•   082-560489
  •   aatmanirbhar2076@gmail.com

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We are recognized from Nepal Rastra Bank as Class “D” bank to cater to the financial needs of our clients in Lumbini province through our 17 branches of Aatmanibhar LBS.

We usually disburse loans to our clients who are usually rural households including rural women and men from poor backgrounds. Our mission is to reduce and alleviate poverty in the country by providing micro loans to the needy clients of rural areas.

Loan without Collateral

This is a type of micro-loan disbursed to the needy clients (poor and destitute) of rural areas of Dang, Salyan and Banke districts to benefit the needy households which can be used by them to improve their living standards by investing it in some kind of income generation activities. This loan is given to rural women who are associated with Aatmanirbhar LBS as its saving group members, without collateral which is based on the trust of group collateral. The amount of loan is given ranging from Rs 5000 to Rs 200000. The repayment of these petty loans without collateral are repaid  in several monthly installments during monthly group meetings held by the Aatmanirbhar’s marketing assistants who visit the clients from door to door.

Loan with Collateral

Loan with collateral is given to the clients of rural villages and rural women (who are poor and destitute) of saving groups mobilized by Aatmanirbhar LBS. This loan size may be in the range of Rs 10,0000 to Rs 15,00000. Such loans are given to the clients to invest in some business oriented activities that they intend to propose to increase their income. The repayments of such collateral based loans are done on monthly installments during the monthly meetings held by the Aatmanirbhar marketing officials in saving groups.

Further details about our types of loans can be understood from the following descriptions.

Our Products

Types of Loans

 Aatmanirbhar LBS has started various loans on group guarantee and collateral basis to improve the income generation capacities of its group members which are described in details in the table given below:

SNType of loan and Loan limitationsInterest RateService chargeLoan PeriodLoan Service (Description)
1General Loan15%1.5%1-2 yearsMembers are given loan from Rs 1000 to Rs 300,000 without collateral. Members can use this loan to expand their micro entrepreneurship.
2Seasonal Loan15%1.5%1 yearMembers are given this seasonal loan from Rs 1000 to Rs 50,000 to start up their seasonal business.
3Educational Loan15%1.5%1 yearEducational loan from Rs 1000 to Rs 20,000 is given to Members’ Children for their educational development
4Home Loan15%1.5%1-2 yearsAll members are given this home loan up to Rs 200000 to ensure that they have a secured home to live and lead a secured life.
5Micro-Loan15%1.5%2-5 yearsMembers are given this loan from Rs 300000 to Rs 1500000 on collateral basis to start up any micro business in their locality


Savings are done by members to secure their future so that such saving can resolve some of their problems in future. So, micro-savings are done regularly. The description of such savings are given below:

SNTypes of SavingsInterest RateRemarks
1Group Saving6%Group members usually engage in this type of savings
2Individual Saving6%Individual members engage in individual savings as per their own discretionary decisions.
3Education and Pension Savings13.5%Such savings are done for safe future of the members. The amount of saving is doubled in 15 years.
4Centre Saving6%Such savings are done to secure the future of group members
5Capacity Building Saving Members tend to save Rs 5 on a monthly basis to contribute to their life skill, capacity and knowledge development in future.

Loan Insurance: Aatmanirbhar LBS has been providing the following insurance scheme for members taking loan or their nearest one mentioned in the insurance in case meeting with an accidental death. The duration of insurance is two years. The member taking loan for this insurance must pay a premium of 0.53% at the time of taking loan and for the insurance of her husband an amount of Rs 100 should be paid.

SNDescriptionAvailable benefits
1Death due to sickness100% of the loan taken
2Death due to Accident150% of the loan taken
3Fully disabled due to Accident50% of the loan taken
4Funeral Expense28% of the loan taken
5Death of member’s husbandRs 25650

Staff Insurance

All staff working for Aatmanirbhar LBS are provisioned to take benefit of the following accidental, Health and Covid-19 insurances.

1Covid-19 InsuranceRs 100000/-
2Accidental InsuranceRs 700000/-
3Health InsuranceRs  100000/-

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Aatmanirbhar Laghubitta Bittiya Sanstha Limited (Aatmabnirbhar LBS) was incorporated at the office of the company registrar under Nepal government's Ministry of Industry and Commerce Supplies[...] Read More

  •   082-560489, 9847845671
  •   aatmanirbhar 2076@gmail.com
  •   Ghorahi Sub-Metropolis-City-15,Dang

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