Swabhimaan Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,441.00

NPR +40+2.86%

09:11 AM NPT · Sep 15, 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

1,443.00

High

1,443.00

Low

1,400.10

Prev Close

1,401.00

Volume

256

Turnover

Rs 363,620.2

Txns

Valuation · Q4 FY25/26

EPS Ann.

33.77

EPS TTM

33.77

BVPS

197.50

P/E Ann.

42.67

P/E TTM

42.67

Graham #

387.38

Capital

Mkt Cap

2.21 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)

53.78

ADX

20.84

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

1398.11

SMA 50

1487.46

Bands & Channels

BB Width %

11.86%

Volume & Flow

OBV

227,220

Flow Analysis

[ Live 2026-09-15 ]

Total Buy

1,995

Shares Bought

Total Sell

1,995

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

Quantity

861

Amount

1,207,000

Avg Rate

1401.86

Rank

#41

Brokers

#41#26

Distributors

Quantity

997

Amount

1,382,724

Avg Rate

1386.88

Rank

#39

Brokers

#7#69

Net Flow Impact:

-136units

(Rs. -175,724)

Net Flow by Timeframe

SMFBS — Broker Breakdown (7D)

14 Buyers15 Sellers

[ Vol: 3,273 ]

Buy Side

Total: 1,498

Broker

QTY

AVG

NET

637

1401.85

+577

31.9%

224

1401.89

+224

11.2%

170

1358.38

+170

8.5%

1405.00

+98

4.9%

1362.48

+62

4.3%

1347.19

+75

3.8%

1443.00

+10

3.0%

1345.00

+40

2.0%

1349.74

+31

1.6%

1307.00

1.4%

1315.00

+20

1.0%

1355.70

+10

0.5%

1405.10

+10

0.5%

1360.00

+10

0.5%

Sell Side

Total: 1,775

Broker

QTY

AVG

NET

897

1386.53

-836

45.0%

344

1381.33

-35

17.2%

100

1390.02

-100

5.0%

1377.53

-50

4.7%

1418.75

-70

4.0%

1377.50

-40

2.0%

1306.70

-40

2.0%

1412.46

-34

1.7%

1354.40

-30

1.6%

1408.00

-30

1.5%

1400.10

-24

1.2%

1427.50

-8

1.0%

1407.90

-20

1.0%

1401.00

-17

0.8%

1355.70

-4

0.2%

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	900	+22.04	+2.51%	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	32.78	4.17	1.68	1.68%	16.48	16.48%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,210	+17.88	+1.5%	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	33.07	5.48	2.23	2.23%	19.62	19.62%
ANLB	5,020	+44.78	+0.9%	0	0.11	362.38	-	5.73	69.71	69.71	753.91	-	7.65	26.79	10.78%	19.87	103.29	73.73	27.67	3.07	3.07%	19.94	19.94%
AVYAN	1,078	+44.05	+4.26%	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	18.23	5.02	3.86	3.86%	39.92	39.92%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	959.8	+8.84	+0.93%	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	26.16	4.96	2.37	2.37%	14.96	14.96%
CYCL	1,490	-10.05	-0.67%	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	13.25	4.07	4.02	4.02%	34.85	34.85%
DDBL	861	+16.88	+2%	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	17.44	4.74	3.48	3.48%	23.1	23.1%
DLBS	1,119	+145.62	+14.96%	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	65.33	5.45	0.82	0.82%	9.82	9.82%
FMDBL	748	+4.02	+0.54%	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	53.46	28.58	3.06	3.06%	10.56	10.56%
FOWAD	910	+20.98	+2.36%	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	17.61	3.96	2.69	2.69%	19.74	19.74%
GBLBS	657	+15.09	+2.35%	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	1,129	+10.96	+0.98%	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	17.62	4.39	3.6	3.6%	27.61	27.61%
GLBSL	1,660	+20.01	+1.22%	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	55.61	7.58	1.87	1.87%	20.28	20.28%
GMFBS	1,136.9	+17.9	+1.6%	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	40.41	5.77	1.68	1.68%	17.09	17.09%
HLBSL	879.9	+8.88	+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	27.83	4.17	1.8	1.8%	18.06	18.06%
ILBS	948	+22.13	+2.39%	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	23.43	5.33	2.89	2.89%	23.03	23.03%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,285	+17.99	+1.42%	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	20.33	5.18	3.34	3.34%	24.42	24.42%
JSLBB	969.9	-2.14	-0.22%	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	90.37	6.04	0.75	0.75%	6.42	6.42%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	818.5	+8.5	+1.05%	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	28.25	4.66	2.21	2.21%	15.73	15.73%
LLBS	860	-3.02	-0.35%	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	36.24	4.68	1.59	1.59%	13.24	13.24%
MATRI	758	+12.96	+1.74%	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	17.46	3.47	2.3	2.3%	27.46	27.46%
MERO	616.8	+3.8	+0.62%	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	75.09	4.92	0.69	0.69%	5.63	5.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,182.49	20.37	1.96%	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	36.588	7.133	2.39	2.38%	19.18	19.13%
MED	953.9	15.98	1.32%	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	28.04	4.99	2.34	2.34%	18.84	18.84%
MAX	5,020	145.62	14.96%	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	90.37	28.58	4.02	4.02%	39.92	39.92%
MIN	616.8	-10.05	-0.67%	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	13.25	3.47	0.69	0.69%	5.63	5.63%