| PBV | 8.31 |
| Fiscal Year | 081/082 |
| Quarter | q1 |
| EPS | -3.95 |
| Book Value | RS. 97.5 |
| Paidup Capital | RS. 502830000 |
| Base Rate | 9.53% |
| CD Ratio | 59.81% |
| Spread Rate | 4.58% |
| NPL | 7.27% |
View more details stock info of KRBL
About Karnali Development Bank Limited
Overview
Karnali Development Bank Limited (KDBL) is the first development bank established in Nepal's Mid-Western and Far-Western regions. The bank was incorporated on Falgun 6, 2060 B.S. under the Bank and Financial Institutions Act, 2052 B.S., with the objective of expanding formal banking services to both rural and urban communities while supporting regional economic development.
Headquartered in Nepalgunj, Karnali Development Bank has played a pioneering role in increasing access to modern banking services across western Nepal. Since its establishment, the bank has remained committed to promoting financial inclusion, supporting entrepreneurship, mobilizing local resources, and contributing to sustainable economic growth through responsible banking practices.
Our Journey
Karnali Development Bank was founded to bridge the gap in financial services across Nepal's western region by providing accessible, reliable, and customer-focused banking solutions.
As one of the pioneering regional development banks, KDBL became the first regional development bank in its operating area to introduce ATM services, Mobile Banking, and Online Banking, helping accelerate digital banking adoption in the region.
Through continuous investment in technology, infrastructure, and customer service, the bank has expanded its operations while maintaining its commitment to innovation and community development.
Branch Network
The bank's Head Office is located in Nepalgunj and currently provides banking services through 19 branch offices, including:
Nepalgunj (Head Office)
Tulsipur
Ghorahi
Lamahi
Bhaluwang
Gadhwa
Kohalpur
Khajura
Baijapur
Gulariya
Sanoshree
Bansgadhi
Bhurigaun
Rajapur
Thakurdwara
Bijauri
Sisahaniya
Shamshergunj
Narayanpur
The bank also operates:
5 ATMs
Mobile Banking Services
Digital Banking Channels
KDBL continues to expand its branch network to improve financial accessibility and serve more communities across its operating region.
Modern Banking Services
Karnali Development Bank provides a comprehensive range of modern banking products and services designed to meet the evolving financial needs of individuals, businesses, and institutions.
Its services include:
Savings and Deposit Products
Loan and Credit Facilities
Online Banking
Any Branch Banking System (ABBS)
Mobile Banking
ATM Services
Remittance Services
Electronic Cheque Clearing (ECC)
Interbank Payment System (IPS)
Connect IPS
Real-Time Gross Settlement (RTGS)
QR Payment Services
Other Digital Banking Solutions
The bank continuously enhances its digital banking capabilities to provide secure, convenient, and technology-driven financial services.
Mission
Karnali Development Bank Limited is committed to promoting sustainable economic development by supporting productive sectors and expanding access to financial services.
Its mission includes:
Supporting the establishment, expansion, and productivity of agriculture, industry, trade, manufacturing, and service sectors.
Creating employment opportunities through responsible financing.
Mobilizing local human resources and financial capital for regional development.
Improving the economic well-being of both rural and urban communities.
Promoting entrepreneurship and business growth through financial support and advisory services.
Objectives
Karnali Development Bank operates with the objective of contributing to Nepal's socio-economic development while maintaining the highest standards of corporate governance and regulatory compliance.
Its primary objectives include:
Protecting the interests of depositors and shareholders through safe, reliable, and high-quality banking services.
Mobilizing domestic and external financial resources to support agriculture, industry, trade, services, and other productive sectors.
Encouraging employment generation by financing businesses and providing financial, technical, managerial, and advisory support.
Promoting entrepreneurship, local investment, and poverty reduction through responsible banking.
Mobilizing scattered financial resources into productive investments that contribute to national economic development.
Encouraging healthy competition and strengthening Nepal's financial sector through efficient financial intermediation.
Capital Structure
Karnali Development Bank maintains a strong capital base to support sustainable business growth and long-term financial stability.
|
Capital Type |
Amount (NPR) |
|---|---|
|
Authorized Capital |
NPR 600 Million |
|
Issued Capital |
NPR 502.83 Million |
|
Paid-up Capital |
NPR 502.83 Million |
Commitment to Customers
Customer satisfaction remains the core priority of Karnali Development Bank. The bank is dedicated to delivering innovative banking products, efficient financial services, and personalized customer support while embracing modern technology and digital transformation.
By combining professional service, responsible banking practices, and continuous innovation, the bank strives to build long-term relationships based on trust, transparency, and reliability.
Commitment to Sustainable Development
Karnali Development Bank Limited continues to play an important role in strengthening regional economic development by expanding financial inclusion, supporting productive sectors, promoting entrepreneurship, and encouraging sustainable investment.
With a strong regional presence, modern banking infrastructure, and a customer-first philosophy, Karnali Development Bank remains committed to empowering individuals, businesses, and communities while contributing to Nepal's long-term economic prosperity.