Swabhimaan Laghubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,510.00

NPR -17-1.11%

06:58 AM NPT · Aug 12, 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

1,603.30

High

1,603.30

Low

1,508.70

Prev Close

1,527.00

Volume

Turnover

Rs 115,276.5

Txns

Valuation · Q3 FY25/26

EPS Ann.

37.96

EPS TTM

52.33

BVPS

215.59

P/E Ann.

39.78

P/E TTM

28.86

Graham #

429.11

Capital

Mkt Cap

2.32 Arab

Total

15.34 Lakh

Public

4.91 Lakh

Promoter

10.43 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

42.3

ADX

34.9

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1532.89

SMA 50

1544.19

Bands & Channels

BB Width %

7.2%

Volume & Flow

OBV

229,846

Flow Analysis

[ Live 2026-08-11 ]

Total Buy

2,120

Shares Bought

Total Sell

2,120

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 48%

Distribution 52%

Accumulators

Quantity

815

Amount

1,244,279

Avg Rate

1526.72

Rank

#39

Brokers

#7#84

Distributors

Quantity

894

Amount

1,367,580

Avg Rate

1529.73

Rank

#39

Brokers

#58#21

Net Flow Impact:

-79units

(Rs. -123,301)

Net Flow by Timeframe

SMFBS — Broker Breakdown (7D)

15 Buyers13 Sellers

[ Vol: 3,514 ]

Buy Side

Total: 2,032

Broker

QTY

AVG

NET

628

1535.37

+488

29.6%

323

1561.44

+178

15.2%

294

1496.52

+60

13.9%

187

1497.69

+187

8.8%

140

1500.00

+130

6.6%

100

1494.00

+26

4.7%

100

1526.10

+100

4.7%

1494.95

+60

2.8%

1493.10

+45

2.1%

1533.50

+30

1.9%

1494.47

+30

1.4%

1497.10

+30

1.4%

1495.00

+25

1.2%

1496.25

0.9%

1490.00

+10

0.5%

Sell Side

Total: 1,482

Broker

QTY

AVG

NET

724

1537.22

-685

34.1%

170

1497.85

-170

8.0%

165

1490.27

-165

7.8%

134

1493.77

-134

6.3%

1529.90

-93

4.4%

1499.42

-65

3.1%

1533.00

-35

2.1%

1500.00

-24

1.1%

1495.91

-12

1.0%

1538.00

-10

0.5%

1500.00

-10

0.5%

1524.00

-10

0.5%

1525.00

-10

0.5%

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	906.3	-21.62	-2.33%	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	1,120	+6.13	+0.55%	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	5,303	-134.86	-2.48%	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	+17	+1.63%	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	931	+1.02	+0.11%	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	1,230	-35.04	-2.77%	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	848.9	+8.9	+1.06%	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	1,147	-12.99	-1.12%	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	800	-10.7	-1.32%	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	931	+1.02	+0.11%	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	732	-0.22	-0.03%	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	1,051.8	-18.63	-1.74%	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	1,750	-20	-1.13%	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	1,126	-7.02	-0.62%	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	-9.91	-1.12%	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	885	+7.02	+0.8%	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	1,252	-3.14	-0.25%	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	977.9	-2.06	-0.21%	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	799	-0.96	-0.12%	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	863	-21.04	-2.38%	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	803	-5.01	-0.62%	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	663.1	+0.13	+0.02%	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	1,184.32	-11.91	-0.63%	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	931	-4.07	-0.44%	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	5,303	17	1.63%	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	663.1	-134.86	-2.77%	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%