NIC ASIA Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 516.90

NPR +3.9+0.76%

09:14 AM NPT · Sep 24, 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

519.00

High

519.00

Low

506.30

Prev Close

513.00

Volume

3,514

Turnover

Rs 1,797,175.6

Txns

Valuation · Q4 FY25/26

EPS Ann.

7.01

EPS TTM

7.01

BVPS

107.77

P/E Ann.

73.74

P/E TTM

73.74

Graham #

130.38

Capital

Mkt Cap

8.99 Arab

Total

1.74 Crore

Public

55.66 Lakh

Promoter

1.18 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

49.2

ADX

43.85

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

520.31

SMA 50

539.9

Bands & Channels

BB Width %

6.39%

Volume & Flow

OBV

-1,145,059

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

28,837

Shares Bought

Total Sell

28,837

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 31%

Distribution 69%

Accumulators

Quantity

7,167

Amount

3,705,749

Avg Rate

517.06

Rank

#24

Brokers

#63#32#3#14

Distributors

Quantity

15,691

Amount

8,099,729

Avg Rate

516.20

Rank

#11

Brokers

#16#39#13

Net Flow Impact:

-8,524units

(Rs. -4,393,980)

Net Flow by Timeframe

NICLBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 41,770 ]

Buy Side

Total: 20,348

Broker

QTY

AVG

NET

2,712

516.48

+850

9.4%

2,010

515.78

+2,010

7.0%

1,900

515.29

+1,854

6.6%

1,653

517.79

+1,579

5.7%

1,604

520.00

+1,604

5.6%

1,532

515.07

+1,502

5.3%

1,499

515.70

+389

5.2%

1,119

517.96

+356

3.9%

1,100

513.09

+141

3.8%

1,071

516.68

+999

3.7%

950

519.00

+950

3.3%

940

516.56

+921

3.3%

870

513.75

+540

3.0%

740

515.14

+670

2.6%

648

515.32

+568

2.3%

Sell Side

Total: 21,422

Broker

QTY

AVG

NET

13,326

516.05

-13,326

46.2%

1,665

515.83

-1,665

5.8%

1,250

519.41

-350

4.3%

970

511.42

-360

3.4%

770

514.31

-556

2.7%

756

510.51

-431

2.6%

700

520.00

-662

2.4%

500

519.28

-69

1.7%

395

517.20

-195

1.4%

380

511.71

-380

1.3%

270

516.96

-70

0.9%

210

524.62

-210

0.7%

130

520.85

-130

0.5%

520.32

-20

0.2%

525.00

-50

0.2%

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	877	-0.97	-0.11%	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	1,174.4	-19.58	-1.64%	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	4,987	+48.89	+0.99%	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	1,060	+0.95	+0.09%	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	956.8	+7.78	+0.82%	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	-	26.73	4.96	2.37	2.37%	14.96	14.96%
CYCL	1,630	+99.05	+6.47%	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	861	+4.97	+0.58%	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	1,205.1	-136.73	-10.19%	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	759.5	+9.52	+1.27%	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	+6.97	+0.78%	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	692	-0.48	-0.07%	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	1,139.5	+11.39	+1.01%	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	1,700	-9.92	-0.58%	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	1,124	+23.98	+2.18%	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	869	+3.81	+0.44%	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	950	-18	-1.86%	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	1,278.8	+3.7	+0.29%	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	969	-0.97	-0.1%	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	828	+17.98	+2.22%	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	860	+5.98	+0.7%	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	727.1	-21.79	-2.91%	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	607	+3.02	+0.5%	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	1,188.87	1.8	0.04%	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	953.4	3.75	0.47%	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	4,987	99.05	6.47%	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	17.08	92.34	28.58	4.02	4.02%	39.92	39.92%
MIN	607	-136.73	-10.19%	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%