Swabalamban Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 670.00

NPR 00.00%

09:14 AM NPT · Aug 11, 2026

Est. 2058-07-19 B.S. (licensed by Nepal Rastra Bank on 2058-09-19 and commenced microfinance operations) · Head Office: Baneshwor, Kathmandu, Nepal · CEO: Narendra Singh Bista

Swabalamban Laghubitta Bittiya Sanstha (SWBBL) is a Nepalese microfinance financial institution founded with the purpose of extending micro-credit and deposit services to underserved, rural, and economically marginalized populations. The roots of SWBBL go back to an NGO called the Centre for Self-help Development (CSD), established in 1991 to support socially and economically backward groups. In 2001 (Ashwin 19, 2058 B.S.) SWBBL was formally registered under Company Act, and on 3 January 2002 (Paush 19, 2058 B.S.) it obtained a license from the central bank Nepal Rastra Bank (NRB) to operate as a microfinance (laghubitta) institution. Over the years, SWBBL has grown substantially. From its humble beginnings serving women through group-based lending and savings under the Self-help Banking Programme, SWBBL has evolved into a large microfinance entity with a nationwide footprint spanning many districts and a network of branches serving thousands of clients. Its mission remains centered on financial inclusion, livelihood development, and poverty alleviation offering micro-loans, savings, and financial services tailored to the needs of rural households, small-scale entrepreneurs, and underserved communities.As of recent reports, SWBBL has shown financial strength: in a recent fiscal year, the institution posted a net profit increase, reflecting growth in interest income and improved operational performance. The bank has also been actively improving its deposit and loan-outstanding numbers signaling rising trust among clients and expanding outreach. Despite the general vulnerabilities of microfinance institutions in Nepal (such as rural credit risk, regulatory pressures, and economic fluctuations), SWBBL’s long history, diversified client base, group-lending methodology, and experience give it a more stable footing compared to many smaller or newer microfinance providers.

Trading

Open

672.00

High

679.90

Low

661.00

Prev Close

670.00

Volume

7,694

Turnover

Rs 5,115,709

Txns

0

Valuation · Q3 FY25/26

EPS Ann.

24.59

EPS TTM

36.87

BVPS

226.59

P/E Ann.

27.25

P/E TTM

18.17

Graham #

354.07

Capital

Mkt Cap

11.1 Arab

Total

1.66 Crore

Public

49.7 Lakh

Promoter

1.16 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

33.33

ADX

16.61

Overall Score

33
Below Line

Technical Score

Moving Averages

SMA 20

677.58

SMA 50

698.19

Bands & Channels

BB Width %

7.87%

Volume & Flow

OBV

2,487,570

Flow Analysis

[ Live 2026-08-11 ]

Total Buy

37,103

Shares Bought

Total Sell

37,103

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

61

Participating

ACCUM/DIST

Accumulation 33%

Distribution 67%

Accumulators

4

Quantity

10,043

Amount

6,715,906

Avg Rate

668.72

Rank

#12

Brokers

#18#54#49#44

Distributors

3

Quantity

20,378

Amount

13,597,612

Avg Rate

667.27

Rank

#5

Brokers

#58#19#96

Net Flow Impact:

-10,335units
(Rs. -6,881,706)

Net Flow by Timeframe

SWBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 58,189 ]

Buy Side

Total: 24,059

Broker

QTY

AVG

NET

%

18

3,050

667.47

+3,050

8.2%

54

2,463

662.18

+2,463

6.6%

44

2,270

678.13

+2,220

6.1%

49

2,260

668.06

+2,240

6.1%

40

1,999

669.84

+1,976

5.4%

45

1,946

665.85

+1,851

5.2%

42

1,774

668.33

+1,774

4.8%

34

1,470

668.63

+1,345

4.0%

62

1,148

670.49

+918

3.1%

48

1,010

668.12

+1,009

2.7%

71

1,000

666.00

+1,000

2.7%

100

1,000

663.10

+1,000

2.7%

7

986

678.50

+986

2.7%

26

903

671.86

+903

2.4%

36

780

666.21

+780

2.1%

Sell Side

Total: 34,130

Broker

QTY

AVG

NET

%

58

9,385

665.19

-6,471

25.3%

33

6,070

673.99

-4,820

16.4%

19

6,030

667.79

-5,953

16.3%

96

4,963

670.57

-4,963

13.4%

28

2,651

663.11

-2,651

7.1%

11

882

662.52

-808

2.4%

41

846

670.06

-396

2.3%

29

827

679.96

-13

2.2%

6

674

660.99

-454

1.8%

25

332

666.36

-73

0.9%

47

316

656.25

-316

0.8%

20

307

664.90

-305

0.8%

10

299

661.12

-299

0.8%

17

279

665.72

-27

0.8%

14

269

666.60

-134

0.7%

Financial Fundamentals

Financial MetricFY25/26 Q3FY24/25 Q3FY23/24 Q3FY22/23 Q3Growth %
Capital & Liabilities
Paid Up Capital1,750,0001,656,6251,450,0000+5.64%
Reserves and Surplus2,215,3111,866,6321,725,5510+18.68%
Debentures and Bonds0.000.000.000-
Borrowings4,916,4013,428,7303,678,2540+43.39%
Deposits17,405,77515,380,03913,712,9900+13.17%
Income Tax Liabilities0.000.000.000-
Other Liabilities319,153178,010259,7740+79.29%
Total Capital & Liabilities26,606,64022,510,03520,826,5680+18.20%
Assets
Cash and Bank Balance717,299868,692886,8460-17.43%
Money at Call & Short Notice0.000.000.000-
Investments1,1968008000+49.46%
Loan and Advances24,530,29720,495,78119,181,0550+19.68%
Fixed Assets280,687289,77765,6660-3.14%
Non Banking Assets0.000.000.000-
Other Assets1,077,161854,986692,2020+25.99%
Total Assets26,606,64022,510,03520,826,5680+18.20%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q3

NPR/Millions

Statement

Highlight

TICKERMarket
Key Ratios
PriceChgChg%Mkt Cap (M)Asset TurnoverBook Value Per ShareC/D Ratio%Debt to EquityEPS (Annualized)EPS (TTM)Graham's NumberInterest Rate SpreadNet Interest MarginNet Profit MarginNPL%P/BP/E (Annualized)PEGP/E (TTM)P/SROA (Annualized)ROA (TTM)%ROE (Annualized)ROE (TTM)%

ACLBSL

927.9+12.9+1.41%00.13179.21201.13%8.3634.0234.53373.148.747.815.466.87%7.4229.30.5327.88.062.082.11%20.8421.15%

ADLB

------------------------

AKBSL

------------------------

ALBSL

1,113.9+23.87+2.19%0.010.13163.92113.23%8.1529.2839.86383.428.287.2915.879.88%9.3439.20.2627.7511.072.052.79%19.2526.22%

ANLB

5,438-28.97-0.53%0.010.11484.74-4.4982.4991.55999.25-8.229.2511.17%17.7878.370.5764.8840.763.213.57%19.6321.79%

AVYAN

1,043-7.99-0.76%00.15157.84110.28%8.352.5356.82449.218.888.4525.675.14%9.8322.140.0619.6210.113.724.02%38.3241.45%

BPW

------------------------

CBBL

93000%0.030.12241.9395.82%5.5333.4134.99436.426.86.6518.452.32%5.0327.3-26.328.962.252.36%14.4715.16%

CYCL

1,265-13.04-1.02%00.11269.54110.75%9.2826.7443.18511.737.846.338.7219.7%7.7358.45-33.79.0711.62%9.9316.05%

DDBL

84000%0.020.13212.26111.22%5.6344.1345.7467.187.76825.187.52%5.2819.060.4518.68.533.273.39%22.6323.43%

DLBS

1,160-19.94-1.69%00.11148.796.63%11.6318.2921.19266.267.926.778.3423.62%11.5770.540.2859.7510.470.951.11%11.7513.61%

FMDBL

788-29-3.55%0.010.06131.53119.28%2.2711.2713196.141.374.7936.694.36%8.3773.251.1560.6847.772.332.69%8.7210.06%

FOWAD

930-15.03-1.59%0.010.13239.61115.98%7.0818.1516.05294.167.347.117.5518.91%6.4964.230.1664.748.620.950.84%7.366.5%

GBLBS

732.2-6.8-0.92%0.010.14295.1825.3%4.494036.73493.918.139.3618.984.94%3.5519.63121.246.632.612.4%1412.85%

GGBSL

------------------------

GILB

1,070.4-17.63-1.62%0.010.14214.72277.7%7.0845.1647.07476.878.249.3718.928.69%7.125.330.6324.018.522.732.85%22.1723.11%

GLBSL

1,770-14.99-0.84%00.14168.91379.35%9.5840.6239.89389.368.598.1717.93.41%14.2144.311.4845.4714.112.452.41%27.3626.86%

GMFBS

1,133-40.97-3.49%00.13169.51105.16%9.2353.7152.94449.357.568.5524.1714.29%10.8525.690.1524.5211.043.163.12%32.1231.67%

HLBSL

884.9+0.88+0.1%00.13178.01101.94%8.4731.6834.99374.368.768.4715.510.04%6.9329.20.6825.728.051.962.17%19.3621.37%

ILBS

878+12.98+1.5%00.12140.07113.65%7.8320.3133.95327.18.526.8913.9623.93%9.2147.66-26.9811.831.652.77%14.6124.44%

JALPA

------------------------

JBLB

1,255.2+0.25+0.02%0.020.13255.24127.25%6.3247.7357.77575.996.227.5520.194.8%6.8327.380.522.459.832.653.22%20.7325.09%

JSLBB

98000%00.11170.91108.22%6.928.0919.73275.457.36.195.2721.45%8.93141.530.6255.513.280.591.45%5.1212.49%

KLBS

------------------------

KLBSL

------------------------

KMCDB

800-7.92-0.98%00.13154.96111.88%6.964.3712.22206.418.98.882.7414.14%7.87209.38-71.2810.210.361.03%2.767.74%

LLBS

884+18.01+2.08%00.13192.91115.22%6.7917.296.03161.787.587.779.212.59%6.7456.393.91156.729.231.160.4%9.573.33%

MATRI

808+5.94+0.74%0.010.1132.3105.65%14.415.119.04164.047.865.117.189.55%9.59630.2399.788.040.730.44%9.155.47%

MERO

663-9-1.34%0.010.11151.87103.74%7.1113.3315.83232.588.537.1210.2918.84%6.5656.045.6546.1610.261.161.39%8.9510.63%

MKLB

------------------------
AVG1,195.2-6.2-0.47%0.010.122202.45130.92%7.5431.2634.68386.557.677.4916.1611.64%8.5155.791.01746.5312.931.962.19%16.3118.2%
MED930-7.36-0.65%00.13174.46111.22%7.130.4834.99378.897.927.6615.689.96%7.845.990.5530.759.972.072.38%14.5418.6%
MAX5,43823.872.19%0.030.15484.74379.35%14.482.4991.55999.258.99.3736.6923.93%17.78209.385.65156.7247.773.724.02%38.3241.45%
MIN663-40.97-3.55%00.06131.5325.3%2.274.376.03161.781.374.792.742.32%3.5519.060.0618.66.630.360.4%2.763.33%

30

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum