Mahalaxmi Bikas Bank Loan Against Bullion: Complete Guide to Gold and Silver Loans

2nd October 2026, Kathmandu

Mahalaxmi Bikas Bank offers the Loan Against Bullion scheme to provide individuals and business owners with fast, convenient access to liquid capital.

MBBL Loan Against Bullion

By leveraging physical holdings of gold and silver—including jewelry, ornaments, utensils, coins, and other eligible items—customers can unlock funds to meet immediate personal or business obligations without liquidating their valuable assets.

Key Features of Loan Against Bullion

The Loan Against Bullion facility features a streamlined application process and competitive credit terms designed to ensure quick turnaround times.

• Simplified Documentation: Minimal paper requirements speed up verification and approval times.
• High Financing Ratio: Borrowers can access credit up to 75% of the Fair Market Value (FMV) of pledged gold or silver.
• Fast Funds Disbursement: Accelerated processing channels disburse funds quickly upon valuation and vault storage.
• Cost-Effective Structure: Nominal processing fees and competitive interest rates apply.
• Flexible Renewal Options: Simple renewal procedures allow borrowers to extend facility terms upon maturity.

Loan Quantum and Valuation Rules

Financing limits are calculated directly against the appraised value of the pledged bullion.

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• Maximum Financing: Up to 75% of the Fair Market Value (FMV) as determined by an officially approved bank gold tester.
• Minimum Valuation Requirement: The total approved loan amount cannot fall below 30% of the overall appraised valuation.

Borrowing Limits and Tenure

Mahalaxmi Bikas Bank establishes clear borrowing floors and ceilings to accommodate small personal cash flow requirements as well as larger capital needs.

• Minimum Loan Amount: NPR 50,000 (Fifty Thousand Nepalese Rupees).
• Maximum Loan Amount: NPR 5,000,000 (Five Million Nepalese Rupees) under the Single Obligor Limit.
• Facility Tenure: Maximum primary tenure of up to 1 year, with options for annual renewal based on customer request and satisfactory account performance.

Eligible Collateral Items

Customers can pledge a wide selection of gold and silver assets as collateral:

• Gold and silver jewelry or ornaments
• Bullion coins and bars
• Gold or silver utensils and artifacts
• Other approved physical bullion items meeting purity standards

How to Apply

To apply for a Loan Against Bullion, visit any authorized branch of Mahalaxmi Bikas Bank with your physical gold or silver, proof of identity (Citizenship Certificate or Passport), and recent passport-sized photographs. The in-house gold tester will evaluate the purity and weight on-site to determine the approved loan amount.

For More: MBBL Loan Against Bullion