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Sikchit Yuwa Swarojgar Karja

Sikchit Yuwa Swarojgar Karja (Educated Youth Self- Employed Loan) under Jyoti Sahuliyat Karja is a subsidized loan product aimed for Educated young people looking to be entrepreneurs and start their own venture. This product aims to provide the financial assistance to jobless educated individuals to start a business related to the skill development training obtained by them.


  • To provide financial support to jobless educated individuals to start a business related to the skill development training obtained by them


  1. Eligibility
  • Individual should have minimum academic qualification of Bachelor degree
  • Age of the individual 18-40 years
  • In case of degree from Foreign University, such university have included in the equivalent list published by any Nepali University
  • At least 7 days of training from government body like Department of cottage and small industries, vocational and skill development training center, CTEVT. Individual having bachelor’s degree of technical field related to the business and has operated or willing to operate such business, no such training is required.
  1. Loan Amount
  • Maximum loan amount to be NPR 7,00,000 or as prescribed by NRB from time to time
  1. Interest Subsidy
  • 5% Interest Subsidy
  1. Tenure of Loan
  • Maximum 5 years
  1. Collateral
  • Original Academic certificate and certificate of training obtained
  1. Other security requirement
  • Personal Guarantee of the borrower, proprietor, partners and family members of such persons, Group guarantee related deed if loan is based on the group guarantee, insurance of project, Demand promissory note from borrower, loan deed and other legal documents
  1. Nature of Facility
  • Non revolving
  • Revolving also available in the name of proprietorship or partnership firm
  1. Repayment Modality
  • EMI or EQI in case of Term Loan
  • Monthly or quarterly interest in case of OD facility


Required Documents

  • Duly filled loan application form of bank
  • Photograph and copy of citizenship of applicant and the guarantors
  • Copy of PAN certificate and registration of business
  • Partnership deed in case of partnership firm
  • Summary of project regarding operation of business and utilization of loan
  • Self- declaration of not blacklisting as per CIB
  • Detail of net worth of guarantors
  • Map of the applicants’ residence and property

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