NIC ASIA Personal Loan is a non-collateral based loan scheme specially designed to facilitate Nepalese Salaried Individuals to meet their financial requirements.

This loan is purely based on the personal credibility of the customer. It offers hassle-free services along with the fastest service delivery and easy documentation procedure to our valued customers.


Particulars Features
Purpose To meet the personal financial requirement.
Facility Type Term Loan and Overdraft/ Demand Loan.


Only Nepalese Residential with Salaried Income.
Minimum Age : 23 Years at the time of loan processing.
Maximum : Remaining service tenure or 58 Years at loan maturity, whichever is earlier.
Loan amount Minimum : NPR. 3 Lakh.
Maximum : Up to NPR. 15 Lakh, where Overdraft/Demand Loan shall be within NPR. 5 Lakh.
Maximum Loan Tenure Term Loan : Up to 5 Years.
Overdraft/ Demand Loan : 12 months.
Renewal shall be done subject to satisfactory annual review and clearance.
Interest Rate Competitive Interest Rate. Click Here
Fees and Charges As per Bank Charges. Click Here

*Note: Other Terms and Conditions shall be as per the Bank’s Policy. In addition, to the above-mentioned parameters the Bank can analyze other details too, where deemed necessary.