Nirdhan Utthan Laghubitta Bittiya Sanstha

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

Strategic Alliances

Nirdhan Utthan has established strategic alliances with the following international and national organizations:

  • Grameen Trust, Bangladesh
  • Credit & Saving for Hard-core Poor in Asia & Pacific (CASHPOR), a Philippines based Network
  • Save The Children Federation-USA working closely with Nirdhan/NULBSL since July 1997
  • PLAN International began working with Nirdhan/NULBSL in October 1998. The partnership continues in capacity building and outreach expansion areas Centre for Micro-Finance (CMF), Nepal
  • The Micro-finance Association of Nepal (MIFAN)
  • The Rural Micro-Finance Development Centre (RMDC), a wholesale lending institution promoted by the Asian Development Bank
  • Nirdhan Utthan Bank contributes to the Micro Banking Bulletin and participant in The MIX (microfinance information exchange)
  • The Consultative Group to Assist the Poor (CGAP) began to work in April 2001 to strengthen internal capacity and systems of Nirdhan Utthan Bank
  • The International Labor Organization (ILO) and NULBSL had worked jointly for providing microfinance services to ex-Kamaiyas (bonded labor) in Banke and Dang districts
  • Mercy Corps and Nirdhan Utthan  had worked together for “Access to finance in the remote eastern hills of Nepal” and “Global food crisis response project in farwestern part of Nepal”
  • UNDP/UNCDF supported Enhancing Access to Financial Services Project (EAFSP) implemented by Nepal Rastra Bank (Central Bank) to enhance financial services in hilly and remote terrain area
  • USAID supported Nepal Economics Agriculture and Tade Activities (NEAT) project
  • Good Return/World Education Project
  • The World Bank Supported AGRIFIN project
  • KIVA
  • The Department for International Development (DFID) funded Sustainable Access to Finance And Livelihoods (SAFAL) Project of MERCY-CORPS
  • The Department for International Development (DFID) funded Sustainable Access to Finance And Livelihoods (SAFAL) Project of Blue Berry Hill Charitable Trust (BHCT)/Sambridh Pahad.


Currently, Nirdhan Utthan  is working together with following national and international organizations:

  • SAKCHYAM (A DFID Project)
  • International Finance Cooperation (IFC)
  • Whole Planet Foundation (WPF)

NULBSL at a Glance, As of April 12, 2024

Total Loan Disbursed (NPR) 233.75 Billion
Number of Branch Office 185
Loan Outstanding (NPR) 26.32 Billion
Number of Centers 22,741
Number of Active Clients 400,299
Number of Regional Office 10
Saving & Deposit (NPR) 19.78 Billion
Total Staff 1,138
Working Districts 77
Local Bodies Outreach 552
Number of Loan Clients 192,498
Currency Conversion USD 1=NPR 133.10
Number of Female Staffs 506