Pokhara Finance Ltd

A transaction savings account placed for an unspecified period, withdrawable anytime via cheque, slip, transfer, standing instruction or ATM card.

• Interest on daily balance, paid quarterly
• Free cheque book and debit card
• Mobile banking and C-ASBA available
• Any-branch banking facility
• Minimum balance varies by account type
• No account closing charge
• Statements issued on request

An interest-bearing term account holding a fixed amount at a fixed rate, repayable with interest on a fixed maturity date.

• Minimum amount NPR 10,000
• Higher interest than savings accounts
• Interest paid quarterly or annually per request
• Can be opened only by account holders
• Interest rate guaranteed for the period
• Automatic renewal/disposal of principal & interest

Loan to construct, buy, renovate or extend a residential home or flat, or refinance an existing home loan.

• Loan NPR 0.5M to NPR 20M
• Tenure up to 20 years
• Equal monthly installment repayment
• Up to 80% of construction cost
• Up to 70% of FMV for first home buy
• No prepayment charge up to NPR 5M
• Eligible age 18 to 75 years

Loan against property to repay borrowings, buy real estate, invest in equities or renovate.

• Loan NPR 0.5M to NPR 50M
• Tenure up to 15 years
• Equal monthly installment repayment
• Loan-to-value 50% of property FMV
• No prepayment charge below NPR 5M
• Eligible age 18 to 75 years

Vehicle and equipment financing for private, commercial and earthmoving/equipment use.

• Private auto NPR 90K to NPR 15M
• Commercial vehicle NPR 0.5M to NPR 10M
• New private vehicle tenure up to 8 years
• Up to 50% LTV new private vehicle
• Up to 80% financing for electric vehicles
• Up to 70% for new commercial vehicles
• Equal monthly installment repayment

Loan to repay personal borrowings, household expenses, business investment or other acceptable purposes.

• Loan NPR 0.5M to NPR 5M
• Interest payable monthly or quarterly
• Overdraft (revolving) or interest-payable type
• Maximum tenure 1 year, renewable
• Loan-to-value 50% of property FMV
• No prepayment charge
• Eligible age 18 to 75 years

Loan for professionals to meet household, education, business, consumer-durable or social-event expenses.

• Revolving NPR 0.1M to NPR 0.5M
• Term NPR 0.1M to NPR 1.5M
• Term tenure up to 7 years
• Revolving tenure 1 year, renewable
• Security: promissory note or organization guarantee
• No prepayment charge

Loan to meet higher-education expenses within Nepal or abroad.

• Up to NPR 3.5M (Nepal/SAARC)
• Up to NPR 5M (studies abroad)
• Tenure up to 10 years including course period
• Equal monthly installment repayment
• Loan-to-value up to 60% of property FMV
• No prepayment charge
• Eligible age 18 to 40 years

Loan for businesses in land purchase/plotting and construction of commercial complexes and residential apartments.

• Minimum loan NPR 5M
• Term loan tenure up to 15 years
• Up to 40% FMV inside valley
• Up to 50% FMV outside valley
• Up to 80% of construction cost
• No prepayment charge up to NPR 5M
• Eligible age 18 to 75 years

Loan for enterprises in manufacturing, trading, retail, professional and hospitality services.

• Minimum loan NPR 0.5M
• Term loan tenure up to 15 years
• Revolving tenure 1 year, renewable
• Up to 80% of property FMV
• Monthly/quarterly or installment repayment
• No prepayment charge below NPR 5M

Working-capital financing for larger enterprises in manufacturing, trading, retail and hospitality.

• Minimum loan NPR 10M
• Permanent working capital 3 to 10 years
• Fluctuating WC: interest monthly/quarterly
• Up to 80% of property FMV
• No prepayment charge
• Eligible age 18 to 75 years

Loan to invest in share-market transactions against pledged shares.

• Loan NPR 0.5M to NPR 120M
• Up to 70% of total market value of shares
• Interest payable monthly or quarterly
• Maximum tenure 1 year, renewable
• No prepayment charge
• Eligible age 18 to 75 years

Loan for enterprises and individuals in agronomy, livestock, horticulture, floriculture, aquaculture and apiculture.

• Enterprises from NPR 0.5M
• Individuals NPR 0.1M to NPR 1M
• Term loan tenure up to 15 years
• Up to 80% of property FMV
• No prepayment charge below NPR 5M
• Eligible age 18 to 75 years

Loan to NRB-licensed microfinance institutions and to poor/marginalized individuals, with or without collateral.

• Institutional NPR 5M to NPR 150M
• Personal NPR 0.05M to NPR 2.5M
• Institutional term tenure up to 5 years
• Personal term tenure up to 5 years
• Up to 80% of property FMV (personal)
• Institutional security: corporate guarantee
• No prepayment charge

An SCT-network debit card for ATM cash withdrawal and POS purchases linked to a Pokhara Finance account.

• Accepted at 2,000+ SCT ATM terminals
• Usable at 10,000+ POS merchant locations
• Free cash withdrawal at Pokhara Finance ATMs
• ATM max withdrawal NPR 20,000 per transaction
• ATM max NPR 50,000 per day (Nepal)
• Usable in Nepal and India
• NPR 15 fee at other SCT ATMs in Nepal

The official mobile banking app for account access, fund transfers, bill payments and QR payments.

• View balances and transaction statements
• Fund transfer within bank and Fonepay network
• Interbank transfer via Fonepay or ConnectIPS
• Interoperable Fonepay and NepalPay QR payments
• Utility bill payment and mobile top-ups
• Max NPR 300,000 per transaction
• Max NPR 9,000,000 per month
• Instant debit/credit transaction alerts

Fonepay and NepalPay QR merchant payment system for businesses and small local merchants.

• Cashless digital transactions
• Static and dynamic QR codes
• Payment confirmation via SMS, email, voice
• Business app for history and reconciliation
• Digital refund facility
• Accepts cross-border payments from Indian customers
• Personal merchant QR daily limit NPR 5,000

Interbank payment and unified payment platform for fund transfers and bill payments via Nepal Clearing House.

• Interbank fund transfer between member BFIs
• Link Pokhara Finance account to ConnectIPS
• Supports C2G, C2B and P2P payments
• Bill payments through the platform
• Available on web and mobile app channels

C-ASBA and Demat services for applying to IPO/FPO/Right shares with blocked amount in the customer's account.

• C-ASBA registered with CDSC
• Amount blocked, debited only after allotment
• Register C-ASBA from any branch to get CRN
• Apply IPO/FPO/Right share via application form
• MeroShare registration supported

Domestic and international money transfer services available from Head Office and all branches.

• International Money Express (IME)
• Prabhu Money Transfer and City Express
• Western Union and MoneyGram
• Himal Remit, Samsara Remit, Sanima Xpress
• Nepal Remit, iPay Remit, eSewa Remit
• Available at Head Office and all branches

Safe deposit locker facility for storing valuables at the Head Office.

• Available at Head Office, Newroad, Pokhara-9
• Refundable deposit NPR 10,000
• Size A annual rent NPR 3,000 (6"x8")
• Size B annual rent NPR 4,000 (6"x16")
• Size C annual rent NPR 5,000 (12"x16")
• Annual rent payable in advance