	8.04	0.73	0.44%	9.15	5.47%
MERO	694	-9.78	-1.39%	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	46.16	10.26	1.16	1.39%	8.95	10.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
MLBBL	1,150	-9.86	-0.85%	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	29.61	13.65	2.89	3.09%	21.88	23.3%

AVG	1,300.05	37.91	0.57%	0.01	0.122	204.48	136.8%	7.49	32.8	35.99	396.64	7.58	7.45	17.07	11.55%	8.542	47.8	44.636	13.086	2.07	2.28%	17.18	18.91%
MED	1,018	0.5	0.05%	0	0.13	178.61	111.22%	7.1	32.55	35.86	386.39	7.86	7.66	16.88	9.96%	8.05	41.76	28.705	9.97	2.17	2.41%	16.93	21.26%
MAX	6,659	841.25	14.46%	0.03	0.15	484.74	379.35%	14.4	82.49	91.55	999.25	8.88	9.37	36.69	23.93%	17.78	141.53	156.72	47.77	3.72	4.02%	38.32	41.45%
MIN	694	-21	-2.43%	0	0.06	131.53	25.3%	2.27	8.09	6.03	161.78	1.37	4.79	5.27	2.32%	3.55	19.06	18.6	6.63	0.59	0.4%	5.12	3.33%