In just four months of the current financial year, banks and financial institutions have provided an additional 17.67 billion rupees in share loans. Compared to the four months of the last financial year, the share loan disbursed during the same period of this year is 19.6 percent more.

In the last four months of the financial year, the growth rate of share loans increased by 6.4 percent. Equity loans have been increasing since the beginning of the current financial year. But the share market has not increased in proportion to the increase in share loans. Santosh Mainali, the former chairman of Stockbrokers Association, said that the positive effect of the increase in loans was not seen in the NEPSE index because more money than the amount of money that came in the name of share loans, was taken out of the stock market through share sales and capital tax.

"It seems that share loans have increased in the last month, so the demand for shares in the market should increase, but that is not visible," he said, "as the demand for shares has not increased as the loan has increased, the overall NEPSE has not increased as expected." 

According to the data of Rashtra Bank, until last November, share loans between 25 and 50 lakhs have increased by 6.9 percent and loans below 25 lakh rupees have increased by 3 percent. During the same period, loans of more than 1 crore rupees increased by 27 percent and loans between 5 million to 1 crore rupees increased by 10.9 percent, according to the monthly report of Rashtra Bank. 

By October 2081, loans of less than 2.5 lakhs increased by 4.8 percent, loans between 25 and 50 lakh rupees by 8 and loans between 50 lakh and 1 crore increased by 0.5 percent. Similarly, the data of Rashtra Bank has increased by 7.7 percent in the 4 months of the last financial year.

There is more liquidity in the financial system since last financial year. Interest rates are continuously falling while loan demand is very low. That's why now banks are asking share investors to take loans. National Bank data shows that even small investors have taken loans from banks. However, a former chairman of the Stock Brokers Association said that investors are confused as to why the market could not grow.

is an increase in investor confidence through positive signals (news) needed to increase the market. Looking at the nature of transactions in the stock market in recent days, it seems that investors have increased their investment. But investors have seen no signs of positive hope in the long-running declining market. The market has not been able to grow as expected due to the change in the government's coalition and no change in the policies of the government and the National Bank.

Most of the necessary foundations for the stock market to grow are ready. Like – liquidity is sufficient, interest rates are falling. As there is no further decline in the stock market, there is no margin call from the bank," said the official, "However, the ministers of the new government have been saying that the stock market is their priority. According to their statement, there has been no policy reform.

Therefore, he said that positive motivation is needed for the growth of the market now. "There may not be a major policy change for such motivation, but there may be policy changes that give a positive message," he says.

Another stock investor said that the stock market will be affected by the state's policies and the NEPSE index, which measures the share turnover, has not increased due to strict policies in recent years. Since the beginning of the financial year 2081/82, banks and financial institutions are bringing various offers on small and large share loans due to the ease of liquidity.