Udyamsheel- Promoting Entrepreneurship

25/09/2026

इन्द्रजात्राको हार्दिक शुभकामना

22/09/2026

कर्जा छ। तर कर्जायोग्य उद्यम कति छन्?

नेपालको बैंकिङ प्रणालीमा निक्षेप छ। कर्जा दिने क्षमता छ। MCSMI लाई प्राथमिकता दिने नीति पनि छ।

तर एउटा गहिरो प्रश्न बाँकी छ:

हामी कर्जा विस्तार गरिरहेका छौँ, कि उद्यम विस्तार गरिरहेका छौँ?

यदि उद्यम वित्तीय रूपमा तयार छैन, कारोबार पारदर्शी छैन, नगद प्रवाह स्पष्ट छैन, बजार सुनिश्चित छैन र व्यवसाय विस्तारको क्षमता कमजोर छ भने थप कर्जाले मात्र दिगो उद्यम निर्माण गर्दैन।

अब बहस “थप कर्जा कसरी दिने?” बाट
“थप उद्यमलाई लगानीयोग्य, कर्जायोग्य, सक्षम र प्रतिस्पर्धी कसरी बनाउने?” तर्फ जान आवश्यक छ।

कर्जा उद्यम विकासको साधन हो, अन्तिम लक्ष्य होइन।

Udyamsheel | Nepal’s Integrated Business Enabler

लघु, घरेलु तथा साना उद्योगका लागि नेपालको वित्तीय नीतिले अब कर्जाको परिमाणभन्दा उद्यमको क्षमता हेर्नुपर्छ नेपा.....

16/09/2026

𝐍𝐞𝐩𝐚𝐥 𝐇𝐚𝐬 𝐋𝐢𝐪𝐮𝐢𝐝𝐢𝐭𝐲. 𝐒𝐨 𝐖𝐡𝐚𝐭’𝐬 𝐇𝐨𝐥𝐝𝐢𝐧𝐠 𝐂𝐫𝐞𝐝𝐢𝐭 𝐁𝐚𝐜𝐤?

𝐒𝐭𝐫𝐮𝐜𝐭𝐮𝐫𝐚𝐥 𝐩𝐫𝐨𝐛𝐥𝐞𝐦 𝐨𝐫 𝐜𝐨𝐧𝐟𝐢𝐝𝐞𝐧𝐜𝐞?

With 𝐍𝐏𝐑 𝟖.𝟑𝟒𝐓 𝐢𝐧 𝐝𝐞𝐩𝐨𝐬𝐢𝐭𝐬, 𝐍𝐏𝐑 𝟔.𝟎𝟎𝐓 𝐢𝐧 𝐜𝐫𝐞𝐝𝐢𝐭 and a 𝟕𝟏.𝟑𝟓% 𝐂𝐃 𝐫𝐚𝐭𝐢𝐨, the challenge is increasingly about 𝐜𝐫𝐞𝐝𝐢𝐭 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐢𝐨𝐧.

From 𝐥𝐢𝐪𝐮𝐢𝐝𝐢𝐭𝐲 → 𝐛𝐚𝐧𝐤𝐚𝐛𝐢𝐥𝐢𝐭𝐲 → 𝐪𝐮𝐚𝐥𝐢𝐭𝐲 𝐜𝐫𝐞𝐝𝐢𝐭 → 𝐩𝐫𝐨𝐝𝐮𝐜𝐭𝐢𝐯𝐞 𝐠𝐫𝐨𝐰𝐭𝐡.

Liquidity Is Available. Credit Conversion Is the Question Nepal’s banking system is entering a new phase in which the central question may be shifting from liquidity availability to effective credit conversion.

15/09/2026

𝐑𝐢𝐬𝐤 𝐌𝐚𝐧𝐚𝐠𝐞𝐦𝐞𝐧𝐭 𝐈𝐬 𝐌𝐨𝐯𝐢𝐧𝐠 𝐅𝐫𝐨𝐦 𝐂𝐨𝐦𝐩𝐥𝐢𝐚𝐧𝐜𝐞 𝐓𝐨 𝐈𝐧𝐬𝐭𝐢𝐭𝐮𝐭𝐢𝐨𝐧𝐚𝐥 𝐑𝐞𝐬𝐢𝐥𝐢𝐞𝐧𝐜𝐞.

Nepal Rastra Bank’s 𝐑𝐢𝐬𝐤 𝐌𝐚𝐧𝐚𝐠𝐞𝐦𝐞𝐧𝐭 𝐆𝐮𝐢𝐝𝐞𝐥𝐢𝐧𝐞𝐬 𝟐𝟎𝟐𝟔 mark an important shift in how banks and financial institutions are expected to understand, govern and respond to risk.

The framework brings 𝐜𝐫𝐞𝐝𝐢𝐭, 𝐥𝐢𝐪𝐮𝐢𝐝𝐢𝐭𝐲, 𝐨𝐩𝐞𝐫𝐚𝐭𝐢𝐨𝐧𝐚𝐥, 𝐦𝐚𝐫𝐤𝐞𝐭, 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭-𝐫𝐚𝐭𝐞, 𝐭𝐞𝐜𝐡𝐧𝐨𝐥𝐨𝐠𝐲 𝐚𝐧𝐝 𝐜𝐥𝐢𝐦𝐚𝐭𝐞 𝐫𝐢𝐬𝐤𝐬 into a more integrated, Board-led approach.

But the bigger question is not simply:

𝐀𝐫𝐞 𝐢𝐧𝐬𝐭𝐢𝐭𝐮𝐭𝐢𝐨𝐧𝐬 𝐜𝐨𝐦𝐩𝐥𝐢𝐚𝐧𝐭?

It is:

𝐀𝐫𝐞 𝐭𝐡𝐞𝐲 𝐩𝐫𝐞𝐩𝐚𝐫𝐞𝐝?

Prepared to identify risks early.
Prepared to act before deterioration becomes loss.
Prepared to withstand disruption.
Prepared to take informed risk while protecting long-term institutional resilience.

We believe sustainable enterprise and financial-sector growth require more than access to finance. They require bankability, capability, governance, resilience and informed decision-making.

Our latest article explores the key directions of NRB’s 2026 Risk Management Guidelines and what they mean for the future of banking in Nepal.

𝐅𝐫𝐨𝐦 𝐑𝐢𝐬𝐤 𝐂𝐨𝐧𝐭𝐫𝐨𝐥 𝐓𝐨 𝐈𝐧𝐬𝐭𝐢𝐭𝐮𝐭𝐢𝐨𝐧𝐚𝐥 𝐑𝐞𝐬𝐢𝐥𝐢𝐞𝐧𝐜𝐞.

Read the full article and join the conversation.

What Nepal Rastra Bank ’s Risk Management Guidelines 2026 Mean For The Future Of Banking Nepal Rastra Bank ’s Risk Management Guidelines 2026 signal an important evolution in the way banks and financial institutions are expected to understand, govern and manage risk. The message is broader than ...

15/09/2026

𝐍𝐞𝐩𝐚𝐥’𝐬 𝐑𝐞𝐚𝐥 𝐄𝐬𝐭𝐚𝐭𝐞 𝐌𝐚𝐫𝐤𝐞𝐭 | 𝐐𝟒 𝐅𝐘 𝟐𝟎𝟖𝟐/𝟖𝟑

The latest Nepal Rastra Bank 𝐐𝟒 𝐫𝐞𝐩𝐨𝐫𝐭 points to a notable strengthening in Nepal’s real estate activity.

In Q4 FY 2082/83, total real estate transactions reached 𝟏𝟐𝟎.𝟒 𝐭𝐡𝐨𝐮𝐬𝐚𝐧𝐝, while total turnover stood at approximately 𝐍𝐏𝐑 𝟐𝟕𝟓.𝟕 𝐛𝐢𝐥𝐥𝐢𝐨𝐧.

But the headline numbers tell only part of the story.

The report offers a broader view of 𝐭𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧 𝐯𝐨𝐥𝐮𝐦𝐞𝐬, 𝐥𝐚𝐧𝐝-𝐚𝐫𝐞𝐚 𝐝𝐲𝐧𝐚𝐦𝐢𝐜𝐬, 𝐫𝐞𝐠𝐢𝐨𝐧𝐚𝐥 𝐩𝐚𝐭𝐭𝐞𝐫𝐧𝐬, 𝐠𝐨𝐯𝐞𝐫𝐧𝐦𝐞𝐧𝐭 𝐫𝐞𝐯𝐞𝐧𝐮𝐞, 𝐚𝐧𝐝 𝐛𝐚𝐧𝐤 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠, providing important signals on how activity is evolving across the real estate and financial ecosystem.

For policymakers, financial institutions, developers and investors, the key question is not simply whether the market is recovering, but 𝐰𝐡𝐚𝐭 𝐢𝐬 𝐝𝐫𝐢𝐯𝐢𝐧𝐠 𝐭𝐡𝐞 𝐫𝐞𝐜𝐨𝐯𝐞𝐫𝐲 𝐚𝐧𝐝 𝐰𝐡𝐞𝐭𝐡𝐞𝐫 𝐢𝐭 𝐢𝐬 𝐬𝐮𝐬𝐭𝐚𝐢𝐧𝐚𝐛𝐥𝐞.

𝐓𝐡𝐞 𝐫𝐞𝐚𝐥 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧: 𝐀𝐫𝐞 𝐰𝐞 𝐰𝐢𝐭𝐧𝐞𝐬𝐬𝐢𝐧𝐠 𝐚 𝐬𝐮𝐬𝐭𝐚𝐢𝐧𝐚𝐛𝐥𝐞 𝐫𝐞𝐜𝐨𝐯𝐞𝐫𝐲 𝐢𝐧 𝐫𝐞𝐚𝐥 𝐞𝐬𝐭𝐚𝐭𝐞, 𝐨𝐫 𝐬𝐢𝐦𝐩𝐥𝐲 𝐚 𝐫𝐞𝐯𝐢𝐯𝐚𝐥 𝐢𝐧 𝐭𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧𝐬?

15/09/2026

𝐀 𝐍𝐞𝐰 𝐃𝐢𝐫𝐞𝐜𝐭𝐢𝐨𝐧 𝐟𝐨𝐫 𝐍𝐞𝐩𝐚𝐥’𝐬 𝐃𝐢𝐠𝐢𝐭𝐚𝐥 𝐅𝐢𝐧𝐚𝐧𝐜𝐞.

Nepal Rastra Bank’s 𝐅𝐢𝐧𝐭𝐞𝐜𝐡 𝐒𝐭𝐫𝐚𝐭𝐞𝐠𝐲 𝐟𝐨𝐫 𝐃𝐢𝐠𝐢𝐭𝐚𝐥 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐒𝐞𝐫𝐯𝐢𝐜𝐞𝐬 𝟐𝟎𝟐𝟔/𝟐𝟕–𝟐𝟎𝟑𝟎/𝟑𝟏 sets an important direction toward a 𝐭𝐫𝐮𝐬𝐭𝐞𝐝, 𝐢𝐧𝐜𝐥𝐮𝐬𝐢𝐯𝐞, 𝐢𝐧𝐧𝐨𝐯𝐚𝐭𝐢𝐯𝐞 𝐚𝐧𝐝 𝐫𝐞𝐬𝐢𝐥𝐢𝐞𝐧𝐭 𝐝𝐢𝐠𝐢𝐭𝐚𝐥 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐞𝐜𝐨𝐬𝐲𝐬𝐭𝐞𝐦.

Its strength lies beyond technology, bringing together 𝐦𝐨𝐝𝐞𝐫𝐧 𝐢𝐧𝐟𝐫𝐚𝐬𝐭𝐫𝐮𝐜𝐭𝐮𝐫𝐞, 𝐞𝐧𝐚𝐛𝐥𝐢𝐧𝐠 𝐫𝐞𝐠𝐮𝐥𝐚𝐭𝐢𝐨𝐧, 𝐢𝐧𝐧𝐨𝐯𝐚𝐭𝐢𝐨𝐧, 𝐞𝐜𝐨𝐬𝐲𝐬𝐭𝐞𝐦 𝐜𝐨𝐥𝐥𝐚𝐛𝐨𝐫𝐚𝐭𝐢𝐨𝐧 𝐚𝐧𝐝 𝐝𝐢𝐠𝐢𝐭𝐚𝐥 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐞𝐦𝐩𝐨𝐰𝐞𝐫𝐦𝐞𝐧𝐭.

With a clear focus on 𝐌𝐒𝐌𝐄𝐬, 𝐫𝐮𝐫𝐚𝐥 𝐜𝐨𝐦𝐦𝐮𝐧𝐢𝐭𝐢𝐞𝐬, 𝐲𝐨𝐮𝐭𝐡, 𝐰𝐨𝐦𝐞𝐧 𝐚𝐧𝐝 𝐭𝐡𝐞 𝐠𝐢𝐠 𝐞𝐜𝐨𝐧𝐨𝐦𝐲, the strategy reinforces a vision where digital finance advances not only access, but also 𝐮𝐬𝐚𝐠𝐞, 𝐪𝐮𝐚𝐥𝐢𝐭𝐲, 𝐭𝐫𝐮𝐬𝐭 𝐚𝐧𝐝 𝐢𝐧𝐜𝐥𝐮𝐬𝐢𝐨𝐧.

𝐓𝐡𝐞 𝐝𝐢𝐫𝐞𝐜𝐭𝐢𝐨𝐧 𝐢𝐬 𝐜𝐥𝐞𝐚𝐫.
𝐓𝐡𝐞 𝐨𝐩𝐩𝐨𝐫𝐭𝐮𝐧𝐢𝐭𝐲 𝐧𝐨𝐰 𝐢𝐬 𝐢𝐦𝐩𝐥𝐞𝐦𝐞𝐧𝐭𝐚𝐭𝐢𝐨𝐧.

From access to meaningful usage.
From innovation to responsible innovation.
From digital services to empowered users.

A stronger digital financial ecosystem can become a foundation for 𝐛𝐫𝐨𝐚𝐝𝐞𝐫 𝐩𝐚𝐫𝐭𝐢𝐜𝐢𝐩𝐚𝐭𝐢𝐨𝐧 𝐚𝐧𝐝 𝐬𝐮𝐬𝐭𝐚𝐢𝐧𝐚𝐛𝐥𝐞 𝐞𝐜𝐨𝐧𝐨𝐦𝐢𝐜 𝐝𝐞𝐯𝐞𝐥𝐨𝐩𝐦𝐞𝐧𝐭 𝐢𝐧 𝐍𝐞𝐩𝐚𝐥.

14/09/2026

हरितालिका तीजको हार्दिक शुभकामना।

11/09/2026

𝐍𝐞𝐩𝐚𝐥’𝐬 𝐂𝐫𝐞𝐝𝐢𝐭 𝐆𝐫𝐨𝐰𝐭𝐡: 𝐂𝐫𝐞𝐚𝐭𝐢𝐧𝐠 𝐂𝐫𝐞𝐝𝐢𝐭 𝐨𝐫 𝐌𝐨𝐯𝐢𝐧𝐠 𝐈𝐭 𝐀𝐫𝐨𝐮𝐧𝐝?

Nepal’s credit has grown 𝟑.𝟓× in a decade. Loan accounts, by 𝟖𝟓%.

So, what is really happening beneath the numbers?

𝐂𝐫𝐞𝐝𝐢𝐭 𝐠𝐫𝐨𝐰𝐭𝐡 𝐢𝐬 𝐚 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥-𝐬𝐞𝐜𝐭𝐨𝐫 𝐨𝐮𝐭𝐜𝐨𝐦𝐞.
𝐏𝐫𝐨𝐝𝐮𝐜𝐭𝐢𝐯𝐞 𝐜𝐚𝐩𝐚𝐜𝐢𝐭𝐲 𝐢𝐬 𝐚𝐧 𝐞𝐜𝐨𝐧𝐨𝐦𝐢𝐜 𝐨𝐮𝐭𝐜𝐨𝐦𝐞.

The real agenda: 𝐰𝐡𝐨 𝐠𝐞𝐭𝐬 𝐜𝐫𝐞𝐝𝐢𝐭, 𝐰𝐡𝐞𝐫𝐞 𝐢𝐭 𝐠𝐨𝐞𝐬, 𝐚𝐧𝐝 𝐰𝐡𝐚𝐭 𝐢𝐭 𝐞𝐧𝐚𝐛𝐥𝐞𝐬.

𝐂𝐫𝐞𝐝𝐢𝐭 𝐌𝐢𝐠𝐫𝐚𝐭𝐢𝐨𝐧 𝐦𝐨𝐯𝐞𝐬 𝐭𝐡𝐞 𝐬𝐚𝐦𝐞 𝐩𝐢𝐞.
𝐂𝐫𝐞𝐝𝐢𝐭 𝐂𝐫𝐞𝐚𝐭𝐢𝐨𝐧 𝐦𝐚𝐤𝐞𝐬 𝐭𝐡𝐞 𝐩𝐢𝐞 𝐛𝐢𝐠𝐠𝐞𝐫.

What Nepal’s decade of credit growth tells us about access, bankability and productive investment Are we creating new productive credit demand, or are we increasingly reallocating and deepening credit across sectors, enterprises and borrowers? The distinction matters. Nepal’s credit system has e...

11/09/2026

बुबाको मुख हेर्ने दिन/कुशे औंसी
Happy Father's Day