About



Jyoti Bikash Bank Limited is a national level development bank engaged in commercial banking activity with category "Kha" license from Nepal Rastra Bank. Established by a core group of promoters coming from the employees of Nepal Electricity authority among other businessmen, professionals and common citizens, the bank had an original focused vision of promoting hydropower sector through lending credit facilities to potential hydro projects. Continuously assessing the needs of the common citizens and economy of the country on the whole, the Bank has by now established itself as a financial institution catering to a large segment of the society with the cause of the citizens' needs at the centre.

With the growing economy and a change in the demographic mix, more and more people are getting engaged into commercial and financial activities and the need of credit and other banking facilities has been on a tremendous rise. From personal financial needs to the financial needs of small and medium size businesses to the needs of big corporates, the Bank has been at the forefront of supporting the national goal of bringing about prosperity in the lives of the citizens.

Starting with an initial paid up capital of Rs. 259 Million, the Bank has reached a paid up capital of Rs. 3.10 billion with the latest acquisition of Hamro Bikas Bank Limited. In the journey of past almost 11 years, the Bank merged with Jhimruk Bikas Bank Limited (FY 2073/74) and  has acquired 2 more regional level development banks in, Raptiveri Bikas Bank Limited (FY 2074/75) and Hamro Bikas Bank Limited (FY 2075/76).

The Bank currently has 97 branches across the county including 2 extension counters with presence in all provinces (8 in province 1, 11 in province 2, 43 incl. 2 ext. counters in province 3, 8 in Gandaki Province, 21 in province 5, 3 in Karnali province 6 and 3 in Sudurpaschim province). The Bank has also been providing services from network of ATM machines (28) and is in the process of extending its reach through both branch and ATM expansion apart from reaching the growing techno-friendly customers with wide range of digital banking products.

Jyoti Bikash Bank has set a clear set of Purpose, Vision, Vision, Core values and business strategy which truly reflects its utmost urge to serve the citizens of the Country through all possible avenues.

We welcome you all to a truly "Jyoti" experience. 

Mission and Vision


दूर दृष्टि (VISION)

जोखिम व्यवस्थापन तथा संचालन पद्धतीमा अन्तर्राष्ट्रियरुपमा स्थापित मापदण्डहरुको अवलम्बन गर्दै नागरिक र समाजको  वृहत्तर हित केन्द्रित, आधुनिकएवं सरल विश्वव्यापी बैंकिङ्ग सेवा तथा वित्तिय परामर्श प्रदानगर्ने संस्थाको रुपमा स्थापित हुने ।

(To be established as an institution with the larger cause of citizens and society at the center, delivering modern, informed and easy financial services by building upon best practices of risk management and operation system.)


ध्येय (MISSION)

राष्ट्रिय तथा अन्तर्राष्ट्रिय स्तरमा विद्यमान आर्थिक एवं सामाजिक आयामहरु तथा बैंकिंग क्षेत्रसंग सम्बन्धित सूचनाको अन्वेषण र विश्लेषणबाट व्यवसायिक निर्णय गर्ने व्यवस्था निर्माण गर्दै आधुनिक सूचना प्रविधिको उच्चतम परिचालन मार्पmत् छरिएर रहेको आर्थिक श्रोत तथा साधनलाई उत्पादनशील क्षेत्र तर्फ एकत्रित, कृयाशील र गतिशील बनाउन विश्वसनीय वित्तीय मध्यस्तकर्ताको रुपमा काम गर्दै सेवाग्राही, शेयरधनी, कर्मचारी, समुदाय तथा सरकार लगायतका सरोकारवालाहरुलाई यथोचित प्रतिफल प्रदान गर्ने । (यथोचित प्रतिफलः सेवाग्राही – आवश्यकता परिपुर्ति, क्षमता सम्वद्र्धन एवं विस्तार र सम्भाव्यताको दिगो दोहन उन्मुख वित्तिय सेवा तथा सूचना प्रवाह मार्फत उनीहरुको जीवनमा सार्थक परिवर्तन, शेयरधनी – प्रत्येक वर्ष यथोचित लाभांश, समुदाय – हाम्रो विकास प्रवद्र्धन कोषमा नियमित वृद्धि गर्दै अधिक भन्दा अधिक नागरिकको उन्नति हुने परियोजनाको पहिचान र कार्यान्वयनमा सहजिकरण, नियमनकारी निकाय – नियमित रुपमा परिस्कृत संस्थागत शासन, विधिको परिशुद्ध अनुपालन तथा अभिनव नीति निर्माणमा योगदान, सरकार – नियमित रुपमा उक्लिंदो कर) 

(Establishing a system of decision making through extraction and analysis of information related to banking industry, having regard to the economic and social dimensions prevalent in national and international context, ensure that dispersed economic resources and tools are concentrated, mobilized and progressed towards productive sector through optimal use of modern information technology; thus providing equitable return to stakeholders including customers, shareholders, employees, society and the government while acting as a trustworthy financial intermediary.)



Our Values ( आधारभूत मुल्य मान्यताहरु )



विश्वसनीय र स्तरीय सेवा  (Faithful and Quality Services)

सेवाग्राहीलाई केन्द्रमा राखी सम्पूर्ण जानकारी सहित छिटो छरितो, प्रविधियुक्त, विश्वसनीय र मुस्कान सहितको सेवा प्रदान ।

(Citizen Cause centered easy, faster and technology driven banking and financial decision making information services.)

वृहत्तर लाभ (Oriented for Larger Benefits) 

नागरिक र समाजको वृहत्तर लाभ केन्द्रित सोंच, विचार, सिद्धान्त, नीति, विधि र व्यवस्थाबाट सिंचित व्यवसायीक व्यवहार ।

(Professional behavior nurtured with thoughts, theories, policies, rules and the system driven by larger cause of the citizens and society at large.)

उपलब्ध श्रोतको न्यायपुर्ण उपयोग र वितरण (Judicious use of existing resources and distribution of benefits )

समग्र आर्थिक समुन्नतिमा टेवा पुग्ने गरी श्रोतको उपयोग, शून्य केन्द्र्रित खराव सम्पत्ति, जहांको श्रोत त्यहिंको दिगो विकास केन्द्रित व्यवसायीक व्यवहार,लाभको न्यायोचित वितरण, उत्पादनशील क्षेत्रमा श्रोतको परिचालन, स्थानिय नागरिकका आवश्यकता केन्द्रित वित्तीय सेवाहरुको विकास नीति रकार्यान्वयन ।

(Use of available resources duly taking holistic view of economic prosperity into account, zero centered non-performing assets/loans, focus on promoting sustainable development through investment of economic resources where they belong, judicious distribution of benefits, mobilization of resources in the productive sectors, local citizen’s need centered policies of financial services and their implementation.)
संस्थागत सुशासन (Corporate governance) 

नीति, विधि र व्यवस्थाको लयवद्ध प्रवाह सहितको निरन्तर पालना ।
(Sustained compliance and synergistic flow of policies, rules and the systems. )
पारदर्शिता (Transparency)

सबै तह–सोंच निर्माण/परिमार्जन, नीति निर्माण, निर्णय प्रकृया, सञ्चालन पद्धति र सञ्चालन व्यवहार–मा गरिने कृयाकलापमा स्पष्टता, परिशुद्धता,सम्बन्धित सबैको कृयाशील एवं सार्थक सहभागिता र परिपक्व सूचना प्रवाह।
(Clarity, precision, active and meaningful participation and matured information dissemination approach in activities undertaken at all levels, including idea generation/thinking,  policy formulation and revision processes,  decision making processes, decision making, operational approach and system. )

निष्पक्षता (Impartiality)

सबै नागरिक प्रति समान आदर र व्यवहार, कर्मचारी नियुक्ति लगायत संस्थाबाट प्रवाहित हुने सम्पुर्ण गतिविधिमा सम–आदर र निष्पक्षताको नियमितसुनिश्चितता।
(Equal respect and treatment to all citizens and sustained assurance of fairness in all activities including recruitment of staff.)
 
गतिशील मानव संशाधन (Dynamic Human Resources)

व्यवसायीक रुपमा सक्षम, समर्पीत, सत्यनिष्ठ, प्रशन्न, अध्ययनशील, आत्मविश्वासी, निर्भीक र शालिन मानव संशाधनको परिचालन ।
Mobilization of professionally competent, dedicated, committed, truthful, dynamic, cheerful, studious/updated, self-motivated and assured/assertive/poised human resources.Citizen Cause centered easy, faster and technology driven banking and financial decision making information services.


Capital Structure


Authorized Capital Rs. 5,00,00,00,000
Paid up Capital Rs.  3,10,00,38,525.73