As poverty is the main development challenge for the overall development of Nepal and microfinance is becoming globally an effective tool for poverty reduction there is tremendous scope of microfinance services in Nepal, rural areas in particular. Nepal being a least developed country  has abundant scope of micro finance services that will help in generating income of  people  below in the poverty line. Nepal, since 1974, has been undertaking different micro financing models to cater the credit need of the rural poor thereby involving them in income generation. Apart from this, the existing micro finance services are mostly concentrated their