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Loans and Advances » SME Banking
International Easy SME Loan
Purpose
Businesses (new start-ups or existing ones) already engaged in or in the process of getting engaged in agriculture, trading, service and manufacturing activities shall be eligible to avail credit facility (funded and/or non-funded) under this product.
Term Loan
- Investment in fixed assets such as construction, plant and machinery, equipment and vehicle etc. including project financing
Working Capital (Overdraft/Short term loan/Demand Loan)
- Assist enterprises/entrepreneurs to meet their working capital requirements
Non-fund based facilities such as Bank Guarantees: (Bid Bond/Performance Bond/Advance Payment Guarantee)
Limit
- Funded facility of NPR 0.5 Million to NPR 25.0 Million
- Non-funded facility of maximum NPR 50.0 Million
Repayment Modality
- Term Loan: EMI/Monthly/quarterly/semi-annually/yearly/seasonal/ballooning.
- Overdraft Loan: Interest to be paid on monthly / quarterly basis.
Tenure
- Term loan: 1 year to 5 years
- Overdraft: 1 year, Renewal yearly subject to satisfactory track record.
International Nari Sworojgar Karja
Purpose
Businesses (new start-ups or existing ones) already engaged in or in the process of getting engaged in agriculture, trading, service and manufacturing activities which have a woman in the key executive position with significant shareholding of the company shall be eligible to avail credit facility under this product.
Term Loan
- Investment in fixed assets such as construction, plant and machinery, equipment and vehicle etc. including project financing
Working Capital (Overdraft/Short term loan/Demand Loan)
- Assist enterprises/entrepreneurs to meet their working capital requirement.
Non-fund based facilities such as Bank Guarantees: (Bid Bond/Performance Bond/Advance Payment Guarantee)
Limit
- Funded facility of NPR 0.5 Million to NPR 25.0 Million
- Non-funded facility of maximum NPR 50.0 Million
Repayment Modality
- Term Loan: EMI/Monthly/quarterly/semi-annually/yearly/seasonal/ballooning.
- Overdraft Loan: Interest to be paid on monthly / quarterly basis.
Tenure
- Term loan: 1 year to 5 years
- Overdraft: 1 year, Renewal yearly subject to satisfactory track record.
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