Nepal’s banking sector expanded credit by Rs. 359 billion during the first ten months of the current fiscal year, reflecting selective growth across key sectors of the economy.
According to data published by Nepal Rastra Bank, total outstanding loans across 13 major sectors reached Rs. 58.89 trillion by Baisakh of FY 2082/83, up from Rs. 55.27 trillion during the same period last year.
Construction Sector Records Strongest Growth
Among all sectors, construction registered the fastest expansion, growing by 12.8% over the review period.
Credit flow into construction:
- Previous Baisakh: Rs. 233 billion
- Previous Asar: Rs. 231 billion
- Current period: Rs. 261 billion
This represents an increase of approximately Rs. 29.62 billion in ten months.
Within construction, the heavy construction sub-sector showed particularly strong momentum, with lending increasing 19.7%, rising from Rs. 128 billion to Rs. 153 billion over one year.
Consumption Lending Continues to Expand
Consumer lending also recorded robust growth of 12.3%.
A major contributor was lending backed by gold and silver, which surged 41.7%:
- Previous level: Rs. 77.67 billion
- Current level: Over Rs. 100 billion
Total consumer loans now exceed Rs. 1.293 trillion, compared with Rs. 1.151 trillion in Asar, showing annual growth of around Rs. 141 billion.
Agriculture Emerges as the Weakest Segment
In contrast to most sectors, agriculture was the only major category to record contraction, declining 2.3%.
Agricultural lending:
- Previous Baisakh: Rs. 426 billion
- Previous Asar: Rs. 417 billion
- Current level: Rs. 408 billion
Within agriculture, lending to agricultural services dropped 5.6%, falling from Rs. 177 billion to Rs. 169 billion.
This decline suggests that credit expansion remains concentrated in urban consumption and infrastructure activities rather than production-oriented agriculture.
Industry and Manufacturing Show Moderate Improvement
Other sectors recorded moderate expansion:
- Mining sector: up 10%
- Productive industries: up 6.8%
- Productive sector lending increased from Rs. 884 billion to Rs. 944 billion
- Lending for metal products, machinery, and electronics tools rose 5.4%, crossing Rs. 77 billion
Wholesale and Retail Trade Growth Remains Weak
Despite being one of Nepal’s largest credit segments, wholesale and retail trade recorded the slowest growth, increasing by only 0.3%.
Investment in this sector:
- Previous Asar: Rs. 1.033 trillion
- Current level: Rs. 1.036 trillion
What the Trend Suggests
The latest credit data shows Nepal’s banking system continues to deploy liquidity, but growth remains concentrated in construction and consumption, while agriculture and productive sectors continue to lag.
This pattern indicates that although overall lending is rising, the shift toward stronger domestic production and export-oriented growth remains limited.
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