Nirdhan Utthan Laghubitta Bittiya Sanstha

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

Public Deposits

NULBSL taking permission from the central bank (Nepal Rastra Bank), has started collecting deposits from general public. Under this category, NULBSL offers Easy Savings, Special Savings, Staff Salary Savings (Employee), Child Education Savings, Festival Savings and Fixed Deposits with maximum of 2 years maturity.

SNProduct NameRate Of Interest %Remarks*
1Staff Salary Savings7.75%Minimum Balance NPR 500
2Special Savings7.50%Minimum Balance NPR 500
3Sahayatri Savings7.50%Minimum Balance NPR 500
4Samunnat Savings7.50%Minimum Balance NPR 500
5Easy Savings7.50%Minimum Balance NPR 100
6Festival Savings7.50%Minimum Balance NPR 500
7Child Education Savings7.50%Minimum Balance NPR 500
8Fixed Savings 6 Months7.50%Minimum Balance NPR 5000
9Fixed Savings 1 years7.50%Minimum Balance NPR 5000
Fixed Savings 2 years7.50%Minimum Balance NPR 5000
10Sansthagat Fixed Saving 1 year7.50%Minimum Balance NPR 5000
Sansthagat Fixed Saving 2 year7.50%Minimum Balance NPR 5000
11Nirdhan Remittance Fixed Saving8.50%Minimum Balance NPR 5000
Mobile Banking charge:Rs. 150Per year/ Per account
SMS chargeRs.50Per year

*Condition Apply

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