Laxmi Laghubitta
Bittiya Sanstha Ltd. 

 Kapan Marag, Maharajgunj, Kathmandu, Nepal
Tel:+977-1-4373682  /  4370548            

Fax 977-1-4374234 
Email: info@laxmilaghu.com.np/ info@llbs.com.np

Loan Products

Laxmi Laghubitta Bittiya Sanstha Limited currently offers following loan products:

Income Generating (IG) Loan:  After completion of the compulsory group training (CGT) and group recognition test (GRT) clients are eligible to take IG Loan. Clients choose their project as per their own knowledge about any kind of IGA, and can submit loan application at the center. The maximum Loan amount per client is Rs. 300,000 and available at 18% interest rate charged on declining basis.

Social/Consumption Loans (SC): Beside the Income generating Loan (IG Loan) the LxLB tries to satisfy the Social and Consumption need of the clients by providing Social/consumption loans. The maximum amount for this Loan is Rs. 20,000 and provided at 18% interest rate for maximum period of 18 months.

Group-based Micro-enterprise Loan (GME): This loan product is designed to satisfy credit need of micro-entrepreneurs. It is provided to graduated clients from the groups. The maximum loan amount of this loan is Rs. 1,000,000 and is provided for maximum 5 years period at the rate of 18% per annum. Project viability, client's integrity and the physical collateral are the basis to provide this loan.

Individual Micro-enterprise Individual (IME) Loan: LxLB provides IME loan to the missing middle or poor clients who do not wish to join groups for various reasons. The maximum loan amount of this loan is Rs. 1,000,000 and is provided for maximum 5 years period at the interest rate of 18% per annum. Project viability, client's integrity and the physical collateral are the basis to provide this loan. The physical collateral will be required to avail this loan

Alternative Energy (AE) Loan: Group Based clients and other individulas willing to establish/install alternative energy system are target clients of this loan product. The finance is vailable to establishment/installation of Biogas Plant, Home solar system, water turbine, water mill (Pani Ghatta) and other energy producing systems.The maximum loan limit is Rs. 30,000 for without collateral and Rs. 60,000 for colateralized loans. The interest rate charged for this loan product is 18% p.a.

Seasonal Agricultural (SA) Loan: This loan product is available to group based clients to finance inputs for seasonal agricultural production like Purchase of seeds, fertilizer, insecticides and pesticides. The loan is also be available for purchase and sale of agricultural products. Maximum limit for this loan is Rs. 30,000 and provided at 18% interest rate per annum. 

Seasonal Business (SB) Loan: This loan product is available to group based clients to finance inputs for seasonal business (at the time of new year, Festival like Dashain, Tihar or other seasonal products) like Purchase of seasonal clothes, fruits, and other things. Maximum limit for this loan is Rs. 30,000 and provided at 18% interest rate per annum. 

Laxmi Revival Loan (LRL) Loan: This loan product is available to group based clients to fulfil the immidate needs.  If the client, clients' family member is/are to admit in the hospital or if the clients' business is damaged, the client can obtain this loan from the office. The client neither has to wait till the centre meeting nor she has to see the office time. It is disbursed at any time even if the office is closed. Maximum limit for this loan is Rs. 15,000 and provided at 12% interest rate per annum.