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 to 6 Months12.15%Minimum Balance NPR 5000
5Fixed Savings 7 month to 2 years12.55%Minimum Balance NPR 5000
6Child Education Savings6.00%
7Festival Savings6.00%
8Samunnat Savings8.00%
9Nirdhan Remitance Fixed Saving11%
10Sansthagat Fixed Saving10%
11Sahayatri 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 Dec 15, 2022

Total Loan Disbursed (NPR) 202.69 Billion
Number of Branch Office 185
Loan Outstanding (NPR) 27.13 Billion
Number of Centers 22,486
Number of Active Clients 401,322
Number of Regional Office 10
Saving & Deposit (NPR) 18.43 Billion
Total Staff 1,160
Working Districts 77
Local Bodies Outreach 549
Number of Loan Clients 237,935
Currency Conversion USD 1=NPR 131.94
Number of Female Staffs 513