Banking and Finance notes for Lok Sewa and bank exams: Nepal Rastra Bank and its role, monetary policy, types of banks and financial institutions, interest, inflation, budget terms and basic accounting ideas. Notes are written in plain language with short examples, so you can understand the idea and not only memorise it. Use them for General Knowledge papers, for Nepal Rastra Bank and bank exam preparation, and for Nayab Subba economics questions. Figures such as policy rates change every year, so check the date on each post and the latest monetary policy before your exam.
Nepalis now pay bills, send money and shop using mobile apps and QR codes. Bank exams and Lok Sewa papers ask about types of digital banking, wallets, the role of Nepal Clearing House, the payment law and how to stay safe from fraud. This note explains the digital payment system of Nepal simply.
Many young Nepalis now apply for IPOs and trade shares online. The capital market helps companies raise long-term funds and gives savers a way to invest. This note explains the money and capital markets, primary and secondary markets, the key institutions (NEPSE, SEBON, CDSC), types of securities and common share-market terms.
Money is anything that is generally accepted as a means of payment. Before money, people used barter. Lok Sewa and bank exams ask about the problems of barter, the functions and types of money, Gresham’s law and the history of Nepal’s currency. This note explains all of these simply.
Monetary policy is how Nepal Rastra Bank controls the amount of money, credit and interest rates in the economy to keep prices stable and support growth. Bank exams and Lok Sewa papers ask about its objectives, tools such as CRR and repo, the interest rate corridor and the difference between monetary and fiscal policy. This note explains all of these simply.
Nepal’s banking and financial institutions are licensed by Nepal Rastra Bank and grouped into four classes, A to D. This note explains the classes, the main law that governs them, the history of important banks, types of deposit accounts and other basics that are asked in Lok Sewa and bank exams.
Nepal Rastra Bank (NRB) is the central bank of Nepal. It issues the Nepali rupee, makes monetary policy, manages foreign exchange and supervises banks and financial institutions. Questions on its establishment, laws and functions appear in Lok Sewa general knowledge papers and in every bank exam. This note covers all of them.
Besides banks, many Nepalis save and borrow through cooperatives and microfinance institutions, and protect themselves through insurance. The Constitution names the cooperative sector as one of the three pillars of the economy. This note explains cooperatives, microfinance and insurance, their history in Nepal, principles and regulators.
Accounting is the language of business. Bank exams and many Lok Sewa papers ask about the accounting equation, the double-entry system, journals and ledgers, the trial balance and the balance sheet. This note explains the basic terms simply, with short examples.
