With the main objective of providing micro finance services to household from Hilly and Mountainous regions of Nepal with prime focus on low-income households, assets-less, selfemployed in the informal sector to uplift their livelihood increasing involvement in economic activities and income generating activities. Panchsheel, alongwith other big corporates of Nepal jointly promoted NICLBSL. Besides all these financial services, it also focuses on their social development, cultural promotion, educational development, skill development.