Nirdhan Utthan Laghubitta Bittiya Sanstha

Nirdhan Utthan is a pioneer microfinance institution involved in extending financial services to low income group in Nepal. 

Client Savings

NULBSL offers different savings products for its members. These savings are useful for members when they need funds for health, education and consumption. Furthermore, the savings products encourage the members to save for the future. There are 4 types of saving products offered to the members, they are: Personal Savings, Group Fund Savings, Center Fund Savings and Sambriddhi Savings.

SNProduct NameRate Of Interest %Remarks*
1Nari Bachat7.50%Minimum Balance NPR 50
2Personal Savings7.50%Minimum Balance NPR 50
3Center Fund Savings7.50%Minimum Balance NPR 0.00
4Individual Saving7.50%Minimum Balance NPR 100
5Sambiridhi SavingsSpecial Scheme*
Mobile Banking charge:Rs. 150Per year/Per account
SMS chargeRs.50Per year

*Sambridhi Savings will double in 14 years or 168 months if, regularly make monthly  saving deposits as per the agreement.

NULBSL at a Glance, As of 14 May 2026

Total Loan Disbursed (NPR) 274.96 Billion
Number of Branch Office 185
Loan Outstanding (NPR) 29.15 Billion
Number of Centers 23,018
Number of Active Clients 404,016
Number of Regional Office 10
Saving & Deposit (NPR) 22.10 Billion
Total Staff 1,052
Working Districts 77
Local Bodies Outreach 555
Number of Loan Clients 191,031
Currency Conversion USD 1=NPR 153.14
Number of Female Staffs 460