Mahuli Laghubitta Bittiya Sanstha Limited

MicrofinanceMid Cap

NPR 1,275.00

NPR +16+1.27%

09:14 AM NPT · Aug 11, 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

1,229.00

High

1,275.00

Low

1,229.00

Prev Close

1,259.00

Volume

445

Turnover

Rs 555,578.8

Txns

Valuation · Q3 FY25/26

EPS Ann.

42.26

EPS TTM

50.78

BVPS

210.37

P/E Ann.

30.17

P/E TTM

25.11

Graham #

447.25

Capital

Mkt Cap

4.72 Arab

Total

36.99 Lakh

Public

11.1 Lakh

Promoter

25.89 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

59.54

ADX

38.83

Overall Score

100

Above Line

Technical Score

Moving Averages

SMA 20

1243.91

SMA 50

1240.21

Bands & Channels

BB Width %

9.32%

Volume & Flow

OBV

312,854

Flow Analysis

[ Live 2026-08-11 ]

Total Buy

6,596

Shares Bought

Total Sell

6,596

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 49%

Distribution 51%

Accumulators

Quantity

2,249

Amount

2,837,702

Avg Rate

1261.76

Rank

#22

Brokers

#47#42

Distributors

Quantity

2,305

Amount

2,907,711

Avg Rate

1261.48

Rank

#24

Brokers

#48#44#39#83

Net Flow Impact:

-56units

(Rs. -70,009)

Net Flow by Timeframe

MSLB — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 10,201 ]

Buy Side

Total: 4,912

Broker

QTY

AVG

NET

1,453

1258.54

+1,433

22.0%

796

1267.64

+631

12.1%

464

1254.31

+464

7.0%

396

1270.04

+256

6.0%

394

1255.27

+374

6.0%

300

1255.33

+280

4.5%

292

1254.16

+292

4.4%

200

1265.00

+130

3.0%

196

1259.01

+196

3.0%

177

1269.94

+147

2.7%

1276.67

+60

0.9%

1260.00

+50

0.8%

1251.00

+40

0.8%

1261.30

+40

0.8%

1261.33

+20

0.5%

Sell Side

Total: 5,289

Broker

QTY

AVG

NET

989

1258.86

-809

15.0%

690

1261.12

-94

10.5%

610

1267.17

-610

9.3%

450

1267.02

-236

6.8%

390

1259.42

-98

5.9%

356

1253.44

-356

5.4%

350

1267.14

-350

5.3%

310

1272.90

-183

4.7%

200

1269.92

-180

3.0%

200

1260.04

-200

3.0%

196

1254.00

-196

3.0%

176

1253.76

-57

2.7%

168

1260.63

-168

2.5%

104

1260.00

-104

1.6%

100

1262.90

-100

1.5%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Capital & Liabilities
Paid Up Capital	387,495	369,924	322,379	0	+4.75%
Reserves and Surplus	427,667	349,620	314,105	0	+22.32%
Debentures and Bonds	0.00	0.00	0.00	0	-
Borrowings	3,390,828	2,851,178	2,320,601	0	+18.93%
Deposits	1,989,107	1,757,220	1,602,475	0	+13.20%
Income Tax Liabilities	7,138	0	346	0	-
Other Liabilities	260,785	232,519	243,297	0	+12.16%
Total Capital & Liabilities	6,463,020	5,560,461	4,803,202	0	+16.23%
Assets
Cash and Bank Balance	348,189	507,072	245,271	0	-31.33%
Money at Call & Short Notice	0.00	30000.00	0.00	0	-100.00%
Investments	1000.00	1000.00	1000.00	0	0.00%
Loan and Advances	5,989,318	4,921,582	4,474,535	0	+21.69%
Fixed Assets	29,844	31,037	31,877	0	-3.84%
Non Banking Assets	0.00	0.00	0.00	0	-
Other Assets	94,670	69,769	50,518	0	+35.69%
Total Assets	6,463,020	5,560,461	4,803,202	0	+16.23%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q3

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	927.9	+12.9	+1.41%	0	0.13	179.21	201.13%	8.36	34.02	34.53	373.14	8.74	7.8	15.46	6.87%	7.42	29.3	0.53	27.8	8.06	2.08	2.11%	20.84	21.15%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,113.9	+23.87	+2.19%	0.01	0.13	163.92	113.23%	8.15	29.28	39.86	383.42	8.28	7.29	15.87	9.88%	9.34	39.2	0.26	27.75	11.07	2.05	2.79%	19.25	26.22%
ANLB	5,438	-28.97	-0.53%	0.01	0.11	484.74	-	4.49	82.49	91.55	999.25	-	8.2	29.25	11.17%	17.78	78.37	0.57	64.88	40.76	3.21	3.57%	19.63	21.79%
AVYAN	1,043	-7.99	-0.76%	0	0.15	157.84	110.28%	8.3	52.53	56.82	449.21	8.88	8.45	25.67	5.14%	9.83	22.14	0.06	19.62	10.11	3.72	4.02%	38.32	41.45%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	930	0	0%	0.03	0.12	241.93	95.82%	5.53	33.41	34.99	436.42	6.8	6.65	18.45	2.32%	5.03	27.3	-	26.32	8.96	2.25	2.36%	14.47	15.16%
CYCL	1,265	-13.04	-1.02%	0	0.11	269.54	110.75%	9.28	26.74	43.18	511.73	7.84	6.33	8.72	19.7%	7.73	58.45	-	33.7	9.07	1	1.62%	9.93	16.05%
DDBL	840	0	0%	0.02	0.13	212.26	111.22%	5.63	44.13	45.7	467.18	7.76	8	25.18	7.52%	5.28	19.06	0.45	18.6	8.53	3.27	3.39%	22.63	23.43%
DLBS	1,160	-19.94	-1.69%	0	0.11	148.7	96.63%	11.63	18.29	21.19	266.26	7.92	6.77	8.34	23.62%	11.57	70.54	0.28	59.75	10.47	0.95	1.11%	11.75	13.61%
FMDBL	788	-29	-3.55%	0.01	0.06	131.53	119.28%	2.27	11.27	13	196.14	1.37	4.79	36.69	4.36%	8.37	73.25	1.15	60.68	47.77	2.33	2.69%	8.72	10.06%
FOWAD	930	-15.03	-1.59%	0.01	0.13	239.61	115.98%	7.08	18.15	16.05	294.16	7.34	7.11	7.55	18.91%	6.49	64.23	0.16	64.74	8.62	0.95	0.84%	7.36	6.5%
GBLBS	732.2	-6.8	-0.92%	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	1,070.4	-17.63	-1.62%	0.01	0.14	214.72	277.7%	7.08	45.16	47.07	476.87	8.24	9.37	18.92	8.69%	7.1	25.33	0.63	24.01	8.52	2.73	2.85%	22.17	23.11%
GLBSL	1,770	-14.99	-0.84%	0	0.14	168.91	379.35%	9.58	40.62	39.89	389.36	8.59	8.17	17.9	3.41%	14.21	44.31	1.48	45.47	14.11	2.45	2.41%	27.36	26.86%
GMFBS	1,133	-40.97	-3.49%	0	0.13	169.51	105.16%	9.23	53.71	52.94	449.35	7.56	8.55	24.17	14.29%	10.85	25.69	0.15	24.52	11.04	3.16	3.12%	32.12	31.67%
HLBSL	884.9	+0.88	+0.1%	0	0.13	178.01	101.94%	8.47	31.68	34.99	374.36	8.76	8.47	15.5	10.04%	6.93	29.2	0.68	25.72	8.05	1.96	2.17%	19.36	21.37%
ILBS	878	+12.98	+1.5%	0	0.12	140.07	113.65%	7.83	20.31	33.95	327.1	8.52	6.89	13.96	23.93%	9.21	47.66	-	26.98	11.83	1.65	2.77%	14.61	24.44%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,255.2	+0.25	+0.02%	0.02	0.13	255.24	127.25%	6.32	47.73	57.77	575.99	6.22	7.55	20.19	4.8%	6.83	27.38	0.5	22.45	9.83	2.65	3.22%	20.73	25.09%
JSLBB	980	0	0%	0	0.11	170.91	108.22%	6.92	8.09	19.73	275.45	7.3	6.19	5.27	21.45%	8.93	141.53	0.62	55.5	13.28	0.59	1.45%	5.12	12.49%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	800	-7.92	-0.98%	0	0.13	154.96	111.88%	6.96	4.37	12.22	206.41	8.9	8.88	2.74	14.14%	7.87	209.38	-	71.28	10.21	0.36	1.03%	2.76	7.74%
LLBS	884	+18.01	+2.08%	0	0.13	192.91	115.22%	6.79	17.29	6.03	161.78	7.58	7.77	9.2	12.59%	6.74	56.39	3.91	156.72	9.23	1.16	0.4%	9.57	3.33%
MATRI	808	+5.94	+0.74%	0.01	0.1	132.3	105.65%	14.4	15.11	9.04	164.04	7.86	5.11	7.18	9.55%	9.59	63	0.23	99.78	8.04	0.73	0.44%	9.15	5.47%
MERO	663	-9	-1.34%	0.01	0.11	151.87	103.74%	7.11	13.33	15.83	232.58	8.53	7.12	10.29	18.84%	6.56	56.04	5.65	46.16	10.26	1.16	1.39%	8.95	10.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,195.2	-6.2	-0.47%	0.01	0.122	202.45	130.92%	7.54	31.26	34.68	386.55	7.67	7.49	16.16	11.64%	8.51	55.79	1.017	46.53	12.93	1.96	2.19%	16.31	18.2%
MED	930	-7.36	-0.65%	0	0.13	174.46	111.22%	7.1	30.48	34.99	378.89	7.92	7.66	15.68	9.96%	7.8	45.99	0.55	30.75	9.97	2.07	2.38%	14.54	18.6%
MAX	5,438	23.87	2.19%	0.03	0.15	484.74	379.35%	14.4	82.49	91.55	999.25	8.9	9.37	36.69	23.93%	17.78	209.38	5.65	156.72	47.77	3.72	4.02%	38.32	41.45%
MIN	663	-40.97	-3.55%	0	0.06	131.53	25.3%	2.27	4.37	6.03	161.78	1.37	4.79	2.74	2.32%	3.55	19.06	0.06	18.6	6.63	0.36	0.4%	2.76	3.33%