Swabhimaan Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,395.00

NPR -22-1.55%

09:13 AM NPT · Sep 24, 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

1,480.00

High

1,480.00

Low

1,360.00

Prev Close

1,417.00

Volume

178

Turnover

Rs 248,683.2

Txns

Valuation · Q4 FY25/26

EPS Ann.

33.77

EPS TTM

33.77

BVPS

197.50

P/E Ann.

41.31

P/E TTM

41.31

Graham #

387.38

Capital

Mkt Cap

2.14 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 Sell

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

55.41

ADX

22.73

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

1388.5

SMA 50

1462.3

Bands & Channels

BB Width %

9.4%

Volume & Flow

OBV

226,554

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

3,274

Shares Bought

Total Sell

3,274

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 44%

Distribution 56%

Accumulators

Quantity

1,439

Amount

2,031,854

Avg Rate

1411.99

Rank

#33

Brokers

#45

Distributors

Quantity

1,859

Amount

2,606,441

Avg Rate

1402.07

Rank

#30

Brokers

#84#51

Net Flow Impact:

-420units

(Rs. -574,587)

Net Flow by Timeframe

SMFBS — Broker Breakdown (7D)

10 Buyers15 Sellers

[ Vol: 6,026 ]

Buy Side

Total: 2,860

Broker

QTY

AVG

NET

1,439

1411.99

+1,439

44.0%

920

1395.46

+900

28.1%

170

1401.71

+170

5.2%

138

1375.00

+104

4.2%

1413.50

+94

2.9%

1392.00

+24

0.7%

1394.00

+20

0.6%

1407.50

+20

0.6%

1430.00

+20

0.6%

1403.00

+15

0.5%

Sell Side

Total: 3,166

Broker

QTY

AVG

NET

1,205

1392.23

-1,205

36.8%

654

1420.19

-654

20.0%

365

1398.64

-90

11.2%

215

1401.14

-215

6.6%

200

1401.00

-180

6.1%

110

1409.08

-110

3.4%

1415.49

-20

2.8%

1373.50

-50

1.8%

1422.00

-21

1.5%

1401.00

-50

1.5%

1380.00

-30

1.2%

1408.70

-40

1.2%

1420.00

-34

1.0%

1383.79

-29

0.9%

1392.00

-24

0.7%

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	877	-0.97	-0.11%	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	1,174.4	-19.58	-1.64%	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	4,987	+48.89	+0.99%	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	1,060	+0.95	+0.09%	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	956.8	+7.78	+0.82%	0.03	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	1,630	+99.05	+6.47%	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	861	+4.97	+0.58%	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	1,205.1	-136.73	-10.19%	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	759.5	+9.52	+1.27%	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	+6.97	+0.78%	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	692	-0.48	-0.07%	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	1,139.5	+11.39	+1.01%	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	1,700	-9.92	-0.58%	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	1,124	+23.98	+2.18%	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	869	+3.81	+0.44%	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	950	-18	-1.86%	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	1,278.8	+3.7	+0.29%	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	969	-0.97	-0.1%	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	828	+17.98	+2.22%	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	860	+5.98	+0.7%	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	727.1	-21.79	-2.91%	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	607	+3.02	+0.5%	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	1,188.87	1.8	0.04%	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	953.4	3.75	0.47%	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	4,987	99.05	6.47%	0.03	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	607	-136.73	-10.19%	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%