Nirdhan Utthan Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 635.00

NPR +3+0.47%

08:36 AM NPT · Jun 26, 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

632.00

High

635.00

Low

632.00

Prev Close

632.00

Volume

367

Turnover

Rs 232,049

Txns

0

Valuation · Q3 FY25/26

EPS Ann.

7.54

EPS TTM

18.61

BVPS

214.43

P/E Ann.

84.22

P/E TTM

34.12

Graham #

190.73

Capital

Mkt Cap

16.59 Arab

Total

2.61 Crore

Public

1.28 Crore

Promoter

1.33 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Strong Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

21.2

ADX

27.33

Overall Score

21
Below Line

Technical Score

Moving Averages

SMA 20

649.31

SMA 50

661.45

Bands & Channels

BB Width %

6.61%

Volume & Flow

OBV

1,110,702

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

14,078

Shares Bought

Total Sell

14,078

Shares Sold

Net Flow

0

Net Accumulation

Active Brokers

46

Participating

ACCUM/DIST

Accumulation 59%

Distribution 41%

Accumulators

3

Quantity

4,819

Amount

3,059,837

Avg Rate

634.95

Rank

#26

Brokers

#22#17#39

Distributors

2

Quantity

3,353

Amount

2,121,012

Avg Rate

632.57

Rank

#34

Brokers

#7#59

Net Flow Impact:

+1,466units
(Rs. 938,825)

Net Flow by Timeframe

NUBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 21,030 ]

Buy Side

Total: 11,611

Broker

QTY

AVG

NET

%

17

2,208

638.23

+634

15.7%

22

1,997

631.48

+1,716

14.2%

42

1,281

630.98

+430

9.1%

56

1,020

647.78

+20

7.3%

58

1,007

634.48

+374

7.2%

39

614

634.45

+614

4.4%

57

570

636.80

+548

4.0%

44

515

636.91

+515

3.7%

40

500

632.70

+500

3.5%

29

475

636.00

+475

3.4%

10

409

641.00

+389

2.9%

1

349

632.03

+349

2.5%

38

321

635.68

+291

2.3%

50

200

640.00

+200

1.4%

48

145

640.41

+145

1.0%

Sell Side

Total: 9,419

Broker

QTY

AVG

NET

%

7

1,800

630.09

-1,800

12.8%

59

1,553

635.45

-1,553

11.0%

36

955

631.35

-255

6.8%

45

909

638.22

-695

6.5%

41

820

634.49

-706

5.8%

80

785

635.00

-785

5.6%

34

453

644.57

-359

3.2%

35

441

637.16

-431

3.1%

49

397

630.06

-67

2.8%

28

348

634.71

-348

2.5%

74

317

630.08

-297

2.3%

11

232

635.24

-196

1.6%

19

174

644.61

-164

1.2%

62

172

656.00

-172

1.2%

26

63

636.00

-63

0.5%

Financial Fundamentals

Financial MetricFY25/26 Q3FY24/25 Q3FY23/24 Q3FY22/23 Q3Growth %
Capital & Liabilities
Paid Up Capital2,742,6842,612,0802,612,0800+5.00%
Reserves and Surplus3,138,3202,821,8782,249,0020+11.21%
Debentures and Bonds0.000.000.000-
Borrowings1,070,400976,6373,891,7360+9.60%
Deposits22,158,82820,475,48319,777,9430+8.22%
Income Tax Liabilities0.000.000.000-
Other Liabilities369,808196,071207,5520+88.61%
Total Capital & Liabilities29,480,03927,082,14928,738,3130+8.85%
Assets
Cash and Bank Balance831,0151,727,2073,035,5120-51.89%
Money at Call & Short Notice488,775000-
Investments385,457358,914301,7350+7.40%
Loan and Advances26,258,62524,083,24424,352,6360+9.03%
Fixed Assets215,885229,630254,1280-5.99%
Non Banking Assets0.000.000.000-
Other Assets1,300,283683,154794,3030+90.34%
Total Assets29,480,03927,082,14928,738,3130+8.85%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q3

NPR/Millions

Statement

Highlight

TICKERMarket
Key Ratios
PriceChgChg%Mkt Cap (M)Asset TurnoverBook Value Per ShareC/D Ratio%Debt to EquityEPS (Annualized)EPS (TTM)Graham's NumberInterest Rate SpreadNet Interest MarginNet Profit MarginNPL%P/BP/E (Annualized)P/E (TTM)P/SROA (Annualized)ROA (TTM)%ROE (Annualized)ROE (TTM)%

ACLBSL

939-16.04-1.68%00.13179.21201.13%8.3634.0234.53373.148.747.815.466.87%7.4229.327.88.062.082.11%20.8421.15%

ADLB

-----------------------

AKBSL

-----------------------

ALBSL

1,070-14.97-1.38%0.010.13163.92113.23%8.1529.2839.86383.428.287.2915.879.88%9.3439.227.7511.072.052.79%19.2526.22%

ANLB

5,894-5.9-0.1%0.010.11484.74-4.4982.4991.55999.25-8.229.2511.17%17.7878.3764.8840.763.213.57%19.6321.79%

AVYAN

1,060+0.11+0.01%00.15157.84110.28%8.352.5356.82449.218.888.4525.675.14%9.8322.1419.6210.113.724.02%38.3241.45%

BPW

-----------------------

CBBL

910.7-0.27-0.03%0.030.12241.9395.82%5.5333.4134.99436.426.86.6518.452.32%5.0327.326.328.962.252.36%14.4715.16%

CYCL

1,432.9-29.69-2.03%00.11269.54110.75%9.2826.7443.18511.737.846.338.7219.7%7.7358.4533.79.0711.62%9.9316.05%

DDBL

830-3.42-0.41%0.020.13212.26111.22%5.6344.1345.7467.187.76825.187.52%5.2819.0618.68.533.273.39%22.6323.43%

DLBS

1,235-42.15-3.3%00.11148.796.63%11.6318.2921.19266.267.926.778.3423.62%11.5770.5459.7510.470.951.11%11.7513.61%

FMDBL

770-2.01-0.26%0.010.06131.53119.28%2.2711.2713196.141.374.7936.694.36%8.3773.2560.6847.772.332.69%8.7210.06%

FOWAD

990-5.98-0.6%0.010.13239.61115.98%7.0818.1516.05294.167.347.117.5518.91%6.4964.2364.748.620.950.84%7.366.5%

GBLBS

767.6+0.61+0.08%0.010.14295.1825.3%4.494036.73493.918.139.3618.984.94%3.5519.6321.246.632.612.4%1412.85%

GGBSL

-----------------------

GILB

1,102+0.99+0.09%0.010.14214.72277.7%7.0845.1647.07476.878.249.3718.928.69%7.125.3324.018.522.732.85%22.1723.11%

GLBSL

1,800-35.05-1.91%00.14168.91379.35%9.5840.6239.89389.368.598.1717.93.41%14.2144.3145.4714.112.452.41%27.3626.86%

GMFBS

1,226.2-16.78-1.35%00.13169.51105.16%9.2353.7152.94449.357.568.5524.1714.29%10.8525.6924.5211.043.163.12%32.1231.67%

HLBSL

87500%00.13178.01101.94%8.4731.6834.99374.368.768.4715.510.04%6.9329.225.728.051.962.17%19.3621.37%

ILBS

890.1-17.89-1.97%00.12140.07113.65%7.8320.3133.95327.18.526.8913.9623.93%9.2147.6626.9811.831.652.77%14.6124.44%

JALPA

-----------------------

JBLB

1,261+4.02+0.32%0.020.13255.24127.25%6.3247.7357.77575.996.227.5520.194.8%6.8327.3822.459.832.653.22%20.7325.09%

JSLBB

1,031+13.03+1.28%00.11170.91108.22%6.928.0919.73275.457.36.195.2721.45%8.93141.5355.513.280.591.45%5.1212.49%

KLBS

-----------------------

KLBSL

-----------------------

KMCDB

821-98.99-10.76%00.13154.96111.88%6.964.3712.22206.418.98.882.7414.14%7.87209.3871.2810.210.361.03%2.767.74%

LLBS

92300%00.13192.91115.22%6.7917.296.03161.787.587.779.212.59%6.7456.39156.729.231.160.4%9.573.33%

MATRI

850-9.02-1.05%0.010.1132.3105.65%14.415.119.04164.047.865.117.189.55%9.596399.788.040.730.44%9.155.47%

MERO

710.9-1.07-0.15%0.010.11151.87103.74%7.1113.3315.83232.588.537.1210.2918.84%6.5656.0446.1610.261.161.39%8.9510.63%

MKLB

-----------------------
AVG1,244.97-12.75-1.15%0.010.122202.45130.92%7.5431.2634.68386.557.677.4916.1611.64%8.5155.7946.5312.931.962.19%16.3118.2%
MED964.5-4.66-0.33%00.13174.46111.22%7.130.4834.99378.897.927.6615.689.96%7.845.9930.759.972.072.38%14.5418.6%
MAX5,89413.031.28%0.030.15484.74379.35%14.482.4991.55999.258.99.3736.6923.93%17.78209.38156.7247.773.724.02%38.3241.45%
MIN710.9-98.99-10.76%00.06131.5325.3%2.274.376.03161.781.374.792.742.32%3.5519.0618.66.630.360.4%2.763.33%

30

securities loaded

Best in class

Laggard

AVG

Average

MED

Median

MAX

Maximum

MIN

Minimum