Loan & Credit Schemes

Competitive Rates & Flexible Amortization Plans

Home Loan

Build your new home, buy an apartment, or renovate your existing building. We offer long-term loan terms with affordable monthly payments.

  • Financing: Up to 60% of valuation
  • Repayment Tenure: Up to 25 years
  • Rate: Competitive spreads
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Auto Loan

Finance your personal car, light cargo carrier, or green electric vehicles (EV) with attractive loan schemes.

  • EV Funding: Up to 80%
  • Term: Up to 7 years
  • Special interest rates for eco-transports
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Business Loan

Working capital term loans, bank guarantees, and overdraft facilities to manage your trade stock or expand assets.

  • Overdraft limit options
  • Flexible annual renewals
  • Custom collateral evaluations
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Agricultural Loan

Funding crop production, cold-storages, horticulture, and livestock operations. Subsidized interest limits as approved by central bank.

  • Subsidized NRB rate parameters
  • Flexible seasonal repayments
  • Free financial consultation
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Education Loan

Fund admission, college tuition, airfare, and maintenance for children going for university degrees abroad.

  • Payment directly to college registry
  • Moratorium during study periods
  • Co-applicant guarantees
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FD loan

Urgent cash loans backed against your fixed deposit certificates. Fast-processing with zero documentation barriers.

  • Loan: Up to 90% of FD value
  • Rate: +2.0% above FD certificate yield
  • Instant payout within hours
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Hire Purchase Loan

Asset financing options for heavy construction excavators, loaders, transport buses, and trailers.

  • Direct payouts to licensed dealers
  • Amortization mapped with earnings
  • Sound security valuation rules
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Share Loan

Pledge your listed corporate equities block as collateral. Access immediate cash limits matching NEPSE indexes.

  • Margin limits matching NRB rules
  • Direct broker account credit setups
  • Transparent portfolio valuation updates
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Personal Loan

Secure term credit loans backed by household properties to cover family emergency operations, marriages, or travels.

  • General individual applications
  • Minimum audit checks
  • Simple amortization guidelines
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Loan Product Enquiry

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