Nirdhan Utthan Laghubitta Bittiya Sanstha

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

Equity & Funding

The authorized capital of Nirdhan Utthan is Rs. 2 Billion. As of January, 2020 the paid-up capital is Rs. 1.5 Billion. The distribution of shares is as follows:

ShareholdersAmount% of Total paid-up Equity
NIRDHAN (The mother NGO) 244,826,900 20.40%
Himalayan Bank Limited (A Commercial Bank) 134,679,100
11.22%
Nabil Bank Limited (A Commercial Bank) 166,140,300
13.85%
Everest Bank Limited (A Commercial Bank) 134,679,100
11.22%
Grameen Trust Bangladesh 18,664,000
1.56%
Private Sector Individuals 94,111,200 7.84%
International Finance Corporation (IFC) 90,523,200 7.54%
Nepal Life Insurance Company Limited 24,000,000
2.00%
General public including clients and staffs 292,376,200 24.37%
Total 1,200,000,000 100%

The NIRDHAN, Himalayan Bank Limited, Nabil Bank Limited, Everest Bank Limited, Grameen Trust Bangladesh, Nepal Life Insurance Company Limited and private sector individuals are promoters of NULBSL. 51% shareholding of the institute is owned by the Promoter Shareholders while 49% is owned by Public Shareholders.

The source of fund of Nirdhan Utthan is shareholder’s equity, client saving and deposit and borrowing from commercial banks and financial institutions.

NULBSL at a Glance, As of Feb 12, 2024

Total Loan Disbursed (NPR) 228.56 Billion
Number of Branch Office 185
Loan Outstanding (NPR) 25.81Billion
Number of Centers 22,715
Number of Active Clients 400,416
Number of Regional Office 10
Saving & Deposit (NPR) 19.45 Billion
Total Staff 1,134
Working Districts 77
Local Bodies Outreach 552
Number of Loan Clients 196,265
Currency Conversion USD 1=NPR 132.86
Number of Female Staffs 500