Vijaya laghubitta Bittiya Sanstha Ltd.

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Vijaya Laghubitta Bittiya Sanstha Limited (NEPSE: VLBS) is a Class D microfinance institution licensed by Nepal Rastra Bank, providing financial services across Nepal. The company offers home loans, personal loans, and vehicle loans through a group-based lending model, focusing on underserved borrowers in rural and semi-urban areas. VLBS emphasizes community-based microfinance with group guarantees as alternatives to collateral-dependent credit, operating across multiple provinces of Nepal. In July 2023, VLBS successfully merged with Naya Sarathi Laghubitta Bittiya Sanstha Limited following regulatory approval from Nepal Rastra Bank, SEBON, and other authorities, combining paid-up capital and expanding operational reach while maintaining the Vijaya Laghubitta name. The company was founded on August 7, 2012, licensed on January 3, 2013, and is headquartered in Gaindakot, Nawalparasi, Nepal.

Key Facts

License Class

Class D microfinance institution (Nepal Rastra Bank)

Established Date

August 7, 2012; Licensed January 3, 2013

Financial Products

Home loans, personal loans, vehicle loans

Lending Model

Group-based lending with group guarantees, community-based microfinance

Operating Area

National level, multiple provinces of Nepal

Recent Merger

Merged with Naya Sarathi Laghubitta (effective July 31, 2023)