NMB Microfinance Bittiya Sanstha Ltd.

MicrofinanceMid Cap

NPR 601.20

NPR -1.3-0.22%

09:14 AM NPT · Aug 11, 2026

Est. 2069 B.S. (licensed by Nepal Rastra Bank as a National-level D-Class microfinance institution) · Pokhara Metropolitan City-26, Kaski, Nepal · CEO: Anand Pandey

NMB Microfinance (NMBMF) is a national-level “D” class microfinance institution in Nepal, licensed by Nepal Rastra Bank (NRB).It is a subsidiary of NMB Bank Limited. Established in 2069 B.S., NMBMF was created with the core mission of promoting financial inclusion especially by reaching underserved, low-income, rural, and marginalized communities across Nepal. Over time, the institution has grown significantly: as of recent reports, NMBMF operates through 7 regional offices, 148 branch offices, and 5 sub-branch offices, serving clients across 67 districts of Nepal. NMBMF provides a range of microfinance services tailored to the needs of rural households, small businesses, informal-sector workers, and low-income families. Their services include micro-loans, savings and deposit schemes, small-business and livelihood financing, financial products for women entrepreneurs, agricultural and rural livelihood loans, and group-based microfinance services. Beyond just credit and savings, NMBMF emphasises financial inclusion, social upliftment, and community development particularly targeting economically marginalized groups, promoting entrepreneurship, and improving livelihoods. Their outreach has reportedly covered over 116,000 deprived households, with an emphasis on reaching remote and underbanked areas. Because NMBMF is backed by NMB Bank, it blends the institutional strength and governance structure of a mainstream bank with the grassroots reach of a microfinance institution a model aimed at bridging the gap between formal banking and underserved communities.

Trading

Open

602.50

High

612.90

Low

601.10

Prev Close

602.50

Volume

565

Turnover

Rs 341,119.2

Txns

0

Valuation · Q3 FY25/26

EPS Ann.

16.08

EPS TTM

17.09

BVPS

142.44

P/E Ann.

37.39

P/E TTM

35.18

Graham #

227.01

Capital

Mkt Cap

4.34 Arab

Total

72.14 Lakh

Public

21.64 Lakh

Promoter

50.5 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

37.37

ADX

24.41

Overall Score

25
Below Line

Technical Score

Moving Averages

SMA 20

620.47

SMA 50

624.55

Bands & Channels

BB Width %

8.8%

Volume & Flow

OBV

729,341

Flow Analysis

[ Live 2026-08-11 ]

Total Buy

3,199

Shares Bought

Total Sell

3,199

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

33

Participating

ACCUM/DIST

Accumulation 35%

Distribution 65%

Accumulators

2

Quantity

900

Amount

543,090

Avg Rate

603.43

Rank

#47

Brokers

#40#13

Distributors

2

Quantity

1,665

Amount

1,004,562

Avg Rate

603.34

Rank

#43

Brokers

#94#57

Net Flow Impact:

-765units
(Rs. -461,472)

Net Flow by Timeframe

NMBMF — Broker Breakdown (7D)

15 Buyers12 Sellers

[ Vol: 5,353 ]

Buy Side

Total: 2,321

Broker

QTY

AVG

NET

%

40

500

605.00

+500

15.6%

13

400

601.48

+400

12.5%

16

281

602.85

+281

8.8%

63

264

601.44

+264

8.3%

42

150

605.00

+29

4.7%

28

110

605.64

+110

3.4%

46

100

600.30

+100

3.1%

3

96

601.20

+96

3.0%

25

90

600.40

+90

2.8%

34

80

615.43

+80

2.5%

17

60

601.00

+60

1.9%

48

50

605.20

+50

1.6%

49

50

603.44

+5

1.6%

59

50

614.72

+50

1.6%

43

40

602.70

+40

1.3%

Sell Side

Total: 3,032

Broker

QTY

AVG

NET

%

94

1,000

605.23

-1,000

31.3%

57

665

600.50

-505

20.8%

58

466

603.73

-366

14.6%

38

330

608.13

-30

10.3%

45

240

603.20

-50

7.5%

22

149

615.41

-149

4.7%

4

55

601.24

-35

1.7%

29

30

615.00

-30

0.9%

64

30

601.20

-30

0.9%

7

29

601.10

-29

0.9%

53

20

608.00

-20

0.6%

44

18

600.78

-18

0.6%

Financial Fundamentals

Financial MetricFY25/26 Q3FY24/25 Q3FY23/24 Q3FY22/23 Q3Growth %
Capital & Liabilities
Paid Up Capital721,449721,449721,44900.00%
Reserves and Surplus306,188229,334189,0120+33.51%
Debentures and Bonds0.000.000.000-
Borrowings5,545,7843,956,4622,973,5250+40.17%
Deposits1,941,7901,457,5891,344,6930+33.22%
Income Tax Liabilities0.00749.4510502.500-100.00%
Other Liabilities285,406208,647197,0570+36.79%
Total Capital & Liabilities8,800,6166,574,2305,436,2380+33.87%
Assets
Cash and Bank Balance625,586149,661168,9100+318.00%
Money at Call & Short Notice40,000000-
Investments1,19642,0002,0000-97.15%
Loan and Advances8,010,8646,267,6275,098,0450+27.81%
Fixed Assets77,41587,39690,3630-11.42%
Non Banking Assets0.000.000.000-
Other Assets45,55527,54676,9200+65.38%
Total Assets8,800,6166,574,2305,436,2380+33.87%

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

ACLBSL

927.9+12.9+1.41%00.13179.21201.13%8.3634.0234.53373.148.747.815.466.87%7.4229.30.5327.88.062.082.11%20.8421.15%

ADLB

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

AKBSL

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

ALBSL

1,113.9+23.87+2.19%0.010.13163.92113.23%8.1529.2839.86383.428.287.2915.879.88%9.3439.20.2627.7511.072.052.79%19.2526.22%

ANLB

5,438-28.97-0.53%0.010.11484.74-4.4982.4991.55999.25-8.229.2511.17%17.7878.370.5764.8840.763.213.57%19.6321.79%

AVYAN

1,043-7.99-0.76%00.15157.84110.28%8.352.5356.82449.218.888.4525.675.14%9.8322.140.0619.6210.113.724.02%38.3241.45%

BPW

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

CBBL

93000%0.030.12241.9395.82%5.5333.4134.99436.426.86.6518.452.32%5.0327.3-26.328.962.252.36%14.4715.16%

CYCL

1,265-13.04-1.02%00.11269.54110.75%9.2826.7443.18511.737.846.338.7219.7%7.7358.45-33.79.0711.62%9.9316.05%

DDBL

84000%0.020.13212.26111.22%5.6344.1345.7467.187.76825.187.52%5.2819.060.4518.68.533.273.39%22.6323.43%

DLBS

1,160-19.94-1.69%00.11148.796.63%11.6318.2921.19266.267.926.778.3423.62%11.5770.540.2859.7510.470.951.11%11.7513.61%

FMDBL

788-29-3.55%0.010.06131.53119.28%2.2711.2713196.141.374.7936.694.36%8.3773.251.1560.6847.772.332.69%8.7210.06%

FOWAD

930-15.03-1.59%0.010.13239.61115.98%7.0818.1516.05294.167.347.117.5518.91%6.4964.230.1664.748.620.950.84%7.366.5%

GBLBS

732.2-6.8-0.92%0.010.14295.1825.3%4.494036.73493.918.139.3618.984.94%3.5519.63121.246.632.612.4%1412.85%

GGBSL

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

GILB

1,070.4-17.63-1.62%0.010.14214.72277.7%7.0845.1647.07476.878.249.3718.928.69%7.125.330.6324.018.522.732.85%22.1723.11%

GLBSL

1,770-14.99-0.84%00.14168.91379.35%9.5840.6239.89389.368.598.1717.93.41%14.2144.311.4845.4714.112.452.41%27.3626.86%

GMFBS

1,133-40.97-3.49%00.13169.51105.16%9.2353.7152.94449.357.568.5524.1714.29%10.8525.690.1524.5211.043.163.12%32.1231.67%

HLBSL

884.9+0.88+0.1%00.13178.01101.94%8.4731.6834.99374.368.768.4715.510.04%6.9329.20.6825.728.051.962.17%19.3621.37%

ILBS

878+12.98+1.5%00.12140.07113.65%7.8320.3133.95327.18.526.8913.9623.93%9.2147.66-26.9811.831.652.77%14.6124.44%

JALPA

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

JBLB

1,255.2+0.25+0.02%0.020.13255.24127.25%6.3247.7357.77575.996.227.5520.194.8%6.8327.380.522.459.832.653.22%20.7325.09%

JSLBB

98000%00.11170.91108.22%6.928.0919.73275.457.36.195.2721.45%8.93141.530.6255.513.280.591.45%5.1212.49%

KLBS

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

KLBSL

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

KMCDB

800-7.92-0.98%00.13154.96111.88%6.964.3712.22206.418.98.882.7414.14%7.87209.38-71.2810.210.361.03%2.767.74%

LLBS

884+18.01+2.08%00.13192.91115.22%6.7917.296.03161.787.587.779.212.59%6.7456.393.91156.729.231.160.4%9.573.33%

MATRI

808+5.94+0.74%0.010.1132.3105.65%14.415.119.04164.047.865.117.189.55%9.59630.2399.788.040.730.44%9.155.47%

MERO

663-9-1.34%0.010.11151.87103.74%7.1113.3315.83232.588.537.1210.2918.84%6.5656.045.6546.1610.261.161.39%8.9510.63%

MKLB

------------------------
AVG1,195.2-6.2-0.47%0.010.122202.45130.92%7.5431.2634.68386.557.677.4916.1611.64%8.5155.791.01746.5312.931.962.19%16.3118.2%
MED930-7.36-0.65%00.13174.46111.22%7.130.4834.99378.897.927.6615.689.96%7.845.990.5530.759.972.072.38%14.5418.6%
MAX5,43823.872.19%0.030.15484.74379.35%14.482.4991.55999.258.99.3736.6923.93%17.78209.385.65156.7247.773.724.02%38.3241.45%
MIN663-40.97-3.55%00.06131.5325.3%2.274.376.03161.781.374.792.742.32%3.5519.060.0618.66.630.360.4%2.763.33%

30

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum