NMB Microfinance Bittiya Sanstha Ltd.
NPR 575.10
09:14 AM NPT · Sep 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
584.00
High
584.90
Low
573.10
Prev Close
574.00
Volume
935
Turnover
Rs 538,242.3
Txns
0
Valuation · Q4 FY25/26
EPS Ann.
20.43
EPS TTM
20.43
BVPS
150.76
P/E Ann.
28.15
P/E TTM
28.15
Graham #
263.25
Capital
Mkt Cap
4.15 Arab
Total
72.14 Lakh
Public
21.64 Lakh
Promoter
50.5 Lakh
Technical Analysis
Indicator Signals
MACD
SellRSI
NeutralSuperTrend
Strong SellTrend Analysis
Direction
UptrendStrength
Very StrongMomentum
RSI (14)
40.79
ADX
52.14
Overall Score
Technical Score
Moving Averages
SMA 20
590.95
SMA 50
606.66
Bands & Channels
BB Width %
6.87%
Volume & Flow
OBV
719,007
Flow Analysis
[ Live 2026-09-11 ]
Total Buy
4,141
Shares Bought
Total Sell
4,141
Shares Sold
Net Flow
0
Net Accumulation
Active Brokers
29
Participating
ACCUM/DIST
Accumulation 57%
Distribution 43%
Accumulators
2Quantity
1,680
Amount
965,420
Avg Rate
574.65
Rank
#34
Brokers
Distributors
2Quantity
1,280
Amount
735,994
Avg Rate
575.00
Rank
#43
Brokers
Net Flow Impact:
+400unitsNet Flow by Timeframe
NMBMF — Broker Breakdown (7D)
[ Vol: 7,745 ]
Buy Side
Total: 3,776Broker
QTY
AVG
NET
%
Sell Side
Total: 3,969Broker
QTY
AVG
NET
%
Financial Fundamentals
Sector Peers — Microfinance (30)
Peer Comparison
Microfinance SECTOR — NEPAL
2025/2026 Q4
NPR/Millions
Statement
Highlight
| TICKER | Market | Key Ratios | ||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price | Chg | Chg% | Mkt Cap (M) | Asset Turnover | Book Value Per Share | C/D Ratio% | Debt to Equity | EPS (Annualized) | EPS (TTM) | Graham's Number | Interest Rate Spread | Net Interest Margin | Net Profit Margin | NPL% | P/B | P/E (Annualized) | PEG | P/E (TTM) | P/S | ROA (Annualized) | ROA (TTM)% | ROE (Annualized) | ROE (TTM)% | |
ACLBSL | 880 | +1.93 | +0.22% | 0 | 0.14 | 180.9 | 188.13% | 7.96 | 27.79 | 27.79 | 336.32 | 9.04 | 8.24 | 12.44 | 6.01% | 5.15 | 33.54 | 4.07 | 32.78 | 4.17 | 1.68 | 1.68% | 16.48 | 16.48% |
ADLB | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
AKBSL | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ALBSL | 1,156 | +47.23 | +4.26% | 0.01 | 0.13 | 174.67 | 114% | 7.78 | 32.63 | 32.63 | 358.1 | 8.56 | 7.25 | 17.03 | 8.57% | 6.01 | 32.18 | 2.31 | 33.07 | 5.48 | 2.23 | 2.23% | 19.62 | 19.62% |
ANLB | 4,930 | +90.97 | +1.88% | 0 | 0.11 | 362.38 | - | 5.73 | 69.71 | 69.71 | 753.91 | - | 7.65 | 26.79 | 10.78% | 19.87 | 103.29 | 3.33 | 73.73 | 27.67 | 3.07 | 3.07% | 19.94 | 19.94% |
AVYAN | 1,091 | +99.99 | +10.09% | 0 | 0.14 | 158.75 | 111.65% | 8.35 | 57.04 | 57.04 | 451.38 | 8.37 | 8.5 | 27.5 | 7.41% | 6.56 | 18.27 | 0.16 | 18.23 | 5.02 | 3.86 | 3.86% | 39.92 | 39.92% |
BPW | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
CBBL | 942.1 | +0.09 | +0.01% | 0.03 | 0.12 | 251.06 | 95.51% | 5.35 | 35.91 | 35.91 | 450.39 | 6.23 | 5.32 | 19.33 | 2.3% | 3.67 | 25.68 | - | 26.16 | 4.96 | 2.37 | 2.37% | 14.96 | 14.96% |
CYCL | 1,513 | -6.99 | -0.46% | 0 | 0.12 | 357.75 | 112.53% | 6.62 | 110.66 | 110.66 | 943.79 | 7.91 | 6.61 | 33.9 | 14.04% | 3.71 | 12 | 0.09 | 13.25 | 4.07 | 4.02 | 4.02% | 34.85 | 34.85% |
DDBL | 837.6 | -1.43 | -0.17% | 0.02 | 0.13 | 226.87 | 112.67% | 5.38 | 48.15 | 48.15 | 495.77 | 7.76 | 7.42 | 26.83 | 6.49% | 3.75 | 17.65 | 0.58 | 17.44 | 4.74 | 3.48 | 3.48% | 23.1 | 23.1% |
DLBS | 983 | +27.98 | +2.93% | 0 | 0.12 | 150.57 | 45.18% | 11.27 | 15.72 | 15.72 | 230.77 | 7.98 | 6.58 | 7.08 | 20.52% | 8.03 | 76.91 | 1.74 | 65.33 | 5.45 | 0.82 | 0.82% | 9.82 | 9.82% |
FMDBL | 727.1 | +4.41 | +0.61% | 0.01 | 0.06 | 137.26 | 123.87% | 2.09 | 14.18 | 14.18 | 209.27 | 1.36 | 4.04 | 47.12 | 2.88% | 6.27 | 60.65 | 1.19 | 53.46 | 28.58 | 3.06 | 3.06% | 10.56 | 10.56% |
FOWAD | 878.9 | +0.97 | +0.11% | 0.01 | 0.13 | 278.57 | 115.92% | 6.23 | 52.14 | 52.14 | 571.67 | 7.56 | 6.59 | 21.07 | 16.17% | 3.51 | 18.78 | 0.02 | 17.61 | 3.96 | 2.69 | 2.69% | 19.74 | 19.74% |
GBLBS | 635 | +13 | +2.09% | 0.01 | 0.14 | 295.18 | 25.3% | 4.49 | 40 | 36.73 | 493.91 | 8.13 | 9.36 | 18.98 | 4.94% | 3.55 | 19.63 | 1 | 21.24 | 6.63 | 2.61 | 2.4% | 14 | 12.85% |
GGBSL | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
GILB | 1,090.5 | -12.46 | -1.13% | 0.01 | 0.14 | 242.58 | 270.5% | 6.57 | 61.87 | 61.87 | 581.11 | 8.81 | 8.56 | 25.61 | 8.7% | 4.37 | 17.13 | 0.28 | 17.62 | 4.39 | 3.6 | 3.6% | 27.61 | 27.61% |
GLBSL | 1,629 | +28.02 | +1.75% | 0 | 0.14 | 169.51 | 352.61% | 9.34 | 31.11 | 31.11 | 344.46 | 8.49 | 8.14 | 13.37 | 8.09% | 10.41 | 56.7 | - | 55.61 | 7.58 | 1.87 | 1.87% | 20.28 | 20.28% |
GMFBS | 1,154 | -10.01 | -0.86% | 0 | 0.12 | 158 | 105.93% | 9.42 | 28.68 | 28.68 | 319.31 | 8.51 | 7.16 | 13.91 | 13.79% | 7.52 | 41.42 | 17.72 | 40.41 | 5.77 | 1.68 | 1.68% | 17.09 | 17.09% |
HLBSL | 859 | 0 | 0% | 0 | 0.12 | 185.53 | 93.98% | 8.71 | 31.26 | 31.26 | 361.24 | 8.3 | 7.31 | 14.98 | 9.04% | 4.69 | 27.81 | 3.12 | 27.83 | 4.17 | 1.8 | 1.8% | 18.06 | 18.06% |
ILBS | 870 | +13.03 | +1.52% | 0 | 0.13 | 161.73 | 120.99% | 6.56 | 36.66 | 36.66 | 365.24 | 8.82 | 8.07 | 22.62 | 12.92% | 5.34 | 23.57 | 0.25 | 23.43 | 5.33 | 2.89 | 2.89% | 23.03 | 23.03% |
JALPA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
JBLB | 1,255.8 | +5.75 | +0.46% | 0.02 | 0.13 | 279.95 | 125.1% | 6 | 61.8 | 61.8 | 623.92 | 7.19 | 7.21 | 25.61 | 5.33% | 4.47 | 20.23 | 0.72 | 20.33 | 5.18 | 3.34 | 3.34% | 24.42 | 24.42% |
JSLBB | 959 | 0 | 0% | 0 | 0.12 | 175.1 | 110.76% | 7.07 | 10.7 | 10.7 | 205.32 | 5.31 | 6.51 | 6.47 | 17.14% | 5.71 | 93.36 | 3.72 | 90.37 | 6.04 | 0.75 | 0.75% | 6.42 | 6.42% |
KLBS | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
KLBSL | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
KMCDB | 807 | +7.52 | +0.94% | 0 | 0.13 | 178.73 | 114.65% | 6.22 | 27.4 | 27.4 | 331.94 | 8.66 | 8.3 | 16.52 | 9.78% | 4.32 | 28.2 | 8.41 | 28.25 | 4.66 | 2.21 | 2.21% | 15.73 | 15.73% |
LLBS | 880 | -4.51 | -0.51% | 0 | 0.13 | 204.16 | 194.11% | 7.17 | 24.2 | 24.2 | 333.41 | 9.54 | 7.1 | 12.32 | 11.93% | 4.51 | 38.01 | 0.08 | 36.24 | 4.68 | 1.59 | 1.59% | 13.24 | 13.24% |
MATRI | 725 | +10.01 | +1.4% | 0 | 0.12 | 145.42 | 114.29% | 12.35 | 45.13 | 45.13 | 384.27 | 7.95 | 6.32 | 18.68 | 26.61% | 5.77 | 18.59 | 0.03 | 17.46 | 3.47 | 2.3 | 2.3% | 27.46 | 27.46% |
MERO | 618 | +27.8 | +4.71% | 0.01 | 0.11 | 149.87 | 87.82% | 8.3 | 8.47 | 8.47 | 169 | 8.37 | 5.92 | 6.22 | 17.32% | 4.47 | 79.1 | - | 75.09 | 4.92 | 0.69 | 0.69% | 5.63 | 5.63% |
MKLB | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| AVG | 1,155.5 | 15.6 | 1.36% | 0.01 | 0.124 | 210.21 | 130.26% | 7.23 | 39.6 | 39.45 | 423.39 | 7.75 | 7.19 | 19.74 | 10.94% | 5.985 | 39.21 | 2.569 | 36.588 | 7.133 | 2.39 | 2.38% | 19.18 | 19.13% |
| MED | 911.05 | 5.08 | 0.54% | 0 | 0.13 | 179.82 | 114% | 6.85 | 34.27 | 34.27 | 363.24 | 8.3 | 7.23 | 18.83 | 9.41% | 4.92 | 28.01 | 1 | 28.04 | 4.99 | 2.34 | 2.34% | 18.84 | 18.84% |
| MAX | 4,930 | 99.99 | 10.09% | 0.03 | 0.14 | 362.38 | 352.61% | 12.35 | 110.66 | 110.66 | 943.79 | 9.54 | 9.36 | 47.12 | 26.61% | 19.87 | 103.29 | 17.72 | 90.37 | 28.58 | 4.02 | 4.02% | 39.92 | 39.92% |
| MIN | 618 | -12.46 | -1.13% | 0 | 0.06 | 137.26 | 25.3% | 2.09 | 8.47 | 8.47 | 169 | 1.36 | 4.04 | 6.22 | 2.3% | 3.51 | 12 | 0.02 | 13.25 | 3.47 | 0.69 | 0.69% | 5.63 | 5.63% |