NMB Bank Strengthens Support for SMEs and MSMEs with Tailored Loan Solutions

20th November 2025, Kathmandu

NMB Bank Limited is reaffirming its powerful commitment to the economic development of Nepal by expanding and customizing its loan solutions specifically for Small and Medium Enterprises (SMEs) and Micro, Small, and Medium Enterprises (MSMEs).

NMB Bank MSMEs Loans

As the country’s sole member of the Global Alliance for Banking on Values (GABV), the bank’s strategy is deeply rooted in providing sustainable, value-based financial products that actively contribute to the resilience of communities and drive long-term, equitable economic growth.

Customized Financing for SMEs and MSMEs

NMB Bank’s loan portfolio is strategically segmented to meet the distinct financial requirements and growth stages of various Nepali enterprises, from emerging businesses to large-scale operations.

SME Loans (Small and Medium Enterprises)

SME loans are designed for businesses poised for significant expansion, requiring substantial capital to scale their operations.

Loan Range: These financing solutions are customized for businesses seeking loans ranging from NPR 5 million to NPR 50 million.

Target Sectors: The bank is focusing on high-potential, productive sectors that have a measurable impact on national economic expansion. These key areas include Trading, Manufacturing, and Services.

High-Potential Focus: Within these broad sectors, NMB has identified and prioritizes businesses in specific, high-growth areas. These include tourism-related businesses like hotels and resorts, export-based manufacturing industries such as handicrafts, carpets, and apparel, and companies specializing in locally produced goods. The ultimate goal is to nurture these growing SMEs, helping them to transition into major national business houses.

MSME Loans (Micro, Small, and Medium Enterprises)

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MSME products are tailored for smaller, often family-run or emerging enterprises that typically face unique challenges in accessing formal finance.

Loan Range: These products offer financing solutions ranging from NPR 1 million to NPR 5 million, targeting businesses at the grassroots level.

Addressing Common Challenges: NMB Bank’s approach goes beyond simply providing capital. It directly addresses the common impediments faced by small businesses, including the lack of formal financial documentation, difficulties in complying with tax requirements, and limited knowledge of financial planning.

To overcome these structural hurdles, NMB Bank is significantly enhancing its advisory support and widening its service access. This ensures that MSMEs receive holistic assistance covering not just financing, but also crucial guidance on documentation, regulatory compliance, and general operational strategies, fostering financial literacy and operational stability.

Commitment to Sustainable and Value-Based Banking

NMB Bank’s commitment to these specialized lending programs is intrinsically linked to its identity as Nepal’s exclusive member of the GABV. This membership binds the bank to operate under principles that prioritize people, planet, and prosperity equally, rather than just profit maximization.

Sustainable Growth: By focusing on productive sectors, NMB Bank ensures that its lending supports environmentally and socially responsible business practices, aligning its financial objectives with Nepal’s long-term sustainability goals.

Competitive Financing: To ensure the accessibility of these specialized loans, the bank structures its interest rates competitively. For instance, based on recent published rates, NMB Bank typically applies a premium of 1 percent to 3 percent over its base rate for standard working capital and term loans under the SME/MSME category, providing a structured and transparent financing cost.

Access and Next Steps for Entrepreneurs

The bank emphasizes responsive and motivated staff across its nationwide branch network, all of whom are trained to understand the nuanced needs of small and medium business owners. NMB Bank invites all small and medium enterprises across the country to visit its service outlets. These visits provide an opportunity for entrepreneurs to directly explore the various financing options that are tailored specifically to their current business growth stage and future expansion plans. The bank’s integrated approach of financing, compliance support, and long-term vision positions it as a key partner for the nation’s burgeoning entrepreneurial ecosystem.

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