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Micro Credit and Limit

As per Nepal Rastra Bank (NRB) "deprived" means low income and especially socially backward women, tribal people, Dalit, blind, hearing impaired and physically incapacitated persons, marginalized and small farmers, craft-men, labour and landless squatters family. Micro-credits etended for the operation of self-employment and micro-enterprises for the upliftment of economic and social status of deprived sector up to following limit is termed as "deprived sector lending".

  1. Micro credit extended up to Rs. 300,000 per group member against group guarantee to the deprived or low income individual for running micro enterprise or micro business. In case of credible group member since last two years, micro credit can be gradually enhanced up to Rs. 500,000;  
  2. Micro credit up to Rs. 500,000 for each deprived or low income individual to operate the micro enterprise or microbusiness against acceptable collateral of group member. In case of credible group member since last two years, micro credit can be gradually enhanced up to Rs. 700,000;

    However, the institution shall extend such micro-enterprise ( Credit up to 33 percent of the total loans and advances. For this purpose "microenterprise" means an income oriented business engaging not more than 10 persons.  
  3. Microcredit up to Rs. 300,000 may be extended to the deprived and low income individuals who are not affiliated to any group, against adequate collateral.  
  4. Micro credit not exceeding Rs. 200,000 per family for the purpose of Solar-Home-System based on renewable energy technology.

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Head Office

First Microfinance Laghu Bitta Bittiya Sanstha Ltd.
P. O. Box: 24800
Gyaneshor (Opposite to Sano Gaucharan)
Kathmandu, Nepal
Phone: +977-1-4425361, +977-1-4425358
Fax: +977-1-4427046
Branch Office Bharatpur
Vintuna Marga,Bharatpur-10,Chitwan
Phone: +977-56-532633
Branch Office Urlabari
Urlabari -4, Morang
Phone: +977-21-540244
Office Hour
 Magh16 to Kartik 15 :
Sunday to Thursday-10.00am to 5.00 pm
 Kartik 16 to Magh 15 :Sunday to Thursday-10.00am to 4.00 pm
 Friday :10.00am to 2.00 pm