Unnati Sahakarya Laghubitta Bittiya Sanstha Limited

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Unnati Sahakarya Laghubitta Bittiya Sanstha Limited (NEPSE: USLB) is a Class D microfinance institution licensed by Nepal Rastra Bank. Operating across 82 branches in 28 districts, the company provides financial services including microfinance loans, savings schemes, insurance products, and remittance services, primarily to low-income individuals and families. The institution serves approximately 73,477 members and has extended credit to over 27,600 borrowers through its group-guarantee based lending model, which follows principles similar to the Grameen Bank Model, with approximately 72% of its portfolio comprising unsecured group-guarantee loans. USLB was incorporated in 2014 as Unnati Laghubitta Bittiya Sanstha Limited and merged with Sahakarya Laghubitta Bittiya Sanstha Limited in July 2020. The company was founded in 2014 and is headquartered in Siddharthanagar-12, Rupandehi, Nepal.

Key Facts

Branch Network

82 branches across 28 districts

Active Members

73,477

Active Borrowers

27,606

Group Lending Portfolio

Approximately 72% unsecured group-guarantee based lending

Merger

Merged with Sahakarya Laghubitta Bittiya Sanstha Limited in July 2020

Operations Start

Formally began microfinance business on 21 July 2017