Streamlining Loan Classification with an Automated Excel UDF Tool As per Nepal Rastra Bank’s Directive No. 2, loans are categorized based on the number of overdue days to ensure effective credit risk management. The classifications are as follows: Good (up to 30 days overdue), Watchlist (31–90 days), Substandard (91–180 days), Doubtful (181–365 days), and Bad Loan (over 365 days). To simplify this process, the Excel UDF (User Defined Function) Tool automatically determines the appropriate loan category based on the due days and reporting date entered by the user. This tool minimizes manual calculation errors, saves time, and ensures accurate and compliant loan classification for financial institutions.
Nepal Rastra Bank (NRB) has unveiled its revised monetary policy for FY 2082/83, targeting inflation control and economic growth. Key measures include adjusted interest rates to balance savings and credit flow, with inflation capped at 6.5%. Priority sectors like agriculture and SMEs will receive focused lending support. The policy also promotes digital finance to enhance accessibility. Amid global uncertainties, the NRB aims to stabilize the financial sector while boosting domestic productivity. Liquidity management and fintech innovation remain central to this strategy. These revisions align with Nepal’s broader economic recovery goals. Read more for a detailed breakdown of the policy’s implications.
The Nepal Rastra Bank (NRB) released its mid-term review of the Monetary Policy for FY 2080/81 on Chaitra 08, 2081. While the central bank maintained a steady policy stance, it introduced several structural adjustments to enhance financial sector resilience, credit discipline, and monetary transmission. The revisions reflect a cautious approach aimed at maintaining macroeconomic stability while addressing sector-specific concerns.
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