Mahila Lagubitta Bittiya Sanstha Limited

MicrofinanceMid Cap

NPR 1,798.00

NPR -7-0.39%

09:13 AM NPT · May 13, 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.

www.mlbsl.com.np/

Trading

Open

1,805.00

High

1,805.00

Low

1,783.00

Prev Close

1,805.00

Volume

302

Turnover

Rs 538,925

Txns

Valuation · Q2 FY25/26

EPS Ann.

33.06

EPS TTM

21.52

BVPS

258.10

P/E Ann.

54.39

P/E TTM

83.55

Graham #

438.16

Capital

Mkt Cap

3.91 Arab

Total

21.76 Lakh

Public

8.7 Lakh

Promoter

13.05 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

41.09

ADX

13.36

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1809.55

SMA 50

1867.27

Bands & Channels

BB Width %

6.59%

Volume & Flow

OBV

148,783

Flow Analysis

[ Live 2026-05-13 ]

Total Buy

3,810

Shares Bought

Total Sell

3,810

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 65%

Distribution 35%

Accumulators

Quantity

2,141

Amount

3,909,492

Avg Rate

1826.01

Rank

#21

Brokers

#53

Distributors

Quantity

1,144

Amount

2,090,269

Avg Rate

1827.16

Rank

#35

Brokers

#32#56#14

Net Flow Impact:

+997units

(Rs. 1,819,223)

Net Flow by Timeframe

MLBSL — Broker Breakdown (7D)

11 Buyers15 Sellers

[ Vol: 6,248 ]

Buy Side

Total: 3,130

Broker

QTY

AVG

NET

2,141

1826.01

+2,131

56.2%

333

1789.01

+293

8.7%

193

1809.59

+122

5.1%

188

1799.34

+118

4.9%

107

1799.72

+16

2.8%

1793.48

+27

1.1%

1776.64

+41

1.1%

1785.00

1.1%

1768.00

0.5%

1785.00

+15

0.4%

1790.00

+10

0.3%

Sell Side

Total: 3,118

Broker

QTY

AVG

NET

525

1823.06

-334

13.8%

501

1809.57

-305

13.2%

410

1808.85

-409

10.8%

373

1850.00

-360

9.8%

361

1824.35

-351

9.5%

273

1787.38

-184

7.2%

147

1799.11

-147

3.9%

114

1821.37

-69

3.0%

1814.05

-44

1.9%

1800.00

-70

1.8%

1821.21

-67

1.8%

1797.90

-62

1.6%

1814.13

-6

1.4%

1792.00

-43

1.1%

1789.10

-43

1.1%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Capital & Liabilities
Paid Up Capital	217,562,500	217,562,500	217,562,500	147,500,000	0.00%
Reserves and Surplus	343,956,830	293,581,922	209,021,783	291,722,206	+17.16%
Debentures and Bonds	0.00	0.00	0.00	0.00	-
Borrowings	2,956,219,474	3,150,135,091	2,859,595,486	2,756,098,354	-6.16%
Deposits	2,130,402,821	1,733,464,925	1,504,683,193	1,382,209,231	+22.90%
Income Tax Liabilities	12,001,814	1,733,464,925	3,941,219	2,535,150	-99.31%
Other Liabilities	109,313,888	146,084,103	85,975,648	104,130,137	-25.17%
Total Capital & Liabilities	5,769,457,327	5,540,828,541	4,880,779,829	4,684,195,078	+4.13%
Assets
Cash and Bank Balance	110,739,409	147,129,559	156,640,769	154,764,957	-24.73%
Money at Call & Short Notice	46,850,000	0	0	0	-
Investments	0.00	0.00	0.00	0.00	-
Loan and Advances	5,498,325,120	5,355,789,366	4,690,457,644	4,499,427,626	+2.66%
Fixed Assets	12,497,474	14,090,304	15,929,278	15,741,123	-11.30%
Non Banking Assets	0.00	0.00	0.00	0.00	-
Other Assets	101,045,325	23,819,313	17,752,137	14,261,372	+324.22%
Total Assets	5,769,457,328	5,540,828,542	4,880,779,828	4,684,195,078	+4.13%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
ACLBSL	954	+3.04	+0.32%	0	0.13	169.98	213.9%	32.57	33.11	355.85	8.27%	7.44%	5.2%	14.84%	11.3	29.47	0.38	31.23	30.72	17.51	1.98%	2.01%	21%	21.36%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,107.4	-4.56	-0.41%	0.01	0.13	158.08	6.57%	31.29	38.77	371.35	8.4%	7.16%	10.15%	17.5%	14.95	37.78	0.09	35.6	28.73	26.45	2.24%	2.79%	21.34%	26.44%
ANLB	6,050	-15.16	-0.25%	0.01	0.12	428.75	0%	77.9	85.26	906.91	0%	-	11.81%	27.93%	28.45	78.31	0.31	80.87	73.89	87.5	3.32%	3.65%	20.24%	22.16%
AVYAN	1,105	-23.01	-2.04%	0	0.03	149.39	109.7%	61.89	55.85	433.27	8.34%	8.86%	4.15%	29.02%	12.66	15.29	0.01	15.51	17.19	17.75	0.9%	0.81%	47.92%	43.25%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	919	0	0%	0.03	0.13	233.66	94.92%	31.85	35.31	430.86	5.51%	6.96%	2.45%	17.74%	7.89	28.95	963	28.89	26.05	20.54	2.22%	2.46%	14.32%	15.87%
CYCL	1,472	+7.91	+0.54%	0	0.12	268.72	111.75%	27.99	41.89	503.26	7.91%	6.38%	18.48%	9.02%	11.24	53.96	0	55.09	36.81	19.47	1.06%	1.61%	10.74%	16.09%
DDBL	846.2	-0.68	-0.08%	0.02	0.14	221.13	115.62%	47.41	47.55	486.4	7.83%	8.32%	8.43%	24.37%	7.42	17.3	0.27	17.51	17.46	16.87	3.36%	3.37%	23.26%	23.33%
DLBS	1,328	-166.99	-11.17%	0	0.12	179.13	94.98%	18.38	19.05	277.09	7.67%	7.44%	9.83%	7.8%	14.52	70.73	0.15	71.27	68.77	22.09	0.94%	0.98%	10.82%	11.23%
FMDBL	793	-11.99	-1.49%	0.01	0.06	128.31	114.74%	10.47	11.14	179.33	1.42%	4.14%	4.52%	35.1%	12.39	75.93	2.15	74.4	69.93	106.64	2.12%	2.27%	8.24%	8.78%
FOWAD	1,050.1	-9.86	-0.93%	0.01	0.13	234.69	112.57%	31.98	20.71	330.7	7.31%	7.3%	8.92%	13.3%	9.12	33.46	0.02	32.86	50.75	17.8	1.7%	1.1%	13.14%	8.51%
GBLBS	762.2	-8.79	-1.14%	0.01	0.14	278.07	26.68%	43.75	34.76	466.35	8.84%	9.62%	4.76%	20.85%	5.57	17.69	1.06	17.21	21.66	14.76	2.94%	2.34%	15.96%	12.68%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,116.5	-21.51	-1.89%	0.01	0.15	197.29	282.59%	32.67	34.47	391.17	8.43%	9.46%	8.96%	13.69%	11.67	35.23	0	33.76	32	19.3	2.02%	2.14%	16.8%	17.73%
GLBSL	1,780	-25.09	-1.39%	0	0.14	159.33	393.94%	40.22	38.34	370.74	8.44%	8.32%	3.13%	17.81%	24.15	47.84	0.9	41.57	0	34.09	2.5%	2.38%	28.82%	27.47%
GMFBS	1,332.9	+5.05	+0.38%	0	0.14	185.26	107.54%	-4.71	17.54	270.39	8.32%	8.86%	14.37%	-2.06%	16.14	-317.41	0	-309.55	83.12	26.18	-0.28%	1.07%	-2.96%	11.05%
HLBSL	890	-14.01	-1.55%	0	0.11	167.35	95.52%	26.24	32.38	349.17	8.6%	7.9%	8.58%	13.2%	10.68	34.05	0.57	34.49	27.95	17.99	1.48%	1.82%	16.98%	20.97%
ILBS	935	+1.96	+0.21%	0	0.13	136.88	119.88%	24.07	49.91	392.06	8.31%	7.38%	17.85%	15.51%	14.52	41.3	0.24	39.05	18.83	25.63	2%	4.16%	18.84%	39.06%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,300	-4.96	-0.38%	0.02	0.13	277.15	124.79%	50.65	60.15	612.44	5.85%	7.32%	5.98%	19.57%	9.54	26.1	0.39	25.94	21.84	20.44	2.56%	3.05%	20.08%	23.85%
JSLBB	1,100	+14.97	+1.38%	0	0.11	170.87	107.57%	11.8	19.17	271.48	7.6%	6.12%	9.15%	7.55%	13.55	98.14	0.42	95.25	58.63	29.66	0.86%	1.4%	7.44%	12.11%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	884.8	-4.89	-0.55%	0	0.14	164.7	112.75%	26.09	27.74	320.62	8.67%	8.82%	11.42%	16.43%	11.48	36.22	1.33	34.92	32.84	23.81	2.3%	2.45%	16.28%	17.31%
LLBS	960	+2.11	+0.22%	0	0.12	187.67	107.03%	15.31	8.11	185.05	6.19%	7.64%	13.04%	8.25%	9.88	60.55	0.66	60.42	114.06	19.99	0.98%	0.52%	8.78%	4.65%
MATRI	910	+9.46	+1.05%	0.01	0.1	119.9	102.58%	11.25	9.36	158.91	7.28%	4.96%	10.48%	5.5%	16.35	87.11	0.6	85.78	103.1	19.18	0.54%	0.45%	7%	5.84%
MERO	715	-2.08	-0.29%	0.01	0.12	155.78	110.81%	13.88	16.56	240.92	8.6%	7.38%	19.54%	10.28%	9.53	53.46	3.4	51.59	43.24	21.99	1.24%	1.48%	9.08%	10.84%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,286.87	-12.23	-0.88%	0.01	0.12	198.73	121.2%	30.13	33.51	377.47	7.17%	7.51%	9.6%	15.6%	12.864	30.066	44.361	29.712	44.435	28.438	1.77%	2.01%	16.1%	18.21%
MED	1,005.05	-4.73	-0.33%	0.01	0.13	175	110.26%	29.64	33.79	363.3	8.09%	7.44%	9.06%	15.18%	11.575	37	0.385	35.26	32.42	20.49	1.99%	2.08%	16.12%	16.7%
MAX	6,050	14.97	1.38%	0.03	0.15	428.75	393.94%	77.9	85.26	906.91	8.84%	9.62%	19.54%	35.1%	28.45	98.14	963	95.25	114.06	106.64	3.36%	4.16%	47.92%	43.25%
MIN	715	-166.99	-11.17%	0	0.03	119.9	0%	-4.71	8.11	158.91	0%	4.14%	2.45%	-2.06%	5.57	-317.41	0	-309.55	0	14.76	-0.28%	0.45%	-2.96%	4.65%