Global Banking Practices3 min readGlobal Banking Practices Shape Nepal’s Regulatory DirectionGlobal Banking Practices Shape Nepal’s Regulatory Direction Kathmandu: The evolution of Nepal’s banking sector has increasingly been influenced by global banking practices, international research, and lessons learned from past financial crises. As financial systems across the world become more interconnected, Nepal’s regulators have aligned domestic policies with internationally accepted frameworks to strengthen stability, resilience, and supervisory effectiveness. Globally, banking regulation is guided by principles developed through decades of crisis experience and policy experimentation. Institutions such as the Basel Committee on Banking Supervision have played a central role in setting international benchmarks for capital adequacy, risk management, payment systems, and supervisory standards. These frameworks aim to ensure that banks remain solvent and resilient even during periods of economic stress.Dipesh Ghimire·14 Jan, 2026
Top3 min readNepal’s Banking Sector: From State-Led Foundations to Consolidated GrowthNepal’s Banking Sector: From State-Led Foundations to Consolidated Growth Kathmandu: Nepal’s formal banking sector has undergone a long and gradual transformation, evolving from a state-dominated system into a more diversified and consolidated financial industry. This evolution reflects changing economic priorities, regulatory reforms, and the country’s broader shift toward liberalization and financial stability. Nepal’s banking journey formally began in 1937 with the establishment of Nepal Bank Limited, marking the country’s first structured financial institution. The foundation of Nepal Rastra Bank in 1956 further strengthened the system by introducing a central regulatory authority. In the following years, institutions such as the Agricultural Development Bank, Nepal Industrial Development Corporation, and Rastriya Banijya Bank were established to support priority sectors of the economy.Dipesh Ghimire·14 Jan, 2026
Global Banking Practices3 min readGlobal Banking Practices Shape Nepal’s Regulatory DirectionGlobal Banking Practices Shape Nepal’s Regulatory Direction Kathmandu: The evolution of Nepal’s banking sector has increasingly been influenced by global banking practices, international research, and lessons learned from past financial crises. As financial systems across the world become more interconnected, Nepal’s regulators have aligned domestic policies with internationally accepted frameworks to strengthen stability, resilience, and supervisory effectiveness. Globally, banking regulation is guided by principles developed through decades of crisis experience and policy experimentation. Institutions such as the Basel Committee on Banking Supervision have played a central role in setting international benchmarks for capital adequacy, risk management, payment systems, and supervisory standards. These frameworks aim to ensure that banks remain solvent and resilient even during periods of economic stress.Dipesh Ghimire·14 Jan, 2026
Top3 min readNepal’s Banking Sector: From State-Led Foundations to Consolidated GrowthNepal’s Banking Sector: From State-Led Foundations to Consolidated Growth Kathmandu: Nepal’s formal banking sector has undergone a long and gradual transformation, evolving from a state-dominated system into a more diversified and consolidated financial industry. This evolution reflects changing economic priorities, regulatory reforms, and the country’s broader shift toward liberalization and financial stability. Nepal’s banking journey formally began in 1937 with the establishment of Nepal Bank Limited, marking the country’s first structured financial institution. The foundation of Nepal Rastra Bank in 1956 further strengthened the system by introducing a central regulatory authority. In the following years, institutions such as the Agricultural Development Bank, Nepal Industrial Development Corporation, and Rastriya Banijya Bank were established to support priority sectors of the economy.Dipesh Ghimire·14 Jan, 2026
Agricultural4 min readFarmer-Friendly Policies Essential for Agricultural TransformationFarmer-Friendly Policies Essential for Agricultural Transformation Kathmandu: Despite agriculture remaining one of Nepal’s most important economic pillars, the sector continues to struggle due to policy gaps, weak implementation, and declining farmer confidence. While the government has introduced mandatory insurance schemes and subsidy programs to promote commercial farming, the benefits have yet to reach farmers in a meaningful and sustainable way. Agriculture, which includes farming, livestock, forestry, and herbal production, contributes nearly one-quarter of Nepal’s gross domestic product. However, this contribution is under growing pressure as cultivable land shrinks and agricultural productivity declines. Recent data show that while the number of households dependent on agriculture has increased, the total area under cultivation has decreased significantly over the past decade.Dipesh Ghimire·14 Jan, 2026
Climate Change4 min readClimate Change Intensifies Risks for Nepal’s MountaineersClimate Change Intensifies Risks for Nepal’s Mountaineers Kathmandu: Nepal’s mountain tourism, long regarded as a pillar of the country’s adventure tourism and international identity, is facing growing challenges as climate change begins to directly affect mountaineers, trekking routes, and overall safety in the high Himalayas. While mountaineering continues to attract global attention, structural weaknesses and environmental shifts are putting increasing pressure on the sector. Mountaineering has shaped Nepal’s tourism profile ever since humans first set foot on Mount Everest. Over time, the activity evolved from an elite expedition-based pursuit into a structured industry that supports guides, porters, operators, and local communities. Today, it remains one of the most attractive segments of Nepal’s tourism economy, drawing climbers seeking both adventure and global recognition.Dipesh Ghimire·14 Jan, 2026
Insurance Sector3 min readGovernment Actions Deepen Public Distrust in Insurance SectorGovernment Actions Deepen Public Distrust in Insurance Sector Kathmandu: Public confidence in Nepal’s insurance sector is weakening, not solely because of insurers’ shortcomings, but increasingly due to the government’s own actions and inactions. Delayed claim settlements, unfulfilled subsidy commitments, and policy inconsistency have collectively created an environment of distrust that continues to widen between insurers and policyholders. For most policyholders, insurance is purchased with a simple expectation: life insurance should return meaningful financial value over time, while non-life insurance should fully compensate for losses when damage occurs. These expectations are neither unreasonable nor excessive, as they align with the fundamental principles of insurance itself. However, repeated gaps between expectation and actual payouts have fueled dissatisfaction among the insured.Dipesh Ghimire·14 Jan, 2026
Top2 min readCommercial Banks Lower Deposit Interest Rates in Magh as Excess Liquidity PersistsDipesh Ghimire https://www.facebook.com/dipeshakanchho/ Commercial Banks Lower Deposit Interest Rates in Magh as Excess Liquidity Persists Kathmandu: Commercial banks in Nepal have further reduced deposit interest rates for the month of Magh, reflecting sustained excess liquidity and weak credit demand in the banking system. A comparison of interest rates for Magh and Poush shows a broad downward adjustment across the sector, with only one bank increasing its rate, while the majority either reduced or maintained their previous levels.Dipesh Ghimire·14 Jan, 2026
Top4 min readRoad Expansion in Nepal: Rising Expectations, Persistent BarriersRoad Expansion in Nepal: Rising Expectations, Persistent Barriers Nepal’s road transport system is broadly divided into two categories: the central road network and the local road network. The central road system has been managed by the Department of Roads under the Ministry of Physical Infrastructure and Transport since the 1960s, while local roads have been overseen by the Department of Local Infrastructure (DoLIDAR), and later by provincial and local governments. With the adoption of federalism, road responsibilities have been further divided among federal, provincial, and local levels, reshaping the country’s overall transport governance. Under the current federal structure, national highways fall under the jurisdiction of the federal government. A total of 80 highways have been designated as national highways, with a combined length of about 14,913 kilometers. Provincial and local governments together manage nearly 90,000 kilometers of roads. Taken together, Nepal’s total road network now extends close to 100,000 kilometers, reflecting a significant expansion in physical connectivity across the country.Dipesh Ghimire·13 Jan, 2026
Top5 min readPolitical Consensus Vital for Economic Revival: Challenges and Solutions for NepalPolitical Consensus Vital for Economic Revival: Challenges and Solutions for Nepal Nepal’s economy has faced numerous setbacks in recent years, including the devastating 2015 earthquake, the direct and indirect impacts of COVID-19 from 2019 to 2022, and the annual natural disasters that cause significant damage to both lives and property. Additionally, increasing dependence on imported food and the impact of climate change on productivity have severely affected the country's economic stability. To revive the economy, strong political will and commitment from the leadership are crucial.Dipesh Ghimire·13 Jan, 2026
Top4 min readHydropower: The Backbone of Nepal's Economic GrowthHydropower: The Backbone of Nepal's Economic Growth Nepal’s national electricity transmission system has achieved significant milestones, with a total connected capacity of 3,500 megawatts and over 7,000 circuit kilometers of transmission lines across the country. Approximately 200 substations and 208,000 circuit kilometers of distribution lines have been established. As a result, 99% of the population now has access to electricity. The Nepal Electricity Authority (NEA) has signed agreements to purchase over 10,300 megawatts of electricity from various projects. Currently, projects with a total capacity of 7,000 megawatts are under construction, and the country is projected to reach a total installed capacity of 10,000 megawatts within the next five years. Additionally, a process is underway to procure 960 megawatts from solar projects. Once power purchase agreements (PPAs) are finalized, another 11,000 to 12,000 megawatts of capacity will soon enter the construction phase.Dipesh Ghimire·13 Jan, 2026
Top4 min readGovernment Must Invest Public Funds in Infrastructure DevelopmentGovernment Must Invest Public Funds in Infrastructure Development Infrastructure, generally defined, refers to the essential physical and organizational structures needed for the operation of society, industry, and commerce. It includes critical services and systems such as transportation, communication, drinking water, irrigation, healthcare, tourism, energy, and both personal and business buildings. These infrastructures significantly contribute to the country’s economic activities, improving the living standards of the people. According to Nepal Rastra Bank, the infrastructure sector is broadly categorized into 14 areas, including energy, industry, agriculture, trade promotion, transportation, health, education, and urban development.Dipesh Ghimire·13 Jan, 2026
Global Banking Practices3 min readGlobal Banking Practices Shape Nepal’s Regulatory DirectionGlobal Banking Practices Shape Nepal’s Regulatory Direction Kathmandu: The evolution of Nepal’s banking sector has increasingly been influenced by global banking practices, international research, and lessons learned from past financial crises. As financial systems across the world become more interconnected, Nepal’s regulators have aligned domestic policies with internationally accepted frameworks to strengthen stability, resilience, and supervisory effectiveness. Globally, banking regulation is guided by principles developed through decades of crisis experience and policy experimentation. Institutions such as the Basel Committee on Banking Supervision have played a central role in setting international benchmarks for capital adequacy, risk management, payment systems, and supervisory standards. These frameworks aim to ensure that banks remain solvent and resilient even during periods of economic stress.Dipesh Ghimire·14 Jan, 2026
Top3 min readNepal’s Banking Sector: From State-Led Foundations to Consolidated GrowthNepal’s Banking Sector: From State-Led Foundations to Consolidated Growth Kathmandu: Nepal’s formal banking sector has undergone a long and gradual transformation, evolving from a state-dominated system into a more diversified and consolidated financial industry. This evolution reflects changing economic priorities, regulatory reforms, and the country’s broader shift toward liberalization and financial stability. Nepal’s banking journey formally began in 1937 with the establishment of Nepal Bank Limited, marking the country’s first structured financial institution. The foundation of Nepal Rastra Bank in 1956 further strengthened the system by introducing a central regulatory authority. In the following years, institutions such as the Agricultural Development Bank, Nepal Industrial Development Corporation, and Rastriya Banijya Bank were established to support priority sectors of the economy.Dipesh Ghimire·14 Jan, 2026
Agricultural4 min readFarmer-Friendly Policies Essential for Agricultural TransformationFarmer-Friendly Policies Essential for Agricultural Transformation Kathmandu: Despite agriculture remaining one of Nepal’s most important economic pillars, the sector continues to struggle due to policy gaps, weak implementation, and declining farmer confidence. While the government has introduced mandatory insurance schemes and subsidy programs to promote commercial farming, the benefits have yet to reach farmers in a meaningful and sustainable way. Agriculture, which includes farming, livestock, forestry, and herbal production, contributes nearly one-quarter of Nepal’s gross domestic product. However, this contribution is under growing pressure as cultivable land shrinks and agricultural productivity declines. Recent data show that while the number of households dependent on agriculture has increased, the total area under cultivation has decreased significantly over the past decade.Dipesh Ghimire·14 Jan, 2026
Climate Change4 min readClimate Change Intensifies Risks for Nepal’s MountaineersClimate Change Intensifies Risks for Nepal’s Mountaineers Kathmandu: Nepal’s mountain tourism, long regarded as a pillar of the country’s adventure tourism and international identity, is facing growing challenges as climate change begins to directly affect mountaineers, trekking routes, and overall safety in the high Himalayas. While mountaineering continues to attract global attention, structural weaknesses and environmental shifts are putting increasing pressure on the sector. Mountaineering has shaped Nepal’s tourism profile ever since humans first set foot on Mount Everest. Over time, the activity evolved from an elite expedition-based pursuit into a structured industry that supports guides, porters, operators, and local communities. Today, it remains one of the most attractive segments of Nepal’s tourism economy, drawing climbers seeking both adventure and global recognition.Dipesh Ghimire·14 Jan, 2026
Insurance Sector3 min readGovernment Actions Deepen Public Distrust in Insurance SectorGovernment Actions Deepen Public Distrust in Insurance Sector Kathmandu: Public confidence in Nepal’s insurance sector is weakening, not solely because of insurers’ shortcomings, but increasingly due to the government’s own actions and inactions. Delayed claim settlements, unfulfilled subsidy commitments, and policy inconsistency have collectively created an environment of distrust that continues to widen between insurers and policyholders. For most policyholders, insurance is purchased with a simple expectation: life insurance should return meaningful financial value over time, while non-life insurance should fully compensate for losses when damage occurs. These expectations are neither unreasonable nor excessive, as they align with the fundamental principles of insurance itself. However, repeated gaps between expectation and actual payouts have fueled dissatisfaction among the insured.Dipesh Ghimire·14 Jan, 2026
Top2 min readCommercial Banks Lower Deposit Interest Rates in Magh as Excess Liquidity PersistsDipesh Ghimire https://www.facebook.com/dipeshakanchho/ Commercial Banks Lower Deposit Interest Rates in Magh as Excess Liquidity Persists Kathmandu: Commercial banks in Nepal have further reduced deposit interest rates for the month of Magh, reflecting sustained excess liquidity and weak credit demand in the banking system. A comparison of interest rates for Magh and Poush shows a broad downward adjustment across the sector, with only one bank increasing its rate, while the majority either reduced or maintained their previous levels.Dipesh Ghimire·14 Jan, 2026
Top4 min readRoad Expansion in Nepal: Rising Expectations, Persistent BarriersRoad Expansion in Nepal: Rising Expectations, Persistent Barriers Nepal’s road transport system is broadly divided into two categories: the central road network and the local road network. The central road system has been managed by the Department of Roads under the Ministry of Physical Infrastructure and Transport since the 1960s, while local roads have been overseen by the Department of Local Infrastructure (DoLIDAR), and later by provincial and local governments. With the adoption of federalism, road responsibilities have been further divided among federal, provincial, and local levels, reshaping the country’s overall transport governance. Under the current federal structure, national highways fall under the jurisdiction of the federal government. A total of 80 highways have been designated as national highways, with a combined length of about 14,913 kilometers. Provincial and local governments together manage nearly 90,000 kilometers of roads. Taken together, Nepal’s total road network now extends close to 100,000 kilometers, reflecting a significant expansion in physical connectivity across the country.Dipesh Ghimire·13 Jan, 2026
Top5 min readPolitical Consensus Vital for Economic Revival: Challenges and Solutions for NepalPolitical Consensus Vital for Economic Revival: Challenges and Solutions for Nepal Nepal’s economy has faced numerous setbacks in recent years, including the devastating 2015 earthquake, the direct and indirect impacts of COVID-19 from 2019 to 2022, and the annual natural disasters that cause significant damage to both lives and property. Additionally, increasing dependence on imported food and the impact of climate change on productivity have severely affected the country's economic stability. To revive the economy, strong political will and commitment from the leadership are crucial.Dipesh Ghimire·13 Jan, 2026
Top4 min readHydropower: The Backbone of Nepal's Economic GrowthHydropower: The Backbone of Nepal's Economic Growth Nepal’s national electricity transmission system has achieved significant milestones, with a total connected capacity of 3,500 megawatts and over 7,000 circuit kilometers of transmission lines across the country. Approximately 200 substations and 208,000 circuit kilometers of distribution lines have been established. As a result, 99% of the population now has access to electricity. The Nepal Electricity Authority (NEA) has signed agreements to purchase over 10,300 megawatts of electricity from various projects. Currently, projects with a total capacity of 7,000 megawatts are under construction, and the country is projected to reach a total installed capacity of 10,000 megawatts within the next five years. Additionally, a process is underway to procure 960 megawatts from solar projects. Once power purchase agreements (PPAs) are finalized, another 11,000 to 12,000 megawatts of capacity will soon enter the construction phase.Dipesh Ghimire·13 Jan, 2026
Top4 min readGovernment Must Invest Public Funds in Infrastructure DevelopmentGovernment Must Invest Public Funds in Infrastructure Development Infrastructure, generally defined, refers to the essential physical and organizational structures needed for the operation of society, industry, and commerce. It includes critical services and systems such as transportation, communication, drinking water, irrigation, healthcare, tourism, energy, and both personal and business buildings. These infrastructures significantly contribute to the country’s economic activities, improving the living standards of the people. According to Nepal Rastra Bank, the infrastructure sector is broadly categorized into 14 areas, including energy, industry, agriculture, trade promotion, transportation, health, education, and urban development.Dipesh Ghimire·13 Jan, 2026
Dipesh Ghimire·14 Jan, 2026Global Banking Practices Shape Nepal’s Regulatory DirectionGlobal Banking Practices Shape Nepal’s Regulatory Direction Kathmandu: The evolution of Nepal’s banking sector has increasingly been influenced by global banking practices, international research, and lessons learned from past financial crises. As financial systems across the world become more interconnected, Nepal’s regulators have aligned domestic policies with internationally accepted frameworks to strengthen stability, resilience, and supervisory effectiveness. Globally, banking regulation is guided by principles developed through decades of crisis experience and policy experimentation. Institutions such as the Basel Committee on Banking Supervision have played a central role in setting international benchmarks for capital adequacy, risk management, payment systems, and supervisory standards. These frameworks aim to ensure that banks remain solvent and resilient even during periods of economic stress.Global Banking Practices3 min read
Dipesh Ghimire·14 Jan, 2026Nepal’s Banking Sector: From State-Led Foundations to Consolidated GrowthNepal’s Banking Sector: From State-Led Foundations to Consolidated Growth Kathmandu: Nepal’s formal banking sector has undergone a long and gradual transformation, evolving from a state-dominated system into a more diversified and consolidated financial industry. This evolution reflects changing economic priorities, regulatory reforms, and the country’s broader shift toward liberalization and financial stability. Nepal’s banking journey formally began in 1937 with the establishment of Nepal Bank Limited, marking the country’s first structured financial institution. The foundation of Nepal Rastra Bank in 1956 further strengthened the system by introducing a central regulatory authority. In the following years, institutions such as the Agricultural Development Bank, Nepal Industrial Development Corporation, and Rastriya Banijya Bank were established to support priority sectors of the economy.Top3 min read
Dipesh Ghimire·14 Jan, 2026Farmer-Friendly Policies Essential for Agricultural TransformationFarmer-Friendly Policies Essential for Agricultural Transformation Kathmandu: Despite agriculture remaining one of Nepal’s most important economic pillars, the sector continues to struggle due to policy gaps, weak implementation, and declining farmer confidence. While the government has introduced mandatory insurance schemes and subsidy programs to promote commercial farming, the benefits have yet to reach farmers in a meaningful and sustainable way. Agriculture, which includes farming, livestock, forestry, and herbal production, contributes nearly one-quarter of Nepal’s gross domestic product. However, this contribution is under growing pressure as cultivable land shrinks and agricultural productivity declines. Recent data show that while the number of households dependent on agriculture has increased, the total area under cultivation has decreased significantly over the past decade.Agricultural4 min read
Dipesh Ghimire·14 Jan, 2026Climate Change Intensifies Risks for Nepal’s MountaineersClimate Change Intensifies Risks for Nepal’s Mountaineers Kathmandu: Nepal’s mountain tourism, long regarded as a pillar of the country’s adventure tourism and international identity, is facing growing challenges as climate change begins to directly affect mountaineers, trekking routes, and overall safety in the high Himalayas. While mountaineering continues to attract global attention, structural weaknesses and environmental shifts are putting increasing pressure on the sector. Mountaineering has shaped Nepal’s tourism profile ever since humans first set foot on Mount Everest. Over time, the activity evolved from an elite expedition-based pursuit into a structured industry that supports guides, porters, operators, and local communities. Today, it remains one of the most attractive segments of Nepal’s tourism economy, drawing climbers seeking both adventure and global recognition.Climate Change4 min read
Dipesh Ghimire·14 Jan, 2026Government Actions Deepen Public Distrust in Insurance SectorGovernment Actions Deepen Public Distrust in Insurance Sector Kathmandu: Public confidence in Nepal’s insurance sector is weakening, not solely because of insurers’ shortcomings, but increasingly due to the government’s own actions and inactions. Delayed claim settlements, unfulfilled subsidy commitments, and policy inconsistency have collectively created an environment of distrust that continues to widen between insurers and policyholders. For most policyholders, insurance is purchased with a simple expectation: life insurance should return meaningful financial value over time, while non-life insurance should fully compensate for losses when damage occurs. These expectations are neither unreasonable nor excessive, as they align with the fundamental principles of insurance itself. However, repeated gaps between expectation and actual payouts have fueled dissatisfaction among the insured. Insurance Sector3 min read
Dipesh Ghimire·14 Jan, 2026Commercial Banks Lower Deposit Interest Rates in Magh as Excess Liquidity PersistsDipesh Ghimire https://www.facebook.com/dipeshakanchho/ Commercial Banks Lower Deposit Interest Rates in Magh as Excess Liquidity Persists Kathmandu: Commercial banks in Nepal have further reduced deposit interest rates for the month of Magh, reflecting sustained excess liquidity and weak credit demand in the banking system. A comparison of interest rates for Magh and Poush shows a broad downward adjustment across the sector, with only one bank increasing its rate, while the majority either reduced or maintained their previous levels.Top2 min read
Dipesh Ghimire·13 Jan, 2026Road Expansion in Nepal: Rising Expectations, Persistent BarriersRoad Expansion in Nepal: Rising Expectations, Persistent Barriers Nepal’s road transport system is broadly divided into two categories: the central road network and the local road network. The central road system has been managed by the Department of Roads under the Ministry of Physical Infrastructure and Transport since the 1960s, while local roads have been overseen by the Department of Local Infrastructure (DoLIDAR), and later by provincial and local governments. With the adoption of federalism, road responsibilities have been further divided among federal, provincial, and local levels, reshaping the country’s overall transport governance. Under the current federal structure, national highways fall under the jurisdiction of the federal government. A total of 80 highways have been designated as national highways, with a combined length of about 14,913 kilometers. Provincial and local governments together manage nearly 90,000 kilometers of roads. Taken together, Nepal’s total road network now extends close to 100,000 kilometers, reflecting a significant expansion in physical connectivity across the country.Top4 min read
Dipesh Ghimire·13 Jan, 2026Political Consensus Vital for Economic Revival: Challenges and Solutions for NepalPolitical Consensus Vital for Economic Revival: Challenges and Solutions for Nepal Nepal’s economy has faced numerous setbacks in recent years, including the devastating 2015 earthquake, the direct and indirect impacts of COVID-19 from 2019 to 2022, and the annual natural disasters that cause significant damage to both lives and property. Additionally, increasing dependence on imported food and the impact of climate change on productivity have severely affected the country's economic stability. To revive the economy, strong political will and commitment from the leadership are crucial.Top5 min read
Dipesh Ghimire·13 Jan, 2026Hydropower: The Backbone of Nepal's Economic GrowthHydropower: The Backbone of Nepal's Economic Growth Nepal’s national electricity transmission system has achieved significant milestones, with a total connected capacity of 3,500 megawatts and over 7,000 circuit kilometers of transmission lines across the country. Approximately 200 substations and 208,000 circuit kilometers of distribution lines have been established. As a result, 99% of the population now has access to electricity. The Nepal Electricity Authority (NEA) has signed agreements to purchase over 10,300 megawatts of electricity from various projects. Currently, projects with a total capacity of 7,000 megawatts are under construction, and the country is projected to reach a total installed capacity of 10,000 megawatts within the next five years. Additionally, a process is underway to procure 960 megawatts from solar projects. Once power purchase agreements (PPAs) are finalized, another 11,000 to 12,000 megawatts of capacity will soon enter the construction phase.Top4 min read
Dipesh Ghimire·13 Jan, 2026Government Must Invest Public Funds in Infrastructure DevelopmentGovernment Must Invest Public Funds in Infrastructure Development Infrastructure, generally defined, refers to the essential physical and organizational structures needed for the operation of society, industry, and commerce. It includes critical services and systems such as transportation, communication, drinking water, irrigation, healthcare, tourism, energy, and both personal and business buildings. These infrastructures significantly contribute to the country’s economic activities, improving the living standards of the people. According to Nepal Rastra Bank, the infrastructure sector is broadly categorized into 14 areas, including energy, industry, agriculture, trade promotion, transportation, health, education, and urban development.Top4 min read