NMB Microfinance Bittiya Sanstha Ltd. (NMBMF) Share Price & Fundamentals

NMB Microfinance (NMBMF) share price is Rs. 590.00, down 0.62% on 2026-10-12. Open Rs. 593.00. High Rs. 593.00. Low Rs. 582.00. Volume 931.

NMB Microfinance Bittiya Sanstha Ltd. is a NEPSE-listed company (NMBMF), Microfinance sector. Revenue: Rs. 72.47 Crore. Net profit: Rs. 13.95 Crore. Net worth: Rs. 94.42 Crore.

About NMB Microfinance Bittiya Sanstha Ltd.

A national-level Class 'D' microfinance financial institution licensed by Nepal Rastra Bank, headquartered at Pokhara-8, Newroad, Kaski, and a subsidiary of NMB Bank Limited, which holds 51% of its shares. The institution operates 148 branches and sub-branches across 67 districts, serving members in remote mountain, hill and Terai communities with doorstep savings and microcredit services; membership grew from about 121,201 at the close of FY2080/81 to roughly 152,990 by the third quarter of FY2082/83. It emphasises technology in delivery, including Tablet Banking, M-Passbook, DPMS, LOM, SMS and mobile banking, and cites financial-literacy gaps, staff attrition, rural infrastructure limits and borrower multiple-banking as its principal operating challenges. After audited losses in FY2079/80 and FY2080/81, the institution returned to profit in FY2081/82 and reports materially stronger earnings through FY2082/83 to date, helped by a large impairment reversal and improving net interest income.

NMB Microfinance Bittiya Sanstha Ltd. (NMBMF) has 72,14,492 shares outstanding.

NMBMF key metrics

NMBMF strengths

What NMB Microfinance Bittiya Sanstha Ltd.'s own accounts show in its favour, graded against the rest of its sector.

• Makes 6.2% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
• Profit grew 844.9% on last year. (Growth)
• Income from lending grew 46.6% on last year, so the core business is expanding. (Growth)
• The loan book grew 25.5% on last year, so more money is being put to work. (Growth)
• 13.3% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
• 88.8% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
• Total income grew 45.6% on last year. (Growth)
• Owns 7.5x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
• The bank grew 20.9% bigger over the year. (Shareholder Returns)
• Customer deposits grew 17.6% on last year, giving it more cheap money to lend. (Growth)

NMBMF 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 1.6%, below what owners would hope for. (Profitability)
• Return on everything it owns is 0.2%, so its assets are not producing much. (Profitability)
• Only 25.5% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
• 15.1% of income is lost to loans going bad, which eats directly into profit. (Asset Quality)
• Staff costs take 42.7% of income, a heavy load on earnings. (Efficiency)
• Loans are 94.2% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
• Operating margin is 24.3%, so running costs take too much of what core banking earns. (Profitability)
• Each share is backed by only Rs 130.88 of net worth. (Shareholder Returns)
• 70.6% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
• Each share produced Rs 19.34 over the year. (Shareholder Returns)
• Net profit margin is 19.2%, less than most lenders keep once every cost is paid. (Profitability)
• Only 11.2% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)

NMBMF Q4 2082/83 results

In Q4 2082/83 NMB Microfinance Bittiya Sanstha Ltd. reported profit of Rs. 6.36 crore and total operating income of Rs. 22.85 crore. Profit in Q3 2082/83 was Rs. 5.21 crore. Profit grew 21.96% on the previous quarter. Total operating income grew 26.92% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 3.63 crore. Profit grew 75.04% on the same quarter last year. Total operating income grew 28.59% on the same quarter last year.

NMBMF annual results 2082/83

For the financial year 2082/83 NMB Microfinance Bittiya Sanstha Ltd. reported net profit of Rs. 13.95 crore, total operating income of Rs. 72.47 crore and net worth of Rs. 94.42 crore. Net profit in 2081/82 was Rs. 1.48 crore. Net profit grew 844.90% on the year. Total operating income grew 45.65% on the year.

NMBMF profit and loss for 2082/83

In the financial year 2082/83, NMB Microfinance Bittiya Sanstha Ltd. reported net interest income of Rs. 64.35 crore, net fee and commission income of Rs. 8.12 crore, total operating income of Rs. 72.47 crore, impairment charge/(reversal) of Rs. 10.98 crore, net operating income of Rs. 61.5 crore, operating expenses of Rs. 43.9 crore, operating profit of Rs. 17.59 crore, non-operating income/(expense) of Rs. 0.18 crore, profit before income tax of Rs. 17.78 crore, income tax expense of Rs. 3.83 crore and profit for the year of Rs. 13.95 crore.

Reported under net interest income: interest income of Rs. 103.47 crore and interest expense of Rs. 39.12 crore. Reported under net fee and commission income: fee and commission income of Rs. 8.13 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 30.95 crore, other operating expenses of Rs. 9.92 crore and depreciation & amortisation of Rs. 3.03 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.03 crore and non-operating expense of Rs. 0.16 crore. Reported under income tax expense: current tax of Rs. 3.97 crore and deferred tax of Rs. 0.15 crore.

NMBMF profit and loss for 2081/82

In the financial year 2081/82, NMB Microfinance Bittiya Sanstha Ltd. reported net interest income of Rs. 43.91 crore, net fee and commission income of Rs. 5.85 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 49.76 crore, impairment charge/(reversal) of Rs. 11.21 crore, net operating income of Rs. 38.54 crore, operating expenses of Rs. 38.48 crore, operating profit of Rs. 0.06 crore, non-operating income/(expense) of Rs. 0.37 crore, profit before income tax of Rs. 0.43 crore, income tax expense of Rs. 1.05 crore and profit for the year of Rs. 1.48 crore.

Reported under net interest income: interest income of Rs. 80.01 crore and interest expense of Rs. 36.1 crore. Reported under net fee and commission income: fee and commission income of Rs. 5.85 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 25.91 crore, other operating expenses of Rs. 9.41 crore and depreciation & amortisation of Rs. 3.16 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.37 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.22 crore and deferred tax of Rs. 1.27 crore.

NMBMF profit and loss for 2080/81

In the financial year 2080/81, NMB Microfinance Bittiya Sanstha Ltd. reported net interest income of Rs. 26.91 crore, net fee and commission income of Rs. 4.14 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 31.05 crore, impairment charge/(reversal) of Rs. 1.11 crore, net operating income of Rs. 29.94 crore, operating expenses of Rs. 35.27 crore, operating profit of Rs. 5.33 crore, non-operating income/(expense) of Rs. 0.4 crore, profit before income tax of Rs. 5.73 crore, income tax expense of Rs. 0.44 crore and profit for the year of Rs. 5.29 crore.

Reported under net interest income: interest income of Rs. 64.68 crore and interest expense of Rs. 37.77 crore. Reported under net fee and commission income: fee and commission income of Rs. 4.14 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 23.3 crore, other operating expenses of Rs. 8.92 crore and depreciation & amortisation of Rs. 3.04 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0.4 crore. Reported under income tax expense: current tax of Rs. 0 crore and deferred tax of Rs. 0.44 crore.

NMBMF balance sheet for 2081/82

In the financial year 2081/82, NMB Microfinance Bittiya Sanstha Ltd. reported total assets of Rs. 708.14 crore, total liabilities of Rs. 613.72 crore and total equity of Rs. 94.42 crore.

Reported under total assets: cash and cash equivalents of Rs. 22.18 crore, due from nepal rastra bank of Rs. 3 crore, placement with banks and fis of Rs. 4 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 666.99 crore, investment securities of Rs. 0.12 crore, current tax assets of Rs. 0.74 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0 crore, property and equipment of Rs. 8.09 crore, goodwill and intangible assets of Rs. 0.35 crore, deferred tax assets of Rs. 1.22 crore and other assets of Rs. 1.45 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 156.77 crore, borrowings of Rs. 433.45 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 23.49 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 72.14 crore, share premium of Rs. 7.3 crore, retained earnings of Rs. 6.05 crore, reserves of Rs. 21.03 crore and non controlling interest of Rs. 0 crore.

NMBMF balance sheet for 2080/81

In the financial year 2080/81, NMB Microfinance Bittiya Sanstha Ltd. reported total assets of Rs. 585.58 crore, total liabilities of Rs. 492.15 crore and total equity of Rs. 93.43 crore.

Reported under total assets: cash and cash equivalents of Rs. 35.19 crore, due from nepal rastra bank of Rs. 2.45 crore, placement with banks and fis of Rs. 4 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 531.61 crore, investment securities of Rs. 0.2 crore, current tax assets of Rs. 0.36 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0 crore, property and equipment of Rs. 10.35 crore, goodwill and intangible assets of Rs. 0.31 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 1.1 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 133.35 crore, borrowings of Rs. 339.08 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0.07 crore, other liabilities of Rs. 19.64 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 72.14 crore, share premium of Rs. 7.3 crore, retained earnings of Rs. 6.31 crore, reserves of Rs. 20.3 crore and non controlling interest of Rs. 0 crore.

NMBMF balance sheet for 2079/80

In the financial year 2079/80, NMB Microfinance Bittiya Sanstha Ltd. reported total assets of Rs. 540.17 crore, total liabilities of Rs. 440.49 crore and total equity of Rs. 99.68 crore.

Reported under total assets: cash and cash equivalents of Rs. 31.11 crore, due from nepal rastra bank of Rs. 2.7 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 486.8 crore, investment securities of Rs. 0.2 crore, current tax assets of Rs. 0.25 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0 crore, property and equipment of Rs. 8.15 crore, goodwill and intangible assets of Rs. 0.43 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 10.53 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 154.73 crore, borrowings of Rs. 268.57 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0.17 crore, deferred tax liabilities of Rs. 0.51 crore, other liabilities of Rs. 16.5 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 72.14 crore, share premium of Rs. 7.3 crore, retained earnings of Rs. 0.56 crore, reserves of Rs. 20.8 crore and non controlling interest of Rs. 0 crore.

NMBMF cash flow for 2081/82

In the financial year 2081/82, NMB Microfinance Bittiya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 12.06 crore, net cash flow from investing activities (b) of Rs. 0.95 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 13.01 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 35.19 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. 22.18 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 79.47 crore, fees and other income received of Rs. 6.41 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 36.1 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 25.4 crore, other expense paid of Rs. 9.42 crore, operating cash flows before changes in operating assets and liabilities of Rs. 14.95 crore, due from nepal rastra bank of Rs. 0.55 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 0 crore, loan and advances to customers of Rs. 146.09 crore, other assets of Rs. 0.34 crore, due to banks and financial institutions of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 23.43 crore, borrowings of Rs. 94.37 crore, other liabilities of Rs. 2.77 crore, net cash flow from operating activities before tax paid of Rs. 11.46 crore and income taxes paid of Rs. 0.6 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 0.41 crore, receipt from sale of property and equipment of Rs. 0.55 crore, purchase of intangible assets of Rs. 0 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 0 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

NMBMF cash flow for 2080/81

In the financial year 2080/81, NMB Microfinance Bittiya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 4.76 crore, net cash flow from investing activities (b) of Rs. 0.92 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 3.84 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 33.81 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. 35.19 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 65.83 crore, fees and other income received of Rs. 4.05 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 37.77 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 23.45 crore, other expense paid of Rs. 11.38 crore, operating cash flows before changes in operating assets and liabilities of Rs. 2.72 crore, due from nepal rastra bank of Rs. 0.25 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 0 crore, loan and advances to customers of Rs. 47.08 crore, other assets of Rs. 4.68 crore, due to banks and financial institutions of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 21.38 crore, borrowings of Rs. 70.51 crore, other liabilities of Rs. 1.72 crore, net cash flow from operating activities before tax paid of Rs. 5.97 crore and income taxes paid of Rs. 1.21 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 0.92 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 0 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

NMBMF cash flow for 2079/80

In the financial year 2079/80, NMB Microfinance Bittiya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 11.31 crore, net cash flow from investing activities (b) of Rs. 5.49 crore, net cash flow from financing activities (c) of Rs. 0.35 crore, net increase/(decrease) in cash and cash equivalents of Rs. 5.48 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 28.33 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. 31.11 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 78.58 crore, fees and other income received of Rs. 5.91 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 46.55 crore, commission and fees paid of Rs. 0.18 crore, cash payment to employees of Rs. 23.48 crore, other expense paid of Rs. 11.44 crore, operating cash flows before changes in operating assets and liabilities of Rs. 2.84 crore, due from nepal rastra bank of Rs. 0 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 0 crore, loan and advances to customers of Rs. 88.04 crore, other assets of Rs. 5.66 crore, due to banks and financial institutions of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 42.43 crore, borrowings of Rs. 31.81 crore, other liabilities of Rs. 0.85 crore, net cash flow from operating activities before tax paid of Rs. 11.83 crore and income taxes paid of Rs. 0.52 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 5 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 0.49 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 0.35 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

NMBMF quarterly for Q4 2082/83

In the quarter Q4 2082/83, NMB Microfinance Bittiya Sanstha Ltd. reported net interest income of Rs. 19.93 crore, net fee and commission income of Rs. 2.92 crore, total operating income of Rs. 22.85 crore, impairment charge/(reversal) of Rs. 2.91 crore, net operating income of Rs. 19.94 crore, operating expenses of Rs. 11.58 crore, operating profit of Rs. 8.36 crore, non-operating income/(expense) of Rs. 0.16 crore, profit before income tax of Rs. 8.53 crore, income tax expense of Rs. 2.17 crore and profit for the year of Rs. 6.36 crore.

Reported under net interest income: interest income of Rs. 30.94 crore and interest expense of Rs. 11.01 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.92 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 7.79 crore, other operating expenses of Rs. 3.04 crore and depreciation & amortisation of Rs. 0.75 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0.16 crore. Reported under income tax expense: current tax of Rs. 2.32 crore and deferred tax of Rs. 0.15 crore.

NMBMF quarterly for Q3 2082/83

In the quarter Q3 2082/83, NMB Microfinance Bittiya Sanstha Ltd. reported net interest income of Rs. 16.11 crore, net fee and commission income of Rs. 1.9 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 18 crore, impairment charge/(reversal) of Rs. 1.38 crore, net operating income of Rs. 16.62 crore, operating expenses of Rs. 10.79 crore, operating profit of Rs. 5.83 crore, non-operating income/(expense) of Rs. 0.02 crore, profit before income tax of Rs. 5.85 crore, income tax expense of Rs. 0.64 crore and profit for the year of Rs. 5.21 crore.

Reported under net interest income: interest income of Rs. 25.59 crore and interest expense of Rs. 9.48 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.9 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 7.79 crore, other operating expenses of Rs. 2.23 crore and depreciation & amortisation of Rs. 0.77 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.02 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.64 crore and deferred tax of Rs. 0 crore.

NMBMF quarterly for Q2 2082/83

In the quarter Q2 2082/83, NMB Microfinance Bittiya Sanstha Ltd. reported net interest income of Rs. 14.68 crore, net fee and commission income of Rs. 1.82 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 16.5 crore, impairment charge/(reversal) of Rs. 4.8 crore, net operating income of Rs. 11.7 crore, operating expenses of Rs. 10.12 crore, operating profit of Rs. 1.58 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 1.58 crore, income tax expense of Rs. 0.48 crore and profit for the year of Rs. 1.11 crore.

Reported under net interest income: interest income of Rs. 23.51 crore and interest expense of Rs. 8.82 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.82 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 7.06 crore, other operating expenses of Rs. 2.28 crore and depreciation & amortisation of Rs. 0.78 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. 0.48 crore and deferred tax of Rs. 0 crore.

NMBMF quarterly for Q1 2082/83

In the quarter Q1 2082/83, NMB Microfinance Bittiya Sanstha Ltd. reported net interest income of Rs. 13.63 crore, net fee and commission income of Rs. 1.49 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 15.12 crore, impairment charge/(reversal) of Rs. 1.89 crore, net operating income of Rs. 13.23 crore, operating expenses of Rs. 11.41 crore, operating profit of Rs. 1.82 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 1.82 crore, income tax expense of Rs. 0.55 crore and profit for the year of Rs. 1.27 crore.

Reported under net interest income: interest income of Rs. 23.44 crore and interest expense of Rs. 9.8 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.49 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 8.3 crore, other operating expenses of Rs. 2.37 crore and depreciation & amortisation of Rs. 0.74 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. 0.55 crore and deferred tax of Rs. 0 crore.

NMBMF Profit & Loss

Values in Rs. Crore unless stated otherwise.

NMBMF Balance Sheet

Values in Rs. Crore unless stated otherwise.

NMBMF Cash Flow

Values in Rs. Crore unless stated otherwise.

NMBMF Quarterly Results

Values in Rs. Crore unless stated otherwise.

NMB Microfinance share price history

Over the last 15 trading sessions NMBMF closed between Rs. 581.30 and Rs. 615.00, finishing at Rs. 590.00 on 2026-10-12 against Rs. 615.00 on 2026-09-18.

NMBMF share price by year

2026, between Rs. 570.00 and Rs. 748.90, 2025, between Rs. 596.00 and Rs. 876.00, 2024, between Rs. 480.00 and Rs. 918.00, 2023, between Rs. 463.60 and Rs. 754.55, 2022, between Rs. 572.73 and Rs. 1,127.27 and 2021, between Rs. 724.28 and Rs. 1,242.80.

NMB Microfinance share price returns

At Rs. 590.00 on 2026-10-12, NMBMF is up 1.50% over 1 week, up 2.59% over 1 month, down 1.65% over 3 months, down 12.20% over 6 months, down 9.23% over 1 year and down 41.63% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

NMBMF floorsheet for 2026-10-12

NMBMF traded 7 times on 2026-10-12, moving 931 shares for Rs. 0.05 crore of turnover. Trades went through between Rs. 582.00 and Rs. 593.00.

Largest buyers by volume: broker 77, Nabil Stock Dealer Limited on 781 shares across 4 trades, broker 32, Premier Securites Company Limited on 100 shares across 1 trades and broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 50 shares across 2 trades.

Largest sellers by volume: broker 47, Neev Securities Pvt.Ltd on 415 shares across 1 trades, broker 16, Primo Securities Pvt. Limited on 263 shares across 1 trades, broker 34, Vision Securities Pvt.Limited on 100 shares across 1 trades, broker 42, Sani Securities Company Limited on 65 shares across 1 trades, broker 22, Siprabi Securities Pvt. Limited on 38 shares across 1 trades, broker 45, Imperial Securities Co. Limited on 36 shares across 1 trades and broker 39, Sumeru Securities Pvt.Limited on 14 shares across 1 trades.

NMBMF dividend history: bonus shares and cash dividend

NMB Microfinance Bittiya Sanstha Ltd. most recently declared a 10% bonus share issue for 2078/2079, announced on 2023-03-20. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2078/2079 NMB Microfinance Bittiya Sanstha Ltd. declared a 10% bonus share issue, announced on 2023-03-20.

For 2077/2078 NMB Microfinance Bittiya Sanstha Ltd. declared a 21.5% bonus share issue, announced on 2021-12-10.

NMBMF general meetings

Annual and special general meetings NMB Microfinance Bittiya Sanstha Ltd. has called. A dividend is declared by the board and approved at the AGM.

• 13th AGM for 2081/2082: on 2026-04-08, at Hotel City Square Pvt.Ltd, Pokhara-8, New Road Kaski (10:00 AM)
• 12th AGM for 2080/2081: on 2025-07-16, at Hotel City Square Pvt.Ltd, Pokhara-8, New Road Kaski (9:00 AM)
• 11th AGM for 2079/2080: on 2024-07-05, at Hotel Barahi Pokhara Pvt.Ltd, Pokhara-6, Street no.13, (Barahi Chowk) Kaski (11:30 AM)

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

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• Nirdhan Utthan Laghubitta Bittiya Sanstha Limited (NUBL) share price
• RSDC Laghubitta Bittiya Sanstha Ltd. (RSDC) share price
• Shrijanshil Laghubitta Bittiya Sanstha Limited (SHLB) share price
• Sana Kisan Bikas Laghubitta Bittiya Sanstha Limited (SKBBL) share price
• Swarojgar Laghubitta Bittiya Sanstha Ltd. (SLBBL) share price
• Samudayik Laghubitta Bittiya Sanstha Limited (SLBSL) share price
• Samata Gharelu Laghubitta Bittiya Sanstha Limited (SMATA) share price
• Support Microfinance Bittiya Sanstha Ltd. (SMB) share price
• Swabhimaan Laghubitta Bittiya Sanstha Limited (SMFBS) share price
• Sampada Laghubitta Bittiya Sanstha Limited (SMPDA) share price
• Swastik Laghubitta Bittiya Sanstha Limited (SWASTIK) share price
• Swabalamban Laghubitta Bittiya Sanstha Limited (SWBBL) share price
• Suryodaya Womi Laghubitta Bittiya Sanstha Limited (SWMF) share price
• Upakar Laghubitta Bittiya Sanstha Limited (ULBSL) share price
• Unique Nepal Laghubitta Bittiya Sanstha Limited (UNLB) share price
• Unnati Sahakarya Laghubitta Bittiya Sanstha Limited (USLB) share price
• Vijaya laghubitta Bittiya Sanstha Ltd. (VLBS) share price
• Wean Nepal Laghubitta Bittiya Sanstha Limited (WNLB) share price

All microfinance companies on NEPSE

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