Swastik Laghubitta Bittiya Sanstha Limited

Swastik Laghubitta Bittiya Sanstha Limited (NEPSE: SWASTIK) is a Class D microfinance institution licensed by the Nepal Rastra Bank, providing financial services to underserved communities across Nepal. Headquartered in Lahan, Siraha, the company offers microfinance loans, micro savings accounts, micro-insurance products, and financial literacy programs. Its services include collateral-free and collateral-based business loans designed to support self-employment and income-generating activities among low-income households. The institution operates 12 branch offices across Madhesh Province, covering Siraha, Saptari, Dhanusha, and Mahottari districts, with expanded operations in approximately 10 districts including parts of Koshi Province. Swastik Laghubitta serves as a provincial-level microfinance provider focused on financial inclusion, rural empowerment, and sustainable socio-economic development through group-based lending models and community-focused services. The company was founded on March 25, 2019, and is headquartered in Lahan, Siraha, Nepal.

Key Facts

Institution Class

Class D (Provincial-level), licensed by Nepal Rastra Bank

Operating Districts

Siraha, Saptari, Dhanusha, Mahottari (primary coverage), with operations in 10 districts including Madhesh and Koshi Provinces

Branch Network

12 branch offices including Pato (Saptari), Lalpur, Bhotiyatole, Kalyanpur (Siraha), Mahendranagar (Dhanusha), Bardibas, Ramgopalpur, Kantibazar (Mahottari), and Devpura (Dhanusha)

Capital Structure

Authorized Capital: Rs. 6.00 Crore; Issued Capital: Rs. 5.77 Crore (NEPSE listing: 577,500 shares at Rs. 100 face value)

Core Services

Micro savings, collateral-free and collateral-based business loans, micro-insurance, financial literacy programs, self-employment training, crisis financial support

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