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Sun - Thu: 9:30 am - 5:30 pm

Fri: 9:30 am - 3:00 pm

Introduction

Kalika Laghubitta Bittiya Sanstha Ltd. is a 'D' class bank licensed from Nepal Rastra Bank under the Bank and Financial Institution Act, 2063. It started a financial transaction on Bhadra 4, 2067. It modified conventional banking practice by removing the need for collateral and created a banking system based on mutual cooperation, trust, participation, and accountability. KLBSL provides credit to the economically deprived of different ethnic groups and religions in rural areas, thus assisting in the fulfillment of their entrepreneurship dream, with or without collateral as per KLBSL loan policy. At KLBSL, we believe that credit is a cost-effective weapon to fight poverty, as it helps in the overall improvement of socio-economic conditions of the people who have previously been kept outside the banking orbit. We aim to assist the government in its national goal of poverty reduction.

We provide microfinance services to the target people, i.e., microloan, deposit, and remittance services, through a network of 107 branch offices throughout 48 districts.

OUR VISION

KLBSL aims to be a leading part of the national movement in reduction of poverty with the active involvement of people of deprived level and their escalation to national level.

OUR MISSION

The mission of KLBSL is to identify the local resources and maximize its utilization to empower deprived group of locals by providing financial assist.

OUR OBJECTIVE

Promoting local production by involvement of marginalized people by providing access to microfinance services.

OUR GOAL

+ Provide financial services to targeted number of people (1000000) by expanding services to rural areas of Nepal.,
+ Create financial awareness, entrepreneurship and provide skills for livelihood to the people in rural areas.
+ Develop a well-managed, sustainable, and technically capable institution with highly motivated and skilled human resources.
+ Achieve operational and financial self-sufficiency.

Message from CEO

Namaste,

Kalika Laghubitta Bittiya Sanstha Limited (KMCDB) remains committed to providing reliable microfinance services, particularly to rural communities, to support their financial needs. Our objective is to contribute to the national effort of poverty reduction by empowering marginalized and underserved populations through inclusive financial services.

We strive to utilize local resources effectively and provide services such as microcredit, deposit mobilization, insurance, skill development training, and business knowledge programs. Through these initiatives, we aim to enhance access to financial services and improve the socio-economic condition of our clients.

Despite various infrastructural and geographical challenges, KMCDB continues to deliver both financial and non-financial services to low-income communities. With our branch network operating across 53 districts, we remain dedicated to expanding financial inclusion and improving the quality of life of the people we serve.

I would like to express my sincere gratitude to the regulatory authorities, including Nepal Rastra Bank, the Office of the Company Registrar, the Securities Board of Nepal, the Nepal Stock Exchange, and the Government of Nepal for their continuous support and guidance.

Thank you.
Phanindra Pandey
CEO, Kalika Laghubitta Bittiya Sanstha Limited

Summary Report of 2nd Quarter of 2082/83

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News & Events

कालिका लघुवित्त वित्तीय संस्था लि. को सोह्रौं वार्षिक साधारण सभा सम्पन्न
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