Sana Kisan Bikas Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 762.00

NPR +2+0.26%

09:14 AM NPT · Nov 6, 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

769.30

High

769.30

Low

760.00

Prev Close

760.00

Volume

4,182

Turnover

Rs 3,182,881.2

Txns

Valuation · Q4 FY25/26

EPS Ann.

13.26

EPS TTM

13.26

BVPS

221.76

P/E Ann.

57.47

P/E TTM

57.47

Graham #

257.22

Capital

Mkt Cap

37.55 Arab

Total

4.93 Crore

Public

1.48 Crore

Promoter

3.45 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

54.45

ADX

31.12

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

755.62

SMA 50

755.03

Bands & Channels

BB Width %

3.86%

Volume & Flow

OBV

1,630,335

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

40,872

Shares Bought

Total Sell

40,872

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 45%

Distribution 55%

Accumulators

Quantity

13,270

Amount

10,111,260

Avg Rate

761.96

Rank

Brokers

#45#14#57#16

Distributors

Quantity

16,059

Amount

12,236,800

Avg Rate

761.99

Rank

Brokers

#94#44#42#66

Net Flow Impact:

-2,789units

(Rs. -2,125,541)

Net Flow by Timeframe

SKBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 57,051 ]

Buy Side

Total: 30,887

Broker

QTY

AVG

NET

5,460

763.55

+4,929

13.4%

3,941

760.66

+609

9.6%

2,966

762.03

+2,767

7.3%

2,744

759.41

+2,258

6.7%

2,399

756.20

+399

5.9%

2,100

761.07

+2,099

5.1%

1,678

761.20

+198

4.1%

1,537

757.73

+899

3.8%

1,511

760.50

+476

3.7%

1,477

765.80

+1,477

3.6%

1,356

759.47

+1,356

3.3%

1,293

757.81

+957

3.2%

991

757.06

+991

2.4%

910

759.94

+496

2.2%

524

758.51

+507

1.3%

Sell Side

Total: 26,164

Broker

QTY

AVG

NET

5,838

762.72

-4,464

14.3%

4,575

760.60

-3,865

11.2%

4,511

760.80

-4,471

11.0%

1,882

761.07

-842

4.6%

1,181

758.13

-686

2.9%

1,135

768.58

-1,135

2.8%

1,049

760.68

-1,049

2.6%

1,005

758.69

-405

2.5%

1,000

757.72

-990

2.5%

888

758.38

-888

2.2%

768

760.76

-8

1.9%

670

758.50

-670

1.6%

584

758.32

-584

1.4%

550

757.00

-550

1.4%

528

762.47

-478

1.3%

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	817.5	-15.66	-1.88%	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	1,169.6	-2.34	-0.2%	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	4,899.3	+30.19	+0.62%	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	1,020	+2.04	+0.2%	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	987	-2.77	-0.28%	0.04	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	1,362	+10.41	+0.77%	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	862.5	-4.51	-0.52%	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	1,039	0	0%	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	718	+2	+0.28%	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	900.1	+5.1	+0.57%	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	641.3	-10.23	-1.57%	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	1,127.6	+17.54	+1.58%	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	1,440	-39.05	-2.64%	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	1,039	+9.98	+0.97%	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	870	-8.97	-1.02%	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	965	+24.91	+2.65%	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	1,289	+7.94	+0.62%	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	923.4	+10.41	+1.14%	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	775.1	+0.08	+0.01%	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	813.9	+0.89	+0.11%	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	709.8	+9.18	+1.31%	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	631.9	+2.02	+0.32%	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	1,136.41	2.23	0.14%	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	944.2	2.01	0.24%	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	4,899.3	30.19	2.65%	0.04	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	631.9	-39.05	-2.64%	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%