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Thursday, July 27, 2017

Loans and Advances » Micro Banking

Aam Nagarik Karja

Purpose:
  • All legally accepted income generating enterprises / entrepreneurs which falls in micro-enterprise category like small Hotel/ Guest House/Restaurant / Teashop, Hardware Shops, Stationery Shops, Boarding School, Garage / Repair Shops, Small Grocery Shops, Poultry Framing, Livestock, Beekeeping, Fishery, Furniture, Handicraft, Medicine Shop, Vegetable Farming, Hair Cutting and beauty Parlor, Tailoring / Cloth Shop, Fancy Shop, Small Factory / cottage industry, Food Shop, Taxi purchase, Foreign Employment and All other small size businesses.
  • Financing to existing as well as new small businesses/ individuals as mentioned above.

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 needs and short term cash requirements.

Limit: NPR 50,000 to NPR 1,500,000.00

Tenure:
  • Term loan :1 year to 5 years
  • Working capital: 1 year, Renewal yearly subject to satisfactory track record

Repayment modality:
  • Term loan: right
  • Overdraft: interest to be paid on montly/quarlerly basis
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