Swabhiman Laghubitta
Tilottama Municipality-5, Manigram, Rupandehi, Lumbini Province, Nepal ·
Swabhiman Laghubitta is a Nepal Rastra Bank Class-D microfinance institution providing Grameen-model group-based and collateral-based micro-loans, member savings, micro-insurance and remittance to low-income groups, women, entrepreneurs and farmers across Lumbini Province.
Rates at a glance
Loan rates
| Product | Effective rate | Base | Premium |
|---|---|---|---|
| Mukhya Karja (Main / Microfinance Loan) | 14.72% (fixed) | 12.05% | — |
| Krishi Karja (Agriculture Loan) | 14.72% (fixed) | 12.05% | — |
| Aakasmik Karja (Emergency / Daivi Prakop - Disaster Loan) | 13.00% (fixed) | 12.05% | — |
| Peva Aarjan Karja (Income Generation / Pewa Loan) | 14.72% (fixed) | 12.05% | — |
| Pariyojana Karja (Project Loan) | 14.72% (fixed) | 12.05% | — |
| Anugaman Karja (Monitoring / Follow-up Loan) | 14.00% (fixed) | 12.05% | — |
| Urja Karja (Energy Loan) | 14.72% (fixed) | 12.05% | — |
| Laghu Udyam Karja (Micro-enterprise Loan, collateral-based) | 14.72% (fixed) | 12.05% | — |
| Byaktigat Karja (Personal Loan, collateral-based) | 14.72% (fixed) | 12.05% | — |
| Ghar Gharderi Karja (Household / Housing Loan, collateral-based) | 14.72% (fixed) | 12.05% | — |
| Baideshik Karja (Foreign Employment Loan, collateral-based) | 14.72% (fixed) | 12.05% | — |
| Shaikshik Karja (Education Loan, collateral-based) | 14.72% (fixed) | 12.05% | — |
About Swabhiman
Swabhimaan Laghubitta Bittiya Sanstha Limited (SMFBS) was registered as a public limited company on 17 August 2016 and received its operating license from Nepal Rastra Bank as a "D" class financial institution on 9 May 2017. It follows the Grameen Bank model of group-based lending alongside collateral-based individual loans, focusing on financial inclusion, women's empowerment and poverty reduction. It operates through 36-37 branches across districts of Lumbini Province (including Rupandehi, Kapilvastu, Nawalparasi, Banke, Bardiya and Dang). Prime Commercial Bank is a major promoter shareholder.
Source: swabhimaanlaghubitta.com.np
Contact
- Head office
- Tilottama Municipality-5, Manigram, Rupandehi, Lumbini Province, Nepal
- Phone
- 071-561267
- [email protected]
Products & Services
Savings/Deposits
5Loans
12Micro-insurance
1Remittance
1Digital & e-services
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.