RSDC Laghubitta Bittiya Sanstha Ltd.

MicrofinanceHigh Cap

NPR 640.20

NPR -13.8-2.11%

09:14 AM NPT · Jun 26, 2026

Est. September 11, 2013 · Butwal, Nepal · CEO: Dhruba Kumar Paudel

RSDC Laghubitta Bittiya Sanstha Limited is a national-level microfinance institution in Nepal, licensed by the Nepal Rastra Bank (NRB) as a “D” class financial institution. Established to enhance financial access in underserved communities, the institution operates with the mission of poverty reduction, rural economic development, and women’s empowerment through microfinance services. RSDC originally began as the Rural Self-Reliance Development Centre (RSDC) — a leading NGO working in community-based development for over two decades — before transitioning into a regulated microfinance institution. The organization provides micro-loans, savings and deposit products, micro-insurance, remittance services, and group-based lending programs to low-income households across Nepal. With a strong presence in rural municipalities and remote regions, RSDC Laghubitta emphasizes financial literacy, entrepreneurship development, and capacity-building programs. The institution also supports income-generating activities in agriculture, livestock, retail, and small enterprises, helping thousands of families improve their economic stability. Guided by a social mission, transparent governance, and modern banking practices, RSDC Laghubitta Bittiya Sanstha Limited continues to play a key role in expanding microfinance outreach and promoting inclusive economic growth across Nepal.

Trading

Open

655.00

High

662.00

Low

640.20

Prev Close

654.00

Volume

5,284

Turnover

Rs 3,392,433.5

Txns

0

Valuation · Q3 FY25/26

EPS Ann.

8.46

EPS TTM

9.57

BVPS

124.07

P/E Ann.

75.67

P/E TTM

66.90

Graham #

153.68

Capital

Mkt Cap

6.62 Arab

Total

1.03 Crore

Public

50.67 Lakh

Promoter

52.74 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

28.12

ADX

60.43

Overall Score

40
Below Line

Technical Score

Moving Averages

SMA 20

660.71

SMA 50

665.26

Bands & Channels

BB Width %

5.46%

Volume & Flow

OBV

2,220,299

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

24,787

Shares Bought

Total Sell

24,787

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

49

Participating

ACCUM/DIST

Accumulation 54%

Distribution 46%

Accumulators

3

Quantity

8,875

Amount

5,782,572

Avg Rate

651.56

Rank

#15

Brokers

#65#21#58

Distributors

3

Quantity

7,488

Amount

4,879,090

Avg Rate

651.59

Rank

#14

Brokers

#94#77#50

Net Flow Impact:

+1,387units
(Rs. 903,482)

Net Flow by Timeframe

RSDC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 38,476 ]

Buy Side

Total: 20,316

Broker

QTY

AVG

NET

%

65

3,660

646.51

+3,284

14.8%

21

3,170

662.27

+3,061

12.8%

1

2,919

652.89

+1,004

11.8%

58

2,045

643.99

+1,647

8.3%

48

1,757

647.79

+1,156

7.1%

17

1,273

649.59

+1,250

5.1%

32

1,099

640.56

+929

4.4%

33

987

641.69

+977

4.0%

49

574

646.16

+564

2.3%

59

572

644.94

+424

2.3%

51

500

653.80

+96

2.0%

56

500

645.20

+499

2.0%

62

500

646.00

+500

2.0%

91

400

648.00

+400

1.6%

57

360

643.07

+257

1.4%

Sell Side

Total: 18,160

Broker

QTY

AVG

NET

%

94

2,733

642.14

-2,733

11.0%

77

2,500

663.00

-2,330

10.1%

45

2,453

649.24

-2,093

9.9%

50

2,255

650.39

-2,233

9.1%

40

1,359

646.58

-1,359

5.5%

42

1,351

651.07

-1,077

5.5%

74

1,087

648.53

-1,077

4.4%

34

947

640.30

-547

3.8%

25

659

645.18

-659

2.7%

38

610

653.75

-90

2.5%

39

500

650.77

-380

2.0%

63

500

643.20

-500

2.0%

14

466

657.83

-120

1.9%

10

370

654.05

-359

1.5%

70

370

660.00

-356

1.5%

Financial Fundamentals

Financial MetricFY25/26 Q3FY24/25 Q3FY23/24 Q3FY22/23 Q3Growth %
Capital & Liabilities
Paid Up Capital1,034,0641,034,064944,35100.00%
Reserves and Surplus248,924235,555233,1270+5.68%
Debentures and Bonds0.000.000.000-
Borrowings4,608,9336,307,6595,657,9830-26.93%
Deposits0.000.000.000-
Income Tax Liabilities28,93230,42348,0520-4.90%
Other Liabilities56,68157,33790,8780-1.14%
Total Capital & Liabilities5,977,5347,665,0396,974,3910-22.02%
Assets
Cash and Bank Balance955,017908,110256,5830+5.17%
Money at Call & Short Notice0.000.000.000-
Investments115,8902,00000+5694.50%
Loan and Advances4,843,1016,662,5646,610,7680-27.31%
Fixed Assets7,0133,3985,1550+106.42%
Non Banking Assets0.000.000.000-
Other Assets56,51388,967101,8850-36.48%
Total Assets5,977,5347,665,0396,974,3910-22.02%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q3

NPR/Millions

Statement

Highlight

TICKERMarket
Key Ratios
PriceChgChg%Mkt Cap (M)Asset TurnoverBook Value Per ShareC/D Ratio%Debt to EquityEPS (Annualized)EPS (TTM)Graham's NumberInterest Rate SpreadNet Interest MarginNet Profit MarginNPL%P/BP/E (Annualized)P/E (TTM)P/SROA (Annualized)ROA (TTM)%ROE (Annualized)ROE (TTM)%

ACLBSL

939-16.04-1.68%00.13179.21201.13%8.3634.0234.53373.148.747.815.466.87%7.4229.327.88.062.082.11%20.8421.15%

ADLB

-----------------------

AKBSL

-----------------------

ALBSL

1,070-14.97-1.38%0.010.13163.92113.23%8.1529.2839.86383.428.287.2915.879.88%9.3439.227.7511.072.052.79%19.2526.22%

ANLB

5,894-5.9-0.1%0.010.11484.74-4.4982.4991.55999.25-8.229.2511.17%17.7878.3764.8840.763.213.57%19.6321.79%

AVYAN

1,060+0.11+0.01%00.15157.84110.28%8.352.5356.82449.218.888.4525.675.14%9.8322.1419.6210.113.724.02%38.3241.45%

BPW

-----------------------

CBBL

910.7-0.27-0.03%0.030.12241.9395.82%5.5333.4134.99436.426.86.6518.452.32%5.0327.326.328.962.252.36%14.4715.16%

CYCL

1,432.9-29.69-2.03%00.11269.54110.75%9.2826.7443.18511.737.846.338.7219.7%7.7358.4533.79.0711.62%9.9316.05%

DDBL

830-3.42-0.41%0.020.13212.26111.22%5.6344.1345.7467.187.76825.187.52%5.2819.0618.68.533.273.39%22.6323.43%

DLBS

1,235-42.15-3.3%00.11148.796.63%11.6318.2921.19266.267.926.778.3423.62%11.5770.5459.7510.470.951.11%11.7513.61%

FMDBL

770-2.01-0.26%0.010.06131.53119.28%2.2711.2713196.141.374.7936.694.36%8.3773.2560.6847.772.332.69%8.7210.06%

FOWAD

990-5.98-0.6%0.010.13239.61115.98%7.0818.1516.05294.167.347.117.5518.91%6.4964.2364.748.620.950.84%7.366.5%

GBLBS

767.6+0.61+0.08%0.010.14295.1825.3%4.494036.73493.918.139.3618.984.94%3.5519.6321.246.632.612.4%1412.85%

GGBSL

-----------------------

GILB

1,102+0.99+0.09%0.010.14214.72277.7%7.0845.1647.07476.878.249.3718.928.69%7.125.3324.018.522.732.85%22.1723.11%

GLBSL

1,800-35.05-1.91%00.14168.91379.35%9.5840.6239.89389.368.598.1717.93.41%14.2144.3145.4714.112.452.41%27.3626.86%

GMFBS

1,226.2-16.78-1.35%00.13169.51105.16%9.2353.7152.94449.357.568.5524.1714.29%10.8525.6924.5211.043.163.12%32.1231.67%

HLBSL

87500%00.13178.01101.94%8.4731.6834.99374.368.768.4715.510.04%6.9329.225.728.051.962.17%19.3621.37%

ILBS

890.1-17.89-1.97%00.12140.07113.65%7.8320.3133.95327.18.526.8913.9623.93%9.2147.6626.9811.831.652.77%14.6124.44%

JALPA

-----------------------

JBLB

1,261+4.02+0.32%0.020.13255.24127.25%6.3247.7357.77575.996.227.5520.194.8%6.8327.3822.459.832.653.22%20.7325.09%

JSLBB

1,031+13.03+1.28%00.11170.91108.22%6.928.0919.73275.457.36.195.2721.45%8.93141.5355.513.280.591.45%5.1212.49%

KLBS

-----------------------

KLBSL

-----------------------

KMCDB

821-98.99-10.76%00.13154.96111.88%6.964.3712.22206.418.98.882.7414.14%7.87209.3871.2810.210.361.03%2.767.74%

LLBS

92300%00.13192.91115.22%6.7917.296.03161.787.587.779.212.59%6.7456.39156.729.231.160.4%9.573.33%

MATRI

850-9.02-1.05%0.010.1132.3105.65%14.415.119.04164.047.865.117.189.55%9.596399.788.040.730.44%9.155.47%

MERO

710.9-1.07-0.15%0.010.11151.87103.74%7.1113.3315.83232.588.537.1210.2918.84%6.5656.0446.1610.261.161.39%8.9510.63%

MKLB

-----------------------
AVG1,244.97-12.75-1.15%0.010.122202.45130.92%7.5431.2634.68386.557.677.4916.1611.64%8.5155.7946.5312.931.962.19%16.3118.2%
MED964.5-4.66-0.33%00.13174.46111.22%7.130.4834.99378.897.927.6615.689.96%7.845.9930.759.972.072.38%14.5418.6%
MAX5,89413.031.28%0.030.15484.74379.35%14.482.4991.55999.258.99.3736.6923.93%17.78209.38156.7247.773.724.02%38.3241.45%
MIN710.9-98.99-10.76%00.06131.5325.3%2.274.376.03161.781.374.792.742.32%3.5519.0618.66.630.360.4%2.763.33%

30

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum