| PBV | 5.07 |
| Fiscal Year | 082/083 |
| Quarter | q3 |
| EPS | 25.52 |
| Book Value | RS. 179.21 |
| Paidup Capital | RS. 367143409 |
| Base Rate | 12.47% |
| CD Ratio | 201.13% |
| Spread Rate | 8.74% |
| NPL | 6.87% |
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About Aarambha Chautari Laghubitta Bittiya Sanstha Ltd.
Introduction
Aarambha Chautari Laghubitta Bittiya Sanstha Ltd. is a microfinance institution committed to promoting financial inclusion, economic empowerment, and sustainable livelihood development by providing accessible financial services to low-income individuals, households, and micro-entrepreneurs across Nepal.
The institution operates with the belief that access to financial services is a fundamental driver of economic growth and social development. By offering affordable and responsible financial products, Aarambha Chautari Laghubitta Bittiya Sanstha Ltd. helps underserved communities build financial stability, generate income, and improve their quality of life.
What is Microfinance?
Microfinance, also known as microcredit, is a financial service designed for individuals and groups who have limited or no access to traditional banking services. It enables low-income households, small entrepreneurs, and marginalized communities to access financial resources that support income-generating activities and long-term economic development.
Microfinance institutions typically provide:
Microloans ranging from NPR 5,000 to NPR 700,000, depending on eligibility and financing needs.
Savings and deposit services that encourage financial discipline and asset building.
Micro-insurance products that help customers manage financial risks.
Financial literacy and business development support to strengthen entrepreneurship and improve financial decision-making.
These services empower customers to start or expand small businesses, improve household income, invest in education and healthcare, and build greater financial resilience.
Our Commitment
Aarambha Chautari Laghubitta Bittiya Sanstha Ltd. is dedicated to delivering responsible, accessible, and customer-focused microfinance services that create lasting social and economic impact. We are committed to:
Expanding financial access for underserved and low-income communities.
Supporting micro, small, and household enterprises through responsible lending.
Promoting savings habits and financial discipline.
Encouraging entrepreneurship, self-employment, and income generation.
Enhancing financial literacy and business knowledge.
Upholding transparency, ethical practices, and customer trust in every service we provide.
Our Purpose
The primary purpose of microfinance is not only to provide access to credit but also to create opportunities for individuals and families to become financially independent and self-reliant. By offering inclusive financial solutions and empowering customers with the resources and knowledge they need, Aarambha Chautari Laghubitta Bittiya Sanstha Ltd. contributes to poverty reduction, entrepreneurship development, women's economic empowerment, and the sustainable socio-economic development of Nepal.
Through responsible microfinance and a strong commitment to community development, Aarambha Chautari Laghubitta Bittiya Sanstha Ltd. continues to support individuals and small businesses in building a more secure, productive, and prosperous future.