Nirdhan Utthan Laghubitta Bittiya Sanstha Limited
NPR 635.00
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
Technical Analysis
Indicator Signals
MACD
SellRSI
Strong BuySuperTrend
Strong SellTrend Analysis
Direction
UptrendStrength
StrongMomentum
RSI (14)
21.2
ADX
27.33
Overall Score
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
3Quantity
4,819
Amount
3,059,837
Avg Rate
634.95
Rank
#26
Brokers
Distributors
2Quantity
3,353
Amount
2,121,012
Avg Rate
632.57
Rank
#34
Brokers
Net Flow Impact:
+1,466unitsNet Flow by Timeframe
NUBL — Broker Breakdown (7D)
[ Vol: 21,030 ]
Buy Side
Total: 11,611Broker
QTY
AVG
NET
%
Sell Side
Total: 9,419Broker
QTY
AVG
NET
%
Financial Fundamentals
Sector Peers — Microfinance (30)
Peer Comparison
Microfinance SECTOR — NEPAL
2025/2026 Q3
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 | 939 | -16.04 | -1.68% | 0 | 0.13 | 179.21 | 201.13% | 8.36 | 34.02 | 34.53 | 373.14 | 8.74 | 7.8 | 15.46 | 6.87% | 7.42 | 29.3 | 27.8 | 8.06 | 2.08 | 2.11% | 20.84 | 21.15% |
ADLB | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
AKBSL | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ALBSL | 1,070 | -14.97 | -1.38% | 0.01 | 0.13 | 163.92 | 113.23% | 8.15 | 29.28 | 39.86 | 383.42 | 8.28 | 7.29 | 15.87 | 9.88% | 9.34 | 39.2 | 27.75 | 11.07 | 2.05 | 2.79% | 19.25 | 26.22% |
ANLB | 5,894 | -5.9 | -0.1% | 0.01 | 0.11 | 484.74 | - | 4.49 | 82.49 | 91.55 | 999.25 | - | 8.2 | 29.25 | 11.17% | 17.78 | 78.37 | 64.88 | 40.76 | 3.21 | 3.57% | 19.63 | 21.79% |
AVYAN | 1,060 | +0.11 | +0.01% | 0 | 0.15 | 157.84 | 110.28% | 8.3 | 52.53 | 56.82 | 449.21 | 8.88 | 8.45 | 25.67 | 5.14% | 9.83 | 22.14 | 19.62 | 10.11 | 3.72 | 4.02% | 38.32 | 41.45% |
BPW | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
CBBL | 910.7 | -0.27 | -0.03% | 0.03 | 0.12 | 241.93 | 95.82% | 5.53 | 33.41 | 34.99 | 436.42 | 6.8 | 6.65 | 18.45 | 2.32% | 5.03 | 27.3 | 26.32 | 8.96 | 2.25 | 2.36% | 14.47 | 15.16% |
CYCL | 1,432.9 | -29.69 | -2.03% | 0 | 0.11 | 269.54 | 110.75% | 9.28 | 26.74 | 43.18 | 511.73 | 7.84 | 6.33 | 8.72 | 19.7% | 7.73 | 58.45 | 33.7 | 9.07 | 1 | 1.62% | 9.93 | 16.05% |
DDBL | 830 | -3.42 | -0.41% | 0.02 | 0.13 | 212.26 | 111.22% | 5.63 | 44.13 | 45.7 | 467.18 | 7.76 | 8 | 25.18 | 7.52% | 5.28 | 19.06 | 18.6 | 8.53 | 3.27 | 3.39% | 22.63 | 23.43% |
DLBS | 1,235 | -42.15 | -3.3% | 0 | 0.11 | 148.7 | 96.63% | 11.63 | 18.29 | 21.19 | 266.26 | 7.92 | 6.77 | 8.34 | 23.62% | 11.57 | 70.54 | 59.75 | 10.47 | 0.95 | 1.11% | 11.75 | 13.61% |
FMDBL | 770 | -2.01 | -0.26% | 0.01 | 0.06 | 131.53 | 119.28% | 2.27 | 11.27 | 13 | 196.14 | 1.37 | 4.79 | 36.69 | 4.36% | 8.37 | 73.25 | 60.68 | 47.77 | 2.33 | 2.69% | 8.72 | 10.06% |
FOWAD | 990 | -5.98 | -0.6% | 0.01 | 0.13 | 239.61 | 115.98% | 7.08 | 18.15 | 16.05 | 294.16 | 7.34 | 7.11 | 7.55 | 18.91% | 6.49 | 64.23 | 64.74 | 8.62 | 0.95 | 0.84% | 7.36 | 6.5% |
GBLBS | 767.6 | +0.61 | +0.08% | 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 | 1,102 | +0.99 | +0.09% | 0.01 | 0.14 | 214.72 | 277.7% | 7.08 | 45.16 | 47.07 | 476.87 | 8.24 | 9.37 | 18.92 | 8.69% | 7.1 | 25.33 | 24.01 | 8.52 | 2.73 | 2.85% | 22.17 | 23.11% |
GLBSL | 1,800 | -35.05 | -1.91% | 0 | 0.14 | 168.91 | 379.35% | 9.58 | 40.62 | 39.89 | 389.36 | 8.59 | 8.17 | 17.9 | 3.41% | 14.21 | 44.31 | 45.47 | 14.11 | 2.45 | 2.41% | 27.36 | 26.86% |
GMFBS | 1,226.2 | -16.78 | -1.35% | 0 | 0.13 | 169.51 | 105.16% | 9.23 | 53.71 | 52.94 | 449.35 | 7.56 | 8.55 | 24.17 | 14.29% | 10.85 | 25.69 | 24.52 | 11.04 | 3.16 | 3.12% | 32.12 | 31.67% |
HLBSL | 875 | 0 | 0% | 0 | 0.13 | 178.01 | 101.94% | 8.47 | 31.68 | 34.99 | 374.36 | 8.76 | 8.47 | 15.5 | 10.04% | 6.93 | 29.2 | 25.72 | 8.05 | 1.96 | 2.17% | 19.36 | 21.37% |
ILBS | 890.1 | -17.89 | -1.97% | 0 | 0.12 | 140.07 | 113.65% | 7.83 | 20.31 | 33.95 | 327.1 | 8.52 | 6.89 | 13.96 | 23.93% | 9.21 | 47.66 | 26.98 | 11.83 | 1.65 | 2.77% | 14.61 | 24.44% |
JALPA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
JBLB | 1,261 | +4.02 | +0.32% | 0.02 | 0.13 | 255.24 | 127.25% | 6.32 | 47.73 | 57.77 | 575.99 | 6.22 | 7.55 | 20.19 | 4.8% | 6.83 | 27.38 | 22.45 | 9.83 | 2.65 | 3.22% | 20.73 | 25.09% |
JSLBB | 1,031 | +13.03 | +1.28% | 0 | 0.11 | 170.91 | 108.22% | 6.92 | 8.09 | 19.73 | 275.45 | 7.3 | 6.19 | 5.27 | 21.45% | 8.93 | 141.53 | 55.5 | 13.28 | 0.59 | 1.45% | 5.12 | 12.49% |
KLBS | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
KLBSL | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
KMCDB | 821 | -98.99 | -10.76% | 0 | 0.13 | 154.96 | 111.88% | 6.96 | 4.37 | 12.22 | 206.41 | 8.9 | 8.88 | 2.74 | 14.14% | 7.87 | 209.38 | 71.28 | 10.21 | 0.36 | 1.03% | 2.76 | 7.74% |
LLBS | 923 | 0 | 0% | 0 | 0.13 | 192.91 | 115.22% | 6.79 | 17.29 | 6.03 | 161.78 | 7.58 | 7.77 | 9.2 | 12.59% | 6.74 | 56.39 | 156.72 | 9.23 | 1.16 | 0.4% | 9.57 | 3.33% |
MATRI | 850 | -9.02 | -1.05% | 0.01 | 0.1 | 132.3 | 105.65% | 14.4 | 15.11 | 9.04 | 164.04 | 7.86 | 5.11 | 7.18 | 9.55% | 9.59 | 63 | 99.78 | 8.04 | 0.73 | 0.44% | 9.15 | 5.47% |
MERO | 710.9 | -1.07 | -0.15% | 0.01 | 0.11 | 151.87 | 103.74% | 7.11 | 13.33 | 15.83 | 232.58 | 8.53 | 7.12 | 10.29 | 18.84% | 6.56 | 56.04 | 46.16 | 10.26 | 1.16 | 1.39% | 8.95 | 10.63% |
MKLB | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| AVG | 1,244.97 | -12.75 | -1.15% | 0.01 | 0.122 | 202.45 | 130.92% | 7.54 | 31.26 | 34.68 | 386.55 | 7.67 | 7.49 | 16.16 | 11.64% | 8.51 | 55.79 | 46.53 | 12.93 | 1.96 | 2.19% | 16.31 | 18.2% |
| MED | 964.5 | -4.66 | -0.33% | 0 | 0.13 | 174.46 | 111.22% | 7.1 | 30.48 | 34.99 | 378.89 | 7.92 | 7.66 | 15.68 | 9.96% | 7.8 | 45.99 | 30.75 | 9.97 | 2.07 | 2.38% | 14.54 | 18.6% |
| MAX | 5,894 | 13.03 | 1.28% | 0.03 | 0.15 | 484.74 | 379.35% | 14.4 | 82.49 | 91.55 | 999.25 | 8.9 | 9.37 | 36.69 | 23.93% | 17.78 | 209.38 | 156.72 | 47.77 | 3.72 | 4.02% | 38.32 | 41.45% |
| MIN | 710.9 | -98.99 | -10.76% | 0 | 0.06 | 131.53 | 25.3% | 2.27 | 4.37 | 6.03 | 161.78 | 1.37 | 4.79 | 2.74 | 2.32% | 3.55 | 19.06 | 18.6 | 6.63 | 0.36 | 0.4% | 2.76 | 3.33% |