Blogs

Overview of Mutual Fund Investments in Nepal – Mangsir 2081

Published

6 months ago

January 2, 2025

Kamal

Overview of Mutual Fund Investments in Nepal

Mutual funds are an essential component of Nepal’s financial market, providing a platform for diversified investments. Currently, there are 35 closed-end mutual funds listed on the Nepal Stock Exchange (NEPSE), and 7 open-end schemes traded through their respective fund managers.

In Mangsir 2081, mutual funds made notable investments across various sectors:

1. Total Investments: Rs. 40.03 Arba invested in listed and unlisted companies, slightly lower than Rs. 40.92 Arba in Kartik 2081.

2. Bank Balances: Increased to Rs. 7.9 Arba in Mangsir, compared to Rs. 7.33 Arba in Kartik.

3. Other Investments:

Rs. 3.3 Arba invested in debentures and bonds.
Rs. 1.39 Arba invested in primary shares/rights, which is 2.56% of total investments.

This reflects a slight dip in company investments but an improvement in bank balances and a steady commitment to diversified portfolios. However, this blog provides a detailed analysis of mutual fund investments in Nepal, highlighting the top investments, most traded stocks, and sector-wise breakdowns.

S.N.	Particulars	Mangsir 2081 (Amount Rs.)	% of overall MF in Mangsir	Kartik 2081 (Amount Rs..)	% of overall MF in Kartik	Aswin 2081 (Amount Rs.)	% of overall MF in Aswin
1	Investment in Listed/Non-Listed Shares	40,033,531,712.29	73.33	40,926,091,148.97	74.01	42,125,766,225.65	75.63
2	Debentures and Bonds	3,300,579,195.28	6.05	3,289,484,129.21	5.95	3,271,206,453.19	5.87
3	Investment in IPO/FPO/Right/Bonus	1,395,964,632.50	2.56	1,399,775,156.00	2.53	1,097,404,057.00	1.97
4	Fixed Income Instruments	1,957,146,648.93	3.58	2,348,040,455.04	4.25	2,600,691,275.00	4.67
5	Bank Balance	7,909,756,997.30	14.49	7,338,044,870.93	13.27	6,604,561,596.28	11.86

The top investments of mutual funds across all sectors in Mangsir 2081 are:

Symbol	No. of Shares	Price (Rs.)	Value of Shares (Rs.)	NAV Change Factor (Rs.)
NIL	1,329,095.00	930.00	1,236,058,350.00	0.0249
CBBL	1,177,583.00	930.60	1,095,858,739.80	0.0205
SANIMA	3,423,201.00	310.90	1,064,273,190.90	0.0209
SPIL	1,279,774.00	805.00	1,030,218,070.00	0.0207
NLICL	1,657,408.00	593.00	982,842,944.00	0.0193
SALICO	1,352,881.00	702.00	949,722,462.00	0.0193
SKER	981,419.00	923.00	905,849,737.00	0.0185
EBL	1,452,725.00	596.00	865,824,100.00	0.0172
INLIO	1,099,040.00	787.00	864,944,480.00	0.0171
NICA	2,140,746.00	403.00	862,720,638.00	0.0168

Most Bought Stocks By the Mutual Funds in Mangsir :

S.N.	Symbol	Buy Quantity	Latest Holdings (Rs.)
1	NIBLGF	1,209,450.00	15,738,864.00
2	SFET	949,400.00	19,965,645.00
3	PRSF	710,900.00	11,012,800.00
4	NIBLSTF	500,000.00	22,701,765.00
5	SIGS3	493,840.00	11,788,680.00
6	SAGF	468,350.00	8,604,850.00
7	EBL	283,818.00	1,452,725.00
8	API	219,229.00	1,237,211.00
9	NIBSF2	200,300.00	1,647,374.00
10	NMB	155,656.00	2,417,394.00

Most Sold Stocks By the Mutual Funds in Mangsir :

S.N.	Symbol	Sales Quantity	Latest Holdings (Rs.)
1	SFEF	2,898,800.00	19,965,645.00
2	NIBLGF	2,523,100.00	15,738,864.00
3	SAGF	2,468,400.00	8,604,850.00
4	SIGS3	2,168,300.00	11,788,680.00
5	PRSF	1,649,500.00	11,012,800.00
6	GIBF1	1,439,900.00	5,301,500.00
7	NIBLSTF	1,010,000.00	22,701,765.00
8	RMF2	1,000,000.00	4,538,800.00
9	PSF	910,693.00	3,929,871.00
10	NSIF2	556,865.00	3,850,500.00

Sector-Wise Breakdown of Investments By Mutual Funds

S.N.	Sector	No. of Shares	Total Value (Rs.)	Sector Weightage (%)
1	Commercial Bank	28,513,822.00	9,038,909,794.40	22.59
2	Development Bank	7,852,006.00	3,458,217,793.40	8.64
3	Finance	280,537.00	197,195,586.50	0.49
4	Hotel & Tourism	704,444.00	531,067,597.00	1.33
5	Hydropower	9,045,647.00	3,903,858,482.10	9.76
6	Investment	1,141,577.00	1,079,815,608.40	2.70
7	Life Insurance	7,453,586.00	4,602,173,313.30	11.50
8	Manufacturing & Processing	1,841,520.00	1,498,895,828.00	3.75
9	Merged	75,920.00	33,782,882.60	0.08
10	Microfinance	6,003,020.00	5,452,764,424.00	13.63
11	Mutual Fund	222,760,239.00	2,120,591,719.30	5.30

1. Commercial Banks

Mutual funds have invested the most in the commercial banks of Nepal. Sanima Bank Limited (SANIMA) tops the list with Rs. 1.06 Arba. Everest Bank Limited (EBL) and NIC Asia Bank Limited (NICA) follow, with investments of Rs. 86.58 Crores and Rs. 86.27 Crores, respectively. This shows mutual funds’ preference for stable and reliable banks.

S.N.	Symbol	No. of Shares	Total Value as of LTP (Rs.)
1	SANIMA	3,423,201.00	1,064,273,190.90
2	EBL	1,452,725.00	865,824,100.00
3	NICA	2,140,746.00	862,720,638.00
4	SBL	2,255,333.00	699,378,763.30
5	NMB	2,417,394.00	597,096,318.00
6	SBI	1,900,695.00	595,617,092.00
7	SCB	1,300,474.00	558,886,866.00
8	PCBL	2,025,293.00	536,500,115.70
9	MBL	1,984,070.00	486,097,150.00
10	PRVU	1,829,209.00	427,656,375.00

2. Development Banks

Development banks of Nepal are another focus for mutual funds. Garima Bikas Bank Limited (GBBL) leads with Rs. 83.72 Crores, followed by Muktinath Bikas Bank Limited (MNBBL) with Rs. 58.61 Crores and Shine Resunga Development Bank Limited (SHINE) with Rs. 56.43 Crores. These banks play a key role in regional growth.

S.N.	Symbol	No. of Shares	Total Value as of LTP (Rs.)
1	SANIMA	3,423,201.00	1,064,273,190.90
2	EBL	1,452,725.00	865,824,100.00
3	NICA	2,140,746.00	862,720,638.00
4	SBL	2,255,333.00	699,378,763.30
5	NMB	2,417,394.00	597,096,318.00
6	SBI	1,900,695.00	595,617,092.00
7	SCB	1,300,474.00	558,886,866.00
8	PCBL	2,025,293.00	536,500,115.70
9	MBL	1,984,070.00	486,097,150.00
10	PRVU	1,829,209.00	427,656,375.00

3. Finance Companies

Investments in finance companies include Rs. 12.28 Crores in Manjushree Finance Limited (MFIL) and Rs. 5.82 Crores in ICFC Finance Limited (ICFC). This shows a cautious but focused investment in smaller financial institutions in Nepal.

S.N.	Symbol	No. of Shares	Total Value as of LTP (Rs.)
1	MFIL	173,698.00	122,804,486.00
2	ICFC	81,143.00	58,252,559.70
3	RLFL	16,000.00	10,032,000.00
4	SIFC	9,696.00	6,106,540.80

4. Hotels and Tourism

The hotels and tourism sector received attention, with Soaltee Hotel Limited (SHL) getting Rs. 16.18 Crores. This reflects mutual funds’ trust in the growth of Nepal’s tourism industry.

S.N.	Symbol	No. of Shares	Total Value as of LTP (Rs.)
1	SHL	333,661.00	161,825,585.00
2	CGH	168,846.00	155,169,474.00
3	TRH	132,061.00	145,002,978.00
4	OHL	49,480.00	46,412,240.00
5	KDL	15,896.00	18,598,320.00
6	CITY	4,500.00	4,059,000.00

5. Hydropower Companies

Mutual funds have invested heavily in hydropower companies. Mountain Energy Nepal Limited (MEN) leads with Rs. 68.15 Crores, followed by Sanima Mai Hydropower Limited (SHPC) with Rs. 44.53 Crores and Api Power Company Limited (API) with Rs. 33.83 Crores. This shows support for sustainable energy projects.

S.N.	Symbol	No. of Shares	Total Value as of LTP (Rs.)
1	MEN	965,430.00	681,593,580.00
2	SHPC	826,950.00	445,312,575.00
3	API	1,237,211.00	338,377,208.50
4	CHCL	493,785.00	276,519,600.00
5	SAHAS	391,220.00	193,653,900.00
6	TAMOR	343,298.00	182,634,536.00
7	RADHI	333,930.00	131,569,208.00
8	AKPL	527,155.00	129,416,552.50
9	AHPC	466,851.00	123,762,200.10
10	BPCL	256,076.00	105,477,704.40

6. Life Insurance Companies

Life insurance companies are a big focus for mutual funds. National Life Insurance Company Limited (NLICL) received Rs. 98.28 Crores, Nepal Life Insurance Company Limited (NLIC) got Rs. 86.49 Crores, and Asian Life Insurance Company Limited (ALICL) got Rs. 59.18 Crores. These investments show confidence in long-term financial services.

S.N.	Symbol	No. of Shares	Total Value as of LTP (Rs.)
1	NLICL	1,657,408.00	982,842,944.00
2	NLIC	1,099,040.00	864,944,480.00
3	ALICL	812,405.00	591,837,042.50
4	HLI	1,228,649.00	569,355,946.60
5	SILIC	716,686.00	331,108,932.00
6	LICN	242,066.00	297,499,114.00
7	CLI	394,434.00	270,976,158.00
8	SNLI	371,320.00	240,986,680.00
9	RNLI	441,342.00	226,452,580.20
10	ILI	250,403.00	119,943,037.00

7. Manufacturing and Products

The manufacturing sector also attracted investments. Shivam Cements Limited (SHIVM) leads with Rs. 64.89 Crores, followed by Sarbottam Cement Limited (SARBTM) with Rs. 23.95 Crores and Himalayan Distillery Limited (HDL) with Rs. 23.62 Crores. These companies are key players in Nepal’s industrial development.

S.N.	Symbol	No. of Shares	Total Value as of LTP (Rs.)
1	SHIVM	1,132,635.00	648,999,855.00
2	SARBTM	307,126.00	239,558,280.00
3	HDL	175,025.00	236,283,750.00
4	UNL	186,900.00	212,731,200.00
5	SONA	31,191.00	87,319,660.00
6	BNT	4,408.00	58,781,875.00
7	GCIL	4,075.00	15,221,208.00

8. Microfinance Companies

Mutual funds have prioritized microfinance companies in Nepal for their role in community development. Chhimek Laghubitta Bittiya Sanstha Limited (CBBL) leads with Rs. 1.09 Arba, followed by Sana Kisan Laghubitta Bittiya Sanstha Limited (SKBBL) with Rs. 90.58 Crores and Nirdhan Utthan Laghubitta Bittiya Sanstha Limited (NUBL) with Rs. 74.12 Crores.

S.N.	Symbol	No. of Shares	Total Value as of LTP (Rs.)
1	CBBL	1,177,583.00	1,095,858,739.80
2	SKBBL	981,419.00	905,849,737.00
3	NUBL	1,052,908.00	741,247,232.00
4	GILB	196,001.00	246,961,260.00
5	NMFBS	191,605.00	245,465,165.50
6	FOWAD	194,803.00	244,477,765.00
7	DDBL	269,526.00	235,862,202.60
8	FMDBL	232,700.00	179,202,270.00
9	NADEP	169,781.00	167,913,409.00
10	SWBBL	184,379.00	164,834,826.00

9. Mutual Fund

S.N.	Symbol	No. of Shares	Total Value as of LTP (Rs.)
1	NIBLSTF	22,701,765.00	204,542,902.65
2	NICGF2	21,155,400.00	189,552,384.00
3	SFEF	19,965,645.00	187,876,719.45
4	KSY	18,502,500.00	162,822,000.00
5	C30MF	14,533,389.00	144,171,218.88
6	NIBLGF	15,738,864.00	141,020,221.44
7	SIGS3	11,788,680.00	115,646,950.80
8	PRSF	11,012,800.00	110,348,256.00
9	SAGF	8,604,850.00	86,048,500.00
10	LVF2	7,050,000.00	67,327,500.00

10. Non-Life Insurance Companies

In non-life insurance, mutual funds have invested Rs. 1.23 Arba in Neco Insurance Company Limited (NIL), Rs. 1.03 Arba in Siddhartha Premier Insurance Limited (SPIL), and Rs. 94.97 Crores in Sagarmatha Lumbini Insurance Company Limited (SALICO). These investments help diversify risks.

S.N.	Symbol	No. of Shares	Total Value as of LTP (Rs.)
1	NIL	1,329,095.00	1,236,058,350.00
2	SPIL	1,279,774.00	1,030,218,070.00
3	SALICO	1,352,881.00	949,722,462.00
4	PRIN	671,563.00	654,773,925.00
5	IGI	609,035.00	364,811,965.00
6	NICL	357,357.00	348,423,075.00
7	SICL	252,340.00	208,634,712.00
8	HEI	285,155.00	183,069,510.00
9	UAIL	285,032.00	182,990,544.00
10	NLG	136,230.00	128,056,200.00

11. Promoter Shares

Mutual funds continue to hold promoter shares of major companies, which provide steady returns and long-term stability.

S.N.	Symbol	No. of Shares	Total Value as of LTP (Rs.)
1	HIDCLP	1,615,768.00	274,680,560.00
2	SWBBLP	132,228.00	103,402,296.00
3	NIMBRO	591,354.00	101,712,888.00
4	RBCLPO	6,899.00	87,617,300.00
5	NUBLPO	143,349.00	78,841,950.00
6	HEIP	100,613.00	50,306,500.00
7	SPILPO	251,000.00	43,925,000.00
8	KBLPO	273,942.00	27,394,200.00
9	FOWADP	67,500.00	20,250,000.00

12. Other Sectors

In other sectors, Rs. 75.67 Crores was invested in Himalayan Reinsurance Limited (HRL), and Rs. 44.2 Crores in Nepal Doorsanchar Company Limited (NTC). These investments highlight diversification into different industries.

S.N.	Symbol	No. of Shares	Total Value as of LTP (Rs.)
1	HRL	922,925.00	756,798,500.00
2	NTC	465,340.00	442,073,000.00
3	NRIC	509,745.00	390,974,415.00
4	MKCL	44,368.00	68,770,400.00
5	NRM	30,162.00	13,572,900.00
6	NWCL	6,432.00	6,528,480.00

13. Investment Sector

Citizen Investment Trust (CIT) received Rs. 60.76 Crores in the investment sector, while CEDB Hydropower Development Company Limited (CHDC) received Rs. 24.91 Crores. These funds are seen as growth-oriented and stable options.

S.N.	Symbol	No. of Shares	Total Value as of LTP (Rs.)
1	CIT	278,749.00	607,672,820.00
2	CHDC	151,529.00	249,113,676.00
3	NIFRA	428,748.00	109,459,364.40
4	HIDCL	–	58,461,106.20
5	NRN	233,938.00	34,505,000.00
6	HATHY	33,500.00	16,927,171.80
7	ENL	2,870.00	3,676,470.00

Change in NAV:

The table below highlights the changes in the NAV of all mutual funds in Nepal during the month of Mangsir compared to the previous month.

S. No.	Mutual Fund	Symbol	NAV as of Mangsir	NAV as of Kartik	Price Change	% Change
1	Citizens Mutual Fund-1	CMF1	11.36	11.5	-0.14	-1.22%
2	NIC Asia Dynamic Debt Fund	NADDF	10.41	10.54	-0.13	-1.23%
3	Global IME Balance Fund-I	GIBF1	11.98	12.19	-0.21	-1.72%
4	NIBL Sahabhagita Fund	NIBLSF	11.07	11.39	-0.32	-2.81%
5	Nabil Balanced Fund – 2	NBF2	11.33	11.67	-0.34	-2.91%
7	NIC Asia Growth Fund 2	NICGF2	10.6	10.92	-0.32	-2.93%
8	NIBL Stable Fund	NIBLSTF	10.04	10.36	-0.32	-3.09%
9	NIC ASIA Balanced Fund	NICBF	10.93	11.28	-0.35	-3.10%
10	Citizens Mutual Fund – 2	CMF2	10.98	11.34	-0.36	-3.17%
11	NIBL Growth Fund	NIBLGF	10.65	11	-0.35	-3.18%
12	Sanima Large Cap Fund	SLCF	11.54	11.93	-0.39	-3.27%
13	Siddhartha Systematic Investment Scheme	SSIS	10.88	11.25	-0.37	-3.29%
14	Sanima Growth Fund	SAGF	11.45	11.84	-0.39	-3.29%
15	Himalayan 80-20	H8020	11.74	12.14	-0.4	-3.29%
16	Sunrise Focused Equity Fund	SFEF	11.36	11.75	-0.39	-3.32%
17	NIBL Samriddhi Fund – 2	NIBSF2	10.15	10.5	-0.35	-3.33%
18	Citizens Super 30 Mutual Fund	C30MF	10.86	11.25	-0.39	-3.47%
19	Siddhartha Equity Fund	SEF	11.64	12.06	-0.42	-3.48%
20	Mega Mutual Fund – 1	MMF1	10.75	11.14	-0.39	-3.50%
21	NIC Asia Flexi Cap Fund	NICFC	11.22	11.64	-0.42	-3.61%
22	Siddhartha Investment Growth Scheme 3	SIGS3	11.8	12.25	-0.45	-3.67%
23	Prabhu Smart Fund	PRSF	12.11	12.58	-0.47	-3.74%
24	Kumari Dhanabriddhi Yojana	KDBY	11.24	11.68	-0.44	-3.77%
25	Laxmi Value Fund-II	LVF2	11.21	11.65	-0.44	-3.78%
26	NIC Asia Select-30	NICSF	10.95	11.38	-0.43	-3.78%
27	Kumari Equity Fund	KEF	10.67	11.09	-0.42	-3.79%
28	Shubha Laxmi Kosh	SLK	11.57	12.03	-0.46	-3.83%
29	Nabil Balanced Fund	NBF	11.29	11.72	-0.43	-3.75%
30	Siddhartha Equity Fund II	SEFII	10.99	11.42	-0.43	-3.77%

Blogs

Private Power Producers Protest ‘Take and Pay’ Provision in Budget

Published

13 hours ago

June 22, 2025

Kamal

Private energy entrepreneurs in Nepal have taken to social media, protesting the government’s decision to introduce the ‘Take and Pay’ (Liu Ra Tir) system for electricity purchase agreements (PPA) in the new fiscal year budget.

Under this system, the government would only pay for the electricity it uses, instead of paying for the total electricity generated by hydropower projects. Entrepreneurs argue this move could severely hurt the private sector, discourage investment, and push the country back toward power shortages.

Online Campaign Targets Top Officials

Energy producers are now directly appealing to key government figures. They have publicly tagged Prime Minister Pushpa Kamal Dahal, Finance Minister Barshaman Pun, Energy Minister Shakti Bahadur Basnet, and NEA Executive Director Kulman Ghising on social media, urging them to withdraw the Take and Pay provision.

This digital campaign comes just days after developers handed over a memorandum to the Prime Minister and bombarded top officials with hundreds of SMS messages requesting the same.

Why Are Entrepreneurs Worried?

Entrepreneurs claim that this decision will:

Weaken the private sector’s role in the energy industry
Risk the return of load-shedding (power cuts)
Causes financial losses to investors
Damage the overall economy

The Independent Power Producers’ Association of Nepal (IPPAN) has strongly opposed the provision. According to IPPAN’s Vice President and protest coordinator Mohan Kumar Dangi, the policy shift will discourage private hydropower development, especially for Run-of-River (RoR) projects, which are most affected by the new model.

Ongoing Protests and Next Steps

Since Asar 6, private power developers have been staging a phase-wise protest. On the third day of their movement, they moved their campaign to social media to raise public awareness and pressure the government.

Dangi warned that if the government ignores these peaceful efforts, the protests will escalate. Planned steps include:

Lobbying political party leaders in Parliament
Launching a nationwide street protest
Returning the keys of privately built hydropower projects to the government — a symbolic act of handing over control

Background: The Budget Controversy

The controversy started when the budget for FY 2082/83 (announced on Jestha 15) stated that all future PPAs for RoR hydropower projects would be done under the Take and Pay model only. This was a major change from the previous Take or Pay model, where producers were paid even if electricity wasn’t consumed, offering more security for private investors.

Conclusion

The ‘Take and Pay’ decision has sparked serious concerns across Nepal’s private energy sector. Developers fear this could lead to a slowdown in future hydropower investments, and possibly, a return to unstable electricity supply. With pressure mounting both online and offline, the government’s next move will be critical for the future of Nepal’s energy landscape.

Blogs

Nepal Rastra Bank to Withdraw NPR 60 Billion from the Banking System on Monday

Published

14 hours ago

June 22, 2025

Kamal

Nepal Rastra Bank to Withdraw NPR 60 Billion

Nepal Rastra Bank (NRB), the central bank of Nepal, has announced it will withdraw NPR 60 billion in deposits from the banking system on Monday through a deposit collection auction. This move comes as excess liquidity continues to remain in the banking sector since the beginning of the current fiscal year 2081/82.

According to NRB, the withdrawal will be conducted through the online bidding system, and the interest rate will be determined through competitive bidding. The collected amount, including both principal and interest, will be settled on Shrawan 18, 2082 (August 2, 2025).

Key Auction Details

Total Amount: NPR 60 billion
Minimum Bid Amount: NPR 100 million
Bid Increments: Must be divisible by NPR 50 million
Eligible Participants: Class ‘A’, ‘B’, and ‘C’ licensed banks and financial institutions
Auction Method: Competitive bidding via NRB’s online platform
Maturity & Settlement Date: Shrawan 18, 2082

Why Is the Central Bank Taking This Step?

As per NRB, the banking system is currently holding excessive liquidity, with total deposits crossing NPR 7 trillion. However, this liquidity is not being effectively utilized, as loan disbursement has remained slow. This reflects a lack of investor confidence and limited credit demand in the economy.

To control liquidity and stabilize the financial market, NRB has been consistently withdrawing funds using monetary tools since the start of the fiscal year. Tools like reverse repo, outright sale, deposit collection, and bond issuance are being used depending on the situation, whether there is too much or too little money in the system.

Recent Trends in Liquidity Control

Last week alone, NRB withdrew NPR 90 billion in a single day, highlighting the ongoing efforts to manage surplus liquidity. The central bank is using such actions not only when there is an overflow of money but also in times of shortage, to maintain balance in the financial system.

Conclusion

The decision to withdraw NPR 60 billion on Monday shows that Nepal Rastra Bank is actively managing liquidity to ensure financial stability. With a large amount of unused funds in the system, these measures are crucial to prevent inflation, reduce financial risk, and encourage more effective use of capital in the economy.

Blogs

52-Week Low & High Microfinance Shares in Nepal: Current Status and Future Outlook

Published

15 hours ago

June 22, 2025

Kamal

The microfinance sector in Nepal has been moving sideways for a long time. The group sub-index has been fluctuating between 4,600 and 5,600. Recently, the index reached a swing high of nearly 4,900 but then closed at 4,671.74.

The national budget did not bring any immediate changes that could affect the capital market. So, investors are now waiting for the upcoming monetary policy. After the newly appointed Governor of Nepal Rastra Bank, Dr. Bishwanath Paudel, reduced the risk weight on margin loans from 125% to 100% during the third quarterly review, investor confidence grew.

Investors now hope that the following changes will be introduced in the next monetary policy:

Removal of the current Rs. 15 crore limit on individual investment
Removal of the 15% dividend cap on microfinance institutions
Permission for banks and financial institutions to trade shares for less than one year

Governor Paudel’s public remarks have made investors hopeful that the upcoming monetary policy will be share-market friendly.

Despite the pressure on the market at the end of Ashar, investors are optimistic about a rebound afterward. Experts say microfinance and insurance stocks—whose prices have not surged yet compared to others—might offer better opportunities in the coming days.

Top 20 Microfinance Companies Nearest to 52-Week Low

Some microfinance companies are trading close to their 52-week low prices. These stocks may offer good value for long-term investors. Here are some examples:

Nesdo Samriddhi Microfinance had a high of Rs. 2,641 and a low of Rs. 1,540 in the past year. It is currently trading near its lowest point.
Sana Kisan Bikas Microfinance and Jan Utthan Community Microfinance are both trading less than 1% above their 52-week lows.
Jeevan Bikas, NIC Asia, Infinity, Suryodaya Womi, RSDC, Asha, and Swabalamban Microfinance are trading just 1–3% above their yearly lows.
Other companies like Unique Nepal, Bijaya, Forward, Nirdhan Utthan, Diprox, Mahuli, Nerude Mirmire, National, Samata Gharelu, and Laxmi Microfinance are also trading only 3–5.5% above their low points.

According to experts, these stocks could be worth watching for those looking to invest at lower prices.

Microfinance Stocks Near 52-Week High

Interestingly, a few companies are still trading near their 52-week highs even though the overall market is in a downtrend:

Unnati Sahakarya Microfinance reached a high of Rs. 5,276 and is now trading at around Rs. 1,804.
CYCL Nepal Microfinance had a high of Rs. 1,958 and is still trading at Rs. 1,615, which is relatively strong.

On the other hand, many microfinance stocks are trading 20–40% below their 52-week highs:

Aatmanirbhar, Mahila, Grameen Bikas, Kalika, Global IME, Chhimek, Mero Microfinance, and Abhiyan are all trading 22% to 31% below their highs.
NMB, First Microfinance, RSDC, Laxmi, Nirdhan Utthan, Diprox, Sana Kisan, Mithila, National, and Swabhiman are trading 34% to 44% below their 52-week highs.

These stocks may still have room to rise if the market recovers and favorable policies are introduced.

Conclusion

The microfinance sector in Nepal is at a turning point. While the market has been moving sideways, investor confidence is building, especially with hopes for a supportive monetary policy. Stocks near their 52-week lows may offer attractive entry points, while those holding near their highs show relative strength.

For both new and experienced investors, this could be a good time to study the microfinance sector closely and plan for the long term. As always, careful research and risk assessment are essential before making any investment decisions.