Save my name, email, and website in this browser for the next time I comment. 2 million rupees. Other branches are located in Narayanghad (Chitwan), New Road (Kathmandu), Butwal, Dhangadi, Itahari, Biratnagar, Nepalgunj, Dharan, Pokhara, Birgunj. The list of 'D' Class microfinance companies In Nepal along with the paid-up capital and working area are shown in the table below: List of 'D' Class Microfinance Companies In Nepal *Joint Transaction after Merger/Acquisition Also Read: Comparative Study of 4 Wholesale Microfinance in Nepal Working Area of 'D' Class Microfinance Companies In Nepal It started operations in the 18th Mangshir 2066 as the 84th Nepal Finance Company under Law 2063 of the Bank and Financial Institution (BAFIA). All Nepal Share Markets & Financial Limited branches are interconnected with each other and their customers can do business from any of the branches, regardless of which bank the account was opened with their Any Branch Banking Services (ABBS) facility. Until then, Nepal finance limited has been known as the most mature financial company in Nepal offering its products to its clients. Its head office is located at Bhanu Chowk-2, Janakpardhan. Finance Companies are the 'C' class financial institutions in Nepal. Scathing report on Nepal's security controls. The office is located in Putalisadak, Kathmandu. It is also successful in providing regular dividends to the shareholder. Verify PayPal account in UAE with quickest and easiest way. Out of those 15, three have successfully met the capital requirement and have a paid-up capital more than 1 arba. It provides various loan facilities to our valued clients, such as rental purchase loan, home loan, real estate loan, educational loan, shared loan, fixed deposit loan and more. 892 thousand. When made public on Shrawan 28, 2064, they issued 120,000 shares for the initial public offering. In keeping with growth objectives, the company has continued to increase its capital base. (minus capital gains tax). Paid-Up-Capital or PUC is a concept under the federal Income Tax Act (ITA). Interest rates range from 8.75% to 9.75%. Multipurpose Finance Company Limited | Nepal Stock Exchange | MPFL Stock Price | MPFL Share Price Multipurpose Finance Company Limited | Nepal Stock Exchange | MPFL Stock Price | MPFL Share Price . For example, a company may issue 1 shares with 50p payable immediately upon application by intending shareholders, a further 25p upon allotment of shares to shareholders and the final 25p three months later. The Authorized Capital of the company is Rupees 1,000,000,000 / and the Issued Capital is 800,000,000. It offers loans such as education loans, home loans, personal loans, commercial loans, installment loans, agricultural loans, Mrgin loans, real estate loans, loans against FDR, loans against gold, loans for obsolete sectors, margin loans, working capital / OD loans. The central bank had given two years time, which ended in mid-July this year, to the BFIs to raise their paid-up capital. "B" Class Development Banks 3. Paid-up capital can never exceed authorized share capital. In the United States, companies wanting to "go public" must register with the Securities and Exchange Commission (SEC) before issuing an initial public offering (IPO). There are 79 finance companies licensed by NRB in Nepal. exchange information or notices on debtors or customers who have obtained credit or any kind of facility from it and other banks or financial institutions with the Rastra Bank or any other bank or financial institutions. Manjushree is a class C financial institution which is licensed by Nepal Rastra Bank. Paid-up capital is the amount of money a company has received from shareholders in exchange for shares of stock. From start to date, the motto of finance has been towards better and easier customer service. As per the unaudited financial results published by the commercial banks till last fiscal, net worth (reserve plus share capital) of five commercial banks, out of the 28 in operation, is below the required Rs eight billion. We are a C-class licensed financial institution under Nepal Rastra Bank 2062 31'1' Act. Shree Investment & Finance Co Ltd. (SIFCO) was incorporated in 1994 (2051 BS) by a group of eminent Kathmandu entrepreneurs, such as a Financial Services Company and a Commercial Bank under the Nepal Financial Company Law, 1985 and the Nepal Company. Paid-in capital can be reduced by treasury stock when a business buys back shares. Get details such as Company Name, Incorporation Year, Paid Up Capital & more. Paid up Capital Working Area 1 Nepal Finance Ltd. 1993/01/06 Kamaladi, Kathmandu 13.58 National Level . Amazon in Saudi Arabia, learn what kind of services it provides. While these two are related concepts, they are not the same. The company, together with these, also offers remittance services and banking services by SMS. Paid-up capital is money that a company receives from selling stock directly to investors. 18. How to register shukran card online easily? [1] Aatmanirbhar Laghubitta Abhiyan Laghubitta Adarsha Laghubitta Adhikhola Laghubitta It is promoted by prominent entrepreneurs from Nepal. As of January 2023, a total of 38 insurance companies are offering Life, Non-Life (General) and Re-insurance services. 600.41 million. The institution has collaborated with Western Union Money Transfer, Remitron Service, Xpress Money Service, Instant Cash Service, Money Gram and Nepal Remit to provide remittance service to their clients. The Nepalese finance companies are ranked in second position in the sense of market share of total deposit and total lending. The commercial Banks (A-Class) have to maintain at least Rs. Paid-up capital can be given in any internationally accepted legal currency. 40%. Janautthan Samudayik Laghubitta Bittiya Sanstha Ltd. 19 District Level (Kailali, Kanchanpur, Banke, Bardiya, Dang, Kapilvastu, Rupandehi, Nawalparasi East, Nawalparasi West, Chitwan, Parsa, Surkhet, Dadeldhura, Gulmi,Palpa, Tanahu, Arghakhachi, Pyuthan, Salyan), Mahila Sahayatra Laghubitta Bittiya Sanstha. Naya Nepal Laghubitta Bittiya Sanstha Ltd. 4-10 District Level (Kavre, Ramechhap, Sindhuli, Mahottari, Dhanusa, Siraha, Saptari, Sunsari, Morang, Jhapa), 10+5 District Level (Sindhuli, Mahottari, Dhanusa, Siraha, Sarlahi, Saptari, Rautahat, Udaypur, Bara, Ramechhap,Sindhupalchowk,Kavrepal anchowk,Nuwakot,Dolakha,Okhaldhun, 10+5 District Level (Jhapa, Morang, Sunsari, Taplejung, Ilam, Panchthar, Udayapur, Saptari, Siraha, Dhankuta, Bhojpur, Sankhuwasava, Solukhumbhu,Okhaldhunga,Khotang). The districts covered are Kavre, Kathmandu and Rupandehi, respectively. Nepal Investment Bank (previously known as Nepal Indosuez Bank Ltd.) was established as a joint venture between Nepalese and Credit Agricole Indosuez. Understanding Coca-Cola's Capital Structure (KO). Shareholding pattern Businesses must request permission to issue public shares by filing an application with the agency responsible for the registration of companies in the country of incorporation. The company has started its service with paid capital Rs. The company stands as one of the largest financial companies in the country with a paid-up capital of NRs 114 million. With the corporate office based in Hattisar, Kamalpokhari, Kathmandu, they are known for their financial stability and excellent customer services. The paid-in capital of the organization is 180 million. Each share of stock is issued with a base price, called its par. The services provided are electronic check clearing, interbank payment system, blocked amount backed application, remittance services, ABBS services, smart banking, ATM service, as well as savings deposit and fixed deposit. The financial laws of the government authority generally regulated the financial institutions. It also offers services such as electronic banking, SMS banking, debit card and ATM. 1) The paid up capital of a public company shall be a minimum of ten million rupees, except as otherwise provided in the prevailing law or in a notification by the Government of Nepal in the Nepal Gazette that the paid up capital of any particular company shall be in excess of the said required minimum. Hold a Board Meeting and Pass board resolution at board meeting. The head office is in Dilli Bazar, Kathmandu, Nepal. It is one of the oldest financial companies in Nepal with 32 historical years. For additional paid-up capital, subtract the issued share price from the par value . Finance Companies in Nepal are also playing vital roles in the development of the economic status of Nepal. The requirement for national-level development banks is Rs 2.5 billion, development banks working in four to 10 districts should have paid-up capital of Rs 1.2 billion, and development banks working in one to three districts should have such capital of Rs 500 million. March. It provides services to our country to send foreign currency which is just one more step for people living outside Nepal to send their money from anywhere in the world. The institution is promoted by locally renowned businessmen, businessmen, educators, intellectuals, bankers, and former bureaucrats. . Manakamana Laghubitta Bittiya Sanstha Ltd. 4-10 District Level (Rupandehi, Kabilbastu, Syangja, Palpa, Gulmi, Arghakhachi). 28, in Pradarsani. 200 millions and Rs. If the company raises additional authorized capital, then the charges by MCA are as follows: Additional Authorized Capital (Rs.) However, the Singaporean Dollar is preferred. Is it legal? 6 millions. The insitution offer different savings schemes to choose from. Finance Company(Operating at least in 4 districts)District LevelC Class800,000,0003. The company is 51% owned and 49% of the shares are owned by the general public. As per the NRB requirement, commercial banks need to meet revised paid-up capital requirement of Rs eight billion. The citys express finance company limited is a C class national level finance company. The company was established as then General Finance Ltd in 2052 BS in accordance with the laws in force at that time. Companies seek equity financing from investors to finance short or long-term needs by selling an ownership stake in the form of shares. 50%. SIFCO has itself achieved a niche position in Nepals financial sector, while firmly adhering to a policy of prudence and caution, the company has been at the forefront of introducing various innovative products and services. Located in the heart of Kathmandu Pako, Newroad, they started the operations from the 14th Falgun 2052 BS. Almost everyone deals with a financial institution on a regular basis. Reliance Finance Limited donate Computer Accesories to Nepal Voluntary Blood Donors' Society. It provides services such as NCHL service, electronic check clearing, connection ips, interbank payment system, and remittance services as well. 6400 Lakh, issued capital of Rs.2000 Lakh and paid-in capital of Rs.1008 Lakh. Is It Legit to Invest in? Swabhiman Laghubitta Bittiya Sanstha Ltd. 4-10 Dostroct Level ( Rupendehi, Gulmi, Rolpa, Salyan, Syangja, Palpa, Arghakhachi, Nawalparasi, Kabilbastu, Pyuthan), 4-10 District Level (Kaski, Baglung, Myagdi, Lamjung, Tanahu, Nawalparasi, Parbat, Gulmi, Arghakhachi, Gorkha). For example, if a company issues 100 shares of stock at a par value of $1 and sells them at $100 each ($10,000 in total), the balance . The head of crystal finance Ltd is Bag Durbar, Kathmandu, Nepal. Paid-up capital is created when a company sells its shares on the primary market directly to investors, usually through an initial public offering (IPO). The authorized capital of the company is Rs 2.0 lakhs and it has a paid-in capital of 1.0% which is Rs 0.02 lakhs. The Durbar Marg, Kathmandu-based company has six branches across the country so that its customers have easy access to its products and services. You can find out more about our use, change your default settings, and withdraw your consent at any time with effect for the future by visiting Cookies Settings, which can also be found in the footer of the site. Now, the company has been able to increase the capital disbursed by NRS 86.79 crore. 2021. Nepal is one of the countries with a population of 2.5 Crore and still half of its population has no access to financial services. The head office is located at the Shree Kingsway Tower, Ghantaghar, Durbarmarg, Kathmandu, Nepal. Srijana Finance offers its valued clients a variety of loans to suit their needs. What is Paid-Up Capital? It offers fixed and savings deposits, debit cards, loans, remittance services and lockers. Rural Microfinance Development Center Limited (RMDC) which is already being traded in NEPSE has the highest paid up capital as well as highest Reserve and Surplus among all the 36 microfinance companies. After learning from Bangladesh, the country where the microfinance initiative was born and succeeded, the government of Nepal also allowed the company to register without any paid-up capital to provides similar services in Nepal. Paid-up capital, also called paid-in capital or contributed capital, is arrived at from two funding sources: the par value of stock and excess capital. Definition, How It Works, and Types, Additional Paid-in Capital: What It Is, Formula and Examples, Stock Dividend: What It Is and How It Works, With Example, Paid-In Capital: Examples, Calculation, and Excess of Par Value, Equity Financing: What It Is, How It Works, Pros and Cons, Authorized Share Capital: Definition, Example, and Types. Minimum paid-up capital required for microfinance companies in Nepal Class A or Commercial Banks in Nepal Commercial banks are the highest-class and general-purpose banking institutions. The customer can get a wide range of services from the Janaki smart app. Other services provided by the institution are the ABBS service, the connection IPS, the installation of lockers, the remittance service, SMS banking, electronic banking and debit card. Paid-up capital represents money that is not borrowed. S.No. Hello, everyone, I am Ranga Singh the founder of closecareer.com. The Company has been authorized by Nepal Rastra Bank as a class C financial institution to carry out financial services and commercial banking activities in the country. Its cooperative branch is in Tinkune, Kathmandu. Finance Companies in Nepal: Finance Companies are licensed by Nepal Rastra Bank in Class C. Paid Up Capital: 52 Weeks High/Low: 408/219: EPS TTM: 0.40 (Book Close Adjusted) EPS Reported: 1.03: PE Ratio TTM: 807.85 : PB Ratio: 2.91 : ROE . Find competitors of Invexy Financial Services Private Limited online. The bank has been providing banking through its branch offices in different geographical locations of the country. The vision of the company is to become the countrys leading financial institution known for its expertise and services to provide you with superior financial solutions. Paid-up capital refers to the amount that has been paid-up on shares that have been issued by the company. All Companies Uttar Pradesh Finance . Authorized share capital is the number of stock units a company can issue as stated in its memorandum of association or articles of incorporation. It is a private non-public company and is classified as a limited company by shares. Conventionally, financial institutions are made up of organizations such as banks, trust companies, insurance companies, and investment agents. Issued Share vs. Subscribed Share Capital: What's the Difference? Ariel Courage is an experienced editor, researcher, and former fact-checker. and the Companies Law 2053. It appears as the owner's or shareholders' equity on the corporate balance sheet's liability side. Nepal Rastra Bank (NRB) regulates all the banks and financial institutions (BFIs) of Nepal. The finance companies are holding 8.5 percent market share of total . Microfinance companies in Nepal have emerged to fill these gaps, with the result that now there are 90 microfinance banks in Nepal. There are 8 ATMs within the valley and 9 ATMs outside the valley. How to Activate VoLTE Service in NTC SIM and Get 100 Minutes Free Voice Call, TU BBS 4th Year Exam Routine 2079 (Revised), Nepal Rastra Bank Syllabus for Open Competition Examination (2078), Tribhuvan University Bachelor 4th Year Exam Routine 2079, How To Apply For IPO Online Using Meroshare In Nepal? "A" Class Commercial Banks 2. 2.5 billion. The Development Banks (B-Class) have to maintain the following minimum paid-up capital depending upon the level of operation.Types of Banks or Financial InstitutionOperation LevelClassMinimum paid-up Capital (NPR)2. This was established in 1937 A.D. Nepal Bank has been inaugurated by King Tribhuvan Bir Bikram Shah Dev. The Rajbiraj-based company is promoted by local individual promoters from different professions. It has been able to maintain sufficient liquidity ratios. Central Finance Limited plans to become a strong and reputable institution in the Nepalese financial sector by providing preferred products and services and ensuring attractive and substantial returns for shareholders with the help of experienced staff. It offers Nari Bachat, Jestha Nagarik, Bal Bachat, Gurkha pension. I want to support young people for a happy and successful career. Capital refers to financial assets or the financial value of assets, such as funds held in deposit accounts, as well as the tangible machinery and production equipment used in environments such as . All the detail of development bank in Nepal on the basis of name, year established, head office, paid up capital are given below: . Obtain a loan from the Nepal central bank or from any foreign organization. When a company wants to raise equity, it cannot simply sell off pieces of the company to the highest bidder. This financial company has 8 branches (including the central office branch) within the Kathmandu Valley. S.No. With its headquarters in Putalisadak, the company has about ten branches, five within the valley and five outside the valley. list of microfinance in Nepal and their area, List of commercial bank in Nepal, A class. Any amount that investors pay for the stock above $1 represents the additional paid-up capital or paid-up capital in excess of par. facilities. This financial financing covers 3 districts of Nepal. Profit, equity, deposit collection and investments are trending upward. Some banking services have remittances, SCT UPI debit card, commercial banking, SMS banking, installation of lockers, payment of utility bills, Sct MoCo, MBanking, discount stores, etc. Mr. Ajit Kumar Mishra is the Executive Director of the company. WMBFLs administrative responsibility has been entrusted to a team of young, enthusiastic and professional bankers with extensive experience. Established in Kartik 3, 2050 BS, the company is promoted by a group of highly committed and innovative entrepreneurs and is managed by a group of experienced professional managers, along with a host of young energetic employees. IPS (Interbank Payment System) helps you make funds transfers to and from Janaki Finance Company Limited (JFCL) to any member bank of Nepal Clearing House Limited (NCHL). According to this act, Nepal Rastra Bank shall make provision for the minimum capital required for each class of Banks and Financial Institutions in Nepal. It provides the services such as fixed deposit, savings deposit, call deposit, current deposit, home loan, education loan, agriculture loan, rental purchase loan, business loan, industrial loan, the personal loan, the land development loan, the tourist promotion loan, the private loan, the loan against FDR. If a company has authorised capital of RM100,000, then company can only increase its paid-up capital up to the maximum of RM100,000 at any time. 10.What are Tier I capital and Tier II capital? List of Banks in dubai mall and their location. A stock is usually issued at a low base price. Grameen Bikas Laghubitta Bittiya Sanstha Ltd. Nepal Sewa Laghubitta Bittiya Sanstha Ltd. 10+5 District Level (Rupandehi, Palpa, Pyuthan, Kapilvastu, Arghakhhachi, Gulmi, Parbat, Baglung, Myagdi, Mustang, Syangja. Its extension counters are located in Tinkune (Kathmandu), Lagankhel, Pulchowk (Lalitpur), Thimi (Bhaktapur). Paid-in capital is the sum of all dollars invested into a company. How is paid-up capital different from share capital? The loan provided are Commercial loan, personal loan, mortgage loan, mortgage loan, recurring loan, purchase loan, health loan, loan against shares, loan for foreign employees, educational loan, term loan, agricultural loan, Bipanna Barga loan, FD loan. For fiscal year 2018, MPFL reported a net profit of NPR 6 million on an asset basis of NPR 276 million in mid-July 2018 versus a net profit of ~ NPR 7 million during fiscal year 2017 on an asset basis of NPR 223 million as of mid-July 2017. Through its head office and two branches, the company has been providing products and services such as Demand Deposit, Investor Savings, Normal Savings, Plus Savings, Balloon Savings, Fixed Deposits, Structured Fixed Deposit, Special Fixed Deposit, Children saving, Nari saving, Student Saving and Mahotsav Saving under their savings and deposit schemes and Home Loan, Home Equity Loan, Loan Against Share, Auto / Hire Purchase Loan, Personal and Family Loan, Educational Loan, Term Loan and Business Loan under of their loan schemes. Law of 1964. 30%. While corporate banks A, B, C-class financial institutions have not reached the rulers and poor communities. The Rules incorporates funds such as private equity, venture capital, hedge fund or any other fund in Nepal within the ambit . Learn how paid-in capital impacts a companys balance sheet. Its main branch is in Pako, New Road, Kathmandu. A corporation raised $10 million from stockholders and issued 1 million $1 shares. It was established according to the Financial Companies Law of 2042 B.S. [1] Class D: Micro Finance Financial Institutions [ edit] Micro finance financial institutions are rated as Class "D" banks by the Nepal Rastra Bank. There are 59 National and (6)six 1-3 district type Finance companies.. As per th NRB rules the paid up capital requirement for these development banks are respectively. When shares are bought and sold among investors on the secondary market, no additional paid-up capital is created as proceeds in those transactions go to the selling shareholders, not the issuing company. Legal Support by Quotes. (adsbygoogle = window.adsbygoogle || []).push({}); 2022 Wishes, Messages, Travel, Lifestyle, Tips in English, Hindi and Nepali Mount Everest. Excess capital is the money that investors pay on top of the stock's face value. Unique Nepal Laghubitta Bittiya Sanstha Ltd. 4 - 10 District (Bardiya, Banke, Kailali, Kanchanpur, Dang, Kapilbastu,Rupandehi, Nawalparasi, Surkhet, Dadeldhura), 4 - 10 District ( Dang, Pyuthan, Rolpa, Rukum, Salyan, Banke, Bardiya, Kailali, Aghakanchi, Kapilbastu ), Mahila Samudayik Laghubitta Bittiya Sanstha Limited, 10 District (Dang, Pyuthan, Rolpa, Rukum, Salyan, Banke, Bardiya, Kailali, Kapilbastu, Rupandehi), 10 District (Kaski, Tanahu, Lamjung, Gorkha, Syangja, Dhaging, Chitwan, Nawalparasi, Rupandehi, Palpa), Upakar Laghubitta Bittiya Sanstha Limited, Dhaulagiri Laghubitta Bittiya Sanstha Limited, CYC Nepal Laghubitta Bittiya Sanstha Limited, NESDO Samriddha Laghubitta Bittiya Sanstha, Swastik Laghubitta Bittiya Sanstha Limited, Garibi Nyunikaran Laghubitta Bittiya Sanstha, Shrijanshil Laghubitta Bittiya Sanstha Limited, Jiban Bikash Laghubitta Bittiya Sanstha Limited, Gharelu Laghubitta Bittiya Sanstha Limited, Janakpur Laghubitta Bittiya Sanstha Limited, Aatmanirbhar Laghubitta Bittiya Sanstha Limited, Shaligram Laghubitta Bittiya Sanstha Limited, Aviyan Laghubitta Bittiya Sanstha Limited, Deurali Laghubitta Bittiya Sanstha Limited, Nawa Kiran Laghubitta Bittiya Sanstha Limited, Khaptad Laghubitta Bittiya Sanstha Limited, To Disburse micro-credit, with or without any movable or immovable property as the collateral or security, for operating any micro-enterprise prescribed by the. As Nepal has adopted liberal, open market economic development policy, the role of private sectors has increased significantly. Progressive Finance Limited is a corporation registered at 14th Ashwin, 2051 under the Companies Act, 2021 BS. The fundamental mission is to facilitate financing which is the slogan of Guheswori Merchant banking and finance Ltd. Basically, the institution is focusing on people who have not yet had the ease of banking. A stock dividend is a payment to shareholders that is made in additional shares rather than in cash. 1 . Paid-Up Capital means the actual amount of funds/capital injected into a company by the Shareholder (s), usually in exchange for shares in the Company. Million Authorized Capital: 15, Issued Capital: 10, Paid Up Capital: 10, Promoters' Contribution 69% Public Contribution 31% Sources: Official Website of Nepal Investment Bank Ltd . Share capital is the money a company raises by issuing shares of common or preferred stock. August 18, 2022 | Investopaper Paid-up capital is the fund provided by the shareholders into the company since the establishment. In addition, we provide you the tips and tricks with a guide to make money online and offline. Dont do these mistakes when using du quick pay. It has been able to maintain sufficient liquidity ratios. They have excelled in their business/career field with very good integrity and social standing. What is Paid up Share Capital? Goodwill Finance Limited is the leading provider of financial solutions with a unique combination of dedication and perfect execution. Banks and financial institutions that have failed to meet the paid-up capital requirement of the Nepal Rastra Bank (NRB) will be forced to merge or seek an acquirer. As of mid-July 2018, MPFL had a market share of approximately 0.30% of deposits and 0.34% in terms of the industry credit portfolio of Nepalese financial companies. It mobilizes its sources in the form of fixed, savings, and other short-term deposits at competitive interest rates. 23 District Level (Baglung, Myagdi, Parbat, Syanja, Manang, Lamjung, Mustang, Gulmi, Pyuthan, Rolpa,Nawalparasi E.,Nawalparasi W., Rupandehi, Kapilbastu, Dang, Meromicrofinance Laghubitta Bittiya Sanatha, 10 District Level (Bara,Rautahat,Sarlahi,Mahottari,Sind huli, Parsa,Sunsari,Dhanusa, Udaypur, Chitwan). Also called paid-in capital, equity capital, or contributed capital, paid-up capital is simply the total amount of money shareholders have paid for shares at the initial issuance. The head office is at Best Finance Company Ltd., Kamaladi, Kathmandu -1. Guheswori Merchant banking and finance Ltd offers the services which are mobile banking, remittances, NCHL service, secure deposit box, C-ASBA, main facilities, electronic banking. 8,000,000,000.00 as paid up capital. Your email address will not be published. The company has started its service from the paid capital Rs. Loan and Advances: Easy Business Loan, Fixed Loan, Deposit Loan, Counter Stock, Rent to Buy Loan and Home Loan. LONDON: World oil prices slid to new multi-month lows on Friday as the market was rattled once again by concern about . The requirement for national-level development banks is Rs 2.5 billion, development banks working in four to 10 districts should have paid-up capital of Rs 1.2 billion, and development banks. The other branches are in Chahabil, Hetauda, Birgunj, Jhapa, Bara, Damak, Janakpur, Chitwan, Bhairahwa, Butwal, Rautahat, New road (Kathmandu), Tangal (Lalitpur), Khaireni, Morang. Support Microfinance Bittiya Sanstha Ltd. 4-10 Distrit Level (Sunsari, Terathum, Dhankuta, Panchthar, Bhojpur, Udayapur, Khotang, Sindhuli, Ramechhap, Makwanpur), 10+5 District Level(Sindhupalchok, Nuwakot, Dolakha, Ramechhap, Sindhuli, Okhaldhunga, Khotang, Bhojpur, Terathum, Dhankuta, Kavrepalachok, Dhading, Gorkha, Tanahu, Kaski), 10+5 District Level(Nawalparasi,Rupandehi,Kapilva stu,Gulmi,Arghakhachi,Palpa,Rolpa,Da ng,Salyan,E.Rukum,W.Rukum,Jajarkot.

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