Sana Kisan Bikas Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 747.00

NPR -2.9-0.39%

09:14 AM NPT · Aug 10, 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

753.90

High

753.90

Low

743.00

Prev Close

749.90

Volume

8,895

Turnover

Rs 6,634,450.5

Txns

Valuation · Q3 FY25/26

EPS Ann.

13.08

EPS TTM

16.58

BVPS

218.40

P/E Ann.

57.11

P/E TTM

45.05

Graham #

253.53

Capital

Mkt Cap

32.22 Arab

Total

4.31 Crore

Public

1.29 Crore

Promoter

3.02 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

8.02

ADX

53.03

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

757.55

SMA 50

757.07

Bands & Channels

BB Width %

4.15%

Volume & Flow

OBV

1,605,958

Flow Analysis

[ Live 2026-08-10 ]

Total Buy

33,877

Shares Bought

Total Sell

33,877

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

Quantity

11,952

Amount

8,982,655

Avg Rate

751.56

Rank

Brokers

#77#56#51#26

Distributors

Quantity

13,998

Amount

10,502,164

Avg Rate

750.26

Rank

Brokers

#17#38#45#10

Net Flow Impact:

-2,046units

(Rs. -1,519,509)

Net Flow by Timeframe

SKBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 49,227 ]

Buy Side

Total: 21,293

Broker

QTY

AVG

NET

5,000

753.00

+4,969

14.8%

2,719

748.42

+2,565

8.0%

2,685

752.44

+2,246

7.9%

2,095

750.07

+1,165

6.2%

1,548

750.91

+1,298

4.6%

1,436

750.79

+1,119

4.2%

1,168

747.17

+1,151

3.5%

1,013

752.11

+592

3.0%

604

748.31

+604

1.8%

561

749.87

+435

1.7%

529

747.30

+488

1.6%

517

751.41

+322

1.5%

487

749.73

+243

1.4%

466

750.67

+330

1.4%

465

750.42

+452

1.4%

Sell Side

Total: 27,934

Broker

QTY

AVG

NET

4,496

752.69

-4,396

13.3%

4,179

748.21

-2,349

12.3%

3,473

752.38

-3,105

10.3%

2,625

751.44

-1,192

7.8%

2,101

751.29

-1,124

6.2%

2,057

750.49

-441

6.1%

1,850

745.00

-1,688

5.5%

1,383

750.09

-1,262

4.1%

1,031

748.65

-322

3.0%

1,000

753.01

-929

3.0%

913

744.26

-913

2.7%

770

753.03

-770

2.3%

760

753.33

-90

2.2%

659

751.72

-377

1.9%

637

750.13

-637

1.9%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Capital & Liabilities
Paid Up Capital	4,927,170	4,312,622	3,806,374	0	+14.25%
Reserves and Surplus	5,833,929	5,680,260	5,317,863	0	+2.71%
Debentures and Bonds	0.00	0.00	0.00	0	-
Borrowings	20,634,848	27,313,553	33,022,138	0	-24.45%
Deposits	8,802,240	2,888,833	1,920,707	0	+204.70%
Income Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	446,189	460,267	441,824	0	-3.06%
Total Capital & Liabilities	40,644,377	40,551,053	44,508,905	0	+0.23%
Assets
Cash and Bank Balance	5,104,064	6,080,955	3,233,945	0	-16.06%
Money at Call & Short Notice	2,236,800	1,411,400	0	0	+58.48%
Investments	25,835	26,250	1,820,722	0	-1.58%
Loan and Advances	32,713,032	32,538,143	38,515,249	0	+0.54%
Fixed Assets	351,716	359,004	367,686	0	-2.03%
Non Banking Assets	0.00	0.00	0.00	0	-
Other Assets	212,929	135,300	571,303	0	+57.38%
Total Assets	40,644,377	40,551,053	44,508,905	0	+0.23%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q3

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	915	-2.02	-0.22%	0	0.13	179.21	201.13%	8.36	34.02	34.53	373.14	8.74	7.8	15.46	6.87%	7.42	29.3	27.8	8.06	2.08	2.11%	20.84	21.15%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,090	-0.98	-0.09%	0.01	0.13	163.92	113.23%	8.15	29.28	39.86	383.42	8.28	7.29	15.87	9.88%	9.34	39.2	27.75	11.07	2.05	2.79%	19.25	26.22%
ANLB	5,467	-532.12	-8.87%	0.01	0.11	484.74	-	4.49	82.49	91.55	999.25	-	8.2	29.25	11.17%	17.78	78.37	64.88	40.76	3.21	3.57%	19.63	21.79%
AVYAN	1,051	-2	-0.19%	0	0.15	157.84	110.28%	8.3	52.53	56.82	449.21	8.88	8.45	25.67	5.14%	9.83	22.14	19.62	10.11	3.72	4.02%	38.32	41.45%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	930	+1.02	+0.11%	0.03	0.12	241.93	95.82%	5.53	33.41	34.99	436.42	6.8	6.65	18.45	2.32%	5.03	27.3	26.32	8.96	2.25	2.36%	14.47	15.16%
CYCL	1,278	-2.05	-0.16%	0	0.11	269.54	110.75%	9.28	26.74	43.18	511.73	7.84	6.33	8.72	19.7%	7.73	58.45	33.7	9.07	1	1.62%	9.93	16.05%
DDBL	840	+11.03	+1.33%	0.02	0.13	212.26	111.22%	5.63	44.13	45.7	467.18	7.76	8	25.18	7.52%	5.28	19.06	18.6	8.53	3.27	3.39%	22.63	23.43%
DLBS	1,180	+15.03	+1.29%	0	0.11	148.7	96.63%	11.63	18.29	21.19	266.26	7.92	6.77	8.34	23.62%	11.57	70.54	59.75	10.47	0.95	1.11%	11.75	13.61%
FMDBL	817	+36	+4.61%	0.01	0.06	131.53	119.28%	2.27	11.27	13	196.14	1.37	4.79	36.69	4.36%	8.37	73.25	60.68	47.77	2.33	2.69%	8.72	10.06%
FOWAD	945	+14.97	+1.61%	0.01	0.13	239.61	115.98%	7.08	18.15	16.05	294.16	7.34	7.11	7.55	18.91%	6.49	64.23	64.74	8.62	0.95	0.84%	7.36	6.5%
GBLBS	739	+1.03	+0.14%	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	1,088	+17.98	+1.68%	0.01	0.14	214.72	277.7%	7.08	45.16	47.07	476.87	8.24	9.37	18.92	8.69%	7.1	25.33	24.01	8.52	2.73	2.85%	22.17	23.11%
GLBSL	1,785	-10.96	-0.61%	0	0.14	168.91	379.35%	9.58	40.62	39.89	389.36	8.59	8.17	17.9	3.41%	14.21	44.31	45.47	14.11	2.45	2.41%	27.36	26.86%
GMFBS	1,174	+19.96	+1.73%	0	0.13	169.51	105.16%	9.23	53.71	52.94	449.35	7.56	8.55	24.17	14.29%	10.85	25.69	24.52	11.04	3.16	3.12%	32.12	31.67%
HLBSL	884	+14.01	+1.61%	0	0.13	178.01	101.94%	8.47	31.68	34.99	374.36	8.76	8.47	15.5	10.04%	6.93	29.2	25.72	8.05	1.96	2.17%	19.36	21.37%
ILBS	865	-11.93	-1.36%	0	0.12	140.07	113.65%	7.83	20.31	33.95	327.1	8.52	6.89	13.96	23.93%	9.21	47.66	26.98	11.83	1.65	2.77%	14.61	24.44%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,255	-5.8	-0.46%	0.02	0.13	255.24	127.25%	6.32	47.73	57.77	575.99	6.22	7.55	20.19	4.8%	6.83	27.38	22.45	9.83	2.65	3.22%	20.73	25.09%
JSLBB	980	0	0%	0	0.11	170.91	108.22%	6.92	8.09	19.73	275.45	7.3	6.19	5.27	21.45%	8.93	141.53	55.5	13.28	0.59	1.45%	5.12	12.49%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	807.9	+30.92	+3.98%	0	0.13	154.96	111.88%	6.96	4.37	12.22	206.41	8.9	8.88	2.74	14.14%	7.87	209.38	71.28	10.21	0.36	1.03%	2.76	7.74%
LLBS	866	-19.03	-2.15%	0	0.13	192.91	115.22%	6.79	17.29	6.03	161.78	7.58	7.77	9.2	12.59%	6.74	56.39	156.72	9.23	1.16	0.4%	9.57	3.33%
MATRI	802.1	-8.92	-1.1%	0.01	0.1	132.3	105.65%	14.4	15.11	9.04	164.04	7.86	5.11	7.18	9.55%	9.59	63	99.78	8.04	0.73	0.44%	9.15	5.47%
MERO	672	+10.78	+1.63%	0.01	0.11	151.87	103.74%	7.11	13.33	15.83	232.58	8.53	7.12	10.29	18.84%	6.56	56.04	46.16	10.26	1.16	1.39%	8.95	10.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,201.41	-19.23	0.21%	0.01	0.122	202.45	130.92%	7.54	31.26	34.68	386.55	7.67	7.49	16.16	11.64%	8.51	55.79	46.53	12.93	1.96	2.19%	16.31	18.2%
MED	937.5	0.51	0.06%	0	0.13	174.46	111.22%	7.1	30.48	34.99	378.89	7.92	7.66	15.68	9.96%	7.8	45.99	30.75	9.97	2.07	2.38%	14.54	18.6%
MAX	5,467	36	4.61%	0.03	0.15	484.74	379.35%	14.4	82.49	91.55	999.25	8.9	9.37	36.69	23.93%	17.78	209.38	156.72	47.77	3.72	4.02%	38.32	41.45%
MIN	672	-532.12	-8.87%	0	0.06	131.53	25.3%	2.27	4.37	6.03	161.78	1.37	4.79	2.74	2.32%	3.55	19.06	18.6	6.63	0.36	0.4%	2.76	3.33%