Swabhimaan Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,544.00

NPR +24+1.58%

09:12 AM NPT · Jun 26, 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

1,518.00

High

1,544.00

Low

1,518.00

Prev Close

1,520.00

Volume

100

Turnover

Rs 152,504

Txns

Valuation · Q3 FY25/26

EPS Ann.

37.96

EPS TTM

52.33

BVPS

215.59

P/E Ann.

40.67

P/E TTM

29.51

Graham #

429.11

Capital

Mkt Cap

2.37 Arab

Total

15.34 Lakh

Public

4.91 Lakh

Promoter

10.43 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

54.35

ADX

15.96

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

1518.99

SMA 50

1566.72

Bands & Channels

BB Width %

5.24%

Volume & Flow

OBV

234,208

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

1,770

Shares Bought

Total Sell

1,770

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 63%

Distribution 37%

Accumulators

Quantity

1,101

Amount

1,699,683

Avg Rate

1543.76

Rank

#36

Brokers

#35#74

Distributors

Quantity

638

Amount

979,958

Avg Rate

1535.98

Rank

#45

Brokers

#62#58#45

Net Flow Impact:

+463units

(Rs. 719,724)

Net Flow by Timeframe

SMFBS — Broker Breakdown (7D)

12 Buyers15 Sellers

[ Vol: 2,975 ]

Buy Side

Total: 1,449

Broker

QTY

AVG

NET

950

1544.88

+950

53.7%

151

1536.73

+151

8.5%

117

1518.44

+117

6.6%

1490.81

+49

4.2%

1514.65

+34

3.6%

1491.00

1.4%

1530.00

+20

1.1%

1524.35

+20

1.1%

1500.00

+18

1.0%

1507.50

0.5%

1529.50

0.1%

1480.00

0.1%

Sell Side

Total: 1,526

Broker

QTY

AVG

NET

269

1565.60

-269

15.2%

240

1510.25

-155

13.6%

220

1564.09

-14

12.4%

129

1522.12

-129

7.3%

112

1523.26

-92

6.3%

100

1533.42

-100

5.7%

1524.61

-64

3.6%

1500.00

-60

3.4%

1519.90

-60

3.4%

1491.30

-53

3.0%

1544.90

-50

2.8%

1533.00

-50

2.8%

1549.80

-41

2.3%

1532.54

-41

2.3%

1530.00

-37

2.1%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Capital & Liabilities
Paid Up Capital	153,446	146,139	146,139	0	+5.00%
Reserves and Surplus	177,374	83,096	62,107	0	+113.46%
Debentures and Bonds	0.00	0.00	0.00	0	-
Borrowings	1,939,151	1,829,862	1,489,739	0	+5.97%
Deposits	924,114	837,467	669,737	0	+10.35%
Income Tax Liabilities	55,958	0	0	0	-
Other Liabilities	111,038	60,517	24,961	0	+83.48%
Total Capital & Liabilities	3,361,080	2,957,080	2,392,683	0	+13.66%
Assets
Cash and Bank Balance	90,699	15,317	13,217	0	+492.15%
Money at Call & Short Notice	0.00	142715.09	90253.71	0	-100.00%
Investments	0.00	1000.00	1500.00	0	-100.00%
Loan and Advances	3,106,588	2,731,845	2,227,883	0	+13.72%
Fixed Assets	28,435	27,841	27,557	0	+2.13%
Non Banking Assets	0.00	0.00	0.00	0	-
Other Assets	135,358	38,362	32,272	0	+252.84%
Total Assets	3,361,080	2,957,080	2,392,683	0	+13.66%

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)	PEG	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ACLBSL	939	-16.04	-1.68%	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	0.53	27.8	8.06	2.08	2.11%	20.84	21.15%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,070	-14.97	-1.38%	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	0.26	27.75	11.07	2.05	2.79%	19.25	26.22%
ANLB	5,894	-5.9	-0.1%	0.01	0.11	484.74	-	4.49	82.49	91.55	999.25	-	8.2	29.25	11.17%	17.78	78.37	0.57	64.88	40.76	3.21	3.57%	19.63	21.79%
AVYAN	1,060	+0.11	+0.01%	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	0.06	19.62	10.11	3.72	4.02%	38.32	41.45%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	910.7	-0.27	-0.03%	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	1,432.9	-29.69	-2.03%	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	830	-3.42	-0.41%	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	0.45	18.6	8.53	3.27	3.39%	22.63	23.43%
DLBS	1,235	-42.15	-3.3%	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	0.28	59.75	10.47	0.95	1.11%	11.75	13.61%
FMDBL	770	-2.01	-0.26%	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	1.15	60.68	47.77	2.33	2.69%	8.72	10.06%
FOWAD	990	-5.98	-0.6%	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	0.16	64.74	8.62	0.95	0.84%	7.36	6.5%
GBLBS	767.6	+0.61	+0.08%	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	1	21.24	6.63	2.61	2.4%	14	12.85%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,102	+0.99	+0.09%	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	0.63	24.01	8.52	2.73	2.85%	22.17	23.11%
GLBSL	1,800	-35.05	-1.91%	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	1.48	45.47	14.11	2.45	2.41%	27.36	26.86%
GMFBS	1,226.2	-16.78	-1.35%	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	0.15	24.52	11.04	3.16	3.12%	32.12	31.67%
HLBSL	875	0	0%	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	0.68	25.72	8.05	1.96	2.17%	19.36	21.37%
ILBS	890.1	-17.89	-1.97%	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	1,261	+4.02	+0.32%	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	0.5	22.45	9.83	2.65	3.22%	20.73	25.09%
JSLBB	1,031	+13.03	+1.28%	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	0.62	55.5	13.28	0.59	1.45%	5.12	12.49%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	821	-98.99	-10.76%	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	923	0	0%	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	3.91	156.72	9.23	1.16	0.4%	9.57	3.33%
MATRI	850	-9.02	-1.05%	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	0.23	99.78	8.04	0.73	0.44%	9.15	5.47%
MERO	710.9	-1.07	-0.15%	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	5.65	46.16	10.26	1.16	1.39%	8.95	10.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,244.97	-12.75	-1.15%	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	1.017	46.53	12.93	1.96	2.19%	16.31	18.2%
MED	964.5	-4.66	-0.33%	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	0.55	30.75	9.97	2.07	2.38%	14.54	18.6%
MAX	5,894	13.03	1.28%	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	5.65	156.72	47.77	3.72	4.02%	38.32	41.45%
MIN	710.9	-98.99	-10.76%	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	0.06	18.6	6.63	0.36	0.4%	2.76	3.33%