About Swabhimaan Laghubitta Bittiya Sanstha Limited (SMFBS)
Promoting Financial Inclusion and Community Empowerment in Lumbini Province
Swabhimaan Laghubitta Bittiya Sanstha Limited (SMFBS) is a Province-Level Class 'D' Microfinance Financial Institution licensed by Nepal Rastra Bank (NRB) to provide inclusive, sustainable, and responsible microfinance services across Lumbini Province, Nepal.
The institution was incorporated as a Public Limited Company on 17 August 2016 and received its operating license from Nepal Rastra Bank on 9 May 2017. Since its establishment, SMFBS has been committed to becoming a trusted and reliable microfinance institution by expanding access to financial services for low-income and economically disadvantaged communities.
Serving Communities Across Lumbini Province
SMFBS is authorized to operate within Lumbini Province, serving communities in the following districts:
Rupandehi
Kapilvastu
Palpa
Salyan
Rolpa
Pyuthan
Nawalparasi
Gulmi
Arghakhanchi
Dang
Banke
Bardiya
The institution's Central Office is located at Tilottama Municipality–5, Manigram, Rupandehi District, Nepal.
Currently, SMFBS delivers its services through a network of 36 branch offices operating across eight districts, continuously expanding access to formal financial services for underserved communities.
Inclusive Microfinance Services
The primary business of Swabhimaan Laghubitta Bittiya Sanstha Limited is providing microfinance services that promote financial inclusion and improve the socio-economic conditions of low-income households.
The institution offers a range of financial services, including:
Microcredit services
Savings products for individual members and groups
Remittance services
Community-based financial inclusion programs
Its lending methodology focuses on clearly defined target groups—particularly women—through group-based lending, collateral-free financing, and community-centered financial services inspired by internationally recognized microfinance practices.
The institution mobilizes financial resources through:
Individual member savings
Group savings
Borrowings from financial institutions
Shareholders' equity
This diversified funding structure supports the long-term sustainability of its microfinance operations.
Empowering Communities Through Capacity Development
In addition to providing financial services, SMFBS places strong emphasis on community development and financial literacy.
The institution implements capacity-building programs that help customers improve financial management skills, strengthen entrepreneurship, and create sustainable income-generating opportunities.
SMFBS follows the Grameen Bank model, pioneered by Professor Muhammad Yunus in Bangladesh, adapting its group-based lending approach to meet the needs of local communities in Nepal.
Strong Institutional Foundation
Swabhimaan Laghubitta Bittiya Sanstha Limited was established by 15 experienced promoters with extensive backgrounds in banking, finance, and organizational leadership, together with a national-level commercial bank.
Prime Commercial Bank Limited is the institution's principal institutional promoter and major shareholder, providing strategic support for sustainable institutional development.
The institution currently maintains:
Authorized Capital: NPR 1.30 billion
Issued Capital: NPR 12.17 million
Paid-up Capital: NPR 12.17 million
Vision
To be a trusted and leading microfinance institution dedicated to improving the quality of life of deprived communities in Lumbini Province through inclusive and sustainable microfinance services.
Mission
To provide sustainable financial services that enable economically disadvantaged people to engage in productive income-generating activities while promoting financial literacy, social awareness, and inclusive economic development.
Goals
Swabhimaan Laghubitta Bittiya Sanstha Limited is committed to achieving the following goals:
Expand outreach by serving the maximum number of financially viable low-income households through effective and proven service delivery mechanisms.
Develop a professionally managed institution supported by ethical, competent, and highly motivated employees.
Empower women by promoting financial literacy, responsible loan utilization, timely repayment, regular savings, and greater social awareness through comprehensive microfinance services.
Why Choose Swabhimaan Laghubitta Bittiya Sanstha Limited?
Licensed by Nepal Rastra Bank (NRB) as a Province-Level Class 'D' Financial Institution
Incorporated as a Public Limited Company in 2016
Operating since 2017
Head Office located at Tilottama Municipality–5, Manigram, Rupandehi
Operates through 36 branch offices across Lumbini Province
Serves low-income households, women entrepreneurs, and underserved communities
Follows the internationally recognized Grameen Bank group lending model
Provides microcredit, savings, remittance, financial literacy, and community development programs
Promoted by Prime Commercial Bank Limited and experienced professionals
Committed to financial inclusion, women's empowerment, entrepreneurship, and sustainable socio-economic development
