Major Highlights:

Loan LimitUp to NPR 500,000,000.00*
Loan Tenure
  • Tenure of the Loan under this product paper shall not exceed Maximum of 5 Years except for Agriculture Business Loan in which case it can be up to 10 years however subsidy will be available for 5 years only.
  • Tenure of loans should be determined on the basis on nature of business
  • Loan repayment schedule shall be prepared considering the type of loan, amount, purpose and risk associated with the loan product.
  • Nature of Loan can be Term or Overdraft.
Eligibility
  • In case of Individual, Not less than 18 Years of Age.
  • For Group Guarantee Loan of less than 10 lakhs, documents related to Guarantee.
  • Applicant shall be a registered entity for loan amount exceeding 10 lakhs and a registered company for loan amount of 1 Crore or more.
  • Shareholders of the registered entity or company shall be a Nepali citizen only.
  • A brief proposal regarding Business Operation and Loan utilization however a Detailed Project Report is required for the Loan amount more than 10 lakhs.

Securities
  • Loan up to 10 Lakhs can be secured through Group Guarantee
  • Loan more than 10 lakhs will be secured through mortgage of Business Project.
  • Feasibility of the business project shall be considered as a primary condition for this loan product.
Basic Documents
  • Loan Application Form
  • Business Registration documents from appropriate authority
  • Copy of Permanent Account Number (PAN)
  • Copy of Citizenship document
  • A brief proposal regarding Business Operation and Loan utilization, Detailed Project Report for Agriculture Business Loan more than 10 lakhs.
  • Self-declaration Regarding No Blacklisting under Credit Information Bureau.
  • Group Guarantee documents for loans involving Group Guarantee.
  • Separate files and Index documents for Loans Under this product paper

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Fd Rates
Fixed Deposits

9.00%

Less Than 2 Cr

Individual Deposit (2 Yrs < 30 Mth)

9.00%

Less Than 2 Cr

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