Nepal’s Banking3 min readNepal’s Banking Paradox: Flush with Cash, but Starved for BorrowersNepal has made phenomenal strides in financial inclusion. With 53 BFIs operating through 6,343 branches, the system boasts over 63.6 million deposit accounts and upwards of 30.3 million mobile banking users. However, the ultimate challenge lies in leveraging this massive network. The data reveals a stark reality: the pressing economic question has shifted from "Where is the money?" to "Why isn't the money moving?" Until the overall investment climate improves and entrepreneurial morale is restored, cheap credit and overflowing bank vaults alone will not be enough to turn the wheels of the economy.Dipesh Ghimire·20 Sep, 2026
STOCK2 min readThe Supply Paradox: NEPSE Market Capitalization Shrinks Despite Influx of New SecuritiesThe current scenario highlights a clear imbalance: the continuous surge in the supply of tradable securities is heavily outpacing investor demand in the secondary market. The traditional metric of measuring market expansion solely by counting the number of listed companies is fundamentally flawed. Genuine market expansion and sustainable wealth creation require more than just new IPOs; they demand a vibrant economy, robust corporate earnings, and a corresponding surge in investor demand capable of absorbing the heightened supply of shares.Dipesh Ghimire·20 Sep, 2026
1 min readSEBON Proposes Strict IPO Rules: Artificial Profits Banned, Directors' Backgrounds to be ScrutinizedTo prevent the misuse of funds raised from the general public, the Board has proposed that a clear plan for capital utilization must be endorsed by the company's Annual General Meeting (AGM). Funds collected through an IPO cannot be diverted to areas other than the pre-approved objectives, and companies must mandatorily implement an internal risk management system. Once these guidelines are implemented, it will ensure that only financially robust and well-governed companies gain entry into the capital market.Dipesh Ghimire·18 Sep, 2026
Mutual Funds1 min readRBB Declares Dividends for Two Mutual Funds, Book Closure on Ashwin 12For the purpose of dividend distribution, the company has fixed the book closure date for Ashwin 12. This means that investors must purchase or hold their units by Ashwin 11 to be eligible for the announced dividends. Only those who remain registered as unitholders by that date will be entitled to receive the returns.Dipesh Ghimire·18 Sep, 2026
World Bank 1 min readWorld Bank Hits Record High, Mobilizes $112 Billion in Private Capital for Developing NationsWorld Bank President Ajay Banga has emphasized that merely raising capital is not enough; the ultimate goal must be job creation. With an estimated 1.2 billion youth entering the workforce in developing countries over the next 10 to 15 years against a projected creation of only 420 million jobs, the looming employment crisis is immense. Since the private sector accounts for 90 percent of job opportunities, the Bank has strategically channeled 55 percent of its total investments into high-potential sectors such as energy, infrastructure, agriculture, health, tourism, and manufacturing. Moving forward, the institution plans to leverage the 'Originate to Distribute' model to further integrate long-term institutional investors into developing markets.Dipesh Ghimire·18 Sep, 2026
Promoter Shares1 min readFlood of Promoter Shares Hits Secondary Market Following ISIN Merger, Investors Adopt 'Wait and See' ApproachThe selling spree is not limited to these two companies; founders of various hydropower and energy firms are also rushing to pull out their investments. Aditya Agrawal of Modi Energy has announced the sale of 472,000 units, while Roshan KC and Pragya Thapa of Bhagawati Hydropower are selling nearly 350,000 shares combined. Furthermore, two promoters of Upper Hewakhola are preparing to sell 134,000 units, and Dolma Impact Fund-1 has also issued a public notice signaling its exit from Shwet Ganga Hydropower.Dipesh Ghimire·18 Sep, 2026
cib1 min readCIB Busts Billion-Rupee Hundi Racket, 24-Year-Old Arrested in DhanushaPolice had been closely monitoring the situation based on tip-offs about large-scale illicit transactions. After securing an arrest warrant from the Dhanusha District Court, the joint team took Mukhiya into custody from his hometown.Dipesh Ghimire·17 Sep, 2026
banking1 min readExcess Liquidity in the Banking System: Most Banks Keep Deposit Rates Stable for AshwinHaving slashed rates over an extended period, banks now have very little room for further reductions. With the Nepal Rastra Bank's policy rate currently at 4.50% and the standing deposit facility rate at 2.75%, both short- and long-term deposit rates are already hovering near the bottom of the interest rate corridor. Unless the economy gains full momentum and credit demand surges, competition to attract deposits will remain low, and major fluctuations in interest rates are highly unlikely in the near future.Dipesh Ghimire·16 Sep, 2026
Nepal Rastra Bank1 min readNepal Rastra Bank Unveils 5-Year 'Fintech Strategy' for Cheaper, Safer Digital BankingTo tackle the security challenges posed by emerging technologies, the central bank has committed to modernizing its own regulatory and supervisory mechanisms. With a strong focus on facilitating innovative financial products—such as digital lending and new payment alternatives—the successful execution of this strategy is expected to make Nepal's broader digital payment ecosystem more inclusive, affordable, and resilient to risks.Dipesh Ghimire·16 Sep, 2026
Real Estate1 min readReal Estate Market Bounces Back: Transaction Value Nearly Doubles in a YearDespite the encouraging numbers, economic analysts question the long-term sustainability of this boom. Since real estate is largely considered an unproductive sector, a surge in land trading does not automatically translate to broader economic strength or job creation. Therefore, regulatory bodies like the NRB will need to closely monitor the quality of bank credit and the broader economic impacts to prevent future financial risks.Dipesh Ghimire·16 Sep, 2026