Mahuli Laghubitta Bittiya Sanstha Limited (MSLB) Share Price & Fundamentals

Mahuli (MSLB) share price is Rs. 1,212.00, up 0.17% on 2026-09-22. Open Rs. 1,244.00. High Rs. 1,244.00. Low Rs. 1,204.10. Volume 435.

Mahuli Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (MSLB), Microfinance sector. Revenue: Rs. 53.85 Crore. Net profit: Rs. 19.33 Crore. Net worth: Rs. 69.81 Crore.

About Mahuli Laghubitta Bittiya Sanstha Limited

Mahuli Laghubitta Bittiya Sanstha Limited is a "D" class national-level microfinance financial institution licensed by Nepal Rastra Bank, registered at Agnisair Krishnasavaran-6, Mahuli, Saptari. No subsidiary, associate or non-controlling interest appears anywhere in the file - the audited statements show a blank "Non Controlling Interest" line and Total Equity equals Total Equity Attributable to Equity Holders in every year. All figures are entity figures in the "Bank" column; "Consolidated" columns are blank. SOURCE: MSLB.pdf, 18 pages - the richest of the microfinance files processed. Pages 4-7 are text-layer quarterly reports; pages 9-14 are audited annuals with a usable text layer; pages 1-3, 8 and 15-18 are images. The FY2079/80 audited report prints THREE columns (current, previous, restated), which is why six annual years are recoverable. Read "Notes & Audit" before use - two quarters are unverified and FY2077/78 exists on two bases.

Mahuli Laghubitta Bittiya Sanstha Limited (MSLB) has 38,74,949 shares outstanding. Its most recent declared dividend was 0.25% on face value.

MSLB key metrics

Market Cap	Rs. 469.64 Crore
P/E Ratio	276.13
P/E Ratio (TTM)	24.30
EPS	Rs. 4.39
EPS (TTM)	Rs. 49.88
Book Value	Rs. 180.15
Dividend Yield	0.02%
Face Value	Rs. 100.00
52 Week High	Rs. 1,559.90
52 Week Low	Rs. 1,089.90

MSLB strengths

What Mahuli Laghubitta Bittiya Sanstha Limited's own accounts show in its favour, graded against the rest of its sector.

Makes 6.3% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
Profit grew 1036.4% on last year. (Growth)
Bad-loan charges come to 1.5% of income, so borrowers are paying back well. (Asset Quality)
Income from lending grew 39.7% on last year, so the core business is expanding. (Growth)
12.3% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
Each share earned Rs 49.88 of profit over the year. (Shareholder Returns)
Turns 35.9% of its income into profit once every cost is paid. (Profitability)
92.4% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
Total income grew 36.3% on last year. (Growth)
Keeps 51.3% of income as profit from everyday banking, before tax. (Profitability)
Owns 8.15x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
Each share is backed by Rs 180.15 of the bank's own net worth. (Shareholder Returns)
The bank grew 14.8% bigger over the year. (Shareholder Returns)

MSLB weaknesses

What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.

Return on shareholders' money is 2.4%, below what owners would hope for. (Profitability)
Return on everything it owns is 0.3%, so its assets are not producing much. (Profitability)
Only 36.7% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
Staff costs take 37.4% of income, a heavy load on earnings. (Efficiency)
Loans are 89.9% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
Only 7.6% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
58.3% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
The loan book moved 11.7%, so lending is not expanding. (Growth)
Deposits moved 11.2%, so its cheapest source of funding is not growing. (Growth)

MSLB Q4 2082/83 results

In Q4 2082/83 Mahuli Laghubitta Bittiya Sanstha Limited reported profit of Rs. 7.05 crore and total operating income of Rs. 14.19 crore. Profit in Q3 2082/83 was Rs. 5.28 crore. Profit grew 33.48% on the previous quarter. Total operating income fell 4.16% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 7.4 crore. Profit fell 4.74% on the same quarter last year. Total operating income grew 11.52% on the same quarter last year.

MSLB annual results 2082/83

For the financial year 2082/83 Mahuli Laghubitta Bittiya Sanstha Limited reported net profit of Rs. 19.33 crore, total operating income of Rs. 53.85 crore and net worth of Rs. 69.81 crore. Net profit in 2081/82 was Rs. 1.7 crore. Total operating income grew 36.28% on the year.

MSLB profit and loss for 2082/83

In the financial year 2082/83, Mahuli Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 49.74 crore, net fee and commission income of Rs. 4.11 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 53.85 crore, impairment charge/(reversal) of Rs. 0.81 crore, net operating income of Rs. 53.05 crore, operating expenses of Rs. 25.44 crore, operating profit of Rs. 27.61 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 27.61 crore, income tax expense of Rs. 8.28 crore and profit for the year of Rs. 19.33 crore.

Reported under net interest income: interest income of Rs. 84.24 crore and interest expense of Rs. 34.5 crore. Reported under net fee and commission income: fee and commission income of Rs. 6.41 crore and fee and commission expense of Rs. 2.3 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 20.14 crore, other operating expenses of Rs. 3.78 crore and depreciation & amortisation of Rs. 1.51 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 8.28 crore and deferred tax of Rs. 0 crore.

MSLB profit and loss for 2081/82

In the financial year 2081/82, Mahuli Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 35.6 crore, net fee and commission income of Rs. 3.92 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 39.52 crore, impairment charge/(reversal) of Rs. 13.14 crore, net operating income of Rs. 26.38 crore, operating expenses of Rs. 24.15 crore, operating profit of Rs. 2.24 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 2.24 crore, income tax expense of Rs. 0.53 crore and profit for the year of Rs. 1.7 crore.

Reported under net interest income: interest income of Rs. 70.98 crore and interest expense of Rs. 35.38 crore. Reported under net fee and commission income: fee and commission income of Rs. 5.44 crore and fee and commission expense of Rs. 1.52 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 17.79 crore, other operating expenses of Rs. 4.4 crore and depreciation & amortisation of Rs. 1.96 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 3.87 crore and deferred tax of Rs. 3.34 crore.

MSLB profit and loss for 2080/81

In the financial year 2080/81, Mahuli Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 25.68 crore, net fee and commission income of Rs. 5.11 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 30.79 crore, impairment charge/(reversal) of Rs. 3.77 crore, net operating income of Rs. 27.02 crore, operating expenses of Rs. 22.1 crore, operating profit of Rs. 4.92 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 4.92 crore, income tax expense of Rs. 1.7 crore and profit for the year of Rs. 3.22 crore.

Reported under net interest income: interest income of Rs. 63.17 crore and interest expense of Rs. 37.49 crore. Reported under net fee and commission income: fee and commission income of Rs. 5.42 crore and fee and commission expense of Rs. 0.31 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 17.67 crore, other operating expenses of Rs. 3.3 crore and depreciation & amortisation of Rs. 1.13 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 1.81 crore and deferred tax of Rs. 0.1 crore.

MSLB balance sheet for 2081/82

In the financial year 2081/82, Mahuli Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 569 crore, total liabilities of Rs. 499.2 crore and total equity of Rs. 69.81 crore.

Reported under total assets: cash and cash equivalents of Rs. 41.9 crore, due from nepal rastra bank of Rs. 2.4 crore, placement with banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 511.7 crore, investment securities of Rs. 0.1 crore, current tax assets of Rs. 0.59 crore, property and equipment of Rs. 3.01 crore, goodwill and intangible assets of Rs. 0.07 crore, deferred tax assets of Rs. 5.44 crore and other assets of Rs. 3.8 crore. Reported under total liabilities: deposits from customers of Rs. 183.02 crore, borrowings of Rs. 291.01 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0.89 crore and other liabilities of Rs. 24.27 crore. Reported under total equity: share capital of Rs. 36.99 crore, retained earnings of Rs. 4.77 crore and reserves of Rs. 28.04 crore.

MSLB balance sheet for 2080/81

In the financial year 2080/81, Mahuli Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 495.51 crore, total liabilities of Rs. 432.04 crore and total equity of Rs. 63.47 crore.

Reported under total assets: cash and cash equivalents of Rs. 25.24 crore, due from nepal rastra bank of Rs. 2.25 crore, placement with banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 458.24 crore, investment securities of Rs. 0.1 crore, current tax assets of Rs. 1.57 crore, property and equipment of Rs. 2.97 crore, goodwill and intangible assets of Rs. 0.08 crore, deferred tax assets of Rs. 2.22 crore and other assets of Rs. 2.84 crore. Reported under total liabilities: deposits from customers of Rs. 164.55 crore, borrowings of Rs. 242.01 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0.82 crore and other liabilities of Rs. 24.66 crore. Reported under total equity: share capital of Rs. 32.24 crore, retained earnings of Rs. 2.65 crore and reserves of Rs. 28.58 crore.

MSLB balance sheet for 2079/80

In the financial year 2079/80, Mahuli Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 447.24 crore, total liabilities of Rs. 386.72 crore and total equity of Rs. 60.53 crore.

Reported under total assets: cash and cash equivalents of Rs. 29.68 crore, due from nepal rastra bank of Rs. 2.25 crore, placement with banks and fis of Rs. 16 crore, loans and advances to customers of Rs. 391.47 crore, investment securities of Rs. 0.1 crore, current tax assets of Rs. 0 crore, property and equipment of Rs. 2.9 crore, goodwill and intangible assets of Rs. 0.09 crore, deferred tax assets of Rs. 2.09 crore and other assets of Rs. 2.67 crore. Reported under total liabilities: deposits from customers of Rs. 160.18 crore, borrowings of Rs. 198.68 crore, current tax liabilities of Rs. 0.06 crore, provisions of Rs. 1.77 crore and other liabilities of Rs. 26.03 crore. Reported under total equity: share capital of Rs. 32.24 crore, retained earnings of Rs. 1.64 crore and reserves of Rs. 26.65 crore.

MSLB cash flow for 2081/82

In the financial year 2081/82, Mahuli Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 14.01 crore, net cash flow from investing activities (b) of Rs. 1.99 crore, net cash flow from financing activities (c) of Rs. 4.64 crore, net increase/(decrease) in cash and cash equivalents of Rs. 16.66 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 25.24 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 41.9 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 70.98 crore, fees and other income received of Rs. 5.44 crore, interest paid of Rs. 35.38 crore, commission and fees paid of Rs. 1.52 crore, cash payment to employees of Rs. 17.79 crore, other expense paid of Rs. 4.4 crore, operating cash flows before changes in operating assets and liabilities of Rs. 17.33 crore, due from nepal rastra bank of Rs. 0.15 crore, placement with banks and financial institutions of Rs. 0 crore, loan and advances to customers of Rs. 66.59 crore, other assets of Rs. 3.21 crore, deposit from customers of Rs. 18.47 crore, borrowings of Rs. 49 crore, other liabilities of Rs. 0.32 crore, net cash flow from operating activities before tax paid of Rs. 14.54 crore and income taxes paid of Rs. 0.53 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 1.96 crore and purchase of intangible assets of Rs. 0.03 crore. Reported under net cash flow from financing activities (c): receipt from issue of shares of Rs. 4.75 crore, dividends paid of Rs. 0 crore and other receipt/payment of Rs. 0.12 crore.

MSLB cash flow for 2080/81

In the financial year 2080/81, Mahuli Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 2.97 crore, net cash flow from investing activities (b) of Rs. 1.19 crore, net cash flow from financing activities (c) of Rs. 0.28 crore, net increase/(decrease) in cash and cash equivalents of Rs. 4.44 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 29.68 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 25.24 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 63.17 crore, fees and other income received of Rs. 5.42 crore, interest paid of Rs. 37.49 crore, commission and fees paid of Rs. 0.31 crore, cash payment to employees of Rs. 17.67 crore, other expense paid of Rs. 3.3 crore, operating cash flows before changes in operating assets and liabilities of Rs. 9.82 crore, due from nepal rastra bank of Rs. 0 crore, placement with banks and financial institutions of Rs. 16 crore, loan and advances to customers of Rs. 70.55 crore, other assets of Rs. 1.87 crore, deposit from customers of Rs. 4.37 crore, borrowings of Rs. 43.33 crore, other liabilities of Rs. 2.38 crore, net cash flow from operating activities before tax paid of Rs. 1.27 crore and income taxes paid of Rs. 1.7 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 1.17 crore and purchase of intangible assets of Rs. 0.02 crore. Reported under net cash flow from financing activities (c): receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 0 crore and other receipt/payment of Rs. 0.28 crore.

MSLB cash flow for 2079/80

In the financial year 2079/80, Mahuli Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 14.6 crore, net cash flow from investing activities (b) of Rs. 1.41 crore, net cash flow from financing activities (c) of Rs. 2.11 crore, net increase/(decrease) in cash and cash equivalents of Rs. 11.08 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 18.6 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 29.68 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 68.95 crore, fees and other income received of Rs. 6.94 crore, interest paid of Rs. 42.96 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 17.79 crore, other expense paid of Rs. 3.34 crore, operating cash flows before changes in operating assets and liabilities of Rs. 11.79 crore, due from nepal rastra bank of Rs. 0.2 crore, placement with banks and financial institutions of Rs. 16 crore, loan and advances to customers of Rs. 49.73 crore, other assets of Rs. 1.17 crore, deposit from customers of Rs. 3.88 crore, borrowings of Rs. 27.48 crore, other liabilities of Rs. 0.82 crore, net cash flow from operating activities before tax paid of Rs. 15.95 crore and income taxes paid of Rs. 1.35 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 0 crore and purchase of intangible assets of Rs. 0 crore. Reported under net cash flow from financing activities (c): receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 0.21 crore and other receipt/payment of Rs. 1.9 crore.

MSLB quarterly for Q4 2082/83

In the quarter Q4 2082/83, Mahuli Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 13.24 crore, net fee and commission income of Rs. 0.96 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 14.19 crore, impairment charge/(reversal) of Rs. 2.67 crore, net operating income of Rs. 16.87 crore, operating expenses of Rs. 6.8 crore, operating profit of Rs. 10.07 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 10.07 crore, income tax expense of Rs. 3.02 crore and profit for the year of Rs. 7.05 crore.

Reported under net interest income: interest income of Rs. 22.67 crore and interest expense of Rs. 9.43 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.62 crore and fee and commission expense of Rs. 0.66 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 5.26 crore, other operating expenses of Rs. 0.4 crore and depreciation & amortisation of Rs. 1.14 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 3.02 crore and deferred tax of Rs. 0 crore.

MSLB quarterly for Q3 2082/83

In the quarter Q3 2082/83, Mahuli Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 13.78 crore, net fee and commission income of Rs. 1.04 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 14.81 crore, impairment charge/(reversal) of Rs. 0.78 crore, net operating income of Rs. 14.04 crore, operating expenses of Rs. 6.49 crore, operating profit of Rs. 7.54 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 7.54 crore, income tax expense of Rs. 2.26 crore and profit for the year of Rs. 5.28 crore.

Reported under net interest income: interest income of Rs. 22.15 crore and interest expense of Rs. 8.38 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.6 crore and fee and commission expense of Rs. 0.57 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 5.22 crore, other operating expenses of Rs. 1.15 crore and depreciation & amortisation of Rs. 0.13 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 2.26 crore and deferred tax of Rs. 0 crore.

MSLB quarterly for Q2 2082/83

In the quarter Q2 2082/83, Mahuli Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 11.59 crore, net fee and commission income of Rs. 0.58 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 12.18 crore, impairment charge/(reversal) of Rs. 1.96 crore, net operating income of Rs. 10.22 crore, operating expenses of Rs. 5.14 crore, operating profit of Rs. 5.08 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 5.08 crore, income tax expense of Rs. 1.52 crore and profit for the year of Rs. 3.55 crore.

Reported under net interest income: interest income of Rs. 19.82 crore and interest expense of Rs. 8.23 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.65 crore and fee and commission expense of Rs. 1.07 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 4.34 crore, other operating expenses of Rs. 0.68 crore and depreciation & amortisation of Rs. 0.13 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 1.52 crore and deferred tax of Rs. 0 crore.

MSLB quarterly for Q1 2082/83

In the quarter Q1 2082/83, Mahuli Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 11.14 crore, net fee and commission income of Rs. 1.53 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 12.67 crore, impairment charge/(reversal) of Rs. 0.75 crore, net operating income of Rs. 11.92 crore, operating expenses of Rs. 7 crore, operating profit of Rs. 4.93 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 4.93 crore, income tax expense of Rs. 1.48 crore and profit for the year of Rs. 3.45 crore.

Reported under net interest income: interest income of Rs. 19.59 crore and interest expense of Rs. 8.46 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.54 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 5.33 crore, other operating expenses of Rs. 1.55 crore and depreciation & amortisation of Rs. 0.11 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 1.48 crore and deferred tax of Rs. 0 crore.

MSLB Profit & Loss

Values in Rs. Crore unless stated otherwise.

Particulars	2082/83	2081/82	2080/81	2079/80	2078/79
Net Interest Income	49.7	35.6	25.7	26.0	29.3
Interest Income	84.2	71.0	63.2	68.9	60.4
Interest Expense	-34.5	-35.4	-37.5	-43.0	-31.1
Net Fee and Commission Income	4.1	3.9	5.1	6.9	7.7
Fee and Commission Income	6.4	5.4	5.4	6.9	7.7
Fee and Commission Expense	-2.3	-1.5	-0.31	0.00	0.00
Net Trading Income	0.00	0.00	0.00	0.00	0.00
Other Operating Income	0.00	0.00	0.00	0.00	0.00
Total Operating Income	53.9	39.5	30.8	32.9	37.0
Impairment Charge/(Reversal)	-0.81	-13.1	-3.8	-4.7	-5.7
Net Operating Income	53.0	26.4	27.0	28.2	31.3
Operating Expenses	-25.4	-24.1	-22.1	-22.5	-20.7
Operating Expense - Personnel Expenses	-20.1	-17.8	-17.7	-17.8	-16.1
Other Operating Expenses	-3.8	-4.4	-3.3	-3.3	-3.1
Depreciation & Amortisation	-1.5	-2.0	-1.1	-1.3	-1.6
Operating Profit	27.6	2.2	4.9	5.8	10.6
Non-Operating Income/(Expense)	0.00	0.00	0.00	0.00	0.00
Non-Operating Income	0.00	0.00	0.00	0.00	0.00
Non-Operating Expense	0.00	0.00	0.00	0.00	0.00
Profit Before Income Tax	27.6	2.2	4.9	5.8	10.6
Income Tax Expense	-8.3	-0.53	-1.7	-1.4	-2.6
Current Tax	-8.3	-3.9	-1.8	-1.8	-3.0
Deferred Tax	0.00	3.3	0.10	0.49	0.43
Profit for the Year	19.3	1.7	3.2	4.4	8.0

MSLB Balance Sheet

Values in Rs. Crore unless stated otherwise.

Particulars	2081/82	2080/81	2079/80	2078/79	2077/78	2076/77
Total Assets	569	496	447	475	354	262
Cash and Cash Equivalents	41.9	25.2	29.7	18.6	22.5	0.24
Due from Nepal Rastra Bank	2.4	2.3	2.3	2.1	1.6	0.00
Placement with Banks and FIs	0.00	0.00	16.0	0.00	0.00	23.2
Loans and Advances to Customers	512	458	391	446	326	234
Investment Securities	0.10	0.10	0.10	0.10	0.10	0.10
Current Tax Assets	0.59	1.6	0.00	1.8	0.00	0.00
Property and Equipment	3.0	3.0	2.9	2.8	2.3	1.9
Goodwill and Intangible Assets	0.07	0.08	0.09	0.12	0.06	0.00
Deferred Tax Assets	5.4	2.2	2.1	1.4	1.0	0.00
Other Assets	3.8	2.8	2.7	2.8	0.75	2.9
Total Liabilities	499	432	387	417	303	231
Deposits from Customers	183	165	160	164	129	109
Borrowings	291	242	199	226	156	109
Current Tax Liabilities	0.00	0.00	0.06	0.00	0.56	0.00
Provisions	0.89	0.82	1.8	0.13	0.13	0.20
Other Liabilities	24.3	24.7	26.0	26.9	18.0	12.8
Total Equity	69.8	63.5	60.5	58.2	50.6	31.3
Share Capital	37.0	32.2	32.2	28.2	22.4	16.0
Retained Earnings	4.8	2.6	1.6	13.3	13.4	0.00
Reserves	28.0	28.6	26.6	16.7	14.8	15.4

MSLB Cash Flow

Values in Rs. Crore unless stated otherwise.

Particulars	2081/82	2080/81	2079/80	2078/79
Net Cash Flow from Operating Activities (A)	14.0	-3.0	14.6	-1.4
Interest Received	71.0	63.2	68.9	60.4
Fees and Other Income Received	5.4	5.4	6.9	7.7
Interest Paid	-35.4	-37.5	-43.0	-31.1
Commission and Fees Paid	-1.5	-0.31	0.00	0.00
Cash Payment to Employees	-17.8	-17.7	-17.8	-16.1
Other Expense Paid	-4.4	-3.3	-3.3	-3.1
Operating Cash Flows Before Changes in Operating Assets and Liabilities	17.3	9.8	11.8	17.8
Due from Nepal Rastra Bank	-0.15	0.00	-0.20	-0.41
Placement with Banks and Financial Institutions	0.00	16.0	-16.0	0.00
Loan and Advances to Customers	-66.6	-70.5	49.7	-126
Other Assets	-3.2	-1.9	1.2	-4.2
Deposit from Customers	18.5	4.4	-3.9	35.0
Borrowings	49.0	43.3	-27.5	70.5
Other Liabilities	-0.32	-2.4	0.82	8.4
Net Cash Flow from Operating Activities Before Tax Paid	14.5	-1.3	15.9	1.2
Income Taxes Paid	-0.53	-1.7	-1.4	-2.6
Net Cash Flow from Investing Activities (B)	-2.0	-1.2	-1.4	-2.2
Purchase of Property and Equipment	-2.0	-1.2	0.00	0.00
Purchase of Intangible Assets	-0.03	-0.02	0.00	-0.08
Net Cash Flow from Financing Activities (C)	4.6	-0.28	-2.1	-0.40
Receipt from Issue of Shares	4.8	0.00	0.00	0.00
Dividends Paid	0.00	0.00	-0.21	0.00
Other Receipt/Payment	-0.12	-0.28	-1.9	-0.40
Net Increase/(Decrease) in Cash and Cash Equivalents	16.7	-4.4	11.1	-3.9
Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year)	25.2	29.7	18.6	22.5
Effect of Exchange Rate Fluctuations on Cash and Cash Equivalents Held	0.00	0.00	0.00	0.00
Cash and Cash Equivalents at Ashadh End	41.9	25.2	29.7	18.6

MSLB Quarterly Results

Values in Rs. Crore unless stated otherwise.

Particulars	Q4 2082/83	Q3 2082/83	Q2 2082/83	Q1 2082/83	Q4 2081/82	Q3 2081/82	Q2 2081/82	Q1 2081/82	Q4 2080/81
Net Interest Income	13.2	13.8	11.6	11.1	10.9	9.3	8.0	8.4	8.1
Interest Income	22.7	22.2	19.8	19.6	20.0	17.6	16.5	17.7	17.7
Interest Expense	-9.4	-8.4	-8.2	-8.5	-9.1	-8.2	-8.5	-9.2	-9.6
Net Fee and Commission Income	0.96	1.0	0.58	1.5	1.8	1.4	1.3	0.78	0.97
Fee and Commission Income	1.6	1.6	1.7	1.5	1.9	1.4	1.4	0.78	0.97
Fee and Commission Expense	-0.66	-0.57	-1.1	-0.01	-0.07	-0.02	-0.11	0.00	0.00
Net Trading Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Operating Income	0.00	0.00	0.00	0.00	0.00	0.00	-0.00	0.00	0.37
Total Operating Income	14.2	14.8	12.2	12.7	12.7	10.7	9.3	9.2	9.4
Impairment Charge/(Reversal)	2.7	-0.78	-2.0	-0.75	4.3	-0.22	-2.8	-3.0	2.2
Net Operating Income	16.9	14.0	10.2	11.9	17.0	10.5	6.5	6.2	11.6
Operating Expenses	-6.8	-6.5	-5.1	-7.0	-6.4	-6.0	-5.2	-6.2	-6.4
Operating Expense - Personnel Expenses	-5.3	-5.2	-4.3	-5.3	-4.9	-4.4	-3.9	-4.8	-4.5
Other Operating Expenses	-0.40	-1.2	-0.68	-1.6	-1.0	-1.5	-1.2	-1.2	-1.8
Depreciation & Amortisation	-1.1	-0.13	-0.13	-0.11	-0.47	-0.13	-0.12	-0.11	-0.13
Operating Profit	10.1	7.5	5.1	4.9	10.6	4.5	1.2	0.06	5.3
Non-Operating Income/(Expense)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Non-Operating Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Non-Operating Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Income Tax	10.1	7.5	5.1	4.9	10.6	4.5	1.2	0.06	5.3
Income Tax Expense	-3.0	-2.3	-1.5	-1.5	-3.2	-1.4	-0.36	-0.02	-1.6
Current Tax	-3.0	-2.3	-1.5	-1.5	-3.2	-1.4	-0.36	-0.02	-1.6
Deferred Tax	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit for the Year	7.0	5.3	3.6	3.4	7.4	3.2	0.85	0.04	3.7

Mahuli share price history

Over the last 15 trading sessions MSLB closed between Rs. 1,172.10 and Rs. 1,225.00, finishing at Rs. 1,212.00 on 2026-09-22 against Rs. 1,224.00 on 2026-08-26.

Date	Open	High	Low	Close	Volume
2026-09-22	1,244.00	1,244.00	1,204.10	1,212.00	435
2026-09-18	1,195.00	1,220.00	1,185.10	1,209.90	1,215
2026-09-17	1,228.00	1,228.00	1,200.00	1,212.00	1,226
2026-09-16	1,200.00	1,229.70	1,182.00	1,186.00	1,554
2026-09-15	1,219.50	1,252.00	1,193.00	1,200.00	3,766
2026-09-14	1,166.20	1,201.00	1,166.20	1,184.00	1,757
2026-09-11	1,150.10	1,200.00	1,150.10	1,172.10	1,184
2026-09-10	1,175.10	1,184.90	1,175.00	1,184.90	205
2026-09-09	1,190.10	1,200.00	1,175.00	1,199.00	2,383
2026-09-07	1,197.00	1,265.00	1,162.00	1,225.00	6,586
2026-09-03	1,200.10	1,200.10	1,175.00	1,196.00	928
2026-09-02	1,200.00	1,219.00	1,161.10	1,210.00	753
2026-09-01	1,180.00	1,220.00	1,165.00	1,190.00	929
2026-08-31	1,191.00	1,214.00	1,191.00	1,200.00	390
2026-08-26	1,195.30	1,225.00	1,195.30	1,224.00	474

MSLB share price by year

2026, between Rs. 1,089.90 and Rs. 1,479.00, 2025, between Rs. 1,078.95 and Rs. 1,632.46, 2024, between Rs. 754.18 and Rs. 1,767.06, 2023, between Rs. 628.74 and Rs. 1,069.55, 2022, between Rs. 802.16 and Rs. 1,457.26 and 2021, between Rs. 829.50 and Rs. 1,730.30.

Year	Low (Rs.)	High (Rs.)	Sessions
2026	1,089.90	1,479.00	168
2025	1,078.95	1,632.46	225
2024	754.18	1,767.06	230
2023	628.74	1,069.55	222
2022	802.16	1,457.26	240
2021	829.50	1,730.30	239
2020	422.21	932.85	31
2019	377.63	726.71	229
2018	449.02	821.28	223
2017	290.13	867.58	23

Mahuli share price returns

At Rs. 1,212.00 on 2026-09-22, MSLB is up 1.00% over 1 week, down 1.78% over 1 month, down 1.55% over 3 months, down 12.17% over 6 months, down 11.85% over 1 year and down 4.81% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

Period	Return	From price (Rs.)	From date
1 week	+1.00%	1,200.00	2026-09-15
1 month	-1.78%	1,234.00	2026-08-21
3 months	-1.55%	1,231.10	2026-06-24
6 months	-12.17%	1,380.00	2026-03-26
1 year	-11.85%	1,374.99	2025-09-21
5 years	-4.81%	1,273.27	2021-09-23

MSLB floorsheet for 2026-09-22

MSLB traded 17 times on 2026-09-22, moving 235 shares for Rs. 0.03 crore of turnover. Trades went through between Rs. 1,204.10 and Rs. 1,244.00.

Largest buyers by volume: broker 35, Kohinoor Investment and Securities Pvt.Ltd on 85 shares across 8 trades, broker 21, Midas Stock Broking Company Pvt. Limited on 60 shares across 2 trades, broker 62, Capital Max Securities Limited on 50 shares across 3 trades, broker 58, Naasa Securities Co. Ltd. on 20 shares across 2 trades, broker 13, Thrive Brokerage House Pvt. Limited on 10 shares across 1 trades and broker 39, Sumeru Securities Pvt.Limited on 10 shares across 1 trades.

Largest sellers by volume: broker 49, Online Securities Limited on 50 shares across 1 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 30 shares across 1 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 20 shares across 2 trades, broker 58, Naasa Securities Co. Ltd. on 20 shares across 2 trades, broker 61, Bhole Ganesh Securities Limited on 15 shares across 1 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 10 shares across 1 trades, broker 21, Midas Stock Broking Company Pvt. Limited on 10 shares across 1 trades, broker 42, Sani Securities Company Limited on 10 shares across 1 trades, broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 10 shares across 1 trades and broker 52, Sundhara Securities Limited on 10 shares across 1 trades.

MSLB dividend history: bonus shares and cash dividend

Mahuli Laghubitta Bittiya Sanstha Limited most recently declared a 4.75% bonus share issue for 2081/2082, announced on 2025-12-23. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

Financial year	Bonus share	Announced
2081/2082	4.75%	2025-12-23
2078/2079	14.25%	2023-03-29
2077/2078	26%	2021-12-14

For 2081/2082 Mahuli Laghubitta Bittiya Sanstha Limited declared a 4.75% bonus share issue, announced on 2025-12-23.

For 2078/2079 Mahuli Laghubitta Bittiya Sanstha Limited declared a 14.25% bonus share issue, announced on 2023-03-29.

For 2077/2078 Mahuli Laghubitta Bittiya Sanstha Limited declared a 26% bonus share issue, announced on 2021-12-14.

MSLB general meetings

Annual and special general meetings Mahuli Laghubitta Bittiya Sanstha Limited has called. A dividend is declared by the board and approved at the AGM.

13th AGM for 2081/2082: on 2026-01-14, at Company's Central Office, Agnisair, Krishnasabaran-6, Mahuli, Saptari (11:00 AM)
12th AGM for 2080/2081: on 2025-03-07, at Company's Central Office, Agnisair, Krishnasabaran-6, Mahuli, Saptari (11:00 AM)
11th AGM for 2079/2080: on 2024-04-08, at Company's Central Office, Agnisair, Krishnasabaran-6, Mahuli, Saptari (11:00 AM)

6 years of annual statements and 9 quarters of results for MSLB, with charts and peer comparison, are free on NepView.

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