50,00,00,000. The private sector bank will acquire 26.45 million equity shares of microfinance company Sonata, of face value 10 rupees each fully paid up, for a total consideration of approximately 5.37 billion rupees, the private lender said in an exchange filing It has a reserve and surplus of Rs 74.90 crore. This is 14.96% more than the previous year. List Of Commercial Banks, Development Banks, And Financial Institutions [1] Class D: Micro Finance Financial Institutions [ edit] Micro finance financial institutions are rated as Class "D" banks by the Nepal Rastra Bank. Its reserve fund has increased by 594.37% and reached Rs. Sadhana Microfinance is the biggest reserve fund. 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