NIC ASIA Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 553.10

NPR -6.9-1.23%

09:14 AM NPT · Jun 26, 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

560.10

High

565.00

Low

552.00

Prev Close

560.00

Volume

4,535

Turnover

Rs 2,532,841.8

Txns

Valuation · Q3 FY25/26

EPS Ann.

8.20

EPS TTM

-19.72

BVPS

127.35

P/E Ann.

67.45

P/E TTM

-28.05

Graham #

153.28

Capital

Mkt Cap

9.62 Arab

Total

1.74 Crore

Public

55.66 Lakh

Promoter

1.18 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

22.72

ADX

35.6

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

569.81

SMA 50

574.74

Bands & Channels

BB Width %

4.53%

Volume & Flow

OBV

-1,038,120

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

20,060

Shares Bought

Total Sell

20,060

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 48%

Distribution 52%

Accumulators

Quantity

5,742

Amount

3,232,313

Avg Rate

562.92

Rank

#24

Brokers

#35#57#74

Distributors

Quantity

6,223

Amount

3,491,215

Avg Rate

561.02

Rank

#22

Brokers

#28#54#44#49

Net Flow Impact:

-481units

(Rs. -258,902)

Net Flow by Timeframe

NICLBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 28,413 ]

Buy Side

Total: 13,095

Broker

QTY

AVG

NET

3,012

563.39

+2,412

15.0%

1,446

563.96

+1,226

7.2%

1,350

558.06

+1,220

6.7%

1,284

560.65

+1,274

6.4%

995

573.64

+185

5.0%

793

563.51

+611

4.0%

716

563.27

+586

3.6%

640

564.41

+564

3.2%

535

563.05

+435

2.7%

526

567.10

+526

2.6%

450

555.00

+450

2.2%

430

561.32

+135

2.1%

316

572.58

+266

1.6%

302

561.06

+252

1.5%

300

564.85

+300

1.5%

Sell Side

Total: 15,318

Broker

QTY

AVG

NET

2,871

558.67

-2,471

14.3%

2,088

564.80

-761

10.4%

1,552

562.54

-648

7.7%

1,336

562.15

-1,336

6.7%

1,178

563.94

-697

5.9%

1,117

561.02

-917

5.6%

899

566.82

-814

4.5%

896

564.48

-161

4.5%

753

564.31

-708

3.8%

711

566.25

-701

3.5%

511

560.67

-111

2.5%

434

562.41

-98

2.2%

370

560.23

-370

1.8%

341

568.23

-341

1.7%

261

559.74

-211

1.3%

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	939	-16.04	-1.68%	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	1,070	-14.97	-1.38%	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	5,894	-5.9	-0.1%	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	1,060	+0.11	+0.01%	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	910.7	-0.27	-0.03%	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	1,432.9	-29.69	-2.03%	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	830	-3.42	-0.41%	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	1,235	-42.15	-3.3%	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	770	-2.01	-0.26%	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	990	-5.98	-0.6%	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	767.6	+0.61	+0.08%	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	1,102	+0.99	+0.09%	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	1,800	-35.05	-1.91%	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	1,226.2	-16.78	-1.35%	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	875	0	0%	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	890.1	-17.89	-1.97%	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	1,261	+4.02	+0.32%	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	1,031	+13.03	+1.28%	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	821	-98.99	-10.76%	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	923	0	0%	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	850	-9.02	-1.05%	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	710.9	-1.07	-0.15%	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	1,244.97	-12.75	-1.15%	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	964.5	-4.66	-0.33%	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	5,894	13.03	1.28%	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	710.9	-98.99	-10.76%	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%