Kathmandu. For a long time, not only deposits in banks and financial institutions but also the interest rate of loans has been decreasing. The reduction in interest rates is also a good opportunity for investors to take loans from banks and financial institutions.

However, due to the weak morale of the private sector in Nepal, the credit flow has not been adequate. Due to the lack of adequate loan flow, the money is deposited in the bank.

According to Nepal Rastra Bank, the number of loan accounts of commercial banks and finance companies has increased, but the number of development banks has decreased.

As of mid-July 2081, the number of loan accounts of the development bank was 2,81,810. As of mid-July 2082, it was only 2,66,884. This fact also shows that the number of loans taken from development banks has decreased.

On the other hand, the loan accounts of commercial banks and finance companies have increased. In the same period of the last fiscal year, the bank had a loan account of Rs 1,574,414. This is 16,43,791 in July.

Similarly, the loan account of the finance company was 43,259 in July and 58,572 in the same month of August. According to the Nepal Rastra Bank, there are 19,69,247 bank accounts in banks and financial institutions as of mid-July.

The base rate of the development bank stood at 7.28 percent in July. It was 9.28 percent in August last year. During this period, the base rate of the development bank has decreased. However, the loan account has not increased. The weighted average interest rate of development bank loans in July is 9.09 percent. It was 11.07 percent in July.