Global IME Bank Offers Loan Against Share Facility to Unlock Investment Value
17th December 2025, Kathmandu
Global IME Bank Limited is offering a specialized Loan Against Share which is also commonly referred to as a Share Loan to help investors access immediate liquidity by leveraging their equity investments without having to sell them.
GIBL Loan Against Share
This financial facility is strategically designed to support various investment needs and business expansion plans and personal financial requirements. A significant advantage of this product is that it allows customers to retain full ownership of their shares and remain eligible for all associated benefits such as dividends and bonus issues while their capital remains pledged as collateral.
Overview of Global IME Bank Share Loan
The Loan Against Share product allows customers to convert their stock market investments into a reliable and structured source of funding. Instead of liquidating assets during a market downturn or a period of growth investors can pledge eligible shares to obtain financing. Global IME Bank ensures that this process is conducted in strict accordance with the latest Nepal Rastra Bank directives which guarantees transparency and full regulatory compliance for the borrower.
This product serves as a bridge for investors who require quick capital but do not want to lose their position in the secondary market. By using their portfolio as a guarantee they can navigate financial challenges or seize new opportunities without disrupting their long term investment strategy.
Key Features and Nationwide Accessibility
Global IME Bank has integrated several user friendly features into its Share Loan facility to make it one of the most competitive products in the Nepalese banking sector.
The bank offers highly flexible loan amounts that are determined by the actual value of the pledged shares. To keep the cost of borrowing manageable the bank provides competitive interest rates that are aligned with current market trends. One of the most convenient aspects of this loan is the annual renewal facility which allows borrowers to extend their credit line without the hassle of a completely new application process every year.
With a massive branch network covering all 77 districts of Nepal Global IME Bank ensures that this service is accessible to every citizen regardless of their geographic location. The bank emphasizes minimal documentation and quick processing to ensure that the time from application to fund disbursement is as short as possible. For those who prefer digital solutions the bank offers a 24×7 online application facility for loans up to NPR 50 lakh allowing investors to manage their finances from anywhere.
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Eligibility Criteria and Regulatory Limits
To maintain financial discipline and adhere to central bank guidelines Global IME Bank has established clear eligibility and valuation criteria for its borrowers.
The loan limit is strictly categorized based on the type of shares being pledged as collateral. For ordinary shares investors can receive a loan of up to 70 percent of the total value. For promoter shares the limit is set at up to 50 percent of the value. The valuation process is transparent and follows the Nepal Rastra Bank formula where shares are valued based on the 180 day average closing price or the prevailing market price whichever is lower. This method protects the bank and the borrower from sudden market crashes.
The repayment structure is designed to be manageable for the borrower with interest payable on a quarterly basis. The principal amount is generally repayable annually unless the loan is renewed upon maturity. Borrowers are required to provide a self declaration of income to prove that they have sufficient cash flow to meet their debt servicing obligations. In line with national regulations the maximum loan amount an individual borrower can take across the entire banking system is currently capped at NPR 150 million.
Fast Loan Against Share (FLASH) Digital Service
Recognizing the need for speed in today’s fast paced investment environment Global IME Bank also offers the Fast Loan Against Share or FLASH service. This is a dedicated digital lending platform that enables customers to obtain loans almost instantly by pledging their shares through an online portal.
The FLASH service is specifically designed for speed and convenience with a loan limit ranging from NPR 5 lakh to NPR 50 lakh. Loans under this scheme are disbursed in multiples of NPR 50,000 and are categorized as demand loans. The entire process from the initial application to the final approval and disbursement is handled digitally which eliminates the need for physical visits to the bank and significantly reduces the paperwork involved.
Conclusion and Strategic Value for Investors
Global IME Bank’s Loan Against Share facility provides a practical and efficient financing option for investors who seek liquidity but do not want to liquidate their long term investments. With its flexible limits and digital access and strict alignment with regulatory standards the product offers a balanced solution for both short term and medium term funding needs.
By choosing this facility investors can keep their investment portfolios intact while accessing the cash necessary to grow their businesses or meet personal goals. As one of the largest commercial banks in Nepal Global IME Bank continues to innovate in the digital space ensuring that its customers have the best tools to manage their wealth effectively.
For More: GIBL Loan Against Share
