नेपाली 
Branch 
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Loans
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We offer different types of term bank loans in Nepal including personal, mortgage (home), business, livestock, vehicle (auto), or educational borrowings. Our term loans are competitive in interest rates, offer smooth procedure, and provides support through all channels with affordable administrative fee.
Education Loan
"NIC ASIA Education Loan"is a simplified and flexible student loan for your higher studies. The education loan is a collateral-based term loan specially designed to facilitate your higher education financial requirements in Nepal or abroad.
- Loan amount minimum NPR 0.3 million to maximum NPR 10 million.
- Flexible repayment options.
- Eligibility minimum 18 years and a maximum of 70 years.
Personal Loan
"NIC ASIA Personal Loan" is a non-collateral based loan scheme specially designed to facilitate your diverse personal financial requirements if you are a Nepalese Salaried individual.
- Loan amount maximum : Up to NPR. 15 Lakh, where Overdraft/Demand Loan shall be within NPR. 5 Lakh.
- Term Loan and Overdraft/ Demand Loan.
- Term Loan : Up to 5 Years.
Auto Loan
"NIC ASIA Auto Loan" is an exclusive financing option to “move in style” by owing a vehicle of your own choice. It aims to support you as our esteemed customer to procure any type of four-wheeler and above vehicle with a comfortable Equated Monthly Installment (EMI) payment option.
- Loan Tenure maximum Up to 15 Years*.
- Loan available for every types of Vehicle.
- Petrol/ Diesel Vehicle - Up to 50% of the VAT bill ,Electric vehicle - Up to 80% of VAT bill.
Loan against Mortgaged Property
We bring varieties of mortgage loan facilities against mortgage of the financed property if you are looking for the best financing schemes to fulfill your various personal requirements like investment plan, purchase of property, renovation/extension of an existing house, construction of a new house, etc.
- Loan Amount Minimum NPR 0.4 million to maximum NPR 80 million.
- Competitive Interest Rate.
- Maximum up to 70% of the Fair Market Value of the property based on the Bank’s valuation report.
Employer’s Overdraft Loan
"NIC Asia Employer’s Overdraft Loan" is the hassle-free option for the same with the attractive features enabling fast and flexible processing.
- New Business or Existing business.
- Minimum Loan amount Rs 2 lakhs
- Maximum Loan amount upto Rs 10 Lakhs
- Competitive Interest Rate.
Commercial Agricultural and Livestock Loan
"Commercial Agricultural and Livestock Loan" is a subsidized loan product to meet the financing requirement of businesses.
- Maximum loan up to NPR 100 Million per unit.
- Subsidy on pricing as circulated by Nepal Rastra Bank from time to time.
- New Business or Existing business.
Deprived Sector Loan
NIC ASIA Bank has been providing "Deprived Sector Loan" through Direct Lending to the individuals (Direct Financing), Subsidized loans (As per the Nepal Rastra Bank provision) and Wholesale Lending (Indirect Financing) to the financial institution involved in microfinance activities.
- Easy and hassle free loan processing.
- Loan available from all branches throughout the country.
- Competitive Interest Rate
Loan Against Share
NIC ASIA BANK presents loans against share facilities with the industry’s lowest Interest Rate where customers can avail loans for ordinary shares of banks/ financial institutions, insurance companies, and various other companies listed on the Nepal Stock Exchange.
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२४ सर्वश्रेष्ठ सुविधाका साथ एन आई सी एशिया बैंक प्रस्तुत गर्दछ, सर्वश्रेष्ठ बचत तथा मुद्दती खाता ।
अब एउटै खातामा प्राप्त गर्नुहोस्, ८४ लाख रूपैयाँसम्मको बीमा सम्बन्धी फाइदाहरू, ३ कर्जा सम्बन्धी फाइदाहरू र १८ अन्य सर्वश्रेष्ठ फाइदाहरू ।
