| PBV | 5.72 |
| Fiscal Year | 082/083 |
| Quarter | q3 |
| EPS | 31.68 |
| Book Value | RS. 150.76 |
| Paidup Capital | RS. 341086036 |
| Base Rate | 11.99% |
| CD Ratio | 101.94% |
| Spread Rate | 8.76% |
| NPL | 10.04% |
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About Himalayan Laghubitta Bittiya Sanstha Limited
Introduction
Himalayan Laghubitta Bittiya Sanstha Limited (HLBSL) is a national-level Class 'D' microfinance institution licensed and regulated by the Nepal Rastra Bank (NRB). It is a subsidiary of Himalayan Bank Limited and was incorporated as a public limited company on 15 March 2011 (1 Chaitra 2067 B.S.) under the Companies Act of Nepal.
The institution received its operating license from Nepal Rastra Bank on 19 April 2012 (7 Baishakh 2069 B.S.) to conduct microfinance activities and officially commenced operations on 5 July 2012 (21 Ashadh 2069 B.S.).
The registered central office of the institution is located in Chabahil, Kathmandu, Nepal.
Since its establishment, Himalayan Laghubitta has been committed to expanding financial inclusion by delivering responsible, reliable, and accessible microfinance services to underserved communities, particularly those with limited access to formal banking services.
Our Purpose
Himalayan Laghubitta Bittiya Sanstha Limited was established to provide quality microfinance services in a competitive and responsible financial environment. The institution supports individuals, families, and small entrepreneurs by providing financial resources that help establish, operate, expand, and strengthen productive enterprises.
Its primary focus is on serving economically disadvantaged households, women, unemployed youth, small entrepreneurs, and rural communities through responsible microfinance services that promote self-employment, entrepreneurship, and sustainable economic development.
By encouraging productive investment and improving access to formal financial services, the institution contributes to poverty reduction and long-term socio-economic progress in Nepal.
Our Services and Focus
Himalayan Laghubitta provides a range of customer-focused financial services designed to improve financial access and economic opportunity, including:
Microcredit for income-generating activities.
Micro-enterprise financing.
Savings products.
Other loan schemes designed for productive sectors.
Remittance services.
Access to insurance-related financial products.
Financial awareness and community support initiatives.
The institution also emphasizes entrepreneurship development, financial literacy, and responsible borrowing to strengthen the long-term financial well-being of its customers.
Our Objectives
Himalayan Laghubitta Bittiya Sanstha Limited is committed to achieving the following objectives:
Provide financial support for micro-enterprises and small business development.
Deliver responsible retail microfinance services to marginalized, low-income, and socially disadvantaged communities.
Promote the growth of micro and small enterprises in rural Nepal.
Encourage savings habits and mobilize local savings for productive investment.
Offer additional financial services, including remittance facilities and insurance-related products.
Create employment opportunities by promoting self-employment and entrepreneurship.
Support the Government of Nepal's poverty reduction initiatives through inclusive financial services.
Deliver sustainable value to customers, communities, and stakeholders through responsible financial management.
Our Vision
To become an economically independent, commercially efficient, and well-established microfinance institution that promotes sustainable financial inclusion and long-term community development.
Our Mission
To provide quality microfinance services to deprived communities, low-income households, and economically disadvantaged individuals, enabling them to establish and expand small-scale enterprises and improve their livelihoods.
Our Commitment
Himalayan Laghubitta Bittiya Sanstha Limited remains committed to delivering secure, transparent, and customer-focused microfinance services that create sustainable economic opportunities for underserved communities across Nepal.
The institution works to empower women, unemployed youth, rural entrepreneurs, and low-income families by combining responsible financial services with entrepreneurship promotion, financial awareness, and community development. Through ethical governance, prudent risk management, and continuous innovation, Himalayan Laghubitta continues to strengthen Nepal's financial inclusion ecosystem while contributing to national economic growth and poverty reduction.
Our Guiding Principle
The institution is guided by a simple belief that hard work, entrepreneurship, and access to financial opportunities can transform lives. By supporting productive individuals and small businesses with responsible financial services, Himalayan Laghubitta helps communities build sustainable livelihoods and create a more prosperous future.