New or already established firms/partnership firm/ company/institutions subject to conditions as stipulated in NRB Directive 9: Paid up capital: upto 50 lakhs, Fixed assets: upto 5 crores, Engaged in production or service sector, Self engagement of the business owner
2. Business Type
Proprietorship Firm, Partnership Firm, Company
3. Target Customer
MSME segment engaged in production and service sector
4. Financing Criteria
OD loan maximum upto 70% of working capital requirement subject to coverage of collateral
Term Loan upto 80% of project cost subject to coverage of collateral
5. Loan Amount
Minimum Loan amount: NPR 3 lakhs
Maximum Loan amount: NPR 1 crores
6. Interest rate: Competitive interest rates. Click here
7. Collateral
Land and Building and other Intangible securities
8. Nature of Facility
Revolving
Non-revolving
9. Tenure
OD/Working capital loan shall be revolving in nature and will be provided for 1 year and shall be renewed on satisfactory performance
Term Loan shall be non-revolving in nature and shall be provided for 5 years
10. Repayment Modality
Interest of OD loan shall be monthly or quarterly
EMI or EQI in case of Term Loan
आवश्यक कागजातहरू
Duly filled loan application form of bank
Photograph and Copy of citizenship of applicant and the guarantors
Copy of PAN certificate
Copy of registration of the business
Last two years audited financial statement and three years projected financial statement