Major Highlights:

Loan LimitUp to NPR 7,00,000.00
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

Minimum of Bachelor Degree and not more than 40 Years of Age.

  • For a person qualified under foreign university such university shall be eligible for Equivalence under a Nepali University.
  • Minimum 7 days training regarding Entrepreneurship and Business Development Skills from government bodies like Gharelu Tatha Sana Udyog Karyalaya/Samiti , Sip Bikas Talim Kendra, Prabidhik Siksha Tatha Byawasaeik Talim Parisad.
  • A brief proposal regarding Business Operation and Loan utilization.
SecuritiesEducated Youth Self-employment Loan will be secured with mortgage of original academic certificates.
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
  • Additional document for Educated Youth Self Employment Loan:

    • Copies of original academic certificates
    • Training and skill development documents 

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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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