list of microfinance in Nepal and their area


Nepal is one of the countries with a population of 2.5 Crore and still half of its population has no access to financial services. The government of Nepal promoted microfinance companies by providing subsidized loans, not much legal hindrance for registration, and no paid-up capital requirement. The main reason behind this initiative is to enable the poor and deprived community to access banking services. The below table displays the list of microfinance in Nepal till April 2020.

Concept of Microfinance in Nepal;

After learning from Bangladesh, the country where the microfinance initiative was born and succeeded, the government of Nepal also allowed the company to register without any paid-up capital to provides similar services in Nepal.

SARC (South Asian Regional Cooperation) countries share a similar challenge where most of the country’s population lives under the poverty line and they are out of the financial services.

The concept of microfinance in Nepal is to provide financial services, including micro-credit, micro-savings to poor and disadvantaged communities. Allow them to carry out micro-business activities from where they can lift their financial condition.

While corporate banks A, B, C-class financial institutions have not reached the rulers and poor communities. Microfinance companies in Nepal have emerged to fill these gaps, with the result that now there are 90 microfinance banks in Nepal.

Who oprates microfiance in nepal?

Although there are 90 microfinance companies in Nepal they have different areas of the operation. Some microfinance companies are limited in one district, some are few districts and some have a national level of operation.

Other financial institutions such as cooperative also can work in the microfinance sector, Mostly microfinance institutions fave focused on the women, because, culturally they have deprived of the financial decision in a family.

Now the A-class commercial banks also operate the microfinance services, because, central bank requires that some portion of their capital should go to the deprived communities. If any commercial bank which has not operated a microfinance program it should provide the fund to the microfinance institution through wholesales landing.

Microfinance function in Nepal

  1. To Disburse micro-credit, with or without any movable or immovable property as the collateral or security, for operating any micro-enterprise prescribed by the Rastra Bank to any project, any group or a member thereof which/who have regularly saved for the period and maintained the prescribed saving,
  2. To accept loans or grants from any bank or financial institution or native or foreign organization or institution, and use such loans or grants for the supply of micro-credit or for making the same effect.
  3. Obtain a loan from the Nepal central bank or from any foreign organization.
  4. Prior to disbursing micro-credits, evaluating the schemes for which micro-credits have been requested and determining whether or not they are feasible,
  5. To provide necessary services and consultation to groups with regard to the mobilization of microfinance,
  6.  carry out necessary actions for recovery of the microcredits on time,
  7.  To accept deposits and refund such deposits subject to the limit prescribed by the Rastra Bank by getting approval of the Rastra Bank,
  8. To issue shares, debentures, bonds, etc. for the purpose of meeting the capital fund requirements,
  9.  exchange information or notices on debtors or customers who have obtained credit or any kind of facility from it and other banks or financial institutions with the Rastra Bank or any other bank or financial institutions.
  10. carry out such other functions as prescription of the Rastra

List of the development of Nepal

list of microfinance in Nepal;

Date (A.D.)
Head OfficePaid up Crorer
Working Area
1Nirdhan Utthan Laghubitta Bittiya Sanstha Ltd.1999/07/17Naxal, Kathmandu150.00National Level
2RMDC Laghubitta Bittiya Sanstha Ltd.1999/12/06Putalisadak, Kathmandu89.93National Level
3Deprosc Laghubitta Bittiya Sanstha Ltd.2001/07/03Bharatpur, Chitwan100.54National Level
4Chhimek Laghubitta Bittiya Sanstha Ltd.2001/12/10Old Baneshwor, Kathmandu150.00National Level
5Shawalamban Laghubitta Bittiya Sanstha Ltd.2002/02/22Lalcolony Marg, Kathmandu79.24National Level
6Sana Kisan Bikas Laghubitta Bittiya Sanstha
2002/03/11Subidhanagar, Kathmandu100.02National Level
7Nerude Laghubitta Bittiya Sanstha Ltd.2007/06/15Biratnagar, Morang45.73National Level
8Naya Nepal Laghubitta Bittiya Sanstha Ltd.2009/03/20Dhulikhel, Kavre10.084-10 District Level (Kavre, Ramechhap, Sindhuli, Mahottari, Dhanusa, Siraha, Saptari, Sunsari, Morang, Jhapa)
9Mithila Laghubitta Bittiya Sanstha Ltd.2009/04/29Dhalkebar, Dhanusha10.5910+5 District Level (Sindhuli, Mahottari, Dhanusa, Siraha, Sarlahi, Saptari, Rautahat, Udaypur, Bara, Ramechhap,Sindhupalchowk,Kavrepal anchowk,Nuwakot,Dolakha,Okhaldhun
10Summit Laghubitta Bittiya Sanstha Ltd.2009/05/20Birtamod, Jhapa25.4310+5 District Level (Jhapa, Morang, Sunsari, Taplejung, Ilam, Panchthar, Udayapur, Saptari, Siraha, Dhankuta, Bhojpur, Sankhuwasava, Solukhumbhu,Okhaldhunga,Khotang)
11Sworojagar Laghubitta Bittiya Sanstha Ltd.2009/12/16Banepa, Kavre34.16National Level
12First Microfinance Laghubitta Bittiya Sanstha
2009/12/28Gyaneshwor, Kathmandu80.07National Level
13Nagbeli Laghubitta Bittiya Sanstha Ltd.2010/02/04Birtamod, Jhapa21.134-10 District Level (Jhapa, Morang, Ilam,Panchthar,Taplejung,Terhathum, Dhankuta,Sunsari,Saptari,Udayapur)
14Kalika Laghubitta Bittiya Sanstha Ltd.2020/01/08*Waling, Syangja25.23National Level
15Mirmire Laghubitta Bittiya Sanstha Ltd.2010/09/23Banepa, Kavre18.6725 District (Rasuwa, Nuwakot, Dhading, Dolkha, Gulmi, Kavrepalanchowk, Makawanpur, Chitwan, Nawalparasi, Palpa, Rukum, Rolpa, Salyan, Arghakhachi, Pyuthan, Solukhumbhu, Okhaldhunga, Khotang,Sindhuli, Surkhet, Bara, Parsa, Rupendehi, Banke, Kailali)
16Janautthan Samudayik Laghubitta Bittiya Sanstha Ltd.2010/11/09Butwal, Rupandehi6.3419 District Level (Kailali, Kanchanpur, Banke, Bardiya, Dang, Kapilvastu, Rupandehi, Nawalparasi East, Nawalparasi West, Chitwan, Parsa, Surkhet, Dadeldhura, Gulmi,Palpa, Tanahu, Arghakhachi, Pyuthan, Salyan)
17Womi Laghubitta Bittiya Sanstha Ltd.12/16/2019Banepa, Kavre25.26National Level
18Laxmi Lighubitta Bittiya Sanstha Ltd.2012/06/04Maharajgunj, Kathmandu27.83National Level
19Civil Laghubitta Bittiya Sanstha Ltd.2012/07/05Chuchepati , Kathmandu11.41National Level
20Mahila Sahayatra Laghubitta Bittiya Sanstha
2012/12/25Chitlang, Makwanpur12.10National Level
21Kisan Microfinance Bittiya Sanstha Ltd.2013/01/16Lamkichuha, Kailali8.6010+5 District (Kailali, Achham, Bajura, Bajhang, Baitadi, Darchula, Kalikot, Humla, Mugu, Doti, Dadheldhura, Dailekh, Salyan,
Jajarkot, Jumla)
22Vijaya Laghubitta Bittiya Sanstha Ltd.2013/03/28Gaidakot, Nawalparasi22.40National Level
23NMB Laghubitta Bittiya Sanstha Ltd.2013/03/31Pokhara-Hemja, Kaski40.50National Level
24FORWARD Community Microfinance Bittiya
Sanstha Ltd.
2013/05/17Duhabi Bhaluwa, Sunsari50.04National Level
25Global IME Laghubitta Bittiya Sanstha Ltd.2013/05/19Besisahar, Lamjung25.96National Level
26Mahuli Laghubitta Bittiya Sanstha Ltd.2013/06/15Bakdhuwa, Saptari10.2010+5 District Level (Saptari, Siraha, Udayapur, Khotang, Sunsari, Bhojpur, Okhaldhunga, Sindhuli, Dhankuta, Ramechhap,Terhathum,Sankhuwasab ha,Solukhumbu,Sarlahi,Mahottari)
27Suryodaya Laghubitta Bitiya Sanstha Ltd.2/22/2020Putalibazar, Syanja21.5023 District Level (Baglung, Myagdi, Parbat, Syanja, Manang, Lamjung, Mustang, Gulmi, Pyuthan, Rolpa,Nawalparasi E.,Nawalparasi W., Rupandehi, Kapilbastu, Dang,
Banke, Bardiya, Salyan)
28Meromicrofinance Laghubitta Bittiya Sanatha
2013/07/18Battar, Nuwakot85.51National Level
29Samata Laghubitta Bittiya Sanatha Ltd.2013/08/25Pipra, Simara19.1110 District Level (Bara,Rautahat,Sarlahi,Mahottari,Sind huli, Parsa,Sunsari,Dhanusa, Udaypur, Chitwan)
30RSDC Laghubitta Bitiya Sanstha Ltd.2013/09/11Butwal, Rupandehi67.15National Level
31Samudayik Laghubitta Bitiya Sanstha Ltd.2014/04/13Panchkhal, Kavre10.004-10 District Level (Sindhupalchowk, Kavrepalanchowk, Dolakha, Ramechhap, Solukhumbu,Okhaldhunga, Nuwakot, Khotang, Bhojpur, Sankhuasabha)
32National Microfinance Laghubitta Bittiya
Sanstha Ltd.
2014/07/02Nilkantha, Dhading26.40National Level
33Grameen Bikas Laghubitta Bittiya Sanstha Ltd.2014/8/15*Butawal, Rupandehi98.25National Level
34Nepal Sewa Laghubitta Bittiya Sanstha Ltd.2014/10/26Phataksila, Sindhupalchok6.00Province No. 3
35Unnati Laghubitta Bittiya Sanstha Ltd.2014/11/07Siddarthanagar, Rupandehi8.8310+5 District Level (Rupandehi, Palpa, Pyuthan, Kapilvastu, Arghakhhachi, Gulmi, Parbat, Baglung, Myagdi, Mustang, Syangja,
Kaski, Rolpa, Salyan, Surkhet)
36Swadeshi Lagubitta Bittiya Sanstha Ltd.2014/12/31Itahari, Sunsari27.60National Level
37NADEP Laghubitta Bittiya Sanstha Ltd.2015/05/15Gajuri, Dhading36.80National Level
38Support Microfinance Bittiya Sanstha Ltd.2015/07/12Hasposa, Itahari6.004-10 Distrit Level (Sunsari, Terathum, Dhankuta, Panchthar, Bhojpur, Udayapur, Khotang, Sindhuli, Ramechhap, Makwanpur)
39Aarambha Laghubitta Bittiya Sanstha Ltd.2015/07/23Ugratara, Kavrepalanchok6.0010+5 District Level(Sindhupalchok, Nuwakot, Dolakha, Ramechhap, Sindhuli, Okhaldhunga, Khotang, Bhojpur, Terathum, Dhankuta, Kavrepalachok, Dhading, Gorkha, Tanahu, Kaski)
40Chautari Laghubitta Bittiya Sanstha Ltd.2016/01/03Butawal, Rupandehi18.6010+5 District Level(Nawalparasi,Rupandehi,Kapilva stu,Gulmi,Arghakhachi,Palpa,Rolpa,Da ng,Salyan,E.Rukum,W.Rukum,Jajarkot
41Ghodighoda Laghubitta Bittiya Sanstha Ltd.2016/06/12Sripur Belouri, Kanchanpur2.764-10 District Level (Kailali,Kanchanpur,Banke,Bardiya,Da ng,Surkhet,Doti,Dadeldhura,Baitadi,Da rchula)
42Asha Lagubitta Bittiya Sastha Ltd.2016/08/29Madanpur Nuwakot23.23National Level
43Nepal Agro Microfinance Bittiya Sastha Ltd.2016/09/20Pokhara, Kaski5.724-10 District Level (Kaski, Parbat, Baglung, Gulmi, Pyuthan, Rolpa, Tanahun, Salyan, Palpa, Lamjung)
44Gurans LaghuBitta Bittiya Sastha Ltd.2016/11/16Dhankutabazaar, Dhankuta8.34Province No. 1
45Ganapati Microfinance Bittiya Sastha Ltd.2016/12/09Shuklagandaki, Tanahu11.07National Level
46Infinity Laghubitta Bittiya Sanstha Ltd2017/01/20Gaidakot, Nawalparasi22.81National Level
47Adhikhola Laghubitta Bittiya Sanstha Ltd.2017/02/12Bhirkot, Syangja10.004-10 District Level (Syangja, Kaski, Lamjung, Tanahu, Nawalparasi, Rupandehi, Palpa, Arghakhachi, Gulmi, Kapilvastu)
48Swabhiman Laghubitta Bittiya Sanstha Ltd.2017/05/22Tilottama, Rupandehi7.674-10 Dostroct Level ( Rupendehi, Gulmi, Rolpa, Salyan, Syangja, Palpa, Arghakhachi, Nawalparasi, Kabilbastu, Pyuthan)
49Sparsha Laghubitta Bittiya Sanstha Ltd.2017/07/13Pokhara Lekhnath, Kaski9.374-10 District Level (Kaski, Baglung, Myagdi, Lamjung, Tanahu, Nawalparasi, Parbat, Gulmi, Arghakhachi, Gorkha)
50Sabaiko Laghubitta Bittiya Sanstha Ltd.2017/07/14Bandipur, Tanahu18.65National Level
51Sadhana Laghubitta Bittiya Sanstha Ltd.2017/10/30Gorkha, Gorkha14.70National Level
52NIC Asia Laghubitta Bittiya Sanstha Ltd.2017/11/21Bherimalika, Jajarkot100.45National Level
53Sarathi Laghubitta Bittiya Sanstha Ltd.12/20/2019Byas, Tanahu11.04National Level
54Manakamana Laghubitta Bittiya Sanstha Ltd.2018/02/18Siddarthanagar, Ruphandehi6.834-10 District Level (Rupandehi, Kabilbastu, Syangja, Palpa, Gulmi, Arghakhachi)
55Sahakarya Laghubitta Bittiya Sanstha Ltd.2018/02/01Hariwan, Sarlahi3.634-10 District Level (Sarlahi,Rautahat,Mahottari,Udayapur, Sindhuli,Ramechhap,Dolakha,Okhaldh unga,Khotang,Solukhubu)
56Sajeelo Laghu Bitta Bittiya Sanstha Ltd.2018/02/07Gorkha, Gorkha14.00National Level
57Buddha Jyoti Laghubitta Bittiya Sanstha Ltd.2018/06/20Lumbini Sanskritik, Rupundehi1.204-10 District Level(Palpa, Arghakhanchi, Gulmi,Baglung, Rupundehi, Nawalparasi, Kapilbastu, Mustang, Myagdi,Rukum )
58Samaj Laghubitta Bittiya Sanstha Ltd.2018/05/15Malangawa,Sarlahi1.141-3 District Level (Sarlahi, Mahottari, Dhanusha)
59Dibya Laghubitta Bittiya Sanstha Ltd.2018/08/08Namobuddha, Kavrepalanchok7.70National Level
60Cweda Laghubitta Bittiya Sanstha Ltd.2018/09/27Dhunibeshi, Dhading1.384-10 District (Kathmandu, Dhading, Gorakha, Lamjung, Tanaun, Bara, Parsa, Chitawan, Nawalparasi and Rupendehi)
61Grameen Swayamsewak Laghubitta Bittiya
Sanstha Ltd.
2018/10/01Hariwan, Sarlahi4.20Province No. 2
62Mahila Laghubitta Bittiya Sanstha Ltd.2018/10/18Banepa, Sanga, Kavrepalanchok6.00National Level
63Manushi Laghubitta Bittiya Sanstha Ltd.2018/11/17Banepa, Bhaisepati, Kavrepalanchok7.00National Level
64Adarsha Laghubitta Bittiya Sanstha Ltd.2018/12/16Banepa, Kavrepalanchok1.40Province No. 3
65Unique Nepal Laghubitta Bittiya Sanstha Ltd.2018/12/16Kohalpur, Banke6.304 - 10 District (Bardiya, Banke, Kailali, Kanchanpur, Dang, Kapilbastu,Rupandehi, Nawalparasi, Surkhet, Dadeldhura)
66Smart Laghubitta Bittiya Sanstha Ltd.2019/02/10Ghorahi, Dang1.404 - 10 District ( Dang, Pyuthan, Rolpa, Rukum, Salyan, Banke, Bardiya, Kailali, Aghakanchi, Kapilbastu )
67Mahila Samudayik Laghubitta Bittiya Sanstha Limited2019/02/27Ghorahi, Dang4.2010 District (Dang, Pyuthan, Rolpa, Rukum, Salyan, Banke, Bardiya, Kailali, Kapilbastu, Rupandehi)
68Jalpa Laghubitta Bittiya Sanstha Limited2019/03/15Pokhara, Kaski7.0010 District (Kaski, Tanahu, Lamjung, Gorkha, Syangja, Dhaging, Chitwan, Nawalparasi, Rupandehi, Palpa)
69Solve Laghubitta Bittiya Sanstha Limited2019/02/13Dhankuta–54.20Province No. 1
70Rastra Utthan Laghubitta Bittiya Sanstha
2019/02/20Banepa, Kavrepalanchok17.50National Level
71WEAN Laghubitta Bittiya Sanstha Limited2019/04/08Galchhi, Dhading1.46Province No. 3
72Upakar Laghubitta Bittiya Sanstha Limited2019/03/27Kohalpur, Banke4.20Province No. 5
73Dhaulagiri Laghubitta Bittiya Sanstha Limited2019/02/19Baglung -2 , Baglung7.00National Level
74CYC Nepal Laghubitta Bittiya Sanstha Limited2019/03/15Baglung -3, Baglung7.00National Level
75NESDO Samriddha Laghubitta Bittiya Sanstha
2019/03/05Kushma, Parbat7.00National Level
76Swastik Laghubitta Bittiya Sanstha Limited2019/03/26Lahan, Siraha1.20Province No. 2
77Garibi Nyunikaran Laghubitta Bittiya Sanstha
2019/03/11Rajbiraj, Saptari1.40Province No. 2
78Shrijanshil Laghubitta Bittiya Sanstha Limited2019/03/15Golbazar, Siraha7.00National Level
79NRN Laghubitta Bittiya Sanstha Limited9/10/2019Dhanagadhi, Kailali20.92National Level
80Jiban Bikash Laghubitta Bittiya Sanstha Limited2019/02/28Katahari , Morang14.00National Level
81Gharelu Laghubitta Bittiya Sanstha Limited2019/03/12Banepa, Kavrepalanchok7.04National Level
82Janakpur Laghubitta Bittiya Sanstha Limited2019/03/15Janakpurdham, Dhanusha3.48Province No. 2
83BPW Laghubitta Bittiya Sanstha Limited2019/04/15Banepa, Kavrepalanchok2.03Province No. 3
84Aatmanirbhar Laghubitta Bittiya Sanstha Limited2019/04/15Ghorahi, Dang4.20Province No. 5
85Shaligram Laghubitta Bittiya Sanstha Limited2019/08/20Beni, Myagdi1.68Gandaki Province
86Super Laghubitta Bittiya Sanstha Limited2020/01/15Tulshipur, Dang1.95Province No. 5
87Aviyan Laghubitta Bittiya Sanstha Limited2019/12/17Panauti, Kavre15.25National Level
88Deurali Laghubitta Bittiya Sanstha Limited2020/01/25Butwal, Rupandehi2.40Province No. 5
89Nawa Kiran Laghubitta Bittiya Sanstha Limited2020/03/15Dhulikhel, Kavre6.76National Level
90Khaptad Laghubitta Bittiya Sanstha LimitedGodawari, Kailali2.68Province No. 7
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