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#LoanRestructuring #GenZMoveme
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By Sandeep Chaudhary

Banks Allowed to Restructure Loans Until Poush 2082

Banks Allowed to Restructure Loans Until Poush 2082

Nepal Rastra Bank (NRB) has granted banks and financial institutions the authority to restructure and reschedule loansfor borrowers directly affected by the Gen Z Movement and related economic disruptions. According to the directive, borrowers who have suffered operational or financial losses can submit requests to their respective banks, and restructuring must be completed by the end of Poush 2082.

Restructured loans will retain their classification as of Asar 2082, and banks must maintain loan loss provisioning accordingly. Borrowers are required to pay a minimum portion of outstanding interest, after which banks may extend restructuring support. Additionally, fresh loans to revive damaged businesses can be issued at base rate + 0.5% premium, ensuring credit affordability during recovery.

The NRB has also relaxed compliance measures. For instance, if new lending pushes the debt-to-equity ratio beyond the standard 80:20, it will not be downgraded for one year. Similarly, businesses replacing transport vehicles damaged during the movement will benefit from an 80% loan-to-value (LTV) ratio, compared to the regular 60%.

This measure is designed to safeguard jobs, stabilize affected businesses, and restore investor confidence. Employers seeking loans to cover staff salaries can also apply by Poush 2082, with such loans eligible for a 2% interest subsidy from the Government of Nepal for six months.

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