Himalayan Laghubitta Bittiya Sanstha Limited

Himalayan Laghubitta Bittiya Sanstha Limited (HLBSL) is a Nepalese micro-finance institution (class D) established to provide financial services to underserved populations, especially in rural and semi-urban areas, with a focus on micro-credit, savings, and financial inclusion. HLBSL was incorporated as a public limited company under the Companies Act on 1st Chaitra 2067 B.S. (around March 2011 A.D.). The institution obtained its microfinance license from the central bank (as a “D-class financial institution”) in 2069 B.S., and began operations on 21 Ashad 2069 (5 July 2012). Its registered head office is located in Chabahil, Kathmandu, Nepal. HLBSL is a subsidiary of Himalayan Bank Limited leveraging the parent bank’s institutional strength while focusing on microfinance and financial inclusion. Over the years, HLBSL has grown its branch and client network significantly. As of the most recent disclosures, it serves tens of thousands of clients/members and has a broad network of branches across many districts offering micro-loans, savings, group lending, and services targeted at low-income households, rural entrepreneurs, women, and small businesses. The institution aims to support livelihoods, promote small-scale enterprise, and contribute to rural economic development by providing accessible credit and savings services to those often excluded from mainstream banking.