NIC ASIA Bank Launches ‘NIC ASIA ATHOT Loan Against Share’ with Competitive 8.17% Interest Rate
29th July 2025, Kathmandu
NIC ASIA Bank has launched its ‘NIC ASIA ATHOT Loan Against Share’ scheme, offering a competitive 8.17% interest rate for investors in Nepal. This new product allows individuals to secure loans by pledging their publicly traded shares as collateral, catering to the evolving needs of investors and supporting Nepal’s financial market.
NIC ASIA ATHOT Loan
NIC ASIA Bank has officially launched its new loan scheme, ‘NIC ASIA ATHOT Loan Against Share,’ designed to meet the increasing demand for liquidity among capital market participants. This innovative offering, available at a highly competitive interest rate of 8.17%, underscores the bank’s commitment to providing dynamic and customercentric financial solutions.
Guided by its motto, “Bank Pani Saathi Pani, Ramro Pani Hamro Pani” (The Bank that is both a friend and the best), NIC ASIA Bank consistently strives to deliver services that are both reliable and responsive to market demands. The introduction of the ATHOT Loan Against Share is a testament to this ongoing dedication, addressing the realtime financial needs of investors.
A Strategic Financial Tool for Capital Market Investors
The ‘NIC ASIA ATHOT Loan Against Share’ scheme is specifically tailored for individuals actively engaged in Nepal’s stock market, a vital component of the national economy. Under this scheme, customers can leverage their holdings in ordinary shares of companies listed on the Nepal Stock Exchange (NEPSE), including commercial banks, financial institutions, and insurance companies. This provides a flexible financing option without requiring investors to liquidate their valuable assets.
To ensure a balanced approach to risk management, the bank has set the loan limit at 70% of either the average market value over the past 180 days or the most recent trading price of the shares, whichever is lower. This calculated methodology safeguards both the bank and its customers from potential market volatility, while still offering attractive financing opportunities.
The loan amounts available range from a minimum of NPR 5 million to a maximum of NPR 150 million. This wide range makes the scheme accessible and beneficial for both midlevel investors seeking to manage shortterm liquidity and highnetworth individuals looking to expand their portfolios or fund new ventures.
Streamlined Processing and Dedicated Support
Recognizing the importance of efficiency for investors, NIC ASIA Bank has optimized its internal processes to ensure rapid loan disbursement. Loans under the ATHOT scheme are processed and disbursed within three working days after all necessary documentation is received. This quick turnaround time is expected to be a significant advantage for investors who require timely access to funds.
Furthermore, to enhance customer convenience and provide comprehensive support, NIC ASIA Bank has established a dedicated ‘Loan Assistance Center.’ This center serves as a single point of contact for all inquiries, complaints, and consultations related to the loan application and approval process. This initiative ensures seamless customer service and timely assistance throughout the entire loan lifecycle.
Unmatched Competitive Advantage in the Market
The interest rate of 8.17% is calculated by adding a 1% premium to the bank’s average base rate, positioning the ‘NIC ASIA ATHOT Loan Against Share’ among the most attractively priced credit products currently available in the Nepali market. This competitive rate makes it a compelling option for investors seeking costeffective financing.
This scheme also aligns with NIC ASIA Bank’s broader mission of fostering financial inclusion and promoting the growth of Nepal’s capital market. By enabling easier access to funds without the necessity of selling existing assets, the bank empowers investors to meet immediate financial needs or pursue new investment opportunities without disrupting their longterm financial strategies.
Simple Application Process
Eligible customers interested in leveraging the ‘NIC ASIA ATHOT Loan Against Share’ scheme can visit any NIC ASIA Bank branch. They should come prepared with their share certificates, identification documents, and relevant financial records. The bank strongly encourages all prospective applicants to utilize the expertise available at the newly established Loan Assistance Center for personalized guidance through every step of the application and approval process.
This new offering from NIC ASIA Bank is poised to be a significant enabler for investors, providing the necessary liquidity and flexibility to navigate the dynamic capital market with greater ease and confidence.
For More: NIC ASIA ATHOT Loan
