Karja Suchana Kendra Limited is one of the oldest Credit Information Bureau in the SAARC region and was established in May 1989 with the sole objective of restraining the growth of the Non Performing Assets of the Banking and Financial sector of the country that was increasing alarmingly during the period. Later, it got registered as the Company in 2004 under the Company Act 2053 and started its operation as the independent and autonomous entity from March 2005. It operates through provisions made in NRB Act 2058, Article 88. It is a public limited company with banks and financial institutions holding majority of equity (90%) while the rest (10%) is held by Nepal Rastra Bank. KSKL currently has 69 promoter shareholders including 21 commercial Banks, 4 Development Banks, 43 Finance Companies and Nepal Rastra Bank.




Karja Suchana Kendra Limited is the prime organization in the country which acts as the repository of credit information of the consumer and commercial borrowers of all the banks and financial institutions. We collect, collate and disseminate credit information to assist our members in their credit approval process and at the same time, protect every consumer's credit profile, by providing objective and factual information. With strong membership base of 201 banks and financial institutions, KSKL collects hundreds of updated borrowers' profiles every day uploaded by its members through its secured online network. The data thus collected are made to undergo through various layers of processing engines before finally updating the borrowers' master records in the database. The updated credit reports are then sent to credit grantors for their credit assessment process.


  • The Borrowers will have faster and easier access to credit and are entitled for reduced cost of borrowing in case of demonstrated credit performance.
  • For Small and Medium Enterprises, it reduces the high risk perception among lenders, reduces the cost of borrowing and gives them the faster and easier access to credit.
  • Banks and Financial Institutions are benefited in terms of increased market penetration, increased operating efficiencies, shift to information based lending, comprehensive risk review of clients and setting up differential pricing based on payment behavior.
  • For Regulator, it helps reduce non performing loans and default probability levels in the economy, provides credit risk monitoring mechanism and facilitates credit expansion without increasing risk.