Mahila Lagubitta Bittiya Sanstha Limited

MicrofinanceLow Cap

NPR 1,126.40

NPR +15.4+1.39%

09:10 AM NPT · Sep 24, 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

1,107.00

High

1,126.40

Low

1,107.00

Prev Close

1,111.00

Volume

626

Turnover

Rs 697,017

Txns

22

Valuation · Q4 FY25/26

EPS Ann.

37.91

EPS TTM

37.91

BVPS

148.70

P/E Ann.

29.71

P/E TTM

29.71

Graham #

356.14

Capital

Mkt Cap

2.45 Arab

Total

21.76 Lakh

Public

8.7 Lakh

Promoter

13.05 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Strong Sell

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Very Strong

Momentum

RSI (14)

82.69

ADX

54.27

Overall Score

58
Below Line

Technical Score

Moving Averages

SMA 20

1100.04

SMA 50

1377.23

Bands & Channels

BB Width %

14.62%

Volume & Flow

OBV

99,627

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

3,364

Shares Bought

Total Sell

3,364

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

34

Participating

ACCUM/DIST

Accumulation 34%

Distribution 66%

Accumulators

2

Quantity

726

Amount

807,612

Avg Rate

1112.41

Rank

#44

Brokers

#39#53

Distributors

2

Quantity

1,435

Amount

1,600,131

Avg Rate

1115.07

Rank

#39

Brokers

#58#49

Net Flow Impact:

-709units
(Rs. -792,519)

Net Flow by Timeframe

MLBSL — Broker Breakdown (7D)

15 Buyers13 Sellers

[ Vol: 5,393 ]

Buy Side

Total: 2,713

Broker

QTY

AVG

NET

%

39

400

1112.75

+400

11.9%

53

326

1112.00

+306

9.7%

41

284

1131.39

+284

8.4%

42

233

1122.44

+16

6.9%

57

224

1115.82

+179

6.7%

17

220

1130.00

+110

6.5%

4

183

1118.80

+75

5.4%

48

150

1116.00

+135

4.5%

32

128

1121.61

+68

3.8%

38

106

1133.91

+89

3.1%

35

100

1128.23

+64

3.0%

80

100

1135.00

+100

3.0%

22

97

1124.79

+65

2.9%

8

82

1117.82

+82

2.4%

51

80

1116.00

+56

2.4%

Sell Side

Total: 2,680

Broker

QTY

AVG

NET

%

58

1,069

1114.54

-930

31.8%

34

443

1128.14

-308

13.2%

49

366

1116.63

-311

10.9%

25

314

1134.96

-294

9.3%

94

150

1111.20

-150

4.5%

13

113

1117.80

-3

3.4%

36

84

1123.55

-84

2.5%

45

40

1111.72

-40

1.2%

62

25

1111.00

-25

0.7%

14

24

1129.08

-24

0.7%

11

23

1131.65

-3

0.7%

26

21

1112.00

-21

0.6%

43

8

1110.00

-8

0.2%

Financial Fundamentals

Financial MetricFY25/26 Q4FY24/25 Q4FY23/24 Q4FY22/23 Q4Growth %
Capital & Liabilities
Paid Up Capital0217,563217,56300.00%
Reserves and Surplus0300,384269,1250+11.62%
Debentures and Bonds00.000.000-
Borrowings2,697,5223,102,4742,963,3750-13.05%
Deposits01,940,8391,573,8000+23.32%
Income Tax Liabilities00.005501.950-100.00%
Other Liabilities121,547104,82295,0980+15.96%
Total Capital & Liabilities05,666,0815,124,4620+10.57%
Assets
Cash and Bank Balance0132,081141,3000-6.52%
Money at Call & Short Notice00.000.000-
Investments00.000.000-
Loan and Advances05,498,6654,951,3890+11.05%
Fixed Assets013,51014,8410-8.97%
Non Banking Assets00.000.000-
Other Assets62,23221,82616,9320+185.13%
Total Assets5,499,8135,666,0815,124,4620-2.93%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q4

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

877-0.97-0.11%00.14180.9188.13%7.9627.7927.79336.329.048.2412.446.01%5.1533.5432.134.171.681.68%16.4816.48%

ADLB

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

AKBSL

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

ALBSL

1,174.4-19.58-1.64%0.010.13174.67114%7.7832.6332.63358.18.567.2517.038.57%6.0132.1836.475.482.232.23%19.6219.62%

ANLB

4,987+48.89+0.99%00.11362.38-5.7369.7169.71753.91-7.6526.7910.78%19.87103.2971.827.673.073.07%19.9419.94%

AVYAN

1,060+0.95+0.09%00.14158.75111.65%8.3557.0457.04451.388.378.527.57.41%6.5618.2718.655.023.863.86%39.9239.92%

BPW

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

CBBL

956.8+7.78+0.82%0.030.12251.0695.51%5.3535.9135.91450.396.235.3219.332.3%3.6725.6826.734.962.372.37%14.9614.96%

CYCL

1,630+99.05+6.47%00.12357.75112.53%6.62110.66110.66943.797.916.6133.914.04%3.711213.464.074.024.02%34.8534.85%

DDBL

861+4.97+0.58%0.020.13226.87112.67%5.3848.1548.15495.777.767.4226.836.49%3.7517.6517.944.743.483.48%23.123.1%

DLBS

1,205.1-136.73-10.19%00.12150.5745.18%11.2715.7215.72230.777.986.587.0820.52%8.0376.9175.325.450.820.82%9.829.82%

FMDBL

759.5+9.52+1.27%0.010.06137.26123.87%2.0914.1814.18209.271.364.0447.122.88%6.2760.6553.6728.583.063.06%10.5610.56%

FOWAD

900+6.97+0.78%0.010.13278.57115.92%6.2352.1452.14571.677.566.5921.0716.17%3.5118.7817.513.962.692.69%19.7419.74%

GBLBS

692-0.48-0.07%0.010.14295.1825.3%4.494036.73493.918.139.3618.984.94%3.5519.6321.246.632.612.4%1412.85%

GGBSL

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

GILB

1,139.5+11.39+1.01%0.010.14242.58270.5%6.5761.8761.87581.118.818.5625.618.7%4.3717.1318.44.393.63.6%27.6127.61%

GLBSL

1,700-9.92-0.58%00.14169.51352.61%9.3431.1131.11344.468.498.1413.378.09%10.4156.755.457.581.871.87%20.2820.28%

GMFBS

1,124+23.98+2.18%00.12158105.93%9.4228.6828.68319.318.517.1613.9113.79%7.5241.4238.955.771.681.68%17.0917.09%

HLBSL

869+3.81+0.44%00.12185.5393.98%8.7131.2631.26361.248.37.3114.989.04%4.6927.8128.214.171.81.8%18.0618.06%

ILBS

950-18-1.86%00.13161.73120.99%6.5636.6636.66365.248.828.0722.6212.92%5.3423.5729.055.332.892.89%23.0323.03%

JALPA

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

JBLB

1,278.8+3.7+0.29%0.020.13279.95125.1%661.861.8623.927.197.2125.615.33%4.4720.2320.585.183.343.34%24.4224.42%

JSLBB

969-0.97-0.1%00.12175.1110.76%7.0710.710.7205.325.316.516.4717.14%5.7193.3692.346.040.750.75%6.426.42%

KLBS

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

KLBSL

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

KMCDB

828+17.98+2.22%00.13178.73114.65%6.2227.427.4331.948.668.316.529.78%4.3228.231.394.662.212.21%15.7315.73%

LLBS

860+5.98+0.7%00.13204.16194.11%7.1724.224.2333.419.547.112.3211.93%4.5138.0135.994.681.591.59%13.2413.24%

MATRI

727.1-21.79-2.91%00.12145.42114.29%12.3545.1345.13384.277.956.3218.6826.61%5.7718.5916.373.472.32.3%27.4627.46%

MERO

607+3.02+0.5%0.010.11149.8787.82%8.38.478.471698.375.926.2217.32%4.4779.172.264.920.690.69%5.635.63%

MKLB

-----------------------
AVG1,188.871.80.04%0.010.124210.21130.26%7.2339.639.45423.397.757.1919.7410.94%5.98539.2137.457.1332.392.38%19.1819.13%
MED953.43.750.47%00.13179.82114%6.8534.2734.27363.248.37.2318.839.41%4.9228.0130.224.992.342.34%18.8418.84%
MAX4,98799.056.47%0.030.14362.38352.61%12.35110.66110.66943.799.549.3647.1226.61%19.87103.2992.3428.584.024.02%39.9239.92%
MIN607-136.73-10.19%00.06137.2625.3%2.098.478.471691.364.046.222.3%3.511213.463.470.690.69%5.635.63%

30

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum