Prabhu Bank Launches ‘Prabasi Samriddhi Ghar Karja’: Affordable Home Loans For Non-Resident Nepalis

22nd September 2026, Kathmandu

Prabhu Bank introduces the ‘Prabhu Prabasi Samriddhi Ghar Karja Yojana 2083/84’, offering up to NPR 3 Crore home loans at attractive interest rates for Nepalis working abroad. Learn about features, interest rates, and added educational perks.

Prabhu Bank Prabasi Samriddhi Ghar Karja

Prabhu Bank Limited has launched a dedicated home financing solution for Nepalis living and working abroad: the ‘Prabhu Prabasi Samriddhi Ghar Karja Yojana 2083/84’ (Prabhu Migrant Prosperity Home Loan Scheme).

Designed to empower non-resident Nepalis (NRNs) and migrant workers to build, buy, or renovate homes in their homeland, this scheme combines competitive interest rates, low processing fees, and added family benefits to channel foreign remittances into long-term personal assets.

Key Features at a Glance

What Does the Prabhu Prabasi Samriddhi Home Loan Offer?

1. High Loan Limits & Flexible Repayment

Borrowers can access funding up to NPR 3 Crore with a generous repayment horizon of up to 25 years. This flexible structure allows migrant workers to manage monthly EMI installments while continuing their overseas employment comfortably.

2. Highly Competitive Pricing

To ease the financial burden on overseas workers, Prabhu Bank offers a minimal service fee of just 0.50% alongside an interest rate set at Average Base Rate + 0.50% p.a., making it one of the most cost-effective real estate financing options in the Nepalese banking market.

3. Broad Asset Eligibility

The loan applies to various real estate needs:

• Buying a residential house or apartment

• Purchasing plots of land

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• Constructing a new home

• Repairing or renovating existing residential property

Exclusive Added Benefits for Migrant Families

Understanding that overseas workers send money home to build a better future for their families, Prabhu Bank has bundled high-value secondary benefits into this scheme:

Discounted Educational Loans for Children: Loan holders can apply for an educational loan for up to two children (for studies within Nepal or abroad) at an interest rate of Average Base Rate + 1.00% p.a., along with a 50% waiver on credit processing fees.

First-Year Digital Banking Perks: Beneficiaries receive a free Debit Card and free Mobile Banking subscription for the first year.

Channeling Remittances into Sustainable Assets

Remittances play a vital role in sustaining Nepal’s economy, boosting foreign exchange reserves, household income, and overall liquidity in the formal banking sector. Since its inception, Prabhu Bank has prioritized remittance management—encouraging Nepalis to channel funds through formal banking routes.

The Prabhu Prabasi Samriddhi Ghar Karja Yojana aims to convert temporary foreign earnings into permanent residential capital, providing security for migrant workers and their families while fostering a long-term banking relationship with Prabhu Bank.

How to Apply

Eligible Nepalis abroad can initiate their application process or have their family members visit any of Prabhu Bank’s 300 branches across Nepal to receive detailed documentation requirements and customized guidance.

For more: Prabhu Bank Prabasi Samriddhi Ghar Karja