Agricultural Loan
Our Agricultural Loan is designed to support firms and companies engaged in agriculture and forest-based activities. The loan aims to enhance productivity, expand operations, and promote sustainable agricultural development by providing flexible financing solutions based on the borrower’s capacity and business nature.
Eligibility Criteria
- A firm/company should be duly registered.
- The cash flow statement of the firm/company should be positive.
- The borrower should have experience in agriculture and forest-related activities with minimum land holding as per finance guidelines.
Loan Limit
Minimum: NPR 100,000
Maximum: NPR 40,000,000
Loan limits above NPR 40,000,000 shall be determined based on the nature of the firm/company, financial reports, period of operation, business plan, income sources, collateral, and other relevant factors.
Documents Required
- Loan application form duly filled by the applicant/authorized person.
- PP size photographs of borrower (2 copies) and guarantor (1 copy).
- Citizenship certificates of applicant and guarantor.
- Copy of Registration Certificate and PAN of firm/company.
- Copy of Memorandum of Association (MOA) & Articles of Association (AOA) in case of a company.
- Partnership deed in case of a partnership firm.
- Board Resolution/Minutes in case of a company.
- Audited financial statements of the last 2 years along with latest tax clearance letter.
- At least 3 years projected financial statements.
- Copy of land/building ownership certificate (Lalpurja).
- Documents showing sources of collateral (Rajinama, Anshabanda, Bakaspatra, etc.).
- Four Boundary Certificate (Char Kila).
- Blueprint map/trace map of proposed collateral land.
- Land revenue tax receipt (Malpot).
- In case of loan against building within municipality: Nakasapass, building construction approval, approved drawing plan, and building completion certificate.