Home » Posts » Nepal » [Updated List] Class A, B, C & D Banks & Financial Institutions in Nepal with Paid-up Capital in 2021

[Updated List] Class A, B, C & D Banks & Financial Institutions in Nepal with Paid-up Capital in 2021

Looking to find more about banks and financial institutions in Nepal?

This blog post has been developed to present all the information about the banks and financial organisations in Nepal.

This is a detailed list of all the banks and financial institutions in Nepal in 2021 with their updated capital.

In this post, you’ll find the complete and updated list of all classes of banks and financial organisations licensed by Nepal Rastra Bank (NRB).
You’ll also find the date of establishment of all the organisations, their head office locations paid-up capital and even the SWIFT code!

This list gets updated frequently to make sure the contents and details listed are accurate at the time you are reading.

  • All the information presented hereunder are as of Mid July 2021, as per the last list released by Nepal Rastra Bank.
  • If you see *, this means the date of operation after a joint merger.
  • paid-up capital is in NRS in Crore

Categories of banks and financial institutions in Nepal

Nepal Rastra Bank has classified and licences banking and financial institutions into four types identified by classes.

ClassTypeTotal number
(as of mid-July 2021)
A classCommercial banks27
B classDevelopment banks18
C classFinances15
D classMicro finances70

Apart from the above-mentioned classes, NRB issues licences for infrastructure development banks and higher purchase companies.

Tabular list of A-class banks in Nepal

Currently, there are 27 (twenty-seven) A class banks in operation in Nepal according to Nepal Rastra Bank (NRB).
In this post, the details of these A-class banks are presented with their operation date, head office location, their total paid-up capital and Swift Code.

S.No.Name of the bankOperation Date (A.D.)Head OfficePaid-up Capital
in NRS Crore
SWIFT Code
1Nepal Bank Ltd.1937/11/15Dharmapath, Kathmandu1263.68NEBLNPKA
2Rastriya Banijya Bank Ltd.2018/05/02*Singhadurbarplaza, Kathmandu918.49RBBANPKA
3Agriculture Development Bank Ltd.1968/01/21Ramshahpath, Kathmandu1642.26ADBLNPKA
4Nabil Bank Ltd.1984/07/12Beena Marg, Kathmandu1384.45NARBNPKA
5Nepal Investment Bank Ltd.1986/03/09Durbarmarg, Kathmandu1625.73NIBLNPKT
6Standard Chartered Bank Nepal Ltd.1987/02/28Nayabaneshwor, Kathmandu857.22SCBLNPKA
7Himalayan Bank Ltd.1993/01/18Kamaladi, Kathmandu1068.44
HIMANPKA
8Nepal SBI Bank Ltd.1993/07/07Kesharmahal, Kathmandu949.36NSBINPKA
NSBINPKA001 (Birgunj branch)
9Nepal Bangladesh Bank Ltd.1994/06/06Kamaladi, Kathmandu900.48NPBBNPKA
10Everest Bank Ltd.1994/10/18Lazimpat, Kathmandu893.37
EVBLNPKA
11Kumari Bank Ltd.2001/04/03Durbarmarg, Kathmandu1387.85
KMBLNPKA
12Laxmi Bank Ltd.2002/04/03Hattisar, Kathmandu1069.57LXBLNPKA
13Citizens Bank International Ltd.2007/04/20Narayanhitipath, Kathmandu1257.69CTZNNPKA
14Prime Commercial Bank Ltd.2007/09/24Kamalpokhari, Kathmandu1608.30PCBLNPKA
15Sunrise Bank Ltd.2007/10/12Gairidhara, Kathmandu948.79SRBLNPKA
16Mega Bank Nepal Ltd.2018/05/13*Kamaladi, Kathmandu1465.50
MBNLNPKA
17Century Commercial Bank Ltd.2011/03/10Putalisadak, Kathmandu903.44CCBNNPKA
18Sanima Bank Ltd.12012/02/15Nagpokhari, Kathmandu968.15SNMANPKA
19Machhapuchhre Bank Ltd.2012/7/9*Lazimpat, Kathmandu905.31MBLNNPKA
20NIC Asia Bank Ltd.2013/6/30*Thapathali, Kathmandu1156.40NICENPKA
21Global IME Bank Ltd.2019/09/04*Kamaladi, Kathmandu2163.25GLBBNPKA
22NMB Bank Ltd.2019/09/28*Babarmahal, Kathmandu1632.60NMBBNPKA
23Prabhu Bank Ltd.2016/2/12*Babarmahal, Kathmandu1134.71PRVUNPKA
24Siddhartha Bank Ltd.2016/7/21*Hattisar, Kathmandu1096.23SIDDNPKA
25Bank of Kathmandu Ltd.2016/7/14*Kamalpokhari, Kathmandu965.82BOKLNPKA
26Civil Bank Ltd.22016/10/17*Kamaladi, Kathmandu864.37CIVLNPKA
27Nepal Credit and Commerce Bank Ltd.32017/01/01*Bagbazar, Kathmandu1031.45NBOCNPKANRD (New Road branch)
NBOCNPKA
Paid-up capital based on the financial statement of Mid Jul, 2020

* Operation date after the joint merger



1 Paid-up Capital After the acquisition of Bagmati Development Bank Ltd. by Sanima Bank Ltd. 2 After the merger of Civil Bank Ltd. and International Leasing and Finance Company Ltd.

3 Paid Capital After the merger of Nepal Credit and Commerce Bank Ltd., International Development Bank Ltd., Infrastructure Development Bank Ltd., Supreme Development Bank Ltd. and Apex Development Bank Ltd.

source of this article

B-class development banks in Nepal

As of mid-July 2021, there are 18 (eighteen) B-class financial institutions in Nepal. These B class financial institutions are called development banks in Nepal. Muktinath Bikas Bank has the highest paid-up capital of 481.16 crores.

The list of B class development banks in Nepal is presented below:

S. No.Bank nameOperation Date
(A.D.)
Head OfficePaid-up Capital
(in crore)
Working Area
1Corporate Development Bank Ltd.2007/11/07Birgunj, Parsa411-3 District Level (Parsa, Makawanpur, Kavrepalanchowk)
2Excel Development Bank Ltd.2005/07/21Birtamod, Jhapa81.111-5 District Level (Ilam, Jhapa, Morang, Sunsari, Panchthar)
3Garima Bikas Bank Ltd.2016/09/20*Lazimpat, Kathmandu367.59National Level
4Green Development Bank Ltd.2013/08/25Pokhara, Kaski51.91-5 District Level (Baglung, Myagdi, Kaski, Tanahu, Nawalparasi East)
5Jyoti Bikas Bank Ltd.2016/08/12*Kamaladi, Kathmandu384.48National Level
6Kamana Sewa Bikas Bank Ltd.2017/8/4*Gyaneshwor, Kathmandu265.2National Level
7Karnali Development Bank Ltd.2004/02/18Nepalgunj, Banke50.28“1-3 District Level (Banke, Bardiya, Dang)”
8Lumbini Bikas Bank Ltd.2017/7/9*Dillibazar, Kathmandu290.65National Level
9Mahalaxmi Bikas Bank Ltd.2017/7/2*Durbar Marg, Kathmandu334.24National Level
10Miteri Development Bank Ltd.2006/10/13Dharan, Sunsari79.741-5 District Level (Jhapa, Morang, Sunsari,Dhankuta, Udaypur)
11Muktinath Bikas Bank Ltd.2007/01/03Kamaladi, Kathmandu481.16National Level
12Narayani Development Bank Ltd.2001/10/17Ratna Nagar, Chitawan12.121-3 District Level (Nawalparasi, Chitwan, Makawanpur)
13Sahara Bikas Bank Ltd.2010/10/27Malangawa, Sarlahi27.231 District Level (Sarlahi)
14Salapa Bikash Bank Ltd.2012/07/16Diktel, Khotang2.81 District Level (Khotang)
15Sangrila Development Bank Ltd.2014/07/13*Baluwatar, Kathmandu260.66National Level
16Saptakoshi Development Bank Ltd.2019/07/07*Dhankuta , Koshi83.431-7 District Level (Morang, Ilam, Panchthar, Jhapa, Sunsari, Dhankuta, Terhathum)
17Shine Resunga Development Bank Ltd.2013/03/17*Butawal, Rupandehi340.85National Level
18Sindhu Bikas Bank Ltd.2010/09/09Barhabise, Sindhupalchowk55.751-5 District Level (Sindhupalchowk, Kavre, Dolkha, Makawanpur, Chitwan)
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C-class finances in Nepal

15 C class finance companies are currently operating in Nepal with being licensed from Nepal Rastra Bank (NRB).

The detail of these companies including their operation date, head office and paid-up capital and working area are mentioned in the following table.

S. No.Institution nameOperation Date
(A.D.)
Head OfficePaid-up Capital
(in crore)
Working Area
10“Guheshwori Merchant Banking & Finance Ltd.”2002/6/13Pulchowk, Lalitpur86.4National Level
17Best Finance Ltd.2018/08/02*Chabahil, Kathmandu82.89National Level
9Capital Merchant Banking & Finance Ltd.2002/02/01Battisputali, Kathmandu93.51National Level
16Central Finance Ltd.2017/03/23*Kupondole, Lalitpur88.1National Level
3Goodwill Finance Ltd.1995/05/15Hattisar, Kathmandu86.72National Level
14Gorkhas Finance Ltd.2016/4/10*Dillibazar, Kathmandu86.8National Level
11ICFC Finance Ltd.2004/07/15Bhatbhateni, Kathmandu102.43National Level
5Janaki Finance Co. Ltd.1997/03/07Janakpurdham, Dhanusha60.04Province No. 2
12Manjushree Finance Ltd.2007/10/17Nayabaneshwor, Kathmandu96.54National Level
7Multipurpose Finance Co. Ltd1998/04/15Rajbiraj, Saptari401 District Level (Saptari)
1Nepal Finance Ltd.1993/01/06Kamaladi, Kathmandu49.35National Level
2Nepal Share Markets and Finance Ltd.1993/10/19Ramshahapath, Kathmandu23.33National Level
6Pokhara Finance Ltd.1997/03/16Pokhara, Kaski96.31National Level
4Progressive Finance Ltd.1996/02/26Newroad, Kathmandu80.01National Level
13Reliance Finance Ltd.2014/05/08*Pradarsani Marg, Kathmandu91.57National Level
8Samriddhi Finance Company Limited2001/08/10Hetauda, Makawanpur42.84National Level
15Shree Investment & Finance Co. Ltd.2017/02/01*Dillibazar, Kathmandu89.01National Level

D-class microfinances in Nepal

According to NRB, there are 70 (seventy) D class financial organisations in operation in Nepal as of mid-July 2021.

S. No.


Microfinance nameOperation Date
(A.D.)
Head OfficePaid-up Capital
(in crore)
Working Area
1Aviyan Laghubitta Bittiya Sanstha Limited2019/12/17Panauti, Kavre15.25National Level
2CYC Nepal Laghubitta Bittiya Sanstha Limited2019/03/15Baglung-3, Baglung8.21National Level
3FORWARD Microfinance Laghubitta Bittiya Sanstha Ltd.2013/05/17Duhabi Bhaluwa, Sunsari62.55National Level
4Grameen Bikas Laghubitta Bittiya Sanstha Ltd.2014/08/15*Butawal, Rupandehi98.25National Level
5Khaptad Laghubitta Bittiya Sanstha Limited2020/07/31Godawari, Kailali2.68Province No. 7
6Manakamana Smart Laghubitta Bittiya Sanstha Ltd.2020/07/26*Siddarthanagar, Ruphandehi12.12Provine No. 5
7Meromicrofinance Laghubitta Bittiya Sanatha Ltd.2013/07/18Battar, Nuwakot100National Level
8NESDO Samriddha Laghubitta Bittiya Sanstha Limited2019/03/05Kushma, Parbat17.21National Level
9Nirdhan Utthan Laghubitta Bittiya Sanstha Ltd.1999/07/17Naxal, Kathmandu169.5National Level
10Rastra Utthan Laghubitta Bittiya Sanstha Limited2019/02/20Banepa, Kavrepalanchok17.5National Level
11Samata Gharelu Laghubitta Bittiya Sanatha Ltd.2013/08/25Banepa, Kavrepalanchowk28.56National Level
12Shrijanshil Laghubitta Bittiya Sanstha Limited2019/03/15Golbazar, Siraha7National Level
13Summit Laghubitta Bittiya Sanstha Limited2020/09/22*Gorkha, Gorkha39.43National Level
14Swabalamban Laghubitta Bittiya Sanstha Ltd.2002/02/22Kamal Pokhari, Kathmandu94.3National Level
15Swabhiman Laghubitta Bittiya Sanstha Ltd.2017/05/22Tilottama, Rupandehi9.21Provine No. 5
16Upakar Laghubitta Bittiya Sanstha Limited2019/03/27Kohalpur, Banke4.2Province No. 5
17Aarambha Chautari Laghubitta Bittiya Sanstha Ltd.2016/01/03Banepa, Kavre28.68National Level
18Aatmanirbhar Laghubitta Bittiya Sanstha Limited2019/04/15Ghorahi, Dang4.2Province No. 5
19Adarsha Laghubitta Bittiya Sanstha Ltd.2018/12/16Banepa, Kavrepalanchok1.4Province No. 3
20Adhikhola Laghubitta Bittiya Sanstha Ltd.2017/02/12Bhirkot, Syangja104-10 District Level (Syangja, Kaski, Lamjung, Tanahu, Nawalparasi, Rupandehi, Palpa, Arghakhachi, Gulmi, Kapilvastu)
21Asha Lagubitta Bittiya Sastha Ltd.2016/08/29Madanpur Nuwakot26.71National Level
22BPW Laghubitta Bittiya Sanstha Limited2019/04/15Banepa, Kavrepalanchok2.03Province No. 3
23Buddha Jyoti Laghubitta Bittiya Sanstha Ltd.2018/06/20Lumbini Sanskritik, Rupundehi1.24-10 District Level(Palpa, Arghakhanchi, Gulmi,Baglung, Rupundehi, Nawalparasi, Kapilbastu, Mustang, Myagdi,Rukum )
24Chhimek Laghubitta Bittiya Sanstha Ltd.2001/12/10Old Baneshwor, Kathmandu183National Level
25Civil Laghubitta Bittiya Sanstha Ltd.2012/07/05Chuchepati, Kathmandu24.21National Level
26Deprosc Laghubitta Bittiya Sanstha Ltd.2001/07/03Bharatpur, Chitwan115.62National Level
27Deurali Laghubitta Bittiya Sanstha Limited2020/01/25Butwal, Rupandehi2.4Province No. 5
28Dhaulagiri Laghubitta Bittiya Sanstha Limited2019/02/19Baglung -2, Baglung7National Level
29First Microfinance Laghubitta Bittiya Sanstha Ltd.2009/12/28Gyaneshwor, Kathmandu87.68National Level
30Ganapati Laghubitta Bittiya Sastha Ltd.2016/12/09Shuklagandaki, Tanahu12.74National Level
31Ghodighoda Laghubitta Bittiya Sanstha Ltd.2016/06/12Sripur Belouri, Kanchanpur2.764-10 District Level (Kailali,Kanchanpur,Banke,Bardiya,Dan g,Surkhet,Doti,Dadeldhura,Baitadi,Darc hula)
32Global IME Laghubitta Bittiya Sanstha Ltd.2013/05/19Besisahar, Lamjung43.17National Level
33Gurans LaghuBitta Bittiya Sastha Ltd.2016/11/16Dhankutabazaar, Dhankuta8.34Province No. 1
34Infinity Laghubitta Bittiya Sanstha Ltd2017/01/20Gaidakot, Nawalparasi26.06National Level
35Jalpa Samudayik Laghubitta Bittiya Sanstha Limited2020-12-01*Pokhara, Kaski10.78National Level
36Janautthan Samudayik Laghubitta Bittiya Sanstha Ltd.2010/11/09Butwal, Rupandehi7.9219 District Level (Kailali, Kanchanpur, Banke, Bardiya, Dang, Kapilvastu, Rupandehi, Nawalparasi East, Nawalparasi West, Chitwan, Parsa, Surkhet, Dadeldhura, Gulmi,Palpa, Tanahu, Arghakhachi, Pyuthan, Salyan)
37Jeevan Bikash Laghubitta Bittiya Sanstha Limited2020/09/07*Kalahari , Morang60.84National Level
38Kalika Laghubitta Bittiya Sanstha Ltd.2020/01/08*Pokhara, Kaski27.76National Level
39Kisan Laghubitta Bittiya Sanstha Limited2020/07/13*Dhanagadhi, Kailali39.28National Level
40Laxmi Lighubitta Bittiya Sanstha Ltd.2012/06/04Maharajgunj, Kathmandu32National Level
41Mahila Laghubitta Bittiya Sanstha Ltd.2018/10/18Banepa, Sanga, Kavrepalanchok10National Level
42Mahuli Laghubitta Bittiya Sanstha Ltd.2020/11/23*Bakdhuwa, Saptari22.39National Level
43Manushi Laghubitta Bittiya Sanstha Ltd.2018/11/17Banepa, Bhaisepati, Kavrepalanchok7National Level
44Mirmire Laghubitta Bittiya Sanstha Ltd.2010/09/23Banepa, Kavre43.26National Level
45Mithila Laghubitta Bittiya Sanstha Ltd.2009/4/29Dhalkebar, Dhanusha12.17Province No. 2
46NADEP Laghubitta Bittiya Sanstha Ltd.2015/05/15Gajuri, Dhading40.48National Level
47National Microfinance Laghubitta Bittiya Sanstha Ltd.2014/07/02Nilkantha, Dhading41.91National Level
48Naya Sarathi Laghubitta Bittiya Sanstha Ltd.2020/09/21*Banepa, Kavre25.5National Level
49Nepal Agro Microfinance Bittiya Sastha Ltd.2016/09/20Pokhara, Kaski6.534-10 District Level (Kaski, Parbat, Baglung, Gulmi, Pyuthan, Rolpa, Tanahun, Salyan, Palpa, Lamjung)
50Nepal Sewa Laghubitta Bittiya Sanstha Ltd.2014/10/26Phataksila, Sindhupalchok6.15Province No. 3
51Nerude Laghubitta Bittiya Sanstha Ltd.2007/06/15Biratnagar, Morang49.39National Level
52NIC Asia Laghubitta Bittiya Sanstha Ltd.2021/03/21*Bherimalika, Jajarkot173.94National Level
53NMB Laghubitta Bittiya Sanstha Ltd.2013/03/31Pokhara-Hemja, Kaski53.98National Level
54RMDC Laghubitta Bittiya Sanstha Ltd.1999/12/06Putalisadak, Kathmandu103.42National Level
55RSDC Laghubitta Bitiya Sanstha Ltd.2013/09/11Butwal, Rupandehi73.2National Level
56Sabaiko Laghubitta Bittiya Sanstha Ltd.2017/07/14Bandipur, Tanahu20.6National Level
57Sadhana Laghubitta Bittiya Sanstha Ltd.2017/10/30Gorkha, Gorkha25.7National Level
58Samaj Laghubitta Bittiya Sanstha Ltd.2018/05/15Malangawa,Sarlahi21-3 District Level (Sarlahi, Mahottari, Dhanusha)
59Samudayik Laghubitta Bitiya Sanstha Ltd.2014/04/13Banepa, Kavre13.24-10 District Level (Sindhupalchowk, Kavrepalanchowk, Dolakha, Ramechhap, Solukhumbu,Okhaldhunga, Nuwakot, Khotang, Bhojpur, Sankhuasabha)
60Sana Kisan Bikas Laghubitta Bittiya Sanstha Ltd.2002/03/11Subidhanagar, Kathmandu125.15National Level
61Super Laghubitta Bittiya Sanstha Limited2020/01/15Tulshipur, Dang1.95Province No. 5
62Support Laghubitta Bittiya Sanstha Ltd.2015/07/12Hasposa, Itahari6.6Province No. 1
63Suryodaya Laghubitta Bitiya Sanstha Ltd.2020/02/22*Putalibazar, Syangja24.8National Level
64Swastik Laghubitta Bittiya Sanstha Limited2019/03/26Lahan, Siraha1.2Province No. 2
65Sworojagar Laghubitta Bittiya Sanstha Ltd.2009/12/16Banepa, Kavre41.13National Level
66Unique Nepal Laghubitta Bittiya Sanstha Ltd.2018/12/16Kohalpur, Banke6.34 – 10 District (Bardiya, Banke, Kailali, Kanchanpur, Dang, Kapilbastu,Rupandehi, Nawalparasi, Surkhet, Dadeldhura)
67Unnati Sahakarya Laghubitta Bittiya Sanstha Ltd.2020/07/10*Siddarthanagar, Rupandehi14.95National Level
68Vijaya Laghubitta Bittiya Sanstha Ltd.2013/03/28Gaidakot, Nawalparasi26.66National Level
69WEAN Laghubitta Bittiya Sanstha Limited2019/04/08Galchhi, Dhading1.46Province No. 3
70Womi Laghubitta Bittiya Sanstha Ltd.2021/03/16*Banepa, Kavre41.19National Level

A-class commercial banks in Nepal

Nepal Bank Ltd.

  • First commercial bank of Nepal
  • established in 1937, by Juddha Shumsher, marking the beginning of formal banking in Nepal
  • Ownership: Government of Nepal (51%) and general public (49%)
Total branches203
Total staff2175 (As of Aug 16, 2020)
Websitenepalbank.com.np
Head officeDharma path, Kathmandu
Contact phone+977 1 4247999

Rastriya Banijya Bank Ltd.

  • fully government-owned, and the largest commercial bank in Nepal
  • established on January 23, 1966 (2022 Magh 10 BS)
Total branches239
Websiterbb.com.np/
Head officeSinghadurbar Plaza, Kathmandu
Contact phone+977 1 5970018

Agriculture Development Bank Ltd.

  • autonomous organization largely owned by the Government of Nepal providing banking services primarily in agricultural sector
  • ownership: 51% Government of Nepal and 49% general public
Total branches278
Websiteadbl.gov.np
Head officeRamshah Path, Kathmandu
Contact phone977 1 4263387

Nabil Bank Ltd.

  • first bank in Nepal incepted by multinational investors
  • established in July 12, 1984
Total branches118
Websitenabilbank.com
Head officeDurbarmarg, Kathmandu
Contact phone+977 1 5970015

Nepal Investment Bank Ltd.

  • established in 1986 as a joint venture between Nepalese and Credit Agricole Indosuez
  • ownership: Promoters – 69% and General Public – 31%
Total branches86 Branches, 127 ATMs
Websitenibl.com.np
Head officeDurbarmarg, Kathmandu
Contact phone01-4228229

Standard Chartered Bank Nepal Ltd.

  • subsidiary of Standard Chartered PLC
  • established on
  • only international bank in Nepal
  • ownership: Standard Chartered Group (70.21%) and general public (29.79%)
Total branches12
Websitewww.sc.com/np
Head officeNaya Baneshwor,
Kathmandu
Contact phone+977 1 4781800

Himalayan Bank Ltd.

  • established in 1993 in joint venture with Habib Bank Limited of Pakistan
Total branches43
Websitehimalayanbank.com
Head officeThamel Kathmandu, Nepal
Contact phone01-4227749
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Nepal SBI Bank Ltd.

  • first Indo-Nepal joint venture in the financial sector
  • established on July 17, 1992
Total branches108, 121 ATMS
Total staff995 as on 18.12.2020
Websitensbl.statebank
Head officeKathmandu, Nepal
Contact phone977 1 4423375

Nepal Bangaladesh Bank Ltd.

  • established in June 1994
  • established as a joint venture bank with IFIC Bank Ltd., Bangladesh
Total branches81
Websitenbbl.com.np
Head officeKathmandu, Nepal
Contact phone4233780

Everest Bank Ltd.

  • commercial Bank of Nepal, a joint venture of Punjab National Bank, India
  • established in 1994
Total branches100 Branches, 132 ATMs
Websiteeverestbankltd.com
Head officeKathmandu, Nepal
Contact phone01-4418878

Kumari Bank Ltd.

  • founded in 2001
  • has over 9 lakh customers
Total branches192 branches, 13 extension counters and 23 Branchless Banking Units
Websitekumaribank.com
Head officeTangal, Kathmandu, Nepal
Contact phone01-4443077

Laxmi Bank Ltd.

  • founded in 2002
  • share owned: 51% promoter and 49% general public
Total branches125
Websitelaxmibank.com
Head officeHattisar – 1, Kathmandu
Contact phone014444684/685

FAQs

How many A-class banks are there in Nepal?

Currently, there are 27 (twenty-seven) A class banks in operation in Nepal.

Which Nepali bank has the highest paid-up capital?

Global IME Bank has the highest paid-up capital (of 1897.59 crores) among all the Nepali banks.

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About the Author
Lakshman Basnet
Digital Media Marketer from Nepal currently based in Adelaide, South Australia who apart from playing with his cat - Eleven, also enjoys developing web content, publishing blogs and YouTube videos in his free time.

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