Nerude Mirmire Laghubitta Bittiya Sanstha Limited (NMLBBL) Share Price & Fundamentals

Nerude Mirmire (NMLBBL) share price is Rs. 496.00, down 0.16% on 2026-10-12. Open Rs. 483.00. High Rs. 496.00. Low Rs. 482.00. Volume 2,091.

Nerude Mirmire Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (NMLBBL), Microfinance sector. Revenue: Rs. 167.56 Crore. Net loss: Rs. 18.25 Crore. Net worth: Rs. 247.47 Crore.

About Nerude Mirmire Laghubitta Bittiya Sanstha Limited

Nerude Mirmire Laghubitta Bittiya Sanstha Limited (NMLBBL) is a national-level "D"-class microfinance institution formed through the merger of Nerude Laghubitta Bittiya Sanstha Limited (Biratnagar, Morang) and Mirmire Laghubitta Bittiya Sanstha Limited (Banepa, Kavre); the merger agreement was signed in December 2022 and joint operations began in March 2024 on a 1:1 share swap. The merged entity's central office is in Banepa, Kavrepalanchok, with a corporate office in Lokanthali, Bhaktapur. It operates through 225 branch offices serving low-income families across Nepal. Its shares have traded on NEPSE since August 2010 (under the original Nerude listing).

Nerude Mirmire Laghubitta Bittiya Sanstha Limited (NMLBBL) has 1,39,77,643 shares outstanding. It listed on NEPSE in 2010.

NMLBBL key metrics

NMLBBL strengths

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

• Makes 6.9% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
• 85.7% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
• Bad-loan charges come to 9.8% of income, so borrowers are paying back well. (Asset Quality)
• 11.7% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
• 14% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
• Owns 8.54x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)

NMLBBL 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 -7.4%, below what owners would hope for. (Profitability)
• Return on everything it owns is -0.9%, so its assets are not producing much. (Profitability)
• Only 34.6% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
• Income from lending moved -10.7%, so the core business is not growing. (Growth)
• The loan book moved -3%, so lending is not expanding. (Growth)
• Each share produced Rs 16.88 over the year. (Shareholder Returns)
• Net profit margin is 15.6%, less than most lenders keep once every cost is paid. (Profitability)
• Total income moved -9.9% on last year. (Growth)
• Staff costs take 54.5% of income, a heavy load on earnings. (Efficiency)
• Loans are 92.3% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
• Operating margin is 21.4%, so running costs take too much of what core banking earns. (Profitability)
• 58.1% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
• The bank's size moved -0.6% over the year. (Shareholder Returns)
• Deposits moved 5.2%, so its cheapest source of funding is not growing. (Growth)
• Each share is backed by only Rs 177.05 of net worth. (Shareholder Returns)

NMLBBL Q3 2082/83 results

In Q3 2082/83 Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported a loss of Rs. 82.47 crore and total operating income of Rs. 27.51 crore. Profit in Q2 2082/83 was Rs. 2.28 crore. Profit turned from a profit to a loss on the previous quarter. Total operating income fell 17.32% on the previous quarter.

NMLBBL annual results 2081/82

For the financial year 2081/82 Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported a net loss of Rs. 18.25 crore, total operating income of Rs. 167.56 crore and net worth of Rs. 247.47 crore. Net profit in 2080/81 was Rs. 30.19 crore. Net profit turned from a profit to a loss on the year. Total operating income grew 44.67% on the year.

NMLBBL profit and loss for 2081/82

In the financial year 2081/82, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 144.88 crore, net fee and commission income of Rs. 22.68 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 167.56 crore, impairment charge/(reversal) of Rs. 94.24 crore, net operating income of Rs. 73.33 crore, operating expenses of Rs. 93.43 crore, operating profit of Rs. 20.11 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 20.11 crore, income tax expense of Rs. 1.85 crore and profit for the year of Rs. 18.25 crore.

Reported under net interest income: interest income of Rs. 282.66 crore and interest expense of Rs. 137.78 crore. Reported under net fee and commission income: fee and commission income of Rs. 23.4 crore and fee and commission expense of Rs. 0.72 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 72.42 crore, other operating expenses of Rs. 15.4 crore and depreciation & amortisation of Rs. 5.61 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 crore and deferred tax of Rs. 1.85 crore.

NMLBBL profit and loss for 2080/81

In the financial year 2080/81, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 91.17 crore, net fee and commission income of Rs. 24.65 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 115.82 crore, impairment charge/(reversal) of Rs. 3.97 crore, net operating income of Rs. 111.86 crore, operating expenses of Rs. 72.1 crore, operating profit of Rs. 39.75 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 39.75 crore, income tax expense of Rs. 9.56 crore and profit for the year of Rs. 30.19 crore.

Reported under net interest income: interest income of Rs. 206.31 crore and interest expense of Rs. 115.14 crore. Reported under net fee and commission income: fee and commission income of Rs. 25.66 crore and fee and commission expense of Rs. 1 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 56.6 crore, other operating expenses of Rs. 10.68 crore and depreciation & amortisation of Rs. 4.82 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. 14.99 crore and deferred tax of Rs. 5.44 crore.

NMLBBL profit and loss for 2079/80

In the financial year 2079/80, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 43.56 crore, net fee and commission income of Rs. 16.68 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 60.24 crore, impairment charge/(reversal) of Rs. 0.78 crore, net operating income of Rs. 59.46 crore, operating expenses of Rs. 49.07 crore, operating profit of Rs. 10.39 crore, non-operating income/(expense) of Rs. 0.34 crore, profit before income tax of Rs. 10.05 crore, income tax expense of Rs. 5.09 crore and profit for the year of Rs. 4.97 crore.

Reported under net interest income: interest income of Rs. 142.05 crore and interest expense of Rs. 98.5 crore. Reported under net fee and commission income: fee and commission income of Rs. 18.08 crore and fee and commission expense of Rs. 1.39 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 38.33 crore, other operating expenses of Rs. 7.79 crore and depreciation & amortisation of Rs. 2.95 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0.34 crore. Reported under income tax expense: current tax of Rs. 6.02 crore and deferred tax of Rs. 0.93 crore.

NMLBBL balance sheet for 2081/82

In the financial year 2081/82, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 2,113.85 crore, total liabilities of Rs. 1,866.38 crore and total equity of Rs. 247.47 crore.

Reported under total assets: cash and cash equivalents of Rs. 59.41 crore, due from nepal rastra bank of Rs. 9.16 crore, placement with banks and fis of Rs. 21.5 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. 1,951.47 crore, investment securities of Rs. 0.35 crore, current tax assets of Rs. 18.73 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. 34.39 crore, goodwill and intangible assets of Rs. 3.02 crore, deferred tax assets of Rs. 10.42 crore and other assets of Rs. 5.4 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. 645.99 crore, borrowings of Rs. 1,085.22 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 135.17 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 139.78 crore, share premium of Rs. 0 crore, retained earnings of Rs. 26.55 crore, reserves of Rs. 134.25 crore and non controlling interest of Rs. 0 crore.

NMLBBL balance sheet for 2080/81

In the financial year 2080/81, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 2,127.11 crore, total liabilities of Rs. 1,863.04 crore and total equity of Rs. 264.07 crore.

Reported under total assets: cash and cash equivalents of Rs. 33.56 crore, due from nepal rastra bank of Rs. 8.89 crore, placement with banks and fis of Rs. 21.5 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. 2,012.2 crore, investment securities of Rs. 0.35 crore, current tax assets of Rs. 1.37 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. 32.87 crore, goodwill and intangible assets of Rs. 3.08 crore, deferred tax assets of Rs. 9.47 crore and other assets of Rs. 3.81 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. 614.13 crore, borrowings of Rs. 1,102.85 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 146.06 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 139.78 crore, share premium of Rs. 0 crore, retained earnings of Rs. 4.65 crore, reserves of Rs. 128.94 crore and non controlling interest of Rs. 0 crore.

NMLBBL balance sheet for 2079/80

In the financial year 2079/80, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 1,068.86 crore, total liabilities of Rs. 939.06 crore and total equity of Rs. 129.81 crore.

Reported under total assets: cash and cash equivalents of Rs. 21.18 crore, due from nepal rastra bank of Rs. 4.6 crore, placement with banks and fis of Rs. 16 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. 1,006.88 crore, investment securities of Rs. 0.2 crore, current tax assets of Rs. 1.86 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. 11.65 crore, goodwill and intangible assets of Rs. 0 crore, deferred tax assets of Rs. 4.29 crore and other assets of Rs. 2.21 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. 346.63 crore, borrowings of Rs. 485.93 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 106.49 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 73.2 crore, share premium of Rs. 0 crore, retained earnings of Rs. 8.13 crore, reserves of Rs. 64.74 crore and non controlling interest of Rs. 0 crore.

NMLBBL cash flow for 2081/82

In the financial year 2081/82, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 129.32 crore, net cash flow from investing activities (b) of Rs. 7.13 crore, net cash flow from financing activities (c) of Rs. 96.34 crore, net increase/(decrease) in cash and cash equivalents of Rs. 25.85 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 33.56 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. 59.41 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 277.83 crore, fees and other income received of Rs. 23.4 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 137.78 crore, commission and fees paid of Rs. 0.72 crore, cash payment to employees of Rs. 72.42 crore, other expense paid of Rs. 15.4 crore, operating cash flows before changes in operating assets and liabilities of Rs. 74.91 crore, due from nepal rastra bank of Rs. 0.27 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. 65.56 crore, other assets of Rs. 1.28 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. 31.86 crore, borrowings of Rs. 17.63 crore, other liabilities of Rs. 10.89 crore, net cash flow from operating activities before tax paid of Rs. 144.82 crore and income taxes paid of Rs. 15.5 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. 7.13 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. 96.34 crore.

NMLBBL cash flow for 2080/81

In the financial year 2080/81, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 47.15 crore, net cash flow from investing activities (b) of Rs. 26.2 crore, net cash flow from financing activities (c) of Rs. 85.72 crore, net increase/(decrease) in cash and cash equivalents of Rs. 12.38 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 21.18 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. 33.56 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 190.39 crore, fees and other income received of Rs. 25.66 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 115.14 crore, commission and fees paid of Rs. 1 crore, cash payment to employees of Rs. 56.6 crore, other expense paid of Rs. 10.68 crore, operating cash flows before changes in operating assets and liabilities of Rs. 32.63 crore, due from nepal rastra bank of Rs. 4.29 crore, placement with banks and financial institutions of Rs. 5.5 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. 989.41 crore, other assets of Rs. 4.52 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. 267.49 crore, borrowings of Rs. 616.92 crore, other liabilities of Rs. 39.57 crore, net cash flow from operating activities before tax paid of Rs. 38.08 crore and income taxes paid of Rs. 9.07 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0.15 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 26.05 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. 66.58 crore, dividends paid of Rs. 0 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 19.15 crore.

NMLBBL cash flow for 2079/80

In the financial year 2079/80, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 19.94 crore, net cash flow from investing activities (b) of Rs. 1.67 crore, net cash flow from financing activities (c) of Rs. 1.84 crore, net increase/(decrease) in cash and cash equivalents of Rs. 19.76 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 40.94 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. 21.18 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 142.05 crore, fees and other income received of Rs. 18.08 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 98.5 crore, commission and fees paid of Rs. 1.39 crore, cash payment to employees of Rs. 38.33 crore, other expense paid of Rs. 8.13 crore, operating cash flows before changes in operating assets and liabilities of Rs. 13.78 crore, due from nepal rastra bank of Rs. 0 crore, placement with banks and financial institutions of Rs. 3 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. 15.15 crore, other assets of Rs. 0.06 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. 25.8 crore, borrowings of Rs. 34.76 crore, other liabilities of Rs. 7.82 crore, net cash flow from operating activities before tax paid of Rs. 15.09 crore and income taxes paid of Rs. 4.85 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. 1.68 crore, receipt from sale of property and equipment of Rs. 0.01 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. 13.2 crore, dividends paid of Rs. 13.2 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 1.84 crore.

NMLBBL quarterly for Q3 2082/83

In the quarter Q3 2082/83, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 21.72 crore, net fee and commission income of Rs. 5.29 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.5 crore, total operating income of Rs. 27.51 crore, impairment charge/(reversal) of Rs. 95.68 crore, net operating income of Rs. 68.17 crore, operating expenses of Rs. 18.67 crore, operating profit of Rs. 86.84 crore, non-operating income/(expense) of Rs. 1.02 crore, profit before income tax of Rs. 85.82 crore, income tax expense of Rs. 3.35 crore and profit for the year of Rs. 82.47 crore.

Reported under net interest income: interest income of Rs. 50.94 crore and interest expense of Rs. 29.21 crore. Reported under net fee and commission income: fee and commission income of Rs. 5.31 crore and fee and commission expense of Rs. 0.02 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 15.97 crore, other operating expenses of Rs. 2.61 crore and depreciation & amortisation of Rs. 0.09 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.02 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 3.35 crore and deferred tax of Rs. 0 crore.

NMLBBL quarterly for Q2 2082/83

In the quarter Q2 2082/83, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 27.78 crore, net fee and commission income of Rs. 5.5 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 33.28 crore, impairment charge/(reversal) of Rs. 4.93 crore, net operating income of Rs. 28.35 crore, operating expenses of Rs. 25.1 crore, operating profit of Rs. 3.25 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 3.25 crore, income tax expense of Rs. 0.98 crore and profit for the year of Rs. 2.28 crore.

Reported under net interest income: interest income of Rs. 55.81 crore and interest expense of Rs. 28.03 crore. Reported under net fee and commission income: fee and commission income of Rs. 5.56 crore and fee and commission expense of Rs. 0.06 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 20.37 crore, other operating expenses of Rs. 4.47 crore and depreciation & amortisation of Rs. 0.26 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. 0.98 crore and deferred tax of Rs. 0 crore.

NMLBBL quarterly for Q1 2082/83

In the quarter Q1 2082/83, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 40.33 crore, net fee and commission income of Rs. 3.77 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 44.1 crore, impairment charge/(reversal) of Rs. 8.84 crore, net operating income of Rs. 35.26 crore, operating expenses of Rs. 27.66 crore, operating profit of Rs. 7.6 crore, non-operating income/(expense) of Rs. 0.31 crore, profit before income tax of Rs. 7.91 crore, income tax expense of Rs. 2.37 crore and profit for the year of Rs. 5.54 crore.

Reported under net interest income: interest income of Rs. 71.5 crore and interest expense of Rs. 31.17 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.79 crore and fee and commission expense of Rs. 0.02 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 22.82 crore, other operating expenses of Rs. 4.56 crore and depreciation & amortisation of Rs. 0.27 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.31 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 2.37 crore and deferred tax of Rs. 0 crore.

NMLBBL quarterly for Q4 2081/82

In the quarter Q4 2081/82, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 41.73 crore, net fee and commission income of Rs. 8.81 crore, net trading income of Rs. 0 crore, other operating income of Rs. 1.21 crore, total operating income of Rs. 51.76 crore, impairment charge/(reversal) of Rs. 2.49 crore, net operating income of Rs. 54.25 crore, operating expenses of Rs. 25.34 crore, operating profit of Rs. 28.92 crore, non-operating income/(expense) of Rs. 0.9 crore, profit before income tax of Rs. 28.02 crore, income tax expense of Rs. 8.4 crore and profit for the year of Rs. 19.61 crore.

Reported under net interest income: interest income of Rs. 73.45 crore and interest expense of Rs. 31.72 crore. Reported under net fee and commission income: fee and commission income of Rs. 8.81 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 19.6 crore, other operating expenses of Rs. 5.39 crore and depreciation & amortisation of Rs. 0.35 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.9 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 8.4 crore and deferred tax of Rs. 0 crore.

NMLBBL Profit & Loss

Values in Rs. Crore unless stated otherwise.

NMLBBL Balance Sheet

Values in Rs. Crore unless stated otherwise.

NMLBBL Cash Flow

Values in Rs. Crore unless stated otherwise.

NMLBBL Quarterly Results

Values in Rs. Crore unless stated otherwise.

Nerude Mirmire share price history

Over the last 15 trading sessions NMLBBL closed between Rs. 490.00 and Rs. 516.00, finishing at Rs. 496.00 on 2026-10-12 against Rs. 506.00 on 2026-09-18.

NMLBBL share price by year

2026, between Rs. 468.40 and Rs. 694.90, 2025, between Rs. 600.00 and Rs. 807.00 and 2024, between Rs. 599.60 and Rs. 988.00.

Nerude Mirmire share price returns

At Rs. 496.00 on 2026-10-12, NMLBBL is up 0.79% over 1 week, down 0.20% over 1 month, down 5.70% over 3 months, down 22.62% over 6 months and down 18.95% over 1 year. Each return compares that close with the last close on or before the same date in the earlier period.

NMLBBL floorsheet for 2026-10-12

NMLBBL traded 25 times on 2026-10-12, moving 2,091 shares for Rs. 0.1 crore of turnover. Trades went through between Rs. 482.00 and Rs. 496.00.

Largest buyers by volume: broker 21, Midas Stock Broking Company Pvt. Limited on 681 shares across 8 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 654 shares across 5 trades, broker 60, Nagarik Stock Dealer Company Ltd. on 254 shares across 2 trades, broker 26, Asian Securities Pvt. Limited on 230 shares across 6 trades, broker 43, South Asian Bulls Pvt.Limited on 200 shares across 1 trades, broker 45, Imperial Securities Co. Limited on 50 shares across 1 trades, broker 22, Siprabi Securities Pvt. Limited on 12 shares across 1 trades and broker 17, ABC Securities Pvt. Limited on 10 shares across 1 trades.

Largest sellers by volume: broker 45, Imperial Securities Co. Limited on 544 shares across 6 trades, broker 14, Nepal Stock House Pvt. Limited on 250 shares across 3 trades, broker 47, Neev Securities Pvt.Ltd on 245 shares across 2 trades, broker 51, Oxford Securities Pvt.Ltd on 237 shares across 2 trades, broker 58, Naasa Securities Co. Ltd. on 200 shares across 1 trades, broker 22, Siprabi Securities Pvt. Limited on 181 shares across 2 trades, broker 17, ABC Securities Pvt. Limited on 150 shares across 1 trades, broker 54, Sewa Securities Pvt. Ltd. on 95 shares across 2 trades, broker 36, Secured Securities Limited on 94 shares across 1 trades and broker 26, Asian Securities Pvt. Limited on 50 shares across 1 trades.

NMLBBL dividend history: bonus shares and cash dividend

Nerude Mirmire Laghubitta Bittiya Sanstha Limited most recently declared a 22% bonus share issue for 2078/2079, announced on 2023-01-16. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2078/2079 Nerude Mirmire Laghubitta Bittiya Sanstha Limited declared a 22% bonus share issue, announced on 2023-01-16.

NMLBBL general meetings

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

• 19th AGM for 2081/2082: on 2026-07-26, at White Palace Banquet, Kaushaltar, Madhyapur Thimi-03, Kaushaltar (11:00 AM)
• 19th AGM for 2081/2082: on 2026-07-16
• 18th AGM for 2080/2081: on 2025-05-19, at Hotel Sarathi, Dhulikhel Municipality Ward No.8, Dhulikhel, Kavrepalanchowk (11:00 AM)

3 years of annual statements and 4 quarters of results for NMLBBL, with charts and peer comparison, are free on NepView.

New to these statements? How to read a profit and loss statement, How to read a balance sheet, How to read a cash flow statement, How to read quarterly results.

Other Microfinance companies on NEPSE

• 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
• Aarambha Chautari Laghubitta Bittiya Sanstha Limited (ACLBSL) share price
• Asha Laghubitta Bittiya Sanstha Ltd (ALBSL) share price

All microfinance companies on NEPSE

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