The sixth pillar is insurance. At the root of this industry are Nepal's most successful banks and it currently backs the nation's most essential industries from hydropower, finance and retail estate. Striving for quality and thus success is the core of our philosophy, but we understand that success is not always certain. Failure can be occassioned unknowingly or by accident; we ensure you're always prepared. Goyal is what the economy turns to when it - both - succeeds and fails.