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Education Loan

Students who have studied hard and excelled in their exams and plan to pursue higher study in Nepal or overseas, your funding requirement for financing fees/expenses related to higher education is fulfilled by Jyoti Bikash Bank. The loan aims at providing financial support to students who wish to study higher education at Nepal or overseas.  


  • To finance for tuition fees and other expenses related to higher/technical/professional education.


1. Funding Criteria

  • Maximum 90% of College/University expenses. 

2. Loan amount

  • Minimum Loan: NPR 1.5 lakhs
  • Maximum Loan: NPR 50 lakhs

3. Interest rate: Competitive interest rates. Click here

4. Collateral 

  • Land and Building and other Intangible securities

5. Nature of Facility

  • Non Revolving and non-renewable

6. Tenure 

  • Moratorium Period: Course period plus 1 year after the completion of course designated or 1 month after getting employment, whichever is earlier
  • Principal Repayment: The loan shall be repaid within 5 years after the moratorium period 

7. Repayment Modality:

  • EMI or EQI Basis

Required Documents

  • Duly filled application form
  • Mark sheet or certificate of last qualifying examination
  • Details of the offer from the education institution signifying secured admission to the student
  • Details of guarantors
  • Copy of citizenship of applicants and guarantors
  • Income source documents
  • Other related documents as necessary

Quick & Easy Access