Deprosc Laghubitta Bittiya Sanstha Limited (DDBL)

About Deprosc Microfinance Financial Institution Limited

Introduction

Deprosc Microfinance Financial Institution Limited is a national-level Class 'D' microfinance institution regulated by the Nepal Rastra Bank (NRB). The institution operates under the Bank and Financial Institutions Act, 2073 (BAFIA 2073) and the Companies Act, 2063.

The company was registered on 28 Poush 2057 B.S. with the Office of the Company Registrar under Nepal's Ministry of Industry, Commerce and Supplies. It received its operating license from Nepal Rastra Bank on 19 Ashadh 2058 B.S. under the name Deprosc Development Bank Limited and officially commenced microfinance operations on 1 Shrawan 2058 B.S.

Since its establishment, Deprosc Microfinance has remained committed to expanding financial inclusion, promoting entrepreneurship, supporting self-employment, and improving the socio-economic conditions of disadvantaged, marginalized, and low-income communities throughout Nepal. Through sustainable and responsible microfinance services, the institution continues to contribute to poverty reduction and inclusive national development.

Shareholding Structure

Deprosc Microfinance Financial Institution Limited has a strong and diversified ownership structure comprising leading financial institutions, development organizations, and public investors.

The promoter shareholding includes:

• Nabil Bank Limited – 9.27%

• Nepal Bank Limited – 9.27%

• Lumbini Development Bank Limited – 9.27%

• Agricultural Development Bank Limited – 7.69%

• Deprosc Nepal (Development Project Service Center) – 9.99%

• Center for Environmental and Agricultural Policy Research, Extension, and Development (CEAPRED) – 0.62%

• Citizen Investment Trust – 0.53%

• Mahila Adarsha Samaj – 0.39%

• Garima Development Bank Limited – 0.19%

• Other Individual Founders – 4.06%

This ownership structure represents 51.27% promoter shareholding and 48.73% public shareholding, reflecting balanced governance and broad stakeholder participation.

Our Vision

To build an economically capable, prosperous, inclusive, and resilient society by expanding access to sustainable microfinance services and promoting financial empowerment.

Our Mission

Deprosc Microfinance Financial Institution Limited is committed to creating sustainable social and economic impact by:

• Promoting entrepreneurship and self-employment opportunities among members.

• Supporting market access for locally produced goods and services.

• Raising awareness on environmental conservation, health, and education.

• Providing technical assistance and collaborating with relevant stakeholders for community development.

• Delivering sustainable microfinance services to disadvantaged, marginalized, and low-income communities, particularly in rural areas with limited access to formal financial institutions.

• Contributing to the economic and social empowerment of underserved populations.

• Conducting customer protection and community welfare initiatives that promote responsible and inclusive finance.

Our Objectives

The institution is dedicated to strengthening Nepal's microfinance sector through responsible financial services, innovation, and sustainable development. Our key objectives include:

• Creating self-employment opportunities for economically disadvantaged communities through accessible microfinance services that increase household income and reduce poverty.

• Expanding banking and financial services to rural and underserved areas of Nepal.

• Providing collateral-free group-based microloans to underprivileged women to improve their social and economic well-being.

• Offering affordable financial support for agriculture, trade, industry, services, and other income-generating enterprises.

• Protecting the rights and interests of customers, shareholders, and other stakeholders while delivering reliable, transparent, and high-quality financial services.

• Promoting productive investment by efficiently utilizing available skills, labor, and capital in employment-generating sectors.

• Supporting entrepreneurship development among youth and marginalized communities through financial services and capacity-building initiatives.

• Mobilizing domestic and external financial resources for the development and expansion of productive enterprises across agriculture, industry, trade, and service sectors.

• Encouraging financial intermediation by mobilizing scattered capital and promoting healthy competition within Nepal's financial sector.

• Strengthening the quality and sustainability of microfinance services through continuous research, innovation, and customer-focused product development.

Our Commitment

Deprosc Microfinance Financial Institution Limited remains committed to responsible banking, financial inclusion, and sustainable community development. By combining innovative microfinance solutions, strong corporate governance, customer protection, and responsible financial management, the institution continues to empower individuals, strengthen rural economies, and contribute to Nepal's long-term socio-economic development.

Through its customer-centric approach and commitment to inclusive finance, Deprosc Microfinance continues to create opportunities for individuals, families, entrepreneurs, and communities to achieve greater financial independence and sustainable prosperity.