Swastik Laghubitta
Lahan-08, Siraha, Madhesh Province, Nepal ·
A Nepal Rastra Bank Class-D provincial microfinance institution serving low-income and rural members across four districts of Madhesh Province through group-based micro-lending and member savings.
Rates at a glance
Deposit rates
| Product | Type | Tenor | Depositor | Rate p.a. |
|---|---|---|---|---|
| Member Savings | Normal Savings | — | individual | 10.00% |
Loan rates
| Product | Effective rate | Base | Premium |
|---|---|---|---|
| Agriculture Loan / Group Agriculture or Animal Husbandry Loan (group-guaranteed, up to NPR 700,000, 7-yr) | 13.45%–13.45% | 12.15% | +1.30%–1.30% |
| Micro Enterprise Loan (group-guaranteed, up to NPR 700,000, 7-yr) | 13.45%–13.45% | 12.15% | +1.30%–1.30% |
| Small Business Loan (group-guaranteed, up to NPR 700,000, 7-yr) | 13.45%–13.45% | 12.15% | +1.30%–1.30% |
| House Repair Loan (group-guaranteed, up to NPR 300,000, 3-yr) | 13.45%–13.45% | 12.15% | +1.30%–1.30% |
| Education Loan (group-guaranteed, up to NPR 300,000, 3-yr) | 13.45%–13.45% | 12.15% | +1.30%–1.30% |
| Emergency Loan (family-guaranteed, up to NPR 25,000, 2-yr) | 13.45%–13.45% | 12.15% | +1.30%–1.30% |
| Swastik Entrepreneur Loan (collateralized, up to NPR 1,500,000, 10-yr) | 13.45%–13.45% | 12.15% | +1.30%–1.30% |
| Individual Loan (collateralized, up to NPR 1,500,000, 10-yr) | 13.45%–13.45% | 12.15% | +1.30%–1.30% |
About Swastik
Swastik Laghubitta (Swastik Microfinance Financial Institution Ltd.) was licensed by Nepal Rastra Bank as a Class-D provincial-level microfinance institution and began operations on Chaitra 12, 2075 BS (March 25, 2019). Promoted by local personalities of Madhesh Province, it collects small member savings and provides collateral-free group-guaranteed and collateralized micro-loans for business, agriculture, livestock, micro-enterprise, education and household needs. It also runs micro-insurance, financial literacy programs, self-employment training and crisis financial support for member families. It is NEPSE-listed under the symbol SWASTIK.
Source: swastiklbs.com.np
Contact
- Head office
- Lahan-08, Siraha, Madhesh Province, Nepal
- Phone
- 033-563067
- [email protected]
- Website
- https://swastiklbs.com.np
Products & Services
Savings/Deposits
4Loans
9Micro-insurance
4Other
3Digital & 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.