As a step further to help establishment, growth and expansion of small and medium sized enterprises, Himalayan Bank has developed a special loan package meant just to suit small and medium sized enterprises. Business houses coming from industrial, trading and service sector can avail of this facility to meet their short-term and long-term financing needs. This could come in any form- funded or non-funded, depending on specific needs of the business enterprise:

Target Customer

  • Industrial sector such as small and cottage industry
  • Trading , sector such as wholesaler, stockiest, retailers, importers, exporters and suppliers
  • Service sector such as hotel/lodge, restaurants, medical clinics, travel agencies
  • Wholesalers, Retailers, Readymade garments, handicrafts etc

Basic Eligibility Criteria

  • Already established enterprise running for minimum 2 years or new enterprise to be established by individual having proven first hand experience of at least 3 years in similar business entity.
  • Satisfactory Profit margin substantiated by positive cash flow
  • Loan to be secured by Fixed Assets Collateral

Loan Limit

  • Rs. 0.50 Million to Rs. 60.00 Million (5 lacs to 6 crores)

Types of SME Funded Funded Non Funded
Loan Scheme Term Loan

Project Financing, Financing

for Capital Items, Civil

Construction (70% financing)

Working Capital

Overdraft facility,

Demand Loan,

Trust Receipt Loan etc (70% financing)



L/C/ Guarantee

Loan Tenure Maximum 6 Years 1 Year (Renewal on annual basis) -
Loan Repayment On Equal Monthly Installment
(EMI) basis/EQI (Equal
Quarterly Installment (EQI)
Annual Renewal basis -




WC Loan




Fixed Term Loan




Importer's Loan (120 days)

how much would you like to borrow?

Get an idea of your repayments and rates using our Himalayan Bank calculator. The results will be based on the

representative APR for the amount you enter. Your actual rates and repayments will be based on your personal

circumstances, the loan amount and the repayment term.




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monthly repayment

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the same every month

total amount payable

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Annual Percentage Rate

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helpful documents

ID related documents:

Citizenship Certificate of Applicant and property owner

Two Passport size photographs

Firm/Company Registration/PAN/VAT Registration

Article of Association/Memorandum of Association

Partnership Deed (in case of Partnership company)

Board Minute (in case of Pvt. Ltd. Company)

Tax Clearance Certificate/Tax payment Receipt

Legal heir Certificate of property owner (Relationship Certificate)

Security/Collateral related documents:

Property Title Deed (Lalpurja)

Blue Print of Cadastral Map (Napi Naksa)

Certificate of local government office regarding information of Boundaries (Charkilla)

Approved sketch of the Building

Trace Map

Construction completion certificate (If Fixed Asset Collateral consist of building along with Land)

Tax clearance of property

Financials of firm/company:

Profit and Loss Account/Balance Sheet/Cash flow for two Fiscal Years

Projected PL A/c, Balance Sheet, Cash flow for 3 years

Latest Net Trading Assets details (Stock position, Receivables and Payables)

Besides above documents, additional documents may be required on case to case basis as required by the bank management


  • FAQ for this section is coming soon

Expression of Interest Section