NIC ASIA Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 495.60

NPR -3.3-0.66%

09:14 AM NPT · Nov 6, 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

485.00

High

499.00

Low

485.00

Prev Close

498.90

Volume

3,425

Turnover

Rs 1,687,300.6

Txns

Valuation · Q4 FY25/26

EPS Ann.

7.01

EPS TTM

7.01

BVPS

107.77

P/E Ann.

70.70

P/E TTM

70.70

Graham #

130.38

Capital

Mkt Cap

8.62 Arab

Total

1.74 Crore

Public

59.91 Lakh

Promoter

1.14 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

38.89

ADX

12.44

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

499.88

SMA 50

513.18

Bands & Channels

BB Width %

2.93%

Volume & Flow

OBV

-1,177,621

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

16,912

Shares Bought

Total Sell

16,912

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 47%

Distribution 53%

Accumulators

Quantity

5,536

Amount

2,749,147

Avg Rate

496.59

Rank

#26

Brokers

#3#41#62

Distributors

Quantity

6,359

Amount

3,133,404

Avg Rate

492.75

Rank

#23

Brokers

#94#34#45

Net Flow Impact:

-823units

(Rs. -384,257)

Net Flow by Timeframe

NICLBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 26,751 ]

Buy Side

Total: 13,279

Broker

QTY

AVG

NET

3,000

498.73

+2,990

17.7%

1,760

495.87

+111

10.4%

1,491

494.66

+1,451

8.8%

1,120

496.18

+710

6.6%

1,045

493.21

+1,025

6.2%

1,010

494.47

+1,000

6.0%

730

492.70

+730

4.3%

100

494

491.13

+494

2.9%

469

496.61

+143

2.8%

468

491.00

+468

2.8%

405

494.83

+395

2.4%

400

493.00

+380

2.4%

330

496.67

+320

1.9%

300

500.90

+300

1.8%

257

494.56

+237

1.5%

Sell Side

Total: 13,472

Broker

QTY

AVG

NET

3,229

493.97

-2,250

19.1%

1,570

491.59

-1,404

9.3%

1,560

491.40

-1,330

9.2%

1,220

497.81

-595

7.2%

1,065

500.44

-1,065

6.3%

1,005

492.32

-1,005

5.9%

790

497.60

-790

4.7%

530

501.90

-415

3.1%

510

492.39

-375

3.0%

500

491.48

-500

3.0%

429

501.95

-232

2.5%

344

495.40

-344

2.0%

340

500.79

-308

2.0%

230

494.35

-105

1.4%

150

500.58

-150

0.9%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Capital & Liabilities
Paid Up Capital	0	1,739,440	1,739,440	0	0.00%
Reserves and Surplus	0	369,463	1,186,118	0	-68.85%
Debentures and Bonds	0	0.00	0.00	0	-
Borrowings	18,458,549	17,132,787	15,142,205	0	+7.74%
Deposits	0	2,102,864	1,547,118	0	+35.92%
Income Tax Liabilities	0	0.00	0.00	0	-
Other Liabilities	450,785	172,949	517,809	0	+160.65%
Total Capital & Liabilities	0	21,517,503	20,132,690	0	+6.88%
Assets
Cash and Bank Balance	0	3,354,244	3,740,380	0	-10.32%
Money at Call & Short Notice	0	0.00	0.00	0	-
Investments	0	12,888	12,450	0	+3.52%
Loan and Advances	0	17,563,809	15,942,472	0	+10.17%
Fixed Assets	0	254,472	66,639	0	+281.86%
Non Banking Assets	0	0.00	0.00	0	-
Other Assets	105,653	332,090	370,749	0	-68.19%
Total Assets	23,927,205	21,517,503	20,132,690	0	+11.20%

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	817.5	-15.66	-1.88%	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	1,169.6	-2.34	-0.2%	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	4,899.3	+30.19	+0.62%	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	1,020	+2.04	+0.2%	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	987	-2.77	-0.28%	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	1,362	+10.41	+0.77%	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	862.5	-4.51	-0.52%	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	1,039	0	0%	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	718	+2	+0.28%	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	900.1	+5.1	+0.57%	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	641.3	-10.23	-1.57%	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	1,127.6	+17.54	+1.58%	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	1,440	-39.05	-2.64%	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	1,039	+9.98	+0.97%	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	870	-8.97	-1.02%	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	965	+24.91	+2.65%	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	1,289	+7.94	+0.62%	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	923.4	+10.41	+1.14%	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	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	775.1	+0.08	+0.01%	0	0.13	178.73	114.65%	6.22	27.4	27.4	331.94	8.66	8.3	16.52	9.78%	4.32	28.2	9.34	31.39	4.66	2.21	2.21%	15.73	15.73%
LLBS	813.9	+0.89	+0.11%	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	709.8	+9.18	+1.31%	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	631.9	+2.02	+0.32%	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	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,136.41	2.23	0.14%	0.01	0.124	210.21	130.26%	7.23	39.6	39.45	423.39	7.75	7.19	19.74	10.94%	5.985	39.21	2.615	37.45	7.133	2.39	2.38%	19.18	19.13%
MED	944.2	2.01	0.24%	0	0.13	179.82	114%	6.85	34.27	34.27	363.24	8.3	7.23	18.83	9.41%	4.92	28.01	1	30.22	4.99	2.34	2.34%	18.84	18.84%
MAX	4,899.3	30.19	2.65%	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	631.9	-39.05	-2.64%	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%