Loans are basically attributed to the borrowers to be repaid on pre-agreed time-frame with principal premium and interest. The products shall be devised and designed for Income Generating Activities (IGA). The underlying objective is to ensure repayment on time or as agreed beforehand prior to sanctioning of the credit services and hence, the credit lines shall be assessed on the basis of the repayment capacities envisioned at the time of request of the Loan facilities. Loan services will be provided under limit of NRB guidelines. Loan products are as follows.

Loan co-operative

1. A business loan
   • Affiliated members to run businesses for various formal business loans will be provided.
   • After 3 months of affiliation with the local business lending only.
   • The second and the later to provide loans to member demand for loans by the loans which utilization “or interest, and the loan period has to be paid regularly.
   • Business credit facility loan amount 1% service fee to take the members, 1% mortgage fee assessments, Rs. 200 loan demand charges and Rs form 25 token fee would.
   • Loan amount equal to the first time members of the commercial loan for the second time when only 0.5% of the loan amount as collateral evaluation fee skill.
   • So when the first round of loan fund worth 5% of the loan amount must be taken stock.
   • The debt limit will remain until the maximum 10,00,000
   • Debt payment period will be up to 3 years if the loan installments will be 1 month.
   • Business loan interest rate is fixed for 18%
2. Hire Purchase loan
   • Various machines (motorcycle, tractor, the mixture machines, sewing machines, etc.) to purchase Hire Purchase finance institutions to invest in the form of a person.
   • Hire Purchase loan maximum limit of Rs. Will 5,00,000.-.
   • Hire Purchase loans are re-paid member of the year, 3 times to extract totaled arrangement.
   • Debt payment period will be up to 3 years if the loan installments will be 1 month.
   • Hire Purchase loan interest rate is fixed for 18%.
3. Agriculture loan
   • Members of various Formal Agriculture, animal husbandry, vegetable farming and agricultural credit will be provided for.
   • Agricultural credit facility loan amount to take the members of the 1% service fee, 1% collateral evaluation fee, charge Rs 200 loan demand form, it would be charged Rs 25 tokens.
   • Agricultural debt limit has been gradually growing up to a maximum of 1,000,000 dwellings.
   • Agricultural loan interest rate is fixed for 18%.
   • If the loan installment and the loan interest rate manipulation which, “or the amount of interest and installments will be tight.

Micro-financial Loan

1. General loan
   • Common debt shall be up to a maximum limit of 9,0000.
   • General23% interest on the loan is fixed.
   • Board of debt installments and interest may be manipulated. If the loan installment and the loan interest rate manipulation which, “or the amount of interest and installments will be tight.
2. Seasonal loan
   • According to member of the Weather meats and special manure and business to get a seasonal loan.
   • Maximum limitation of Seasonal loan is Rs 10,000.
   • Seasonal23% interest on the loan is fixed.
3. Center found loan
   • Central Fund surplus money deposited in the pocket of law and organization members, medical treatment centers, essential house hold expenses and the Center for Social Work Fund loan to be provided.
   • Central Fund of credit maximum limit of Rs. Will be2,000.
   • This debt interest brought a lump to 10 installments.