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Non Collateral Personal Loan in Nepal
Non Collateral Personal Loan NIC Asia Bank


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.


A personal loan is purely based on your credibility as our valued customer and offers to hassle-free services along with the fastest service delivery and easy documentation procedure.

Get flexible loan tenures, easy loan repayment options, and most importantly competitive interest rates. Get ahead, check your eligibility & apply Personal Loan is a simple process.


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.


The documents that are required in order to process the personal loan are as follows:

  • Identification Documents: Citizenship certificate, Passport copy, Photograph, Marriage certificate, Relationship certificate (where applicable)
  • Income source verification documents 
  • Bank account statements
  • PAN Card
  • Net worth detail document (where applicable)
  • Educational/Professional certificates and work experience certificates 
  • Pension book, in case of loan against pension income

*All documents need to be originally signed and verified by bank's officials. Further, the Bank can request additional documents, where deemed necessary. 

NIC Asia Bank
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