Nirdhan Utthan Laghubitta Bittiya Sanstha

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

General Loan (साधारण कर्जा)

The general loan is a loan with monthly/quarterly repayments. Clients make monthly payments mostly during center meetings. A center is a meeting place, where group members perform their financial transactions such as repayment, withdrawals, deposit etc. Generally a group is composed of five members. The interest rate is 14.38% on declining basis if the clients pay the installment in center meeting. Before a woman can become member of NULBSL, and hence eligible for loans, she must complete the compulsory group training (minimum 7 days) and pass the group recognition test.

SNMaximum Loan Size Rs.Loan TermService Charge (सेवा शुल्क)Annual Interest Rate on declining balance (ब्याज दर)Repayment Frequency
1Upto 1,00,000 (Group Gurantee Base)Maximum 2 year1.3%13.88 % per annumMonthly/Quaterly
2Upto 7,00,000 (Group Gurantee Base)Maximum 7 years1.3%13.88 % per annumMonthly/Quaterly
3Upto 25,000 (Family Gurantee Base)Maximum 1 Year1.3%13.88 %Monthly/Quaterly

NULBSL at a Glance, As of 16th Sep 2026

Total Loan Disbursed (NPR) 280.560 Billion
Number of Branch Office 185
Loan Outstanding (NPR) 28.906 Billion
Number of Centers 23,050
Number of Active Clients 404,585
Number of Regional Office 10
Saving & Deposit (NPR) 22.484 Billion
Total Staff 1,053
Working Districts 77
Local Bodies Outreach 555
Number of Loan Clients 190,365
Currency Conversion USD 1=NPR 153.54
Number of Female Staffs 468