130 branches across the country, and has recently begun offering demat and merchant-banking services. It supports financial inclusion through initiatives like financial literacy programs and a recent MoU with Nepal Micro Insurance, and in the fiscal year 2080/81 it distributed a combined 12% dividend (7% bonus shares and 5% cash), demonstrating both strong performance and shareholder commitment. Guided by values of excellence, innovation, customer focus, and good governance, Kamana Sewa continues collaborating with regional insurers and contributing to national development through expansion and digital innovation