Nerude Mirmire Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 497.00

NPR +19+3.97%

09:14 AM NPT · Sep 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

485.00

High

511.90

Low

469.00

Prev Close

478.00

Volume

14,672

Turnover

Rs 7,186,154.9

Txns

Valuation · Q4 FY25/26

EPS Ann.

16.88

EPS TTM

16.88

BVPS

186.59

P/E Ann.

29.44

P/E TTM

29.44

Graham #

266.21

Capital

Mkt Cap

6.95 Arab

Total

1.4 Crore

Public

67.81 Lakh

Promoter

71.97 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

44.12

ADX

49.29

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

494.09

SMA 50

517.96

Bands & Channels

BB Width %

9.87%

Volume & Flow

OBV

2,017,370

Flow Analysis

[ Live 2026-09-11 ]

Total Buy

25,428

Shares Bought

Total Sell

25,428

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 49%

Distribution 51%

Accumulators

Quantity

13,519

Amount

6,629,583

Avg Rate

490.39

Rank

Brokers

#96#85#45

Distributors

Quantity

14,225

Amount

6,894,418

Avg Rate

484.67

Rank

#11

Brokers

#82#48#38

Net Flow Impact:

-706units

(Rs. -264,835)

Net Flow by Timeframe

NMLBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 42,970 ]

Buy Side

Total: 20,458

Broker

QTY

AVG

NET

8,124

492.78

+8,124

31.9%

3,005

491.58

+3,005

11.8%

2,390

480.79

+2,090

9.4%

1,211

485.53

+492

4.8%

950

473.50

+950

3.7%

700

481.60

+630

2.8%

680

482.56

+674

2.7%

572

491.14

+532

2.3%

544

479.86

+440

2.1%

488

484.96

+354

1.9%

406

482.72

+406

1.6%

393

476.34

+393

1.6%

360

486.31

+360

1.4%

345

478.54

+95

1.4%

290

483.97

+290

1.1%

Sell Side

Total: 22,512

Broker

QTY

AVG

NET

7,596

485.31

-7,586

29.9%

4,074

484.48

-3,984

16.0%

2,555

483.05

-1,629

10.1%

1,722

476.49

-1,448

6.8%

1,150

491.75

-1,140

4.5%

1,050

502.51

-495

4.1%

1,030

481.59

-1,030

4.0%

767

487.51

-147

3.0%

700

492.29

-41

2.8%

567

490.87

-557

2.2%

310

487.65

-300

1.2%

263

499.54

-263

1.0%

258

487.65

-158

1.0%

250

489.68

-220

1.0%

220

493.90

-10

0.9%

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	880	+1.93	+0.22%	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	32.78	4.17	1.68	1.68%	16.48	16.48%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,156	+47.23	+4.26%	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	33.07	5.48	2.23	2.23%	19.62	19.62%
ANLB	4,930	+90.97	+1.88%	0	0.11	362.38	-	5.73	69.71	69.71	753.91	-	7.65	26.79	10.78%	19.87	103.29	73.73	27.67	3.07	3.07%	19.94	19.94%
AVYAN	1,091	+99.99	+10.09%	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	18.23	5.02	3.86	3.86%	39.92	39.92%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	942.1	+0.09	+0.01%	0.03	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	26.16	4.96	2.37	2.37%	14.96	14.96%
CYCL	1,513	-6.99	-0.46%	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	13.25	4.07	4.02	4.02%	34.85	34.85%
DDBL	837.6	-1.43	-0.17%	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	17.44	4.74	3.48	3.48%	23.1	23.1%
DLBS	983	+27.98	+2.93%	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	65.33	5.45	0.82	0.82%	9.82	9.82%
FMDBL	727.1	+4.41	+0.61%	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	53.46	28.58	3.06	3.06%	10.56	10.56%
FOWAD	878.9	+0.97	+0.11%	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	17.61	3.96	2.69	2.69%	19.74	19.74%
GBLBS	635	+13	+2.09%	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	1,090.5	-12.46	-1.13%	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	17.62	4.39	3.6	3.6%	27.61	27.61%
GLBSL	1,629	+28.02	+1.75%	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	55.61	7.58	1.87	1.87%	20.28	20.28%
GMFBS	1,154	-10.01	-0.86%	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	40.41	5.77	1.68	1.68%	17.09	17.09%
HLBSL	859	0	0%	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	27.83	4.17	1.8	1.8%	18.06	18.06%
ILBS	870	+13.03	+1.52%	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	23.43	5.33	2.89	2.89%	23.03	23.03%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,255.8	+5.75	+0.46%	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	20.33	5.18	3.34	3.34%	24.42	24.42%
JSLBB	959	0	0%	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	90.37	6.04	0.75	0.75%	6.42	6.42%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	807	+7.52	+0.94%	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	28.25	4.66	2.21	2.21%	15.73	15.73%
LLBS	880	-4.51	-0.51%	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	36.24	4.68	1.59	1.59%	13.24	13.24%
MATRI	725	+10.01	+1.4%	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	17.46	3.47	2.3	2.3%	27.46	27.46%
MERO	618	+27.8	+4.71%	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	75.09	4.92	0.69	0.69%	5.63	5.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,155.5	15.6	1.36%	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	36.588	7.133	2.39	2.38%	19.18	19.13%
MED	911.05	5.08	0.54%	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	28.04	4.99	2.34	2.34%	18.84	18.84%
MAX	4,930	99.99	10.09%	0.03	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	90.37	28.58	4.02	4.02%	39.92	39.92%
MIN	618	-12.46	-1.13%	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	13.25	3.47	0.69	0.69%	5.63	5.63%