Sana Byawasai Karja is a loan product from Laxmi Bank that is targeted for businesses operating in urban, semi urban & remote markets across the country which can be easily accessed from any Laxmi Bank branch. Even startup businesses that are less than 1 year old are eligible for Sana Byawasai Karja loan.

This loan can be used to finance:

  • Capital Expenditure
    • Fixed Assets
    • Vehicles
  • Working Capital
    • Overdraft
    • Short Term Loan
    • Mid Term Loan
    • Trust Receipt & Other Invoice Financing

Special Features

Term Loan: Up to 10 years (Terminating, monthly or quarterly repayment).

Up to 80% financing of Net Trading Asset (Short term loan facility up to 70% of NTA).

Fixed Assets financing up to 75% of FMV (Vehicle financing up to 75% of tax invoice).

Financing Terms and Conditions

NPR 30 Mio

Max loan Amount

10 years

Max loan Tenure

*Loan Extension

Overdraft facility up to 70% of Net Trading Asset

Debt Service Coverage Ratio: 1.35:1 or better

FMV = 1:1 & (0.90:1 In case of Overdraft Only)

Minimum 5% for Bid Bond / Performance Bond

NPR 20 Mio

Max loan Amount

10 years

Max loan Tenure

*Loan Extension

Overdraft facility up to 70% of Net Trading Asset

Debt Service Coverage Ratio: 1.35:1 or better

FMV = 1:1 & (0.90:1 In case of Overdraft Only)

Minimum 5% for Bid Bond / Performance Bond

Borrowing Power Calculator

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You could borrow up to Rs. 0
Your monthly repayment Rs. 0

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