RSDC Laghubitta Bittiya Sanstha Ltd.

MicrofinanceHigh Cap

NPR 670.00

NPR +9+1.36%

05:39 AM NPT · May 15, 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

699.00

Low

670.00

Prev Close

661.00

Volume

Turnover

Rs 61,095

Txns

Valuation · Q2 FY25/26

EPS Ann.

14.83

EPS TTM

13.12

BVPS

125.15

P/E Ann.

45.18

P/E TTM

51.07

Graham #

204.35

Capital

Mkt Cap

6.93 Arab

Total

1.03 Crore

Public

50.67 Lakh

Promoter

52.74 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Weak

Momentum

RSI (14)

42.97

ADX

16.76

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

671.12

SMA 50

690.25

Bands & Channels

BB Width %

8.09%

Volume & Flow

OBV

2,221,972

Flow Analysis

[ Live 2026-05-14 ]

Total Buy

16,820

Shares Bought

Total Sell

16,820

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 31%

Distribution 69%

Accumulators

Quantity

3,534

Amount

2,420,226

Avg Rate

684.84

Rank

#32

Brokers

#77#59

Distributors

Quantity

7,854

Amount

5,285,884

Avg Rate

673.02

Rank

#20

Brokers

#17#28#69#62

Net Flow Impact:

-4,320units

(Rs. -2,865,658)

Net Flow by Timeframe

RSDC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 24,700 ]

Buy Side

Total: 12,054

Broker

QTY

AVG

NET

2,500

693.14

+2,446

14.9%

1,414

672.46

+228

8.4%

1,083

675.25

+648

6.4%

1,034

664.78

+953

6.2%

860

673.11

+306

5.1%

650

667.49

+639

3.9%

623

664.74

+613

3.7%

560

665.25

+560

3.3%

553

675.74

+553

3.3%

550

668.47

+456

3.3%

541

665.29

+510

3.2%

100

500

676.10

+500

3.0%

472

676.00

+399

2.8%

414

664.39

+414

2.5%

300

676.62

+224

1.8%

Sell Side

Total: 12,646

Broker

QTY

AVG

NET

3,000

678.00

-2,700

17.8%

2,173

665.46

-2,173

12.9%

2,050

672.82

-630

12.2%

938

689.58

-290

5.6%

708

667.62

-558

4.2%

631

676.02

-631

3.8%

601

688.54

-101

3.6%

596

661.41

-586

3.5%

502

660.51

-329

3.0%

404

673.37

-404

2.4%

225

661.53

-125

1.3%

211

663.10

-211

1.3%

207

674.87

-164

1.2%

200

665.06

-105

1.2%

200

661.30

-200

1.2%

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	950	-2	-0.21%	-	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	1,100	-5.53	-0.5%	-	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	6,382	+377.11	+6.28%	-	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	1,157.7	+37.74	+3.37%	-	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	915	+3.46	+0.38%	-	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	1,460.3	-11.63	-0.79%	-	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	855	+7.96	+0.94%	-	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	1,323	0	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	795.5	-0.4	-0.05%	-	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	1,050	0	0%	-	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	775	+3.09	+0.4%	-	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	1,111	-5.47	-0.49%	-	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	1,780	0	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	1,327	-5.86	-0.44%	-	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	890	0	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	910	-24.96	-2.67%	-	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	1,298	-16.96	-1.29%	-	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	1,090	-10.01	-0.91%	-	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	866	-18.76	-2.12%	-	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	954	-5.95	-0.62%	-	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	885	-9.03	-1.01%	-	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	717	+1.93	+0.27%	-	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	1,299.61	14.31	0.02%	-	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	1,002	-1.2	-0.13%	-	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	6,382	377.11	6.28%	-	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	717	-24.96	-2.67%	-	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%