| PBV | 3.81 |
| Fiscal Year | 082/083 |
| Quarter | q3 |
| EPS | 33.41 |
| Book Value | RS. 241.93 |
| Paidup Capital | RS. 3617264102 |
| Base Rate | 11.78% |
| CD Ratio | 95.82% |
| Spread Rate | 6.8% |
| NPL | 2.32% |
View more details stock info of CBBL
About Chhimek Laghubitta Bittiya Sanstha Ltd. (CBBL)
Introduction
Chhimek Laghubitta Bittiya Sanstha Ltd. (CBBL) is one of Nepal's leading Class 'D' microfinance institutions, dedicated to expanding financial inclusion, empowering women, and reducing poverty through sustainable microfinance services.
The institution was incorporated in September 2001 and received its microfinance banking license from Nepal Rastra Bank (NRB) in November 2001. Chhimek was established as an offshoot of the successful microfinance program implemented by the Neighbourhood Society Service Centre (NSSC), a national-level non-governmental organization that began providing community-based microfinance services in the 1990s in Mahottari and Chitwan districts of Nepal.
Since its establishment, Chhimek has remained committed to improving access to formal financial services for poor and marginalized women, particularly in underserved and rural communities. Through responsible microfinance, the institution promotes financial independence, entrepreneurship, savings, and sustainable livelihood development.
Our Purpose
Chhimek's primary objective is to empower low-income women by providing accessible and inclusive financial services that help improve household income, strengthen economic resilience, and enhance overall quality of life.
The institution actively promotes:
Financial inclusion for underserved and marginalized communities.
Regular savings and financial discipline.
Income-generating activities and self-employment.
Microenterprise development.
Social security and community-based financial services.
Women's economic empowerment and sustainable livelihood improvement.
Our Growth
Over the years, Chhimek Laghubitta Bittiya Sanstha Ltd. has grown into one of Nepal's largest microfinance institutions.
By 2025, the institution had:
Served more than 400,000 poor and marginalized women clients.
Expanded its operations to 69 districts across Nepal.
Established a nationwide network of 197 branch offices.
Increased its core fund nearly 180 times from its initial paid-up capital of NPR 10 million.
This sustained growth reflects Chhimek's long-term commitment to expanding financial access while maintaining responsible and sustainable microfinance operations.
Ownership Structure
Chhimek Laghubitta Bittiya Sanstha Ltd. is listed on the Nepal Stock Exchange (NEPSE) under the trading symbol CBBL.
The company's ownership structure includes:
Nabil Bank Ltd. – 8.73%
Global IME Bank Ltd. – 8.22%
Himalayan Bank Ltd. – 8.73%
Neighbourhood Society Service Centre (NSSC) – 9.00%
Other Shareholders – 65.33%
The diverse shareholding structure reflects the confidence of institutional investors and public shareholders in the institution's governance and long-term sustainability.
Value-Added Services
Beyond traditional microfinance services, Chhimek provides a range of value-added initiatives designed to improve the long-term well-being of its members and their families.
The institution supports:
Microenterprise and business development.
Financial literacy and responsible financial management.
Income generation and entrepreneurship.
Social security initiatives.
Improved access to quality education for members' children through an enabling ecosystem of partner institutions.
These integrated programs help create sustainable opportunities for economic and social advancement among low-income households.
Strategic Partnerships
Chhimek collaborates with Nepal Rastra Bank, the Government of Nepal, and various national and international development partners to strengthen financial inclusion and expand access to responsible microfinance services.
The institution has also partnered with organizations including UKAid/DFID and UNNATI/UNCDF to promote innovative, technology-enabled microfinance delivery channels. These partnerships support digital financial services, value chain financing, and improved access to financial products for underserved populations across Nepal.
Our Vision
To be a socially responsible microfinance institution that empowers poor communities to build a prosperous, self-reliant rural society through self-employment, financial inclusion, and social awareness, while contributing to poverty reduction in Nepal.
Our Mission
To sustainably deliver accessible financial services and promote social awareness among poor, underserved, and unserved communities across Nepal, enabling inclusive economic growth and long-term community development.
Our Commitment
Chhimek Laghubitta Bittiya Sanstha Ltd. remains committed to responsible microfinance, ethical banking practices, and customer-centric service. Through innovation, strong partnerships, and sustainable financial solutions, the institution continues to empower women, promote entrepreneurship, expand financial inclusion, and contribute to Nepal's socio-economic development.
