Basic Eligibility Criteriar

  • People involved in small businesses having reliable source of income such as business income, salary, income from house rent, remittance, interest on Fixed deposit etc.


  • Purchase of Assets or loan against already owned property and for business investment.

 Loan Tenure

  • Term Loan- Maximum 10 years (Including 1 year Grace Peiod)
  • Overdraft- Renewal on annual Basis

 Target Customer

  • Professional/Businessman with reliable income who must be able to provide unencumbered fixed asset collateral as per the collateral acceptance criteria of the Bank.

 Loan Limit:

  • Rs. 0.50 Million to Rs. 5 Million
Loan Type Term Loan Working Capital(OD)
 Loan Repayment  On Equal Monthly Installment (EMI) basis  Annual Renewal basis
 Loan Tenure Up to 10 Years  1 Year and on Annual Renewal basis

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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