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 Savings9.00%
2Special Savings6.00%
3Easy Savings6.00%
4Fixed Savings 3 Months11.6%Minimum Balance NPR 5000
5Fixed Savings 6 Months11.8%Minimum Balance NPR 5000
6Fixed Savings 1 Year11.9%Minimum Balance NPR 5000
7Fixed Savings 2 Year12%Minimum Balance NPR 5000
8Child Education Savings6.00%
9Festival Savings6.00%
10Samunnat Savings8.00%
11Nirdhan Remitance Fixed Saving11%
12Sansthagat Fixed Saving10%
13Sahayatri Savings9%Minimum Balance NPR 12,000 with Quarterly Interest

*Condition Apply

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*
1Personal Savings8.00%
2Group Fund Savings6%
3Center Fund Savings6%
4Sambiridhi SavingsSpecial Scheme*

*Sambridhi Saving Will Double in 14 Years or 168 Months

NULBSL at a Glance, As of April 13, 2022

Total Loan Disbursed (NPR) 187.76 Billion
Number of Branch Office 181
Loan Outstanding (NPR) 27.75 Billion
Number of Centers 21,928
Number of Active Clients 394,140
Number of Regional Office 10
Saving & Deposit (NPR) 17.58 Billion
Total Staff 1194
Working Districts 77
Local Bodies Outreach 548
Number of Loan Clients 235,135
Currency Conversion USD 1=NPR 121.82
Number of Female Staffs 513