Kalika Laghubitta Bittiya Sanstha Ltd

MicrofinanceMid Cap

NPR 784.00

NPR -4.9-0.62%

09:12 AM NPT · Oct 16, 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

792.00

High

798.40

Low

775.20

Prev Close

788.90

Volume

1,145

Turnover

Rs 901,478.2

Txns

Valuation · Q4 FY25/26

EPS Ann.

27.40

EPS TTM

27.40

BVPS

178.73

P/E Ann.

28.61

P/E TTM

28.61

Graham #

331.94

Capital

Mkt Cap

3.2 Arab

Total

40.77 Lakh

Public

14.27 Lakh

Promoter

26.5 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

44.22

ADX

47.03

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

805.58

SMA 50

794.13

Bands & Channels

BB Width %

13.82%

Volume & Flow

OBV

1,396,050

Flow Analysis

[ Live 2026-10-16 ]

Total Buy

5,700

Shares Bought

Total Sell

5,700

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 43%

Distribution 57%

Accumulators

Quantity

1,878

Amount

1,480,994

Avg Rate

788.60

Rank

#32

Brokers

#34#95

Distributors

Quantity

2,516

Amount

1,969,688

Avg Rate

782.86

Rank

#31

Brokers

#48#77#29

Net Flow Impact:

-638units

(Rs. -488,694)

Net Flow by Timeframe

KMCDB — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 9,690 ]

Buy Side

Total: 4,630

Broker

QTY

AVG

NET

1,078

790.68

+1,061

18.9%

800

785.80

+700

14.0%

510

789.73

+510

8.9%

431

782.27

+400

7.6%

365

778.68

+365

6.4%

233

781.85

+213

4.1%

221

779.71

+133

3.9%

175

785.31

+174

3.1%

166

779.20

+166

2.9%

134

785.41

+114

2.4%

120

782.83

+60

2.1%

110

771.11

+10

1.9%

100

788.00

+100

1.8%

100

773.00

+100

1.8%

788.80

+87

1.5%

Sell Side

Total: 5,060

Broker

QTY

AVG

NET

1,226

783.68

-756

21.5%

712

785.50

-712

12.5%

578

777.90

-578

10.1%

534

790.14

-474

9.4%

400

802.50

-285

7.0%

370

778.07

-358

6.5%

334

795.58

-208

5.9%

217

772.94

-217

3.8%

150

784.40

-150

2.6%

130

784.62

-120

2.3%

112

775.27

-102

2.0%

100

786.25

-100

1.8%

790.93

-48

1.3%

799.08

-64

1.1%

789.00

-58

1.0%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Capital & Liabilities
Paid Up Capital	0	407,692	372,322	0	+9.50%
Reserves and Surplus	0	352,407	270,667	0	+30.20%
Debentures and Bonds	0	0.00	0.00	0	-
Borrowings	2,793,510	2,791,770	2,139,907	0	+0.06%
Deposits	0	1,646,933	1,355,134	0	+21.53%
Income Tax Liabilities	0	11,576	8,319	0	+39.15%
Other Liabilities	129,574	85,278	69,698	0	+51.94%
Total Capital & Liabilities	0	5,295,656	4,216,046	0	+25.61%
Assets
Cash and Bank Balance	0	311,828	264,815	0	+17.75%
Money at Call & Short Notice	0	59,273	0	0	-
Investments	0	2,000	2,000	0	0.00%
Loan and Advances	0	4,847,429	3,903,245	0	+24.19%
Fixed Assets	0	13,983	12,203	0	+14.59%
Non Banking Assets	0	0.00	0.00	0	-
Other Assets	28,988	61,143	33,783	0	-52.59%
Total Assets	5,785,272	5,295,656	4,216,046	0	+9.25%

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	850	+10	+1.19%	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	1,183	-4.04	-0.34%	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	4,996	+46.03	+0.93%	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	1,055	+26.03	+2.53%	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	979.5	+3.51	+0.36%	0.04	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	1,488	+10.05	+0.68%	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	865	+1.98	+0.23%	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	1,105	+15.04	+1.38%	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	722	-1.01	-0.14%	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	903	+12.99	+1.46%	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	669.9	+15	+2.29%	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	1,108	+9.67	+0.88%	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	1,510	-20.04	-1.31%	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%
GMFBS	1,071.9	+12.4	+1.17%	0	0.12	158	105.93%	9.42	28.68	28.68	319.31	8.51	7.16	13.91	13.79%	7.52	41.42	17.08	38.95	5.77	1.68	1.68%	17.09	17.09%
HLBSL	864	-1.21	-0.14%	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	926.9	+9.9	+1.08%	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	1,285	+4.99	+0.39%	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	929	+22.04	+2.43%	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	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LLBS	814	+5.98	+0.74%	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	708	+0.99	+0.14%	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	599.9	+11.99	+2.04%	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	930	+0.09	+0.01%	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	1,161.96	8.75	0.82%	0.01	0.124	209.72	136.12%	7.3	39.27	39.12	420.82	7.68	7.13	19.54	10.95%	6.09	40.46	2.241	38.273	7.222	2.35	2.34%	19.01	18.96%
MED	929.5	9.78	0.81%	0	0.125	178	114%	7.12	34.27	34.27	363.24	8.13	7.19	18.83	9.47%	5.245	29.99	0.865	30.59	5.1	2.34	2.34%	18.84	18.84%
MAX	4,996	46.03	2.53%	0.04	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	17.08	92.34	28.58	4.02	4.02%	39.92	39.92%
MIN	599.9	-20.04	-1.31%	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%