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* Available at HeadOffice and Trishuli branch
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Loan and Advances

1. Home Loan
Purpose :Construction of new building, purchase of constructed building, renovation of old Building.
Available To :All natural people having proven regular source of income.
Criteria/Eligibility :
Monthly savings should comfortably cover monthly EMI amount to be paid
Applicant should be below 60 years of age
Loan Limit :Maximum 50 lakhs

2. Hire Purchase Loan
Purpose :To Purchase Private or Public Vehicle for personal and/or business use.
Available To :All person/institution having proven regular source of Income.
Criteria/Eligibility :
Monthly savings should comfortably cover monthly EMI amount to be paid
Applicant should be below 60 years of age
Applicant should have own or third party collector at our operation region.
Loan Limit :Up to 70 percent of invoice amount

3. Auto Loan
Purpose :To Purchase Two Wheeler
Available To :All person /Institution having proven regular source of Income.
Criteria/Eligibility :
Monthly savings should comfortably cover monthly EMI amount to be paid
Applicant should be below 60 years of age
Loan Limit :Up to 70 percent of invoice amount.

4. Business Loan
Purpose :To start new business/improvement of existing business
Available To :All business person/institution having regular source of income.
Criteria/Eligibility :
Business Income should comfortably available to serve the loan.
Business should be legally registered in appropriate Government Authority.
Loan Limit :
Depends on Business size.

5. Loan Against FD

Purpose :To meet temporary personal financial needs of our FD account holders
Available To :
FD account holder of our bank.
Criteria/Eligibility :Loan expiry period shall be less than FD maturity period.
Loan Limit :Upto 90% of total FD amount.

6. Agriculture Loan
Purpose :To extend or start Commercial Agriculture business.
Available To :All person /Institution having proven regular source of income.
Criteria/Eligibility :
Monthly savings should comfortably cover monthly EMI amount to be paid
Applicant should be below 60 years of age
Loan Limit :Depends upon the Agriculture Project Size.

7. Education Loan
Purpose :To intelligent student who want to peruse for Higher Degree/Special Skill / abroad study
Available To :All students perusing for Higher Education (Graduate & Above level)
Criteria/Eligibility :
Parent has permanent and regular income source
Subject of abroad study should be graduate, postgraduate.
Applicant should be between 18-35 years of age
Loan Limit :
Up to 10 lacs for Nepal and SAARC Country
Up to 20 lacs for other foreign country

8. SME Loan
Purpose :To start new business/improvement of existing small size indigenous / Local business.
Available To :All small entrepreneurs having Good reputation and business skills.
Criteria/Eligibility :
Monthly Business income should be greater than monthly payable interest for purposed loan.
Business should be legally registered in appropriate Government Authority (not required for loan upto 3 Lakhs).
Applicant should have own sufficient collector at our operation region.
Loan Limit :Depends on Business size.

9. Yuwa Sworojgar Karja
Purpose :To start poultry business /Agro based business.
Available To :All un-employed persons having Very Good reputation in local community
Criteria/Eligibility :
Monthly income from proposed project should be greater than monthly EMI amount of loan.
Group Guarantee and other conditions apply.
Loan Limit :Up to Rs 2 lakh per individual.

10. Overdraft Facility
Purpose :To fulfill the short term financing gap of the existing business
Available To :All Business person /Institution having proven regular source of Income
Criteria/Eligibility :
Business income should be comfortably available to serve the loan.
Business should be legally registered in appropriate Govern Authority.
Loan Limit :Depends on Business size.

11. Term Loan
Purpose :To commence new project, to assist financially in procuring of Capital Goods
Available To :All Business person /Institution having proven regular source of Income.
Criteria/Eligibility :
Monthly income should be greater than EMI amount of the purposed loan.
Business should be legally registered in appropriate Government Authority.
Loan Limit :Depends on Business size.

12. Personal Loan
Purpose :To meet expenses of personal nature like wedding, party, purchase of personal appliances, to buy jewelry etc.
Available To :All natural persons having proven regular source of Income.
Criteria/Eligibility :Monthly savings should be greater than EMI amount of the purposed loan.
Loan Limit :Maximum 10 Lakhs