NIC ASIA Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 547.00

NPR -2-0.36%

09:14 AM NPT · Aug 7, 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

545.20

High

552.00

Low

545.00

Prev Close

549.00

Volume

7,143

Turnover

Rs 3,906,603.8

Txns

Valuation · Q3 FY25/26

EPS Ann.

8.20

EPS TTM

-19.72

BVPS

127.35

P/E Ann.

66.71

P/E TTM

-27.74

Graham #

153.28

Capital

Mkt Cap

9.51 Arab

Total

1.74 Crore

Public

55.66 Lakh

Promoter

1.18 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

29.78

ADX

24.1

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

555.91

SMA 50

560.91

Bands & Channels

BB Width %

6.86%

Volume & Flow

OBV

-1,085,208

Flow Analysis

[ Live 2026-08-07 ]

Total Buy

27,104

Shares Bought

Total Sell

27,104

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 42%

Distribution 58%

Accumulators

Quantity

9,841

Amount

5,463,942

Avg Rate

555.22

Rank

#11

Brokers

#35#34#36#28

Distributors

Quantity

13,499

Amount

7,447,971

Avg Rate

551.74

Rank

#14

Brokers

#56#81#17

Net Flow Impact:

-3,658units

(Rs. -1,984,030)

Net Flow by Timeframe

NICLBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 42,460 ]

Buy Side

Total: 20,625

Broker

QTY

AVG

NET

4,924

555.29

+4,661

18.2%

2,476

558.64

+2,099

9.1%

1,457

551.45

+827

5.4%

1,410

548.12

+905

5.2%

1,241

552.28

+1,221

4.6%

1,200

550.92

+1,144

4.4%

1,105

548.12

+1,075

4.1%

1,060

551.87

+298

3.9%

1,000

551.54

+930

3.7%

1,000

550.50

+1,000

3.7%

982

561.29

+976

3.6%

830

550.38

+725

3.1%

800

548.27

+146

3.0%

590

553.48

+170

2.2%

550

551.40

+490

2.0%

Sell Side

Total: 21,835

Broker

QTY

AVG

NET

5,439

549.84

-5,439

20.1%

5,020

554.80

-5,020

18.5%

3,040

550.09

-1,990

11.2%

1,969

551.25

-1,398

7.3%

1,019

551.10

-1,019

3.8%

1,007

548.61

-847

3.7%

910

550.02

-601

3.4%

900

565.00

-550

3.3%

620

553.72

-90

2.3%

530

547.06

-530

2.0%

421

549.81

-361

1.6%

420

558.68

-170

1.6%

300

564.87

-300

1.1%

160

569.66

-160

0.6%

548.83

-80

0.3%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Capital & Liabilities
Paid Up Capital	1,739,440	1,739,440	1,739,440	0	0.00%
Reserves and Surplus	475,714	821,778	1,062,174	0	-42.11%
Debentures and Bonds	0.00	0.00	0.00	0	-
Borrowings	17,899,670	15,987,029	14,595,817	0	+11.96%
Deposits	2,847,112	1,961,605	1,650,484	0	+45.14%
Income Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	411,380	536,140	427,851	0	-23.27%
Total Capital & Liabilities	23,373,315	21,045,993	19,475,765	0	+11.06%
Assets
Cash and Bank Balance	3,072,449	2,651,866	2,867,481	0	+15.86%
Money at Call & Short Notice	0.00	0.00	0.00	0	-
Investments	12,888	12,888	12,450	0	0.00%
Loan and Advances	19,726,713	17,355,971	16,121,067	0	+13.66%
Fixed Assets	252,493	258,768	71,697	0	-2.43%
Non Banking Assets	0.00	0.00	0.00	0	-
Other Assets	308,772	766,500	403,071	0	-59.72%
Total Assets	23,373,315	21,045,993	19,475,765	0	+11.06%

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)	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	917	-3.04	-0.33%	0	0.13	179.21	201.13%	8.36	34.02	34.53	8.74	7.8	15.46	6.87%	7.42	29.3	0.53	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	8.28	7.29	15.87	9.88%	9.34	39.2	0.26	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	-	8.2	29.25	11.17%	17.78	78.37	0.57	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	8.88	8.45	25.67	5.14%	9.83	22.14	0.06	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	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	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	7.76	8	25.18	7.52%	5.28	19.06	0.45	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	7.92	6.77	8.34	23.62%	11.57	70.54	0.28	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	1.37	4.79	36.69	4.36%	8.37	73.25	1.15	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	7.34	7.11	7.55	18.91%	6.49	64.23	0.16	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	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	1,070	-19.95	-1.83%	0.01	0.14	214.72	277.7%	7.08	45.16	47.07	8.24	9.37	18.92	8.69%	7.1	25.33	0.63	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	8.59	8.17	17.9	3.41%	14.21	44.31	1.48	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	7.56	8.55	24.17	14.29%	10.85	25.69	0.15	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	8.76	8.47	15.5	10.04%	6.93	29.2	0.68	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	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	6.22	7.55	20.19	4.8%	6.83	27.38	0.5	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	7.3	6.19	5.27	21.45%	8.93	141.53	0.62	55.5	13.28	0.59	1.45%	5.12	12.49%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	777	+16.8	+2.21%	0	0.13	154.96	111.88%	6.96	4.37	12.22	8.9	8.88	2.74	14.14%	7.87	209.38	-	71.28	10.21	0.36	1.03%	2.76	7.74%
LLBS	885	-9.84	-1.1%	0	0.13	192.91	115.22%	6.79	17.29	6.03	7.58	7.77	9.2	12.59%	6.74	56.39	3.91	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	7.86	5.11	7.18	9.55%	9.59	63	0.23	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	8.53	7.12	10.29	18.84%	6.56	56.04	5.65	46.16	10.26	1.16	1.39%	8.95	10.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,220.49	18.36	0.16%	0.01	0.122	202.45	130.92%	7.54	31.26	34.68	7.67	7.49	16.16	11.64%	8.51	55.79	1.017	46.53	12.93	1.96	2.19%	16.31	18.2%
MED	929.5	-2.57	-0.26%	0	0.13	174.46	111.22%	7.1	30.48	34.99	7.92	7.66	15.68	9.96%	7.8	45.99	0.55	30.75	9.97	2.07	2.38%	14.54	18.6%
MAX	5,996	471.77	8.54%	0.03	0.15	484.74	379.35%	14.4	82.49	91.55	8.9	9.37	36.69	23.93%	17.78	209.38	5.65	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	4.37	6.03	1.37	4.79	2.74	2.32%	3.55	19.06	0.06	18.6	6.63	0.36	0.4%	2.76	3.33%