Nerude Mirmire Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 485.00

NPR -8-1.62%

09:13 AM NPT · Nov 6, 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

483.30

High

494.90

Low

483.30

Prev Close

493.00

Volume

2,054

Turnover

Rs 997,179

Txns

Valuation · Q4 FY25/26

EPS Ann.

16.88

EPS TTM

16.88

BVPS

186.59

P/E Ann.

28.73

P/E TTM

28.73

Graham #

266.21

Capital

Mkt Cap

6.95 Arab

Total

1.43 Crore

Public

69.48 Lakh

Promoter

73.75 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

39.52

ADX

33.87

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

495.18

SMA 50

495.64

Bands & Channels

BB Width %

3.32%

Volume & Flow

OBV

2,015,578

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

16,389

Shares Bought

Total Sell

16,389

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 41%

Distribution 59%

Accumulators

Quantity

3,581

Amount

1,736,081

Avg Rate

484.80

Rank

#32

Brokers

#32#3#16

Distributors

Quantity

5,058

Amount

2,453,945

Avg Rate

485.16

Rank

#28

Brokers

#43#21

Net Flow Impact:

-1,477units

(Rs. -717,864)

Net Flow by Timeframe

NMLBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 26,240 ]

Buy Side

Total: 12,321

Broker

QTY

AVG

NET

1,561

482.99

+1,461

9.5%

1,503

486.56

+963

9.2%

1,224

484.66

+514

7.5%

1,046

483.08

+846

6.4%

1,020

487.39

+1,020

6.2%

1,000

485.00

+990

6.1%

850

487.41

+788

5.2%

660

487.26

+660

4.0%

576

485.43

+566

3.5%

561

485.92

+161

3.4%

546

485.17

+546

3.3%

537

491.28

+537

3.3%

420

488.65

+420

2.6%

417

487.34

+417

2.5%

400

488.00

+400

2.4%

Sell Side

Total: 13,919

Broker

QTY

AVG

NET

3,473

484.27

-3,473

21.2%

1,585

487.11

-1,585

9.7%

1,457

480.82

-835

8.9%

1,400

485.21

-1,400

8.5%

1,071

486.55

-521

6.5%

1,010

487.52

-810

6.2%

931

488.26

-631

5.7%

639

489.89

-627

3.9%

529

489.10

-467

3.2%

508

489.01

-508

3.1%

473

491.78

-363

2.9%

422

488.77

-422

2.6%

160

485.00

-160

1.0%

154

487.22

-154

0.9%

107

493.33

-107

0.7%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Capital & Liabilities
Paid Up Capital	0	1,397,764	1,397,765	0	0.00%
Reserves and Surplus	0	1,492,339	1,319,307	0	+13.12%
Debentures and Bonds	0	0.00	0.00	0	-
Borrowings	9,773,307	10,852,192	11,028,290	0	-9.94%
Deposits	0	6,459,902	6,141,363	0	+5.19%
Income Tax Liabilities	0	0.00	0.00	0	-
Other Liabilities	780,138	1,573,487	1,603,672	0	-50.42%
Total Capital & Liabilities	0	21,775,684	21,490,396	0	+1.33%
Assets
Cash and Bank Balance	0	1,065,580	419,664	0	+153.91%
Money at Call & Short Notice	0	0.00	0.00	0	-
Investments	0	3,510	379,446	0	-99.07%
Loan and Advances	0	20,138,330	20,142,228	0	-0.02%
Fixed Assets	0	350,552	485,234	0	-27.76%
Non Banking Assets	0	0.00	0.00	0	-
Other Assets	116,418	217,713	63,825	0	-46.53%
Total Assets	20,959,403	21,775,684	21,490,396	0	-3.75%

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)	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ACLBSL	817.5	-15.66	-1.88%	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	32.13	4.17	1.68	1.68%	16.48	16.48%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,169.6	-2.34	-0.2%	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	36.47	5.48	2.23	2.23%	19.62	19.62%
ANLB	4,899.3	+30.19	+0.62%	0	0.11	362.38	-	5.73	69.71	69.71	753.91	-	7.65	26.79	10.78%	19.87	103.29	71.8	27.67	3.07	3.07%	19.94	19.94%
AVYAN	1,020	+2.04	+0.2%	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	18.65	5.02	3.86	3.86%	39.92	39.92%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	987	-2.77	-0.28%	0.04	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	26.73	4.96	2.37	2.37%	14.96	14.96%
CYCL	1,362	+10.41	+0.77%	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	13.46	4.07	4.02	4.02%	34.85	34.85%
DDBL	862.5	-4.51	-0.52%	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	17.94	4.74	3.48	3.48%	23.1	23.1%
DLBS	1,039	0	0%	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	75.32	5.45	0.82	0.82%	9.82	9.82%
FMDBL	718	+2	+0.28%	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	53.67	28.58	3.06	3.06%	10.56	10.56%
FOWAD	900.1	+5.1	+0.57%	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	17.51	3.96	2.69	2.69%	19.74	19.74%
GBLBS	641.3	-10.23	-1.57%	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	1,127.6	+17.54	+1.58%	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	18.4	4.39	3.6	3.6%	27.61	27.61%
GLBSL	1,440	-39.05	-2.64%	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	55.45	7.58	1.87	1.87%	20.28	20.28%
GMFBS	1,039	+9.98	+0.97%	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	38.95	5.77	1.68	1.68%	17.09	17.09%
HLBSL	870	-8.97	-1.02%	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	28.21	4.17	1.8	1.8%	18.06	18.06%
ILBS	965	+24.91	+2.65%	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	29.05	5.33	2.89	2.89%	23.03	23.03%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,289	+7.94	+0.62%	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	20.58	5.18	3.34	3.34%	24.42	24.42%
JSLBB	923.4	+10.41	+1.14%	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	92.34	6.04	0.75	0.75%	6.42	6.42%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	775.1	+0.08	+0.01%	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	31.39	4.66	2.21	2.21%	15.73	15.73%
LLBS	813.9	+0.89	+0.11%	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	35.99	4.68	1.59	1.59%	13.24	13.24%
MATRI	709.8	+9.18	+1.31%	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	16.37	3.47	2.3	2.3%	27.46	27.46%
MERO	631.9	+2.02	+0.32%	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	72.26	4.92	0.69	0.69%	5.63	5.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,136.41	2.23	0.14%	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	37.45	7.133	2.39	2.38%	19.18	19.13%
MED	944.2	2.01	0.24%	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	30.22	4.99	2.34	2.34%	18.84	18.84%
MAX	4,899.3	30.19	2.65%	0.04	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	92.34	28.58	4.02	4.02%	39.92	39.92%
MIN	631.9	-39.05	-2.64%	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	13.46	3.47	0.69	0.69%	5.63	5.63%