नेपाली 
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Deprived Sector Loan
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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.
Features
To provide the financial services to the people categorized by Nepal Rastra Bank as deprived group
Features:
- Easy and hassle free loan processing.
- Eligible for new or existing business.
- Flexibility in collateral.
- Low Turnaround time.
- Loan available for wide variety of purposes like supporting small businesses, financing commercial agriculture, financing of agricultural equipment, supporting/financing low cost housing, etc.
- Loan available from all branches throughout the country.
Types of Direct Financing Deprived Sector Lending:
- i. Laghu Udhyam Karza.
- ii. Agricultural Equipment Loan.
- iii. Commercial Agricultural Loan.
- iv. Low Cost Housing.
*Note: All other terms and conditions shall be as guided by Bank’s policy. Also, to the above-mentioned parameters, Bank can analyze other details too where deemed required.
Bank has been offering various "Subsidized Loan" Products under Deprived Sector Lending as per the “Procedure for the Interest Subsidy on Subsidized Loan” issued by Nepal Rastra Bank :-
Features:
- Access to finance to the targeted group for various purposes as defined by Nepal Rastra Bank in the “Procedure for the Interest Subsidy on Subsidized Loan”.
- Easy and hassle free loan processing.
- Eligible for the subsidy as defined by Nepal Rastra Bank.
Types of Subsidized Loan under Deprived Sector Lending:
- i. Commercial Agricultural and Livestock Loan up to NPR 10 lakhs.
- ii. Sikshit Yuva Swarojgar Karza up to NPR 7 lakhs.
- iii. Yuva Pariyojana Karza upto NPR 10 lakhs.
- iv. Sahuliyat Mahila Udhyamshil Karza up to NPR 15 lakhs.
- v. Dalit Samudaya Byabasaya Bikas Karza upto NPR 10 lakhs.
- vi. Uchha ra Prabidhik Tatha Byabasayik Sikshya Karza up to NPR 5 lakhs.
- vii. Bhukampa Piditharuko Niji Awas Nirman Karza upto NPR 3 lakhs..
*Note: All other terms and conditions shall be as guided by Bank’s policy. Also, to the above-mentioned parameters, Bank can analyze other details too where deemed required.
NIC Asia Bank has also been providing wholesale lending facilities to the Microfinance Institutions
Features:
| Particulars | Features |
| Facility Type | Demand Loan. |
| Eligibility | Microfinance Institutions Licensed by Nepal Rastra Bank. |
| Purpose | Indirect financing under Deprived Sector Lending. |
| Interest Rate | Competitive Interest Rate. Click Here |
| Fees and Charges | As per Bank Charges. Click Here |
*Note: All other terms and conditions shall be as guided by Bank’s policy. Also, to the above-mentioned parameters, Bank can analyze other details too where deemed required.
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असीमित सुरक्षा, उच्च प्रतिफल र अतुलनीय सहजताका साथ एन आई सी एशिया बैंकले ल्याएको छ, न्यू प्रिमियम सुपर चमत्कारिक बचत खाता । जसमा छन्, अनुपम सुविधाले भरिपूर्ण निक्षेप योजनाहरू
