Compare · Microfinance
JBLB vs NMFBS
Jeevan Bikas Laghubitta Bittya Sanstha and National Laghubitta Bittiya Sanstha, side by side: what Rs 100 became, the figures NEPSE publishes, dividends and each against its sector.
Close · 16 Oct 2026NEPSE published data, may be delayed
Jeevan Bikas Laghubitta Bittya Sanstha Ltd
National Laghubitta Bittiya Sanstha Limited
Rs 100 became…
- JBLBRs 100 becameRs 107.24+7.24% up in 1 year
- NMFBSRs 100 becameRs 112.55+12.55% up in 1 year
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Rs 100 in each on the first session of the period, adjusted for bonus shares. Cash dividends are not added back. To the close of 16 Oct 2026.
In plain words
On 16 Oct 2026, JBLB (Jeevan Bikas Laghubitta Bittya Sanstha Ltd) closed at Rs 1,285.00 and NMFBS (National Laghubitta Bittiya Sanstha Limited) at Rs 1,199.90. Over the past year, Rs 100 in JBLB became Rs 107 (+7.24%) and in NMFBS Rs 113 (+12.55%), adjusted for bonus shares.
JBLB is the larger company by market value, Rs 2,250 crore against Rs 1,825 crore. Of the 49 microfinance Punji covers, JBLB is 3rd by market value and NMFBS 4th. Cash dividends with a book closure in the last 12 months yield 0.06% on JBLB and 0.06% on NMFBS at the latest close.
Side by side
marks the higher figure. Higher is not better or worse by itself.
| JBLBMicrofinance | NMFBSMicrofinance | |
|---|---|---|
| Price and returns | ||
| Close, Rs | 1,285.00 | 1,199.90 |
| Change, as NEPSE published | +0.39% up | +0.39% up |
| Rs 100 became, 1 year | Rs 107.24 | Rs 112.55, the higher figure |
| Return, 1 month | +0.47% up | +4.52% up, the higher figure |
| Return, 1 year | +7.24% up | +12.55% up, the higher figure |
| 52-week range | ||
| Size and shares | ||
| Market value | Rs 2,250 cr, the higher figure | Rs 1,825 cr |
| Listed shares | 1.75 crore, the higher figure | 1.52 crore |
| Promoter and public | Promoter 67.5%Public 32.5% | Promoter 74.0%Public 26.0% |
| Dividends | ||
| Cash dividend yield, 12 months | 0.06% | 0.06% |
| Latest declaration | 0.737% cash · 14% bonus2081/82 | 0.75% cash · 14.25% bonus2081/82 |
| Trading | ||
| Traded value, last 30 days | Rs 16.23 cr | Rs 30.50 cr, the higher figure |
| Shares traded, latest session | 2,339 | 2,612, the higher figure |
| From the quarterly reports | ||
| EPS, P/E, book value and price to book for both, from their latest quarterly reports. | ||
Market value is the close times the listed shares. The 52-week range is NEPSE’s published low and high. Yield is the cash dividends with a book closure in the last 12 months, as a share of the paid-up value, over the close.
Dividends, year by year
As a percentage of paid-up value, as declared. Solid is cash, light is bonus, on one scale.
| Fiscal year | JBLB | NMFBS |
|---|---|---|
| 2081/82 | 0.737% cash · 14% bonus | 0.75% cash · 14.25% bonus |
| 2080/81 | 0.737% cash · 14% bonus | 0.75% cash · 14.25% bonus |
| 2079/80 | 0.737% cash · 14% bonus | 7.5% cash · 7.5% bonus |
| 2078/79 | 0.714% cash · 14.285% bonus | 15% bonus |
| 2077/78 | 3.68% cash · 70% bonus | 5% cash · 40% bonus |
Against the microfinance
Rank among the 49 microfinance Punji covers (1st is the highest), and the sector median.
| JBLB | Sector median | NMFBS | |
|---|---|---|---|
| Return, 1 year | +7.24% 7th of 48 | Median −10.08% | +12.55% 6th of 48 |
| Cash dividend yield | 0.06% 11th of 19 | Median 0.08% | 0.06% 11th of 19 |
| Market value | Rs 2,250 cr 3rd of 49 | Median Rs 445 cr | Rs 1,825 cr 4th of 49 |
| Traded value, 30 days | Rs 16.23 cr 10th of 49 | Median Rs 7.36 cr | Rs 30.50 cr 6th of 49 |
Dividend yield ranks only the companies that paid a cash dividend in the last 12 months.
Questions
JBLB or NMFBS: questions
Which is bigger, JBLB or NMFBS?
JBLB is larger by market value: Rs 2,250 crore, against Rs 1,825 crore for NMFBS, at the close of 16 Oct 2026. Market value is the share price times the shares listed.
Which has risen more over the past year, JBLB or NMFBS?
Over the past year, Rs 100 in JBLB became Rs 107 (+7.24%) and in NMFBS Rs 113 (+12.55%), adjusted for bonus shares. Cash dividends are not added back. How a share moved in the past does not say how it will move next.
Which pays a higher dividend, JBLB or NMFBS?
JBLB last declared 0.737% cash and 14% bonus for 2081/82; NMFBS last declared 0.75% cash and 14.25% bonus for 2081/82. Dividends are declared as a percentage of the paid-up value, not of today’s price, so the cash dividend yield in the table is the comparable figure.
Should I buy JBLB or NMFBS?
Punji does not say. This page lines up the published figures for both and marks neither as better; what fits depends on what you hold, why and for how long.
More comparisons
Also: JBLB stock page, NMFBS stock page, the screener, the heat map and the guides to evaluating banking stocks and bonus and right shares.
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