Nerude Mirmire Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 599.80

NPR -6.3-1.04%

05:46 AM NPT · May 13, 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

606.00

High

606.09

Low

582.00

Prev Close

606.10

Volume

8,935

Turnover

Rs 5,313,887

Txns

Valuation · Q2 FY25/26

EPS Ann.

11.18

EPS TTM

28.25

BVPS

212.76

P/E Ann.

53.65

P/E TTM

21.23

Graham #

231.34

Capital

Mkt Cap

8.38 Arab

Total

1.4 Crore

Public

67.81 Lakh

Promoter

71.97 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

39.3

ADX

23.5

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

616.74

SMA 50

632.36

Bands & Channels

BB Width %

6.81%

Volume & Flow

OBV

2,119,147

Flow Analysis

[ Live 2026-05-12 ]

Total Buy

22,607

Shares Bought

Total Sell

22,607

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 48%

Distribution 52%

Accumulators

Quantity

7,671

Amount

4,717,680

Avg Rate

615.00

Rank

#19

Brokers

#66#22#34

Distributors

Quantity

8,357

Amount

5,108,102

Avg Rate

611.24

Rank

#22

Brokers

#50#8#49

Net Flow Impact:

-686units

(Rs. -390,422)

Net Flow by Timeframe

NMLBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 35,282 ]

Buy Side

Total: 17,339

Broker

QTY

AVG

NET

3,200

614.12

+3,200

14.2%

2,720

618.56

+2,710

12.0%

1,852

606.53

+1,605

8.2%

1,751

611.07

+1,641

7.8%

1,670

608.24

+570

7.4%

1,663

608.69

+1,538

7.4%

1,050

610.29

+306

4.6%

963

610.04

+741

4.3%

581

612.22

+571

2.6%

510

609.31

+360

2.3%

412

605.42

+412

1.8%

279

619.67

+279

1.2%

250

607.00

+95

1.1%

246

610.57

+246

1.1%

192

608.71

+192

0.8%

Sell Side

Total: 17,943

Broker

QTY

AVG

NET

4,029

609.04

-2,819

17.8%

2,510

613.42

-2,510

11.1%

1,818

613.08

-1,514

8.0%

1,500

604.37

-1,290

6.6%

1,351

613.14

-1,141

6.0%

1,274

614.08

-1,274

5.6%

1,271

617.20

-749

5.6%

707

615.82

-289

3.1%

668

609.29

-668

3.0%

552

614.27

-313

2.4%

525

608.02

-350

2.3%

518

602.85

-286

2.3%

500

612.10

-300

2.2%

396

608.98

-296

1.8%

324

604.81

-136

1.4%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Capital & Liabilities
Paid Up Capital	1,397,764,272	1,397,764,545	0	0	0.00%
Reserves and Surplus	1,576,103,102	1,177,492,188	0	0	+33.85%
Debentures and Bonds	0.00	0.00	0	0	-
Borrowings	10,146,112,378	11,249,935,905	0	0	-9.81%
Deposits	6,656,501,228	6,233,309,818	0	0	+6.79%
Income Tax Liabilities	0.00	6233309818.10	0	0	-100.00%
Other Liabilities	1,635,469,505	1,854,040,700	0	0	-11.79%
Total Capital & Liabilities	21,411,950,485	21,912,543,157	0	0	-2.28%
Assets
Cash and Bank Balance	895,286,547	582,115,819	0	0	+53.80%
Money at Call & Short Notice	40,000,000	0	0	0	-
Investments	3,510,000	381,732,590	0	0	-99.08%
Loan and Advances	19,883,507,994	20,099,323,975	0	0	-1.07%
Fixed Assets	345,905,804	481,749,152	0	0	-28.20%
Non Banking Assets	0.00	0.00	0	0	-
Other Assets	243,740,140	367,621,620	0	0	-33.70%
Total Assets	21,411,950,485	21,912,543,157	0	0	-2.28%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
ACLBSL	950	-1.05	-0.11%	-	0.13	169.98	213.9%	32.57	33.11	355.85	8.27%	7.44%	5.2%	14.84%	11.3	29.47	0.38	31.23	30.72	17.51	1.98%	2.01%	21%	21.36%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,091	-21.02	-1.89%	-	0.13	158.08	6.57%	31.29	38.77	371.35	8.4%	7.16%	10.15%	17.5%	14.95	37.78	0.09	35.6	28.73	26.45	2.24%	2.79%	21.34%	26.44%
ANLB	5,800	-265.04	-4.37%	-	0.12	428.75	0%	77.9	85.26	906.91	0%	-	11.81%	27.93%	28.45	78.31	0.31	80.87	73.89	87.5	3.32%	3.65%	20.24%	22.16%
AVYAN	1,118	-10.04	-0.89%	-	0.03	149.39	109.7%	61.89	55.85	433.27	8.34%	8.86%	4.15%	29.02%	12.66	15.29	0.01	15.51	17.19	17.75	0.9%	0.81%	47.92%	43.25%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	917	-2.02	-0.22%	-	0.13	233.66	94.92%	31.85	35.31	430.86	5.51%	6.96%	2.45%	17.74%	7.89	28.95	963	28.89	26.05	20.54	2.22%	2.46%	14.32%	15.87%
CYCL	1,443.2	-20.94	-1.43%	-	0.12	268.72	111.75%	27.99	41.89	503.26	7.91%	6.38%	18.48%	9.02%	11.24	53.96	0	55.09	36.81	19.47	1.06%	1.61%	10.74%	16.09%
DDBL	840	-6.86	-0.81%	-	0.14	221.13	115.62%	47.41	47.55	486.4	7.83%	8.32%	8.43%	24.37%	7.42	17.3	0.27	17.51	17.46	16.87	3.36%	3.37%	23.26%	23.33%
DLBS	1,329	-165.94	-11.1%	-	0.12	179.13	94.98%	18.38	19.05	277.09	7.67%	7.44%	9.83%	7.8%	14.52	70.73	0.15	71.27	68.77	22.09	0.94%	0.98%	10.82%	11.23%
FMDBL	788.2	-16.83	-2.09%	-	0.06	128.31	114.74%	10.47	11.14	179.33	1.42%	4.14%	4.52%	35.1%	12.39	75.93	2.15	74.4	69.93	106.64	2.12%	2.27%	8.24%	8.78%
FOWAD	1,076.9	+16.85	+1.59%	-	0.13	234.69	112.57%	31.98	20.71	330.7	7.31%	7.3%	8.92%	13.3%	9.12	33.46	0.02	32.86	50.75	17.8	1.7%	1.1%	13.14%	8.51%
GBLBS	771	0	0%	-	0.14	278.07	26.68%	43.75	34.76	466.35	8.84%	9.62%	4.76%	20.85%	5.57	17.69	1.06	17.21	21.66	14.76	2.94%	2.34%	15.96%	12.68%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,138	+21.88	+1.96%	0.01	0.15	197.29	282.59%	32.67	34.47	391.17	8.43%	9.46%	8.96%	13.69%	11.67	35.23	0	33.76	32	19.3	2.02%	2.14%	16.8%	17.73%
GLBSL	1,771	-33.93	-1.88%	-	0.14	159.33	393.94%	40.22	38.34	370.74	8.44%	8.32%	3.13%	17.81%	24.15	47.84	0.9	41.57	0	34.09	2.5%	2.38%	28.82%	27.47%
GMFBS	1,327.9	-9.09	-0.68%	0	0.14	185.26	107.54%	-4.71	17.54	270.39	8.32%	8.86%	14.37%	-2.06%	16.14	-317.41	0	-309.55	83.12	26.18	-0.28%	1.07%	-2.96%	11.05%
HLBSL	904	-2.99	-0.33%	0	0.11	167.35	95.52%	26.24	32.38	349.17	8.6%	7.9%	8.58%	13.2%	10.68	34.05	0.57	34.49	27.95	17.99	1.48%	1.82%	16.98%	20.97%
ILBS	951	+18.01	+1.93%	-	0.13	136.88	119.88%	24.07	49.91	392.06	8.31%	7.38%	17.85%	15.51%	14.52	41.3	0.24	39.05	18.83	25.63	2%	4.16%	18.84%	39.06%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,300	-4.96	-0.38%	-	0.13	277.15	124.79%	50.65	60.15	612.44	5.85%	7.32%	5.98%	19.57%	9.54	26.1	0.39	25.94	21.84	20.44	2.56%	3.05%	20.08%	23.85%
JSLBB	1,085	-34.94	-3.12%	0	0.11	170.87	107.57%	11.8	19.17	271.48	7.6%	6.12%	9.15%	7.55%	13.55	98.14	0.42	95.25	58.63	29.66	0.86%	1.4%	7.44%	12.11%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	875.5	-14.24	-1.6%	-	0.14	164.7	112.75%	26.09	27.74	320.62	8.67%	8.82%	11.42%	16.43%	11.48	36.22	1.33	34.92	32.84	23.81	2.3%	2.45%	16.28%	17.31%
LLBS	970	+12.07	+1.26%	-	0.12	187.67	107.03%	15.31	8.11	185.05	6.19%	7.64%	13.04%	8.25%	9.88	60.55	0.66	60.42	114.06	19.99	0.98%	0.52%	8.78%	4.65%
MATRI	886	-14.5	-1.61%	-	0.1	119.9	102.58%	11.25	9.36	158.91	7.28%	4.96%	10.48%	5.5%	16.35	87.11	0.6	85.78	103.1	19.18	0.54%	0.45%	7%	5.84%
MERO	710	-7.1	-0.99%	-	0.12	155.78	110.81%	13.88	16.56	240.92	8.6%	7.38%	19.54%	10.28%	9.53	53.46	3.4	51.59	43.24	21.99	1.24%	1.48%	9.08%	10.84%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,274.67	-25.58	-1.22%	0	0.12	198.73	121.2%	30.13	33.51	377.47	7.17%	7.51%	9.6%	15.6%	12.864	30.066	44.361	29.712	44.435	28.438	1.77%	2.01%	16.1%	18.21%
MED	1,023.45	-8.1	-0.85%	0	0.13	175	110.26%	29.64	33.79	363.3	8.09%	7.44%	9.06%	15.18%	11.575	37	0.385	35.26	32.42	20.49	1.99%	2.08%	16.12%	16.7%
MAX	5,800	21.88	1.96%	0.01	0.15	428.75	393.94%	77.9	85.26	906.91	8.84%	9.62%	19.54%	35.1%	28.45	98.14	963	95.25	114.06	106.64	3.36%	4.16%	47.92%	43.25%
MIN	710	-265.04	-11.1%	0	0.03	119.9	0%	-4.71	8.11	158.91	0%	4.14%	2.45%	-2.06%	5.57	-317.41	0	-309.55	0	14.76	-0.28%	0.45%	-2.96%	4.65%