Nirdhan Utthan Laghubitta Bittiya Sanstha Limited
NPR 666.00
09:14 AM NPT · May 13, 2026
Est. 1998 A.D. (2055 B.S.) and commenced microfinance operations in 1999 under Nepal Rastra Bank license · Naxal, Kathmandu, Nepal (Central Office) · CEO: Shiva Raj Rawal
Nirdhan Utthan began as a microfinance institution: Nirdhan Utthan Laghubitta Bittiya Sanstha Limited was established in 1998 under the Company Act, and started formal operations in 1999 under license from the central bank.Over the years, its operations grew and it has become one of Nepal’s leading microfinance institutions, with a widespread network covering all 77 districts, reaching hundreds of thousands of clients through ~181 branch offices, 10 regional offices, and a central office in Naxal, Kathmandu. NUBL provides a broad array of financial services targeting low-income and underserved households including small loans (microcredit), deposit & savings schemes, micro-insurance, remittance services, and various social-impact and livelihood-support initiatives (such as financial literacy, entrepreneurship training, and support for agriculture or small enterprises).Their lending methodology combines group-lending models inspired by the original microfinance movement (à la Grameen Bank) and a “Self-Reliant Group” model developed in-house enabling members to graduate to individual loans after qualifying under group repayment history. As of recent disclosures (2025), NUBL has disbursed loans totaling over NPR 264 billion; its outstanding loan book is around NPR 27.15 billion, and its savings/deposit base (plus client outreach) includes over 400,000 active clients, making it among the largest microfinance/financial-inclusion institutions in Nepal.Through its operations, NUBL aims not only to provide credit but to promote self-reliance, upliftment, and poverty reduction helping low-income families access capital, start small enterprises, manage risks, and improve livelihoods across urban, rural, hill and Terai regions. Because of its outreach and social orientation, NUBL plays a dual role: as a financial-service provider and as a social-development actor. Its services help bridge the financial-inclusion gap in remote or under-served areas, giving access to formal financial services to people who otherwise may rely on informal money-lenders or money-economy outside formal banking.
Trading
Open
653.20
High
674.00
Low
653.20
Prev Close
670.00
Volume
2,802
Turnover
Rs 1,875,713.8
Txns
26
Valuation · Q2 FY25/26
EPS Ann.
8.73
EPS TTM
29.89
BVPS
213.17
P/E Ann.
76.29
P/E TTM
22.28
Graham #
204.63
Capital
Mkt Cap
17.4 Arab
Total
2.61 Crore
Public
1.28 Crore
Promoter
1.33 Crore
Technical Analysis
Indicator Signals
MACD
SellRSI
BuySuperTrend
Strong SellTrend Analysis
Direction
UptrendStrength
Very StrongMomentum
RSI (14)
27.65
ADX
53.98
Overall Score
Technical Score
Moving Averages
SMA 20
678.96
SMA 50
695.51
Bands & Channels
BB Width %
5.14%
Volume & Flow
OBV
1,144,694
Flow Analysis
[ Live 2026-05-13 ]
Total Buy
20,253
Shares Bought
Total Sell
20,253
Shares Sold
Net Flow
0
Net Accumulation
Active Brokers
53
Participating
ACCUM/DIST
Accumulation 58%
Distribution 42%
Accumulators
3Quantity
8,121
Amount
5,448,798
Avg Rate
670.95
Rank
#16
Brokers
Distributors
3Quantity
5,994
Amount
4,025,691
Avg Rate
671.62
Rank
#26
Brokers
Net Flow Impact:
+2,127unitsNet Flow by Timeframe
NUBL — Broker Breakdown (7D)
[ Vol: 29,917 ]
Buy Side
Total: 15,915Broker
QTY
AVG
NET
%
Sell Side
Total: 14,002Broker
QTY
AVG
NET
%
Financial Fundamentals
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 | 954 | +3.04 | +0.32% | 0 | 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 | 1,107.4 | -4.56 | -0.41% | 0.01 | 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 | 6,050 | -15.16 | -0.25% | 0.01 | 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 | 1,105 | -23.01 | -2.04% | 0 | 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 | 919 | 0 | 0% | 0.03 | 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 | 1,472 | +7.91 | +0.54% | 0 | 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 | 846.2 | -0.68 | -0.08% | 0.02 | 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 | 1,328 | -166.99 | -11.17% | 0 | 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 | 793 | -11.99 | -1.49% | 0.01 | 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 | 1,050.1 | -9.86 | -0.93% | 0.01 | 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 | 762.2 | -8.79 | -1.14% | 0.01 | 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 | 1,116.5 | -21.51 | -1.89% | 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 | 1,780 | -25.09 | -1.39% | 0 | 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 | 1,332.9 | +5.05 | +0.38% | 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 | 890 | -14.01 | -1.55% | 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 | 935 | +1.96 | +0.21% | 0 | 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% | 0.02 | 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 | 1,100 | +14.97 | +1.38% | 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 | 884.8 | -4.89 | -0.55% | 0 | 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 | 960 | +2.11 | +0.22% | 0 | 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 | 910 | +9.46 | +1.05% | 0.01 | 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 | 715 | -2.08 | -0.29% | 0.01 | 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 | 1,286.87 | -12.23 | -0.88% | 0.01 | 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 | 1,005.05 | -4.73 | -0.33% | 0.01 | 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 | 6,050 | 14.97 | 1.38% | 0.03 | 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 | 715 | -166.99 | -11.17% | 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% |