| PBV | 8.31 |
| Fiscal Year | 082/083 |
| Quarter | q3 |
| EPS | 18.29 |
| Book Value | RS. 148.7 |
| Paidup Capital | RS. 133100000 |
| Base Rate | 13.96% |
| CD Ratio | 96.63% |
| Spread Rate | 7.92% |
| NPL | 23.62% |
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About Dhaulagiri Laghubitta Bittiya Sanstha Ltd. (DLBSL)
Introduction
Dhaulagiri Laghubitta Bittiya Sanstha Ltd. (DLBSL) is a national-level Class 'D' microfinance institution licensed by the Nepal Rastra Bank (NRB), the central bank of Nepal. The institution was incorporated as a Public Limited Company on 3 July 2018 under the Companies Act, 2063 and received its operating license from Nepal Rastra Bank on 19 February 2019.
The corporate head office is located at Baglung Municipality–2, Shreenagar Tole, Baglung, Nepal. DLBSL was established with the objective of expanding access to formal financial services for rural, unbanked, and underserved communities while contributing to poverty reduction through increased production, productivity, entrepreneurship, and sustainable economic development.
The institution provides responsible and inclusive microfinance services that empower low-income households, women, small farmers, and rural entrepreneurs to improve their livelihoods through financial inclusion and income-generating opportunities.
Our Background
The foundation of Dhaulagiri Laghubitta Bittiya Sanstha Ltd. can be traced to the Dhaulagiri Community Resource Development Center (DCRDC), which launched its Savings and Credit (Microfinance) Program in 2054 B.S. in partnership with the Micro Credit Project for Women (MCPW).
Following the completion of the project, DCRDC continued the microfinance program in response to strong community demand and the positive socio-economic impact it had on poor, landless, and disadvantaged households. In 2058 B.S., DCRDC obtained a Financial Intermediary License from Nepal Rastra Bank and secured financial support from the Rural Microfinance Development Centre (RMDC) to expand its microfinance services.
In addition to providing savings and credit services, DCRDC implemented complementary community development initiatives, including livelihood improvement, entrepreneurship development, and capacity-building programs. In collaboration with the Micro Enterprise Development Programme (MEDP), Myagdi, and with support from UNDP, the organization also conducted entrepreneurial and skills development training to strengthen clients' income-generating capacity.
Building on this strong foundation and years of community experience, Dhaulagiri Laghubitta Bittiya Sanstha Ltd. was established as an independent national-level microfinance institution to continue promoting financial inclusion and sustainable rural development.
Our Vision
To become a leading microfinance institution committed to improving the quality of life of economically disadvantaged people by providing inclusive, responsible, and sustainable microfinance services, while contributing to poverty reduction throughout Nepal.
Our Mission
To expand and strengthen sustainable access to quality financial services for economically active poor households in rural, urban, and semi-urban areas by continuously developing inclusive and responsible microfinance services.
Our Goals
Dhaulagiri Laghubitta Bittiya Sanstha Ltd. is committed to achieving sustainable financial inclusion and long-term community development through the following goals:
Expand microfinance services to reach the maximum number of economically disadvantaged households.
Promote sustainable livelihood opportunities through responsible financial services.
Build a professionally managed, financially sustainable, and ethically governed institution.
Develop a motivated, skilled, and customer-focused workforce.
Support entrepreneurship, income generation, and financial empowerment among underserved communities.
Contribute to poverty reduction through inclusive and responsible microfinance practices.
Our Objectives
The institution works to improve the socio-economic condition of rural communities by:
Providing accessible microfinance services to underserved and low-income households.
Encouraging investment in income-generating and productive economic activities.
Promoting savings, financial literacy, and responsible borrowing.
Supporting entrepreneurship and self-employment opportunities.
Empowering women and marginalized communities through inclusive financial services.
Contributing to sustainable rural development and economic resilience.
Our Commitment
Dhaulagiri Laghubitta Bittiya Sanstha Ltd. remains committed to delivering responsible, transparent, and customer-focused microfinance services that create lasting social and economic impact. By combining financial inclusion with entrepreneurship development, financial literacy, and community empowerment, the institution continues to strengthen rural economies and improve the quality of life of underserved communities across Nepal.
Through innovation, ethical governance, and sustainable financial practices, DLBSL continues to play an important role in advancing Nepal's financial inclusion agenda and supporting inclusive national development.
