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Saturday, November 25, 2017

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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