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Byawasaik Krishi tatha Pashupanchi Karja

“Byawasayik Krishi tatha Pashupanchi Karja”(Commercial Agriculture and Livestock Loan) under Jyoti Sahuliyat Karja has been introduced with alignment with the government’s subsidy plan to promote entrepreneurship in the field of Agriculture and Livestock. The loan is specially designed for those motivated youth who want to be self-reliant and startup a venture in agriculture and livestock.This product aims to provide the financial assistance to the individual or organization who are engaged in the business of commercial agriculture and livestock farming.


  • Finance working capital requirement of the business units engaged in the commercial agriculture and livestock farming.
  • Term Loans facility will be provided in order to cover project financing, financing for Capital items, civil construction, interior decoration, advance lease payment etc.


  1. Eligibility
  • Applicant must be a registered organization/institutions for the loan not less than 1 crore. However, loan up to 10 lakhs can be provided to the individual who have attained the age of 18 years.
  • The borrower must be a registered company for a loan more than 1 crore
  1. Loan Amount
  • Maximum loan amount to be NPR 5,00,00,000 or as prescribed by NRB from time to time
  1. Interest Subsidy
  • 5% Interest Subsidy
  • If the loan is more than NPR 5,00,00,000, interest subsidy of 2% shall be provided
  1. Tenure of Loan
  • Maximum 5 years
  • As per nature of the business, loan can be provided for more than 5 years
  1. Collateral
  • No collateral required for loan upto NPR 10,00,000
  • For loan amount above 10 lakhs, proposed credit facilities shall be secured by Fixed Assets collaterals
  • Other applicable and proposed security arrangement as per approval
  1. Other security requirement
  • Personal Guarantee of the borrower and family of members, project run by the borrower, Insurance of the project, Demand promissory note from borrower, loan deed and other required legal documents
  1. Nature of Facility
  • Non Revolving Facility
  • Revolving Facility
  1. Repayment Modality
  • Interest of OD loan shall be monthly or quarterly
  • EMI or EQI in case of Term Loan

Required Documents

  • Duly filled loan application form of bank
  • Brief proposal of business operation and utilization of loan for loan up to Rs. 10 lakhs
  • Detailed business project for loan above 10 lakhs
  • Photograph and Copy of citizenship of applicant and the guarantors
  • Copy of PAN certificate
  • Copy of Registration of the business.
  • Self-declaration of not blacklisting as per CIB
  • Detail net worth of the guarantors.
  • Last two years audited financial statement and three years projected financial statement
  • MOA, AOA, Board minute if the borrower is company
  • Partnership deed, if borrower is partnership firm
  • Map of the applicants’ residence and property.
  • Other related document as necessary

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