Samata Gharelu Laghubitta Bittiya Sanstha Limited

MicrofinanceMid Cap

NPR 768.90

NPR +0.8+0.10%

09:14 AM NPT · May 14, 2026

Est. 1987 · Banepa, Kavrepalanchowk District, Nepal · CEO: Dr. Madan Ghimire

Samata Gharelu Laghubitta Bittiya Sanstha Limited is a rapidly growing national-level microfinance institution in Nepal, licensed by the Nepal Rastra Bank (NRB) as a “D” class financial institution. The organization was established with the mission of providing accessible microfinance services to low-income households, women entrepreneurs, and underserved communities, primarily in rural and semi-urban regions. The institution offers a wide range of financial products including group-based micro-loans, savings accounts, micro-insurance, emergency loans, agriculture financing, and small enterprise loans. In addition to financial services, Samata Gharelu Laghubitta focuses on financial literacy, entrepreneurship development, livelihood support, and women empowerment, helping clients achieve long-term economic stability. With an expanding branch network, community-based operational model, and emphasis on responsible lending practices, the institution plays a vital role in strengthening financial inclusion and reducing poverty across Nepal. It maintains strong governance, transparency, and customer-centered service delivery as part of its developmental mission.

www.samata.org.np/

Trading

Open

760.00

High

768.90

Low

752.00

Prev Close

768.10

Volume

3,089

Turnover

Rs 2,355,202.2

Txns

Valuation · Q2 FY25/26

EPS Ann.

17.12

EPS TTM

23.80

BVPS

135.74

P/E Ann.

44.91

P/E TTM

32.31

Graham #

228.66

Capital

Mkt Cap

4.84 Arab

Total

62.91 Lakh

Public

22.73 Lakh

Promoter

40.18 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

44.44

ADX

11.87

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

772.53

SMA 50

800.28

Bands & Channels

BB Width %

5.9%

Volume & Flow

OBV

192,202

Flow Analysis

[ Live 2026-05-14 ]

Total Buy

14,957

Shares Bought

Total Sell

14,957

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 40%

Distribution 60%

Accumulators

Quantity

3,648

Amount

2,848,036

Avg Rate

780.71

Rank

#28

Brokers

#58#41#59

Distributors

Quantity

5,443

Amount

4,221,490

Avg Rate

775.58

Rank

#23

Brokers

#62#45#51

Net Flow Impact:

-1,795units

(Rs. -1,373,454)

Net Flow by Timeframe

SMATA — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 21,395 ]

Buy Side

Total: 9,599

Broker

QTY

AVG

NET

2,168

787.89

+1,989

14.5%

1,349

777.30

+573

9.0%

1,055

775.11

+662

7.0%

761

767.78

+728

5.1%

719

772.77

+719

4.8%

600

773.71

+600

4.0%

510

777.51

+410

3.4%

500

776.57

+500

3.3%

449

769.29

+428

3.0%

386

767.24

+105

2.6%

240

770.13

+167

1.6%

230

766.94

+174

1.5%

219

762.00

+219

1.5%

213

770.00

+175

1.4%

200

787.00

+189

1.3%

Sell Side

Total: 11,796

Broker

QTY

AVG

NET

2,266

785.40

-1,965

15.2%

1,724

771.02

-1,308

11.5%

1,453

765.69

-1,182

9.7%

950

778.30

-265

6.3%

839

778.50

-141

5.6%

661

768.88

-587

4.4%

623

766.99

-397

4.2%

551

774.26

-50

3.7%

524

778.74

-309

3.5%

101

500

770.00

-500

3.3%

429

777.74

-372

2.9%

354

755.43

-54

2.4%

320

781.30

-235

2.1%

312

771.80

-312

2.1%

290

779.00

-269

1.9%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Capital & Liabilities
Paid Up Capital	660,504,140	599,096,730	394,155,820	342,744,190	+10.25%
Reserves and Surplus	236,050,660	155,082,260	176,895,420	263,844,250	+52.21%
Debentures and Bonds	0.00	0.00	0.00	0.00	-
Borrowings	3,615,410,800	3,031,863,510	1,802,595,560	1,522,510,530	+19.25%
Deposits	1,693,031,150	1,446,841,660	988,788,050	1,179,182,310	+17.02%
Income Tax Liabilities	4,391,320	0	0	0	-
Other Liabilities	196,013,480	156,221,750	117,566,740	177,059,800	+25.47%
Total Capital & Liabilities	6,405,401,550	5,389,105,910	3,480,001,590	3,485,341,080	+18.86%
Assets
Cash and Bank Balance	309,097,070	569,164,560	284,627,920	141,699,150	-45.69%
Money at Call & Short Notice	0.00	2300000.00	0.00	0.00	-100.00%
Investments	500,000	500,000	500,000	500,000	0.00%
Loan and Advances	6,003,726,970	4,701,920,160	3,108,841,430	3,212,913,870	+27.69%
Fixed Assets	58,573,980	56,035,700	45,807,800	30,871,070	+4.53%
Non Banking Assets	0.00	0.00	0.00	0.00	-
Other Assets	33,503,530	59,185,490	40,224,450	99,357,000	-43.39%
Total Assets	6,405,401,550	5,389,105,910	3,480,001,600	3,485,341,090	+18.86%

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	952	-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	1,105.5	-1.88	-0.17%	-	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	6,005	-44.77	-0.74%	-	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	1,120	+15.03	+1.36%	-	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	911.5	-7.54	-0.82%	-	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	1,472	0	0%	-	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	847	+0.76	+0.09%	-	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	-5.05	-0.38%	-	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	795.9	+2.93	+0.37%	-	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	-0.11	-0.01%	-	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	771.9	+9.68	+1.27%	-	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	935	0	0%	-	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	1,315	+14.95	+1.15%	-	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	894	-16.02	-1.76%	-	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	715.1	+0.07	+0.01%	-	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	1,283.22	-3.64	-0.2%	-	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	-0.99	-0.09%	-	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	6,005	15.03	1.36%	-	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	715.1	-44.77	-2.12%	-	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%