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General Micro Finance

For financing general micro finance loans to marginalized and low income groups of society as per Nepal Rastra Bank’s Directive under deprived sector lending.

Type of Loan

  • Term Loan
    • Wholesale loans to registered institution
    • Loans to members of partner institutions


  • Registered institution involved in providing Micro Finance services
  • Individuals – members of partner institutions

Registered Institutions

  • Should be registered with concerned authority of Government of Nepal.
  • Cooperatives, Financial intermediary Non-Profit Organizations (FINGOs) involved in providing Micro Finance services with at least 2 consecutive years of net profit.
  • The entities should have a provision of collecting savings, mobilizing credit and borrowing loans from other institutions in its charter/Memorandum of Article/Articles of Association.


  • Member of partner institution
  • Such individuals should be screened and recommended by the partner institution
  • Agreement between the Bank and partner institution is required for financing through joint collaboration

Loan Amount

  • Minimum loan size - NPR 300,000/-
  • Maximum loan size - NPR 10,000,000/-
  • Loan amount should not be >25% of the institution’s total loan portfolio.


Maximum up to 5 years


Equated Monthly Installment (EMI) /Equated Quarterly Installment (EQI).

Basic Documentation

  • Loan Application.
  • Photograph and citizenship of the applicant, in case of individual applicant.
  • Proof of membership of partner institution, in case of individual applicant.
  • Formal agreement between the Bank and partner institution, in case of member of partner institution.
  • Recommendation letter from partner organization, in case of member of partner institution.
  • Location map of the applicant’s residence.
  • Photograph and citizenship of proprietor/ partners/ members of Board of Directors/ Committee members in case of institution as applicable.
  • Certificate of registration (renewed) and PAN in case of institution.
  • Memorandum of Association, Articles of Association, Charter of the institutions, as applicable.
  • Proof of Board of Director’s decision to avail credit line and formal authorization to a maximum of two employees to work with the bank regarding the pursuit.
  • Latest list of the board of directors certified by the company secretary / management.
  • Audited/provisional financial report of last two years in case of institution. Self-declared financial statement in case of individual.
  • Details should be provided of income earned from other sources than the proposed project (where applicable).
  • Business Plan of the institution (where applicable).
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