About 1 trillion 20 billion loans of banks and financial institutions have been affected by the demonstration on August 23 and vandalism on August 24. According to the data collected jointly by Nepal Rastra Bank and the umbrella organizations of banks and financial institutions, it has been seen that loans equal to the mentioned amount have been affected. Sources said that more than 95 percent of this is due to commercial banks.

During the demonstration, 873 debtors' industries, businesses, and establishments were directly affected and it is estimated that 37 billion rupees worth of damage was incurred. As the same borrower has taken loans from more than one bank, some of the mentioned number of loans have been duplicated . Sources have said that if the number of duplicates is reduced in this way, the affected borrowers will be around 600. Also, some industrial businesses that have suffered huge losses in the agitation have not taken loans from banks. Even taking a loan is very little. Because of this, experts say that it will be difficult to find out how much damage has been done in the movement only through bank loans.

There are about 19 lakh 70 thousand debtors in Nepal. Based on this, the number of debtors affected by the movement is insignificant. Although there are more than 1.9 million borrowers in Nepal, the number of borrowers who take more than 1 crore loans is only 3 percent. The remaining 97 percent of borrowers are small. It is said that big debtors were affected in the agitation, especially because of arson and vandalism in large industries and businesses.

Apart from this, 52 branches and 73 extension counters, 100 ATMs of banks and financial institutions were vandalized and set on fire. The vandalized branch suffered minor damage. Mainly, the extension counters in the government institute premises have been damaged a lot, in which only the glass of the window has been broken and some have been set on fire. In the

demonstration, it has been found that 50 million 15 million rupees and 17 thousand 945 grams (about 18 kg) of gold were stolen from the Baneshwar branch of the National Commercial Bank. The branch office of the National Commercial Bank in the Parliament Building premises was vandalized and looted. The bank says that the gold in the loan collateral has been stolen .

Rashtra Bank Governor Vishwanath Paudel claimed that although some branches and ATMs of banks and financial institutions were vandalized, there was no major damage in the financial sector. He has been publicly saying that 50 crores and 18 kilos of gold were stolen from the Baneshwar branch of the National Commercial Bank.

According to Pawan Regmi, the information officer of the bank, the gold in the customer's locker is safe. "The gold in the loan collateral has been looted, it has been insured," said Regmi. Restructuring and rescheduling of loans to borrowers directly affected by the movement, loans at low interest rates to pay salaries to employees, and 2 percent interest subsidy from the government on such loans has been facilitated by the Rastra Bank. Credit restructuring and rescheduling facilities have been provided to industries, businesses, businesses, establishments and other debtors directly affected by the unusual situation created during the demonstration. At the request of the borrower, the National Bank has given the facility to reschedule or restructure the loan subject to the specified conditions after ascertaining the effect.

According to this, such rescheduling or restructuring should be done by the end of December 2082. The National Bank has also asked the banks and financial institutions to classify the rescheduled or restructured loans in the same category as at the end of June 2082 and maintain the loan loss system. Borrowers with forward/backward linkages with the lending institutions directly affected by the unusual circumstances created during the

performance have also got loan rescheduling and restructuring facilities . But they will have to pay 5 percent of the outstanding interest. Industries, businesses, commercial establishments directly affected by the abnormal situation created during the demonstration will get loans at cheap interest rates to pay their employees. In order to ensure the employment of the employees working in the affected organizations and establishments, the National Bank has instructed the banks and financial institutions to give cheap loans to the employing organizations and establishments.

The industries that export at least 25 percent of the total production by providing employment to at least 100 women and adding at least 25 percent value will also get loans at cheap interest rates. For such loans, the National Bank has asked banks and financial institutions to maintain the interest rate of loans by adding a maximum of 1 percentage point premium to their base rate. If you take a loan to replace the vehicle damaged during the demonstration, up to 80 percent of the value of the vehicle will be loaned.

"The loan-to-value ratio can be maintained up to 80 percent when loans are provided to replace damaged vehicles and transport vehicles that are being used commercially in industries and commercial establishments directly affected by the movement," the circular said.