Eligibility:
• Members eligible as per the financial institution’s loan policy 2077.
• Members with good income from projects or other sources.
• Members without monthly obligations at other financial institutions.
Loan Amount: Maximum NPR 25,000.
Collateral: No collateral required.
Repayment Period: Maximum of 12 months.
Installment Repayment: Monthly installments with a grace period of up to 3 months (interest payable
monthly).
Interest Rate: 15% per annum. | Service Charge: 1.3%

Eligibility:
•Nepali citizen aged 18-60.
•Member of a recognized group by the financial institution.
•Permanent resident within the institution’s operational area.
Loan Amount: Maximum NPR 10,000 | Maximum: up to NPR 700,000 for regular borrowers.
Collateral: collateral required (Group guarantee)
Repayment Period:Up to 4 years for loans up to NPR 300,000 | Up to 5 years for loans above NPR 300,000.
Installment Repayment: Monthly or quarterly installments
Interest Rate: 15% per annum.
Service Charge: 1.3% of the loan amount.

Eligibility:
• Must be the members of the institution.
•Family members of the institution’s members who are planning to go abroad for employment.
•Individuals seeking employment in countries approved by the Government of Nepal for foreign employment.
•Members who meet other eligibility criteria as per the institution’s policies and procedures.
Loan Amount: Minimum NPR 10,000 | Maximum NPR 300,000 for group-guaranteed and Maximum up to NPR 700,000 with collateral for countries like Japan, Korea and European countries going for employment purpose only.
Collateral: collateral required.
Repayment Period: The repayment period will be determined based on the duration of the foreign employment contract.
Installment Repayment: Monthly installments with a grace period of up to 3 months (interest payable monthly).
Interest Rate: 15% per annum.
Service Charge: 1.3% of the loan amount.

Eligibility:
•Nepali citizen aged 18-60.
•Member of a recognized group by the financial institution.
•Permanent resident within the institution’s operational area.
•No collateral-based loans from other institutions.
Loan Amount:Minimum: NPR 100,000 | Maximum: NPR 700,000 for regular borrowers.
Collateral: Collateral required (land, house, or other assets).
Repayment Period:Up to 10 years
Installment Repayment: Monthly or quarterly installments
Interest Rate:Determined by the pricing committee.
Service Charge:1.3% of the loan amount.

Eligibility:
•Nepali citizen aged 18-60.
•Member of a recognized group by the financial institution.
•Permanent resident within the institution’s operational area.
•No collateral-based loans from other institutions.
Loan Amount:Maximum: NPR 300,000.
Collateral: Collateral required (land, house, or other assets).
Repayment Period:Up to 4 years
Installment Repayment: Monthly or quarterly installments
Interest Rate:Determined by the pricing committee.
Service Charge:1.3% of the loan amount.

Eligibility:
• Must be a member of the institution.
• Must have a regular source of income or be engaged in a profitable business.
• Must meet the institution’s financial discipline criteria.
• Priority given to poor and marginalized communities, small business owners, and women entrepreneurs
Loan Amount:Minimum NPR 10,000 | Maximum NPR 300,000
Collateral:For group-guaranteed loans: No collateral required for individual loans: Collateral valuation is mandatory. The valuation must be conducted by a registered engineer or financial institution employee.
Repayment Period: Maximum of 12 months.
Installment Repayment:A grace period of up to 6 months is available during the construction
period, during which only interest payments are required.
Interest Rate: 15% per annum.
Service Charge: 1.3% of the loan amount.

Eligibility:
•Nepali citizen aged 18-60.
•Member of a recognized group by the financial institution.
•Permanent resident within the institution’s operational area.
•No collateral-based loans from other institutions.
Loan Amount:Maximum: NPR 50,000
Collateral: collateral required (Group guarantee)
Repayment Period:Up to 4 years for loans up to NPR 300,000 | Up to 5 years for loans above NPR 300,000.
Installment Repayment: Monthly or quarterly installments
Interest Rate:Determined by the pricing committee.
Service Charge: 1.3% of the loan amount.

Eligibility:
•Nepali citizen aged 18-60.
•Member of a recognized group by the financial institution.
•Permanent resident within the institution’s operational area.
•No collateral-based loans from other institutions.
Loan Amount:Maximum: NPR 150,000 (up to 80% of project cost).
Collateral: collateral required (Group guarantee)
Repayment Period:Up to 2 years
Installment Repayment: Monthly or quarterly installments
Interest Rate:Determined by the pricing committee.
Service Charge:1.3% of the loan amount.

Eligibility:
•Nepali citizen aged 18-60.
•Member of a recognized group by the financial institution.
•Permanent resident within the institution’s operational area.
•No collateral-based loans from other institutions.
Loan Amount:Minimum: NPR 100,000 | Maximum: NPR 700,000
Collateral: Collateral required (land, house, or other assets).
Repayment Period:Up to 10 years
Installment Repayment: Monthly or quarterly installments
Interest Rate:Determined by the pricing committee.
Service Charge:1.3% of the loan amount.