Margin Lending

• Minimum amount of the loan shall be NPR 0.5 Million
• Maximum loan limit shall be as per NRB Directives.
• In case of personal share loan the Overdraft limit shall be maximum up to NPR 5 Million.

• Maximum one-year subject to renewal after review
  

• Interest can be paid either on monthly or quarterly basis in case of working capital nature loans and in case of fixed term loans principal and interest can paid on EMI basis or lump sum.
  

Financing

Calculation of Drawing Power:

Promoter’s Shares:

• 50% of weighted average price of last 180 days of Ordinary Shares                          
• Last traded closing price of promoter share                                                                     
• Limit/Finance (50% of A or B whichever is low)                                               

Ordinary Shares:

• Average of 180 days closing price of Ordinary share                                       
• Last traded closing price of ordinary shares                                                     
• Limit/Finance (65% of X or Y whichever is low)                                                

 The above are the prerequisites; however, the NRB directives to this effect shall supersede the criteria of calculation of the value of shares and percentage of financing over the value determined thereon.

• Should be a Nepali Citizen above 18 years or a firm/company incorporated in Nepal with concerned Government Authority. 
  

• Completed know your customer (KYC) form.
• Completed application form.
• Passport size photograph of the borrower and guarantor.
• Map of applicant’s and the guarantor’s residence.
• Copy of citizenship/passport of the applicant and guarantor.
• Proof of Income Source of the applicant.