When “Base Rate + Premium” Becomes a Black Box —and why new borrowers often get better deals than loyal ones Nepal’s transition to a Base Rate + Premium lending framework—under...

Nepal’s banking system has achieved remarkable growth over the past decade. As of Asoj 2082, total credit outstanding reached NPR 5.67 trillion, serving a population of 29.16 million through A,...

Over the past decade, Nepal has made remarkable strides in financial inclusion. While access has expanded, the focus is now shifting toward quality and choice. Key milestones (2015 → 2025):...

A few weeks ago, someone told me: “Once you sign the loan paper, you can’t question anything. The bank decides.” That belief is common. It’s also wrong. Many customers walk...

Financial inclusion in Nepal has grown quickly. Digital banking services are now more widely available than ever. But the usage data tells a different story. A large share of accounts...

Laws Exist, But Navigation Fails When the World Bank released its Business Ready 2025 assessment covering 101 economies, it quietly delivered a message Nepal needs to hear. Business climates do...

B-READY 2025 delivers a powerful signal. Nepal scores 72% in Financial Services — the highest among all assessed topics. This is not accidental. Nepal has built a modern financial architecture:...

1. Background The World Bank’s Business Ready (B-READY) framework assesses how effectively an economy enables private sector activity throughout the life cycle of a firm—from entry and operation to growth...

Beyond Loans: Empowering Entrepreneurs with Skills, Confidence, and Market Access IntroductionAt Udyamsheel, we work with hundreds of micro, small, and medium enterprises (MSMEs) across Nepal. Over time, we’ve realized that...