Mahuli Laghubitta Bittiya Sanstha Limited

MicrofinanceMid Cap

NPR 1,177.90

NPR -0.3-0.03%

09:14 AM NPT · Nov 6, 2026

Est. 2012-09-02 (2070-05-17 B.S.) — Began microfinance operations on 2013-06-15 · Aganisair Krishnasawaran-6, Mahuli, Saptari, Nepal · CEO: Saroj Kumar Singh

Mahuli Samudayik Laghubitta Bittiya Sanstha Limited is a microfinance institution based in Nepal. It was registered on 2 September 2012 as a “microfinance public limited company.” The institution took over the microfinance program, assets, liabilities, and staff of the sponsoring NGO Mahuli Community Development Center (MCDC), formally starting operations on 15 June 2013 after obtaining a license as a “D-class microfinance bank” from the central bank. MSLB’s operations span across many districts its services are permitted in 15 districts including Saptari, Siraha, Udaypur, Khotang, Sunsari, Bhojpur, Okhaldhunga, Sindhuli, Dhankuta, Ramechhap, Terhathum, Sankhuwasabha, Solukhumbu, Sarlahi, and Mahottari.Its head office address is listed as Aganisair Krishanasawaran-6, Mahuli, Saptari, Nepal. As a microfinance company, MSLB provides financial services (loans, savings, micro-credit) to underserved or low-income communities, particularly focusing on rural or under-banked areas. Over time, it has built a branch network across multiple districts and thus aims to improve financial inclusion.MSLB is also publicly listed (share symbol: “MSLB”) on Nepal’s stock exchange, making it part of the formal financial market.

www.mslbsl.com.np/facebook linkedin

Trading

Open

1,151.10

High

1,178.20

Low

1,151.10

Prev Close

1,178.20

Volume

1,311

Turnover

Rs 1,525,896

Txns

Valuation · Q4 FY25/26

EPS Ann.

49.88

EPS TTM

49.88

BVPS

227.91

P/E Ann.

23.61

P/E TTM

23.61

Graham #

505.75

Capital

Mkt Cap

4.56 Arab

Total

38.75 Lakh

Public

13.84 Lakh

Promoter

24.91 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

42.02

ADX

37.54

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1185.62

SMA 50

1198.48

Bands & Channels

BB Width %

2.32%

Volume & Flow

OBV

313,091

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

3,433

Shares Bought

Total Sell

3,433

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 39%

Distribution 61%

Accumulators

Quantity

977

Amount

1,133,956

Avg Rate

1160.65

Rank

#36

Brokers

#44#41

Distributors

Quantity

1,511

Amount

1,757,259

Avg Rate

1162.98

Rank

#36

Brokers

#56#74#35

Net Flow Impact:

-534units

(Rs. -623,303)

Net Flow by Timeframe

MSLB — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 5,676 ]

Buy Side

Total: 2,866

Broker

QTY

AVG

NET

620

1157.50

+370

18.1%

357

1166.12

+347

10.4%

351

1181.04

+318

10.2%

280

1170.14

+280

8.2%

211

1172.37

+162

6.2%

200

1170.00

+190

5.8%

200

1170.10

+190

5.8%

191

1165.00

+181

5.6%

163

1173.87

+163

4.8%

130

1156.19

+40

3.8%

1166.25

+80

2.3%

1168.10

+19

0.8%

1190.00

+25

0.7%

1161.00

+20

0.6%

1160.00

0.3%

Sell Side

Total: 2,810

Broker

QTY

AVG

NET

630

1156.97

-205

18.4%

541

1165.52

-541

15.8%

340

1170.06

-340

9.9%

227

1169.97

-166

6.6%

191

1176.67

-191

5.6%

174

1169.57

-174

5.1%

160

1166.88

-110

4.7%

100

1165.06

-100

2.9%

1171.00

-98

2.9%

1173.00

-81

2.4%

1178.83

-60

2.0%

1176.43

-60

1.8%

1173.39

-36

1.6%

1171.00

-52

1.5%

1173.40

-30

0.9%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Capital & Liabilities
Paid Up Capital	0	369,924	322,379	0	+14.75%
Reserves and Surplus	0	423,138	349,462	0	+21.08%
Debentures and Bonds	0	0.00	0.00	0	-
Borrowings	3,433,406	2,910,098	2,420,086	0	+17.98%
Deposits	0	1,830,213	1,645,487	0	+11.23%
Income Tax Liabilities	0	0.00	1165.86	0	-100.00%
Other Liabilities	260,544	253,045	241,503	0	+2.96%
Total Capital & Liabilities	0	5,786,418	4,980,082	0	+16.19%
Assets
Cash and Bank Balance	0	442,963	252,380	0	+75.51%
Money at Call & Short Notice	0	0.00	22505.00	0	-100.00%
Investments	0	1000.00	1000.00	0	0.00%
Loan and Advances	0	5,247,941	4,625,641	0	+13.45%
Fixed Assets	0	30,811	30,326	0	+1.60%
Non Banking Assets	0	0.00	0.00	0	-
Other Assets	34,754	63,702	48,230	0	-45.44%
Total Assets	6,662,324	5,786,418	4,980,082	0	+15.14%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q4

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	Book Value Per Share	C/D Ratio%	Debt to Equity	EPS (Annualized)	EPS (TTM)	Graham's Number	Interest Rate Spread	Net Interest Margin	Net Profit Margin	NPL%	P/B	P/E (Annualized)	PEG	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ACLBSL	817.5	-15.66	-1.88%	0	0.14	180.9	188.13%	7.96	27.79	27.79	336.32	9.04	8.24	12.44	6.01%	5.15	33.54	3.99	32.13	4.17	1.68	1.68%	16.48	16.48%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,169.6	-2.34	-0.2%	0.01	0.13	174.67	114%	7.78	32.63	32.63	358.1	8.56	7.25	17.03	8.57%	6.01	32.18	2.55	36.47	5.48	2.23	2.23%	19.62	19.62%
ANLB	4,899.3	+30.19	+0.62%	0	0.11	362.38	-	5.73	69.71	69.71	753.91	-	7.65	26.79	10.78%	19.87	103.29	3.24	71.8	27.67	3.07	3.07%	19.94	19.94%
AVYAN	1,020	+2.04	+0.2%	0	0.14	158.75	111.65%	8.35	57.04	57.04	451.38	8.37	8.5	27.5	7.41%	6.56	18.27	0.16	18.65	5.02	3.86	3.86%	39.92	39.92%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	987	-2.77	-0.28%	0.04	0.12	251.06	95.51%	5.35	35.91	35.91	450.39	6.23	5.32	19.33	2.3%	3.67	25.68	-	26.73	4.96	2.37	2.37%	14.96	14.96%
CYCL	1,362	+10.41	+0.77%	0	0.12	357.75	112.53%	6.62	110.66	110.66	943.79	7.91	6.61	33.9	14.04%	3.71	12	0.09	13.46	4.07	4.02	4.02%	34.85	34.85%
DDBL	862.5	-4.51	-0.52%	0.02	0.13	226.87	112.67%	5.38	48.15	48.15	495.77	7.76	7.42	26.83	6.49%	3.75	17.65	0.59	17.94	4.74	3.48	3.48%	23.1	23.1%
DLBS	1,039	0	0%	0	0.12	150.57	45.18%	11.27	15.72	15.72	230.77	7.98	6.58	7.08	20.52%	8.03	76.91	2.01	75.32	5.45	0.82	0.82%	9.82	9.82%
FMDBL	718	+2	+0.28%	0.01	0.06	137.26	123.87%	2.09	14.18	14.18	209.27	1.36	4.04	47.12	2.88%	6.27	60.65	1.2	53.67	28.58	3.06	3.06%	10.56	10.56%
FOWAD	900.1	+5.1	+0.57%	0.01	0.13	278.57	115.92%	6.23	52.14	52.14	571.67	7.56	6.59	21.07	16.17%	3.51	18.78	0.02	17.51	3.96	2.69	2.69%	19.74	19.74%
GBLBS	641.3	-10.23	-1.57%	0.01	0.14	295.18	25.3%	4.49	40	36.73	493.91	8.13	9.36	18.98	4.94%	3.55	19.63	1	21.24	6.63	2.61	2.4%	14	12.85%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,127.6	+17.54	+1.58%	0.01	0.14	242.58	270.5%	6.57	61.87	61.87	581.11	8.81	8.56	25.61	8.7%	4.37	17.13	0.3	18.4	4.39	3.6	3.6%	27.61	27.61%
GLBSL	1,440	-39.05	-2.64%	0	0.14	169.51	352.61%	9.34	31.11	31.11	344.46	8.49	8.14	13.37	8.09%	10.41	56.7	-	55.45	7.58	1.87	1.87%	20.28	20.28%
GMFBS	1,039	+9.98	+0.97%	0	0.12	158	105.93%	9.42	28.68	28.68	319.31	8.51	7.16	13.91	13.79%	7.52	41.42	17.08	38.95	5.77	1.68	1.68%	17.09	17.09%
HLBSL	870	-8.97	-1.02%	0	0.12	185.53	93.98%	8.71	31.26	31.26	361.24	8.3	7.31	14.98	9.04%	4.69	27.81	3.16	28.21	4.17	1.8	1.8%	18.06	18.06%
ILBS	965	+24.91	+2.65%	0	0.13	161.73	120.99%	6.56	36.66	36.66	365.24	8.82	8.07	22.62	12.92%	5.34	23.57	0.31	29.05	5.33	2.89	2.89%	23.03	23.03%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,289	+7.94	+0.62%	0.02	0.13	279.95	125.1%	6	61.8	61.8	623.92	7.19	7.21	25.61	5.33%	4.47	20.23	0.73	20.58	5.18	3.34	3.34%	24.42	24.42%
JSLBB	923.4	+10.41	+1.14%	0	0.12	175.1	110.76%	7.07	10.7	10.7	205.32	5.31	6.51	6.47	17.14%	5.71	93.36	3.8	92.34	6.04	0.75	0.75%	6.42	6.42%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	775.1	+0.08	+0.01%	0	0.13	178.73	114.65%	6.22	27.4	27.4	331.94	8.66	8.3	16.52	9.78%	4.32	28.2	9.34	31.39	4.66	2.21	2.21%	15.73	15.73%
LLBS	813.9	+0.89	+0.11%	0	0.13	204.16	194.11%	7.17	24.2	24.2	333.41	9.54	7.1	12.32	11.93%	4.51	38.01	0.08	35.99	4.68	1.59	1.59%	13.24	13.24%
MATRI	709.8	+9.18	+1.31%	0	0.12	145.42	114.29%	12.35	45.13	45.13	384.27	7.95	6.32	18.68	26.61%	5.77	18.59	0.03	16.37	3.47	2.3	2.3%	27.46	27.46%
MERO	631.9	+2.02	+0.32%	0.01	0.11	149.87	87.82%	8.3	8.47	8.47	169	8.37	5.92	6.22	17.32%	4.47	79.1	-	72.26	4.92	0.69	0.69%	5.63	5.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,136.41	2.23	0.14%	0.01	0.124	210.21	130.26%	7.23	39.6	39.45	423.39	7.75	7.19	19.74	10.94%	5.985	39.21	2.615	37.45	7.133	2.39	2.38%	19.18	19.13%
MED	944.2	2.01	0.24%	0	0.13	179.82	114%	6.85	34.27	34.27	363.24	8.3	7.23	18.83	9.41%	4.92	28.01	1	30.22	4.99	2.34	2.34%	18.84	18.84%
MAX	4,899.3	30.19	2.65%	0.04	0.14	362.38	352.61%	12.35	110.66	110.66	943.79	9.54	9.36	47.12	26.61%	19.87	103.29	17.08	92.34	28.58	4.02	4.02%	39.92	39.92%
MIN	631.9	-39.05	-2.64%	0	0.06	137.26	25.3%	2.09	8.47	8.47	169	1.36	4.04	6.22	2.3%	3.51	12	0.02	13.46	3.47	0.69	0.69%	5.63	5.63%