Kamana Sewa Bikas Bank’s Banking Products: A Comprehensive Overview

14th December 2025, Kathmandu

Banks and financial institutions consistently offer a diverse portfolio of financial products designed to meet the specific deposit, investment, and lending requirements of different customer segments.

KSBBL Banking Products

This article details four distinct products, ranging from a specialized fixed deposit scheme to three highly targeted loan programs, all aimed at enhancing financial inclusion and supporting economic activities in Nepal.

1. Remittance Fixed Deposit: Specialized Savings

The Remittance Fixed Deposit is a tailored fixed deposit scheme exclusively crafted for individuals who receive funds from abroad, ensuring these foreign earnings are channeled through formal banking and remittance pathways. This product is designed to encourage formal remittances and provide a secure, high-interest savings option for the diaspora community’s earnings.

Deposit and Tenure: The minimum deposit amount required to open this fixed deposit is 50,000 Nepalese Rupees. The tenure for the deposit is flexible, starting from 3 months and above, and the specific terms are governed by the bank’s published interest rate guidelines.

Interest and Liquidity: Interest is calculated on a daily basis, reflecting a commitment to rewarding depositors consistently. The specific interest payment frequency is subject to the bank’s published rates. A significant feature is the Loan Against Fixed Deposit facility, which allows the customer to avail a loan of up to 90 percent of the existing fixed deposit balance, providing crucial liquidity without breaking the deposit.

Documentation Requirement: To verify the nature of the deposit, the bank requires specific documents evidencing that the funds were transferred from abroad through formal remittance or international banking channels. This verification must confirm that the deposited amount originates exclusively from international channels, ensuring compliance with regulatory requirements. Examples of required documents include remittance vouchers, credit advice notes, or relevant bank statements.

2. Professional Loan: Non-Collateral Financing

The Professional Loan is a credit product designed specifically to meet the financial needs of qualified professionals, offering a non-collateral-based loan facility. This product recognizes the stable income and professional standing of borrowers in various fields.

Target Clientele: The loan targets a wide range of professionals, including, but not limited to, accountants, doctors, journalists, engineers, dentists, company secretaries, surveyors, lawyers, architects, and management consultants, along with other consultancy professionals.

Loan Features: This loan offers a maximum borrowing limit of 1.5 million Nepalese Rupees. The repayment plan is designed to be convenient and flexible, with competitive interest rates applied to the principal. The application process emphasizes quick processing time and easy documentation requirements, complemented by personalized customer service.

Required Documents: Documentation focuses on establishing identity, employment, and repayment capacity. Key documents include a copy of the citizenship certificate, office identification, PAN card, a recent passport-size photograph, a salary certificate from the employer, and personal bank statements covering the last six months to verify consistent income flow.

3. DSL Rickshaw Loan: Supporting Self-Employment

The DSL Rickshaw Loan is a highly targeted loan product falling under the Deprived Sector Lending (DSL) category, specifically aimed at promoting self-employment. The purpose of this loan is to meet the capital requirements necessary for the purchase of Auto Rickshaws or Electric Rickshaws.

Financing Terms (Term Loan): The financing structure depends on the collateral provided. Without additional collateral (land or land and building), the bank can finance up to 70 percent of the tax invoice value of the rickshaw. With additional collateral in the form of land or land and building, financing can extend up to 90 percent of the tax invoice value, reducing the upfront cost for the borrower.

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Interest Concession: In line with the principles of deprived sector lending and financial inclusion, a special 1 percent interest rate concession compared to the published rate is provided to several marginalized and disadvantaged groups. These groups include Dalit, Mukta Kamaiya, Haliya, Badi, single women, differently abled individuals, conflict victims, earthquake victims, senior citizens, and various low-caste and marginalized communities.

Required Documents: The documentation is more comprehensive due to the nature of the collateral and the regulatory requirements of deprived sector lending. It includes copies of citizenship certificates for both the borrower and guarantor, a duly filled loan application form, and various security documents such as the credit facility offer letter, promissory note, loan deed, personal guarantee, and a hire purchase agreement. For the asset itself, a registration charge receipt and comprehensive insurance policy favoring the bank are required. If additional collateral is provided, copies of the land ownership certificate, land revenue payment receipt, four boundary certificate, blueprint, and trace map, along with a registered mortgage, are necessary.

4. Kamana Sewa Sajilo Karja: Simplified Lending for Deprived Sectors

Kamana Sewa Bikas Bank has introduced KSBBL Sajilo Karja (Easy Loan) featuring a simplified and accessible lending procedure. The product is segmented into two categories, both aimed at facilitating activities under the Deprived Sector Lending (DSL) guidelines set by Nepal Rastra Bank.

A. Sajilo Byabasaya Karja (SBK)

Purpose: The SBK segment is designed to finance working capital or capital expenditure for the establishment or expansion of small and micro income-generating business activities that qualify under the DSL directives.

Features: It offers a Term Loan (TL) with a maximum tenure of 10 years, alongside an Overdraft (OD) facility. The maximum loan amount is 1.5 million Nepalese Rupees. Financing can cover up to 70 percent of the property value, depending on the location of the collateral and the specific nature of the loan.

B. Sajilo Krishi Karja (SKK)

Purpose: The SKK segment focuses on financing working capital or capital expenditure for a broad range of agricultural income-generating activities. This includes investment in cold storage, dairy, fishery, poultry, fruit and flower farming, and businesses dealing in fertilizer, pesticide, and insecticide. It also covers cultivation of medicinal herbs, cash crops (tobacco, jute, sugarcane, large cardamom, ginger), animal husbandry, slaughterhouses, beekeeping, and the purchase of agricultural equipment such as tractors and threshers.

Features: Similar to SBK, it offers a Term Loan (TL) up to 10 years and an Overdraft (OD) facility, with a maximum loan amount of 1.5 million Nepalese Rupees. Financing covers up to 70 percent of property value. For agricultural equipment purchases, financing is higher at 80 percent of the invoice value, subject to the mortgage of additional collateral in the form of land and building, based on the bank’s satisfaction.

Required Documents and Pricing (Applicable to both SBK and SKK)
Documentation includes copies of the citizenship certificate of the borrower and guarantors, business registration papers, proof of income source for repayment (either projected or self-declared business income), a properly filled loan application form, and all standard security and collateral documents, including the copy of the land ownership certificate and registered mortgage deed.

The Pricing for the Sajilo Karja product is set at the bank’s Base Rate plus a 2 percent risk premium. Importantly, the loan features a Nil loan processing fee. This pricing structure is dynamic and subject to change in accordance with directives issued by Nepal Rastra Bank.

For More: KSBBL Banking Products