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FOR INDIVIDUAL

For Companies

Subsidized Loan

  • Female Entrepreneurship Loan

  • Deprived Community Business Development Loan

  • Professional Agriculture & Livestock Loan

  • Higher & Technical Education Loan

  • Foreign Returned Youth Loan

  • Educated Youth Self Employment Loan

  • Construction Loan for Earthquake Affected Loan

Female Entrepreneurship Loan

Female Entrepreneurship Loan
  • Minimum Loan Amount – NPR 50K
  • Maximum Loan Amount – NPR 1 Mio
  • Minimum Tenor – 1 year
  • Maximum Tenor – 3 years
  • Minimum age ≥18 years for individuals.
Other Criteria
  • Given on Individual or Combined Guarantee.
  • Brief proposal on the business plan.
  • In case of group proposal – minimum 5 individuals from different family to be more than 18 yrs

Deprived Community Business Development Loan

Deprived Community Business Development Loan
  • Minimum Loan amount – NPR 50K
  • Maximum Loan Amount – NPR 700K
  • Minimum Tenor – 1 year
  • Maximum Tenor – 3 years
  • Minimum age 18 years. In case of a group proposal – minimum 5 individuals from similar caste/background to be more than 18 years.
Other Criteria
  • Given on Individual or Combined Guarantee for group
  • Brief proposal on the business plan.

Professional Agriculture & Livestock Loan

Professional Agriculture & Livestock Loan
  • Minimum Loan amount – NPR 50K
  • Maximum Loan Amount – NPR 700K
  • Minimum Tenor – 1 year
  • Maximum Tenor – 3 years
  • Minimum age ≥18 years
Other Criteria
  • Loan can be given on Combined Guarantee.
  • Brief proposal on the business plan.

Higher & Technical Education Loan

Higher & Technical Education Loan
  • Minimum Loan amount – NPR 50K
  • Maximum Loan Amount – NPR 350K
  • Minimum Tenor – 1 year
  • Maximum Tenor – 3 years
  • Minimum age ≥18 years for individuals
Other Criteria
  • Completed primary education or equivalent and age not exceeding 25 years
  • Studying or plan to study in any college/university in Nepal.

Foreign Returned Youth Loan

Foreign Returned Youth Loan
  • Minimum Loan amount – NPR 50K
  • Maximum Loan Amount – NPR 700K
  • Minimum Tenure – 1 year
  • Maximum Tenor – 3 years
  • Minimum age ≥18 years for individuals
Other Criteria
  • Project aligned to person skills to be considered as collateral
  • Minimum 6 months foreign experience. Permanent Resident/Green Card Holder of the foreign country not eligible for the loan.
  • Brief proposal on the business plan.
  • Not to exceed 3 years from date of return to Nepal.

Educated Youth Self Employment Loan

Educated Youth Self Employment Loan
  • Minimum Loan amount – NPR 50K
  • Maximum Loan Amount – NPR 500K
  • Minimum Tenor – 1 year
  • Maximum Tenor – 3 years
  • Minimum age ≥18 years
Other Criteria
  • Original Higher Education Certificates to be pledged with the Bank.
  • Minimum Bachelor’s Degree holder and age not exceeding 40 years.
  • Degree from foreign university to be listed in Nepalese university identified university list.
  • Should have minimum 7 days’ training from identified Government skill development training institutions.
  • Brief proposal on the business plan.

Construction Loan for Earthquake Affected Loan

Construction Loan for Earthquake Affected Loan
  • Minimum Loan amount – NPR 50K
  • Maximum Loan Amount – NPR 200K
  • Minimum Tenor – 1 year
  • Maximum Tenor – 3 years
  • Minimum age ≥18 years for individuals
Other Criteria
  • Client Should not have received any other grant other than from the Government
  • Should be identified by National Reconstruction Authority and loan to be taken within National Reconstruction Authority’s timeline
  • Client should not have other living facility in self or family members name
Other Common Criteria
  • Prospective individual can only avail one of these subsidised loan facilities
  • Firms registration documentations where applicable
  • Applicable Interest Rate is Current Base Rate + Premium of 2%
  • Interest subsidy of 5 to 6% depending on Loan type as per directive by Nepal Rastra Bank.
  • No additional fees charged
  • Individual/combined guarantees as applicable
  • Business Venture project to be appropriately insured. 25% premium to be borne by the client
  • Bank will monitor the end use of the loan and the business venture
  • Monthly EMI payments

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