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SERVICES PAGES

Overdraft Loan

 Overdraft  Loan : This loan is provided to faithful and good ethics on economic activities customers. This is given upto limit which can be taken at once or time to time.    

Other Features:
  • Collateral for product.
  • At least 8 feet wide, motorable access/or goreto,ghoreto path access.
  • Free of guthi or mohi
  • Far from high tension line
  • Third Party Collateral-not acceptable
Interest Rate
As published by the Bank in media time to time
Pricing and Charges
  • Loan Processing Fees/Service Charge taken up front.
    0.5 - 2% of loan amount
  • Documentation Fee:
    Rs. 500 to 2000
  • Prepayment Criteria
    2% of loan outstanding in case of Part Payment, loan take over or settled before servicing of installments.
  • Valuation Charge
    0.2% of Fair Market Value or minimum NPR 5,000/- whichever is higher and NPR 1,500/- per progress report incase of construction loan.
    Insurance of the mortgaged building with Fire, ES, RSD, MD & Terrorism risk coverage (if any)
  • Penal charge
    2% of total loan outstanding for the defaulted period.
  • CIC Charge
    NPR 250/- per page on actual basis.
  • Mortgage/Rokka cost:
    On actual basis based on loan size and location of property to be mortgaged.