National Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 1,115.00

NPR 00.00%

09:12 AM NPT · Jun 26, 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

1,115.00

High

1,125.00

Low

1,106.00

Prev Close

1,115.00

Volume

3,526

Turnover

Rs 3,926,092.2

Txns

Valuation · Q3 FY25/26

EPS Ann.

51.59

EPS TTM

46.02

BVPS

259.51

P/E Ann.

21.61

P/E TTM

24.23

Graham #

548.85

Capital

Mkt Cap

14.85 Arab

Total

1.33 Crore

Public

39.95 Lakh

Promoter

93.21 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Weak

Momentum

RSI (14)

38.86

ADX

14.4

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1130.1

SMA 50

1124.13

Bands & Channels

BB Width %

3.63%

Volume & Flow

OBV

310,458

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

22,686

Shares Bought

Total Sell

22,686

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 42%

Distribution 58%

Accumulators

Quantity

10,271

Amount

11,501,282

Avg Rate

1119.78

Rank

Brokers

#44#59#77#48

Distributors

Quantity

14,228

Amount

15,856,487

Avg Rate

1114.46

Rank

Brokers

#8#57

Net Flow Impact:

-3,957units

(Rs. -4,355,205)

Net Flow by Timeframe

NMFBS — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 37,834 ]

Buy Side

Total: 16,910

Broker

QTY

AVG

NET

4,013

1112.10

+3,924

17.7%

2,944

1126.36

+2,892

13.0%

2,025

1125.96

+2,025

8.9%

1,289

1118.99

+1,287

5.7%

1,073

1109.27

+804

4.7%

1,000

1115.77

+1,000

4.4%

815

1113.64

+815

3.6%

637

1111.08

+637

2.8%

519

1117.33

+503

2.3%

510

1138.64

+471

2.3%

490

1129.17

+454

2.2%

453

1109.39

+325

2.0%

400

1111.50

+344

1.8%

374

1113.09

+153

1.6%

368

1126.60

+368

1.6%

Sell Side

Total: 20,924

Broker

QTY

AVG

NET

7,363

1106.62

-6,345

32.5%

6,865

1122.86

-6,864

30.3%

1,998

1128.64

-1,844

8.8%

943

1126.31

-388

4.2%

908

1114.73

-358

4.0%

754

1119.42

-554

3.3%

658

1128.72

-458

2.9%

292

1127.11

-122

1.3%

247

1125.59

-247

1.1%

247

1120.34

-185

1.1%

203

1124.95

-203

0.9%

156

1106.20

-156

0.7%

101

1115.13

-81

0.5%

100

1125.00

-100

0.4%

1109.74

-89

0.4%

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	939	-16.04	-1.68%	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	1,070	-14.97	-1.38%	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	5,894	-5.9	-0.1%	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	1,060	+0.11	+0.01%	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	910.7	-0.27	-0.03%	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	1,432.9	-29.69	-2.03%	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	830	-3.42	-0.41%	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	1,235	-42.15	-3.3%	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	770	-2.01	-0.26%	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	990	-5.98	-0.6%	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	767.6	+0.61	+0.08%	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	1,102	+0.99	+0.09%	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	1,800	-35.05	-1.91%	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	1,226.2	-16.78	-1.35%	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	875	0	0%	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	890.1	-17.89	-1.97%	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	1,261	+4.02	+0.32%	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	1,031	+13.03	+1.28%	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	821	-98.99	-10.76%	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	923	0	0%	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	850	-9.02	-1.05%	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	710.9	-1.07	-0.15%	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	1,244.97	-12.75	-1.15%	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	964.5	-4.66	-0.33%	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	5,894	13.03	1.28%	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	710.9	-98.99	-10.76%	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%