Muktinath Bikas Bank Ltd.

About Muktinath Bikas Bank Limited

Overview

Established on 3 January 2007 (2053 Poush 19 B.S.), Muktinath Bikas Bank Limited (MBBL) is one of Nepal's leading Class "B" National Level Development Banks, licensed by Nepal Rastra Bank (NRB). Over the past 19+ years, the bank has evolved from a three-district development bank into a nationwide financial institution, delivering inclusive, technology-driven, and customer-centric banking services.

Today, Muktinath Bikas Bank serves more than 1.4 million customers through a network of 177 banking outlets across Nepal. Supported by over 1,500 employees, the bank manages a balance sheet exceeding NPR 136 billion and continues to expand access to modern banking, particularly in rural, underserved, and emerging economic regions.

Guided by its philosophy of "Focused on You: Bespoke Banking for All," the bank is committed to empowering individuals, entrepreneurs, micro, small and medium enterprises (MSMEs), and communities through innovative financial solutions and responsible banking.

Our Journey

Muktinath Bikas Bank began operations in 2007 as a Three-District Development Bank, serving Syangja, Kaski, and Tanahun in Gandaki Province. The institution was established through the vision of local entrepreneurs and community leaders led by Late Khagendra Raj Regmi, the founding Chairman, and Mr. Bharat Raj Dhakal, the founding Chief Executive Officer.

During its first year of operation, the bank started with:

• 13 Employees

• NPR 128 Million in Total Assets

• NPR 114 Million in Deposits

• NPR 93 Million in Loan Portfolio

As customer confidence grew, the bank expanded rapidly:

• 2012: Upgraded to a Ten-District Development Bank

• 2015: Received the license to operate as a National Level Development Bank

• 2016: Relocated its Corporate Office to Kathmandu

• 2018: Emerged as one of Nepal's leading development banks

• 2021: Became the first development bank in Nepal to surpass NPR 1 billion in annual profit

Throughout its journey, Muktinath Bikas Bank has prioritized financial inclusion by expanding into rural and previously unbanked areas while developing banking products tailored to local communities, farmers, entrepreneurs, and MSMEs.

Purpose

Empowering individuals and businesses financially to foster the prosperity of the people of Nepal.

Vision

To fulfill the complete banking needs of individuals and businesses through trusted, accessible, and innovative financial services.

Mission

For Individuals

To provide inclusive, personalized, and customer-focused banking services that help individuals achieve their financial goals and improve their quality of life.

For Businesses and Institutions

To deliver customized financial solutions, particularly for Micro, Small and Medium Enterprises (MSMEs), enabling sustainable business growth while contributing to Nepal's economic development.

Our Core Values

Everything Muktinath Bikas Bank does is guided by five core values:

• Sincerity for Customers — Building lasting relationships through trust, transparency, and exceptional service.

• Enthusiasm for Impact — Creating meaningful economic and social value for customers and communities.

• Respect for Compliance — Upholding the highest standards of ethics, governance, and regulatory compliance.

• Commitment to Wellbeing — Supporting the financial wellbeing of customers, employees, and society.

• Excellence for Effectiveness — Continuously improving services through innovation, professionalism, and operational excellence.

Our Philosophy

Muktinath Bikas Bank proudly embraces the guiding principle:

"जनता बैंकमा होइन, बैंक जनतामा जानु पर्दछ।"

("The bank should go to the people, not the people to the bank.")

This philosophy reflects the bank's long-standing commitment to expanding financial inclusion by bringing modern banking services closer to every community across Nepal.

Banking Services

Muktinath Bikas Bank offers a comprehensive portfolio of banking and financial solutions designed for individuals, businesses, entrepreneurs, and institutions.

Its key services include:

• Personal Banking

• Business Banking

• MSME Banking

• Microfinance Services

• Agricultural Financing

• Savings and Deposit Products

• Loan and Credit Facilities

• Digital Banking

• Mobile and Internet Banking

• Card Services

• Remittance Services

• Payment Solutions

• Investment and Financial Advisory Services

The bank continues to invest in digital transformation to provide secure, convenient, and customer-friendly banking experiences.

Our Growth Today

Muktinath Bikas Bank has become one of Nepal's fastest-growing development banks with a strong financial foundation.

Key Highlights

• 1.4 Million+ Customers

• 177 Banking Outlets

• 1,500+ Employees

• NPR 136+ Billion Balance Sheet

• 65,000+ Loan Accounts

• NPR 718+ Billion Loan Portfolio

These milestones demonstrate the bank's sustained growth, operational strength, and commitment to supporting Nepal's economic development.

Innovation and Expansion

Muktinath Bikas Bank continues to diversify its financial services beyond traditional banking.

Its long-term vision has led to:

• Establishment of Muktinath Capital Limited as a wholly owned subsidiary.

• Strategic investment in Muktinath Krishi Company, Nepal's first public agriculture company, as an associate company.

These initiatives strengthen the bank's ability to provide integrated financial and investment solutions while supporting agriculture, entrepreneurship, and sustainable economic growth.

Awards and Recognition

Muktinath Bikas Bank has received several prestigious national and international recognitions for excellence in banking, financial inclusion, and innovation.

Among its notable achievements is the European Microfinance Award 2020, reflecting the bank's strong commitment to inclusive finance and sustainable development.

These recognitions reinforce the bank's reputation as one of Nepal's most progressive and socially responsible financial institutions.

Commitment to Financial Inclusion and Sustainable Banking

Muktinath Bikas Bank remains committed to making quality financial services accessible to every citizen of Nepal. Through responsible banking, digital innovation, strong corporate governance, and customer-focused service, the bank continues to empower individuals, businesses, and communities while contributing to the country's long-term economic prosperity.

With a customer-first philosophy, nationwide presence, and unwavering commitment to excellence, Muktinath Bikas Bank continues to strengthen its position as one of Nepal's most trusted and forward-looking development banks.