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The NEPSE Journal

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Market commentary, data deep-dives, and trading notes from the NEPSE Trading desk.

All Articles — Page 258

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Top2 min read
Nepal’s Public Debt Soars to NPR 2.65 Trillion: Rising External Borrowing Threatens Sustainable Development Goals
Nepal’s Public Debt Soars to NPR 2.65 Trillion: Rising External Borrowing Threatens Sustainable Development Goals Nepal's public debt has reached an alarming NPR 2.65 trillion (26 kharba 54 arba), with foreign loans alone accounting for nearly NPR 1.4 trillion (13 kharba 82 arba), raising concerns over the country’s ability to meet its Sustainable Development Goals (SDGs) by 2030. This data, published by Nepal’s Public Debt Management Office as of the end of Jestha (11 months into FY 2081/82), reveals a sharp rise in debt burden — both domestic and external — which now constitutes 43.47% of the country’s GDP.
Dipesh Ghimire3 Jul, 2025
Top2 min read
Media Trapping in Nepal’s Stock Market: A Growing Threat to Retail Investors
Media Trapping in Nepal’s Stock Market: A Growing Threat to Retail Investors In recent times, the term “media trapping” has become increasingly popular in Nepal’s stock market landscape. This refers to the act of influencing investor psychology through selective, misleading, or false information published via online media, newspapers, and social platforms. The intention behind such manipulation is to create artificial hype or fear to benefit a specific person, group, or institution by driving stock prices up or down. The method is calculated and strategic. When someone wants to inflate the price of a certain stock, they often circulate exaggerated or fake news—such as upcoming dividends, mergers, or expansion plans—across YouTube, Facebook, Viber groups, or news portals. These reports are rarely based on official disclosures or verified data. As ordinary investors begin buying, the stock price rises unnaturally. The manipulators then sell off their holdings at a profit. After that, the same channels may release negative news to spark panic and drive the price back down, leaving retail investors trapped in loss.
Dipesh Ghimire2 Jul, 2025
Top2 min read
Why Every Investor Must Stay Informed — Lessons from a Financial Literacy Workshop
In a recent financial literacy training session, a participant raised a thought-provoking question that resonates with many long-term investors: "I am a long-term investor. Once I purchase a stock, I hold it for at least five years. I don’t actively trade or switch companies often like traders do. So why should I frequently check financial news or company updates?" This question opened the floor for a broader discussion. Before the session had officially begun, another participant had informally shared with the trainer that he had once lost NPR 100,000 because he was unaware of a rights offering by an insurance company. As a result, he missed the application window. "Maybe the stock market isn’t for me," he said, expressing his frustration over the incident.
Dipesh Ghimire2 Jul, 2025
Top2 min read
Key Financial Authorities in Nepal: A Comprehensive Guide to Verification and Oversight
Key Financial Authorities in Nepal: A Comprehensive Guide to Verification and Oversight In a growing and increasingly digitalized financial market, the need for verified information and regulatory transparency has become more critical than ever. Investors, financial institutions, and the general public are advised to stay informed through official sources provided by Nepal’s financial regulatory and oversight bodies. A compiled list of 13 key institutions offers a roadmap for anyone seeking reliable data, market updates, or regulatory guidance in the Nepalese capital market.
Dipesh Ghimire2 Jul, 2025
Top2 min read
Liquidity Improves as Banks Prioritize Loan Recovery Over Disbursement Amid Sluggish Economy
Liquidity Improves as Banks Prioritize Loan Recovery Over Disbursement Amid Sluggish Economy As the Nepali fiscal year approaches its close in Asar (mid-June to mid-July), banks and financial institutions in Nepal have shifted their focus more towards loan recovery than fresh loan disbursement. This strategic adjustment is starting to ease the liquidity crunch that the banking sector has grappled with in recent months. According to data published by Nepal Rastra Bank (NRB), the average credit-to-deposit (CD) ratio of the banking sector has dropped to 78.05% as of last Thursday, reflecting a 0.08 percentage point decrease from the previous day. This downward trend in CD ratio indicates growing investable liquidity within the banking system.
Dipesh Ghimire30 Jun, 2025
Top2 min read
Nepal’s Capital Market: Challenges, Reform Proposals, and the Path to Effective Regulation
Nepal’s Capital Market: Challenges, Reform Proposals, and the Path to Effective Regulation Nepal’s capital market, while showing signs of gradual maturity, continues to face persistent structural and operational challenges that mirror issues in other global markets. However, experts argue that the true differentiator lies not in the problems themselves—but in how effectively those problems are identified, addressed, and resolved. Referencing author Pierre Filion, who noted that “the real problem is in finding the solution to a problem,” this article explores how Nepal’s capital market can overcome its systemic weaknesses.
Dipesh Ghimire30 Jun, 2025
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Provision for Loan Loss and Non-Performing Loans Surge in Microfinance Sector
Provision for Loan Loss and Non-Performing Loans Surge in Microfinance Sector There has been a notable increase in both the total loan loss provisioning and provisioning for non-performing loans (NPLs) among microfinance institutions (MFIs), including both wholesale and retail lending MFIs, according to Nepal Rastra Bank (NRB). This was highlighted in the third-quarter off-site supervision report for FY 2081/82 published by NRB’s Microfinance Supervision Department.
Dipesh Ghimire28 Jun, 2025
Top2 min read
Loan Rates Drop as Commercial Banks Slash Base Rates Below 5%
Loan Rates Drop as Commercial Banks Slash Base Rates Below 5% In a significant development in Nepal’s banking sector, several commercial banks have reduced their base lending rates, with Standard Chartered Bank and Rastriya Banijya Bank bringing their rates below 5 percent. This marks the lowest base rates seen in recent years and signals a major shift in the cost of borrowing across the economy. The base rate is a benchmark used by banks to determine loan interest rates. When the base rate falls, the cost of loans becomes cheaper for businesses and consumers. Banks generally add a fixed premium—up to 5 percent—on top of the base rate when setting final interest rates for borrowers. Therefore, a decline in the base rate means a directly proportional reduction in loan interest costs.
Dipesh Ghimire27 Jun, 2025
Top2 min read
Strengthening Financial Literacy in Nepal's Education System
Strengthening Financial Literacy in Nepal's Education System Nepal’s evolving education system is gradually embracing the importance of financial literacy, especially at the secondary level. While basic mathematical skills have long been embedded in the foundational curriculum, financial education is now increasingly being recognized as essential for both personal and national economic development. Currently, Nepal’s curriculum incorporates financial concepts in the form of optional economics subjects for Grades 9 and 10, categorized under Social Science. These courses introduce students to key economic principles such as consumption, production, exchange, and distribution, helping them understand how economic units make rational decisions using limited resources. Moreover, the curriculum aims to equip students with the ability to analyze the country's current economic conditions, make sound personal and business decisions, forecast future trends, and develop respect for labor and responsible financial behavior.
Dipesh Ghimire25 Jun, 2025
Top2 min read
High Contribution of Service Sector to Koshi Province's GDP
High Contribution of Service Sector to Koshi Province's GDP The service sector holds the highest share in Koshi Province’s Gross Domestic Product (GDP), according to a recent study by Nepal Rastra Bank. The service sector is estimated to contribute 49.85% to the province’s GDP for the fiscal year 2081/82. Agriculture is expected to contribute 34.05%, while the industrial sector will make up 16.09%.
Dipesh Ghimire25 Jun, 2025

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Primary issues

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Insights & Analysis

All Articles — Page 258

Nepal’s Public Debt Soars to NPR 2.65 Trillion: Rising External Borrowing Threatens Sustainable Development Goals

Media Trapping in Nepal’s Stock Market: A Growing Threat to Retail Investors

Why Every Investor Must Stay Informed — Lessons from a Financial Literacy Workshop

Key Financial Authorities in Nepal: A Comprehensive Guide to Verification and Oversight

Liquidity Improves as Banks Prioritize Loan Recovery Over Disbursement Amid Sluggish Economy

Nepal’s Capital Market: Challenges, Reform Proposals, and the Path to Effective Regulation

Provision for Loan Loss and Non-Performing Loans Surge in Microfinance Sector

Loan Rates Drop as Commercial Banks Slash Base Rates Below 5%

Strengthening Financial Literacy in Nepal's Education System

High Contribution of Service Sector to Koshi Province's GDP

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 258

Nepal’s Public Debt Soars to NPR 2.65 Trillion: Rising External Borrowing Threatens Sustainable Development Goals

Media Trapping in Nepal’s Stock Market: A Growing Threat to Retail Investors

Why Every Investor Must Stay Informed — Lessons from a Financial Literacy Workshop

Key Financial Authorities in Nepal: A Comprehensive Guide to Verification and Oversight

Liquidity Improves as Banks Prioritize Loan Recovery Over Disbursement Amid Sluggish Economy

Nepal’s Capital Market: Challenges, Reform Proposals, and the Path to Effective Regulation

Provision for Loan Loss and Non-Performing Loans Surge in Microfinance Sector

Loan Rates Drop as Commercial Banks Slash Base Rates Below 5%

Strengthening Financial Literacy in Nepal's Education System

High Contribution of Service Sector to Koshi Province's GDP