Swabhimaan Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,420.00

NPR +19+1.36%

09:14 AM NPT · Nov 6, 2026

Est. August 17, 2016 · Tillotama-5, Manigram 33015, Nepal · CEO: Krishna Raj Chaudhari

Swabhimaan Laghubitta Bittiya Sanstha Limited is a national-level “D” class microfinance institution licensed by the Nepal Rastra Bank (NRB). The institution was established with the mission of expanding financial access to low-income households, marginalized groups, and rural communities through sustainable microfinance services. Its operational model focuses on empowering women, supporting micro-entrepreneurs, and promoting local economic development. Swabhimaan Laghubitta offers group-based micro-credit, savings programs, micro-insurance, agriculture and livestock financing, emergency loans, and various livelihood-enhancing financial services. Alongside financial products, the institution invests heavily in financial literacy, entrepreneurship development, and community-level capacity building, helping its members become economically self-reliant. With a growing branch network and a community-focused service model, Swabhimaan Laghubitta continues to play a crucial role in promoting financial inclusion, reducing poverty, and supporting sustainable development across rural Nepal. The institution maintains strong governance, transparent operations, and a deep commitment to uplifting underserved communities.

swabhimaanlaghubitta.com.np/facebook

Trading

Open

1,414.90

High

1,425.00

Low

1,380.00

Prev Close

1,401.00

Volume

887

Turnover

Rs 1,230,493

Txns

Valuation · Q4 FY25/26

EPS Ann.

33.77

EPS TTM

33.77

BVPS

197.50

P/E Ann.

42.05

P/E TTM

42.05

Graham #

387.38

Capital

Mkt Cap

2.13 Arab

Total

14.96 Lakh

Public

4.79 Lakh

Promoter

10.18 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

54.18

ADX

23.23

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

1367.58

SMA 50

1382.41

Bands & Channels

BB Width %

17.21%

Volume & Flow

OBV

229,035

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

5,769

Shares Bought

Total Sell

5,769

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 48%

Distribution 52%

Accumulators

Quantity

2,090

Amount

2,957,100

Avg Rate

1414.88

Rank

#24

Brokers

#49#39#66

Distributors

Quantity

2,252

Amount

3,191,480

Avg Rate

1417.18

Rank

#21

Brokers

#44#7

Net Flow Impact:

-162units

(Rs. -234,380)

Net Flow by Timeframe

SMFBS — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 9,028 ]

Buy Side

Total: 4,400

Broker

QTY

AVG

NET

1,190

1413.43

+810

20.6%

600

1423.60

+600

10.4%

484

1475.59

+202

8.4%

300

1403.20

+300

5.2%

278

1477.70

+208

4.8%

230

1467.58

+180

4.0%

200

1384.00

+48

3.5%

200

1480.25

+170

3.5%

200

1439.00

+160

3.5%

197

1464.71

+197

3.4%

140

1382.30

+140

2.4%

100

1435.50

+76

1.7%

100

1386.00

+100

1.7%

1414.12

+67

1.6%

1410.43

+90

1.6%

Sell Side

Total: 4,628

Broker

QTY

AVG

NET

1,540

1418.66

-1,540

26.7%

712

1413.96

-712

12.3%

621

1429.94

-297

10.8%

396

1461.41

-261

6.9%

206

1444.91

-92

3.6%

183

1425.50

-133

3.2%

162

1464.80

-24

2.8%

150

1487.80

-150

2.6%

150

1490.00

-150

2.6%

135

1392.15

-42

2.3%

125

1433.56

-115

2.2%

100

1489.00

-100

1.7%

1432.00

-24

1.5%

1495.00

-40

0.7%

1400.00

-9

0.4%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Capital & Liabilities
Paid Up Capital	0	153,446	146,139	0	+5.00%
Reserves and Surplus	0	133,905	75,381	0	+77.64%
Debentures and Bonds	0	0.00	0.00	0	-
Borrowings	1,913,850	1,893,466	1,572,041	0	+1.08%
Deposits	0	884,397	694,816	0	+27.28%
Income Tax Liabilities	0	11,540	0	0	-
Other Liabilities	124,535	45,716	29,848	0	+172.41%
Total Capital & Liabilities	0	3,122,469	2,518,226	0	+23.99%
Assets
Cash and Bank Balance	0	207,171	14,997	0	+1281.46%
Money at Call & Short Notice	0	0.00	120256.16	0	-100.00%
Investments	0	0.00	1500.00	0	-100.00%
Loan and Advances	0	2,884,104	2,328,003	0	+23.89%
Fixed Assets	0	29,190	27,587	0	+5.81%
Non Banking Assets	0	0.00	0.00	0	-
Other Assets	125,868	2,004	25,883	0	+6180.04%
Total Assets	3,250,684	3,122,469	2,518,226	0	+4.11%

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%