Muktinath is a popular Nepali word which literally means the “God of Salvation”. The bank’s name was derived to prove the meaning by uplifting poor people from their current status to respectful social and economic status. Muktinath Bikas Bank Limited (MNBBL) is a “B” class Development Bank; providing general banking services to all corner of people. MNBBL is the first development bank which is downscaling its operation to serve low-income people. Currently, MNBBL is playing an initiative role to provide microfinance services to poor people from April 2008 (Baisakh 2065). MNBBL is focusing its Micro, Small and Medium Enterprises(MSME) services to rural and underserved households who are striving for financial services. MNBBL has a separate Small and Micro Banking Department which manages microfinance activities of the bank. Under the SMB department, there are MSME service delivery units (Desk) which provides retail services including credit, savings, remittance and social security schemes to the target clientele. Effective client targeting, streamlined loan sanction processes, and strict credit discipline are contributing factors of MNBBL microfinance program to meet its dual objective of financial self-sustainability and outreach.