Byabasaya Punarutthan Karja (Business Revival Loan)

A Micro-Enterprise / Individual Micro Loan is a small loan (typically NPR 25,000 up to NPR 700,000 collateral-free under group/family guarantee, or higher with collateral up to ~NPR 1.5 million) offered by NRB-licensed Class "D" microfinance institutions (laghubitta) and microfinance windows of commercial banks in Nepal. It is designed for low-income, financially under-served individuals — especially women, returnee migrant workers, farmers and small traders — to start or expand income-generating micro-enterprises (small retail shops, agriculture, livestock, tailoring, services). It works mainly through the Grameen/group model: clients form a group/center, complete compulsory group training (CGT) and a group recognition test (GRT), maintain compulsory savings, and access loans on a group-guarantee basis; "graduated" or established borrowers can also take an Individual Micro-Enterprise (IME) loan on a personal/collateral basis. Loans are repaid in small periodic (weekly/fortnightly/monthly) installments, with NRB capping interest at 15% p.a. and the service fee at 1.3%.