NMB Microfinance Bittiya Sanstha Ltd.

MicrofinanceMid Cap

NPR 636.00

NPR -3-0.47%

09:13 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

643.70

Low

626.00

Prev Close

639.00

Volume

742

Turnover

Rs 471,743

Txns

17

Valuation · Q2 FY25/26

EPS Ann.

9.67

EPS TTM

12.05

BVPS

140.61

P/E Ann.

65.77

P/E TTM

52.78

Graham #

174.91

Capital

Mkt Cap

4.59 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)

37.02

ADX

20.06

Overall Score

41
Below Line

Technical Score

Moving Averages

SMA 20

649.38

SMA 50

671.03

Bands & Channels

BB Width %

6.82%

Volume & Flow

OBV

739,904

Flow Analysis

[ Live 2026-05-13 ]

Total Buy

9,821

Shares Bought

Total Sell

9,821

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

44

Participating

ACCUM/DIST

Accumulation 53%

Distribution 47%

Accumulators

3

Quantity

5,211

Amount

3,336,190

Avg Rate

640.22

Rank

#26

Brokers

#42#96#17

Distributors

2

Quantity

4,641

Amount

2,963,554

Avg Rate

638.56

Rank

#30

Brokers

#34#14

Net Flow Impact:

+570units
(Rs. 372,636)

Net Flow by Timeframe

NMBMF — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 16,506 ]

Buy Side

Total: 8,821

Broker

QTY

AVG

NET

%

42

2,251

642.03

+1,862

22.9%

96

1,900

634.00

+910

19.4%

17

1,060

647.54

+810

10.8%

33

700

636.50

+700

7.1%

56

536

641.94

+526

5.5%

62

525

642.38

+215

5.3%

18

400

634.00

+400

4.1%

41

280

646.31

+267

2.9%

57

261

636.70

+235

2.7%

52

200

641.00

+200

2.0%

49

165

645.98

+163

1.7%

19

160

639.14

+147

1.6%

35

160

637.88

+160

1.6%

48

113

640.00

+12

1.1%

46

110

640.00

+110

1.1%

Sell Side

Total: 7,685

Broker

QTY

AVG

NET

%

34

3,110

636.32

-3,070

31.7%

14

1,531

643.11

-1,526

15.6%

25

500

648.00

-480

5.1%

44

500

646.30

-500

5.1%

43

396

636.54

-396

4.0%

45

385

636.41

-275

3.9%

21

270

635.41

-220

2.8%

22

204

646.04

-114

2.1%

32

202

639.86

-202

2.1%

26

200

639.00

-200

2.0%

38

177

640.13

-167

1.8%

36

139

646.05

-57

1.4%

66

36

650.00

-36

0.4%

29

25

646.10

-25

0.3%

67

10

650.00

-10

0.1%

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

954+3.04+0.32%00.13169.98213.9%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

1,107.4-4.56-0.41%0.010.13158.086.57%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

6,050-15.16-0.25%0.010.12428.750%77.985.26906.910%-11.81%27.93%28.4578.310.3180.8773.8987.53.32%3.65%20.24%22.16%

AVYAN

1,105-23.01-2.04%00.03149.39109.7%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

91900%0.030.13233.6694.92%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

1,472+7.91+0.54%00.12268.72111.75%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

846.2-0.68-0.08%0.020.14221.13115.62%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

1,328-166.99-11.17%00.12179.1394.98%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

793-11.99-1.49%0.010.06128.31114.74%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

1,050.1-9.86-0.93%0.010.13234.69112.57%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

762.2-8.79-1.14%0.010.14278.0726.68%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

1,116.5-21.51-1.89%0.010.15197.29282.59%32.6734.47391.178.43%9.46%8.96%13.69%11.6735.23033.763219.32.02%2.14%16.8%17.73%

GLBSL

1,780-25.09-1.39%00.14159.33393.94%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

1,332.9+5.05+0.38%00.14185.26107.54%-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

890-14.01-1.55%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

935+1.96+0.21%00.13136.88119.88%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

1,300-4.96-0.38%0.020.13277.15124.79%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

1,100+14.97+1.38%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

884.8-4.89-0.55%00.14164.7112.75%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

960+2.11+0.22%00.12187.67107.03%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

910+9.46+1.05%0.010.1119.9102.58%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%0.010.12155.78110.81%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

------------------------
AVG1,286.87-12.23-0.88%0.010.12198.73121.2%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%
MED1,005.05-4.73-0.33%0.010.13175110.26%29.6433.79363.38.09%7.44%9.06%15.18%11.575370.38535.2632.4220.491.99%2.08%16.12%16.7%
MAX6,05014.971.38%0.030.15428.75393.94%77.985.26906.918.84%9.62%19.54%35.1%28.4598.1496395.25114.06106.643.36%4.16%47.92%43.25%
MIN715-166.99-11.17%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