Kamana Sewa Sajilo Karja

Bank have designed KSBBL Sajilo Karja with simplified and easy procedure. The product is designed in two different segments as belows:

Sajilo Byabasaya Karja (SBK)

To finance working capital and/or capital expenditure for establishing or expanding any types of income generating small and micro enterprise business activities qualified under deprived sector lending as per NRB directives.

Sajilo Krishi Karja (SKK)

 Purpose:  To finance working capital and/or capital expenditure for establishing or expanding agricultural project based income generating activities such as Cold storage, Dairy, Fishery, Poultry, Fruit and flower farming, Fertilizer, pesticides and insecticides, Medical herbs (Jadibuti), Tobacco, Jute, other cash crops, sugarcane, big cardamom and ginger and other farming, animal husbandry and slaughter house, bee keeping and other agriculture related business and to purchase agriculture equipment such tractor, thresher and other agriculture equipment as per NRB directives on DSL.

SBK

• Term Loan (TL) (Maximum for 10 years).
• Overdraft (OD).
• Maximum NPR 1.5 Million.
• Up-to 70% of property value (Depend upon location and nature of loan).

SKK

• Up-to 70% of property value (Depend upon location and nature of loan).
• Term Loan (TL) (Maximum for 10 years).
• Overdraft (OD). 
• Maximum NPR 1.5 Million.
• For financing agricultural equipment, such loan may be sanctioned up to 80% of invoice value of equipment subject to mortgage of additional collateral security.
• In the form of land and building upon Bank's satisfaction..

SBK

• Copy of Citizenship certificate of borrower/guarantor(s).
• Registration documents of business.
• Documents proving income source for repayment (projected/ self-declared business income, household income of proprietor and his undivided family members).
• Properly filled loan application form as prescribed by Bank. 
• Security documents such as credit facility offer letter, promissory note, loan deed, personal guarantee, and mortgage deed as prescribed by Bank’s CPG.
• Copy of Land Ownership Registration Certificate (Lalpurja) Land Revenue paid receipt, four boundary certificate, blue print and trace map.
• Registration mortgage of additional security in form of land and building.

SKK

• Copy of Citizenship certificate of borrower/guarantor(s).
• Registration documents of business.
• Documents proving income source for repayment (projected/self-declared business income, household income of proprietor and his undivided family members).
• Properly filled loan application form as prescribed by Bank. 
• Security documents such as credit facility offer letter, promissory note, loan deed, personal guarantee, and mortgage deed as prescribed by Bank’s CPG.
• Copy of Land Ownership Registration Certificate (Lalpurja) Land Revenue paid receipt, four boundary certificate, blue print and trace map.
• Registration mortgage of additional security in form of land and building.

Pricing

• Interest rate: Base Rate + 2% risk premium.
• Loan processing fee: Nil.
• (Pricing may be change as per change NRB's directive on time to time base).