Nabil Bank Gold Purchase Loan Facility for Customers: Nabil Dhukka Sun Kharid Karja
2nd June 2026, Kathmandu
Nabil Bank has introduced a specialized credit facility tailored for individuals wishing to invest in or acquire gold ornaments without facing immediate financial strain.
Nabil Bank Gold Purchase
The new product, Nabil Dhukka Sun Kharid Karja, is a convenient gold loan facility designed to help you purchase gold jewelry through Nabil Banks network of registered jeweler merchants.
With financing of up to 70 percent of the jewelrys fair market value, you can own the gold you desire while paying in affordable equal monthly installments.
The scheme aims to alleviate the burden of lump-sum cash payments during festive seasons, weddings, or family milestones. By bridging the gap between immediate purchase requirements and cash availability, the bank provides a secure path to building personal assets.
Key Features of the Gold Purchase Loan
The financing package is built around several consumer-friendly provisions that maximize affordability and speed.
First, it features up to 70 percent financing of the fair market value. Buyers only need to arrange a 30 percent down payment from their personal funds, while the bank covers the remaining majority portion of the purchase cost.
Second, the system ensures a fast turnaround time. Under optimal conditions, applicants can receive their official Delivery Order within one hour. This allows for a swift transaction process at the partner jewelry outlet.
Third, the facility includes free insurance coverage. The gold ornaments are financially protected against potential risks, offering peace of mind to the borrower throughout the repayment cycle.
Finally, the bank offers a competitive interest rate structure alongside flexible loan tenures. Borrowers can choose repayment terms spanning up to 10 years, with maximum loan caps reaching up to NPR 1 million per individual borrower.
Collateral and Repayment Framework
The operational design of this credit option functions similarly to a hire-purchase model but uses precious metals instead of automobiles or property.
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The purchased gold is held as collateral by the bank and will be returned upon full repayment of the loan. This means the jewelry remains safely stored in the banks secure vaults during the tenure, eliminating personal security concerns regarding theft or misplacement at home.
Once the final installment is paid and the total outstanding liability is settled, the bank hands over physical possession of the ornaments back to the rightful owner.
Available Branches for Service Access
To ensure streamlined processing and professional valuation, Nabil Bank has designated specific branches inside and outside the Kathmandu Valley to handle this service.
Inside the Kathmandu Valley, customers can access the facility at the New Road and Koteshwor branches.
Outside the valley, the scheme is available at designated regional hubs. These include the Butwal-Yogikuti branch, the Chipledhunga branch in Pokhara, the Nepalgunj-Bhanubhakta Chowk branch, and the Narayangadh-Milan Road branch.
Required Documentation for Applicants
The documentation process is structured to facilitate quick validation and minimal administrative delays.
To apply for the loan, the applicant and their chosen nominee must provide clear copies of their citizenship certificates alongside recent passport-sized photographs.
Additionally, the transaction requires formal transaction papers from an approved business partner. Applicants must submit a formal quotation of the gold jewelry from a registered jewelry merchant, followed by the final invoice of the gold jewelry to complete the credit file.
Conclusion
The Nabil Dhukka Sun Kharid Karja program represents a major shift in how Nepalese consumers can approach asset acquisition and traditional jewelry shopping. By transforming gold purchases into manageable monthly expenses rather than massive single transactions, the bank enables families to plan for major lifecycle events smoothly.
With extensive tenures reaching up to a decade, quick one-hour delivery approvals, and a high financing threshold, this service offers a robust alternative to traditional cash-based transactions. Interested buyers can explore verified partner outlets through the official merchant directory on the Nabil Bank website to initiate their application process.
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