Global IME Leads Home Loan Market as Residential Lending Rises Across Commercial Banks

13th July 2026, Kathmandu

Commercial banking institutions operating across Nepal have registered a noteworthy expansion in their residential personal home loan portfolios.

Global IME Leads Home Loan Market

The cumulative growth was recorded by the conclusion of Jestha 2083 which corresponds to mid June 2026.

This financial development highlights a persistent and rising demand for housing finance solutions nationwide. The upward movement remains visible across the banking industry despite variations in individual credit distributions.

Analyzing the Largest Real Estate and Housing Loan Portfolios

Global IME Bank managed to secure its leading position as the premier housing loan provider in the country. The prominent financial institution commanded a massive residential personal credit portfolio valuation of Rs 47.16 billion.

The housing finance asset base of the bank achieved a notable increase of 16.35 percent. This annual comparison matches the performance recorded during the exact same period of the past fiscal year.

• NIC Asia Bank maintained its solid position as the second largest residential property lender in the market. The commercial institution managed a substantial total home loan balance reaching Rs 39.16 billion.

However, it stood out as one of the few financial establishments to experience a contraction in its housing segment. The real estate portfolio of the bank recorded an annual reduction of 18.02 percent.

• Rastriya Banijya Bank stood firmly in the third position within the national housing credit landscape. The state owned financial group supervised a home loan portfolio valued at Rs 34.96 billion.

The public sector lender displayed an impressive year on year expansion of 19.84 percent. This growth reflects aggressive retail credit disbursement strategies implemented by the public institution management.

• Nabil Bank successfully secured the fourth position among the elite property financing institutions in Nepal. The corporate banking giant oversaw an aggregate residential credit portfolio worth Rs 31.37 billion.

The private financial firm registered a healthy yearly growth of 14.20 percent. This advancement confirms the steady alignment of the bank with urban real estate demands.

• Everest Bank captured the fifth spot in terms of aggregate residential property financing volumes. The joint venture commercial lender held a personal housing credit asset base totaling Rs 26.52 billion.

The institution recorded an upward annual adjustment of 14.28 percent. This expansion highlights regular retail credit distribution patterns in competitive housing markets.

Exploring the Fastest Growing Residential Housing Loan Portfolios

Siddhartha Bank recorded the absolute highest annual growth rate in residential property financing across the domestic banking landscape. The commercial entity expanded its personal housing credit portfolio by an incredible 37.64 percent.

The aggressive expansion pushed the total residential credit volume of the bank to Rs 19.93 billion. This rapid credit deployment indicates structured internal shifts toward secure retail asset generation.

• NMB Bank demonstrated the second speediest expansion rate in the residential financing category during the review period. The financial institution boosted its housing finance portfolio by a substantial 34.51 percent.

This major growth brought the total home loan assets of the bank to Rs 24.00 billion. The strategic credit drive places the institution comfortably in the sixth rank among all commercial peers.

• Nepal SBI Bank achieved the third fastest growth rate in personal property lending across the commercial sector. The joint venture bank expanded its housing loan portfolio by 32.21 percent during the year.

Though its total credit volume remained relatively modest at Rs 3.24 billion, the growth indicates renewed institutional interest. The firm is actively seeking to capture a larger share of the local mortgage market.

• Sanima Bank recorded the fourth highest growth acceleration rate in residential property lending across the country. The commercial group increased its personal housing finance assets by 29.63 percent over the year.

The strong credit push elevated the total mortgage portfolio of the institution to Rs 13.60 billion. This strategic change positions the entity as a major competitor in the retail banking sector.

• Nepal Investment Mega Bank secured the fifth position among the fastest expanding residential credit portfolios. The consolidated financial institution grew its housing loan asset base by 21.29 percent annually.

The credit expansion brought the total mortgage assets of the combined entity to Rs 8.91 billion. This steady growth reflects post merger consolidation efforts focusing on diversified consumer loan portfolios.

Tracking Institutional Contractions in the Real Estate Loan Sector

Not every commercial bank experienced positive portfolio expansions during this particular financial review period. Three prominent commercial banking institutions across Nepal reported year on year drops in their residential home loan books.

• Apart from the contraction at NIC Asia Bank, the Agriculture Development Bank recorded a significant portfolio reduction. The rural credit specialist bank experienced a 16.24 percent drop in home loans.

This structural decline reduced the total residential loan book of the bank to Rs 9.07 billion. The contraction suggests an institutional shift toward agricultural core financing and tighter retail credit risk checks.

• Kumari Bank experienced a minor contraction in its residential home loan division during the review timeline. The commercial establishment recorded a year on year portfolio decrease of 5.85 percent.

This soft downward adjustment left the total housing loan portfolio of the bank at Rs 11.52 billion. The variation reveals ongoing asset reallocation strategies amid shifting macroeconomic indicators.

Comprehensive Review of Mid-Tier Bank Portfolios and Industry Trends

Laxmi Sunrise Bank secured the seventh rank in the national residential lending marketplace with stable results. The financial organization managed a total housing loan asset base of Rs 21.22 billion.

The bank achieved a regular year on year portfolio expansion of 16.26 percent. This steady performance reflects the successful merger integration of its retail banking divisions.

• Prabhu Bank secured the ninth spot in the national residential property lending line with positive indicators. The banking firm managed a total retail housing loan portfolio of Rs 14.42 billion.

The financial group recorded a modest annual growth of 7.15 percent. This controlled expansion demonstrates a cautious approach toward consumer real estate credit lines.

• Nepal Bank Limited occupied the eleventh position in the comprehensive commercial banking home loan rankings. The historic public sector institution oversaw a residential loan asset base of Rs 13.41 billion.

The bank posted a solid year on year credit portfolio increase of 18.14 percent. This upward trend shows active participation by public institutions in urban housing finance.

• Citizens Bank International held the twelfth rank in the general commercial housing finance structure. The financial group supervised a total personal home loan book worth Rs 11.87 billion.

The bank registered a moderate annual portfolio advancement of 6.66 percent. This rate points to sustainable consumer credit growth matching standard market demands.

• Prime Commercial Bank occupied the fourteenth position across the wider residential mortgage asset pool. The banking institution managed a total housing credit portfolio of Rs 10.14 billion.

The firm registered a steady year on year portfolio expansion of 16.77 percent. This increase aligns with the general industry average for mid sized corporate lenders.

• Standard Chartered Bank Nepal secured the fifteenth spot within the competitive housing finance market. The international joint venture bank oversaw a residential loan portfolio of Rs 9.79 billion.

The corporate banking specialist registered a firm annual growth of 15.43 percent. This stable increase indicates a selective focus on high net worth retail home buyers.

• Machhapuchchhre Bank placed nineteenth in the extensive residential property lending list with stable outcomes. The commercial bank managed a consumer housing loan portfolio of Rs 7.25 billion.

The entity achieved an annual portfolio expansion of 12.79 percent. This positive trend indicates regular retail asset building across major city branches.

• Himalayan Bank Limited occupied the twentieth spot in the comprehensive retail home loan registry. The established private lender supervised a personal housing finance portfolio of Rs 5.71 billion.

The financial house recorded an annual credit growth of 11.54 percent. This measured expansion shows a balanced approach toward consumer real estate exposure.

The latest financial statistics highlight the overall resilience of the housing finance sector in Nepal. Most commercial banking institutions are actively expanding residential lending activities to maintain strong credit growth.

Competition in the consumer home loan market remains high as banks offer attractive interest rates to pull buyers. The ongoing real estate activities continue to support broader economic recovery across different domestic business sectors.

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