National Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 1,104.00

NPR 00.00%

09:09 AM NPT · Aug 11, 2026

Est. 2071-03-18 B.S. (NRB license obtained on 2071-02-28; joint operation with Summit Laghubitta from 2080-03-30) · Nilkantha-3, Dhadingbesi, Dhading, Nepal

NMFBS is a national-level microfinance institution in Nepal, licensed as a Class-“D” financial institution under Nepal Rastra Bank (NRB).It began operation on 2 July 2014 after obtaining its NRB license on 11 June 2014.NMFBS aims to provide financial services especially microfinance services to underserved and rural populations, contributing to financial inclusion, livelihood improvement, and rural development.Over time, NMFBS has expanded its scope by absorbing or merging with other microfinance institutions. Notably, in 2023 it merged with Summit Laghubitta Bittiya Sanstha Limited (SMFDB), and from 30 Ashad 2080 B.S., the combined operations are carried out under the name National Laghubitta Bittiya Sanstha Limited. This consolidation has increased its capital base and operational reach. As of the latest publicly available data, its paid-up capital is around NPR 1.33 billion. NMFBS’s services include micro-loans, savings/deposit schemes, and other microfinance products aimed at low-income households, small businesses, and underserved communities. Given its national status and license, NMFBS has a mandate to operate across multiple regions of Nepal, offering financial inclusion beyond urban centers. Because of its role in microfinance and financial inclusion, NMFBS plays a part in supporting rural livelihoods, small-scale entrepreneurship, and community development by offering credit, savings, and financial services to those who might not have easy access to traditional banks.

nationalmicrofinance.com.np/

Trading

Open

1,127.90

High

1,127.90

Low

1,100.00

Prev Close

1,104.00

Volume

1,893

Turnover

Rs 2,089,730.3

Txns

Valuation · Q3 FY25/26

EPS Ann.

51.59

EPS TTM

46.02

BVPS

259.51

P/E Ann.

21.40

P/E TTM

23.99

Graham #

548.85

Capital

Mkt Cap

14.7 Arab

Total

1.33 Crore

Public

39.95 Lakh

Promoter

93.21 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

18.45

ADX

31.77

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1117.48

SMA 50

1120.24

Bands & Channels

BB Width %

4.24%

Volume & Flow

OBV

287,484

Flow Analysis

[ Live 2026-08-11 ]

Total Buy

15,256

Shares Bought

Total Sell

15,256

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 43%

Distribution 57%

Accumulators

Quantity

7,214

Amount

7,966,132

Avg Rate

1104.26

Rank

#10

Brokers

#49#57#6#28

Distributors

Quantity

9,458

Amount

10,446,220

Avg Rate

1104.49

Rank

Brokers

#17#82

Net Flow Impact:

-2,244units

(Rs. -2,480,088)

Net Flow by Timeframe

NMFBS — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 25,937 ]

Buy Side

Total: 13,162

Broker

QTY

AVG

NET

2,992

1105.09

+2,690

19.6%

1,912

1104.13

+1,822

12.5%

1,307

1105.08

+453

8.6%

1,200

1104.90

+1,200

7.9%

1,110

1101.57

+1,083

7.3%

945

1104.95

+945

6.2%

690

1104.58

+690

4.5%

600

1101.97

+339

3.9%

531

1102.89

+531

3.5%

493

1103.00

+473

3.2%

310

1105.19

+226

2.0%

300

1102.70

+300

2.0%

272

1105.15

+168

1.8%

267

1103.23

+245

1.8%

233

1104.42

+114

1.5%

Sell Side

Total: 12,775

Broker

QTY

AVG

NET

7,458

1104.07

-7,458

48.9%

2,000

1106.05

-2,000

13.1%

1,023

1106.42

-973

6.7%

584

1103.00

-584

3.8%

553

1104.02

-148

3.6%

282

1102.91

-162

1.9%

148

1105.61

-148

1.0%

130

1101.60

-100

0.8%

102

1105.27

-102

0.7%

100

1100.50

-100

0.7%

1100.04

-92

0.6%

1092.50

-42

0.5%

1102.50

-75

0.5%

1107.62

-55

0.5%

1106.33

-11

0.5%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Capital & Liabilities
Paid Up Capital	1,521,363	1,331,609	1,165,522	0	+14.25%
Reserves and Surplus	2,426,669	1,742,430	1,670,123	0	+39.27%
Debentures and Bonds	0.00	0.00	0.00	0	-
Borrowings	18,731,984	17,495,124	12,295,588	0	+7.07%
Deposits	7,348,794	6,304,682	5,409,589	0	+16.56%
Income Tax Liabilities	27,387	25,311	0	0	+8.20%
Other Liabilities	1,530,918	510,051	754,451	0	+200.15%
Total Capital & Liabilities	31,587,115	27,409,207	21,295,272	0	+15.24%
Assets
Cash and Bank Balance	4,185,577	3,713,910	1,333,564	0	+12.70%
Money at Call & Short Notice	0.00	0.00	0.00	0	-
Investments	3,025	3,389	2,510	0	-10.74%
Loan and Advances	26,887,698	23,287,930	19,487,462	0	+15.46%
Fixed Assets	284,213	297,708	287,311	0	-4.53%
Non Banking Assets	0.00	0.00	0.00	0	-
Other Assets	226,602	106,270	184,424	0	+113.23%
Total Assets	31,587,115	27,409,207	21,295,272	0	+15.24%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q3

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	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	927.9	+12.9	+1.41%	0	0.13	179.21	201.13%	8.36	34.02	34.53	373.14	7.8	15.46	6.87%	7.42	29.3	0.53	27.8	8.06	2.08	2.11%	20.84	21.15%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,113.9	+23.87	+2.19%	0.01	0.13	163.92	113.23%	8.15	29.28	39.86	383.42	7.29	15.87	9.88%	9.34	39.2	0.26	27.75	11.07	2.05	2.79%	19.25	26.22%
ANLB	5,438	-28.97	-0.53%	0.01	0.11	484.74	-	4.49	82.49	91.55	999.25	8.2	29.25	11.17%	17.78	78.37	0.57	64.88	40.76	3.21	3.57%	19.63	21.79%
AVYAN	1,043	-7.99	-0.76%	0	0.15	157.84	110.28%	8.3	52.53	56.82	449.21	8.45	25.67	5.14%	9.83	22.14	0.06	19.62	10.11	3.72	4.02%	38.32	41.45%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	930	0	0%	0.03	0.12	241.93	95.82%	5.53	33.41	34.99	436.42	6.65	18.45	2.32%	5.03	27.3	-	26.32	8.96	2.25	2.36%	14.47	15.16%
CYCL	1,265	-13.04	-1.02%	0	0.11	269.54	110.75%	9.28	26.74	43.18	511.73	6.33	8.72	19.7%	7.73	58.45	-	33.7	9.07	1	1.62%	9.93	16.05%
DDBL	840	0	0%	0.02	0.13	212.26	111.22%	5.63	44.13	45.7	467.18	8	25.18	7.52%	5.28	19.06	0.45	18.6	8.53	3.27	3.39%	22.63	23.43%
DLBS	1,160	-19.94	-1.69%	0	0.11	148.7	96.63%	11.63	18.29	21.19	266.26	6.77	8.34	23.62%	11.57	70.54	0.28	59.75	10.47	0.95	1.11%	11.75	13.61%
FMDBL	788	-29	-3.55%	0.01	0.06	131.53	119.28%	2.27	11.27	13	196.14	4.79	36.69	4.36%	8.37	73.25	1.15	60.68	47.77	2.33	2.69%	8.72	10.06%
FOWAD	930	-15.03	-1.59%	0.01	0.13	239.61	115.98%	7.08	18.15	16.05	294.16	7.11	7.55	18.91%	6.49	64.23	0.16	64.74	8.62	0.95	0.84%	7.36	6.5%
GBLBS	732.2	-6.8	-0.92%	0.01	0.14	295.18	25.3%	4.49	40	36.73	493.91	9.36	18.98	4.94%	3.55	19.63	1	21.24	6.63	2.61	2.4%	14	12.85%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,070.4	-17.63	-1.62%	0.01	0.14	214.72	277.7%	7.08	45.16	47.07	476.87	9.37	18.92	8.69%	7.1	25.33	0.63	24.01	8.52	2.73	2.85%	22.17	23.11%
GLBSL	1,770	-14.99	-0.84%	0	0.14	168.91	379.35%	9.58	40.62	39.89	389.36	8.17	17.9	3.41%	14.21	44.31	1.48	45.47	14.11	2.45	2.41%	27.36	26.86%
GMFBS	1,133	-40.97	-3.49%	0	0.13	169.51	105.16%	9.23	53.71	52.94	449.35	8.55	24.17	14.29%	10.85	25.69	0.15	24.52	11.04	3.16	3.12%	32.12	31.67%
HLBSL	884.9	+0.88	+0.1%	0	0.13	178.01	101.94%	8.47	31.68	34.99	374.36	8.47	15.5	10.04%	6.93	29.2	0.68	25.72	8.05	1.96	2.17%	19.36	21.37%
ILBS	878	+12.98	+1.5%	0	0.12	140.07	113.65%	7.83	20.31	33.95	327.1	6.89	13.96	23.93%	9.21	47.66	-	26.98	11.83	1.65	2.77%	14.61	24.44%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,255.2	+0.25	+0.02%	0.02	0.13	255.24	127.25%	6.32	47.73	57.77	575.99	7.55	20.19	4.8%	6.83	27.38	0.5	22.45	9.83	2.65	3.22%	20.73	25.09%
JSLBB	980	0	0%	0	0.11	170.91	108.22%	6.92	8.09	19.73	275.45	6.19	5.27	21.45%	8.93	141.53	0.62	55.5	13.28	0.59	1.45%	5.12	12.49%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	800	-7.92	-0.98%	0	0.13	154.96	111.88%	6.96	4.37	12.22	206.41	8.88	2.74	14.14%	7.87	209.38	-	71.28	10.21	0.36	1.03%	2.76	7.74%
LLBS	884	+18.01	+2.08%	0	0.13	192.91	115.22%	6.79	17.29	6.03	161.78	7.77	9.2	12.59%	6.74	56.39	3.91	156.72	9.23	1.16	0.4%	9.57	3.33%
MATRI	808	+5.94	+0.74%	0.01	0.1	132.3	105.65%	14.4	15.11	9.04	164.04	5.11	7.18	9.55%	9.59	63	0.23	99.78	8.04	0.73	0.44%	9.15	5.47%
MERO	663	-9	-1.34%	0.01	0.11	151.87	103.74%	7.11	13.33	15.83	232.58	7.12	10.29	18.84%	6.56	56.04	5.65	46.16	10.26	1.16	1.39%	8.95	10.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,195.2	-6.2	-0.47%	0.01	0.122	202.45	130.92%	7.54	31.26	34.68	386.55	7.49	16.16	11.64%	8.51	55.79	1.017	46.53	12.93	1.96	2.19%	16.31	18.2%
MED	930	-7.36	-0.65%	0	0.13	174.46	111.22%	7.1	30.48	34.99	378.89	7.66	15.68	9.96%	7.8	45.99	0.55	30.75	9.97	2.07	2.38%	14.54	18.6%
MAX	5,438	23.87	2.19%	0.03	0.15	484.74	379.35%	14.4	82.49	91.55	999.25	9.37	36.69	23.93%	17.78	209.38	5.65	156.72	47.77	3.72	4.02%	38.32	41.45%
MIN	663	-40.97	-3.55%	0	0.06	131.53	25.3%	2.27	4.37	6.03	161.78	4.79	2.74	2.32%	3.55	19.06	0.06	18.6	6.63	0.36	0.4%	2.76	3.33%