Bank has offered various concessional loans for paving the way for unemployed educated youths, returnee migrant works, women entrepreneurs, Dalits, earthquake victims, other targeted groups as Subsidized loans. Details of various subsidized loans are as follows:

1. Commercial Agriculture and Livestock Loan

Eligibility Criteria:

• The applicant must be at least 18 years and should not exceed 60 years at the time of maturity.
• Should not be blacklisted at CIC

2. Educated Youth Self Employment Loan

Eligibility Criteria:

• Should have minimum academic qualification of Bachelor Degree or Equivalent.
• Should not be above 40 years of age at the time of loan approval
• Required to submit original academic certificate as collateral
• The applicant must have taken at least 7 days entrepreneurship or skills training from government entity viz; Department of Cottage and Small Industries, Vocational and Skill Development Training Centre, Council for Technical Education & Vocational Training (CTEVT) etc.
• Should not be blacklisted at CIC

3. Foreign Employment Returnee Project Loan

Eligibility Criteria:

• The borrower shall have minimum working experience (with or without obtaining work permit) of at least 6 months in training/employment/business field from the foreign country.
• The individuals holding permit for permanent residency (PR/Green Card) shall not be eligible to avail such loan.
• Return date should not exceed time frame of 3 years (documentary evidence required).
• This facility shall be provided to foreign employment returnee against the Business project related to the knowledge and skill he gained abroad
• Should not be blacklisted at CIC

4. Women Entrepreneurship Loan

Eligibility Criteria:

• Loan to be advanced to woman only
• Where loan is provided to a group, group should be form with minimum of 5 women from different families having minimum age of 18 years
• Should not be blacklisted at CIC

5. Dalit Community Entrepreneurship Development Loan

Eligibility Criteria:

• The borrower should be from Dalit Community
• Recommendation from Rural-Municipality (Gaupalika) or Municipality regarding their belongingness to Dalit Cast
• Shall operate business for modernization and promotion of traditional skill and occupation of Dalit Community
• Where loan is secured to the group, group should be form with minimum of 5 individuals of Dalit Cast from different Dalit families having minimum age of 18 years
• Should not be blacklisted at CIC

6. Higher & Technological or Vocational Education Loan

Eligibility Criteria:

• Should have minimum academic qualification of Higher Secondary Level or Equivalent.
• Should not be above 25 years of age at the time of loan approval
• Documentary evidence of admission or Documents verifying the eligibility of admission in the Educational Institution of Nepal
• Should not be blacklisted at CIC

7. Earthquake Victims Residence Construction Loan

Eligibility Criteria:

• Earthquake victims should not have taken any institutional subsidy other than the subsidy provided by Nepal Government.
• Earthquake victims unable to construct residence due to financial crisis that has entered into agreement with National Reconstruction Authority.
• Neither of the borrower nor the immediate family member has residence within the nation.
• The subsidized loan facility must be utilized within the time frame defined by National Reconstruction Authority to construct (complete) the home.
• Borrower availing the earthquake victim residence reconstruction loan shall not be eligible to apply for loan under any other scheme.