KATHMANDU, Jan 2: Bagmati Province holds the largest share of deposits and loans among banks and financial institutions (BFIs).
According to the Economic Activities Study Annual Report for Fiscal Year (FY) 2024/25, published by Nepal Rastra Bank (NRB) on Thursday, Bagmati Province accounted for 65.8 per cent of total deposits mobilised by BFIs and 59.5 per cent of total loan disbursement as of July 16, 2025.
In FY 2024/25, banks and financial institutions collected a total of Rs 7,295 billion in deposits. Of this, Rs 4,797 billion came from Bagmati Province alone. Other provinces contributed as follows: Koshi – Rs 553 billion; Madhes – Rs 407 billion; Gandaki – Rs 612 billion; Karnali – Rs 91.9 billion; and Sudurpaschim – Rs 173 billion.
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Similarly, out of Rs 5,586 billion in loans disbursed by mid-July 2025, Rs 3,323 billion went to Bagmati Province. Loans disbursed in other provinces were: Koshi – Rs 613 billion; Madhes – Rs 495 billion; Gandaki – Rs 356 billion; Lumbini – Rs 577 billion; Karnali – Rs 62.12 billion; and Sudurpaschim – Rs 157 billion.
As per NRB, loans disbursed by BFIs in the agricultural sector reached Rs 336 billion, a marginal decrease of 0.04 per cent compared to the same period in the previous fiscal year. Of the total agricultural loans, the largest share went to livestock and animal slaughtering at Rs 61.19 billion, while the smallest went to tobacco at Rs 206 million. The provincial share of agricultural loans was: Koshi – 16.7 per cent; Madhes – 18.7 per cent; Bagmati – 36.2 per cent; Gandaki – 7.1 per cent; Lumbini – 15 per cent; Karnali – 1.5 per cent; and Sudurpaschim – 4.7 per cent.
By the end of last Ashar (July 16, 2025), loans amounting to Rs 1,699 billion 490 million had been disbursed in the industrial sector, representing 30.42 per cent of total loans. The highest industrial loan disbursement was in the non-food manufacturing sector at 35.27 per cent, followed by electricity, gas and water at 26.26 per cent; agriculture, forestry, and beverage-related industries at 21.85 per cent; construction at 11.70 per cent; metal products, machinery and electronics at 4.23 per cent; and the lowest in mining at 0.69 per cent.
Bagmati Province led in industrial loans, with Rs 1,280 billion 970 million disbursed, accounting for 71.3 per cent of total industrial loans. Loan shares in other provinces were: Koshi – 10.5 per cent; Lumbini – 8.3 per cent; Madhes – 7.5 per cent; Gandaki – 1.6 per cent; Karnali – 0.2 per cent; and Sudurpaschim – 1.6 per cent.
Loans in the service sector reached Rs 2,184 billion 40 million by the end of the fiscal year, representing 39.1 per cent of total credit from BFIs. Within the service sector, the wholesale and retail sub-sector received the highest share at 47.3 per cent, followed by real estate at 12.2 per cent; tourism at 11.8 per cent; finance, insurance and immovable property at 11.3 per cent; education at 6.6 per cent; transport, storage and communication at 3.7 per cent; other service sub-sectors at 3.7 per cent; and health and social services at 3.3 per cent.
Bagmati Province accounted for 59.5 per cent of service sector loans. Other provinces’ shares were: Lumbini – 10.3 per cent; Koshi – 10.1 per cent; Madhes – 9 per cent; Gandaki – 6.9 per cent; Karnali – 1.1 per cent; and Sudurpaschim – 3 per cent.
