Nirdhan Utthan Laghubitta Bittiya Sanstha

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

Microenterprise Loan

The microenterprise loan was introduced in mid-July 2000. This loan targets graduates of collateral free loans. The clients eligible for this loan must have taken General Loan, maintained strong credit discipline, have improved economic condition from previous loans, be willing to contribute at least 20 percent equity (10 percent cash and 10 percent in-kind), submit collateral, and demonstrate an ability to operate a micro-enterprise. The loan size, term and other conditions for this loan are as follows: 

S.No.Loan ProductMaximum Loan Size Rs.Loan TermService ChargeAnnual Interest rateRepayment Frequency
01Individual LoanUpto 15,00,000Upto 10 years1.3%14.38% per annumMonthly / Quarterly
02Micro Enterprise LoanUPto 15,00,000Upto 10 years1.3%14.38% per annumMonthly / Quarterly

NULBSL at a Glance, As of 14 June 2026

Total Loan Disbursed (NPR) 276.57 Billion
Number of Branch Office 185
Loan Outstanding (NPR) 29.23 Billion
Number of Centers 23,025
Number of Active Clients 404,393
Number of Regional Office 10
Saving & Deposit (NPR) 22.13 Billion
Total Staff 1,055
Working Districts 77
Local Bodies Outreach 555
Number of Loan Clients 191,556
Currency Conversion USD 1=NPR 152.18
Number of Female Staffs 461
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Nirdhan Utthan Laghubitta Bittiya Sanstha, "the bank for upliftment of the poor" is a microfinance bank established in November 1998 under Company Act of Nepal 1997 (now Company Act 2006)