Grameen Bikas Laghubitta (GBLBS)

About Grameen Bikas Laghubitta Bittiya Sanstha Ltd. (GBLBS)

Introduction

Grameen Bikas Laghubitta Bittiya Sanstha Ltd. (GBLBS) is a national-level Class 'D' microfinance institution regulated under the Bank and Financial Institutions Act, 2073 (BAFIA 2073) and licensed by the Nepal Rastra Bank (NRB).

The institution was established on 15 August 2014 (30 Shrawan 2071 B.S.) following the successful merger of the five regional Grameen Bikas Banks that previously operated across Nepal's five development regions. It was incorporated as a public limited company on 30 July 2014 (14 Shrawan 2071 B.S.) under the Companies Act, 2063.

As part of its continued institutional growth, Grameen Bikas Laghubitta Bittiya Sanstha Ltd. merged with Samaj Laghubitta Bittiya Sanstha Ltd. on 19 October 2025 (2 Kartik 2082 B.S.), further strengthening its capacity to deliver inclusive financial services throughout Nepal.

The institution's head office is located in Butwal, Rupandehi District, Lumbini Province.

Originally established as Nepal Grameen Bikas Bank Ltd., the institution adopted its current name, Grameen Bikas Laghubitta Bittiya Sanstha Ltd., following the approval of its Annual General Meeting and the Office of the Company Registrar on 28 Chaitra 2074 B.S.

Our Purpose

Grameen Bikas Laghubitta Bittiya Sanstha Ltd. is committed to reducing poverty and improving the socio-economic condition of rural communities by expanding access to responsible and sustainable microfinance services.

The institution primarily serves economically disadvantaged households, with a special focus on women, through inclusive financial solutions that encourage entrepreneurship, self-employment, savings, and sustainable livelihood development.

GBLBS follows the internationally recognized Grameen Bank Model, pioneered by Professor Muhammad Yunus, Nobel Peace Prize laureate, emphasizing group-based lending, financial inclusion, and community empowerment.

Our Approach

The institution's microfinance model is built upon several core principles:

• Targeting economically disadvantaged and underserved communities.

• Prioritizing women's financial empowerment.

• Group-based lending with collective responsibility.

• Collateral-free microloans.

• Promotion of regular savings and financial discipline.

• Community capacity building and entrepreneurship development.

In addition to financial services, GBLBS implements capacity development programs that strengthen financial literacy, business skills, and community participation, enabling members to build sustainable livelihoods.

Our Objectives

Grameen Bikas Laghubitta Bittiya Sanstha Ltd. is committed to achieving inclusive and sustainable development through the following objectives:

• Provide collateral-free microloans to disadvantaged rural households for agriculture, small businesses, service enterprises, and other income-generating activities.

• Expand access to microfinance services for underserved and financially excluded communities.

• Mobilize financial resources to promote productive investments and local economic development.

• Encourage savings habits and strengthen financial discipline among rural households.

• Empower women through group-based lending, entrepreneurship, and self-employment opportunities.

• Deliver responsible financial intermediation services that contribute to long-term financial inclusion and poverty reduction.

Capital Structure

The institution maintains a strong capital base that supports its nationwide operations and sustainable growth.

• Authorized Capital: NPR 1,500,000,000

• Issued Capital: NPR 1,005,350,000

• Paid-up Capital: NPR 1,005,350,000

Ownership Structure

The ownership of Grameen Bikas Laghubitta Bittiya Sanstha Ltd. is diversified among government, financial institutions, institutional investors, and the general public.

Our Commitment

Grameen Bikas Laghubitta Bittiya Sanstha Ltd. remains committed to delivering responsible, customer-focused, and sustainable microfinance services that improve the lives of underserved communities across Nepal. By combining financial inclusion with entrepreneurship development, women's empowerment, financial literacy, and community capacity building, the institution continues to contribute to poverty reduction and inclusive economic growth.

With a strong foundation built on the Grameen microfinance model, ethical governance, and continuous innovation, Grameen Bikas Laghubitta Bittiya Sanstha Ltd. continues to play a leading role in strengthening Nepal's microfinance sector and promoting long-term socio-economic development.