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NIMB Loan Against Shares: Fastest Share Karja in Nepal for Investment & Business Growth

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31st May 2025, Kathmandu

Need funds for investing, business expansion, or personal use? Don’t rush to sell your shares. Nepal Investment Mega Bank (NIMB) offers a smarter solution—Loan Against Shares, also known as Share Karja or Margin Lending.

NIMB Loan Against Shares

This financial product allows individuals and businesses to access liquidity by pledging listed shares as collateral. You get the money you need while still keeping ownership of your investments.

What is Share Karja?

Share Karja is a secured loan where your publicly traded shares act as security. It gives you financial flexibility without having to sell your portfolio. You still receive dividends and gain from any increase in share prices.

This loan suits:

Investors wanting to expand their portfolio

Businesses seeking working capital

Individuals needing funds for planned or emergency expenses

Top Benefits Of Loan Against Shares

Here’s why NIMB’s Share Karja stands out:

Keep Your Shares Intact

You don’t have to sell during a market dip. You keep your shares and still access funds.

Liquidity at the Right Time

The loan helps cover financial gaps—whether for new investments, medical needs, or family obligations.

Earn While You Borrow

Even after pledging shares, you continue to receive dividends and benefit from capital appreciation.

Digital Tools and Transparency

NIMB offers a Margin Loan Calculator on its website. This helps you estimate borrowing power based on your shares. The bank also explains taxes, interest options, and regulatory rules clearly.

Who Can Apply?

The application process is inclusive and transparent. Eligible applicants include:

Nepali Citizens

Non-Resident Nepalis (NRNs)

Other individuals approved by the Government of Nepal

Firms or companies involved in investing or share trading

Age criteria: Applicants must be between 25 and 70 years.

Types Of Share Karja Loans

NIMB offers two structured loan types:

Revolving (Overdraft) Loan

Offers a flexible credit limit

Borrow, repay, and borrow again

Renewable if repayment behavior is good

Great for frequent traders or investors

Time Loan (Demand Loan)

Fixed-term loan, up to 1-year tenure

Best for one-time planned needs

Repay the principal at the end of the term

Choose based on your usage pattern and financial planning.

Loan Evaluation Criteria

NIMB follows responsible lending practices. Before approving your loan:

Individuals: Your Debt-to-Income Ratio (DTI) must not exceed 50%

Firms and companies: Debt Service Coverage Ratio (DSCR) must be at least 1.1 times

The bank ensures that your repayments are within your financial capacity.

Interest Rates and Repayment Terms

You can choose either fixed or floating interest rates. Repayment is done:

Monthly or quarterly

Based on the Gregorian calendar

Interest starts from the month or quarter after the first withdrawal

This setup provides a predictable and manageable repayment timeline.

How Much Can You Borrow?

The loan amount depends on your share type and valuation. Here’s the breakdown:

For Public Shares:

Borrow up to 70% of the lower of:

180-day weighted average price

Current market price

For Promoter Shares:

Borrow up to 50% of the lower of:

Half of the 180-day average price

Current market price

If you own more than 1% promoter shares in BFIs, only 50% qualify.

If your promoter holding is over 2%, you’ll need NRB approval.

Loan Limits

To manage financial risk, NIMB has clear limits:

Minimum loan: NPR 0.5 million

Maximum loan: NPR 5 million

There are regulatory limits, too:

Individual borrowers: Max NPR 150 million across all BFIs

Institutional investors: Max NPR 200 million

These limits help you avoid over-leveraging.

Which Shares Are Not Eligible?

NIMB prioritizes security and compliance. The bank will not accept shares from:

BFIs declared problematic by NRB

Companies with negative net worth

Firms showing losses for 3 consecutive years

Companies without regular audits or AGMs

Stocks not traded on NEPSE for at least 250 days

Shares trading below face value

Companies operating for less than 1 year

These measures protect both the borrower and the banking system.

What Documents Do You Need?

To apply, prepare the following:

For Individuals:

Completed loan application

Citizenship Certificate

KYC documents

PAN Certificate (for loans above NPR 2.5 million)

Credit Information Center (CIC) report

AML/CFT declaration

For Firms or Companies:

Registration Certificate

MOA, AOA, or Partnership Deed

Net Worth Statement

Tax Returns, Audited Reports, or Income Sources

Bank Statements for capital gain, dividend income

Security Documents:

Share Pledge Deed

Signed DIS Cheques

Personal or Corporate Guarantees

Legal papers: Letters of Continuity, Set-Off, or similar agreements

NIMB may ask for more documents depending on your profile.

How To Apply?

Ready to apply? Follow these steps:

Visit the NIMB official website

Use the Margin Loan Calculator

Collect your documents

Visit your nearest NIMB branch or connect with a loan officer

Apply and await approval

The process is simple, fast, and transparent.

Final Thoughts: A Smart Financial Move

NIMB’s Loan Against Shares is an excellent tool for investors and businesses alike. It helps you retain ownership, gain quick access to capital, and plan your finances more effectively.

With well-defined loan terms, a user-friendly application process, and strong compliance, Share Karja empowers you to grow without selling your future.

Whether you want to invest more, manage personal needs, or support business operations, NIMB gives you the flexibility to succeed.

For more: NIMB Loan Against Shares


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