Swabhimaan Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,555.00

NPR -35-2.20%

08:48 AM NPT · May 13, 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

1,553.00

High

1,582.00

Low

1,525.00

Prev Close

1,590.00

Volume

685

Turnover

Rs 1,058,279

Txns

Valuation · Q2 FY25/26

EPS Ann.

38.11

EPS TTM

52.96

BVPS

206.18

P/E Ann.

40.80

P/E TTM

29.36

Graham #

420.47

Capital

Mkt Cap

2.39 Arab

Total

15.34 Lakh

Public

4.91 Lakh

Promoter

10.43 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

28.83

ADX

30.08

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1651.84

SMA 50

1677.9

Bands & Channels

BB Width %

12.52%

Volume & Flow

OBV

235,680

Flow Analysis

[ Live 2026-05-13 ]

Total Buy

12,436

Shares Bought

Total Sell

12,436

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 42%

Distribution 58%

Accumulators

Quantity

3,573

Amount

5,527,560

Avg Rate

1547.04

Rank

#15

Brokers

#26#74#34#52#39

Distributors

Quantity

5,000

Amount

7,713,284

Avg Rate

1542.66

Rank

#16

Brokers

#44

Net Flow Impact:

-1,427units

(Rs. -2,185,724)

Net Flow by Timeframe

SMFBS — Broker Breakdown (7D)

15 Buyers8 Sellers

[ Vol: 18,630 ]

Buy Side

Total: 7,358

Broker

QTY

AVG

NET

1,205

1520.25

+905

9.7%

862

1548.06

+862

6.9%

560

1552.62

+436

4.5%

556

1553.50

+536

4.5%

500

1590.52

+500

4.0%

468

1558.20

+281

3.8%

450

1560.49

+450

3.6%

410

1506.88

+106

3.3%

400

1526.80

+400

3.2%

380

1557.37

+359

3.1%

335

1573.88

+335

2.7%

323

1566.10

+279

2.6%

312

1550.14

+311

2.5%

300

1570.43

+300

2.4%

297

1551.86

+297

2.4%

Sell Side

Total: 11,272

Broker

QTY

AVG

NET

5,000

1542.66

-4,953

40.2%

4,672

1551.75

-2,966

37.6%

804

1579.41

-804

6.5%

400

1583.56

-400

3.2%

100

314

1548.57

-314

2.5%

1536.60

-50

0.4%

1600.00

-8

0.2%

1585.10

-12

0.1%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Capital & Liabilities
Paid Up Capital	153,445,509	146,138,580	146,138,580	121,782,150	+5.00%
Reserves and Surplus	162,926,772	87,502,680	78,846,750	112,730,030	+86.20%
Debentures and Bonds	0.00	0.00	0.00	0.00	-
Borrowings	2,040,001,935	1,812,346,410	1,409,359,850	1,255,748,040	+12.56%
Deposits	910,401,010	803,575,020	659,174,580	713,407,240	+13.29%
Income Tax Liabilities	49,765,840	0	0	0	-
Other Liabilities	98,071,373	38,981,130	33,353,760	17,972,330	+151.59%
Total Capital & Liabilities	3,414,612,439	2,888,543,810	2,326,873,520	2,221,639,790	+18.21%
Assets
Cash and Bank Balance	266,611,325	15,970,200	13,534,170	14,539,010	+1569.43%
Money at Call & Short Notice	0.00	173172920.00	96578120.00	39826380.00	-100.00%
Investments	0.00	0.00	1500000.00	0.00	-
Loan and Advances	3,000,717,636	2,633,902,810	2,136,308,510	2,086,378,160	+13.93%
Fixed Assets	28,220,122	26,779,630	28,258,470	29,604,660	+5.38%
Non Banking Assets	0.00	0.00	0.00	0.00	-
Other Assets	119,063,357	38,718,240	50,694,250	51,291,570	+207.51%
Total Assets	3,414,612,440	2,888,543,810	2,326,873,520	2,221,639,790	+18.21%

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	954	+3.04	+0.32%	0	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	1,107.4	-4.56	-0.41%	0.01	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	6,050	-15.16	-0.25%	0.01	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	1,105	-23.01	-2.04%	0	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	919	0	0%	0.03	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	+7.91	+0.54%	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	846.2	-0.68	-0.08%	0.02	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	1,328	-166.99	-11.17%	0	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	793	-11.99	-1.49%	0.01	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	1,050.1	-9.86	-0.93%	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	762.2	-8.79	-1.14%	0.01	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	1,116.5	-21.51	-1.89%	0.01	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	-25.09	-1.39%	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	1,332.9	+5.05	+0.38%	0	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	-14.01	-1.55%	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	+1.96	+0.21%	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	1,300	-4.96	-0.38%	0.02	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	1,100	+14.97	+1.38%	0	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	884.8	-4.89	-0.55%	0	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	960	+2.11	+0.22%	0	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	910	+9.46	+1.05%	0.01	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	-2.08	-0.29%	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	1,286.87	-12.23	-0.88%	0.01	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	1,005.05	-4.73	-0.33%	0.01	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	6,050	14.97	1.38%	0.03	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	-166.99	-11.17%	0	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%