NMB Microfinance Bittiya Sanstha Ltd.

MicrofinanceMid Cap

NPR 622.00

NPR -12-1.89%

08:49 AM NPT · Jun 26, 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

622.30

High

623.00

Low

622.00

Prev Close

634.00

Volume

1,722

Turnover

Rs 1,071,542

Txns

0

Valuation · Q3 FY25/26

EPS Ann.

16.08

EPS TTM

17.09

BVPS

142.44

P/E Ann.

38.68

P/E TTM

36.40

Graham #

227.01

Capital

Mkt Cap

4.49 Arab

Total

72.14 Lakh

Public

21.64 Lakh

Promoter

50.5 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

33.33

ADX

39.3

Overall Score

18
Below Line

Technical Score

Moving Averages

SMA 20

638.82

SMA 50

641.25

Bands & Channels

BB Width %

3.79%

Volume & Flow

OBV

733,497

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

4,157

Shares Bought

Total Sell

4,157

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

36

Participating

ACCUM/DIST

Accumulation 44%

Distribution 56%

Accumulators

2

Quantity

1,239

Amount

783,947

Avg Rate

632.73

Rank

#46

Brokers

#26#59

Distributors

2

Quantity

1,586

Amount

994,378

Avg Rate

626.97

Rank

#44

Brokers

#44#1

Net Flow Impact:

-347units
(Rs. -210,431)

Net Flow by Timeframe

NMBMF — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 7,726 ]

Buy Side

Total: 3,769

Broker

QTY

AVG

NET

%

26

639

630.59

+639

15.4%

59

600

635.00

+600

14.4%

49

360

624.39

+360

8.7%

14

300

624.80

+150

7.2%

35

245

622.18

+245

5.9%

41

210

624.19

+210

5.0%

10

200

622.00

+200

4.8%

22

200

622.10

+200

4.8%

46

200

622.10

+200

4.8%

48

200

622.60

+200

4.8%

56

200

623.00

+200

4.8%

38

140

644.00

+140

3.4%

28

100

625.00

+100

2.4%

16

98

630.49

+48

2.4%

13

77

622.92

+77

1.9%

Sell Side

Total: 3,957

Broker

QTY

AVG

NET

%

44

1,000

622.40

-1,000

24.1%

58

588

625.33

-476

14.1%

1

586

634.77

-586

14.1%

34

505

630.33

-485

12.2%

42

368

634.04

-238

8.8%

25

356

623.67

-356

8.6%

19

200

623.70

-200

4.8%

17

170

631.31

-170

4.1%

62

100

644.00

-100

2.4%

29

23

634.00

-23

0.6%

68

17

640.00

-17

0.4%

65

15

633.00

-15

0.4%

52

10

640.00

-10

0.2%

67

10

628.10

-10

0.2%

45

9

620.00

-9

0.2%

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

939-16.04-1.68%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

1,070-14.97-1.38%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

5,894-5.9-0.1%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

1,060+0.11+0.01%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

910.7-0.27-0.03%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

1,432.9-29.69-2.03%00.11269.54110.75%9.2826.7443.18511.737.846.338.7219.7%7.7358.45-33.79.0711.62%9.9316.05%

DDBL

830-3.42-0.41%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

1,235-42.15-3.3%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

770-2.01-0.26%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

990-5.98-0.6%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

767.6+0.61+0.08%0.010.14295.1825.3%4.494036.73493.918.139.3618.984.94%3.5519.63121.246.632.612.4%1412.85%

GGBSL

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

GILB

1,102+0.99+0.09%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

1,800-35.05-1.91%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

1,226.2-16.78-1.35%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

87500%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

890.1-17.89-1.97%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

1,261+4.02+0.32%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

1,031+13.03+1.28%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

821-98.99-10.76%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

92300%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

850-9.02-1.05%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

710.9-1.07-0.15%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

------------------------
AVG1,244.97-12.75-1.15%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%
MED964.5-4.66-0.33%00.13174.46111.22%7.130.4834.99378.897.927.6615.689.96%7.845.990.5530.759.972.072.38%14.5418.6%
MAX5,89413.031.28%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%
MIN710.9-98.99-10.76%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