Lekhnath Bank 1

  • Status: Complete
  • People Housed: 400
  • Country: Nepal
  • City: Lekhnath
  • Partner: Lumanti
  • Year Approved: 2018
Delivery of Homes
Total Expected
Self Build
Improvement Loan
Project Overview

This project is located in Lekhnath municipality, in northern-central Nepal. Serving low-income residents that are unable to access traditional housing finance, Lumanti provided a 50% guarantee to Kamana Bikash Bank for loans to project clients. In this way, Lumanti have been able to leverage private finance and encourage banks to lend to income groups that they previously considered too risky.

The clients used the loans to construct detached, single-storey buildings that could be incrementally extended in the future, or to upgrade their existing homes. Lumanti also provided a team of community architects which worked with households to help them design housing according to their needs. This project was designed to set a precedent, encouraging continued long-term entry of formal finance institutions into informal settlement upgradation.

Homes Completed
Homes Occupied
Connected to Electricity
Connected to Water and Sanitation

Client Data

Displayed In
Client Monthly Household Incomes

Clients estimated to sit between 1st and 10th percentiles of incomes in Lekhnath

17,500 NPR
151 USD
40th percentile at year of occupancy NPR 29,337
40th percentile at year of occupancy $253
Household Demographic Data
Household Size
Proportion Female
Proportion Children
Proportion Elderly
Housing Information
Description Type Number Expected Number Completed Unit Size (m2) Monthly Cost
(Local Currency)
Loan Length (months)
Self Build Loans Self Build 71 71 34 4761 84
Home upgrading loans Loan 29 29 34 4761 84
Finance Description Finance Source Interest Rate (%)
Self Build Loans Kamana Bikash Bank 4.0
Home upgrading loans Kamana Bikash Bank 4.0

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Data last updated on 10/03/2021