19th August 2025, Kathmandu
Laxmi Sunrise Bank offers a comprehensive portfolio of loan products designed to meet the diverse financial needs of individuals and businesses in Nepal.
Laxmi Sunrise Loan Products
From acquiring a new home or vehicle to financing education, business operations, or a short-term emergency, the bank provides a wide range of solutions with competitive terms and efficient processing.
1. Real Estate and Property Loans
Laxmi Sunrise Bank provides a robust suite of loans for real estate and property. The Home Loan is a flagship product designed for aspiring homeowners and investors. It can be used for purchasing land, a standalone house or apartment, or for constructing a residential building on owned land. The loan offers a maximum tenure of 20 years with a financing ratio of up to 60% of the property’s Fair Market Value (FMV). The maximum loan amounts are generous, reaching up to NPR 100 million for residential buildings and NPR 50 million for land, apartments, or construction. The bank boasts an impressive approval time of just 7 working days, making the process fast and convenient.
For existing homeowners, the Home Equity Loan is a versatile product that allows borrowers to use their property’s value to secure funds for various purposes, such as home improvements, car purchases, or debt consolidation. This loan can be availed as an Installment Credit with a maximum loan of NPR 15 million and a 15-year tenure, or as a Line of Credit with a maximum of NPR 5 million and a 12-month tenure. Both options offer up to 50% FMV financing and a quick 7-day approval period.
2. Vehicle and Lifestyle Loans
The Auto Loan is designed for the purchase of new or used vehicles for personal use. It offers a flexible tenure of up to 7 years with financing of up to 50% of the vehicle’s value. In a significant move towards sustainability, the financing for Electric Vehicles (EVs) goes up to 80%, encouraging eco-friendly transportation choices. The maximum loan amount for new vehicles is NPR 10 million, while for used vehicles, it is NPR 4 million, with a 5-year tenure.
For smaller financial needs, the Lifestyle Loan is an ideal solution for purchasing consumer durables, electronics, and other lifestyle products. This loan is collateral-free and offers financing of up to 70% of the product’s value. The maximum loan amount is NPR 500,000 with a tenure of up to 36 months, providing quick access to funds without the burden of collateral.
3. Business and Entrepreneurship Loans
Laxmi Sunrise Bank is committed to supporting entrepreneurs and businesses. The Sana Byawasai Karja (Small Business Loan) targets small businesses and startups with a maximum loan of NPR 30 million and a tenure of up to 10 years. This loan offers up to 80% financing and, notably, has no prepayment charges, providing great flexibility for growing businesses.
For women entrepreneurs, the bank’s WE4HER initiative is supported by the Sambriddha Laxmi Karja loan. This product offers a maximum loan of NPR 50 million with a 10-year tenure and cash credit of up to 80% of the Net Trading Asset. This specialized loan is designed to empower women to start and expand their businesses.
In response to economic challenges, the bank offers a Business Continuity Loan for cottage, SME, and tourism businesses affected by events like the COVID-19 pandemic. This loan is offered with no processing fees, a low 5% interest rate, and a quick 15-day approval period, providing a much-needed lifeline to businesses in distress. The maximum loan amount is NPR 100 million, based on the business’s annual salary expenses.
4. Specialized and Digital Loans
Laxmi Sunrise Bank also provides a variety of specialized loans for unique financial needs. The Gold Loan is an excellent option for immediate financial requirements, offering a same-day disbursal with minimal documentation. It provides a revolving loan of up to NPR 5 million for individuals and NPR 20 million for businesses, with financing of up to 75% of the gold’s FMV.
For students, the Education Loan is designed to finance post-secondary education both in Nepal and abroad. With a maximum loan of NPR 10 million and a tenure of 20 years, it can cover up to 100% of the total study cost, including tuition, travel, and living expenses.
The Loan Against Shares is a revolving loan for investors, allowing them to use their NEPSE-listed shares as collateral. This loan has a maximum of NPR 10 million with a 12-month tenure and offers up to 50% FMV of the pledged shares.
The bank is also a leader in digital lending with its Smart FoneLoan. This product provides small, short-term digital loans of up to NPR 500,000 directly through the mobile app, with no paperwork or collateral. The loan amount is pre-approved based on the customer’s account history, making it an incredibly fast and convenient option for urgent financial needs.
5. Micro Finance Services
Finally, Laxmi Sunrise Bank’s Micro Finance Services are dedicated to supporting low-income individuals, small enterprises, and the agriculture sector. These loans offer flexible amounts, a maximum tenure of up to 120 months, and include specific products like Laxmi Laghu Karja (microenterprise), Dhaanya Krishi Karja (agriculture), and loans for low-cost housing, livestock, and tractors. These services are crucial for promoting financial inclusion and grassroots economic development.
For More: Laxmi Sunrise Loan Products