Banking - Nepal's Financial Backbone
We’re backing Nepal’s essential banking sector. There are 20 commercial banks plus development banks and finance companies, with over 11,400 branches and 62 million deposit accounts. Deposits have crossed Rs 77 trillion, and the sector is well-capitalized with a 12.6% capital adequacy ratio.
It fuels the economy — channeling remittances, funding hydropower and infrastructure, and powering digital payments. Mobile banking has surged past 25 million users, electronic transactions are exploding, and QR payments are becoming everyday. The central bank is actively supporting fintech through regulatory sandboxes.
It’s a defensive play: stable deposits, strong remittance inflows, and a young population driving digital growth. Non-performing loans sit around 5%, with occasional political bumps as the main risk. The blend of traditional banking and fast-growing fintech gives this sector solid long-term returns.
