Nirdhan Utthan Laghubitta Bittiya Sanstha Limited (NUBL) Share Price & Fundamentals

Nirdhan Utthan (NUBL) share price is Rs. 600.00, unchanged on 2026-10-12. Open Rs. 599.90. High Rs. 600.00. Low Rs. 595.00. Volume 5,732.

Nirdhan Utthan Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (NUBL), Microfinance sector. Revenue: Rs. 283.2 Crore. Net profit: Rs. 100.26 Crore. Net worth: Rs. 591.05 Crore.

About Nirdhan Utthan Laghubitta Bittiya Sanstha Limited

Nirdhan Utthan Laghubitta Bittiya Sanstha Limited ("the bank for upliftment of the poor") is a national-level microfinance institution established in November 1998 and licensed by Nepal Rastra Bank in 1999. It grew out of the microfinance operations of the NGO "Nirdhan," which had been serving low-income households since 1991, and took over those operations as a company in 1999. NUBL delivers group-based (Grameen-model) and self-reliant-group lending, deposits, micro-insurance and remittance services to low-income families through a nationwide branch network covering all 77 districts of Nepal. Its shares have traded on NEPSE since 2003 under the "D" class microfinance category.

Nirdhan Utthan Laghubitta Bittiya Sanstha Limited (NUBL) has 2,74,26,837 shares outstanding. It listed on NEPSE in 2003. Its most recent declared dividend was 7.00% on face value.

NUBL key metrics

NUBL strengths

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

• Earns 3.6% a year on everything the bank owns, so its loans and investments are working well. (Profitability)
• Makes 6.8% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
• 21.1% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
• Owns 4.74x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
• 94.2% of its funding comes from customer deposits, which are cheap and stable. (Liquidity & Funding)
• Earns 17% a year on the money shareholders put in, which is the return owners actually receive. (Profitability)
• 83.8% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
• 14.7% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
• Each share is backed by Rs 215.5 of the bank's own net worth. (Shareholder Returns)

NUBL weaknesses

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

• Profit moved -65% on last year, so earnings are not building up. (Growth)
• 21.6% of income is lost to loans going bad, which eats directly into profit. (Asset Quality)
• Each share produced Rs 12.8 over the year. (Shareholder Returns)
• Income from lending moved -1.1%, so the core business is not growing. (Growth)
• Net profit margin is 15.6%, less than most lenders keep once every cost is paid. (Profitability)
• Total income moved -20.6% on last year. (Growth)
• Staff costs take 41.2% of income, a heavy load on earnings. (Efficiency)
• Loans are 87% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
• The loan book moved 1.1%, so lending is not expanding. (Growth)
• Deposits moved 3.2%, so its cheapest source of funding is not growing. (Growth)
• The bank's size moved -1% over the year. (Shareholder Returns)
• Operating margin is 31.3%, so running costs take too much of what core banking earns. (Profitability)
• 4.4% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)

NUBL Q3 2082/83 results

In Q3 2082/83 Nirdhan Utthan Laghubitta Bittiya Sanstha Limited reported profit of Rs. 3.53 crore and total operating income of Rs. 57.51 crore. Profit in Q2 2082/83 was a loss of Rs. 0.64 crore. Profit turned from a loss to a profit on the previous quarter. Total operating income grew 0.36% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was Rs. 34.46 crore. Profit fell 89.76% on the same quarter last year. Total operating income fell 29.16% on the same quarter last year.

NUBL annual results 2081/82

For the financial year 2081/82 Nirdhan Utthan Laghubitta Bittiya Sanstha Limited reported net profit of Rs. 100.26 crore, total operating income of Rs. 283.2 crore and net worth of Rs. 591.05 crore. Net profit in 2080/81 was Rs. 26.62 crore. Net profit grew 276.57% on the year. Total operating income grew 24.55% on the year.

NUBL profit and loss for 2081/82

In the financial year 2081/82, Nirdhan Utthan Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 190.55 crore, net fee and commission income of Rs. 92.34 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.32 crore, total operating income of Rs. 283.2 crore, impairment charge/(reversal) of Rs. 50.5 crore, net operating income of Rs. 232.7 crore, operating expenses of Rs. 115.12 crore, operating profit of Rs. 117.58 crore, non-operating income/(expense) of Rs. 0.42 crore, profit before income tax of Rs. 117.16 crore, income tax expense of Rs. 16.9 crore and profit for the year of Rs. 100.26 crore.

Reported under net interest income: interest income of Rs. 371.19 crore and interest expense of Rs. 180.64 crore. Reported under net fee and commission income: fee and commission income of Rs. 92.47 crore and fee and commission expense of Rs. 0.13 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 102.79 crore, other operating expenses of Rs. 7.6 crore and depreciation & amortisation of Rs. 4.73 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.6 crore and non-operating expense of Rs. 1.01 crore. Reported under income tax expense: current tax of Rs. 60.9 crore and deferred tax of Rs. 44 crore.

NUBL profit and loss for 2080/81

In the financial year 2080/81, Nirdhan Utthan Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 191.83 crore, net fee and commission income of Rs. 34.62 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.94 crore, total operating income of Rs. 227.38 crore, impairment charge/(reversal) of Rs. 43.35 crore, net operating income of Rs. 184.04 crore, operating expenses of Rs. 105.54 crore, operating profit of Rs. 78.5 crore, non-operating income/(expense) of Rs. 2.14 crore, profit before income tax of Rs. 80.63 crore, income tax expense of Rs. 54.01 crore and profit for the year of Rs. 26.62 crore.

Reported under net interest income: interest income of Rs. 384.33 crore and interest expense of Rs. 192.5 crore. Reported under net fee and commission income: fee and commission income of Rs. 34.8 crore and fee and commission expense of Rs. 0.18 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 92.76 crore, other operating expenses of Rs. 7.38 crore and depreciation & amortisation of Rs. 5.4 crore. Reported under non-operating income/(expense): non-operating income of Rs. 2.14 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 43.1 crore and deferred tax of Rs. 10.91 crore.

NUBL profit and loss for 2079/80

In the financial year 2079/80, Nirdhan Utthan Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 195.88 crore, net fee and commission income of Rs. 13.57 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.24 crore, total operating income of Rs. 209.7 crore, impairment charge/(reversal) of Rs. 87.6 crore, net operating income of Rs. 122.1 crore, operating expenses of Rs. 97.31 crore, operating profit of Rs. 24.79 crore, non-operating income/(expense) of Rs. 0.4 crore, profit before income tax of Rs. 24.39 crore, income tax expense of Rs. 7.39 crore and profit for the year of Rs. 17 crore.

Reported under net interest income: interest income of Rs. 396.08 crore and interest expense of Rs. 200.19 crore. Reported under net fee and commission income: fee and commission income of Rs. 14.15 crore and fee and commission expense of Rs. 0.58 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 84.79 crore, other operating expenses of Rs. 7.39 crore and depreciation & amortisation of Rs. 5.13 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.08 crore and non-operating expense of Rs. 0.48 crore. Reported under income tax expense: current tax of Rs. 36.22 crore and deferred tax of Rs. 28.82 crore.

NUBL balance sheet for 2081/82

In the financial year 2081/82, Nirdhan Utthan Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 2,801.36 crore, total liabilities of Rs. 2,210.3 crore and total equity of Rs. 591.05 crore.

Reported under total assets: cash and cash equivalents of Rs. 149.42 crore, due from nepal rastra bank of Rs. 48.27 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. 2,438.43 crore, investment securities of Rs. 35.66 crore, current tax assets of Rs. 0 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. 21.69 crore, goodwill and intangible assets of Rs. 0.21 crore, deferred tax assets of Rs. 75.85 crore and other assets of Rs. 31.84 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. 2,082.8 crore, borrowings of Rs. 98.31 crore, current tax liabilities of Rs. 0.67 crore, provisions of Rs. 1.78 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 26.75 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 261.21 crore, share premium of Rs. 0.05 crore, retained earnings of Rs. 35.96 crore, reserves of Rs. 293.84 crore and non controlling interest of Rs. 0 crore.

NUBL balance sheet for 2080/81

In the financial year 2080/81, Nirdhan Utthan Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 2,830.94 crore, total liabilities of Rs. 2,335.38 crore and total equity of Rs. 495.56 crore.

Reported under total assets: cash and cash equivalents of Rs. 207.6 crore, due from nepal rastra bank of Rs. 57.67 crore, placement with banks and fis of Rs. 45 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. 2,412.68 crore, investment securities of Rs. 19.46 crore, current tax assets of Rs. 2.47 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. 23.2 crore, goodwill and intangible assets of Rs. 0.09 crore, deferred tax assets of Rs. 30.37 crore and other assets of Rs. 32.41 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. 2,018.52 crore, borrowings of Rs. 287.06 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 1.46 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 28.33 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 261.21 crore, share premium of Rs. 0.05 crore, retained earnings of Rs. 13.66 crore, reserves of Rs. 247.96 crore and non controlling interest of Rs. 0 crore.

NUBL balance sheet for 2079/80

In the financial year 2079/80, Nirdhan Utthan Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 2,792.22 crore, total liabilities of Rs. 2,323.05 crore and total equity of Rs. 469.18 crore.

Reported under total assets: cash and cash equivalents of Rs. 182.24 crore, due from nepal rastra bank of Rs. 43.69 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. 2,431.26 crore, investment securities of Rs. 29.35 crore, current tax assets of Rs. 7.51 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. 26.06 crore, goodwill and intangible assets of Rs. 0 crore, deferred tax assets of Rs. 41.64 crore and other assets of Rs. 30.47 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. 1,911.43 crore, borrowings of Rs. 394.67 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 1.46 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 15.49 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 261.21 crore, share premium of Rs. 0.05 crore, retained earnings of Rs. 35.75 crore, reserves of Rs. 243.67 crore and non controlling interest of Rs. 0 crore.

NUBL cash flow for 2081/82

In the financial year 2081/82, Nirdhan Utthan Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 45.52 crore, net cash flow from investing activities (b) of Rs. 12.72 crore, net cash flow from financing activities (c) of Rs. 0.06 crore, net increase/(decrease) in cash and cash equivalents of Rs. 58.19 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 207.6 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. 149.42 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 369.23 crore, fees and other income received of Rs. 92.47 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.17 crore, interest paid of Rs. 180.64 crore, commission and fees paid of Rs. 0.13 crore, cash payment to employees of Rs. 102.79 crore, other expense paid of Rs. 68.01 crore, operating cash flows before changes in operating assets and liabilities of Rs. 110.3 crore, due from nepal rastra bank of Rs. 9.4 crore, placement with banks and financial institutions of Rs. 45 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. 25.75 crore, other assets of Rs. 42.45 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. 64.28 crore, borrowings of Rs. 188.76 crore, other liabilities of Rs. 0.65 crore, net cash flow from operating activities before tax paid of Rs. 28.62 crore and income taxes paid of Rs. 16.9 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 16.29 crore, receipts from sale of investment securities of Rs. 0.22 crore, purchase of property and equipment of Rs. 1.51 crore, receipt from sale of property and equipment of Rs. 0.02 crore, purchase of intangible assets of Rs. 0.12 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. 1.95 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. 0.06 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

NUBL cash flow for 2080/81

In the financial year 2080/81, Nirdhan Utthan Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 7.06 crore, net cash flow from investing activities (b) of Rs. 14.64 crore, net cash flow from financing activities (c) of Rs. 3.67 crore, net increase/(decrease) in cash and cash equivalents of Rs. 25.36 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 182.24 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. 207.6 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 382.74 crore, fees and other income received of Rs. 34.8 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.9 crore, interest paid of Rs. 192.5 crore, commission and fees paid of Rs. 0.18 crore, cash payment to employees of Rs. 92.76 crore, other expense paid of Rs. 54.23 crore, operating cash flows before changes in operating assets and liabilities of Rs. 78.77 crore, due from nepal rastra bank of Rs. 14.33 crore, placement with banks and financial institutions of Rs. 45 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. 18.58 crore, other assets of Rs. 14.8 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. 107.1 crore, borrowings of Rs. 107.61 crore, other liabilities of Rs. 8.76 crore, net cash flow from operating activities before tax paid of Rs. 61.06 crore and income taxes paid of Rs. 54.01 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 10.24 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 2.75 crore, receipt from sale of property and equipment of Rs. 0.05 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. 1.59 crore and dividend received of Rs. 0.01 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. 3.67 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

NUBL cash flow for 2079/80

In the financial year 2079/80, Nirdhan Utthan Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 99.78 crore, net cash flow from investing activities (b) of Rs. 10.02 crore, net cash flow from financing activities (c) of Rs. 10.58 crore, net increase/(decrease) in cash and cash equivalents of Rs. 79.18 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 103.06 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. 182.24 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 394.33 crore, fees and other income received of Rs. 14.15 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.23 crore, interest paid of Rs. 200.19 crore, commission and fees paid of Rs. 0.58 crore, cash payment to employees of Rs. 100.52 crore, other expense paid of Rs. 84.79 crore, operating cash flows before changes in operating assets and liabilities of Rs. 22.63 crore, due from nepal rastra bank of Rs. 4.05 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. 285.64 crore, other assets of Rs. 20.74 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. 93.15 crore, borrowings of Rs. 234.26 crore, other liabilities of Rs. 35.18 crore, net cash flow from operating activities before tax paid of Rs. 107.18 crore and income taxes paid of Rs. 7.39 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. 11.79 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. 1.75 crore and dividend received of Rs. 0.02 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. 10.58 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

NUBL quarterly for Q3 2082/83

In the quarter Q3 2082/83, Nirdhan Utthan Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 48.09 crore, net fee and commission income of Rs. 8.42 crore, net trading income of Rs. 0 crore, other operating income of Rs. 1 crore, total operating income of Rs. 57.51 crore, impairment charge/(reversal) of Rs. 25.11 crore, net operating income of Rs. 32.4 crore, operating expenses of Rs. 23.93 crore, operating profit of Rs. 8.48 crore, non-operating income/(expense) of Rs. 4.95 crore, profit before income tax of Rs. 3.53 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 3.53 crore.

Reported under net interest income: interest income of Rs. 92.11 crore and interest expense of Rs. 44.02 crore. Reported under net fee and commission income: fee and commission income of Rs. 8.42 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 20.8 crore, other operating expenses of Rs. 2.88 crore and depreciation & amortisation of Rs. 0.25 crore. Reported under non-operating income/(expense): non-operating income of Rs. 4.94 crore and non-operating expense of Rs. 0.01 crore. Reported under income tax expense: current tax of Rs. 0 crore and deferred tax of Rs. 0 crore.

NUBL quarterly for Q2 2082/83

In the quarter Q2 2082/83, Nirdhan Utthan Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 47.98 crore, net fee and commission income of Rs. 7.68 crore, net trading income of Rs. 0 crore, other operating income of Rs. 1.65 crore, total operating income of Rs. 57.3 crore, impairment charge/(reversal) of Rs. 22.22 crore, net operating income of Rs. 35.08 crore, operating expenses of Rs. 25.52 crore, operating profit of Rs. 9.57 crore, non-operating income/(expense) of Rs. 0.14 crore, profit before income tax of Rs. 9.71 crore, income tax expense of Rs. 10.35 crore and profit for the year of Rs. 0.64 crore.

Reported under net interest income: interest income of Rs. 90.93 crore and interest expense of Rs. 42.95 crore. Reported under net fee and commission income: fee and commission income of Rs. 7.68 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 22.04 crore, other operating expenses of Rs. 3.1 crore and depreciation & amortisation of Rs. 0.37 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.14 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 10.35 crore and deferred tax of Rs. 0 crore.

NUBL quarterly for Q1 2082/83

In the quarter Q1 2082/83, Nirdhan Utthan Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 43.4 crore, net fee and commission income of Rs. 8.19 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 51.59 crore, impairment charge/(reversal) of Rs. 6.47 crore, net operating income of Rs. 45.12 crore, operating expenses of Rs. 25.43 crore, operating profit of Rs. 19.68 crore, non-operating income/(expense) of Rs. 0.02 crore, profit before income tax of Rs. 19.7 crore, income tax expense of Rs. 7.08 crore and profit for the year of Rs. 12.62 crore.

Reported under net interest income: interest income of Rs. 87.75 crore and interest expense of Rs. 44.35 crore. Reported under net fee and commission income: fee and commission income of Rs. 8.2 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 22.25 crore, other operating expenses of Rs. 2.81 crore and depreciation & amortisation of Rs. 0.37 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.16 crore and non-operating expense of Rs. 0.14 crore. Reported under income tax expense: current tax of Rs. 7.08 crore and deferred tax of Rs. 0 crore.

NUBL quarterly for Q4 2081/82

In the quarter Q4 2081/82, Nirdhan Utthan Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 56.92 crore, net fee and commission income of Rs. 73.32 crore, net trading income of Rs. 0 crore, other operating income of Rs. 72.5 crore, total operating income of Rs. 57.74 crore, impairment charge/(reversal) of Rs. 21.22 crore, net operating income of Rs. 78.95 crore, operating expenses of Rs. 28.07 crore, operating profit of Rs. 50.88 crore, non-operating income/(expense) of Rs. 1.81 crore, profit before income tax of Rs. 52.69 crore, income tax expense of Rs. 17.14 crore and profit for the year of Rs. 35.55 crore.

Reported under net interest income: interest income of Rs. 100.65 crore and interest expense of Rs. 43.73 crore. Reported under net fee and commission income: fee and commission income of Rs. 73.42 crore and fee and commission expense of Rs. 0.1 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 24.54 crore, other operating expenses of Rs. 1.13 crore and depreciation & amortisation of Rs. 4.66 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.8 crore and non-operating expense of Rs. 0.01 crore. Reported under income tax expense: current tax of Rs. 17.14 crore and deferred tax of Rs. 0 crore.

NUBL Profit & Loss

Values in Rs. Crore unless stated otherwise.

NUBL Balance Sheet

Values in Rs. Crore unless stated otherwise.

NUBL Cash Flow

Values in Rs. Crore unless stated otherwise.

NUBL Quarterly Results

Values in Rs. Crore unless stated otherwise.

Nirdhan Utthan share price history

Over the last 15 trading sessions NUBL closed between Rs. 587.00 and Rs. 612.00, finishing at Rs. 600.00 on 2026-10-12 against Rs. 600.00 on 2026-09-18.

NUBL share price by year

2026, between Rs. 555.10 and Rs. 760.00, 2025, between Rs. 619.05 and Rs. 813.71, 2024, between Rs. 550.76 and Rs. 885.90, 2023, between Rs. 487.71 and Rs. 905.96, 2022, between Rs. 692.28 and Rs. 1,076.43 and 2021, between Rs. 685.82 and Rs. 1,185.96.

Nirdhan Utthan share price returns

At Rs. 600.00 on 2026-10-12, NUBL is up 2.21% over 1 week, up 5.26% over 1 month, up 0.84% over 3 months, down 14.29% over 6 months, down 12.40% over 1 year and down 35.28% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

NUBL floorsheet for 2026-10-12

NUBL traded 12 times on 2026-10-12, moving 5,732 shares for Rs. 0.34 crore of turnover. Trades went through between Rs. 590.00 and Rs. 600.00.

Largest buyers by volume: broker 60, Nagarik Stock Dealer Company Ltd. on 5,309 shares across 8 trades, broker 80, Indira Securities Pvt. Ltd on 320 shares across 2 trades, broker 100, Sunrise Securities Limited on 102 shares across 1 trades and broker 42, Sani Securities Company Limited on 1 shares across 1 trades.

Largest sellers by volume: broker 36, Secured Securities Limited on 3,674 shares across 2 trades, broker 81, Aakashbhairab Securities Ltd. on 1,000 shares across 1 trades, broker 21, Midas Stock Broking Company Pvt. Limited on 450 shares across 1 trades, broker 11, Malla & Malla Stock Broking Company Pvt. Limited on 207 shares across 1 trades, broker 14, Nepal Stock House Pvt. Limited on 124 shares across 1 trades, broker 34, Vision Securities Pvt.Limited on 102 shares across 1 trades, broker 17, ABC Securities Pvt. Limited on 90 shares across 1 trades, broker 29, Trishul Securities And Investment Limited on 52 shares across 1 trades, broker 39, Sumeru Securities Pvt.Limited on 20 shares across 1 trades and broker 43, South Asian Bulls Pvt.Limited on 12 shares across 1 trades.

NUBL dividend history: bonus shares and cash dividend

Nirdhan Utthan Laghubitta Bittiya Sanstha Limited most recently declared a 5% bonus share issue and a 7% cash dividend, 12% in total for 2081/2082, announced on 2025-12-24. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2081/2082 Nirdhan Utthan Laghubitta Bittiya Sanstha Limited declared a 5% bonus share issue and a 7% cash dividend, 12% in total, announced on 2025-12-24.

For 2078/2079 Nirdhan Utthan Laghubitta Bittiya Sanstha Limited declared a 19% bonus share issue, announced on 2023-02-05.

For 2077/2078 Nirdhan Utthan Laghubitta Bittiya Sanstha Limited declared a 29.5% bonus share issue, announced on 2021-12-20.

For 2020/2021 Nirdhan Utthan Laghubitta Bittiya Sanstha Limited declared a 29.5% bonus share issue, announced on 2021-11-26.

NUBL general meetings

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

• 27th AGM for 2081/2082: on 2026-01-14, at Company's Central Office, Naxal, Kathmandu (10:00 AM)
• 26th AGM for 2080/2081: on 2025-01-10, at Company's Registered Office, Naxal, Kathmandu (10:00 AM)
• 25th AGM for 2079/2080: on 2024-02-23, at Company's Registered Office, Naxal, Kathmandu (10:00 AM)

6 years of annual statements and 11 quarters of results for NUBL, with charts and peer comparison, are free on NepView.

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