Micro Finance Service Apply NowLaxmi Bank understands the importance of establishing economically sustainable communities and the needs at grass root level to improve quality of life. Thus with aim to address these issues and to increase access to financial and banking services we have a growing portfolio of dedicated Retail Microfinance Loan products and loan officers to process requests at branch level from all our branches.These products are targeted and based on the demand from low income, socially excluded, underprivileged individuals and markets. We want to mobilize financial resources and support services for viable and productive income generation to individuals, micro and small scale enterprises as well as those involved in agriculture and associated value chain business.We also have a separate Agriculture Financial Service team at our head office in Hattisar that caters to your larger agriculture project based lending requirements. Quick LinksHome LoanHome Equity LoanGold LoanAuto LoanEducation LoanLoans Against SharesSana Byawasai KarjaLoan Against FD Special Features Flexible loan amountsLaxmi bank provides loan starting from a minimum of Rs.25,000. Equal Monthly InstallmentLaxmi bank approves of equal monthly installment with revolving loan. Maximum tenure up to 120 monthsSufficient tenure for relative loans. MFS Retail ProductLaxmi Laghu KarjaLaxmi Krishi KarjaLow Cost HousingSakchyam Udyami KarjaMicro MortgageElectric RickshawsLivestock Loan TractorThis is a microenterprise loan for individuals as well as firms/company (new and existing) engaged in any income generating activities. Type: Equal Monthly Installment and 1 year revolving loan (Overdraft) NPR 1,000,000Max loan Amount 120 monthsMax loan TenureTerms:Agricultural land accepted as collateralSelf declared income and projectionIndependent valuation of collateral from valuator not mandatoryThis is an umbrella product that covers financing of all agriculture activities and associated value chain as defined by Nepal Rastra Bank. Type: Equal Monthly or Quarterly Installment and 1 year revolving loan (Overdraft) NPR 10,000,000Max loan Amount 120 monthsMax loan TenureTerms:Agricultural land accepted as collateralUp to 90% financing available of collateral valuationSelf declared income and projectionHome loan for constructing low cost housing of the targeted segment that are presently living in slums/squatter. Type: Equal Monthly Installment NPR 400,000Max loan Amount 84 months**Max loan Tenure **including moratorium period of 4 monthsTerms:Loan administration fee - NILGroup guarantee arrangement available minimum 5 membersClients (individual or company) engaged in small business or agriculture activities referred by Laxmi Laghubitta Bittiya Sanstha for financing both working capital / capital expenditure. Type: Equal Monthly Installment NPR 1,000,000Max loan Amount 84 monthsMax loan TenureTerms:Self declared incomeIndependent valuation of collateral from valuator not mandatoryUnregistered mortgage supported by Rokka letter of land/building held as securityConstruction / Reconstruction of residential building on land owned by the borrower or his/her immediate family member referred by Laxmi Laghubitta Bittiya Sanstha or for victims affected by Earthquake of April 25, 2015 as per Nepal Rastra Bank’s guideline. Type: Equal Monthly Installment NPR 400,000Max loan Amount 72 months**Max loan Tenure **including moratorium period of 12 monthsTerms:100% of construction cost financedSelf declared monthly incomeUnregistered mortgage supported by Rokka letter of land/building held as securityFinancing of Terra brand E-rickshaw referred by Fair Auto Industries and their dealers. Type: Equal Monthly Installment NPR 300,000Max loan Amount 24 monthsMax loan TenureTerms:Financing up to 80% of tax invoiceRegistration of financed vehicle in Bank’s nameCommitment /Prepayment fee - NILLivestock financing to purchase of mature milk yielding cows/buffaloes. Type: Equal Monthly Installment NPR 400,000**Max loan Amount **per borrower (max 90,000 per cattle) 38 months**Max loan Tenure **including moratorium period of 2 monthsTerms:Age of animal must not be more than 7 years at the time of financingCattle financed by the Bank will be hypothecated to the BankRecommendation letter From the affiliated Milk Cooperative (where applicable)Finance purchase of tractors of approved brands for Agriculture purpose. Type: Equal Monthly Installment NPR 1,350,000Max loan Amount 60 monthsMax loan TenureTerms:Max 2 tractor units per borrower and 4 units per groupUp to 80% financing available of the tax invoiceTractor cost also includes financing of head, rotavator and levelerRegistration of financed vehicle in Bank’s name and registered mortgage over fixed asset covering 50% of loan amount.Brands financed: Escorts including Framtrac & Powertrac, Preet, SAME, Force/Balwan, Mahindra, Sonalika, IndoFarm, Swaraj, Massey-Ferguson, John Deere, CNH Industrial- New Holland& Case, Ace, Eicher, Deutz FahrBorrowing Power Calculator Loan Type Home loanHome equity loanAuto loanEducation loanLifestyle loan Gross Monthly Income? Loan Term Years Interest Rate % Calculate You could borrow up to Rs. 0 Your monthly repayment Rs. 0 These rates may be subjective to change according to NRB policiesApply for a loan -- Select province --Province No. 1Province No. 2Province No. 3Province No. 4Province No. 5Province No. 6Province No. 7 -- Select branch --Birgunj BranchJeetpur BranchBanepa BranchPokhara BranchHattisar BranchBiratnagar BranchPulchowk BranchNarayanghat BranchTeku BranchNew Road BranchJanakpur BranchNew Baneshwor BranchBhatbhateni BranchItahari BranchMaharajgunj BranchBhairahawa BranchLagankhel BranchNepalgunj BranchButwal BranchSukedhara BranchTaulihawa BranchDharan BranchDamak BranchCharikot BranchKhadichaur BranchHile BranchBirtamod BranchIlam BranchMahankal BranchWalling BranchKohalpur BranchDhangadi BranchBhaktapur BranchPokhara Industrial State BranchParsa BranchDamauli BranchGhorahi BranchShreenagar BranchBardibas BranchBhojpur BranchMusikot BranchLamahi BranchJaleshwor BranchLahan BranchHetauda BranchSamakhushi BranchKhusibu BranchKalanki BranchMahendranagar BranchSurkhet BranchDadeldhura BranchChaurjahari BranchKhalanga BranchBurtibang BranchGalyang BranchBaglung BranchRajahar BranchGaighat BranchRampur BranchKaushaltar BranchChautara BranchPanchkhal BranchBhakundebesi BranchHakimchowk BranchChipledhunga BranchOld Baneshwor BranchSalli Bazar BranchManigram BranchManthali BranchSindhuli BranchOkhaldhunga BranchPhidim BranchPhungling BranchJhalari BranchBauniya BranchMyagde BranchBhokraha BranchSimta BranchTinau BranchLalbandi BranchBelbari BranchManara BranchKhandadevi BranchDhorchaur BranchTribeni BranchKalaiya BranchLisankhupakhar BranchLekam BranchBalan Bihul BranchThechambu BranchSidingwa BranchBanphikot BranchDudhakoshi BranchChaukune BranchSanepa BranchManamaiju BranchPepsicola BranchHandigaun BranchKirtipur BranchBoudha BranchImadole BranchSalleri BranchTinpaini BranchGulariya BranchTulsipur BranchMelamchi BranchBhumahi BranchJimirebhar BranchChanauli BranchAmarsingh BranchBhaisepati BranchChapagaun BranchRajbiraj BranchRangeli BranchKapan BranchTahachal BranchChhinchu BranchGorusinge BranchPakadi BranchKakadvitta BranchPanauti BranchSundhara BranchMulpani BranchTokha BranchTamakoshi Branch Submit
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