About Upakar Laghubitta Bittiya Sanstha Limited (ULBSL)
Promoting Financial Inclusion Through Sustainable Microfinance
Upakar Laghubitta Bittiya Sanstha Limited (ULBSL) is a Province-Level Class 'D' Microfinance Financial Institution licensed by Nepal Rastra Bank (NRB). The institution is committed to expanding financial inclusion by providing accessible, responsible, and sustainable microfinance services that empower economically disadvantaged individuals, families, and communities across Lumbini Province, Nepal.
ULBSL was established by transforming the long-running microfinance program of Mahila Upakar Manch, ensuring the continuity of community-based financial services under a regulated microfinance institution.
Institutional Background
Upakar Laghubitta Bittiya Sanstha Limited is registered as a Class 'D' Financial Institution (Microfinance Bank) with an authorized capital of NPR 106 million.
The institution was:
Established: 17 Magh 2075 B.S.
Registered under the Companies Act: 25 Shrawan 2075 B.S.
Commenced financial services: 1 Chaitra 2075 B.S.
The institution's Head Office is located in Kohalpur, Banke District, Nepal.
ULBSL currently has a paid-up capital of NPR 106,148,200 and delivers financial services through a network of 38 branch offices operating across 12 districts of Lumbini Province.
Expanding Financial Access
ULBSL works to improve the socio-economic condition of underserved communities by expanding access to formal financial services for households that have traditionally been excluded from the banking system.
The institution provides customer-focused microfinance solutions that encourage:
Entrepreneurship
Self-employment
Household income generation
Savings mobilization
Financial independence
Community development
By supporting productive economic activities, ULBSL contributes to sustainable livelihoods and inclusive economic growth throughout its service areas.
Commitment to Responsible Microfinance
Upakar Laghubitta places strong emphasis on social performance, client protection, and institutional sustainability.
The institution continuously works to:
Expand financial inclusion
Protect the rights and interests of clients
Deliver responsible and transparent financial services
Design customer-friendly financial products
Improve service delivery models based on clients' evolving needs
Its customer-centered approach helps ensure that financial services remain accessible, practical, and beneficial for economically disadvantaged households.
Vision
To become a financially inclusive and self-reliant microfinance institution that empowers communities through responsible and sustainable financial services.
Mission
To build a strong and sustainable institution that promotes entrepreneurship, self-employment, financial inclusion, and socio-economic empowerment, enabling socially and economically disadvantaged families to achieve long-term self-reliance.
Our Commitment
Upakar Laghubitta Bittiya Sanstha Limited is committed to creating lasting social and economic value through inclusive finance. By promoting responsible lending, customer protection, financial literacy, and entrepreneurship, the institution continues to improve the quality of life of its members while supporting sustainable community development across Lumbini Province.
Guided by its slogan, "Financial Inclusion, Self-Reliant Organization," ULBSL remains dedicated to building a more inclusive, resilient, and prosperous society.
Why Choose Upakar Laghubitta Bittiya Sanstha Limited?
Licensed by Nepal Rastra Bank (NRB) as a Class 'D' Microfinance Financial Institution
Established from the microfinance program of Mahila Upakar Manch
Head Office located in Kohalpur, Banke District
Established in 2075 B.S. and operational since 1 Chaitra 2075 B.S.
Authorized Capital: NPR 106 million
Paid-up Capital: NPR 106,148,200
Operates through 38 branch offices across 12 districts of Lumbini Province
Committed to financial inclusion, entrepreneurship, self-employment, and socio-economic development
Prioritizes client protection, social performance, sustainability, and customer-focused financial services
Designs innovative and client-friendly financial products to meet the evolving needs of underserved communities
