>Salaried or Self-Employed Nepalese Citizen having a regular source of income.
>In case of individual having business income or firm/company, the business should be in operation for a minimum of two years.
>In case of individuals, the applicant must be at least 21 years and should not exceed 65 years at the time of maturity.
>Unregistered transport operators should have experience of operating a commercial vehicle for a minimum of two years.
>Any person other than the owner of the firm/ company shall not be authorized to take loan on behalf of the firm/ company.