Laxmi Bank’s Sana Byawasai Karja helps aspiring entrepreneurs grow their businesses in all markets across the country – urban, semi-urban, and remote. This loan is devised for small size business, and it is also convenient for startups that are less than a year old!Sana Byawasai Karja from Laxmi Bank can help you achieve your dreams of taking your cottage industries and startups to the next level. This loan is extended to finance all expenses related to:

  • Capital Expenditure:
    • Fixed Assets
    • Vehicles
  • Working Capitals:
    • Overdraft
    • Short Term Loan
    • Mid Term Loan
    • Trust receipt & Other Invoice Financing
You can either apply online or walk into any of our branches near you.

Special Features

Term Loan: Up to 10 years (Terminating, monthly or quarterly repayment).

Up to 80% financing of Net Trading Asset (Short term loan facility up to 70% of NTA).

Fixed Assets financing up to 75% of FMV (Vehicle financing up to 75% of tax invoice).

Financing Terms and Conditions

NPR 30 Mio

Max loan Amount

10 years

Max loan Tenure

*Loan Extension

Overdraft facility up to 70% of Net Trading Asset

Debt Service Coverage Ratio: 1.35:1 or better

FMV = 1:1 & (0.90:1 In case of Overdraft Only)

Minimum 5% for Bid Bond / Performance Bond

NPR 20 Mio

Max loan Amount

10 years

Max loan Tenure

*Loan Extension

Overdraft facility up to 70% of Net Trading Asset

Debt Service Coverage Ratio: 1.35:1 or better

FMV = 1:1 & (0.90:1 In case of Overdraft Only)

Minimum 5% for Bid Bond / Performance Bond

Borrowing Power Calculator

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Your monthly repayment Rs. 0

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