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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 263

2887 posts

Top4 min read
Nepal’s Energy Sector Development: A Vision for Prosperity and Regional Cooperation
Nepal’s Energy Sector Development: A Vision for Prosperity and Regional Cooperation Nepal is rich in natural resources, and harnessing these resources effectively can lead to significant economic growth. The country boasts abundant natural resources like soil, water, air, timber, oil, solar energy, and wind energy. Among these, hydropower has emerged as one of the most crucial resources in Nepal’s energy sector.
Dipesh Ghimire5 Jun, 2025
Top3 min read
Subsidized Loans: Continuation Announced, But Budget Shortage Remains
Subsidized Loans: Continuation Announced, But Budget Shortage Remains The government of Nepal has announced that the subsidized loan program, which has been running for the past two years, will continue into the next fiscal year. However, despite this announcement, the program has faced significant challenges due to unresolved budgetary concerns and an outstanding debt of NPR 15 billion owed by the government. The situation raises questions about the program's future viability and its ability to deliver on its promises.
Dipesh Ghimire5 Jun, 2025
Top2 min read
Nepal’s Deepening Corruption Crisis: How a Democratic Dream Became a Governance Nightmare
Nepal’s Deepening Corruption Crisis: How a Democratic Dream Became a Governance Nightmare Nepal corruption scandal Tribhuvan Airport smuggling fake Bhutanese refugee scam gold smuggling Nepal 2025 Transparency International Nepal ranking FATF grey list Nepal political corruption in South Asia good governance lessons Bhutan failed leadership in Nepal rule of law in Nepal
Dipesh Ghimire4 Jun, 2025
Wealthy3 min read
How to Become Wealthy in 5 Years: A Realistic Roadmap
Want to build wealth fast? This guide breaks down six proven steps to become financially free within five years. Learn how to become financially educated, master money management, save with purpose, invest in passive income sources, network with self-made millionaires, and create multiple income streams. These wealth-building habits will help you escape the rat race, grow your assets, and secure long-term financial success. Perfect for anyone seeking practical steps toward financial independence and early retirement.
Sandeep Chaudhary3 Jun, 2025
Popular News3 min read
Hidden Crisis? Rising Non-Performing Loans Threaten Nepal’s Financial Stability
Hidden Crisis? Rising Non-Performing Loans Threaten Nepal’s Financial Stability As Nepal grapples with slowing economic activity, a silent storm is brewing in the heart of its financial system—non-performing loans (NPLs), or bad loans, are increasing at an alarming yet publicly understated rate. Before stepping down, former Governor Maha Prasad Adhikari had already sensed the ticking time bomb within the financial sector. As he presented the monetary policy for the fiscal year 2081/82, he was acutely aware of the surging NPL levels. When NPLs rose from 3.02% in Ashad 2080 to 3.98% in Ashad 2081, he included a provision in point 89 of the monetary policy—calling for the drafting of an Asset Management Act to handle bad loans and non-banking assets. But that promise appears to have evaporated without action or follow-up. There is no official record or update indicating that the draft law was ever submitted to the government before his retirement.
Dipesh Ghimire2 Jun, 2025
Top2 min read
Demat Accounts Reach 6.55 Million, Mero Share Users Climb to 5.59 Million
As of the month of Falgun in the current fiscal year 2081/82 (mid-February 2025), the number of Demat (beneficiary) accounts in Nepal has reached 6.55 million, accounting for 22.44% of the country's total population. This is a notable increase from 5.82 million accounts recorded at the end of the previous fiscal year. According to the Ministry of Finance, Demat account growth has been accelerating in recent years:
Dipesh Ghimire2 Jun, 2025
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Banking Industry2 min read
History of Banking Industry in Nepal
Nepal’s banking industry began in 1937 with the establishment of Nepal Bank Limited, the first commercial bank. The Nepal Rastra Bank, the country's central bank, was founded in 1956 to regulate monetary policy and issue currency. Over the decades, Nepal saw the creation of key institutions like Rastriya Banijya Bank (1966), Agricultural Development Bank (1968), and Nepal Industrial Development Corporation (1959). Financial liberalization in the 1980s and 1990s led to the rise of private banks, including Nepal Arab Bank (now Nabil Bank), and the introduction of finance companies. The Bank and Financial Institutions Act (BAFIA) of 2006 and its 2017 revision unified Nepal’s banking regulations. In recent years, the focus has shifted to digital banking, promoting QR and card-based payments, and reducing the number of banks through consolidation to strengthen the financial system.
Sandeep Chaudhary1 Jun, 2025
Top2 min read
Biography of Dr. Yuba Raj Khatiwada: From Central Banker to National Policy Architect
Biography of Dr. Yuba Raj Khatiwada: From Central Banker to National Policy Architect Dr. Yuba Raj Khatiwada stands as one of the most influential technocrats in Nepal's modern economic history. From steering Nepal Rastra Bank as its governor to shaping fiscal policy as finance minister, and later representing Nepal as its ambassador to the United States, his journey has been one defined by intellect, policy discipline, and national service. Born in Taplejung in eastern Nepal, Dr. Khatiwada completed his undergraduate and postgraduate studies in Economics and Public Administration from Tribhuvan University. He later earned a Ph.D. in Monetary Economics from the prestigious Delhi School of Economics in India.
Dipesh Ghimire1 Jun, 2025
Top2 min read
Biography of Dr. Bishwanath Paudel: A Technocrat Economist at the Helm of Nepal Rastra Bank
Biography of Dr. Bishwanath Paudel: A Technocrat Economist at the Helm of Nepal Rastra Bank Dr. Bishwanath Paudel has been appointed the 18th Governor of Nepal Rastra Bank (NRB), bringing with him a rich blend of academic excellence, international exposure, and domestic policy experience. A known technocrat with a non-political image, Dr. Paudel takes charge at a time when Nepal's financial sector is grappling with rising non-performing loans, sluggish credit growth, and surplus liquidity. A permanent resident of Chitwan, Dr. Paudel holds a Ph.D. in Agricultural and Resource Economics from the University of California, Berkeley. He began his academic journey with an engineering degree in Computer Science from the China Textile University, Shanghai.
Dipesh Ghimire1 Jun, 2025
Top3 min read
Governor Paudel Endorses Stock Market as a Tool for Financial Security and Diversification
Governor Paudel Endorses Stock Market as a Tool for Financial Security and Diversification In a rare and candid commentary from the top monetary authority, Nepal Rastra Bank Governor Dr. Vishwanath Paudel openly endorsed the stock market as a vital instrument for wealth diversification. His remarks come at a time when public trust in Nepal’s capital market has seen fluctuations due to market volatility, low financial literacy, and regulatory skepticism.
Dipesh Ghimire1 Jun, 2025

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Insights & Analysis

All Articles — Page 263

Nepal’s Energy Sector Development: A Vision for Prosperity and Regional Cooperation

Subsidized Loans: Continuation Announced, But Budget Shortage Remains

Nepal’s Deepening Corruption Crisis: How a Democratic Dream Became a Governance Nightmare

How to Become Wealthy in 5 Years: A Realistic Roadmap

Hidden Crisis? Rising Non-Performing Loans Threaten Nepal’s Financial Stability

Demat Accounts Reach 6.55 Million, Mero Share Users Climb to 5.59 Million

History of Banking Industry in Nepal

Biography of Dr. Yuba Raj Khatiwada: From Central Banker to National Policy Architect

Biography of Dr. Bishwanath Paudel: A Technocrat Economist at the Helm of Nepal Rastra Bank

Governor Paudel Endorses Stock Market as a Tool for Financial Security and Diversification

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 263

Nepal’s Energy Sector Development: A Vision for Prosperity and Regional Cooperation

Subsidized Loans: Continuation Announced, But Budget Shortage Remains

Nepal’s Deepening Corruption Crisis: How a Democratic Dream Became a Governance Nightmare

How to Become Wealthy in 5 Years: A Realistic Roadmap

Hidden Crisis? Rising Non-Performing Loans Threaten Nepal’s Financial Stability

Demat Accounts Reach 6.55 Million, Mero Share Users Climb to 5.59 Million

History of Banking Industry in Nepal

Biography of Dr. Yuba Raj Khatiwada: From Central Banker to National Policy Architect

Biography of Dr. Bishwanath Paudel: A Technocrat Economist at the Helm of Nepal Rastra Bank

Governor Paudel Endorses Stock Market as a Tool for Financial Security and Diversification