NIC ASIA Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 583.00

NPR +5+0.87%

09:14 AM NPT · May 11, 2026

Est. 25 July 2017 · Trade Tower, Thapathali, Kathmandu, Bagmati Province, Nepal · CEO: Chola Raj Sharma Joshi

NIC Asia Laghubitta Bittiya Sanstha Limited is a leading national-level microfinance institution in Nepal, licensed by the Nepal Rastra Bank (NRB) as a “D” class financial institution. Established under the umbrella of NIC Asia Bank’s broader financial ecosystem, the institution aims to promote financial inclusion, poverty reduction, and economic empowerment across rural and underserved regions of the country. With a strong outreach network, NIC Asia Laghubitta provides micro-loans, savings and deposit services, micro-insurance solutions, remittance facilities, and group-based lending programs to low-income households, women entrepreneurs, and small businesses. Beyond financial services, the institution also delivers financial literacy, skill development training, and community-based support initiatives designed to uplift socio-economic well-being. Guided by a modern management framework, digitalized operations, and a customer-centric approach, NIC Asia Laghubitta Bittiya Sanstha Limited emphasizes responsible lending, transparent governance, and sustainable economic development. Through its commitment to empowering rural communities, the institution plays a significant role in strengthening Nepal’s microfinance sector and broadening access to formal financial services.

nicasialaghubitta.com/facebook

Trading

Open

583.00

High

584.00

Low

575.40

Prev Close

578.00

Volume

18,714

Turnover

Rs 10,837,195.8

Txns

133

Valuation · Q2 FY25/26

EPS Ann.

2.16

EPS TTM

-24.95

BVPS

122.30

P/E Ann.

269.91

P/E TTM

-23.37

Graham #

77.10

Capital

Mkt Cap

10.14 Arab

Total

1.74 Crore

Public

55.66 Lakh

Promoter

1.18 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

44.67

ADX

36.2

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

586.02

SMA 50

596.35

Bands & Channels

BB Width %

8.35%

Volume & Flow

OBV

-985,435

Flow Analysis

[ Live 2026-05-11 ]

Total Buy

38,495

Shares Bought

Total Sell

38,495

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 39%

Distribution 61%

Accumulators

Quantity

12,635

Amount

7,292,125

Avg Rate

577.14

Rank

#13

Brokers

#56#88#58

Distributors

Quantity

19,660

Amount

11,333,647

Avg Rate

576.48

Rank

Brokers

#49#63#44#43

Net Flow Impact:

-7,025units

(Rs. -4,041,522)

Net Flow by Timeframe

NICLBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 57,153 ]

Buy Side

Total: 27,165

Broker

QTY

AVG

NET

7,050

578.08

+7,020

18.3%

3,114

574.56

+2,460

8.1%

2,896

577.39

+1,782

7.5%

2,471

577.68

+2,471

6.4%

1,970

577.51

+1,720

5.1%

1,864

574.23

+1,240

4.8%

1,727

574.44

+716

4.5%

1,361

574.57

+1,116

3.5%

1,152

570.47

+927

3.0%

818

576.46

+388

2.1%

639

572.00

+619

1.7%

593

580.53

+548

1.5%

510

582.00

+480

1.3%

500

576.95

+500

1.3%

500

580.00

+479

1.3%

Sell Side

Total: 29,988

Broker

QTY

AVG

NET

10,524

577.67

-9,357

27.3%

4,200

574.67

-3,200

10.9%

2,566

571.83

-2,441

6.7%

2,370

579.45

-1,969

6.2%

1,518

578.03

-378

3.9%

1,470

570.49

-74

3.8%

1,300

576.96

-85

3.4%

1,184

576.71

-154

3.1%

1,040

574.97

-1,030

2.7%

776

571.79

-456

2.0%

750

580.56

-750

1.9%

701

566.78

-411

1.8%

591

578.75

-591

1.5%

538

572.44

-528

1.4%

460

571.94

-150

1.2%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Capital & Liabilities
Paid Up Capital	1,739,440,000	1,739,440,000	1,739,440,000	1,739,440,000	0.00%
Reserves and Surplus	387,967,648	825,347,607	1,063,959,391	1,526,924,800	-52.99%
Debentures and Bonds	0.00	0.00	0.00	0.00	-
Borrowings	17,949,726,591	15,736,001,786	14,608,441,468	15,100,297,759	+14.07%
Deposits	2,598,992,216	1,804,533,777	1,815,944,971	3,366,710,946	+44.03%
Income Tax Liabilities	0.00	0.00	0.00	4847612.00	-
Other Liabilities	224,115,863	556,967,034	407,914,727	624,135,372	-59.76%
Total Capital & Liabilities	22,900,242,318	20,662,290,203	19,635,700,558	22,362,356,489	+10.83%
Assets
Cash and Bank Balance	3,515,812,633	3,347,259,849	2,616,590,285	1,352,370,272	+5.04%
Money at Call & Short Notice	0.00	0.00	0.00	0.00	-
Investments	12,888,000	12,888,000	12,450,000	11,500,000	0.00%
Loan and Advances	18,781,821,101	16,305,186,832	16,550,644,653	20,444,121,064	+15.19%
Fixed Assets	251,406,337	264,453,254	76,776,645	115,492,912	-4.93%
Non Banking Assets	0.00	0.00	0.00	0.00	-
Other Assets	338,314,248	732,502,268	379,238,976	438,872,242	-53.81%
Total Assets	22,900,242,319	20,662,290,203	19,635,700,558	22,362,356,489	+10.83%

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	959.5	+9.5	+1%	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	1,118.7	+8.66	+0.78%	0.01	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	6,460	+410.18	+6.78%	0.01	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	1,149	+26.05	+2.32%	0	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	923	+23.04	+2.56%	0.03	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	1,500	+29.99	+2.04%	0	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	863	+15.01	+1.77%	0.02	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	1,300	-18.99	-1.44%	0	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	919	+114.2	+14.19%	0.01	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	1,098	-1.98	-0.18%	0.01	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	783	+12.03	+1.56%	0.01	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	1,116.1	-1.9	-0.17%	0.01	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	1,844.7	+24.75	+1.36%	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	1,337	+14.94	+1.13%	0	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%
HLBSL	907	+7.2	+0.8%	0	0.11	167.35	95.52%	26.24	32.38	349.17	8.6%	7.9%	8.58%	13.2%	10.68	34.05	0.57	34.49	27.95	17.99	1.48%	1.82%	16.98%	20.97%
ILBS	949.9	+4.91	+0.52%	0	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	1,320	+11	+0.84%	0.02	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	1,120	+0.11	+0.01%	0	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	879	-6.82	-0.77%	0	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	951	-13.01	-1.35%	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	919.5	+19.53	+2.17%	0.01	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	735	+10	+1.38%	0.01	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	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,325.11	31.74	1.7%	0.01	0.12	198.73	121.2%	30.13	33.51	377.47	7.17%	7.51%	9.6%	15.6%	12.864	30.066	44.361	29.712	44.435	28.438	1.77%	2.01%	16.1%	18.21%
MED	1,028.75	10.5	1.07%	0.01	0.13	175	110.26%	29.64	33.79	363.3	8.09%	7.44%	9.06%	15.18%	11.575	37	0.385	35.26	32.42	20.49	1.99%	2.08%	16.12%	16.7%
MAX	6,460	410.18	14.19%	0.03	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	735	-18.99	-1.44%	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%