Nabil Bank
Nabil Bank is Nepal's first private commercial bank, founded in 1984, operating 266 branches and 318 ATMs nationwide. It offers retail and business banking, digital banking via nBank, and cross-border remittances to individuals, SMEs, and migrant workers.
- Company typePublic
- Founded1984
- HeadquartersKathmandu, Nepal
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What Nabil Bank does
Nabil Bank is Nepal's first private commercial bank, established in 1984 and headquartered in Kathmandu. The bank operates a full-service retail and business banking franchise spanning 266 branches and 318 ATMs nationwide, complemented by the proprietary nBank mobile app, Nabil Online internet banking, Nabil ViberBanking, and nRemit for international remittances. It serves individual consumers, SMEs, migrant workers, and commercial enterprises through a diversified portfolio of lending products (auto, home, gold, education, business, and personal loans), foreign-currency and premium remittance savings accounts, credit cards, and remittance services. Nabil Bank is publicly listed on the Nepal Stock Exchange (ticker: NABIL) and maintains wholly-owned subsidiaries in stock brokering (Nabil Stock Dealer Limited), retirement fund management, and investment banking.
The bank's technology stack is anchored by the nBank mobile platform and proprietary API integrations. Notable capabilities include the UPI-NPI cross-border payment linkage with India's Unified Payments Interface — enabling real-time 24/7 P2P remittances between Nepal and India — and a custom middleware built for the Nepal Insurance Authority to automate the Airmark system for insurers' fixed deposit management. Nabil also leverages partner integrations including PhoneLoan for AI-based digital lending and Visa for card issuance. The core product portfolio combines traditional banking (lending, deposits, foreign currency accounts) with digital-first offerings (Apple BNPL, appointment banking, QR and mobile number-based payments).
Revenue is generated primarily through net interest income from a diversified loan book, transaction fees on remittances (e.g., NPR 240 flat fee for Nepal-to-India transfers), loan administration fees (0.75% on auto loans), commitment fees, and card/merchant interchange. Distribution is omnichannel: physical branch banking for relationship-driven and complex products, self-serve digital channels for transactional banking, and partner-driven channels (Visa, Apple merchants, PhoneLoan) for card and embedded lending. Subsidiaries (stock dealer, retirement fund, investment banking) provide additional fee-based revenue streams.
Nabil Bank firmographics
Firmographics- Name
- Nabil Bank
- Legal name
- Nabil Bank Limited
- Website
- https://nabilbank.com
- Company type
- Public
- Founded year
- 1984
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Nabil Bank is Nepal's first private commercial bank, founded in 1984, operating 266 branches and 318 ATMs nationwide. It offers retail and business banking, digital banking via nBank, and cross-border remittances to individuals, SMEs, and migrant workers.
- Ownership category
- akta.pro rank
Where Nabil Bank is headquartered
LocationHeadquarters
- HQ city
- Kathmandu
- HQ country
- Nepal
- HQ region
- Asia
Offices2 records
Markets served
Nabil Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain
Revenue model
- Interest Income: Traditional banking revenue from interest on loans including auto loans, housing loans, gold loans, personal loans, and business lending to individuals and SMEs.
- Fee-based Services: Transaction fees from remittance services, ATM withdrawals, loan processing fees, and other banking service charges.
- Auto Loan Administration: Loan administration fees (0.75% of loan amount), commitment fees (0.15% of unutilized limit), and prepayment fees based on timing of early repayment.
- Cross-border Remittance Fees: Transaction fees for Nepal-India cross-border P2P remittance services, with flat fees per transaction direction (NPR 240 for Nepal-to-India).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Auto Loan - New Vehicle (Private) |
| Subscription | Monthly | Auto Loan - Commitment Fee |
| Transaction based/ take rate | Pay-as-you-go | Cross-border Remittance (Nepal to India) |
| Transaction based/ take rate | Pay-as-you-go | Cross-border Remittance (India to Nepal) |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels5 records
Nabil Bank product offering
Product offeringCore offering
Nabil Bank is a full-service commercial bank offering personal and business banking products including loans (auto, home, gold, personal, education, business), savings and deposit accounts (including USD accounts for expatriates), domestic and international remittance services, credit/debit cards, insurance products, and digital banking channels (nBank mobile app, Nabil Online, ViberBanking). The bank also enables cross-border Nepal-India P2P remittances through direct UPI-NPI integration and provides API-based integrations for insurance fixed deposit management.
Product overview
Nabil Bank operates as Nepal's first private commercial bank offering a comprehensive digital banking platform with mobile app (nBank), internet banking, and branch network of 266 branches and 318 ATMs. The product portfolio includes loan products (home loans like Smart Nari Ghar Karja and Dhukka Ghar Karja, gold loans, auto loans), savings and deposit accounts (USD accounts, premium remittance accounts, regular savings), remittance services (nRemit, domestic remittance, Nepal-India cross-border P2P), insurance products, and digital payment solutions including Apple BNPL and appointment banking. The bank provides APIs for insurance integration and cross-border payment connections through NCHL and India's UPI.
Differentiator
Problem solved
Functional benefit
Brands
- nBank: Mobile banking application for instant digital banking services including P2P transfers, bill payments, and account management
- nRemit
- Nabil Smart Nari Ghar Karja
- Nabil Instant Gold Loan
- Nabil Appointment Banking
Products and services
- nBank Mobile Banking Mobile banking application enabling customers to perform banking transactions, money transfers, QR code payments, bill payments, and access financial services digitally. Supports Send to Mobile Number functionality and cross-border remittances.
- Nabil Smart Nari Ghar Karja Specialized home loan designed exclusively for women to own, build, or renovate property with flexible repayment options, tailored EMI plans, discounted partner services, and lifetime free credit cards.
- Nabil Dhukka Ghar Karja Home loan facility with fixed interest rate, eliminating concerns about fluctuating rates and EMIs, designed to fulfill homeownership dreams.
- Nabil Dhukka Sun Kharid Karja Gold loan facility to purchase gold jewelry through Nabil Bank's network of registered jeweler merchants with financing up to 70% of jewelry value, flexible EMIs, loan amounts up to NPR 1 million, and tenures up to 10 years.
- Nabil Instant Gold Loan Financing solution allowing customers to leverage gold holdings to manage immediate financial needs with quick disbursement.
- Nabil Auto Loan Vehicle financing product for private and commercial vehicles including electric vehicles, offering competitive interest rates, quick processing, flexible tenure up to 7 years, and financing up to 60-70% of vehicle value. Loan Administration Fee: 0.75% of loan amount.
- Nabil USD Elite Savings Account Foreign currency savings account for expatriates, diplomats, and development professionals in Nepal, offering secure and convenient management of foreign currency earnings.
- Nabil USD Special Savings Account USD savings product for individuals having foreign currency income source and eligible for maintaining FCY accounts.
- Nabil Premium Remittance Savings Account Premium savings product for individuals engaged in foreign employment, enabling migrant workers to remit money to Nepal through formal banking channels.
- Nabil Karmashil Bachat Khata Savings account facilitating easy circulation of savings for employed persons inside and outside the country.
- Nabil Dhukka Bachat Khata Savings account designed to cater to all needs of valued customers with flexible features.
- Domestic Remittance Service for transferring money within Nepal to any bank account through the bank's network.
- nRemit International Remittance International remittance service for receiving money from abroad through the nBank platform.
- Nepal-India Cross-Border P2P Remittance Cross-border person-to-person remittance service between Nepal and India via direct UPI-NPI integration. Supports Nepal-to-India transfers (up to INR 15,000 per transaction, INR 100,000 monthly) and India-to-Nepal transfers (up to INR 200,000 per transaction with no monthly cap). Flat fee: NPR 240 per Nepal-to-India transaction.
- Apple BNPL (Buy Now Pay Later) Buy Now Pay Later service enabling iPhone purchases at 0% interest through Nabil Credit Card at authorized Apple merchants.
- Group Personal Accident Insurance Policy Insurance product absolving Nabil Bank account holders of medical expenses due to injury or death from accidents.
- Nabil Appointment Banking Online appointment booking service enabling customers to schedule appointments at branch banking locations digitally to reduce wait times.
- Nabil ViberBanking Banking service through Viber platform enabling customers to perform basic banking transactions via messaging app.
- Nabil Online Internet Banking Internet banking platform for online account management, transactions, and financial services access.
- Business Loans and SME Financing Business loans, SME financing, commercial agriculture loans, solutions for importers, and handicraft and skill-based enterprise development loans for small and micro enterprises, commercial businesses, exporters and importers operating in Nepal.
- Nabil Visa Credit and Debit Cards Visa credit and debit cards issued to Nabil Bank customers, supported by the bank's Visa Excellence recognition and merchant discount network.
Companies that use Nabil Bank
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles3 records
Nabil Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature3 records
Nabil Bank partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- NPCI International Payments LimitedcoreNPCI International Payments Limited enables the cross-border UPI-NPI linkage connecting India's UPI with Nepal's NPI. This partnership allows real-time, 24/7 person-to-person remittances along one of South Asia's largest remittance routes. The service is part of UPI's international expansion which now operates across nine countries.
- Nepal Clearing House LimitedcoreNabil Bank launched Nepal-India-Nepal cross-border P2P remittance service in partnership with NCHL, which operates Nepal's National Payment Interface. NCHL facilitates the technical connection between Nepal's NPI and India's UPI for instant cross-border transfers.
- Nepal Insurance AuthoritycoreAPI integration partnership to automate the Airmark system which manages insurers' fixed deposit investments. Nabil Bank developed middleware enabling automatic authentication of block and unblock requests between the insurance authority and the bank, rejecting erroneous details while accepting only correct ones. This partnership represents a step toward digital transformation improving efficiency, transparency, and service delivery in Nepal's insurance sector.
- VisacoreVisa card services partnership enabling Nabil Bank to issue Visa credit and debit cards. The bank has received Visa Excellence recognition, indicating strong performance in card issuance and merchant services.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Nabil Bank competitors and assessment
Company assessmentDirect peers
- NMB Bank Nepal: One of Nepal's largest private commercial banks with a similarly extensive nationwide branch network and full suite of retail and corporate banking products. Directly comparable to Nabil Bank in scale, product breadth, and target customer segments within the Nepali commercial banking market.
- NIC Asia Bank: Major Nepali private commercial bank offering personal banking, SME lending, remittance, and digital banking services. Competes with Nabil Bank across the same retail and corporate product categories within Nepal.
- Himalayan Bank: Established Nepali commercial bank with a significant branch network, remittance services, and digital banking offering. A natural head-to-head competitor to Nabil Bank across retail deposits, lending, and card services in Nepal.
- Everest Bank: Long-standing Nepali private commercial bank serving retail and SME customers with a comparable mix of deposits, loans, and remittance products. Direct peer in the Nepali commercial banking landscape.
- Citizens Bank International: Nepali commercial bank with a broad retail and SME banking portfolio, including digital banking and remittance services. Competes with Nabil Bank for the same mass-market and SME customer base within Nepal.
- Bank of Kathmandu: Nepali commercial bank with a strong urban and SME focus, offering deposits, lending, and digital channels. Comparable to Nabil Bank in core commercial banking products and target segments.
- Nepal Investment Mega Bank: Merged Nepali commercial bank offering retail, corporate, and SME banking services across a national branch network. Direct competitor to Nabil Bank in the Nepali commercial banking market.
- Prabhu Bank: Nepali commercial bank with a national branch network and full retail/SME lending suite. Comparable to Nabil Bank in product mix and customer targeting within Nepal.
- Sanima Bank: Nepali commercial bank offering personal banking, SME lending, and remittance services with growing digital capabilities. Direct peer competing for similar retail and SME customers.
Broad incumbents
- HDFC Bank: One of India's largest private sector banks and a counterpart on the UPI side of the Nepal-India cross-border payment linkage. While operating in a much larger market, it is comparable in its digital banking leadership, retail credit card franchise, and cross-border payment infrastructure role relative to Nabil.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Nabil Bank social profiles
Digital presenceNabil Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Nabil Bank leadership team
Management profileNumber of profiles
Profiles1 record
Nabil Bank subsidiaries and ownership
Company hierarchySubsidiaries3 records
Nabil Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Nabil Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Nabil Bank
What does Nabil Bank do?
Nabil Bank is a full-service commercial bank offering personal and business banking products including loans (auto, home, gold, personal, education, business), savings and deposit accounts (including USD accounts for expatriates), domestic and international remittance services, credit/debit cards, insurance products, and digital banking channels (nBank mobile app, Nabil Online, ViberBanking). The bank also enables cross-border Nepal-India P2P remittances through direct UPI-NPI integration and provides API-based integrations for insurance fixed deposit management.
Is Nabil Bank a public or private company?
Nabil Bank is a public company. It is classified as public and is currently operating.
When was Nabil Bank founded?
Nabil Bank was founded in 1984. It employs 1,001 to 5,000 people.
Where is Nabil Bank based?
Nabil Bank is headquartered in Kathmandu, Nepal, in the Asia region.
How does Nabil Bank make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are fee-based Services, auto Loan Administration and cross-border Remittance Fees.
Who are Nabil Bank's main competitors?
Direct peers on record are NMB Bank Nepal, NIC Asia Bank, Himalayan Bank, Everest Bank, Citizens Bank International, Bank of Kathmandu, Nepal Investment Mega Bank, Prabhu Bank and Sanima Bank. HDFC Bank is listed as a broad incumbent.
Does Nabil Bank have an API?
Yes. Nabil Bank has developed a middleware for API integration with the Nepal Insurance Authority's Airmark system to automate authentication of block and unblock requests for insurers' fixed deposit investments. The bank also supports cross-border remittance integration through Nepal Clearing House Limited (NCHL) and India's Unified Payments Interface (UPI). Additional API capabilities include nBank mobile banking platform integration and Connect IPS for remittance services.