District Overview

Rupandehi lies in Lumbini Zone in the Western Development Region of Nepal. Bhairahawa is the district headquarter. The district, with an area of 1,360 sq. km is divided into 69 VDCs and two municipalities. Rupandehi has 163,916 households with a total population of 880,196.

Economic and Financial Landscape

Agriculture (including livestock and poultry), cottage industries and trading are the main economic activities of the district. 82.6% of the population reported agriculture as the major source of income. Among the registered small and cottage industries, majority of the industries work in the production sector, followed by the service sector and then the tourism sector.
The district is served by 118 different branches of ‘A’ Class Commercial Banks, 65 different branches of ‘B’ Class Development Banks and seven different branches of ‘C’ Class Finance Companies. The population served per branch is 5,173 against the national average of 8,960 . This indicates the need to further expand the outreach of financial services and facilities to the unbanked population of the area.

GESI Issues

Rupandehi’s total population comprises of about 15.9% Brahmins, 10.7% Magar, 9.63% Tharu, 8.23% Muslim followed by many others, in terms of caste and ethnicity. Women in Rupandehi are mostly confined to farming and household activities, and are less involved in major economic activities. This has led to practices like early marriage and dowry system. There is a lack of easy access to loan for women farmers. Subsidy to women to adopt new technologies hasn’t been introduced till date. Due to seasonal migration and involvement of women mostly in household activities, the area faces labour shortage in agriculture. Introduction of technologies that reduce the need of labour should be made accessible to women. A key aim of Sakchyam is to increase the access to financial services and products which also facilitate mechanisation of agriculture and facilities to empower women and other disadvantaged groups of the area.

Sakchyam’s Ongoing Interventions

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district by establishing BLB Touch Points in partnership with BOK (one BLB) and Macchapucchre Bank (four BLBs).


Value Chain Financing Innovations

  • Laxmi Bank has launched Tractor Loan targeting farmers in Rupandehi. They have also introduced Sakchyam Udhyami Karja, Micro Mortgage, E-Rickshaw and Livestock Loan in the district.


Outreach Expansion

  • To increase financial access for rural poor, one branch of BOK has been established in the district.


Financial Literacy Initiatives

  • RMDC is conducting financial literacy campaigns through school level interactions and disseminating messages through mass media.


Other Support

  • The programme is providing Dedicated ARM support to Machhapuchhre Bank, Sanima Bank and Laxmi Bank in the district.