RSDC Laghubitta Bittiya Sanstha Ltd.

MicrofinanceHigh Cap

NPR 675.00

NPR +7+1.05%

09:14 AM NPT · May 11, 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.

www.rsdcmf.com/

Trading

Open

680.00

High

680.00

Low

671.30

Prev Close

668.00

Volume

2,777

Turnover

Rs 1,873,058.2

Txns

Valuation · Q2 FY25/26

EPS Ann.

14.83

EPS TTM

13.12

BVPS

125.15

P/E Ann.

45.52

P/E TTM

51.45

Graham #

204.35

Capital

Mkt Cap

6.98 Arab

Total

1.03 Crore

Public

50.67 Lakh

Promoter

52.74 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Weak

Momentum

RSI (14)

39.48

ADX

14.98

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

676.98

SMA 50

691.01

Bands & Channels

BB Width %

10.85%

Volume & Flow

OBV

2,234,480

Flow Analysis

[ Live 2026-05-11 ]

Total Buy

17,870

Shares Bought

Total Sell

17,870

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

Quantity

7,545

Amount

4,958,022

Avg Rate

657.13

Rank

#15

Brokers

#45#65#62

Distributors

Quantity

8,985

Amount

5,914,072

Avg Rate

658.22

Rank

#15

Brokers

#34#17#95#6

Net Flow Impact:

-1,440units

(Rs. -956,051)

Net Flow by Timeframe

RSDC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 28,235 ]

Buy Side

Total: 15,254

Broker

QTY

AVG

NET

4,175

659.56

+1,404

23.4%

1,738

657.60

+1,664

9.7%

1,632

650.39

+1,532

9.1%

1,337

655.28

+1,157

7.5%

1,262

659.40

+1,076

7.1%

857

652.19

+850

4.8%

689

655.96

+577

3.9%

631

658.58

+631

3.5%

590

656.37

+463

3.3%

550

664.54

+550

3.1%

500

650.20

+400

2.8%

488

653.39

+428

2.7%

301

665.36

+110

1.7%

260

660.76

+183

1.4%

244

658.82

+184

1.4%

Sell Side

Total: 12,981

Broker

QTY

AVG

NET

3,024

655.31

-3,024

16.9%

2,560

670.85

-2,237

14.3%

2,000

650.48

-2,000

11.2%

1,401

652.46

-1,081

7.8%

739

659.68

-729

4.1%

604

653.45

-604

3.4%

553

654.65

-473

3.1%

466

650.95

-216

2.6%

377

654.89

-130

2.1%

251

652.40

-163

1.4%

242

655.00

-242

1.4%

237

657.68

-187

1.3%

204

675.49

-202

1.1%

186

660.38

-186

1.0%

137

645.99

-87

0.8%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Capital & Liabilities
Paid Up Capital	1,034,064,417	944,351,065	869,568,201	805,155,741	+9.50%
Reserves and Surplus	260,023,812	304,914,683	269,696,374	261,255,138	-14.72%
Debentures and Bonds	0.00	0.00	0.00	0.00	-
Borrowings	5,013,732,683	6,127,391,192	6,015,025,385	5,328,150,931	-18.18%
Deposits	0.00	0.00	0.00	0.00	-
Income Tax Liabilities	92,972,165	19,402,486	29,701,852	34,034,838	+379.18%
Other Liabilities	0.00	39657186.00	54304981.00	39416028.00	-100.00%
Total Capital & Liabilities	6,400,793,077	7,435,716,612	7,238,296,793	6,468,012,676	-13.92%
Assets
Cash and Bank Balance	904,825,412	870,005,031	486,901,631	127,100,368	+4.00%
Money at Call & Short Notice	0.00	0.00	0.00	0.00	-
Investments	115,890,000	2,000,000	2,000,000	2,000,000	+5694.50%
Loan and Advances	5,326,978,831	6,518,856,787	6,659,023,843	6,291,878,069	-18.28%
Fixed Assets	7,390,266	3,994,391	5,652,001	6,495,271	+85.02%
Non Banking Assets	0.00	0.00	0.00	0.00	-
Other Assets	45,708,568	40,860,404	84,719,319	40,538,968	+11.87%
Total Assets	6,400,793,077	7,435,716,612	7,238,296,794	6,468,012,676	-13.92%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
ACLBSL	959.5	+9.5	+1%	0	0.13	169.98	213.9%	32.57	33.11	355.85	8.27%	7.44%	5.2%	14.84%	11.3	29.47	0.38	31.23	30.72	17.51	1.98%	2.01%	21%	21.36%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,118.7	+8.66	+0.78%	0.01	0.13	158.08	6.57%	31.29	38.77	371.35	8.4%	7.16%	10.15%	17.5%	14.95	37.78	0.09	35.6	28.73	26.45	2.24%	2.79%	21.34%	26.44%
ANLB	6,460	+410.18	+6.78%	0.01	0.12	428.75	0%	77.9	85.26	906.91	0%	-	11.81%	27.93%	28.45	78.31	0.31	80.87	73.89	87.5	3.32%	3.65%	20.24%	22.16%
AVYAN	1,149	+26.05	+2.32%	0	0.03	149.39	109.7%	61.89	55.85	433.27	8.34%	8.86%	4.15%	29.02%	12.66	15.29	0.01	15.51	17.19	17.75	0.9%	0.81%	47.92%	43.25%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	923	+23.04	+2.56%	0.03	0.13	233.66	94.92%	31.85	35.31	430.86	5.51%	6.96%	2.45%	17.74%	7.89	28.95	963	28.89	26.05	20.54	2.22%	2.46%	14.32%	15.87%
CYCL	1,500	+29.99	+2.04%	0	0.12	268.72	111.75%	27.99	41.89	503.26	7.91%	6.38%	18.48%	9.02%	11.24	53.96	0	55.09	36.81	19.47	1.06%	1.61%	10.74%	16.09%
DDBL	863	+15.01	+1.77%	0.02	0.14	221.13	115.62%	47.41	47.55	486.4	7.83%	8.32%	8.43%	24.37%	7.42	17.3	0.27	17.51	17.46	16.87	3.36%	3.37%	23.26%	23.33%
DLBS	1,300	-18.99	-1.44%	0	0.12	179.13	94.98%	18.38	19.05	277.09	7.67%	7.44%	9.83%	7.8%	14.52	70.73	0.15	71.27	68.77	22.09	0.94%	0.98%	10.82%	11.23%
FMDBL	919	+114.2	+14.19%	0.01	0.06	128.31	114.74%	10.47	11.14	179.33	1.42%	4.14%	4.52%	35.1%	12.39	75.93	2.15	74.4	69.93	106.64	2.12%	2.27%	8.24%	8.78%
FOWAD	1,098	-1.98	-0.18%	0.01	0.13	234.69	112.57%	31.98	20.71	330.7	7.31%	7.3%	8.92%	13.3%	9.12	33.46	0.02	32.86	50.75	17.8	1.7%	1.1%	13.14%	8.51%
GBLBS	783	+12.03	+1.56%	0.01	0.14	278.07	26.68%	43.75	34.76	466.35	8.84%	9.62%	4.76%	20.85%	5.57	17.69	1.06	17.21	21.66	14.76	2.94%	2.34%	15.96%	12.68%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,116.1	-1.9	-0.17%	0.01	0.15	197.29	282.59%	32.67	34.47	391.17	8.43%	9.46%	8.96%	13.69%	11.67	35.23	0	33.76	32	19.3	2.02%	2.14%	16.8%	17.73%
GLBSL	1,844.7	+24.75	+1.36%	0	0.14	159.33	393.94%	40.22	38.34	370.74	8.44%	8.32%	3.13%	17.81%	24.15	47.84	0.9	41.57	0	34.09	2.5%	2.38%	28.82%	27.47%
GMFBS	1,337	+14.94	+1.13%	0	0.14	185.26	107.54%	-4.71	17.54	270.39	8.32%	8.86%	14.37%	-2.06%	16.14	-317.41	0	-309.55	83.12	26.18	-0.28%	1.07%	-2.96%	11.05%
HLBSL	907	+7.2	+0.8%	0	0.11	167.35	95.52%	26.24	32.38	349.17	8.6%	7.9%	8.58%	13.2%	10.68	34.05	0.57	34.49	27.95	17.99	1.48%	1.82%	16.98%	20.97%
ILBS	949.9	+4.91	+0.52%	0	0.13	136.88	119.88%	24.07	49.91	392.06	8.31%	7.38%	17.85%	15.51%	14.52	41.3	0.24	39.05	18.83	25.63	2%	4.16%	18.84%	39.06%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,320	+11	+0.84%	0.02	0.13	277.15	124.79%	50.65	60.15	612.44	5.85%	7.32%	5.98%	19.57%	9.54	26.1	0.39	25.94	21.84	20.44	2.56%	3.05%	20.08%	23.85%
JSLBB	1,120	+0.11	+0.01%	0	0.11	170.87	107.57%	11.8	19.17	271.48	7.6%	6.12%	9.15%	7.55%	13.55	98.14	0.42	95.25	58.63	29.66	0.86%	1.4%	7.44%	12.11%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	879	-6.82	-0.77%	0	0.14	164.7	112.75%	26.09	27.74	320.62	8.67%	8.82%	11.42%	16.43%	11.48	36.22	1.33	34.92	32.84	23.81	2.3%	2.45%	16.28%	17.31%
LLBS	951	-13.01	-1.35%	0	0.12	187.67	107.03%	15.31	8.11	185.05	6.19%	7.64%	13.04%	8.25%	9.88	60.55	0.66	60.42	114.06	19.99	0.98%	0.52%	8.78%	4.65%
MATRI	919.5	+19.53	+2.17%	0.01	0.1	119.9	102.58%	11.25	9.36	158.91	7.28%	4.96%	10.48%	5.5%	16.35	87.11	0.6	85.78	103.1	19.18	0.54%	0.45%	7%	5.84%
MERO	735	+10	+1.38%	0.01	0.12	155.78	110.81%	13.88	16.56	240.92	8.6%	7.38%	19.54%	10.28%	9.53	53.46	3.4	51.59	43.24	21.99	1.24%	1.48%	9.08%	10.84%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,325.11	31.74	1.7%	0.01	0.12	198.73	121.2%	30.13	33.51	377.47	7.17%	7.51%	9.6%	15.6%	12.864	30.066	44.361	29.712	44.435	28.438	1.77%	2.01%	16.1%	18.21%
MED	1,028.75	10.5	1.07%	0.01	0.13	175	110.26%	29.64	33.79	363.3	8.09%	7.44%	9.06%	15.18%	11.575	37	0.385	35.26	32.42	20.49	1.99%	2.08%	16.12%	16.7%
MAX	6,460	410.18	14.19%	0.03	0.15	428.75	393.94%	77.9	85.26	906.91	8.84%	9.62%	19.54%	35.1%	28.45	98.14	963	95.25	114.06	106.64	3.36%	4.16%	47.92%	43.25%
MIN	735	-18.99	-1.44%	0	0.03	119.9	0%	-4.71	8.11	158.91	0%	4.14%	2.45%	-2.06%	5.57	-317.41	0	-309.55	0	14.76	-0.28%	0.45%	-2.96%	4.65%