Kalika Laghubitta Bittiya Sanstha Ltd

MicrofinanceMid Cap

NPR 820.00

NPR +48+6.22%

09:13 AM NPT · Sep 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

740.00

High

825.00

Low

740.00

Prev Close

772.00

Volume

11,566

Turnover

Rs 9,361,626.2

Txns

Valuation · Q4 FY25/26

EPS Ann.

27.40

EPS TTM

27.40

BVPS

178.73

P/E Ann.

29.93

P/E TTM

29.93

Graham #

331.94

Capital

Mkt Cap

3.34 Arab

Total

40.77 Lakh

Public

14.27 Lakh

Promoter

26.5 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

62.79

ADX

28.92

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

781.4

SMA 50

788.11

Bands & Channels

BB Width %

7.61%

Volume & Flow

OBV

1,355,455

Flow Analysis

[ Live 2026-09-07 ]

Total Buy

24,130

Shares Bought

Total Sell

24,130

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 58%

Distribution 42%

Accumulators

Quantity

13,546

Amount

10,721,492

Avg Rate

791.49

Rank

Brokers

#48#95

Distributors

Quantity

9,775

Amount

7,662,164

Avg Rate

783.85

Rank

Brokers

#13#59#50

Net Flow Impact:

+3,771units

(Rs. 3,059,328)

Net Flow by Timeframe

KMCDB — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 38,159 ]

Buy Side

Total: 21,514

Broker

QTY

AVG

NET

9,630

795.22

+6,899

39.9%

3,916

782.32

+3,596

16.2%

3,266

808.27

+2,263

13.5%

1,188

805.21

+1,121

4.9%

585

774.15

+375

2.4%

540

769.67

+440

2.2%

481

770.77

+293

2.0%

420

792.74

+385

1.7%

366

805.84

+91

1.5%

278

779.45

+231

1.1%

243

759.10

+226

1.0%

234

788.19

+16

1.0%

164

747.45

+130

0.7%

152

772.00

+92

0.6%

763.04

+33

0.2%

Sell Side

Total: 16,645

Broker

QTY

AVG

NET

4,399

807.16

-4,168

18.2%

3,461

767.50

-3,191

14.3%

1,915

759.86

-1,871

7.9%

1,071

798.04

-1,057

4.4%

868

795.65

-668

3.6%

739

791.12

-739

3.1%

587

788.24

-187

2.4%

523

807.52

-463

2.2%

517

805.16

-517

2.1%

510

811.67

-510

2.1%

501

814.93

-46

2.1%

491

782.70

-409

2.0%

373

757.52

-373

1.6%

350

803.79

-203

1.4%

340

797.07

-287

1.4%

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	886	-8.86	-0.99%	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	4.07	32.78	4.17	1.68	1.68%	16.48	16.48%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,102.1	-87.94	-7.39%	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	2.31	33.07	5.48	2.23	2.23%	19.62	19.62%
ANLB	4,908	-115.54	-2.3%	0	0.11	362.38	-	5.73	69.71	69.71	753.91	-	7.65	26.79	10.78%	19.87	103.29	3.33	73.73	27.67	3.07	3.07%	19.94	19.94%
AVYAN	1,002	-5.04	-0.5%	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	18.23	5.02	3.86	3.86%	39.92	39.92%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	943	+11	+1.18%	0.03	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	-	26.16	4.96	2.37	2.37%	14.96	14.96%
CYCL	1,584	-15.84	-0.99%	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	13.25	4.07	4.02	4.02%	34.85	34.85%
DDBL	841.1	+10.14	+1.22%	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	0.58	17.44	4.74	3.48	3.48%	23.1	23.1%
DLBS	1,000	+6.95	+0.7%	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	1.74	65.33	5.45	0.82	0.82%	9.82	9.82%
FMDBL	739.8	+13.79	+1.9%	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	1.19	53.46	28.58	3.06	3.06%	10.56	10.56%
FOWAD	880	+5.51	+0.63%	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	17.61	3.96	2.69	2.69%	19.74	19.74%
GBLBS	657	-2.97	-0.45%	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	1,116	+24.98	+2.29%	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	0.28	17.62	4.39	3.6	3.6%	27.61	27.61%
GLBSL	1,601.1	-9.83	-0.61%	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	-	55.61	7.58	1.87	1.87%	20.28	20.28%
GMFBS	1,145	+78.4	+7.35%	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	17.72	40.41	5.77	1.68	1.68%	17.09	17.09%
HLBSL	855	0	0%	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	3.12	27.83	4.17	1.8	1.8%	18.06	18.06%
ILBS	836.9	-0.08	-0.01%	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	0.25	23.43	5.33	2.89	2.89%	23.03	23.03%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,252	+3.87	+0.31%	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	0.72	20.33	5.18	3.34	3.34%	24.42	24.42%
JSLBB	944	-5.79	-0.61%	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	3.72	90.37	6.04	0.75	0.75%	6.42	6.42%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
LLBS	870.5	+24.37	+2.88%	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	36.24	4.68	1.59	1.59%	13.24	13.24%
MATRI	723	+6.8	+0.95%	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	17.46	3.47	2.3	2.3%	27.46	27.46%
MERO	600	-6	-0.99%	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	-	75.09	4.92	0.69	0.69%	5.63	5.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
MLBBL	945	+19.98	+2.16%	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	-	49.68	6.63	1.38	1.38%	11.97	11.97%

AVG	1,155.98	-2.37	0.31%	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	2.245	37.562	7.222	2.35	2.34%	19.01	18.96%
MED	943.5	1.93	0.16%	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	0.86	30.305	5.1	2.34	2.34%	18.84	18.84%
MAX	4,908	78.4	7.35%	0.03	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	17.72	90.37	28.58	4.02	4.02%	39.92	39.92%
MIN	600	-115.54	-7.39%	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	13.25	3.47	0.69	0.69%	5.63	5.63%