Kalika Laghubitta Bittiya Sanstha Ltd

MicrofinanceMid Cap

NPR 777.00

NPR +16.8+2.21%

09:14 AM NPT · Aug 7, 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

771.80

High

780.00

Low

760.00

Prev Close

760.20

Volume

5,331

Turnover

Rs 4,126,456.3

Txns

Valuation · Q3 FY25/26

EPS Ann.

4.37

EPS TTM

12.22

BVPS

154.96

P/E Ann.

177.80

P/E TTM

63.58

Graham #

123.44

Capital

Mkt Cap

3.17 Arab

Total

40.77 Lakh

Public

14.27 Lakh

Promoter

26.5 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

40.34

ADX

19.33

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

782.07

SMA 50

814.88

Bands & Channels

BB Width %

8.92%

Volume & Flow

OBV

1,338,845

Flow Analysis

[ Live 2026-08-07 ]

Total Buy

10,463

Shares Bought

Total Sell

10,463

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 68%

Distribution 32%

Accumulators

Quantity

6,976

Amount

5,379,404

Avg Rate

771.13

Rank

#12

Brokers

#13#32#58

Distributors

Quantity

3,221

Amount

2,464,778

Avg Rate

765.22

Rank

#29

Brokers

#18#17#74

Net Flow Impact:

+3,755units

(Rs. 2,914,626)

Net Flow by Timeframe

KMCDB — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 17,976 ]

Buy Side

Total: 9,480

Broker

QTY

AVG

NET

4,195

772.03

+4,108

40.1%

1,516

774.20

+1,482

14.5%

1,265

764.47

+1,055

12.1%

600

770.00

+183

5.7%

492

756.66

+332

4.7%

385

760.00

+284

3.7%

300

759.96

+299

2.9%

234

764.69

+224

2.2%

122

773.49

1.2%

102

751.37

+23

1.0%

760.91

+71

0.7%

762.64

+56

0.6%

766.20

+50

0.5%

760.20

+17

0.4%

761.00

+38

0.4%

Sell Side

Total: 8,496

Broker

QTY

AVG

NET

1,207

773.46

-1,117

11.5%

1,014

760.53

-1,014

9.7%

1,000

760.03

-1,000

9.6%

858

773.13

-848

8.2%

670

762.00

-670

6.4%

630

762.01

-263

6.0%

625

760.73

-625

6.0%

514

779.46

-486

4.9%

421

774.86

-317

4.0%

319

772.00

-319

3.0%

310

775.06

-310

3.0%

300

779.00

-287

2.9%

236

765.07

-236

2.3%

232

773.53

-232

2.2%

160

774.50

-152

1.5%

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	917	-3.04	-0.33%	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	1,091	+5.97	+0.55%	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	5,996	+471.77	+8.54%	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	1,053	+11.04	+1.06%	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	929	-0.93	-0.1%	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	1,280	-10.06	-0.78%	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	829	-6.01	-0.72%	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	1,165	-17.14	-1.45%	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	781	+22.97	+3.03%	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	930	+2.87	+0.31%	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	738	+1.03	+0.14%	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	1,070	-19.95	-1.83%	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	1,795.9	-5.04	-0.28%	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	1,154	-29.1	-2.46%	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	870	-10.03	-1.14%	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	876.9	-2.11	-0.24%	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	1,260.8	+0.76	+0.06%	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	980	-10	-1.01%	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	885	-9.84	-1.1%	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	811	-1.22	-0.15%	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	661.2	-4.8	-0.72%	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	1,119	-2.02	-0.18%	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	1,236.04	17.51	0.05%	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	955	-2.57	-0.26%	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	5,996	471.77	8.54%	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	661.2	-29.1	-2.46%	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%