Banks and Financial Institutions

Banks and Financial Institutions

Home » Banks and Financial Institutions

Banks and financial services in Chitwan, Nepal, play a pivotal role in supporting the region's economic activities and providing essential financial services to its residents and businesses. Chitwan, as one of Nepal's thriving cities, boasts a well-established network of both domestic and international banks, making it a vital financial hub in the region.

The banks in Chitwan offer a wide range of services, including savings and current accounts, loans, credit facilities, and remittance services, catering to the diverse financial needs of the local population. Additionally, they play an essential role in facilitating trade and commerce in the region by providing businesses with access to capital and various financial tools to expand and thrive. Moreover, Chitwan's financial institutions also contribute significantly to financial inclusion efforts, helping individuals and communities gain access to banking services and fostering economic development in the region. Overall, the presence of these banks and financial institutions in Chitwan plays an instrumental role in driving the local economy and improving the financial well-being of its residents.

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Chitwan Tourism

Agricultural Development Bank

Official Website
Birendranagar
Birendranagar
056-419133
province.birendranagar@adbl.gov.np
Bharatpur
Bharatpur
056-594231, 594758, 594122, 594399
bharatpur.banking@adbl.gov.np
Gunjanagar
Gunjanagar
056-591313
gunjanagar.branch@adbl.gov.np
Madi
Madi
056-501030
mandi.branch@adbl.gov.np
Narayangardh
Narayangardh
056-596001, 596002, 596006, 596007
narayanghat.banking@adbl.gov.np
Parsa
Parsa, Chitwan
056-583227
khairhani.branch@adbl.gov.np
Tandi
Tandi
056-560904
tandi.banking@adbl.gov.np
Hakimchowk
Hakimchowk
056-526553
bharatpur2.branch@adbl.gov.np
Sauraha
Sauraha
056-580379
banking.sauraha@adbl.gov.np

Citizens Bank International Limited

Official Website
Bharatpur
Bharatpur-7, Buddhachowk
056-593890, 9855013274
info@ctznbank.com
Jyamire
Kharehani-1 Chitwan
9855064988
info@ctznbank.com
Mangalpur
Bharatpur - 15, Mangalpur
056-591822, 9857622350
info@ctznbank.com
Narayangadh
Lions Chowk, Bharatpur-3
056-598648, 598434, 9855048120
info@ctznbank.com
Tandi
Jyoti Hall Road, Bakular Tandi
056-593286, 593287, 593289, 9857034244
info@ctznbank.com

Everest Bank Limited

Official Website
Hakimchowk
Bharatpur, Chitwan
056-590328, 590428
hakimchowk@ebl.com.np
Parsa
Parsa, Chitwan
056-582960
parsa@ebl.com.np
Tandi
Tandi, Chitwan
056-562000
tandi@ebl.com.np
Narayangarh, Bharatpur
Narayangarh, Chitwan
056-596565, 596827, 596465
eblngd@ebl.com.np

Garima Bikash Bank Limited

Official Website
Buddha Chowk
Buddhachowk, Bharatpur-7
056-593371, 593372
buddhachowk@garimabank.com.np
Malpot Chowk
Bharatpur-12, Malpotchowk
056-538275, 490482
malpotchowk@garimabank.com.np
Milan Chowk
Milanchowk, Bharatpur-26
056-416248, 416247
milanchowk@garimabank.com.np
Mugling
Ichchha Kamana-05, Mugling
056-540261, 540260
muglin@garimabank.com.np
Narayangarh
Bharatpur-01, Narayangarh
056-590071, 590734, 590535, 590534
narayangarh@garimabank.com.np
Parsa
Khairahani-08, Parsa Bazzar
056-583285
parsa@garimabank.com.np
Shivanagar
Bharatpur-24, Shivanagar
056-592444
shivanagar@garimabank.com.np
Tandi
Ratnanagar-01, Sauraha Chowk
056-562168
tandi@garimabank.com.np

Global IME Bank Ltd.

Official Website
Kholesimal Branch
Kholesimal
056-413144, 413045, 9802261103
kholesimal@gibl.com.np
Kurintar Branch
Lamsal Complex, Darechowk VDC-3
56-410003, 9802261110
kurintar@gibl.com.np
Belchowk Branch
Belchowk
056-596637, 596449, 9802261104
belchowk@gibl.com.np
Bhandara Bazar Branch
Rapti-05, Bhandara Bazar
056-550645, 9802261234
bhandara@gibl.com.np
Bharatpur Branch
Paras Bus Park-10, Bharatpur
056-590292, 590392, 590742, 590642, 9802261188
bharatpur@gibl.com.np
Rampur Branch
Rampur-17
056-591149, 591150, 9802261182
rampur@gibl.com.np
Madi Branch
Madi Munivipality Ward No 3, Basantapur
056-501001, 501002, 9802261187
madi@gibl.com.np
Geetanagar Branch
Bharatpur-06, Geetanagar
056-400303, 400304, 9802261184
geetanagar@gibl.com.np
Parsa Branch
Khairahani-08, Parsa
56-583260, 583261, 9802261183
parsa@gibl.com.np
Tandi Branch
Ratnanagar-10, Bakhlahar Chowk, KN Plaza
056-562779, 9802261042
tandi@gibl.com.np
Hakim Chowk
Hakimchowk, Bharatpur-9
056-490718, 490719, 9820126318
hakimchowk@gibl.com.np
Pragatipath Branch
Bharatpur Metropolitian City, Ward-1
056-598430, 598178, 9820126321
pragatipath@gibl.com.np
Narayangath Branch
Lions Building, Lions Chowk, Narayangadh
056-596101, 596102, 596103, 596104, 596105, 596106, 9802261018
narayanghat@gibl.com.np
Lanku Branch
Bharatpur Metropolitian City, Ward-6
056-598255, 598355, 9820126319
lanku@gibl.com.np
Sahidchowk Branch
Bharatpur-3, Sahidchowk, Narayangarh
056-596064, 596064, 9802261179
narayanghatiii@gibl.com.np

Himalayan Bank Ltd.

Official Website
Bharatpur
Maiya devi Marga, Bharatpur
056-595616, 595617, 595816
bharatpur@himalayanbank.com
Parbatipur
Bharatpur-21, Parbatipur
056-591515, 591774
parbatipur@himalayanbank.com
Parsa
Naya Road, Parsa
056-583628
parsa@himalayanbank.com

Jyoti Bikash Bank Ltd.

Official Website
Bharatpur
Bharatpur-10, Chitwan
056-590716, 590717
dil.sapkota@jbbl.com.np
Narayangarh
Bharatpur-03, Narayangarh
056-594843, 594953
krishna.kandel@jbbl.com.np
Parsa
Khairahani-08, Parsa
056-583374, 583347, 583345
yagya.bhatt@jbbl.com.np
Tandi
Ratnanagar Municipality
056-490567, 490571
suresh.ghimire@jbbl.com.np

Kamana Sewa Bikas Bank Ltd.

Official Website
Bikas Chowk
Bikas Chowk, Chitwan
056-418225, 418226
indra.ghising@kamanasewabank.com
Hakim Chowk
Hakim Chowk, Chitwan
056-523948, 523927
prakash.gautam@kamanasewabank.com
Jyotinagar
Jyotinagar, Chitwan
NA
dhundaraj.poudel@kamanasewabank.com
Khurkhure
Khurkhure, Chitwan
056-419151, 419142
narayan.shrestha@kamanasewabank.com
Narayanghat
Narayanghat, Chitwan
056-570206, 570207
shyam.chawai@kamanasewabank.com
Padampur
Padampur, Chitwan
NA
dharti.devkota@kamanasewabank.com
Sharadanagar
Sharadanagar, Chitwan
056-592208, 592409
saroj.lamichhane@kamanasewabank.com

Kumari Bank Limited

Official Website
Bharatpur
Bharatpur, Chitwan
056-519328, 519329, 519308
bharatpur@kumaribank.com
Chanauli
Gunjanagar, Chanuali
056-592486, 592487
chanauli@kumaribank.com
Geetanagar
Chowk Bazar, Geetanagar
056-400047, 400048
geetanagar@kumaribank.com
Hakimchowk
Hakimchowk, Bharatpur
056-595430, 595637
hakimchowk@kumaribank.com
Kholesimal
Kholesimal Bazar
056-413004, 413005
kholesimal@kumaribank.com
Lanku
Dharamchowk, Lanku, Bharatpur
056-590650, 590750, 590850
lankoo@kumaribank.com
Madi
Bashantapur, Madi, Chitwan
056-501082, 501083, 501084
madi@kumaribank.com
Mangalpur
Mangalpur Chowk, Chitwan
056-591713, 591723
mangalpur@kumaribank.com
Narayangadh
Maiya Devi Marga, Bharatpur
056-595241, 595242
narayangadh@kumaribank.com
Naya Parsa
Naya Parsa, Chitwan
056-583326, 583327
nayaparsa@kumaribank.com
Pokhara Buspark
Pokhara Buspark, Chitwan
056-535944, 535945
pkrbuspark@kumaribank.com
Purano Parsa
Purano Parsa, Chitwan
056-582639, 582649
puranoparsa@kumaribank.com
Sahidchowk
Narayangarh, Bharatapur Chitwan
056-598836, 598837, 598194
sahidchowk@kumaribank.com
Sauraha
Ratna Nagar, Chitwan
056-580490, 580491
sauraha@kumaribank.com
Tandi
Tandi, Chitwan
056-563066, 563067, 563068
tandi@kumaribank.com

Laxmi Sunrise Bank

Official Website
Chanauli
Chanauli, Bharatpur-18, Chitwan
056-591955, 591956
chanauli@laxmibank.com
Narayanghat
Bharatpur-1, Shahid Chowk
056-598347, 598348
narayanghat@laxmibank.com
Hakimchowk
Bharatpur-10, Hakimchowk,
056-590853, 590789
hakimchowk@laxmibank.com
Parsa
Khairahani-8, New Parsa
parsa@laxmibank.com
056-583597, 583598

Lumbini Bikas Bank Ltd.

Official Website
Hakimchowk
Hakimchowk, Bharatpur
056-590397, 590497
sudarshan.ghimire@lumbinibikasbank.com
Kurintar
Kurintar, Chitwan
056-410104
pradeep.regmi@lumbinibikasbank.com
Narayangarh
Bharatpur-4, Narayangarh
056-596684
suraj.koirala@lumbinibikasbank.com
Parshadhap
Parshadhap, Chitwan
056-404109, 404110
thaneshwor.acharya@lumbinibikasbank.com
Tandi
Ratnanagar-02, Chitwan
056-563147
santosh.shrestha2@lumbinibikasbank.com

Machhapuchchhre Bank limited

Official Website
Hakim Chowk
Hakim Chowk, Bharatpur
056-590976, 590978, 9855060543
kamal.poudel@mbl.com.np
Ichhakamana
Kurintar, Ichhakamana-4
056-410116, 9856041044
shobha.shrestha@mbl.com.np
Kalika
Kalika Municipality, Chitwan
056-413146, 413147, 9845212172
bishal.khanal@mbl.com.np
Narayangadh
Sahid Chowk, Bharatpur-3
056-598223 , 598224, 9840273324
siddhanta.koirala@mbl.com.np
Parsa
Parsa, Khairahani-8, Chitwan
056-582612, 582610, 9851208386
ram.tiwari@mbl.com.np
Tandi
Tandi, Ratnanagar-1, Chitwan
+977-56-562158, 9851219681
ananda.adhikari@mbl.com.np

Mahalaxmi Bikas Bank Limited

Official Website
Hakim Chowk
Bharatpur-10, Rijal Chwok
056-595661, 595563
hakimchwok@mahalaxmibank.com.np
Khurkhure
Rapti Municipality-8, Khurkhure
056-419132
khurkhure@mahalaxmibank.com.np
Narayangarh
Bharatpur-2, Sahidchowk
056-596337, 596347
narayanghary@mahalaxmibank.com.np
Tandi
Ratnanagar-1, Bakulahar, Tandi
056-563078, 563079
tandi@mahalaxmibank.com.np

Muktinath Bikash Bank Ltd.

Official Website
Hakimchowk
Bharatpur-10, Hakimchowk
056-590836
hakimchowk@muktinathbank.com.np
Kholesimal
Kalika Municipality-6, Kamal Chowk
056-413094, 413095
kholesimal@muktinathbank.com.np
Narayangarh
Bharatpur-02, Sahidchowk
056-523632
narayangarh@muktinathbank.com.np
Parbatipur
Bharatpur-21, Parbatipur
056-592067
parbatipur@muktinathbank.com.np
Parsa
Khairahani-8, Parsa
056-582595
parsa@muktinathbank.com.np
Tandi
Ratananagar Municipality-10, Tandi
056-562381
tandi@muktinathbank.com.np

Nabil Bank Limited

Official Website
Bhandara
Rapti Municipality 5, Bhandara
9851155659
nischal.thapa@nabilbank.com
Hakimchowk
Bharatpur-10, Hakimchowk
+977-56-594724, 594210, 9869190295
puran.poudel@nabilbank.com
Narayangadh
Bharatpur Ward No.3, Pulchowk
+977-56-596234, 596634
kapil.kc@nabilbank.com
Narayangadh (Kamalnagar)
Bharatpur Metropolitan City - 3, Kamalnagar
+977-56-598520, 598714
ashok.kapali@nabilbank.com
Parsa Bazar
Khairahani-08, Parsa Bazar
+977-56-583097, 583367
binod.dhital@nabilbank.com
Tandi
Ratnanagar, Ward No 01, Taandi
+977-56-560591, 560592
dharma.maharjan@nabilbank.com

Narayani Development Bank Limited

Official Website
Corporate Office - Tandi
Ratnanagar-1, Tandi
056-561258, 560608
info@ndbl.com.np
Tandi
Ratnanagar-2 , Tandi
056-561670, 598608
ratnanagar@ndbl.com.np
Hakim Chowk
Hakim Chowk, Bharatpur-10
056-590011, 590012
bharatpur@ndbl.com.np
Yagyapuri
B.P Koirala Cancer Hospital, Bharatpur-07
056-593895, 593822
yagyapuri@ndbl.com.np
Narayangarh
Pulchok, Bharatpur-3
056-490734, 490534
narayangarh@ndbl.com.np
Parsa
Khairahani-8, Parsa
056-493980, 493981
parsa@ndbl.com.np

Nepal Bank Limited

Official Website
Bhandara
Bhandara, Chitwan
nblbhandara@nepalbank.com.np
56-550470
Geetanagar
Geetanagar, Chitwan
056-400225
nblgeetanagar@nepalbank.com.np
Hakimchowk
Bharatpur Metropolitan
056-494319, 494320
nblhakimchowk@nepalbank.com.np
Narayangadh
Narayangadh, Chitwan
nrg@nepalbank.com.np
056-572167, 572621
Parsabazaar
Parsabazaar, Chitwan
056-583195, 583175
nblparsa@nepalbank.com.np
Rampur
Rampur, Chitwan
nblrampur@nepalbank.com.np
056-591977, 592141
Ratnanagar
Ratnanagar, Chitwan
056-560210, 560728
nbltandi@nepalbank.com.np

Nepal Investment Mega Bank Ltd.

Official Website
Bharatpur Height
Bharatpur 10,Bharatpur Height
056-525761, 525961
bharatpurheight@nimb.com.np
Bhojard
Bharatpur-11, Bishalchowk, Bhojard
056-593817, 593818
bhojard@nimb.com.np
Bikash Chowk
Bharatpur-07, Bikashchowk, Narayanpur chowk
056-418243, 418244
bikashchowk@nimb.com.np
Chanauli
Chanauli, Chitwan
056-592074
chanauli@nimb.com.np
Hakimchowk
Bharatpur - 10, Balmandir Road, Hakimchowk
056-493770, 493870
narayanghat2@nimb.com.np
Meghauli
Bharatpur-27, Meghauli
9855010935, 9821145017
meghauli@nimb.com.np
Mugling
Ichchhakamana-05, Mugling
056-540256
mugling@nimb.com.np
Narayangadh
Bharatpur-01, Pulchowk, Narayangadh
056-533702, 533703
narayanghat@nimb.com.np
Narayangardh
Pulchowk, Narayangarh
056-596021, 596921, 596923, 596928
customerserviceng@nimb.com.np
Parsa
Khairahani-08, Parsa Bazar
056-582457, 582492
parsa@nimb.com.np
Patihani
Patihani, Chitwan
056-411080
customerserviceph@nimb.com.np
Sauraha
Ratnanagar-06, Sauraha
056-580453
sauraha@nimb.com.np
Tandi
Ratnanagar-01, Bakulahar Chowk, Chitwan
056-560409, 560779
tandi@nimb.com.np

Nepal SBI Bank Ltd.

Official Website
Hakimchowk
Bharatpur-10
056-590191
hakimchowk@nsbl.com.np
Narayangarh
Shahid Chowk, Narayangarh
056-595771, 595939, 595224
narayangarh@nsbl.com.np
Ratnanagar
Ratnanagar-02, Main Road, Tandi
056-562340
atnanagar@nsbl.com.np
Bharatpur Extension Counter
Bharatpur-4, Yagyapuri
056-530116
dsb.bharatpur@nsbl.com.np

NIC Asia Bank Limited

Official Website
Baseni
NA
056-593752, 593552
NA
Bhandara
NA
056-550063, 550064
NA
Chanauli
NA
056-591156, 591157
NA
Geetanagar
NA
056-400335, 400336, 400337
NA
Hakim Chowk
NA
056-523020, 523241
NA
Narayangarh
NA
056-596676, 596276, 596377, 596477
NA
Parsa
NA
056-582262, 582823
NA
Sauraha
NA
056-580386, 580396
NA
Tandi
NA
056-560039, 560162
NA

NMB Bank

Official Website
Bhandara
Bhandara, Chitwan
056-550173, 550174
udaya.paudel@nmb.com.np
Bharatpur
Malpot Chowk - 12, Chitwan
056-527257, 527287
sabin.adhikari@nmb.com.np
Buddha Chowk
Buddha Chowk, Bharatpur
056-594770, 594670
ram.kalathoki@nmb.com.np
Chanauli
Chanauli - 20, Chitwan
056-592601, 592602
krishna.dahal@nmb.com.np
Furtichowk
Furtichowk - 16, Bharatpur
056-502089, 502090
bishnu.ranabhat@nmb.com.np
Narayanghat
Lions Chowk - 1, Chitwan
056-595546, 595746
ram.saud@nmb.com.np
Narayanghat
Main Road, Narayanghat
56-596761, 596862
laxman.shrestha@nmb.com.np
Parsa
Parsa - 3, Chitwan
056-582352
bijay.gurung@nmb.com.np
Tandi
Tandi Chowk, Chitwan
056-560619, 560309
ganesh.adhikari@nmb.com.np

Prabhu Bank Limited

Official Website
Bel Chowk
Belchowk, Bharatpur-03, Narayangarh
056-490460, 490461
rikesh.adhikari@prabhubank.com
Bhandara Branch
Bhandara-5, Rapti
056-550103
bhuvaneshwar.rimal@prabhubank.com
Bharatpur
Bharatpur
056-532522
jeevan.thapa2688@prabhubank.com
Gadauli Branch
Gadauli
056-405097
kiranlal.shrestha@prabhubank.com
Kurintar
Kurintar
065-410120, 410120
bhesh.khadka@prabhubank.com
Lions Chowk
Lions Chowk, K.L. Mall
056-595230, 595470, 595670
gobinda.sharma@prabhubank.com
Narayangarh
Narayangarh
056-533526, 533526
raju.pant@prabhubank.com
Padampur
Lahure chowk, Kalika-02
056-413109, 9845519826
goma.adhikari@prabhubank.com
Patihani
Patihani Bazzar-22, Bharatpur
056-401060
apsara.subedi@prabhubank.com
Sauraha
Sauraha
056-580443
mani.manandhar@prabhubank.com
Tandi
Tandi
056-563006, 563007
amar.jyoti@prabhubank.com

Prime Commercial Bank Limited

Official Website
Bhandara
Bhandara, Chitwan
056-550605
NA
Bharatpur
Chaubishkothi, Bharatpur-10
056-493241, 493242, 493340
NA
Hakimchowk
Hakimchowk, Chitwan
056-594382, 592582
NA
Narayangadh
Narayangadh, Bharatpur
056-596901, 596902
NA
Tandi
Tandi, Chitwan
056-563094, 563095
NA

Rastriya Banijya Bank Limited

Official Website
Bharatpur
Bharatpur, Chitwan
056-535303, 512207, 510207, 511900
bharatpur@rbb.com.np
Narayanghat
Narayanghat, Chitwan
056-598233, 596206
narayaghat@rbb.com.np
Ratnanagar
Ratnanagar, Chitwan
056-562929
ratnanagar@rbb.com.np
Parsadhap
Parsadhap , Chitwan
056-695734
parsadhap@rbb.com.np
Madi
Madi, Chitwan
NA
madi@rbb.com.np

Sanima Bank Limited

Official Website
Narayangarh
Sahidh Chowk, Narayangarh, Bharatpur-3
056-598958, 598959, 598960
narayangarh@sanimabank.com
Bhandara
Main Road, Bhandara-1,
056-550656
bhandara@sanimabank.com
Tandi
Tandi, Ratnanagar-1
056-490670, 490837
tandi@sanimabank.com

Shangrila Development Bank Ltd.

Official Website
HakimChowk
Hakimchowk, Bharatpur-10
056-590054, 590655
NA
Narayanghat
Lionschowk, Bharatpur-3
056-596697, 596698
NA
Tandi
Sauraha Chowk, Ratna Nagar
056-563284, 563285
NA

Shine Resunga Development Bank Ltd.

Official Website
Narayanghat Branch
Sahid Chowk, Narayanghat
056-596307, 9857047149
narayanghatbranch@srdb.com.np

Siddhartha Bank Limited

Official Website
Bharatpur
Bharatpur-10, Chitwan
056-521981, 523191
sblbtp@sbl.com.np
Mangalpur
Mangalpur-15, Mangalpur
056-591911
sblmgl@sbl.com.np
Narayangarh
Bharatpur-4, Shahid Chowk
056-596127, 596128, 596129
sblngt@sbl.com.np
Padampur
Kalika-5, Padampur
NA
sblpdp@sbl.com.np
Tandi
Ratnanagar-08, Tandi
056-563143, 563145
sbltnd@sbl.com.np

Standard Chartered

Official Website
Narayangarh
Bhatbhateni Premises, Bharatpur-10
056-571277, 571278
NA
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Hotels and Resorts in Chitwan

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वर्षातले रोकिएको चितवन राष्ट्रिय निकुञ्जको जंगल सफारी सञ्चालन गर्ने तयारी

वर्षातले रोकिएको चितवन राष्ट्रिय निकुञ्जको जंगल सफारी सञ्चालन गर्ने तयारी

१ असोज, चितवन । वर्षातका कारण गत असार १६ गते देखि रोकिएको निकुञ्जको सफारी सञ्चालनको...
10 Must-Do Activities in Chitwan

10 Must-Do Activities in Chitwan

Chitwan National Park, nestled in the Terai region of Nepal, offers an array of exciting...
पटिहानीमा पर्यटकलाई नयाँ गन्तव्य ‘स्टोन पार्क’

पटिहानीमा पर्यटकलाई नयाँ गन्तव्य ‘स्टोन पार्क’

भरतपुरको पटिहानीमा ‘स्टोन पार्क’ सञ्चालनमा आएको छ। भरतपुर–२२ स्थित राप्ती नदीको सीमा क्षेत्रमा पार्क निर्माण...
Agricultural Development Bank Citizens Bank International Limited Everest Bank Limited Garima Bikash Bank Limited Global IME Bank Ltd. Himalayan Bank Ltd. Jyoti Bikash Bank Ltd. Kamana Sewa Bikas Bank Ltd. Kumari Bank Limited Laxmi Sunrise Bank Lumbini Bikas Bank Ltd. Machhapuchchhre Bank limited Mahalaxmi Bikas Bank Limited Muktinath Bikash Bank Ltd. Nabil Bank Limited Narayani Development Bank Limited Nepal Bank Limited Nepal Investment Mega Bank Ltd. Nepal SBI Bank Ltd. NIC Asia Bank Limited NMB Bank Prabhu Bank Limited Prime Commercial Bank Limited Rastriya Banijya Bank Limited Sanima Bank Limited Shangrila Development Bank Ltd. Shine Resunga Development Bank Ltd. Siddhartha Bank Limited Standard Chartered
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    पटिहानीमा पर्यटकलाई नयाँ गन्तव्य ‘स्टोन पार्क’

    पटिहानीमा पर्यटकलाई नयाँ गन्तव्य ‘स्टोन पार्क’

    भरतपुरको पटिहानीमा ‘स्टोन पार्क’ सञ्चालनमा आएको छ। भरतपुर–२२ स्थित राप्ती नदीको सीमा क्षेत्रमा पार्क निर्माण गरिएको हो। चितवन राष्ट्रिय निकुञ्ज...