Nerude Mirmire Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 519.00

NPR -0.9-0.17%

09:14 AM NPT · Aug 11, 2026

Est. Merger agreed on 2079-10-11 B.S., joint operation started on 2080-11-30 B.S. · Banepa-8, Kavrepalanchok, Nepal · CEO: Bhag Narayan Sahu

Nerude Mirmire Laghubitta Bittiya Sanstha Limited (commonly abbreviated NMLBBL) is a Nepalese microfinance institution operating nationwide.The institution was formed after the merger between Nerude Laghubitta Bittiya Sanstha Limited and Mirmire Laghubitta Bittiya Sanstha Limited two formerly separate microfinance providers. The merger was agreed upon on 11th Poush 2079 B.S., and after obtaining regulatory approval from Nepal Rastra Bank (NRB), the combined institution started its joint operations on 30th Falgun 2080 B.S. (≈ 2024 AD) under the new name. With this consolidation, NMLBBL now leverages the strengths and networks of multiple microfinance providers to serve clients across many districts. It offers a variety of financial services typical of microfinance institutions: deposit schemes (savings), micro-loans, remittance services, micro-insurance, and digital banking solutions, aiming to support underserved and rural communities.As of recent data, NMLBBL has a paid-up capital of roughly NPR 1,397,764,272.The institution reportedly covers 61 districts and operates with more than 1,100 staff across its branch network. According to latest publicly available financial reports, NMLBBL posted a net profit of around NPR 254.01 million in its 4th quarter (fiscal year 2081/82), reflecting its active operations and financial scale.

www.nerudemirmire.com.np/

Trading

Open

520.00

High

526.00

Low

515.20

Prev Close

519.90

Volume

5,696

Turnover

Rs 2,958,328.1

Txns

Valuation · Q3 FY25/26

EPS Ann.

4.18

EPS TTM

17.17

BVPS

180.10

P/E Ann.

124.16

P/E TTM

30.23

Graham #

130.15

Capital

Mkt Cap

7.25 Arab

Total

1.4 Crore

Public

67.81 Lakh

Promoter

71.97 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

25.29

ADX

32.57

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

530.8

SMA 50

550.64

Bands & Channels

BB Width %

10.24%

Volume & Flow

OBV

2,039,691

Flow Analysis

[ Live 2026-08-11 ]

Total Buy

36,367

Shares Bought

Total Sell

36,367

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 55%

Distribution 45%

Accumulators

Quantity

18,298

Amount

9,469,647

Avg Rate

517.52

Rank

Brokers

#85#45#60

Distributors

Quantity

14,847

Amount

7,640,826

Avg Rate

514.64

Rank

#10

Brokers

#82#35#38#58

Net Flow Impact:

+3,451units

(Rs. 1,828,821)

Net Flow by Timeframe

NMLBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 57,182 ]

Buy Side

Total: 30,518

Broker

QTY

AVG

NET

13,270

518.59

+13,270

36.5%

3,514

513.80

+2,179

9.7%

2,265

514.84

+205

6.2%

1,871

512.70

+1,311

5.1%

1,520

513.88

+1,500

4.2%

1,514

516.77

+1,514

4.2%

1,439

514.75

+1,123

4.0%

1,140

514.80

+240

3.1%

969

512.23

+939

2.7%

710

511.22

+318

1.9%

651

511.37

+361

1.8%

560

511.65

+450

1.5%

519

510.00

+519

1.4%

376

512.37

+376

1.0%

200

516.50

+37

0.6%

Sell Side

Total: 26,664

Broker

QTY

AVG

NET

7,247

515.17

-7,247

19.9%

3,101

513.72

-1,861

8.5%

2,345

518.03

-1,927

6.5%

2,154

510.49

-2,124

5.9%

1,750

513.09

-1,650

4.8%

1,600

515.44

-600

4.4%

1,410

516.46

-1,283

3.9%

1,108

516.00

-1,108

3.0%

1,092

513.46

-468

3.0%

1,007

512.38

-957

2.8%

941

517.76

-941

2.6%

910

513.83

-810

2.5%

720

512.12

-710

2.0%

679

516.41

-338

1.9%

600

527.00

-600

1.6%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Capital & Liabilities
Paid Up Capital	1,397,764	1,397,765	1,397,765	0	0.00%
Reserves and Surplus	1,119,639	1,295,156	1,098,321	0	-13.55%
Debentures and Bonds	0.00	0.00	0.00	0	-
Borrowings	10,267,752	11,150,529	11,055,365	0	-7.92%
Deposits	7,506,334	6,299,097	6,109,126	0	+19.17%
Income Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	723,198	1,719,468	2,309,651	0	-57.94%
Total Capital & Liabilities	21,014,686	21,862,015	21,970,228	0	-3.88%
Assets
Cash and Bank Balance	668,799	1,017,360	645,570	0	-34.26%
Money at Call & Short Notice	380,636	0	0	0	-
Investments	3,510	3,510	378,078	0	0.00%
Loan and Advances	19,175,047	20,182,634	20,516,997	0	-4.99%
Fixed Assets	368,868	478,736	337,741	0	-22.95%
Non Banking Assets	0.00	0.00	0.00	0	-
Other Assets	417,826	179,775	91,841	0	+132.42%
Total Assets	21,014,686	21,862,015	21,970,228	0	-3.88%

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	Interest Rate Spread	Net Interest Margin	Net Profit Margin	NPL%	P/B	P/E (Annualized)	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	8.74	7.8	15.46	6.87%	7.42	29.3	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	8.28	7.29	15.87	9.88%	9.34	39.2	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	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	8.88	8.45	25.67	5.14%	9.83	22.14	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	6.8	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	7.84	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	7.76	8	25.18	7.52%	5.28	19.06	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	7.92	6.77	8.34	23.62%	11.57	70.54	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	1.37	4.79	36.69	4.36%	8.37	73.25	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	7.34	7.11	7.55	18.91%	6.49	64.23	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	8.13	9.36	18.98	4.94%	3.55	19.63	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	8.24	9.37	18.92	8.69%	7.1	25.33	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	8.59	8.17	17.9	3.41%	14.21	44.31	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	7.56	8.55	24.17	14.29%	10.85	25.69	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	8.76	8.47	15.5	10.04%	6.93	29.2	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	8.52	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	6.22	7.55	20.19	4.8%	6.83	27.38	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	7.3	6.19	5.27	21.45%	8.93	141.53	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	8.9	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	7.58	7.77	9.2	12.59%	6.74	56.39	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	7.86	5.11	7.18	9.55%	9.59	63	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	8.53	7.12	10.29	18.84%	6.56	56.04	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	7.67	7.49	16.16	11.64%	8.51	55.79	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	7.92	7.66	15.68	9.96%	7.8	45.99	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	8.9	9.37	36.69	23.93%	17.78	209.38	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	1.37	4.79	2.74	2.32%	3.55	19.06	18.6	6.63	0.36	0.4%	2.76	3.33%