Loan & Credit Solutions

Transparent & Affordable Credit Facilities

We offer competitive interest rates, no hidden fees, personalized financial counseling, and prompt approval.

From 11.5% p.a.

Business & SME Loan

Working capital financing, commercial vehicle addition, stock purchase, and store renovation for retailers and manufacturers.

  • Limit: Up to NPR 50 Lakhs
  • Tenure: Up to 7 Years
  • Flexible quarterly/monthly EMI
Calculate EMI
From 10.5% p.a.

Agriculture & Dairy Loan

Concessional credit for farming, modern greenhouse setup, livestock cattle breeding, seed processing, and irrigation machinery.

  • Limit: Up to NPR 25 Lakhs
  • Seasonal Harvest grace period
  • Subsidized processing charges
Calculate EMI
From 11.25% p.a.

Home & Land Loan

Purchase residential land, construct your family home, or add additional floors with long repayment tenures up to 15 years.

  • Limit: Up to NPR 1 Crore
  • Tenure: Up to 15 Years
  • Fixed interest predictability
Calculate EMI
From 11.0% p.a.

Education Loan

Funding for higher undergraduate, postgraduate, engineering, medical, and overseas studies covering tuition and living expenses.

  • Limit: Up to NPR 30 Lakhs
  • Moratorium during study period
  • Quick embassy sanction letter
Calculate EMI
From 11.75% p.a.

Vehicle / Auto Loan

Own your private car, electric vehicle (EV), two-wheeler, or commercial transport vehicle with easy monthly payments.

  • Financing up to 80% on-road cost
  • Tenure: Up to 5 Years
  • Direct dealer payment
Calculate EMI
24-Hr Release

Emergency / Medical Credit

Fast-track financial buffer for unexpected hospital bills, medical treatments, and sudden household emergencies.

  • Limit: Up to NPR 3 Lakhs
  • Disbursed within 24 hours
  • Minimal collateral requirement
Calculate EMI

Interactive Loan EMI Calculator

Estimate your monthly installment (EMI), total interest, and total payable amount with our real-time calculator.

Monthly EMI Installment
NPR 16,494

Total Interest Payable NPR 93,784
Total Overall Payment NPR 593,784

How to Apply for a Loan

Our streamlined 4-step loan approval process ensures quick disbursement.

1. Submit Request

Fill out the loan inquiry form online or visit our branch with initial papers.

2. Field Verification

Our credit officer visits your enterprise or property for field evaluation.

3. Committee Approval

The loan committee evaluates the file and approves the loan within 48 hours.

4. Fast Disbursement

Collateral deed registration followed by instant credit into your account.

Submit a Loan Inquiry

Our senior loan consultant will review your inquiry and contact you with the best loan structure.

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