RSDC Laghubitta Bittiya Sanstha Ltd.

MicrofinanceMid Cap

NPR 624.00

NPR -3.7-0.59%

09:14 AM NPT · Nov 6, 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

616.00

High

624.00

Low

616.00

Prev Close

627.70

Volume

155

Turnover

Rs 95,876

Txns

0

Valuation · Q4 FY25/26

EPS Ann.

13.37

EPS TTM

13.37

BVPS

131.07

P/E Ann.

46.67

P/E TTM

46.67

Graham #

198.57

Capital

Mkt Cap

6.45 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)

50.84

ADX

17.77

Overall Score

44
Below Line

Technical Score

Moving Averages

SMA 20

620.87

SMA 50

622.34

Bands & Channels

BB Width %

3.51%

Volume & Flow

OBV

2,227,276

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

18,197

Shares Bought

Total Sell

18,197

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

47

Participating

ACCUM/DIST

Accumulation 53%

Distribution 47%

Accumulators

2

Quantity

7,338

Amount

4,592,463

Avg Rate

625.85

Rank

#13

Brokers

#71#62

Distributors

3

Quantity

6,401

Amount

3,988,806

Avg Rate

623.15

Rank

#18

Brokers

#42#88#58

Net Flow Impact:

+937units
(Rs. 603,657)

Net Flow by Timeframe

RSDC — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 29,730 ]

Buy Side

Total: 14,213

Broker

QTY

AVG

NET

%

71

4,766

625.53

+4,765

26.2%

62

2,572

626.44

+2,572

14.1%

21

2,008

626.29

+1,978

11.0%

38

940

618.00

+676

5.2%

56

800

622.00

+782

4.4%

51

785

621.68

+785

4.3%

49

465

623.20

+303

2.6%

74

361

621.52

+114

2.0%

39

300

627.33

+300

1.6%

25

273

614.11

+273

1.5%

32

260

617.06

+184

1.4%

6

240

630.50

+240

1.3%

61

156

624.12

+146

0.9%

47

150

628.00

+150

0.8%

13

137

625.55

+107

0.8%

Sell Side

Total: 15,517

Broker

QTY

AVG

NET

%

42

2,520

624.43

-2,300

13.8%

88

2,101

619.60

-2,101

11.6%

58

1,780

625.54

-1,165

9.8%

48

1,583

616.32

-473

8.7%

57

1,452

623.54

-876

8.0%

7

1,200

629.00

-1,030

6.6%

26

938

619.86

-705

5.2%

22

738

630.09

-733

4.1%

60

630

622.31

-630

3.5%

17

499

618.25

-499

2.7%

45

491

624.70

-381

2.7%

92

470

633.00

-470

2.6%

16

406

621.18

-379

2.2%

44

359

617.73

-359

2.0%

19

350

631.92

-330

1.9%

Financial Fundamentals

Financial MetricFY25/26 Q4FY24/25 Q4FY23/24 Q4FY22/23 Q4Growth %
Capital & Liabilities
Paid Up Capital01,034,064944,3510+9.50%
Reserves and Surplus0268,374231,3720+15.99%
Debentures and Bonds00.000.000-
Borrowings06,809,0585,359,3310+27.05%
Deposits00.000.000-
Income Tax Liabilities044,97162,8580-28.46%
Other Liabilities068,37766,9070+2.20%
Total Capital & Liabilities08,224,8446,664,8180+23.41%
Assets
Cash and Bank Balance01,867,341298,1260+526.36%
Money at Call & Short Notice00.000.000-
Investments02,0002,00000.00%
Loan and Advances06,257,3566,285,6220-0.45%
Fixed Assets02,8804,5600-36.84%
Non Banking Assets00.000.000-
Other Assets6,78695,26774,5110-92.88%
Total Assets0.008224844.256664818.380-100.00%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q4

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)PEGP/E (TTM)P/SROA (Annualized)ROA (TTM)%ROE (Annualized)ROE (TTM)%

ACLBSL

817.5-15.66-1.88%00.14180.9188.13%7.9627.7927.79336.329.048.2412.446.01%5.1533.543.9932.134.171.681.68%16.4816.48%

ADLB

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

AKBSL

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

ALBSL

1,169.6-2.34-0.2%0.010.13174.67114%7.7832.6332.63358.18.567.2517.038.57%6.0132.182.5536.475.482.232.23%19.6219.62%

ANLB

4,899.3+30.19+0.62%00.11362.38-5.7369.7169.71753.91-7.6526.7910.78%19.87103.293.2471.827.673.073.07%19.9419.94%

AVYAN

1,020+2.04+0.2%00.14158.75111.65%8.3557.0457.04451.388.378.527.57.41%6.5618.270.1618.655.023.863.86%39.9239.92%

BPW

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

CBBL

987-2.77-0.28%0.040.12251.0695.51%5.3535.9135.91450.396.235.3219.332.3%3.6725.68-26.734.962.372.37%14.9614.96%

CYCL

1,362+10.41+0.77%00.12357.75112.53%6.62110.66110.66943.797.916.6133.914.04%3.71120.0913.464.074.024.02%34.8534.85%

DDBL

862.5-4.51-0.52%0.020.13226.87112.67%5.3848.1548.15495.777.767.4226.836.49%3.7517.650.5917.944.743.483.48%23.123.1%

DLBS

1,03900%00.12150.5745.18%11.2715.7215.72230.777.986.587.0820.52%8.0376.912.0175.325.450.820.82%9.829.82%

FMDBL

718+2+0.28%0.010.06137.26123.87%2.0914.1814.18209.271.364.0447.122.88%6.2760.651.253.6728.583.063.06%10.5610.56%

FOWAD

900.1+5.1+0.57%0.010.13278.57115.92%6.2352.1452.14571.677.566.5921.0716.17%3.5118.780.0217.513.962.692.69%19.7419.74%

GBLBS

641.3-10.23-1.57%0.010.14295.1825.3%4.494036.73493.918.139.3618.984.94%3.5519.63121.246.632.612.4%1412.85%

GGBSL

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

GILB

1,127.6+17.54+1.58%0.010.14242.58270.5%6.5761.8761.87581.118.818.5625.618.7%4.3717.130.318.44.393.63.6%27.6127.61%

GLBSL

1,440-39.05-2.64%00.14169.51352.61%9.3431.1131.11344.468.498.1413.378.09%10.4156.7-55.457.581.871.87%20.2820.28%

GMFBS

1,039+9.98+0.97%00.12158105.93%9.4228.6828.68319.318.517.1613.9113.79%7.5241.4217.0838.955.771.681.68%17.0917.09%

HLBSL

870-8.97-1.02%00.12185.5393.98%8.7131.2631.26361.248.37.3114.989.04%4.6927.813.1628.214.171.81.8%18.0618.06%

ILBS

965+24.91+2.65%00.13161.73120.99%6.5636.6636.66365.248.828.0722.6212.92%5.3423.570.3129.055.332.892.89%23.0323.03%

JALPA

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

JBLB

1,289+7.94+0.62%0.020.13279.95125.1%661.861.8623.927.197.2125.615.33%4.4720.230.7320.585.183.343.34%24.4224.42%

JSLBB

923.4+10.41+1.14%00.12175.1110.76%7.0710.710.7205.325.316.516.4717.14%5.7193.363.892.346.040.750.75%6.426.42%

KLBS

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

KLBSL

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

KMCDB

775.1+0.08+0.01%00.13178.73114.65%6.2227.427.4331.948.668.316.529.78%4.3228.29.3431.394.662.212.21%15.7315.73%

LLBS

813.9+0.89+0.11%00.13204.16194.11%7.1724.224.2333.419.547.112.3211.93%4.5138.010.0835.994.681.591.59%13.2413.24%

MATRI

709.8+9.18+1.31%00.12145.42114.29%12.3545.1345.13384.277.956.3218.6826.61%5.7718.590.0316.373.472.32.3%27.4627.46%

MERO

631.9+2.02+0.32%0.010.11149.8787.82%8.38.478.471698.375.926.2217.32%4.4779.1-72.264.920.690.69%5.635.63%

MKLB

------------------------
AVG1,136.412.230.14%0.010.124210.21130.26%7.2339.639.45423.397.757.1919.7410.94%5.98539.212.61537.457.1332.392.38%19.1819.13%
MED944.22.010.24%00.13179.82114%6.8534.2734.27363.248.37.2318.839.41%4.9228.01130.224.992.342.34%18.8418.84%
MAX4,899.330.192.65%0.040.14362.38352.61%12.35110.66110.66943.799.549.3647.1226.61%19.87103.2917.0892.3428.584.024.02%39.9239.92%
MIN631.9-39.05-2.64%00.06137.2625.3%2.098.478.471691.364.046.222.3%3.51120.0213.463.470.690.69%5.635.63%

30

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum