Sana Kisan Bikas Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 767.90

NPR +5.9+0.77%

09:13 AM NPT · Sep 24, 2026

Est. July 6, 2001 · Kathmandu Metropolitan City-11, Kathmandu, Bagmati Province, Nepal · CEO: Shivram Prasad Koirala

Sana Kisan Bikas Bank Limited (SKBBL) is a national-level wholesale microfinance development bank in Nepal, established with the mission of strengthening the cooperative and rural finance ecosystem. Founded on July 6, 2001, the bank operates under the regulation of the Nepal Rastra Bank (NRB) and plays a pivotal role in empowering small farmers, micro-entrepreneurs, and rural communities through financial access, capacity-building, and technical support. Unlike retail microfinance institutions, SKBBL works primarily as a wholesale lender, providing credit, refinancing, and institutional development services to Small Farmers Agricultural Cooperatives (SFACLs), microfinance institutions, and community-based organizations across Nepal. The bank also supports agricultural modernization, climate-resilient farming practices, rural enterprise development, and sustainable livelihood programs. With its corporate office located in Kathmandu Metropolitan City-11, Sana Kisan Bikas Bank emphasizes responsible banking, transparent governance, and socio-economic upliftment. The institution is widely recognized for its contribution to inclusive rural finance, poverty reduction, and cooperative-driven financial empowerment in Nepal.

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Trading

Open

769.80

High

769.80

Low

762.00

Prev Close

762.00

Volume

8,768

Turnover

Rs 6,718,852

Txns

Valuation · Q4 FY25/26

EPS Ann.

13.26

EPS TTM

13.26

BVPS

221.76

P/E Ann.

57.91

P/E TTM

57.91

Graham #

257.22

Capital

Mkt Cap

33.12 Arab

Total

4.31 Crore

Public

1.29 Crore

Promoter

3.02 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

73.56

ADX

51.23

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

753.71

SMA 50

754.23

Bands & Channels

BB Width %

6.05%

Volume & Flow

OBV

1,663,458

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

34,734

Shares Bought

Total Sell

34,734

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 44%

Distribution 56%

Accumulators

Quantity

10,384

Amount

7,960,365

Avg Rate

766.60

Rank

#15

Brokers

#20#36#74#94

Distributors

Quantity

13,377

Amount

10,237,527

Avg Rate

765.31

Rank

#10

Brokers

#44#91#35#76

Net Flow Impact:

-2,993units

(Rs. -2,277,162)

Net Flow by Timeframe

SKBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 45,578 ]

Buy Side

Total: 20,646

Broker

QTY

AVG

NET

5,140

765.98

+5,140

14.8%

2,825

765.46

+882

8.1%

2,300

766.04

+1,195

6.6%

1,803

767.40

+1,803

5.2%

1,542

765.99

+464

4.4%

1,141

769.26

+1,116

3.3%

1,062

762.33

+1,062

3.1%

1,010

764.49

+1,010

2.9%

766

766.64

+297

2.2%

678

766.52

+678

1.9%

542

766.67

+450

1.6%

537

766.82

+537

1.6%

446

766.18

+360

1.3%

430

767.08

+430

1.2%

424

766.98

+424

1.2%

Sell Side

Total: 24,932

Broker

QTY

AVG

NET

6,547

766.08

-3,942

18.9%

3,000

762.95

-2,990

8.6%

2,330

763.82

-2,095

6.7%

1,746

765.78

-147

5.0%

1,500

769.00

-1,500

4.3%

1,344

764.12

-469

3.9%

1,290

764.48

-919

3.7%

1,280

764.49

-423

3.7%

1,228

764.03

-447

3.5%

1,100

767.45

-1,100

3.2%

1,096

764.47

-1,041

3.2%

697

766.40

-177

2.0%

607

765.43

-13

1.8%

600

765.01

-226

1.7%

567

767.90

-393

1.6%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Capital & Liabilities
Paid Up Capital	0	4,312,622	3,806,374	0	+13.30%
Reserves and Surplus	0	5,996,874	5,664,093	0	+5.88%
Debentures and Bonds	0	0.00	0.00	0	-
Borrowings	19,755,264	26,736,648	31,587,080	0	-26.11%
Deposits	0	4,040,859	2,838,929	0	+42.34%
Income Tax Liabilities	0	0.00	0.00	0	-
Other Liabilities	369,807	384,019	479,886	0	-3.70%
Total Capital & Liabilities	0	41,471,022	44,376,362	0	-6.55%
Assets
Cash and Bank Balance	0	4,650,366	4,245,866	0	+9.53%
Money at Call & Short Notice	0	1,986,800	0	0	-
Investments	0	26,250	1,341,881	0	-98.04%
Loan and Advances	0	34,311,456	38,172,339	0	-10.11%
Fixed Assets	0	359,178	355,412	0	+1.06%
Non Banking Assets	0	0.00	0.00	0	-
Other Assets	69,795	136,972	260,865	0	-49.04%
Total Assets	41,996,244	41,471,022	44,376,362	0	+1.27%

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)	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	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	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	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	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	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	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	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	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	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	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	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	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	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	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	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	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	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	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	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	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	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	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	13.46	3.47	0.69	0.69%	5.63	5.63%