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२९ माघ, २०७७
11th Feb, 2021
Sat, June 22, 2024
वि.सं २०८१ असार ०९,शनिबार

This Agriculture Loan is designed for providing loans to the agricultural firms/companies engaged in the production and distribution of agricultural products such as vegetables, fruits, livestock, poultry, dairy, fish etc. Commercially, this product further includes the purchasing of tractors (exclusively used for Agriculture), agricultural tools & machineries. In case of the firms, they should be legally registered and take permission from the concerned authority for the operation of the business.

Major highlights:

Loan Limit
  • The minimum loan amount to be NPR 0.3 Million and maximum up to single obligor limit.


Loan Tenure

  • The tenure of the overdraft loan shall be one year from the date of disbursement.
  • In case of term loan, the tenure of the loan is above one year and up to 10 years from the date of disbursement.

However, in the case of tractors and agriculture machineries & tools, the maximum loan tenure is up to 5 years from the date of disbursement.
Repayment
  • Interest can be paid either on monthly or quarterly basis in case of overdraft nature loans and in case of term loans principal and interest can paid on EMI basis or lump sum.
Eligibility
  • This loan may be granted to agriculture firms directly involved in agricultural sector.



Basic   Documents

The applicant should provide at least the following documents before initiation of the credit proposal.

  • Completed loan application form of the bank.

  • Details of the guarantors
  • Map of the applicant's residence and the to be purchased property
  • Copy of citizenship of applicant and the guarantors
  • Income source documents
  • Title deed of the related properties
  • Building completion certificate in case of purchase of land and building
  • Payment receipt of latest land revenue
  • Four boundaries certificate of the proposes collateral security
  • Blue print of land
  • Trace map of land
  • Other related document as necessary
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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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