28th July 2025, Kathmandu
In a progressive step toward fostering gender equality and promoting women’s financial empowerment in Nepal, Global IME Bank has launched Global Ma Udhyami Karja, a specialized loan scheme meticulously tailored for women-led businesses. This comprehensive financial solution is specifically designed to help female entrepreneurs expand their businesses, upgrade essential infrastructure, effectively manage working capital, and ultimately thrive in Nepal’s competitive market landscape.
Global IME’s Udhyami Karja
Whether you’re an aspiring entrepreneur just starting your venture or an established business looking to scale up, the Udhyami Karja program offers customized financing, fast approvals, and competitive interest rates. All these features are strategically aimed at unlocking the full potential of women in business, providing them with the necessary financial leverage to achieve their entrepreneurial dreams.
Why Choose Global Ma Udhyami Karja?
1. Tailored Financial Solutions for Every Business Need
Global IME Bank understands that every business has unique financial requirements. Therefore, Global Ma Udhyami Karja provides a wide range of credit facilities that are highly adaptable to your specific business model and operational needs. These include:
- Working Capital Term Loans: Ideal for managing day-to-day operational expenses and ensuring smooth cash flow.
- Fixed Term Loans: Perfect for significant investments such as purchasing new machinery, upgrading equipment, or acquiring new assets to enhance productivity and capacity.
- Hire Purchase Loans: A flexible option for acquiring essential equipment or vehicles with structured repayment plans.
- Cash Credit: Provides a revolving credit line for fluctuating capital needs, offering liquidity and flexibility.
- Short-Term Loans (STL): Designed to meet seasonal or immediate financial requirements, ensuring businesses can capitalize on temporary opportunities.
- Export/Import Loans: Facilitates international trade by providing necessary financing for both export and import activities.
- LC/Bank Guarantee Facilities: Supports trade and contractual obligations by offering Letters of Credit and Bank Guarantees, enhancing business credibility and security.
2. Generous Loan Limits with Fast Approval
Recognizing the significant capital needs of growing businesses, Global Ma Udhyami Karja allows women-led businesses to apply for substantial loan amounts of up to Rs. 10 crore. This generous limit is subject to standard eligibility criteria and proper documentation. Importantly, the scheme features a streamlined approval process, ensuring that eligible entrepreneurs receive the much-needed funding in a timely and efficient manner, minimizing delays that can hinder business growth.
3. Flexible Loan Tenure
Global IME Bank offers flexible repayment terms designed to align with various business cycles and loan types, promoting easier financial management for entrepreneurs. The tenure options include:
- Revolving Credit: Up to 1 year, providing continuous access to funds for short-term needs.
- Working Capital Loans: Up to 10 years, offering ample time to manage and repay working capital facilities.
- Term Loans: Up to 15 years, allowing for comfortable repayment of larger investments in fixed assets.
4. Attractive Interest Rates and Processing Fees
To further support women entrepreneurs, Global IME Bank is committed to making financing accessible and affordable. The Udhyami Karja scheme offers competitive interest rates, ensuring that the cost of borrowing is manageable. Additionally, the scheme features minimal processing fees, reducing the initial financial burden and making it easier for women entrepreneurs to access the capital they need to invest confidently in their business goals.
Additional Benefits for Women Entrepreneurs
The Udhyami Karja scheme extends beyond merely providing loans; it encompasses a suite of value-added services that collectively create a comprehensive support ecosystem for women entrepreneurs. These exclusive benefits are designed to foster growth and streamline operations:
- Free QR and POS machine installation: Facilitating modern payment solutions for businesses, enabling seamless digital transactions.
- Free Corporate Banking, E-Commerce Card, and Credit Card for the first year: Offering essential banking tools and services without initial charges, supporting business operations and online ventures.
- Free subscription to digital accounting software (first year): Providing modern tools for efficient financial management, helping entrepreneurs maintain accurate records and track performance.
- Expert advisory services provided by trained banking staff: Offering invaluable guidance and insights from experienced professionals, assisting with financial planning and business strategy.
- Supplier and marketplace linkages for better business exposure: Connecting women-led businesses with relevant suppliers and broader markets, enhancing their visibility and growth opportunities.
- Availability at all Global IME Bank branches nationwide: Ensuring wide accessibility of the Udhyami Karja scheme across Nepal, allowing entrepreneurs from various regions to benefit.
Who Can Apply?
To qualify for Global Ma Udhyami Karja, applicants must meet the following essential eligibility criteria:
- Business Ownership: A minimum of 50% of the company’s ownership and operational control must be held by Nepali women. This ensures the scheme directly benefits female entrepreneurs.
- Registration: The business must be legally registered with the concerned government authority in Nepal, demonstrating its legitimate operational status.
- Experience: Applicants should have a minimum of 6 months of experience in the same or a related business field, indicating foundational knowledge and commitment.
- Financial Standing: Applicants must demonstrate proven repayment capacity supported by a clean credit history, ensuring financial responsibility and reliability.
- Legal Compliance: The business must strictly comply with all local laws and regulations applicable in Nepal, maintaining adherence to national legal frameworks.
Required Documents
To facilitate a smooth application process, applicants will need to provide a comprehensive set of documents. Preparing these in advance can significantly speed up the approval process.
KYC and Identity Documents:
- Citizenship copies of the applicant and any guarantors.
- Net worth statements of the applicant and guarantors.
- Multiple banking declarations, if applicable.
- Firm or company registration documents.
- Board resolution, Articles of Association (AoA), and Memorandum of Association (MoA) for companies.
Financial Documents:
- Audited, provisional, or management-certified financial statements, as per bank policy.
- Bank statements for the last six months, providing a clear picture of financial transactions.
- Tax and VAT certificates, along with tax clearance certificates (especially for loans above Rs. 5 million).
- A detailed business plan justifying sales projections and outlining the business’s viability and growth strategy.
- Current reports on stock, receivables, and payables, offering insights into operational liquidity.
- Collateral Documents (if applicable):
Land ownership documents.
- Blueprints and construction certificates for any structures.
- Char Killa and land tax receipts.
- Rajinama (land transfer deed) as applicable.
- Letter from the ward office confirming co-heir status, if relevant.
Other Requirements:
- A current account in the borrower’s name at Global IME Bank.
- A fully completed and signed loan application form.
- Any additional documents as specifically required by the bank based on the loan type or business nature.
Fuel Your Business Growth Today
Global Ma Udhyami Karja is more than just a loan; it represents Global IME Bank’s unwavering commitment to uplifting and empowering women entrepreneurs across Nepal. By offering extensive support, practical benefits, and access to high-value credit, this scheme empowers women to take control of their business journeys with newfound confidence and financial security.
Apply today at your nearest Global IME Bank branch and take the crucial first step toward scaling your venture with strength, stability, and enduring financial security. Global IME Bank stands ready to be your partner in success.
For More: Global IME’s Udhyami Karja