NRB Credit Survey: Health Services and Private Education Sectors Attract Fresh Funding

Nepal Rastra Bank’s mid-August 2025 credit survey highlights a notable rise in lending toward health and private education sectors, signaling renewed confidence in service-based industries after years of pandemic-related stagnation. According to the report, loans to hospitals, clinics, and health services surged by Rs. 2.37 billion, while educational service loans remained strong at over Rs. 63 billion, reflecting ongoing expansion of private schools, colleges, and medical institutions across Nepal.

The health sector’s credit portfolio now exceeds Rs. 74 billion, driven by private investment in diagnostic centers, modern hospitals, and rural healthcare expansions. This steady growth is linked to increasing healthcare awareness, demand for quality medical services, and government support for private–public partnerships. Similarly, credit to the education sector, though slightly lower than the previous month, indicates sustained capital flow into infrastructure upgrades, new campuses, and digital learning facilities — a trend reinforced by the rising middle-class demand for better educational standards.

Analysts suggest that the financial sector’s continued interest in these areas reflects a structural shift from traditional manufacturing loans toward service-oriented investments that generate stable long-term returns. The surge in health-related credit also aligns with Nepal’s broader goal of achieving universal health access and improving provincial medical infrastructure.