NMB Microfinance Bittiya Sanstha Ltd.

MicrofinanceMid Cap

NPR 612.80

NPR +9.8+1.63%

09:10 AM NPT · Sep 24, 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

597.00

High

612.80

Low

597.00

Prev Close

603.00

Volume

726

Turnover

Rs 436,857

Txns

9

Valuation · Q4 FY25/26

EPS Ann.

20.43

EPS TTM

20.43

BVPS

150.76

P/E Ann.

30.00

P/E TTM

30.00

Graham #

263.25

Capital

Mkt Cap

4.42 Arab

Total

72.14 Lakh

Public

21.64 Lakh

Promoter

50.5 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

60.73

ADX

46.27

Overall Score

83
Above Line

Technical Score

Moving Averages

SMA 20

592.95

SMA 50

605.25

Bands & Channels

BB Width %

8.62%

Volume & Flow

OBV

708,124

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

16,736

Shares Bought

Total Sell

16,736

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

42

Participating

ACCUM/DIST

Accumulation 61%

Distribution 39%

Accumulators

3

Quantity

10,965

Amount

6,629,427

Avg Rate

604.60

Rank

#18

Brokers

#36#21#58

Distributors

2

Quantity

7,113

Amount

4,291,833

Avg Rate

603.38

Rank

#22

Brokers

#17#33

Net Flow Impact:

+3,852units
(Rs. 2,337,594)

Net Flow by Timeframe

NMBMF — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 30,906 ]

Buy Side

Total: 15,620

Broker

QTY

AVG

NET

%

36

7,810

605.13

+7,800

46.7%

58

1,935

602.89

+892

11.6%

21

1,220

603.93

+1,082

7.3%

42

770

601.33

+770

4.6%

52

670

601.60

+670

4.0%

84

560

602.83

+560

3.4%

51

500

604.16

+500

3.0%

54

400

600.00

+400

2.4%

62

400

607.00

+400

2.4%

39

315

611.95

+295

1.9%

6

249

597.20

+202

1.5%

26

220

608.23

+220

1.3%

45

200

605.00

+200

1.2%

49

191

597.50

+100

1.1%

25

180

600.00

+160

1.1%

Sell Side

Total: 15,286

Broker

QTY

AVG

NET

%

17

4,563

602.90

-4,415

27.3%

33

2,550

604.24

-2,550

15.2%

34

2,026

603.44

-1,926

12.1%

48

1,490

609.10

-1,423

8.9%

85

1,000

599.18

-1,000

6.0%

74

980

600.00

-980

5.9%

38

555

608.14

-555

3.3%

32

510

601.75

-510

3.0%

4

500

601.10

-500

3.0%

14

400

602.00

-400

2.4%

16

202

606.48

-202

1.2%

22

200

606.15

-170

1.2%

46

200

603.04

-200

1.2%

1

80

605.38

-80

0.5%

13

30

608.97

-30

0.2%

Financial Fundamentals

Financial MetricFY25/26 Q4FY24/25 Q4FY23/24 Q4FY22/23 Q4Growth %
Capital & Liabilities
Paid Up Capital0721,449721,44900.00%
Reserves and Surplus0293,002214,9000+36.34%
Debentures and Bonds00.000.000-
Borrowings6,092,6284,334,4993,390,8280+40.56%
Deposits01,567,7271,333,4760+17.57%
Income Tax Liabilities0749.4510502.500-92.86%
Other Liabilities777,772240,489181,2530+223.41%
Total Capital & Liabilities07,157,9155,852,4090+22.31%
Assets
Cash and Bank Balance0252,307376,4400-32.98%
Money at Call & Short Notice00.000.000-
Investments02,00042,0000-95.24%
Loan and Advances06,752,3135,313,7180+27.07%
Fixed Assets084,40090,9360-7.19%
Non Banking Assets00.000.000-
Other Assets496,12466,89529,3160+641.65%
Total Assets10,059,1367,157,9155,852,4090+40.53%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q4

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

877-0.97-0.11%00.14180.9188.13%7.9627.7927.79336.329.048.2412.446.01%5.1533.543.9932.134.171.681.68%16.4816.48%

ADLB

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

AKBSL

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

ALBSL

1,174.4-19.58-1.64%0.010.13174.67114%7.7832.6332.63358.18.567.2517.038.57%6.0132.182.5536.475.482.232.23%19.6219.62%

ANLB

4,987+48.89+0.99%00.11362.38-5.7369.7169.71753.91-7.6526.7910.78%19.87103.293.2471.827.673.073.07%19.9419.94%

AVYAN

1,060+0.95+0.09%00.14158.75111.65%8.3557.0457.04451.388.378.527.57.41%6.5618.270.1618.655.023.863.86%39.9239.92%

BPW

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

CBBL

956.8+7.78+0.82%0.030.12251.0695.51%5.3535.9135.91450.396.235.3219.332.3%3.6725.68-26.734.962.372.37%14.9614.96%

CYCL

1,630+99.05+6.47%00.12357.75112.53%6.62110.66110.66943.797.916.6133.914.04%3.71120.0913.464.074.024.02%34.8534.85%

DDBL

861+4.97+0.58%0.020.13226.87112.67%5.3848.1548.15495.777.767.4226.836.49%3.7517.650.5917.944.743.483.48%23.123.1%

DLBS

1,205.1-136.73-10.19%00.12150.5745.18%11.2715.7215.72230.777.986.587.0820.52%8.0376.912.0175.325.450.820.82%9.829.82%

FMDBL

759.5+9.52+1.27%0.010.06137.26123.87%2.0914.1814.18209.271.364.0447.122.88%6.2760.651.253.6728.583.063.06%10.5610.56%

FOWAD

900+6.97+0.78%0.010.13278.57115.92%6.2352.1452.14571.677.566.5921.0716.17%3.5118.780.0217.513.962.692.69%19.7419.74%

GBLBS

692-0.48-0.07%0.010.14295.1825.3%4.494036.73493.918.139.3618.984.94%3.5519.63121.246.632.612.4%1412.85%

GGBSL

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

GILB

1,139.5+11.39+1.01%0.010.14242.58270.5%6.5761.8761.87581.118.818.5625.618.7%4.3717.130.318.44.393.63.6%27.6127.61%

GLBSL

1,700-9.92-0.58%00.14169.51352.61%9.3431.1131.11344.468.498.1413.378.09%10.4156.7-55.457.581.871.87%20.2820.28%

GMFBS

1,124+23.98+2.18%00.12158105.93%9.4228.6828.68319.318.517.1613.9113.79%7.5241.4217.0838.955.771.681.68%17.0917.09%

HLBSL

869+3.81+0.44%00.12185.5393.98%8.7131.2631.26361.248.37.3114.989.04%4.6927.813.1628.214.171.81.8%18.0618.06%

ILBS

950-18-1.86%00.13161.73120.99%6.5636.6636.66365.248.828.0722.6212.92%5.3423.570.3129.055.332.892.89%23.0323.03%

JALPA

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

JBLB

1,278.8+3.7+0.29%0.020.13279.95125.1%661.861.8623.927.197.2125.615.33%4.4720.230.7320.585.183.343.34%24.4224.42%

JSLBB

969-0.97-0.1%00.12175.1110.76%7.0710.710.7205.325.316.516.4717.14%5.7193.363.892.346.040.750.75%6.426.42%

KLBS

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

KLBSL

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

KMCDB

828+17.98+2.22%00.13178.73114.65%6.2227.427.4331.948.668.316.529.78%4.3228.29.3431.394.662.212.21%15.7315.73%

LLBS

860+5.98+0.7%00.13204.16194.11%7.1724.224.2333.419.547.112.3211.93%4.5138.010.0835.994.681.591.59%13.2413.24%

MATRI

727.1-21.79-2.91%00.12145.42114.29%12.3545.1345.13384.277.956.3218.6826.61%5.7718.590.0316.373.472.32.3%27.4627.46%

MERO

607+3.02+0.5%0.010.11149.8787.82%8.38.478.471698.375.926.2217.32%4.4779.1-72.264.920.690.69%5.635.63%

MKLB

------------------------
AVG1,188.871.80.04%0.010.124210.21130.26%7.2339.639.45423.397.757.1919.7410.94%5.98539.212.61537.457.1332.392.38%19.1819.13%
MED953.43.750.47%00.13179.82114%6.8534.2734.27363.248.37.2318.839.41%4.9228.01130.224.992.342.34%18.8418.84%
MAX4,98799.056.47%0.030.14362.38352.61%12.35110.66110.66943.799.549.3647.1226.61%19.87103.2917.0892.3428.584.024.02%39.9239.92%
MIN607-136.73-10.19%00.06137.2625.3%2.098.478.471691.364.046.222.3%3.51120.0213.463.470.690.69%5.635.63%

30

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum