|Deprived Sector Loan (Institutional, Business Firm/Company, Individual)|
|Purpose||Financing on business and/or low cost housing under deprived sector as defined by NRB.|
|Financing Ratio:||Up to 80% of the required fund on deprived sector business.|
|Nature||May be revolving & renewable and also non-revolving & non-renewable as per nature of the business.|
|Disbursement||Fully or partially on the nominee account as per the nature of the loan.|
|Principal Repayment||(i) Lump sum within expiry in case of revolving nature of loan.
(ii) In equated installment basis (EMI/EQI) in case of non-revolving nature of loan.
|Interest Repayment:||On quarterly basis or on installment payment date.|
|Security:||In case of BFIs, Assignment of Receivables & Corporate Guarantee
In case of Business Firm/Company/Individual, at least 150% security coverage of mortgaged property/hypothecation/titleship on assets.
|Tenure:||One year for revolving & renewable and maximum five years for installment basis loan.|
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