Sajilo Laghu Karja

Sajilo Laghu Karja has been categorized on two different segments:

  • Nyuna Lagat AawasKarja Loan (up to NPR 0.4 Million)
  • Sajilo Laghu Karja  (up to 1.5 Million)


  • 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.
  • To fulfill a financing requirement to purchase land & building or construction of building as qualified under deprived sector lending for low-cost housing as per NRB directives.

  • Up-to 60% of property value (Depend upon location and nature of loan).
  • Maximum Tenure: up to 20 years.
  • Nature of loan: Term/OD.

  • 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.