Mahila Lagubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,299.00

NPR -71-5.18%

09:14 AM NPT · Aug 12, 2026

Est. Established after transfer of microfinance program from CWRD (Centre for Women Rights and Development), licensed by NRB as a D-class microfinance institution · Central Office: Kathmandu, Nepal (with multiple branch offices nationwide) · CEO: Saroj Kumar Singh

Mahila Laghubitta Bittiya Sanstha Limited (MLBSL) is a microfinance institution in Nepal, licensed by Nepal Rastra Bank (NRB) as a “D-class financial institution.” It operates as a public limited company offering microfinance and financial inclusion services, with a mission rooted in empowering women and low-income communities. MLBSL provides a variety of financial services tailored for vulnerable or underserved populations: savings and fixed-deposit accounts, group-based and individual loans (both collateral-based and non-collateral), remittance services (local and international), mobile banking and digital payment options, and social-welfare oriented schemes (including member insurance, community/social work, and client-protection funds). Its product offerings are designed to promote financial inclusion, empower women, and support socio-economic upliftment of lower-income groups. Through its branch network (with multiple branch offices regionally) MLBSL serves rural as well as semi-urban populations focusing especially on those excluded from mainstream banking services. In terms of its presence on the stock market: MLBSL is publicly listed under the ticker symbol MLBSL. As per the most recent data, the company had paid-up capital of NPR 21.75 crores. However, in the most recent fiscal year 2080/81 (B.S.), MLBSL announced that it would not distribute any dividend to shareholders a decision communicated in early 2025. The decision suggests the company is focusing on retaining earnings or strengthening its capital base given present economic or internal conditions.

Trading

Open

1,370.00

High

1,370.00

Low

1,291.00

Prev Close

1,370.00

Volume

7,755

Turnover

Rs 10,119,544.3

Txns

0

Valuation · Q3 FY25/26

EPS Ann.

33.74

EPS TTM

14.91

BVPS

243.39

P/E Ann.

38.50

P/E TTM

87.12

Graham #

429.85

Capital

Mkt Cap

2.83 Arab

Total

21.76 Lakh

Public

8.7 Lakh

Promoter

13.05 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

14.18

ADX

36.69

Overall Score

22
Below Line

Technical Score

Moving Averages

SMA 20

1657.65

SMA 50

1712.04

Bands & Channels

BB Width %

29.98%

Volume & Flow

OBV

100,743

Flow Analysis

[ Live 2026-08-12 ]

Total Buy

39,350

Shares Bought

Total Sell

39,350

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

70

Participating

ACCUM/DIST

Accumulation 56%

Distribution 44%

Accumulators

4

Quantity

12,205

Amount

16,816,912

Avg Rate

1377.87

Rank

#4

Brokers

#58#57#6#48

Distributors

3

Quantity

9,607

Amount

13,349,147

Avg Rate

1389.52

Rank

#5

Brokers

#38#14#53

Net Flow Impact:

+2,598units
(Rs. 3,467,766)

Net Flow by Timeframe

MLBSL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 47,855 ]

Buy Side

Total: 23,504

Broker

QTY

AVG

NET

%

58

6,110

1384.85

+3,910

15.5%

48

2,316

1342.46

+1,143

5.9%

57

2,163

1385.71

+1,325

5.5%

49

2,090

1400.22

+321

5.3%

45

1,773

1401.26

+1,129

4.5%

6

1,616

1391.74

+1,198

4.1%

32

1,129

1411.43

+586

2.9%

41

1,064

1381.15

+626

2.7%

25

1,025

1387.91

+413

2.6%

35

888

1398.71

+604

2.3%

19

810

1385.76

+486

2.1%

44

655

1379.86

+138

1.7%

88

650

1414.17

+650

1.6%

13

635

1458.14

+294

1.6%

64

580

1429.05

+580

1.5%

Sell Side

Total: 24,351

Broker

QTY

AVG

NET

%

38

3,701

1412.82

-2,626

9.4%

42

3,382

1372.66

-1,860

8.6%

14

3,213

1349.11

-2,576

8.2%

53

2,693

1405.72

-2,513

6.8%

1

2,252

1374.24

-2,000

5.7%

34

2,013

1486.16

-861

5.1%

17

1,535

1398.17

-24

3.9%

37

1,245

1401.47

-1,195

3.2%

29

811

1385.37

-160

2.1%

51

705

1379.24

-396

1.8%

22

688

1381.70

-432

1.8%

4

609

1369.76

-515

1.6%

7

591

1392.70

-86

1.5%

94

481

1403.37

-371

1.2%

36

432

1404.66

-350

1.1%

Financial Fundamentals

Financial MetricFY25/26 Q3FY24/25 Q3FY23/24 Q3FY22/23 Q3Growth %
Capital & Liabilities
Paid Up Capital217,563217,563217,56300.00%
Reserves and Surplus311,957326,658221,6000-4.50%
Debentures and Bonds0.000.000.000-
Borrowings2,897,2133,235,3433,031,0610-10.45%
Deposits2,236,8001,855,3771,582,6700+20.56%
Income Tax Liabilities0.0027331.772268.790-100.00%
Other Liabilities114,448110,21566,4140+3.84%
Total Capital & Liabilities5,777,9815,772,4865,121,5760+0.10%
Assets
Cash and Bank Balance101,901145,766130,8020-30.09%
Money at Call & Short Notice46,850000-
Investments0.000.000.000-
Loan and Advances5,506,5695,585,4424,955,7190-1.41%
Fixed Assets11,84813,19315,3540-10.19%
Non Banking Assets0.000.000.000-
Other Assets110,81328,08519,7010+294.56%
Total Assets5,777,9815,772,4865,121,5760+0.10%

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)P/E (TTM)P/SROA (Annualized)ROA (TTM)%ROE (Annualized)ROE (TTM)%

ACLBSL

943+15.12+1.63%00.13179.21201.13%8.3634.0234.53373.148.747.815.466.87%7.4229.327.88.062.082.11%20.8421.15%

ADLB

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

AKBSL

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

ALBSL

1,114+0.11+0.01%0.010.13163.92113.23%8.1529.2839.86383.428.287.2915.879.88%9.3439.227.7511.072.052.79%19.2526.22%

ANLB

5,305-133.24-2.45%0.010.11484.74-4.4982.4991.55999.25-8.229.2511.17%17.7878.3764.8840.763.213.57%19.6321.79%

AVYAN

1,060+17+1.63%00.15157.84110.28%8.352.5356.82449.218.888.4525.675.14%9.8322.1419.6210.113.724.02%38.3241.45%

BPW

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

CBBL

933+2.98+0.32%0.030.12241.9395.82%5.5333.4134.99436.426.86.6518.452.32%5.0327.326.328.962.252.36%14.4715.16%

CYCL

1,237-27.96-2.21%00.11269.54110.75%9.2826.7443.18511.737.846.338.7219.7%7.7358.4533.79.0711.62%9.9316.05%

DDBL

850+10+1.19%0.020.13212.26111.22%5.6344.1345.7467.187.76825.187.52%5.2819.0618.68.533.273.39%22.6323.43%

DLBS

1,147-12.99-1.12%00.11148.796.63%11.6318.2921.19266.267.926.778.3423.62%11.5770.5459.7510.470.951.11%11.7513.61%

FMDBL

788.7-21.97-2.71%0.010.06131.53119.28%2.2711.2713196.141.374.7936.694.36%8.3773.2560.6847.772.332.69%8.7210.06%

FOWAD

935+5.02+0.54%0.010.13239.61115.98%7.0818.1516.05294.167.347.117.5518.91%6.4964.2364.748.620.950.84%7.366.5%

GBLBS

749.9+17.72+2.42%0.010.14295.1825.3%4.494036.73493.918.139.3618.984.94%3.5519.6321.246.632.612.4%1412.85%

GGBSL

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

GILB

1,078+7.6+0.71%0.010.14214.72277.7%7.0845.1647.07476.878.249.3718.928.69%7.125.3324.018.522.732.85%22.1723.11%

GLBSL

1,753-16.99-0.96%00.14168.91379.35%9.5840.6239.89389.368.598.1717.93.41%14.2144.3145.4714.112.452.41%27.3626.86%

GMFBS

1,152+19.03+1.68%00.13169.51105.16%9.2353.7152.94449.357.568.5524.1714.29%10.8525.6924.5211.043.163.12%32.1231.67%

HLBSL

875-9.91-1.12%00.13178.01101.94%8.4731.6834.99374.368.768.4715.510.04%6.9329.225.728.051.962.17%19.3621.37%

ILBS

875-2.99-0.34%00.12140.07113.65%7.8320.3133.95327.18.526.8913.9623.93%9.2147.6626.9811.831.652.77%14.6124.44%

JALPA

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

JBLB

1,270+14.81+1.18%0.020.13255.24127.25%6.3247.7357.77575.996.227.5520.194.8%6.8327.3822.459.832.653.22%20.7325.09%

JSLBB

967.1-12.94-1.32%00.11170.91108.22%6.928.0919.73275.457.36.195.2721.45%8.93141.5355.513.280.591.45%5.1212.49%

KLBS

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

KLBSL

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

KMCDB

796.3-3.68-0.46%00.13154.96111.88%6.964.3712.22206.418.98.882.7414.14%7.87209.3871.2810.210.361.03%2.767.74%

LLBS

885+0.97+0.11%00.13192.91115.22%6.7917.296.03161.787.587.779.212.59%6.7456.39156.729.231.160.4%9.573.33%

MATRI

801.1-6.87-0.85%0.010.1132.3105.65%14.415.119.04164.047.865.117.189.55%9.596399.788.040.730.44%9.155.47%

MERO

663.1+0.13+0.02%0.010.11151.87103.74%7.1113.3315.83232.588.537.1210.2918.84%6.5656.0446.1610.261.161.39%8.9510.63%

MKLB

-----------------------
AVG1,189.92-6.32-0.1%0.010.122202.45130.92%7.5431.2634.68386.557.677.4916.1611.64%8.5155.7946.5312.931.962.19%16.3118.2%
MED9390.120.02%00.13174.46111.22%7.130.4834.99378.897.927.6615.689.96%7.845.9930.759.972.072.38%14.5418.6%
MAX5,30519.032.42%0.030.15484.74379.35%14.482.4991.55999.258.99.3736.6923.93%17.78209.38156.7247.773.724.02%38.3241.45%
MIN663.1-133.24-2.71%00.06131.5325.3%2.274.376.03161.781.374.792.742.32%3.5519.0618.66.630.360.4%2.763.33%

30

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum