The article discusses how the growth of financial institutions in Nepal may not be enough to ensure sustainable access to finance for all. While there has been a significant increase in the number of people using banking services, the expansion of these institutions is mainly focused in urban and privileged areas, leading to unequal access. The study suggests that simply having more banks and financial institutions is not sufficient to guarantee sustainable access to finance. It emphasizes the importance of financial literacy among people in both urban and rural areas as a key factor in enhancing access to finance and ensuring its sustainability.