Mahila Laghubitta Bittiyanstha (XNEP:MLBSL) Effective Interest Rate on Debt %: 11.92% (As of Jul. 2026)

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XNEP:MLBSL Mahila Laghubitta Bittiya Sanstha Ltd XNEP:MLBSL
80 GF Score
Price NPR1,055.00
GF Value NPR3,295.81
Valuation Significantly Undervalued
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What is Mahila Laghubitta Bittiyanstha Effective Interest Rate on Debt %?

Mahila Laghubitta Bittiyanstha XNEP:MLBSL +0.09% 80 Effective Interest Rate on Debt % is 11.92% as of Jul. 2026. GuruFocus rates XNEP:MLBSL with a GF Score™ of 80/100 and a GF Value™ of NPR3,295.81 (Significantly Undervalued).

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Mahila Laghubitta Bittiyanstha's annualized positive value of Interest Expense for the quarter that ended in Jul. 2026 was NPR333.4 Mil. Mahila Laghubitta Bittiyanstha's average total debt for the quarter that ended in Jul. 2026 was NPR2,797.4 Mil. Therefore, Mahila Laghubitta Bittiyanstha's annualized Effective Interest Rate on Debt % for the quarter that ended in Jul. 2026 was 11.92%.


Mahila Laghubitta Bittiyanstha  (XNEP:MLBSL) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Mahila Laghubitta Bittiyanstha Effective Interest Rate on Debt % Related Terms


Mahila Laghubitta Bittiyanstha Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Mahila Laghubitta Bittiyanstha's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Mahila Laghubitta Bittiyanstha Effective Interest Rate on Debt % Chart

Mahila Laghubitta Bittiyanstha Annual Data
Trend Jul20 Jul21 Jul22 Jul23 Jul24 Jul25 Jul26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 12.62 16.55 15.60 12.84 11.64

Mahila Laghubitta Bittiyanstha Quarterly Data
Jul20 Oct20 Apr21 Jul21 Oct21 Jul22 Jul23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26 Jul26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 11.05 11.66 11.28 11.13 11.92

Mahila Laghubitta Bittiyanstha Effective Interest Rate on Debt % Competitor Comparison

For the Banks - Regional subindustry, Mahila Laghubitta Bittiyanstha's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Mahila Laghubitta Bittiyanstha Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Mahila Laghubitta Bittiyanstha's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Mahila Laghubitta Bittiyanstha's Effective Interest Rate on Debt % falls into.


XNEP:MLBSL
80GF Score
Mahila Laghubitta Bittiya Sanstha Ltd XNEP:MLBSL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Mahila Laghubitta Bittiyanstha Effective Interest Rate on Debt % Calculation

Mahila Laghubitta Bittiyanstha's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jul. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jul. 2025 )+Total Debt  (A: Jul. 2026 ))/ count )
=-1  *  -337.574/( (3102.474+2697.522)/ 2 )
=-1  *  -337.574/2899.998
=11.64 %

where

Total Debt  (A: Jul. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3102.474 + 0
=3102.474

Total Debt  (A: Jul. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2697.522 + 0
=2697.522

Mahila Laghubitta Bittiyanstha's annualized Effective Interest Rate on Debt % for the quarter that ended in Jul. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Apr. 2026 )+Total Debt  (Q: Jul. 2026 ))/ count )
=-1  *  -333.368/( (2897.213+2697.522)/ 2 )
=-1  *  -333.368/2797.3675
=11.92 %

where

Total Debt  (Q: Apr. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2897.213 + 0
=2897.213

Total Debt  (Q: Jul. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2697.522 + 0
=2697.522

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Jul. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 11.92% mean?
Mahila Laghubitta Bittiyanstha (XNEP:MLBSL) has a Effective Interest Rate on Debt % of 11.92% as of Jul. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Mahila Laghubitta Bittiyanstha and its competitors.
Is Mahila Laghubitta Bittiyanstha's Effective Interest Rate on Debt % too high?
Mahila Laghubitta Bittiyanstha's current Effective Interest Rate on Debt % is 11.92%. Overall, Mahila Laghubitta Bittiyanstha has a GF Score™ of 80/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Mahila Laghubitta Bittiyanstha's Effective Interest Rate on Debt % compare to competitors?
Mahila Laghubitta Bittiyanstha's Effective Interest Rate on Debt % of 11.92% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Mahila Laghubitta Bittiyanstha and its competitors. Mahila Laghubitta Bittiyanstha's current Effective Interest Rate on Debt % is 11.92%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mahila Laghubitta Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, Mahila Laghubitta Bittiyanstha (XNEP:MLBSL) is currently considered Significantly Undervalued. The stock's GF Value™ is NPR3,295.81, compared to a current price of NPR1,055.00 — trading 68% below its estimated fair value. The current Effective Interest Rate on Debt % is 11.92%. Mahila Laghubitta Bittiyanstha's overall GF Score™ is 80/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Mahila Laghubitta Bittiyanstha (XNEP:MLBSL), the current Effective Interest Rate on Debt % is 11.92% as of Jul. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Mahila Laghubitta Bittiyanstha (XNEP:MLBSL) Overvalued in 2026?

Based on GuruFocus' analysis, Mahila Laghubitta Bittiyanstha stock appears to be undervalued. The current stock price of NPR1,055.00 is trading 68% below its estimated GF Value™ of NPR3,295.81. GuruFocus considers Mahila Laghubitta Bittiyanstha to be Significantly Undervalued.

Key valuation signals for XNEP:MLBSL:

  • Effective Interest Rate on Debt %: 11.92%
  • GF Value™: NPR3,295.81 vs. price of NPR1,055.00 (68% below fair value)
  • GF Score™: 80/100

No single metric tells the full story. See the XNEP:MLBSL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Mahila Laghubitta Bittiyanstha Business Description

Address Sanga - 13, Kavre, NPL, 45210
Mahila Laghubitta Bittiya Sanstha Ltd is a financial institution that provides microfinance services in rural and select urban areas of Nepal, targeting low-income and underprivileged populations. It delivers services through branch offices located in various regions across the country. The company's offerings include Saving Products, Loan Products, Scheme, Remittance, Mobile Banking and Digital Partner.
80GF Score

Get the complete analysis for XNEP:MLBSL

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NPR1,055.00
Price
NPR3,295.81
GF Value