Get in Touch
२९ माघ, २०७७
11th Feb, 2021
Wed, July 17, 2024
वि.सं २०८१ साउन ०२,बुधबार

SME Loans are meant for all Small and Medium Enterprises. The primary aim of SME loans is to help enterprises meet all their business needs that may arise from time to time without facing any difficulties. This includes requirements such as the launch of a new product range, expansion of business, warehousing needs, purchasing any new equipment and short or long term working capital requirement.

Major highlights:

Loan Limit

The minimum loan amount to be NPR 0.3 Million and maximum up to NPR 10 Million

Loan Tenure

The maximum tenure of the loan shall be one year subject to be renewed in case of revolving loan whereas in the case of fixed term loan etc., the tenure of the loan shall be more than one year and up to 15 years per the nature of the project and the requirement of the customer.


Interest and installment can be paid on EMI basis.


Before approval of working capital nature loans

  • The amount of stock and receivables should be taken as a basis for determining the loan limit
  • The loan amount should not exceed 70% of Net Working Capital (stocks+ receivable- creditors)
  • Trade Advances may be considered, if the advance is provided as per business practice for that type of business

 For Term Loan Nature Loan, Loan Limit shall not exceed 80% of the total assets financed.


Loan to be granted to already established or newly established firms/ Partnership firms/Company/ Institutions up to NPR 10 Million shall be provided as SME Loan.

Basic Documents

The applicant should provide at least the following documents before initiation of the credit proposal.

  • Completed application form of the bank.
  • Firm/Partnership/Company Registration paper.
  • PAN copy
  • Latest tax clearance receipt/ tax payment receipts
  • Article of Associations/Memorandum of Associations (In the case of companies)
  • Board minutes regarding loan amount /Authorize signatory for operation of account
  • Details of the guarantors
  • Copy of citizenship of Proprietor/Partner/Shareholders and the guarantors
  • Title deed of the related parties.
  • Payment receipt of latest land revenue
  • Four boundaries certificate of the proposed collateral security
  • Blueprint of land
  • Trace map of land
  • Other related documents as necessary
Apply Now
Fd Rates
Fixed Deposits


Less Than 2 Cr

Individual Deposit (2 Yrs < 30 Mth)


Less Than 2 Cr

Individual Deposit (2 Yrs < 30 Mth) More Rates
Open Fixed Deposite
Product Comparison