May 4, 2024
upakar.banke1@gmail.com +977-081-540744, 542053
upakar.banke1@gmail.com +977-081-540744, 542053
Loans are basically attributed to the borrowers to be repaid on pre-agreed time-frame with principal premium and interest. The products shall be devised and designed for Income Generating Activities (IGA). The underlying objective is to ensure repayment on time or as agreed beforehand prior to sanctioning of the credit services and hence, the credit lines shall be assessed on the basis of the repayment capacities envisioned at the time of request of the Loan facilities. Loan services will be provided under limit of NRB guidelines. Loan products are as follows.
After completion of compulsary group trainning, the members will be eligible to take Loan. Clients will choose their projects as per their own knowledge about any kind of activities, and can submit loan application at the center.This loan will be available to the clients based on performance and repayment trend in the sequence.
The loan limit, pricing and tenure are subject to change within the framework of NRB directives.( Loan limit not more than 500000, beginning maximum upto 200000 NRs for first loan cycle).
The loan limit, pricing and tenure are subject to change within the framework of NRB directives Rs.20,000 up to Rs.1,00,000 to the members who have been able to run General loans, Interest rate 15%
This is collateral based loan. Besides the Income Generating Loan (IG Loan) , UMBSL will provide ME loan to fulfill the requirements of the micro entrepreneurs.The upper limit for this loan will not be more than mentioned in NRB guidelines.( Not more than 1500000. per borrower).
To build a new house for the uninhabited residence of the members And mortgages of up to Rs. 700,000 and Rs. 500,000 without collateral to secure the property.
The loan limit, pricing and tenure are subject to change within the framework of NRB directives.
| SN | Purpose | First Time | Maximum Limit | Interest Rate | Repyement |
|---|---|---|---|---|---|
| 1 | Land Purchase | 200000 | 500000 | 15% | 14 days/Monthly |
| 2 | House Construction | 200000 | 500000 | 15% | 14 day/Monthly |
| 3 | House Repair | 70000 | 300000 | 15% | 14 days/Monthly |
| 4 | Drinking Water, Electricity and Solar | 70000 | 100000 | 15% | 14 days/Monthly |
| 5 | Add room and house | 70000 | 100000 | 15% | 14 days/monthly |
To members who have been able to run other loans Contingency Rs.10,000, Interest rate up to 15% The loan limit, pricing and tenure are subject to change within the framework of NRB directives.( Loan limit not more than 10000.
Loans can be provided for the higher education of the sons and daughters of the group members. This loan will be disbursed to the member who repaid the earlier General loan.Loan Limit not more than 50000 .
Kohalpur-11, Pipal Chautara, Banke, Nepal
Phone: +977-081-540744, 542053
Fax: +977-081-540744
Email: upakar.banke1@gmail.com
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