AN INTERNSHIP REPORT ON GENERALBANKING ACTIVITIES OF NEPAL

SBIBANK LIMITED
Submitted by:Binita BhandariVictoria collegePU Registration Number:Exam Roll
No:Submitted To:Office of the DeanFaculty of ManagementPokhara UniversityIn partial
fulfillment of the requirement for thedegree ofBachelor of Business Administration
(BBA)Ghorahi, DangJune, 2019

 
2
DECLARATION
This Internship report entitled
"General Banking Activities of Nepal SBI Bank
Limited”
 submitted to Victoria International College, Faculty of Management,Pokhara University is our
original work done in the form of partial fulfillment of therequirement of Bachelor of Business
Administration (BBA) under the supervision ofMr. Bamdev Bhandari.
Signature…………………
Mrs. Binita Bhandari
 

 
3
ACKNOWLEDGEMENT
This report has been created for the partial fulfilment of the requirement for the
Bachelor’s degree in Business Administration (BBA). The basic purpose of this
Internship Report is to introduce and make familiar with the actual professional livesand
environments of different organization in terms of its Operation, Management
and their day to day transaction’s functioning. Such sort of Internship work helps us
to know about working environment of organization.We would like to extend our deep gratitude
to all those respondents without whosesupport this report would not have been completed.At
first, we would like to express our gratitude to
Mr. Kul Bir Chaudhary
,(Principal) and
Mr. Bamdev Bhandari
(Report Supervisor) for suggesting andconstant guidance for preparing this report.We would like
to take this opportunity to thank Nepal SBI Bank Limited for providing an opportunity to hold an
internship at Ghorahi branch. We would like toextend special thanks to
Mr. Pawan Ghimire
(Branch Manager) for granting thischance to learn.we would also like to express our special
thanks and my friendliness toward all thedepartment staffs of Nepal SBI Bank Limited for
providing us a friendly andenjoyable working environment during all those weeks. This has been
a really present time working around those persons.Finally, our deepest regard to
Ms. Pushpa Budhathoki
(CSD) and friends forhelping me directly or indirectly.
Binita BhandariJune, 2019

 
4
ABBREVATIONS
 
ABBS : Any Branch Banking ServiceA/C : AccountATM : Automated Teller MachineAOA : Ar
ticle of AssociationBBA : Bachelor of Business AdministrationCCD : Credit to Capital plus Dep
osit RatioCRR : Cash Reserve RatioCSD : Customer Service DepartmentEPS : Earning per share
FD : Fixed Deposit NIC : Nepal Industrial and Commercial NRB : Nepal Rastra
BankRD : Remittance DepartmentROA : Return on AssetsSLR : Statutory Liquidity RatioSMS : 
Short Message ServiceSWOT : Strength, Weakness, Opportunities and ThreatSWIFT : Society f
or Worldwide Interbank Financial TelecommunicationT.T : Telex TransferP.A : Per AnnumP.U. 
: Pokhara UniversityPE : Price EarningVISA : Visa International Service Association

 
5
Table Contents Page no.
 
Titles
Declaration………………………………………………………
................................I
 
Certificate from the supervisor……………………………………
...........................II
 
Acknowledgements ………………………………………………
...........................III
 
CHAPTER I
INTRODUCTION ……..………………………………
.......
……
..........1-19
1.1 Background
…………………………………………………………
...................1
 
1.2. Objective of the Study
……………………………………………..…
.................21.3 Methodology
……………………………………………
......................................41.3.1 Organization Selection
…………………………………………………………5
 1.3.2 Placement..........................................
………………………………………
..
…6
 1.3.3 Duration
…….
......................................................................................................61.3.4 List of
Activities Performed..............................................................................1.4. Limitations of the
Study
………………………………………
................
…
......
CHAPTER II INTRODUCTION OF BANKING INDUSTRY..................................12-17
2.1 Background
…………………………………….
...................................................92.1.1 History of the Banks (World)
…………………………………….
...................92.1.2 History of the Bank (Banking Activity)
……………………………
.................92.2 History of Bank in Nepal
……………………
.................
……
...........................102.2.1 Origin of Bank 
……………………………………
..........................................102.2.2 Present Situation of Banking Industry
…………………………
.....
………..14
 2.3. Meaning of Commercial Bank 
………………………………………
................152.4 Functions of commercial Banks
……………………………………………
..
….15
 2.4.1 Primary Functions
…………………………….....
............................................152.4.2 Secondary Functions
………..…………………………………
................162.4.3 Contingent Functions..........
………………………………….
..................16
CHAPTER III
 
INTRODUCTION TO NEPAL SBI BANK LIMITED
…
.............20-24
 
3.1 Background
……………………………………
.........................
…
..................203.2. Strategic Thrusts of the Organization
………………………………….
.........20

 
6
3.3.Corporate Structure and Design
………………………………………
...............203.4 Branch Network of NSBL
…………………………….
.......................................203.5 Board of Directors
………………………….
.................................................213.6 Management Team..................................................................
................................3.7
Departments of the Organization.............................................................................
CHAPTER IV ANALYSIS OF ACTIVITIES DONE AND PROBLEM SOLVE..20-28
4.1 Customer Service Department.................................................................................4.1.1
Account Opening process and requirements.........................................................4.1.2 Account
closing process and requirements..........................................................4.1.3 Preparing and
distributing
functions.....................................................................4.1.4 Miscellaneous Functions.......................
...............................................................4.2 SWOT Analysis............................................................
...........................................
CHAPTER V CONCLUSION AND LESSON LEARNT...........................................33-58
5.1. Conclusion............................................................................................................5.2. Lesson le
arnt........................................................................................................5.3
Recommendation …………………………………………………
.....................37

 
7
CHAPTER I
 
INTRODUCTION
 
1.1.Background
 
Internship is the part of BBA curriculum as prescribed by the Pokhara University.The curriculum
of BBA is designed in such a way that the course can imparttheoretical as well as practical
knowledge to the BBA students. BBA is a four years bachelor degree program and it is run on
the semester system.The internship during the last semester is a must to complete the BBA
degree.Internship is an eight weeks program designed to provide students an opportunity fora
meaningful career-related experience in a real organizational setting before theygraduate. It gives
the students an opportunity to practice and expand their skills andknowledge learned in the
classroom in substantive work situation. In addition, it willhelp the students earn credit and
increased marketability for the permanent jobsearch while learning more about a specific field
and applying classroom knowledgein a corporate environment. Bookish Knowledge is not as
useful as the knowledgeobtained in the real world. The internship program provides an
opportunity to learnin the real work situation and an experience which can help the students
achievetheir goals.Financial sector plays a crucial role in the development of the economy.
Bankingsector has a central role in stabilizing all the parts of the economy. Banking sectorhas
emerged as a major player in the service industry. With this truth in view theinternship program
is designed to provide banking knowledge to the BBA students.
1.2. Objective of the Study
 For any kind of work or study the objectives must be determined that helps to showthe way to
achieve desired goals. The major objective of internship program is toacquire learning as well as
working experience and gain practical exposure in thereal-life working situation. The main
objective of the program is to analyze theactivities being carried out in the banking industry and
enhance knowledge and practical skills during that period.

 
8
The specific objectives of the internship have been proposed listed below:

 
To analyze the practical implication of theoretical aspects learnt.

 
To be adapted to the real life working environment.

 
To learn about the overall function of different departments of NSBL namelyCustomer Service
Department, Credit Department and Operations in brief.

 
To identify the various services and facilities rendered by bank

 
To develop the communication skills and interpersonal skills by communicating withthe
customers in the CSD.

 
To increase the PR by knowing different people.

 
To learn about customers’ attitude towards the service provided by the bank.
 

 
To learn the process of account opening, account closing, cheque issuing, deliveringof ATM and
its pin.

 
To access the strength and weakness of the branch.

 
To gain the knowledge about E-banking services of the bank.

 
To analyze the position of the bank.
1.3 Methodology
 This report has been prepared on the basis of two months internship experiencegained at
Customer Service Department of Nepal SBI Bank. Interaction with thestaffs and the operational
knowledge gained is the major source of primary data forthis study. Besides, the website of the
bank, previous internship reports and the
 bank’s annual report are the sources of secondary data.
 
1.3.1 Organization Selection
 In order to select organization, I first personally visited and dropped my collegerecommendation
letter and my curriculum vitae at Nepal SBI Branch office,Ghorahi. The bank accepted my
request and I was provided opportunity to do myinternship at Nepal SBI Bank Limited, Branch
Office at Ghorahi.

 
9
1.3.2 Placement
 During the eight weeks of internship, intern was mostly placed in Customer ServiceDepartment
(CSD). However, the opportunity of gaining insight knowledge aboutthe operational process and
other activities of various departments within the branchwas also provided in the bank. The
encouraging and cohesive environment made the process of learning easier.
1.3.3 Duration
 As per the requirement of the BBA Curriculum, one has to complete eight weeksinternship
period in the work place as per their partial fulfillment of BBA programaccording to their
specialization subject. The intern has started the internship periodeffective from 12
th
September to 11
th
December (i.e. 8 weeks). During this periodthe intern came to learn many more about the
working environment, work procedureand culture in customer service department.
1.3.4 List of Activities Performed
 

 
Dealing with customer

 
Account opening

 
Issue of cheque book

 
Assist customer to fill out the account opening form correctly and also obtain allnecessary
document

 
ATM card issuance

 
Filing

 
Providing information about different banking product and services

 
Information dissemination to all customers.

 
Doing various back office work like cheque binding, filing of documents, registerentry.
1.4
.
 Limitations of the Study
 
It was a great opportunity to be an intern in the bank. The knowledge gained duringthe course of
internship was a rare feat. However the internship had somelimitations. The main limitations of
internship are listed below:

 
10

 
Due to lack of time, study of each and every activities of the bank in depth was not possible.

 
Due to privacy policy maintained in an organization, unavailability of informationcreated a
problem.

 
Interns were not allowed to use the system and entered the cash premises.

 
The prime source of information for report preparation was the informal questioningwith the
CSD head and the observation of the activities as well as the activeinvolvement in the activities
allowed to the interns.

 
Busy schedule of organizations staffs made it difficult to share overall knowledgethey have.

 
11
CHAPTER II
 
INTRODUCTION OF BANKING INDUSTRY
 
2.1 Background
 
Bank is a financial institution which deals with the monetary transactions. The majorfunction of
the bank is to accept deposits and providing loans. The bank attractdeposits from various
investors by providing certain rate of interest, and investingthe accumulated funds as loans to
others who are in need of fund by chargingslightly higher rate of interest than they provide to the
depositors. Bank acts as anintermediary who bridges the gap between the savers of fund and the
users of fund.Basically, banks are those financial services especially credit, saving, and
paymentservices and perform the widest range of financial functions of any business firm inthe
economy.Different scholars have defined bank in different ways. Some definitions of bank areas
follows:According to
Walter Leaf 
, “Bank is that institution or individual who is always ready
to serve money on deposit to be returned against the check of their deposits
(savers).”
 According to
  R.S. Sayers
, “Ordinary bank 
ing business consists of changing cash
for bank deposits and bank deposits for cash. Transferring bank deposits from one person or corp
oration to another, giving bank deposits in exchange for bills ofexchange, government bond, the
secured or unsecured promise for businessmen to
repay, etc. “
 Banks are the most important pillars of an economy or economic system. Theyactually do not
create money but they mobilize money
 – 
 which might be termed ascapitalization of money. The ultimate source that creates money
cannot be other thanemployment. Banks derive profit mostly from the differential between the
level ofinterest it pays for deposits and other sources of funds, and the level of interest itcharges
in its lending activities. This difference in referred to as the spread betweenthe cost of funds and
the loan interest rate.

 
12
As pillars economic system, there are entities as a Central Bank, Commercial
Banks,Development Banks and other Financial Institutions.Commercial Banks are financial
intermediaries who raise funds primarily by issuingcheckable deposits (deposits on which checks
can be written), savings deposits(deposits that are payable on demand but do not allow their
owner to write checks),and time deposits (deposits with fixed terms to maturity). They then use
these fundsto make commercial, consumer, and mortgage loans and to buy governmentsecurities
and municipal bonds. Though the main function of commercial bank is tocollect deposits from
the depositors and to invest on profitable sectors by avoidingrisks, these days, the commercial
banks are moving towards the micro financingsectors like; Auto loan, Education loan,
Professional loan, and Housing loan etc, because of low risk and lack of proper and secured
investing sectors.
2.1.1 History of the Banks (World)
 
The history of the word BANK is linked with the Italian word Banco (old one) both
meaning “Desk /Bench”, Greek word Bancus meaning “bench / table” and French
word Banque meaning a bench. Although the original trace to the present word bankin not yet
completely clear, they all mean that those words were intending to pointfor bench.The first
bankers sat behind a little bench on the open street with their money piled
upon the bench in front of them. This was their “bank”, and when their mon
ey waslost, then their bench was said to be broken. They used to exercise themselves in thiskind
of business in the public places of trading cities seated themselves upon formswith benches to
write their letters, count their money, or to draw their bills ofexchange. When they failed, and
became unable to pay their debts, their bencheswere broken as a mark of infamy: from which the
word bankrupt is derived. The
word “bankrupt” is of Italian origin, as in Florence the term bancarotta meant“broken bench”
 hence a bankrupt had his bench broken.
2.1.2 History of the Bank (Banking Activity)
 
The history concept of banking activities deepens its toots to the past when peoplestarted having
their properties. People started the saving concept. People identified

 
13
gold as a means to store their wealth. More the gold you have, wealthier you are thanothers. Thus
the wealth was compressed into the convenient form of gold brings onedisadvantage. Unless well
hidden or protected, it is easily stolen. So there need asafest place to hide gold.In early
civilizations a temple is considered the safest refuge; it is a solid building,constantly attended,
with a sacred character which itself may deter thieves. In Egyptand Mesopotamia gold is
deposited in temples for safe-keeping. But it lies there,while others in the trading community or
in government have desperate need of it. InBabylon at the time of Hammurabi, in the 18
th
 century BC, there are records of loansmade by the priests of the temple. The concept of banking
has arrived.The first regular institution resembling what we call a Bank was established
atVenice, nearly seven hundred years ago. The increase of trade in 13
th
 century Italy prompted the revival of banking. The money changers of the Italian
states developedfacilities for exchanging local and foreign currency. Soon merchants
demandedother services, such as lending money, and gradually bank services were expanded.The
first bank in the world was established in Venice in 1157 AD. Historiansconflict with facts.
Some argue that the Bank of Venice (1157AD) was just achamber of loans and was not a perfect
bank at all. Some believe that the first bankto offer most of the basic banking functions known
today was the Bank of Barcelonain Spain. This bank held deposits, exchanged currency, and
carried out lendingoperations. It also is believed to have introduced the bank check. Three other
early banks, each managed by a committee of city officials, were the Bank of Venice(1157AD),
the Bank of Amsterdam (1609), and the Bank of Hamburg (1619). Theseinstitutions laid the
foundation for modern banks of deposit and transaction
2.2 History of Bank in Nepal
 
2.2.1 Origin of Bank 
 The modern history of banking in Nepal does not have a long history. It is still in itsinfancy
stage. It was flourished after financial liberalization policy adopted in 1980s.While talking about
the actual history, it is assumed that the history, it is assumedthat the history of coinage began
from /around 5
th
 century AD. Around the

 
14
12
th
 century Ad, silver coinage was in practice which made the scope of trade wider.At the end of 14
th
 
century, the term “Tanka Dhari” meaning “Money Dealer” was
used.In 1877 AD, Prime Minister Ranoddip Singh introduced financial and economic
reforms. “TejarathAdda” w
as established at that time to provide credit facilities to
the general public. Credit facility was given by “TejarathAdda” on the basis of
collateral of gold and silver. Government employees would get credit at
ease because government would pay them less to deduct the credit amount. ChandraShamsher
extended the services of TejarathAddaoutside valley. TejarathAddaextended credit facilities to
more and more general public and did not accept depositfrom public. Due to this reason,
TejarathAdda finally faced a crisis. People
started borrowing from money lenders who charged a high interest rate and other dues.
Although “kaushi Tosh Khana” was established during the regime of
PrithiviNararyan Shah, TejarathAdda is regarded as the foundation of modern banking in
Nepal.In 1937, Nepal Bank Limited (NBL) with the co-operation of Imperial Bank of Indiacame
into existence. NBL played dual role of commercial bank as well as central bank until 26
th
 April, 1956, on which date, Nepal Rastra Bank (NRB) wasestablished. NBL was a semi
government bank. Rastriya Banijya Bank (RBB) wasestablished in 23
rd
January, 1966. Nepal Industrial Development Bank (NIDC) wasestablished as a development
bank in 1959 and Agricultural Development Bank(ADB) was established in 1968. Since 1984
the ADB has also been allowed to docommercial banking in selected urban areas with the aim to
mobilize resourcesdomestically and channel funds to the agriculture and rural
sector. Nepal adopted financial liberalization policy in 1984 by amending CommercialBank Act
1974. Liberalization was adopted to welcome private sector in bankingindustry and to increase
competition among them.
2.2.2 Present Situation of Banking Industry
 
Prior to liberalization, at the age of 47 (1937-1984) years of banking industry, therewere only
four players in the industry. They were NBL, RBB, NIDC, and ADB.

 
15
The pace of financial liberalization actually started when the government allowedthe entry of
commercial banks in joint venture with foreign bank. As a reformmeasure initiated in the year
1984, government allowed ADB branches to conductcommercial banking business in the urban
areas. A Credit Information Bureau (CIB)
was established in 1989 under the aegis of Nepal Bankers’ Association with the
objective of disseminating credit information among its member
institutions. Nepal Arab Bank Limited (NABIL) was the first joint venture bank established in19
84 A.D., joint ventured with United Arab Emirates Bank. Then two other banks, Nepal Indosuez
Bank Ltd. (Present: Nepal Investment Bank) with Indosuez Bank ofFrance and Nepal Grindlays
Bank Ltd. (Present: Standard Chartered Bank NepalLtd.) with Grindlays Bank of London were
established in 1986 and 1987respectively. Himalayan Bank Ltd. Joint ventured with Habib Bank
of Pakistan andSBI Bank Ltd. With State Bank of India were established in 1993 A.D.
NepalBangladesh Bank Ltd. With IFIC (International Finance Investment andCommercial) Bank
of Bangladesh was established in 1993 A.D. Bank of Kathmandu joint ventured with SIAM
Commercial Bank Public Co., Thailand was established in1995 A.D. Nepal Bank of Ceylon
(Present: Nepal Credit and Commerce Bank) jointventured with Ceylon Bank of Sri-Lanka was
established in 1996 A.D. Everest BankLtd. Joined hands with Panjab National Bank as a joint
ventured bank in1997 A.D.
2.3. Meaning of Commercial Bank 
 
A commercial bank is a type of financial intermediaries and a type of bank.Commercial banking
is also known as Business Banking. It is a bank that provideschecking accounts, savings
accounts, and money market accounts and that acceptstime deposits. Commercial bank is the
term used for a normal bank to distinguish itfrom an investment bank or retail bank. It raises
funds by collecting deposits
from businesses and consumers via checkable deposits, saving deposits, and termdeposits. It
makes loans to businesses and consumers. It also buys corporate bondsand government bonds.
Its primary liabilities are deposits and primary assets areloans and bonds. Commercial bank is
the oldest bank in the banking history of theworld. In Nepal too, commercial bank in current year
presents a new picture- a picture of wider horizons and of new enterprise.
 
16
In Nepalese context, Nepal Commercial Bank Act 2031 (1974), section 2(a) defines
“A commercial ban
k is one which exchange money, deposit money, accepts deposit,
grants loans and performs commercial banking functions”.
 The commercial bank are those banks which perform all kinds of banking functionsas accepting
deposit, advancing loans, credit creation, and agency functions. Theysupply the financial needs
of modern business by various means. They acceptdeposits from public on the condition that
they are repayable on demand or on shortnotice. All the banks established under Commercial
Bank Act 2031, Company Act2053 and Central Bank 2058 are termed as Commercial Banks
2.4 Functions of commercial Banks
 
The functions of commercial banks are broadly classified into three types, which are briefly
explained below;
2.4.1 Primary Functions
 Collections of deposits under various accounts and issue of loan in different sectorsare the
primary functions of commercial bank .the primary functions are based onthe following
categories:
a.
 
Accepting Deposits
 The first and most important functions of commercial bank are to accept depositsfrom customers
under three different accounts. It maintains fixed at time account,savings Account and current
account to provide banking service to customers. Theamount deposited in bank for fixed period
is known as fixed time deposit. Theamount deposited under this type of account cannot be
withdrawn before maturity.The deposit in this account pays higher interest in comparison to
other accounts.Under savings, customers can deposit as well as withdraw money at any time.
Thisaccount also pays interest but less than that under fixed account. Similarly in currentaccount,
customers can draw money many times in a day according to theirnecessities in which the bank
does not pay any interest to the amount depositedunder this account.
b.
 
Providing Loans
 

 
17
The second important function of commercial bank is to provide various types ofloans in the
field of trade, commerce, and industry and even to agriculture sectors.Commercial banks lend
their money to the needy borrower for short term, mediumterm and long term by charging
different rates of interest. Commercial banks issuecredit under the heading of cash credit,
overdraft, loan and discounting of bills ofexchange etc.
2.4.2 Secondary Functions
 
The secondary functions of commercial bank are also known as agency functions.The bank
charges minimum fees for undertaking these functions. The secondaryfunctions of commercial
bank are as follows;
a.
 
Collections of Credit Instruments
 Commercial banks receive are accept credit instruments such as cheque, bills ofexchange and
bank drafts of customers and make payments against them.
b.
 
Income Receiving and Payment
 Commercials banks receive dividend, interest on debentures and bonds of customers.They also
receive and make payments of insurance premiums, rent and income taxesof their customers.
c.
 
Purchase and Sale of Securities
 Commercials bank purchase and sale the securities like shares, debentures of theircustomers in
stock exchange and other capitals markets.d.
Remittance of money
 Commercials banks remit the money of their customers from one place to another ontheir
request.
2.4.3 Contingent Functions
 
The contingent functions of commercial bank are also known as general utilityfunctions. It
performs the followings types of activities.

 
Safety of valuable goods as gold, diamonds and documents.

 
18

 
Issue of credit instruments such as travellers cheque, letter of credit, draft, mastercards etc.

 
Exchange of foreign currency under the direction of NRB.

 
Publication of monthly and annual journals, bulletins, reports.

 
19
CHAPTER III
 
INTRODUCTION TO NEPAL SBI BANK LIMITED
 
3.1 Background
 
 Nepal SBI Bank Ltd. (NSBL) is the first Indo-Nepal joint venture in the financialsector
sponsored by three institutional promoters, namely State Bank of India (SBI),Employees
Provident Fund (EPF) and Agricultural Development Bank Ltd. (ADBL)through a Memorandum
of Understanding signed on 17th July 1992. NSBL wasincorporated as a public limited company
at the Office of the Company Registrar onApril 28, 1993 under Registration. No. 17-049/50 with
an Authorized Capital ofRs.12 Crores and was licensed by Nepal Rastra Bank on July 6, 1993
under license No.
NRB/l.Pa./7/2049/50. NSBL commenced operation with effect from July 7, 1993 with one full-
fledgedoffice at Durbar Marg, Kathmandu with 18 staff members. The staff strength hassince
increased to 511. Under the Banks & Financial Institutions Act, 2063, NepalRastra Bank granted
fresh license to NSBL classifying it as an "A" class licensedinstitution on April 26, 2006 under
license No. NRB/I.Pra.Ka.7/062/63. TheAuthorized, Issued and Paid-Up Capitals have been
increased to Rs. 2 Arab, Rs. 8.93Arab and Rs. 8.93 Arab, respectively.Bank is one of the largest
joint ventures of SBI, providing banking services throughits 88 offices including 76 Branches, 7
Extension Counters, 1 INTOUCH Outlet, 3Regional Offices and a Corporate Office, network of
113 ATMs (including 2 MobileATMs and 4 CRMs), more than 800 POS machines. Further, with
proposedexpansion plan to reach over 100 offices by this fiscal year and with the roll out ofBLBs
(Branchless Banking Units), we will have coverage to almost all the districtsof the country.
 
In terms of the Technical Services Agreement concluded between SBI and the Bank,SBI
provides management support to the bank through its 3 expatriate officersincluding Managing
Director who is also the CEO of the Bank. A core managementteam viz. Central Management
Committee (CENMAC) consisting of the Managing

 
20
Director, Chief Operating Officer, Chief Financial Officer and Chief Credit Officeroversees the
overall banking operations in the Bank.ADBL divested its stake in the Bank by selling its entire
5% promoter shares to SBIon 14th June, 2009. Consequently, the Bank's corporate status has
undergone changefrom its previous status as a Joint-venture Bank to a Foreign Subsidiary Bank
ofSBI. Presently fifty five percent of the total share capital of the Bank is held by theSBI, fifteen
percent is held by the EPF and thirty percent is held by the general public.
3.2. Strategic Thrusts of the Organization
 
Vision
: The Banker to Every Nepali.
Mission
: My Nepal SBI Bank: My customer First, My Nepal SBI Bank: First inCustomer
Satisfaction.The overall strategic goal is to build an open and honest corporate culture and
todevelop mutually beneficial relationship with all the stakeholders and create valuefor them.
Nepal SBI Bank Limited aim to reach strategic goals by:

 
Caring for customer 
s’ evolving needs and expectations by providing suitable and
tailor -made products and services.

 
Creating a great environment to work in.

 
Practicing exemplary governance and accountability.

 
Working harmoniously and in mutual co-operation with the business partners.

 
Ensuring reasonable returns on investment for the shareholders.

 
Investing in local communities in which the bank operate, for the benefit of societyat large.
3.3.Corporate Structure and Design
 The Board of Directors (BOD) is composed of seven members consisting fourmembers
nominated by SBI, two members elected as representative of
general public from Annual General Meeting (AGM) and a member nominated from EPF.Beside
s the BOD, there is provision of Central Management Committee (CENMAC)which consists of
Managing Director (MD), also nominated Board Member from

 
21
SBI, Chief Operating Officer (COO), Chief Financial Officer (CFO) and ChiefCredit Officer
(CCO). The overall management of the bank is conducted by theBOD and CENMAC. The
corporate structure has been presented annex 1.
3.4 Branch Network of NSBL
 The corporate office of NSBL is situated at Hattisar, Kathmandu. The bank has alltogether 56
branches all over the capital and also all across the country and also inIndia which makes the
network of the bank its biggest strength. At present there are17 branches in the valley and 33
branches out of the valley. Detail of the brancheswith their location is shortlisted in annex3.
3.5 Board of Directors
 The Board of Directors of NSBL is listed in the table below
Table no.3 Board of Directors
 
Position
 
Name of positionholder
 ChairmanMr.Sujit Kumar
VarmaDirector Mr. R.S. RameshDirector Mr. Arjun KumarGautamDirector Mr. Keshav RajAch
aryaDirector Mr. Bala KrishnaShresthaManagingDirectorMr. Anukool Bhatnagar
 
22
3.6 Management Team
 
 NSBL is under the management of pure professional. The team consists of managersacting as
head of different departments. In pursuing their own task they superviseand coordinate all their
subordinates. They mould the efforts of the team onachieving the overall goal of the
organization. Board of directors formulates thevision, mission statement and objectives for the
organization and the managers ontheir part are engaged in devising an action plan to achieve
those objectives. NSBLhave a centralized type of management because all the decisions are
taken by the topmanagement.
Table no: 4 Management team
 
Name
 
Designation
 Mr. AnukoolBhatnagarManaging DirectorMr. Dev RajAdhikariChief Credit OfficerMr.
SubhakantaKanungoChief Operating OfficerMr. PriyaRanjanChief Finance OfficerMr. Chhapi
RajPantChief Risk Officer(Source
:- nepalsbi.com)
 
3.7 Departments of the Organization
 
1
 Customer Service Department(CSD)
2
 Bills & Remittance Department(RMT)
3
 Customers Relations Department(CRD)
 
23
4
 Credit Control Department(CCD)
5
 Credit Administration Department (CAD)
6
 Trade Finance Center (TFC)
7
 International Banking Department (IBD)
8
 Administration Department
9
 Legal Department
10
 Treasury Department
11
 Human Resource Department
12
 Reports & Reconciliation Department
13
 General Service Department
3.8 Products and Services of Nepal SBI Bank Limited
  NSBL is growing up in terms of tenure of its operation. A lot of investment of bothtime and
capital has been put into bring innovative products and services that catersthe need of its
customer. The product and services offered by the bank are asfollows:1.
 
Deposit products
  NSBL has introduced various personalized products and services that harmonizeddifferent
banking requirements of its customers. Designed with arrays of features,deposit products of
NSBL are one of the best in the market. The deposit basecomprises of various types of
depositors ranging from general public, businesshouses to institutional depositors. NSBL tailor
made and personalized deposit
 products and services meet the needs in today’s fast paced and competitive business
world. The services are characterized as being easy, secure and attractive
modern banking facilitates that provides high returns to the surplus fund, makes personal bankin
g convenient and efficient thus diversifying the portfolio to best suit theinvestment plan.At
present the following deposit services are provided by NSBL:

 
24

 
Swarnim Bachat(Daily Balance Saving)

 
Ujjwal Bhavisya Bachat Yojan (Recurring Deposit)

 
Indreni Bachat

 
Provident Fund Account For Permanent Staff Of Organization

 
Simple Saving Account

 
Swastha Bachat Khata

 
Baristha Nagarik Bachat Khata

 
Vishesh Khata

 
Karmachari Bachat Khata

 
Current Account

 
Mahatma Gandhi Account

 
Dhanabridhi Account

 
Fixed Deposit2.
 
Loans and Advances
 

 
Education Loan

 
Auto Loan

 
Home Loan

 
Mortgage Loan

 
Mortgage Plus loan

 
Doctor Plus Loan

 
Teacher Plus Loan

 
SME loan for Small and Medium Enterprises

 
Cash credit

 
Project Term Loan

 
Demand Loan

 
Trust Receipt Loan

 
Pre shipment Loan

 
Other Commercial loan

 
Loan against FD

 
25
3.
 
Other Services
 Prepaid CardOnline Banking System

 
E-banking

 
SMS bankingUtility Bill Payment Service

 
 NTC Bill Payment

 
UTL Bill Payment

 
LIC Insurance Premium

 
Accounts Department

 
Clearing

 
Transfer

 
Cash

 
Reconciliation

 
26
CHAPTER IV
 
ANALYSIS OF ACTIVITIES DONE AND PROBLEM SOLVED
 
This chapter mainly focuses on the activities performed by the internee during theinternship
period. For the whole internship period internee was placed in CustomerService Department.
However the opportunity to work under different departmentwas very fruitful for the internee as
the internee got an overview of the entire majortask undertaken at respective department even in
short span of time. The generalactivities for an internee at the customer service department was
opening account ofthe customer, distributing ATMs, issuing cheque book, and providing
variousinformation about the products to the customers.
4.1 Customer Service Department
 
Customer Service department is a primary level department that generally deals withcustomers
directly and regularly. This department is basically directed
towards providing the surface level assistance to the customers i.e., to provide generalinformatio
n about banking system, product and services provided by the bank. Thedepartment is
responsible for providing the basic materials like deposit vouchers,cheque book, bank statement,
balance certificate, cards.Customer Service department is the face of bank. Customer Service
department isthe place where customer initially interacts with the bank. customer service
expandsclient focus to include everything that happens within and around the bank, from theway
staff greet clients, to the atmosphere in the waiting room, to the matter in whichclients complains
are handled.The very first thing that the people seek in the organization is the prompt service
andthe person at the customer service desk properly handles them. The people at thecustomer
service desk must be ready to sort out every problem at any moment. Thecustomer service
division can answer questions, resolve problems, and help youestablish new accounts and
services, and providing information on products, forms,and publicationsThe increasing
competition in the banking sectors demands more
service proliferation, which would satisfy the demand of the customers. Banks and other

 
27
financial institution are introducing more and more innovative services such asATM, debit card,
internet banking, locker services and various other services fortheir customers to serve them
more efficiently and effectively. Customers seek inorganization the prompt service and the
person at the customer service desk properlyhandled them. The people at the customer service
desk must be ready to sort outevery problem at any moment. A customer is the most important
visitor on the business premises.Customer Service Department or CSD is oriented towards
handling customer queriesand grievances. Remaining in this department Intern tried to grab the
overall generalinformation about different departments and procedures of activities related to
them.Actually, it is the most appropriate department for intern because all the customers atfirst
come to CSD to get the information of anything they need to do with bank.Staffs who stays in
the CSD need to have the general information about all thedepartments and their procedures. The
major and the interesting task in CSD isdealing with customers. Different faces with different
quires, interest and perceptionmakes the counselling more interesting and challenging too. The
important task theintern learnt at this department can be described as below:
4.1.1 Account Opening process and requirements
 
Any individual capable to enter into a contract can open accounts with the bank.
Lunatics’ insolvents, drunkards cannot enter into the contracts. Naturally, they
cannot be the account holders. Illiterate persons, blind trustee can open a
accounts but special attention should be paid to customers. Likewise, bank open accounts in
the name of minors but they have to be operated by guardians till “minors turn intomajors”.
There are various types of individual accounts such as: Pe
rsonal NPRAccount, Personal USD account and can open a account in all convertiblescurrencies
directed by NRB (For Nepalese and Foreign Citizen) and Joint NPRAccount.Basic requirement
for opening the personal account

 
Customers name, gender, marital status, date of birth, permanent and temporary
address (phone number), father’s name, grand father’s name or husband’s name, and

 
28
all other relevant detail filled in the account opening form correctly by theaccountholder.

 
Agree with the terms and conditions of the bank.

 
Sign the specimen cards.

 
Certified true copy of identification document i.e. citizenship or Passport and BirthCertificate in
case of minor account, and registration certificate as an Indian citizenfor Indian.

 
Two photograph of account holder and if the account holder wants the debit cardthen one extra
photo for Debit Card.

 
Utility payment bills required (ie, NEA bill, drinking water supply bill, Nepaltelecom bill, etc).

 
Introducer required to the applicant.In case of Joint Account

 
The account holder should present in the business desk during the time of accountopening.

 
Agree with the terms and conditions of the bank.

 
Fill in the applications form correctly by the customer.

 
The citizenship of the parties involved in the joint account must be presented.

 
Two photographs of each party involve in joint account.

 
The account holder should decide on the signature that is either one signature isacceptable or
both signatures are compulsory.In case of Foreign National

 
Certified true copy of Passport.

 
Documents should be certified from concerned Embassy.

 
Certified True copy or valid Visa.

 
All documents of personal account for all the joint parties.After ascertaining completion of basic
requirement, the bank assigns an accountholder, accepts deposit slip (voucher) and issues a
chequebook.In case of Limited Companies

 
29

 
Certified copy or exact of the Resolution of the Board of Directors and authorizedsignature
certified by chairperson or secretary.

 
Copy of Memorandum of Association and Articles of Association.

 
Copy of Certificate of Incorporation.

 
Document disclosing the name, surname, and address of the members of Board ofDirectors.

 
Photographs of the members of Board of Directors.In case of Proprietorship / Partneship
accounts

 
Registration certificate

 
Tax registration certificate (PAN)

 
Copy of identification of all signatories

 
Document evidencing residential address of signatories, directors, beneficial owners.

 
Passport size photos of signatories.

 
Resolution from board of trustee/ authorized personnel
Process of opening new account
 After fulfilling the requirement of the issued account opening form and customerinformation
form by the customers, it is received by the CSD. Then, thoroughchecking and verification are
done to see any discrepancies. Once the verification is
done with the original documents, a stamp stating “VERIFIED WITH ORIGINAL”
is affixed on the photocopy of all the supporting documents. The signature for theaccount
operation and image of the accountholder is scanned and kept along with the
customer’s detail in the FINACLE software. Finally all these details are taken to the
operating head for verification and approval.
4.1.2 Account closing process and requirements
 It is another important task done under account operation. It is very rare that youencounter a
account closing request at the customer desk at NSBL. People closetheir accounts because of
many reasons but the major reason that I got to know was

 
30
the customer is going somewhere out of the country and the increased number ofcompetitors in
the area and sometimes due to their personal problems.
Procedures to close an account are given below
 Step1. The customer is asked the reasons for closing the account and tries toconvince not to
close the account by explaining the benefit of the account and thecharges taken for closing the
account.Step2. If the customers are willing to close the account must fill up the formspecifying
the reason.Step3. After submission of the form to CSD it is confirmed from the
variousdepartment that the customer is not enjoying and sort of facility from the bank
at present.Step4. The client is then asked to return all his account related belongings like
ATMcards and the check book. These are received by the teller and are cancelled
ordestroyed.Step5. Then finally the account of the applicant is closed with certain charge
4.1.3 Preparing and distributing functions
 Another activities performed in the customer service department is preparing anddistribution of
various requested document to the clients. Various documents that aclient can get from this
department on requested are:

 
Balance Certificate

 
Cheque Books

 
ATM Cards

 
Account Statement

 
E-Banking user id

 
SMS Banking
a. Balance Certificate Distribution:
 Mainly the balance certificate is demanded by the corporation to know the status oftheir account
and present to the Board of Directors meeting. The bank provides the

 
31
certificate to only the account holder after the request form has been filled up andsubmitted to
CSD. The bank provides the certificate to the corporation if the letterabout the request certificate
presented in the letter head with the signatures of themembers and the stamp of the corporation.
The statement can be issued to anindividual also by fulfilling the same process.
b. Cheque Book Distribution
 Clients, especially the ones holding current account in the bank request for thecheques book
quite often. The client has to fill up the cheque request slip availablein the customer department.
After the submission of the request slip, the cheque book is then provided to the requester the
next day. The account holder must presentto collect the cheques book and sign in the register and
requisition slip.
c. ATM Distribution:
 The ATM card of NSBL is linked with the Visa Debit Card. They can use this cardin various
ATM counters all over the country and in India as well to withdraw cashand even for other
activities like balance inquiry, pin number change, etc. The processes of distributing the ATM to
the customer are as follows:

 
For collecting the ATM card the account holder must be present in the business deskwith the
account number

 
Check whether the ATM card has received by the bank or not.

 
The account holder must sign in two register that is card number register and ATMdelivery
register. Then the signature is verified with the original signature providedduring the time of
account opening.

 
After the verification of ATM card is provided to the account holder and informabout the
activation of the card.
d. E-banking user id Distribution:
 The account holder can use the internet facility to know about the balance,statement, fund
transfer, etc. The official website of NSBL is
www.nepalsbi.com
.
np.
The account holder must fill the form of internet banking andrequest for the password, codes,
etc.
e. SMS Banking Distribution:
 

 
32
The account holder can use the mobile facility to know about the balance, statementetc. The
account holder should go to their message box and write the code given bythe bank send it to
four digits given by the bank itself. The account holder must fillthe form of sms banking and
request for the codes.
4.1.3 Miscellaneous Functions:
 

 
Cheque book binding

 
Making entry on registers

 
Filing the documents

 
Complain handling

 
Updating the records
4.2 SWOT Analysis
 SWOT analysis is one of the major tools for analyzing organizational internal aswell as external
environment. The internal environment provides strength andweaknesses whereas the external
environment provides opportunities and threats tothe organization. Thus, the organization uses
its strength to grab opportunities andminimize threats. Most of the organizations use this tool to
formulate plan, policies,and strategies for achieving goals.The SWOT analysis of Customer
Service Department of NSBL, Ghorahi can belisted as follows:
Strengths

 
Use of advanced technology

 
Efficient management system

 
Diversified product and service offered

 
Highly experienced, efficient, hardworking, professional staffs

 
Quality work culture leading to superior and prompt customer service

 
Better image and established brand name in the market

 
33

 
 NSBL uses one of the latest banking software called ‘FINACLE’, which makes
itsservices more efficient and effective

 
 NSBL has banking network not only through the country but also in India by whichcustomers
can easily access its services
Weaknesses
 

 
Low interest rate on deposits

 
Late distribution of ATM cards

 
Less number of deposit services as compared to other banks
Opportunities
 

 
Raising awareness of general public towards modern banking products i.e. ATMs,internet
banking etc.

 
Opportunity to inter into the new and profitable segment of the market by expandingits networks

 
Opportunity to attract large number of customers by promoting its brand name andgoodwill in
the market.
Threats
 

 
Tough and unfair competition

 
Political instability

 
Changing rules and regulations of NRB

 
34
CHAPTER V
 
CONCLUSION AND LESSON LEARNT
 
5.1. CONCLUSION
  NSBL is one of the leading banks in Nepalese financial industry. NSBL, as a pioneerin
introducing many innovative products and marketing concepts in the domestic banking sector,
represents a milestone in the banking history of Nepal as it started anera of modern banking
either customer satisfaction measured as a focal objectivewhile doing business. Today NSBL
holds one of the strongest networks, network inand outside Nepal compared to other financial
institutions of Nepal. NSBL has focuson customer satisfaction by providing highly acclaimed
services. NSBL has goodcooperation within and outside organization. NSBL has succeeded to
maintain goodculture and discipline in organization.The internship at NSBL Bank helped intern
to gain in-depth knowledge about realworking environment, interpersonal and communication
skills, organizationalculture and behaviour, professional qualities and team building spirit as well
asworking principles of commercial banks. Besides, observing and learning thevarious activities
in the different departments, intern performed the various task.During that period, intern found
that costumers are the key focus and greatest assetof the bank. Thus, the bank always focused to
maintain long term relationship withcustomer and retain them by providing better services.
Employees are directly linkedwith these customers so employee must behave in decent and
peaceful way.Similarly, proper coordination and cooperation among all departments is needed
forgrowth of organization.During the internship period intern got chance to get familiar with the
activities performed in Customer Service departments. The process of issuing balancestatement
and balance certificate and process of issuing new card to the customerswhose cards had been
expired were learnt. In this course intern got an opportunity toassess the requirements in a
cheque, deposit slip, account opening form, accountclosing, the various information revealed by
balance statement, the need of balancecertificate, the requirements of dispatching new cards to
the expired card holders and

 
35
much more. Overall, the internship program has been really very fruitful inenhancing the
practical knowledge of the intern.
5.2. LESSON LEARNT
 Knowledge of both theoretical and practical aspects and exposure in the practicalfield is must to
be competitive in this world. Real work setting is a diverse situationthan the classroom leaning
scenario, as we enter into real work setting there arisenovel problem, difficulties and challenges
which make the person more dynamic andenthusiastic. While dealing with the complexities we
develop the interpersonal andcommunication skills which further shape our
personality.Theoretical knowledge is not enough to know anything in a complete sense. For
this practical exposure is quite essential and program like internship grants suchopportunity.
During the internship period, one gets acquainted with various lessonsand practical knowledge
which could be basic for ones career development. In thedue period I got familiar with general
banking activities, banking transactions,clerical works and operations of office equipment,
customers handling techniques,various problems that may arise in bank, the importance of
motivating factor, officelayout, maintaining relations with staffs etc. Beside these superficial
lessons I got anopportunity to learn various below mentioned lesson too:

 
Learned the importance of the proper organization culture and its effect on
the professional working environment. The culture is comprises with communicationskills, team
work, well-mannered behaviour, and the degree of social and professional environment between
the employees as well as with the customer.

 
Learned how to deal with varieties of people and their queries and providingappropriate
information to the customers.

 
Learned to communicate effectively with the people improving inter-personal skills.

 
Learnt the importance of relation between clients and bank.

 
Acquired knowledge about the different types of services provided by the CustomerService
Department (CUSTOMER SERVICE DEPARTMENT).

 
36

 
Learned account opening procedure, statement printing, account closing, chequeissuing, ATM
Card and ATM Pin issuing procedures.

 
Realized the work pressure at the time of performing tasks.

 
Experienced the importance of time factor in bank for both customer and employee.

 
Experience that for positive result the coordination between employees of differentlevel is
important.

 
The customers are the main drivers of any organization so they should be well served
with efficient and effective services. Customers’ attitude towards bank should
always be positively maintained.

 
The degree of socialize environment of any organization determines the effectivenessand
efficiency of any organization.

 
Misbehavior of any personnel adversely affects the organizational image whereasmannerly and
polite behavior as well professional behavior of employee positivelyeffects the customer reaction
toward the organization.

 
Motivated staffs are proved to be valuable assets of organization.

 
Develop the interpersonal, managerial and entrepreneurial skills that are crucial inevery
professionals and employees career development.

 
Learned to deal with different people at different point of time.

 
Learned to be calm under the adverse conditions and tactfully handle the complexitiesand to
handle the grievances.

 
Learned the importance of displayed emotion on the work place.
5.3 Recommendation

 
Many customers were not satisfied by the technical errors that occurred on daily basis on ATM
booths and web based services
 

 
 New way to motivate staffs as well as the customers. For example, rewardmanagement,
recreational activities, training etc. The staff needs more motivationfor bringing the accounts and
loyal customers to the organization.

 
37

 
Customers were seen unknown about the schemes; hence bank should conduct such programs to
let customers know about the new schemes and development programs.

 
Staffs were seen bored because of untimely organized lunch time, which iforganized well or
some cafeteria built within organization premises will add energy.

 
Management department shall be made bit stronger.

 
The bank needs to be more concerned about functioning of ATM as it may be out ofservice time
to time.

 
Door to door marketing concept is not yet used by the branch so it should take somesteps
towards it to increase the follow of customer.

 
Investing huge amount in only one title is not secure so the amount of loan must beallocated and
distributed by analyzing possibility of risk.

 
Bank's staffs should focus on customer's feedback which will be helpful to performwell more in
future.

 
Delay in providing ATM card and cheque that created lots of dissatisfaction amongcustomers.
So, the bank should try to avoid it and cheque printing should be done in branch.

 
To increase the productivity of the staff follow the job rotation, job enrichmentwhich also reduce
the high turnover, boredom & absenteeism.

 
More branch should be opened as possible, especially in the village & remote areas,so that the
more deposit can be collected by satisfying customers.

 
The bank staff should provide the actual information and data to the interns forreport writing.

 
38
BIBLIOGRAPHY
 
Books and Annual Report
 Manandar ,K.D.& Pokhrel ,S.B. (2012).
  Marketing financial services .
KathmanduBuddha Publication Nepal SBI Bank Ltd. (2017/ 2018). Annual Report . Kathmandu:
NSBIThapa, K. (2010).
  Financial institutions and market 
 . Kathmandu; AshmitaPublication.
Websites
 
www.nepalsbi.com.np
 
www.nrb.org.np
 

 
39
ANNEX:1.1 List of Commercial Banks in Nepal
 
S.No
 
NAME
 
OperationDate(A.D.)
 
Head Office
 1 Nepal Bank Ltd. 1937/11/15 Dharmapath,Kathmandu2 Rastriya Banijya BankLtd.1966/01/23
Singhadurbarplaza,Kathmandu3 Nabil Bank Ltd. 1984/07/16 Kantipath, Kathmandu4 Nepal Inve
stment Bank Nepal Ltd.1986/02/27
Durbarmarg,Kathmandu5 Standard Chartered BankLtd.1987/01/30
Nayabaneshwor,Kathmandu6 Himalayan Bank Ltd. 1993/01/18 Thamel, Kathmandu7 Nepal SBI 
Bank Ltd. 1993/07/07 Hattisar, Kathmandu8 Nepal Bangladesh BankLtd.1994/06/05
Nayabaneshwor,Kathmandu9 Everest Bank Ltd. 1994/10/18 Lazimpat, Kathmandu10 Bank of K
athmandu Ltd. 1995/03/12 Kamaladi, Kathmandu11 Nepal Credit andCommerce Bank
Ltd.1966/10/14
Siddharthanagar,Rupandehi12 Lumbini Bank Ltd. 1998/07/17 Narayangadh, Chitwan13 Machha
puchhre BankLtd.2000/10/03 Prithivichowk,Pokhara,
Kaski14 Kumari Bank Ltd. 2001/04/03 Durbarmarg,
 
40
Kathmandu15 Laxmi Bank Ltd. 2002/04/03 Adarsanagar, Birjung,Parsa16 Siddhartha Bank Ltd. 
2002/12/24 Kamaladi, Kathmandu17 AgriculturalDevelopment Bank Ltd1968/01/02
Ramshahpath,Kathmandu18 Global IME Bank Ltd. 2014/03/02 Birjung, Parsa19 Citizens BankI
nternational
Ltd.2007/06/21 Kamaladi, Kathmandu20 Prime Commercial BankLtd.2007/09/24 Newroad, Kat
hmandu21 Bank of Asia Nepal Ltd. 2007/10/12 Tripureshwor,Kathmandu22 Sunrise Bank Ltd. 2
007/10/1 Gairidhara,Kathmandu23 NMB Bank Ltd. 2008/06/05 Babarmahal,Kathmandu24 Janat
a Bank Nepal Ltd. 2010/04/05 Newbaneshor,Kathmandu25 Mega Bank Nepal Ltd. 2010/07/23 K
antipath, Kathmandu26 Civil Bank Ltd. 2011/03/10 Kamaladi, Kathmandu27 Century Commerci
alBank Ltd.2012/02/15 Putalisadak,Kathmandu28 NIC Asia Bank Ltd 2013.06.30 Kathmandu
 
41
(Source:-
nrb.org.np
 as on mid April, 2017s
ANNEX:1.2 Nepal SBI Bank Limited Branches
 Bhaisepati
MaharajgunjBhaktapur New BaneshworBoudha New RoadCommercial Branch Patan , Jawalakh
elDallu SinamangalDurbar Margh Main Branch TekuGaushala
ThamelGongabu Embassy of India Ext. counter ,LazimpatGwarko BGSN Ext. Counter , Thamel
Kalanki Indian Visa Service Center,LazimpatCorporate Office, Hattisar
Eastern Region Branches (10 branches, 1ext.counter,1 administrative office)
 Biratnagar LahanBirtamod MyanglungDamak Phidim
 
42
Centeral Region (ex Kathmandu valley) Branches (6 branch , 1 ext . counter)
 Birgung RampurHetauda RatnanagarJanakpur CCG Ext.counter , Birgunj Narayangarh
Western Region Branches(14 branches, 1 ext. counter)
 Abu Khaireni ParasiBesisahar PokharaBaglung SandikharkaBhairahawa
ShishuwaButwal Sirjana ChowkDamauli WalingGulmi Pension Paying Office , PokharaPalpa
Mid
 – 
Western region Branches (3 branches, 1 admistrative office)
 Dang SurkhetDharan Pension Paying Office, DharanIllam Regional Office , BiratnagarItahari
 
43
 Nepalgunj Regional Office , Nepalgunj
Far
 – 
 Western region branches(3 branches)