| PBV | 10.08 |
| Fiscal Year | 082/083 |
| Quarter | q3 |
| EPS | 7.07 |
| Book Value | RS. 72.9 |
| Paidup Capital | RS. 834338432 |
| Base Rate | 6.31% |
| CD Ratio | 71.87% |
| Spread Rate | 3.99% |
| NPL | 7.6% |
View more details stock info of SAPDBL
About Saptakoshi Development Bank Limited
Overview
Saptakoshi Development Bank Limited (SDBL) is a Class "B" Regional Development Bank licensed by Nepal Rastra Bank (NRB) under the Banks and Financial Institutions Act, 2063 (BAFIA). The bank is committed to delivering reliable, technology-driven, and customer-focused banking services while supporting regional economic development and financial inclusion.
The bank operates within the districts of Morang, Ilam, Panchthar, Jhapa, Sunsari, Dhankuta, and Terhathum, serving individuals, businesses, entrepreneurs, and local communities with a wide range of modern banking and financial services.
Its Head Office is located in Dhankuta-7, Dhankuta, while the Corporate Office is situated at Main Road, Biratnagar-7, Morang, enabling the bank to effectively serve customers across its operating region.
Our Foundation
Saptakoshi Development Bank is promoted by a group of accomplished professionals and entrepreneurs with extensive experience in banking, business, trade, and community development.
Its promoters include:
Experienced Businesspersons
Traders
Banking Professionals
Social Workers
Entrepreneurs
Their collective expertise and commitment have established a strong institutional foundation built on professionalism, responsible banking, and long-term sustainable growth.
Our Mission
Saptakoshi Development Bank is committed to providing reliable, trustworthy, efficient, and high-quality banking services to individuals, businesses, entrepreneurs, and institutions.
The bank strives to support Nepal's economic development by promoting healthy competition in the banking sector, mobilizing financial resources, and expanding access to modern financial services under the country's free-market economic framework.
Customer-Centric Banking
Customers are at the heart of everything Saptakoshi Development Bank does. The bank continuously develops customer-focused products and services designed to meet the evolving financial needs of individuals, businesses, and communities.
Guided by its slogan:
"Our Community, Our Bank"
the bank remains dedicated to building long-term relationships based on trust, transparency, personalized service, and mutual growth.
Its customer-first approach focuses on:
Reliable banking services
Convenient and efficient service delivery
Competitive financial products
Long-term customer relationships
Sustainable community development
Modern Banking Services
Saptakoshi Development Bank combines professional expertise with modern banking technology to provide secure, convenient, and efficient financial services.
The bank offers a diversified portfolio of banking solutions, including:
Personal Banking
Business Banking
Savings and Deposit Products
Loan and Credit Facilities
Modern Digital Banking Services
Limited Banking Services
Microfinance Services
Payment and Remittance Services
Other Customer-Centric Financial Solutions
By embracing technological innovation, the bank continues to improve customer convenience while maintaining high standards of security and service quality.
Corporate Governance
Saptakoshi Development Bank strongly believes that sustainable banking is built upon transparency, accountability, and sound governance.
The bank is committed to:
Strong corporate governance practices
Ethical and responsible banking
Regulatory compliance with Nepal Rastra Bank
Professional risk management
Operational transparency
Prudent banking culture
These principles guide every aspect of the bank's operations and strengthen the confidence of customers, shareholders, employees, regulators, and the wider community.
Our Commitment
Saptakoshi Development Bank remains dedicated to supporting the financial aspirations of individuals, entrepreneurs, and businesses by delivering accessible, innovative, and dependable banking services.
Through customer-focused innovation, responsible banking practices, modern technology, and community engagement, the bank continues to create long-term value for all stakeholders while contributing to the sustainable economic development of eastern Nepal.
With its strong regional presence, experienced leadership, and unwavering commitment to excellence, Saptakoshi Development Bank Limited continues to grow as a trusted financial partner for communities across its operating region.
