lumbini bikas bank

What lumbini bikas bank does

Lumbini Bikas Bank Limited (ticker LBBL on the Nepal Stock Exchange) is a Nepal-licensed development bank headquartered at Sunrise Biz Park, Dilibazar, Kathmandu, regulated by Nepal Rastra Bank (NRB) and the Securities and Exchange Board of Nepal (SEBON). It serves retail, SME, and corporate customers across Nepal through a physical network of 90+ branches plus a parallel digital stack including the Lumbini Smart web platform, a F1Soft-based mobile application (NTC and NCell compatible), i-Banking internet portal, ATM network, and POS terminals. The bank's stated footprint shows no international branch operations and no cross-border corporate presence; revenue and asset figures are not publicly disclosed in the underlying data.

The product suite is organized into three pillars: (1) 14 deposit schemes targeting demographic and behavioral cohorts such as Nari Bachat (women), Bal Surakshya Bachat (children), Senior Citizen Saving, Sahaytra Bachat (travel), Shareholders Saving, Welcome Saving, and a multi-benefit Lumbini Multiple Dhamaka scheme; (2) 11 loan products spanning agriculture (Agro Plus), consumer durables (Auto, Two Wheeler, Hire Purchase), housing (Home Loan), business (Business Plus), personal (Comfort), educational (Education Loan), foreign employment-linked lending, share-backed lending, and Micro Finance & Deprived Sector Lending; and (3) digital and ancillary services including VISA debit cards, QR code payments, cardless ATM withdrawal, international and domestic remittance, cross-border payments, ECC/IPS clearing, E-Wallet, locker service, ASBA for IPO applications, Digital FD, Bancassurance, and an EMI calculator. Underlying technical integrations are with FonePay (QR and Virtual Credit Card), NCHL (IPS and Electronic Cheque Clearing), NEPS (ATM/POS switching), VISA (issuing and e-commerce), and the two principal Nepali telecom carriers for SMS banking.

The bank earns revenue through the standard development-bank spread model: net interest margin between deposit mobilization and loan disbursement, fee income from mobile banking subscriptions (NPR 250/year individual, NPR 500/year corporate), VISA debit card issuance (NPR 1,000 per 5-year card or NPR 200/year), locker rentals (NPR 1,000-4,000/year), QR/POS MDR on merchant acquiring (zero below NPR 2,000; 0.6% or NPR 300 cap above), and trade finance charges (bid bond, performance bond, advance payment guarantee priced at fixed minimums or quarterly percentage rates). Go-to-market relies on direct branch sales, self-serve digital onboarding through e-KYC, and embedded partnerships with the national payment infrastructure rather than any third-party distribution or open-API ecosystem.

Name

lumbini bikas bank

Legal name

Lumbini Bikas Bank Limited

Website

https://lumbinibikasbank.com

Company type

Public

Operating status

Operating

Headcount range

101–250 employees

Short description

Lumbini Bikas Bank Limited is a Nepal-licensed, publicly traded development bank offering deposits, loans, digital banking, cards, and remittance services to retail, SME, and corporate customers across Nepal via 90+ branches, mobile banking, and QR payment infrastructure.

Ownership category

akta.pro rank

Product category

Development Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations) (FSAGAAAI), Balance-Sheet / Portfolio CRE Lending (FSALADAG)

Keywords

• Development banking
• Deposit products
• Consumer lending
• Digital banking
• Remittance services

Headquarters

HQ city

Kathmandu

HQ country

Nepal

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Pricing tiers

Distribution channels5 records

Marketing channels3 records

Core offering

Lumbini Bikas Bank is a Nepal-based development bank that mobilizes deposits and extends credit through 14 deposit schemes and 11 loan categories spanning retail, SME, agriculture, microfinance, housing, and education. It also operates a digital banking suite covering mobile and internet banking, e-KYC, VISA debit cards, QR payments, POS, remittance, cross-border payments, and bancassurance, delivered via 90+ branches and national payment network integrations.

Product overview

Lumbini Bikas Bank Limited is a development bank in Nepal offering a comprehensive banking portfolio organized across three pillars: (1) Deposit Products including 14 savings and recurring deposit schemes (Akshaya Kosh Bachat, Bal Surakshya Bachat, Check In Saving Account, Lumbini Talab Khata, Nari Bachat, Normal Saving, Premium Saving, Recurring Deposit, Sadharan Bachat, Senior Citizen Saving, Shareholders Saving, Sahaytra Bachat, Welcome Saving, Lumbini Multiple Dhamaka); (2) Loan Products spanning 11 categories (Agro Plus Loan, Auto Loan, Business Plus Loan, Comfort Loan, Education Loan, Foreign Employment Loan, Hire Purchase Loan, Home Loan, Share Loan, Micro Finance & Deprived Sector Lending, Two Wheeler Loan); and (3) Digital Banking Services including Lumbini Smart web platform, i-Banking, Mobile Banking, e-KYC, Online Account Opening, VISA Debit Card, QR Code Payment, POS terminals, Cardless Withdrawal, Remittance, Cross-Border Payment, E-Wallet, Locker Service, Bancassurance, ASBA, and Digital FD. The bank connects to national payment infrastructure including NCHL-IPS, NCHL-ECC, NEPS, FonePay, and VISA networks.

Differentiator

Problem solved

Functional benefit

Products and services

• Akshaya Kosh Bachat A savings deposit product designed for accumulating wealth over time, offered to retail customers.
• Bal Surakshya Bachat A children's savings deposit product for securing a child's financial future, targeted at parents and guardians.
• Check In Saving Account A combined checking/savings account for regular transactions and deposits, targeted at day-to-day banking customers.
• Lumbini Talab Khata A branded savings account product (Lumbini Pond Account) offered by the bank.
• Nari Bachat A specialized savings product targeting women customers, supporting women's financial inclusion.
• Normal Saving Standard savings account for general banking needs of retail customers.
• Premium Saving Premium-tier savings account with enhanced benefits, targeting higher-balance retail customers.
• Recurring Deposit A periodic deposit product requiring fixed monthly contributions, supporting disciplined savings.
• Sadharan Bachat General-purpose savings account product offered to retail customers.
• Senior Citizen Saving Savings product with special rates for senior citizens aged 60 and above.
• Shareholders Saving Savings account targeted at company shareholders of the bank.
• Sahayatra Bachat Travel-related savings product designed for customers planning trips.
• Welcome Saving New customer onboarding savings product for first-time account holders.
• Lumbini Multiple Dhamaka A multi-benefit deposit scheme offering combined savings features for retail customers.
• Agro Plus Loan Agricultural loan product supporting farming and agro-based activities, targeted at farmers and agribusinesses.
• Auto Loan Financing product for automobile purchases, targeted at retail consumers buying vehicles.
• Business Plus Loan Enhanced business financing product for SMEs and enterprises seeking working capital or expansion funding.
• Comfort Loan Personal loan product for general consumer needs, targeted at salaried and self-employed individuals.
• Education Loan Student loan product for financing educational expenses of students and their families.
• Foreign Employment Loan Loan product for individuals seeking overseas employment opportunities, covering migration-related expenses.
• Hire Purchase Loan Financing for hire purchase agreements on vehicles and equipment for retail and SME customers.
• Home Loan Mortgage and housing finance product for residential property purchase or construction by retail customers.
• Share Loan Loan against securities and shares, targeted at investors needing liquidity against shareholdings.
• Micro Finance and Deprived Sector Lending Microfinance and priority-sector lending for underbanked populations, fulfilling the development bank's deprived-sector mandate.
• Two Wheeler Loan Financing for motorcycle and scooter purchases, targeted at retail consumers.
• Lumbini Smart Web-based online banking platform for account access and transactions, targeted at retail and SME customers.
• i-Banking Internet banking service for online account management by retail and SME customers.
• Mobile Banking Smartphone application for banking services, supported on NTC and NCell networks; individual annual charge NPR 250 and corporate NPR 500.
• e-KYC Electronic Know Your Customer service for digital account opening, targeted at prospective retail customers.
• Online Account Opening Digital account opening service via web platform for retail customers seeking self-serve onboarding.
• VISA Debit Card International debit card on the VISA network with 5-year validity; issuance NPR 1,000 upfront or NPR 200/year. Supports e-commerce and India POS transactions.
• QR Code Payment QR code-based mobile payment solution via FonePay, targeted at merchants and consumers; initial registration is free.
• Point of Sale (POS) Merchant POS terminal service for accepting card payments at retail locations, targeted at merchant businesses.
• Cardless Withdrawal ATM cash withdrawal service without using a physical debit card, targeted at mobile banking customers.
• Remittance International and domestic money transfer service for migrant workers, diaspora families, and remittance beneficiaries in Nepal.
• Cross-Border Payment Foreign currency and international payment services for importers, exporters, and individuals making overseas transactions.
• ECC, IPS and Connect IPS E-Payment Electronic cheque clearing and interbank payment system services, enabling fund transfers across Nepal via NCHL infrastructure.
• EWallet Electronic wallet service for storing funds and conducting digital transactions, targeted at retail customers.
• Locker Service Safe deposit locker service for retail customers, with annual charges NPR 1,000-4,000 and security deposits NPR 5,000-11,000 depending on locker size.
• Bancassurance Insurance products and services distributed through bank branches, targeted at retail and SME customers seeking bundled financial protection.
• ASBA Application Supported by Blocked Amount service for retail and institutional customers applying for IPOs on the Nepal Stock Exchange.
• Digital FD Digital fixed deposit product purchasable through online channels, targeted at retail customers seeking self-serve term deposits.

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Everest Bank Limited: Nepal commercial bank with full retail, SME, and corporate banking, digital channels, debit cards, and remittance services. Comparable product set but operating at significantly larger scale across Nepal.
• Nabil Bank Limited: Largest private-sector commercial bank in Nepal, with the widest branch network, full corporate/institutional banking, treasury, trade finance, and digital offerings. Sets the upper bound for product breadth and scale that Lumbini Bikas Bank competes against.
• NIC Asia Bank Limited: Nepal commercial bank with national branch network, deposits, loans, digital banking, cards, and remittance. Overlaps heavily on product categories but serves a wider customer base and operates with greater scale and brand recognition.
• Citizens Bank International Limited: Nepal commercial bank offering savings, FDs, consumer/SME/corporate loans, mobile/internet banking, debit cards, and remittance. Similar service breadth but larger balance-sheet, branch network, and corporate banking franchise.
• NMB Bank Limited: One of Nepal's larger commercial banks ('A' class) with nationwide branches, full retail/SME/corporate banking, digital channels, cards, and trade finance. Comparable product universe but operates at significantly larger scale and broader scope than Lumbini Bikas Bank.
• Siddhartha Bank Limited: Nepalese commercial bank offering deposits, retail/SME/corporate lending, digital banking, debit/credit cards, and remittance. Comparable full-stack bank but licensed as 'A' class with broader corporate and trade-finance capabilities.

Direct peers

• Shangri-La Development Bank Limited: Nepal-licensed development bank providing savings, fixed deposits, loans, mobile/internet banking, debit cards, and remittance. Comparable business model, branch-and-digital distribution, and Nepal regulatory regime under NRB.
• Muktinath Bikas Bank Limited: Another 'B' class development bank in Nepal offering deposits, loans, remittance, and digital banking through a national branch and agent network. Closest like-for-like comparable in regulatory category, product mix, and target customer segments (retail, SME, microfinance, deprived-sector).
• Manakamana Smart Bikas Bank Limited: Nepal development bank offering deposits, SME and personal loans, mobile banking, and remittance. Similar size tier, regulatory status, and product mix as Lumbini Bikas Bank.
• Kalika Bikas Bank Limited: Nepal development bank with deposit and loan products, digital banking, and remittance services targeting retail, SME, and microfinance customers. Directly comparable in license class, geographic scope, and product portfolio breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/lumbini-bikas-bank

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about lumbini bikas bank