16th October 2025, Kathmandu
In a landmark move that is set to redefine customer convenience and significantly boost financial inclusion across the nation, Kamana Sewa Bikas Bank Limited has unveiled Nepal’s first-ever Doorstep Banking Service (DSBS).
KSBBL’s Doorstep Banking Service
Approved by the Nepal Rastra Bank, this innovative offering is not merely a convenience feature; it represents a strategic pivot toward a more accessible and people-centric financial system in a developing economy where geographic and infrastructural barriers often hinder access to formal banking. Launched on October 15, 2025, the DSBS is a shining example of how technology and innovation, guided by a focus on customer satisfaction, can drive progress. The service allows customers to manage their finances from the comfort of their home or office, signaling a dramatic shift from traditional, branch-dependent banking.
The Core of Convenience: Services and Seamless Technology
The essence of the Doorstep Banking Service lies in its unparalleled convenience. For busy professionals, office employees, homemakers, and especially senior citizens and differently-abled individuals, the elimination of long queues, tiresome paperwork, and travel expenses is a profound benefit. These groups, often marginalized by the requirement of physical presence, are now brought directly into the formal banking fold.
Kamana Sewa is offering a comprehensive suite of services directly to the customer’s preferred location, all free of charge under its Special Savings Account. Key services include:
- Cash Management: Both cash deposits and withdrawals can be completed securely at the customer’s location. Kamana Sewa has placed a high priority on security, utilizing strict procedures, including OTP verification and secure cash handling, which builds customer trust in digital-assisted physical transactions.
- Document Collection & Delivery: Services like cheque book requests, delivery of account statements, and balance certificates streamline administrative tasks.
- Account Servicing: Assistance with account opening for family members and in-person Know Your Customer (KYC) verification is also provided, demonstrating a holistic approach to customer engagement.
The entire process is anchored in digital enablement. Customers initiate a service request via the bank’s mobile banking app, which acts as the digital bridge connecting the customer to the bank representative (rider). This integration of physical service with the bank’s existing digital platform, as noted by Chief Marketing Officer Dipendra Subedi, ensures a simple, faster, and more technology-driven experience. The free provision of other digital tools like a debit card and mobile banking facilities further encourages the seamless adoption of the DSBS ecosystem.
A Catalyst for Financial Inclusion in Nepal
Nepal’s journey toward complete financial inclusion has faced persistent challenges, primarily due to low financial literacy, inadequate infrastructure, and difficult geographic access, particularly in rural and remote areas. While financial inclusion has been improving, the gap in access, usage, and quality of financial services remains large.
Financial inclusion means providing access to finance and financial services to all in a fair, transparent, and equitable manner at an affordable cost. Kamana Sewa’s DSBS directly tackles two major barriers to this goal: geographic access and convenience for vulnerable groups.
- Overcoming Geographical Hurdles: By literally taking the bank to the people, the DSBS extends the reach of formal financial services beyond traditional branch locations. While currently focused on the Kathmandu Valley (Kathmandu, Lalitpur, and Bhaktapur), the imminent nationwide expansion promises to connect underserved populations, including the elderly and those in geographically isolated settings, to the formal financial sector.
- Empowering the Unbanked and Underserved: The elderly and differently-abled often struggle with mobility. Doorstep banking empowers them by removing the physical burden of banking, allowing them to participate fully in the economy by easily accessing cash, managing savings, and maintaining formal financial records. This ease of access can help reduce dependency on informal, often exploitative, sources of credit and financial assistance.
- Promoting Digital Literacy through Assisted Use: Crucially, the process of requesting service through the mobile app encourages customers to engage with digital banking tools. For individuals who are hesitant or lack the technical know-how to perform purely digital transactions, DSBS provides an important intermediary step. A bank representative facilitates the final physical transaction (cash exchange or document collection) after the customer has used the digital platform (mobile app) to place the request. This ‘assisted-digital’ model can be a gentle, yet effective, way to boost digital financial literacy and confidence among customer segments that are resistant to full mobile banking adoption.
Kamana Sewa’s pioneering DSBS, therefore, serves as a vital component in Nepal’s broader strategy for inclusive growth, ensuring that all segments of society, irrespective of mobility or location, can benefit from the formal financial system, which is an essential feature of sustainable economic development.
For More: KSBBL’s Doorstep Banking Service