Prospective Customers

  • 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 Criteria of Eligibility

  • Satisfactory Profit margin substantiated by positive cash flow
  • Already established/running enterprise with good profit margin in last 1 years or new enterprise to be established by individual having proven first hand experience of at least 2 years in similar business entity.
  • Loan to be secured by Fixed Assets Collateral

Credit Facility Limit

  • Funded and Non - Funded Facility : Rs. 0.50 Mil to Rs. 120.00 Mil

Loan Tenure

  • SMEs Term Loan: up to 12 years (including 1 yr grace period)
  • SMEs Working Capital Loan (Demand loan/Overdraft/Trust Receipt): Annual renewal basis


  • Either equal/ballooning installment on a monthly or quarterly basis
  • Repayment of Term Loan may be fixed on EMI basis

Interest Payment

  • Except in cases where repayment of Term Loan is fixed on EMI basis, Interest on all credit facilities is payable on every quarter end.

Interest Rates

Letter of Credit/Bank Guarantee/Cash Margin/Commission: As per Bank's Schedule of Charges

Loan Processing Fee: As per Bank's schedule of charges

Annual Renewal Fee: As per Bank's schedule of charges

For more details please contact any of our Branch Offices

* Condition Apply

Frequently Asked Questions

Who Can Open An Account?

Any individuals or a group of individuals or a company/institution holding a valid ID as per the bank’s requirement can open an account.

Where Do I Go To Open An Account?

You may visit any of our HBL Branches nearest to your locality to open the account

For customers residing outside Nepal, we have our Representative Officers deployed at selected countries.You may contact them for the needful.

How Long Will It Take To Open An Account?

Upon submitting the completely filled ‘Account Opening Form’, it may take 15 – 20 minutes depending upon the type of the account.

What Are The Applicable Fees & Charges While Maintaining An Account With HBL?

To open an account, one has to maintain the minimum balance required as per the Account Type. No additional charges besides this will be levied.

Who Will Help Me Open An Account?

Our Customer Services Executives deployed at our branches will help you to open an account.

For prospective customers living abroad, you may contact our Representative Officers for the required support.

Can My Friend Open An Account For Me?

No, one has to visit the branch personally to open an account.

However, for company account the authorized agent can open an account on behalf of the company.

Can I Transfer My Account From One Branch To Another?

Yes, you can transfer your account from one branch to another. No charges will be levied for such transfers.

Can I Authorize Someone Else To Operate My Account On My Behalf?

Yes, you can authorize someone else to operate your account. Such authorized person’s are called ‘Mandatee’. Once the Mandatee is appointed, he/she will be fully authorized to carry out all the debit/credit transactions from the respective account holder’s account. For detailed information about Mandatee and Mandatee appointment procedures, you may speak to our Customer Services Executive at the HBL Branches.

Who Can Acquire The Internet Banking Services?

Any customer maintaining bank account with HBL can acquire Internet Banking Service

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