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    Need extra funds to achieve your personal or professional goals?

    Kamana Sewa Sajilo Laghu Karza has got you covered! Our hassle-free loan with minimum interest rates and an extended payback period can help you finance your dreams. Just mortgage your fixed assets and watch your financial worries disappear!


    • To fulfill the financing requirement of a customer against mortgages of real-estate collateral.
    • Purchase of land and buildings and construction of house.
    • Renovation and extension of existing house.
    • Equity financing to meet a financial requirement of a client, etc.


    • Maximum loan limit of NPR 2.5 million.
    • Maximum Tenure: up to 30 years.
    • Nature of loan: Term/OD.
    • Repayment:
      • Term Loan : EMI Basis
      • Over Draft Loan: Monthly/Quaterly Interest
    • 30% of Fair market value (FMV) for collateral inside Kathmandu Valley and 40% of FMV for collateral outside Kathmandu valley

    Required Documents

    • Passport size photo of applicants / guarantor.
    • Copy of citizenship document of borrowers / guarantor.
    • Nature of loan: Term/OD.
    • Copy of Land ownership document (lal purja).
    • Copy of Transfer deed (Rajinama) if cooling period is not complete.
    • Blue Print of Land.
    • Building construction approval from Municipality / VDC along with drawing plans (applicable where building is involved).
    • However, drawing of building is not mandatory for Loan size up to 0.4 million.
    • Char Killa (four boundary).
    • Land revenue Tax Receipt (malpot receipt).
    • Income certifying document (Salary letter, Audited balance sheet, rental agreement etc).
    • Minimum Age of 18 years completed. Maximum age 70 years at the time of maturity.
    • Building completion certificate from Municipality/VDC in case of readymade house purchase and loan against property.
    • Income may be self-declared by borrower and/or certified by concerned authority.