NMB Microfinance Bittiya Sanstha Ltd.

MicrofinanceMid Cap

NPR 633.00

NPR -6-0.94%

06:42 AM NPT · May 13, 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

626.00

High

633.00

Low

626.00

Prev Close

639.00

Volume

21

Turnover

Rs 13,223

Txns

2

Valuation · Q2 FY25/26

EPS Ann.

9.67

EPS TTM

12.05

BVPS

140.61

P/E Ann.

65.46

P/E TTM

52.53

Graham #

174.91

Capital

Mkt Cap

4.57 Arab

Total

72.14 Lakh

Public

21.64 Lakh

Promoter

50.5 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

39.1

ADX

20.58

Overall Score

50
Below Line

Technical Score

Moving Averages

SMA 20

650.79

SMA 50

671.81

Bands & Channels

BB Width %

6.81%

Volume & Flow

OBV

740,531

Flow Analysis

[ Live 2026-05-12 ]

Total Buy

9,924

Shares Bought

Total Sell

9,924

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

44

Participating

ACCUM/DIST

Accumulation 55%

Distribution 45%

Accumulators

3

Quantity

5,037

Amount

3,225,558

Avg Rate

640.37

Rank

#31

Brokers

#42#17#96

Distributors

2

Quantity

4,120

Amount

2,632,510

Avg Rate

638.96

Rank

#36

Brokers

#34#14

Net Flow Impact:

+917units
(Rs. 593,048)

Net Flow by Timeframe

NMBMF — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 16,736 ]

Buy Side

Total: 8,963

Broker

QTY

AVG

NET

%

42

1,927

643.21

+1,612

19.4%

96

1,900

634.00

+910

19.1%

17

1,210

645.86

+960

12.2%

18

700

634.47

+700

7.0%

33

700

636.50

+700

7.0%

62

576

641.55

+266

5.8%

56

536

641.94

+526

5.4%

13

316

637.57

+316

3.2%

41

200

648.75

+187

2.0%

52

200

641.00

+200

2.0%

49

165

645.98

+165

1.7%

19

160

639.14

+147

1.6%

57

150

638.00

+124

1.5%

48

113

640.00

+13

1.1%

46

110

640.00

+110

1.1%

Sell Side

Total: 7,773

Broker

QTY

AVG

NET

%

34

3,100

636.35

-3,060

31.2%

14

1,020

646.87

-1,020

10.3%

4

565

634.66

-565

5.7%

25

500

648.00

-480

5.0%

44

500

646.30

-500

5.0%

45

458

636.72

-348

4.6%

43

396

636.54

-396

4.0%

21

270

635.41

-270

2.7%

22

204

646.04

-114

2.1%

26

200

639.00

-200

2.0%

32

200

640.00

-200

2.0%

38

145

639.50

-118

1.5%

36

139

646.05

-79

1.4%

40

40

635.35

-40

0.4%

66

36

650.00

-36

0.4%

Financial Fundamentals

Financial MetricFY25/26 Q2FY24/25 Q2FY23/24 Q2FY22/23 Q2Growth %
Capital & Liabilities
Paid Up Capital721,449,149721,449,149721,449,149655,863,0000.00%
Reserves and Surplus293,015,152258,372,123216,082,622374,777,000+13.41%
Debentures and Bonds0.000.000.000.00-
Borrowings5,468,710,3483,823,778,1932,536,167,0992,950,785,000+43.02%
Deposits1,775,777,4201,390,610,8881,411,093,9171,816,161,000+27.70%
Income Tax Liabilities6,422,649749,44610,502,4970+756.99%
Other Liabilities277,954,038198,708,271384,786,75591,001,000+39.88%
Total Capital & Liabilities8,543,328,7566,393,668,0705,280,082,0385,888,587,000+33.62%
Assets
Cash and Bank Balance816,669,131431,017,520184,743,62050,040,000+89.47%
Money at Call & Short Notice0.000.000.00328928000.00-
Investments42,000,00042,000,00042,000,0002,000,0000.00%
Loan and Advances7,542,355,9615,797,044,2834,733,326,8825,417,604,000+30.11%
Fixed Assets77,150,39594,210,09193,869,80754,455,000-18.11%
Non Banking Assets0.000.000.000.00-
Other Assets65,153,27029,396,176226,141,72935,560,000+121.64%
Total Assets8,543,328,7576,393,668,0705,280,082,0385,888,587,000+33.62%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKERMarket
Key Ratios
PriceChgChg%Mkt Cap (M)Asset TurnoverBVPSC/D Ratio%EPS (Annu.)EPS (TTM)Graham's No.Int. Rate Spread%NIM%NPL%NPM%P/BP/E (Annu.)PEGP/E (Latest)P/E (TTM)P/SROA (Annu.)%ROA (TTM)%ROE (Annu.)%ROE (TTM)%

ACLBSL

950-1.05-0.11%-0.13169.98213.9%32.5733.11355.858.27%7.44%5.2%14.84%11.329.470.3831.2330.7217.511.98%2.01%21%21.36%

ADLB

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

AKBSL

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

ALBSL

1,090-22.02-1.98%-0.13158.086.57%31.2938.77371.358.4%7.16%10.15%17.5%14.9537.780.0935.628.7326.452.24%2.79%21.34%26.44%

ANLB

5,500-565.28-9.32%-0.12428.750%77.985.26906.910%-11.81%27.93%28.4578.310.3180.8773.8987.53.32%3.65%20.24%22.16%

AVYAN

1,106.7-21.32-1.89%-0.03149.39109.7%61.8955.85433.278.34%8.86%4.15%29.02%12.6615.290.0115.5117.1917.750.9%0.81%47.92%43.25%

BPW

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

CBBL

924.9+5.88+0.64%-0.13233.6694.92%31.8535.31430.865.51%6.96%2.45%17.74%7.8928.9596328.8926.0520.542.22%2.46%14.32%15.87%

CYCL

1,480+15.96+1.09%-0.12268.72111.75%27.9941.89503.267.91%6.38%18.48%9.02%11.2453.96055.0936.8119.471.06%1.61%10.74%16.09%

DDBL

846-0.93-0.11%-0.14221.13115.62%47.4147.55486.47.83%8.32%8.43%24.37%7.4217.30.2717.5117.4616.873.36%3.37%23.26%23.33%

DLBS

1,315-180-12.04%-0.12179.1394.98%18.3819.05277.097.67%7.44%9.83%7.8%14.5270.730.1571.2768.7722.090.94%0.98%10.82%11.23%

FMDBL

789.1-15.94-1.98%-0.06128.31114.74%10.4711.14179.331.42%4.14%4.52%35.1%12.3975.932.1574.469.93106.642.12%2.27%8.24%8.78%

FOWAD

1,050-9.96-0.94%-0.13234.69112.57%31.9820.71330.77.31%7.3%8.92%13.3%9.1233.460.0232.8650.7517.81.7%1.1%13.14%8.51%

GBLBS

762-9.02-1.17%-0.14278.0726.68%43.7534.76466.358.84%9.62%4.76%20.85%5.5717.691.0617.2121.6614.762.94%2.34%15.96%12.68%

GGBSL

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

GILB

1,132-6.03-0.53%-0.15197.29282.59%32.6734.47391.178.43%9.46%8.96%13.69%11.6735.23033.763219.32.02%2.14%16.8%17.73%

GLBSL

1,770-35.02-1.94%-0.14159.33393.94%40.2238.34370.748.44%8.32%3.13%17.81%24.1547.840.941.57034.092.5%2.38%28.82%27.47%

GMFBS

1,314-13.94-1.05%-0.14185.26107.54%-4.7117.54270.398.32%8.86%14.37%-2.06%16.14-317.410-309.5583.1226.18-0.28%1.07%-2.96%11.05%

HLBSL

904-2.99-0.33%00.11167.3595.52%26.2432.38349.178.6%7.9%8.58%13.2%10.6834.050.5734.4927.9517.991.48%1.82%16.98%20.97%

ILBS

938+5.04+0.54%-0.13136.88119.88%24.0749.91392.068.31%7.38%17.85%15.51%14.5241.30.2439.0518.8325.632%4.16%18.84%39.06%

JALPA

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

JBLB

1,295-10.05-0.77%-0.13277.15124.79%50.6560.15612.445.85%7.32%5.98%19.57%9.5426.10.3925.9421.8420.442.56%3.05%20.08%23.85%

JSLBB

1,085-34.94-3.12%00.11170.87107.57%11.819.17271.487.6%6.12%9.15%7.55%13.5598.140.4295.2558.6329.660.86%1.4%7.44%12.11%

KLBS

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

KLBSL

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

KMCDB

884.9-4.8-0.54%-0.14164.7112.75%26.0927.74320.628.67%8.82%11.42%16.43%11.4836.221.3334.9232.8423.812.3%2.45%16.28%17.31%

LLBS

940.9-16.95-1.77%-0.12187.67107.03%15.318.11185.056.19%7.64%13.04%8.25%9.8860.550.6660.42114.0619.990.98%0.52%8.78%4.65%

MATRI

900-0.54-0.06%-0.1119.9102.58%11.259.36158.917.28%4.96%10.48%5.5%16.3587.110.685.78103.119.180.54%0.45%7%5.84%

MERO

715-2.08-0.29%-0.12155.78110.81%13.8816.56240.928.6%7.38%19.54%10.28%9.5353.463.451.5943.2421.991.24%1.48%9.08%10.84%

MKLB

------------------------
AVG1,258.75-42.09-1.71%00.12198.73121.2%30.1333.51377.477.17%7.51%9.6%15.6%12.86430.06644.36129.71244.43528.4381.77%2.01%16.1%18.21%
MED1,000-9.49-0.86%00.13175110.26%29.6433.79363.38.09%7.44%9.06%15.18%11.575370.38535.2632.4220.491.99%2.08%16.12%16.7%
MAX5,50015.961.09%00.15428.75393.94%77.985.26906.918.84%9.62%19.54%35.1%28.4598.1496395.25114.06106.643.36%4.16%47.92%43.25%
MIN715-565.28-12.04%00.03119.90%-4.718.11158.910%4.14%2.45%-2.06%5.57-317.410-309.55014.76-0.28%0.45%-2.96%4.65%

30

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum