NMB Microfinance Bittiya Sanstha Ltd.

MicrofinanceMid Cap

NPR 575.10

NPR +1.1+0.19%

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

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

40.79

ADX

52.14

Overall Score

23
Below Line

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

2

Quantity

1,680

Amount

965,420

Avg Rate

574.65

Rank

#34

Brokers

#94#40

Distributors

2

Quantity

1,280

Amount

735,994

Avg Rate

575.00

Rank

#43

Brokers

#38#74

Net Flow Impact:

+400units
(Rs. 229,426)

Net Flow by Timeframe

NMBMF — Broker Breakdown (7D)

14 Buyers15 Sellers

[ Vol: 7,745 ]

Buy Side

Total: 3,776

Broker

QTY

AVG

NET

%

94

1,180

574.00

+1,180

28.5%

58

560

577.77

+448

13.5%

40

500

576.20

+500

12.1%

35

306

573.14

+306

7.4%

84

250

588.88

+250

6.0%

5

200

581.39

+200

4.8%

37

200

577.50

+140

4.8%

62

150

575.00

+150

3.6%

17

145

573.58

+145

3.5%

32

120

575.17

+120

2.9%

42

100

578.00

+100

2.4%

45

35

575.71

+35

0.8%

29

20

579.00

+20

0.5%

19

10

583.00

+10

0.2%

Sell Side

Total: 3,969

Broker

QTY

AVG

NET

%

38

760

574.57

-760

18.4%

74

520

575.62

-510

12.6%

34

500

577.19

-350

12.1%

57

500

574.01

-470

12.1%

16

357

587.91

-242

8.6%

25

300

580.00

-300

7.2%

43

300

574.84

-300

7.2%

51

244

570.43

-244

5.9%

39

200

575.00

-180

4.8%

48

160

576.00

-120

3.9%

49

33

584.30

-33

0.8%

26

30

580.00

-30

0.7%

41

30

574.00

-30

0.7%

22

25

577.02

-25

0.6%

52

10

585.00

-10

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

880+1.93+0.22%00.14180.9188.13%7.9627.7927.79336.329.048.2412.446.01%5.1533.544.0732.784.171.681.68%16.4816.48%

ADLB

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

AKBSL

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

ALBSL

1,156+47.23+4.26%0.010.13174.67114%7.7832.6332.63358.18.567.2517.038.57%6.0132.182.3133.075.482.232.23%19.6219.62%

ANLB

4,930+90.97+1.88%00.11362.38-5.7369.7169.71753.91-7.6526.7910.78%19.87103.293.3373.7327.673.073.07%19.9419.94%

AVYAN

1,091+99.99+10.09%00.14158.75111.65%8.3557.0457.04451.388.378.527.57.41%6.5618.270.1618.235.023.863.86%39.9239.92%

BPW

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

CBBL

942.1+0.09+0.01%0.030.12251.0695.51%5.3535.9135.91450.396.235.3219.332.3%3.6725.68-26.164.962.372.37%14.9614.96%

CYCL

1,513-6.99-0.46%00.12357.75112.53%6.62110.66110.66943.797.916.6133.914.04%3.71120.0913.254.074.024.02%34.8534.85%

DDBL

837.6-1.43-0.17%0.020.13226.87112.67%5.3848.1548.15495.777.767.4226.836.49%3.7517.650.5817.444.743.483.48%23.123.1%

DLBS

983+27.98+2.93%00.12150.5745.18%11.2715.7215.72230.777.986.587.0820.52%8.0376.911.7465.335.450.820.82%9.829.82%

FMDBL

727.1+4.41+0.61%0.010.06137.26123.87%2.0914.1814.18209.271.364.0447.122.88%6.2760.651.1953.4628.583.063.06%10.5610.56%

FOWAD

878.9+0.97+0.11%0.010.13278.57115.92%6.2352.1452.14571.677.566.5921.0716.17%3.5118.780.0217.613.962.692.69%19.7419.74%

GBLBS

635+13+2.09%0.010.14295.1825.3%4.494036.73493.918.139.3618.984.94%3.5519.63121.246.632.612.4%1412.85%

GGBSL

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

GILB

1,090.5-12.46-1.13%0.010.14242.58270.5%6.5761.8761.87581.118.818.5625.618.7%4.3717.130.2817.624.393.63.6%27.6127.61%

GLBSL

1,629+28.02+1.75%00.14169.51352.61%9.3431.1131.11344.468.498.1413.378.09%10.4156.7-55.617.581.871.87%20.2820.28%

GMFBS

1,154-10.01-0.86%00.12158105.93%9.4228.6828.68319.318.517.1613.9113.79%7.5241.4217.7240.415.771.681.68%17.0917.09%

HLBSL

85900%00.12185.5393.98%8.7131.2631.26361.248.37.3114.989.04%4.6927.813.1227.834.171.81.8%18.0618.06%

ILBS

870+13.03+1.52%00.13161.73120.99%6.5636.6636.66365.248.828.0722.6212.92%5.3423.570.2523.435.332.892.89%23.0323.03%

JALPA

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

JBLB

1,255.8+5.75+0.46%0.020.13279.95125.1%661.861.8623.927.197.2125.615.33%4.4720.230.7220.335.183.343.34%24.4224.42%

JSLBB

95900%00.12175.1110.76%7.0710.710.7205.325.316.516.4717.14%5.7193.363.7290.376.040.750.75%6.426.42%

KLBS

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

KLBSL

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

KMCDB

807+7.52+0.94%00.13178.73114.65%6.2227.427.4331.948.668.316.529.78%4.3228.28.4128.254.662.212.21%15.7315.73%

LLBS

880-4.51-0.51%00.13204.16194.11%7.1724.224.2333.419.547.112.3211.93%4.5138.010.0836.244.681.591.59%13.2413.24%

MATRI

725+10.01+1.4%00.12145.42114.29%12.3545.1345.13384.277.956.3218.6826.61%5.7718.590.0317.463.472.32.3%27.4627.46%

MERO

618+27.8+4.71%0.010.11149.8787.82%8.38.478.471698.375.926.2217.32%4.4779.1-75.094.920.690.69%5.635.63%

MKLB

------------------------
AVG1,155.515.61.36%0.010.124210.21130.26%7.2339.639.45423.397.757.1919.7410.94%5.98539.212.56936.5887.1332.392.38%19.1819.13%
MED911.055.080.54%00.13179.82114%6.8534.2734.27363.248.37.2318.839.41%4.9228.01128.044.992.342.34%18.8418.84%
MAX4,93099.9910.09%0.030.14362.38352.61%12.35110.66110.66943.799.549.3647.1226.61%19.87103.2917.7290.3728.584.024.02%39.9239.92%
MIN618-12.46-1.13%00.06137.2625.3%2.098.478.471691.364.046.222.3%3.51120.0213.253.470.690.69%5.635.63%

30

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum