| PBV | 6.72 |
| Fiscal Year | 082/083 |
| Quarter | q3 |
| EPS | 52.53 |
| Book Value | RS. 157.84 |
| Paidup Capital | RS. 250000000 |
| Base Rate | 10.84% |
| CD Ratio | 110.28% |
| Spread Rate | 8.88% |
| NPL | 5.14% |
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About Aviyan Laghubitta Bittiya Sanstha Limited
Introduction
Aviyan Laghubitta Bittiya Sanstha Limited is a Class 'D' licensed microfinance institution regulated by the Nepal Rastra Bank (NRB). The institution was incorporated on 2075/12/24 B.S. under the Companies Act, 2063 and received its Class 'D' Financial Institution operating license from Nepal Rastra Bank on 2076/06/01 B.S. in accordance with the Bank and Financial Institution Act, 2073 (BAFIA 2073).
The central office of Aviyan Laghubitta Bittiya Sanstha Limited is located in Panauti Municipality–4, Kavrepalanchok (Kavre), Nepal. The institution is promoted by leading financial institutions, including Nepal Investment Mega Bank Ltd. and Kumari Bank Ltd., providing a strong institutional foundation and professional governance.
As a national-level microfinance institution, Aviyan Laghubitta is dedicated to expanding financial inclusion by providing accessible and responsible financial services to low-income households, rural communities, and economically disadvantaged groups. Through sustainable microfinance solutions, the institution works to improve livelihoods, promote entrepreneurship, and contribute to poverty reduction and inclusive economic development across Nepal.
Our Vision
To be a pioneering microfinance institution dedicated to uplifting low-income communities through inclusive, sustainable, and responsible financial services.
Our Mission
To deliver high-quality microfinance services while promoting financial literacy, social awareness, and economic empowerment among low-income individuals and underserved communities.
Our Goals
Aviyan Laghubitta Bittiya Sanstha Limited is committed to achieving sustainable growth while creating long-term value for customers, communities, and stakeholders through the following goals:
Expand financial outreach to the maximum number of low-income households using proven, efficient, and financially sustainable service delivery models.
Build a well-governed, professionally managed, and ethically driven microfinance institution committed to transparency, accountability, and operational excellence.
Empower women by promoting financial literacy, responsible borrowing, regular savings, entrepreneurship, and access to comprehensive microfinance services.
Improve financial inclusion by extending accessible financial services to underserved rural and marginalized communities.
Support income generation, self-employment, and sustainable livelihood development through responsible microfinance practices.
Contribute to Nepal's poverty reduction efforts by fostering economic resilience and community development.
Our Commitment
Aviyan Laghubitta Bittiya Sanstha Limited believes that inclusive finance is a powerful tool for creating lasting social and economic change. The institution remains committed to:
Delivering responsible, customer-focused microfinance services.
Encouraging savings, financial discipline, and responsible credit utilization.
Supporting women, small entrepreneurs, and rural households in achieving economic self-reliance.
Upholding strong corporate governance, ethical business practices, and regulatory compliance.
Promoting innovation and continuous improvement in microfinance service delivery.
Creating sustainable value for customers, employees, shareholders, and society.
Through its commitment to financial inclusion, responsible lending, and community empowerment, Aviyan Laghubitta Bittiya Sanstha Limited continues to strengthen its role as a trusted national-level microfinance institution, helping underserved communities improve their livelihoods while contributing to Nepal's sustainable socio-economic development.
