Basic Eligibility Criteria

  • Any Nepalese Individuals having stable, steady and reliable source of income to serve the loan installment amount along with due interest
  • Age of the applicant and the loan tenure collectively should not exceed sixty five years (applicant’s age + loan tenure > 70)
  • Must be able to provide unencumbered fixed assets collateral (land and building) fully covering the requested loan exposure


  • Social religious ceremonies like marriage, pasni, bratabandha etc.
  • Higher education
  • Refurbishment, Consumer durables.
  • Medical treatment of family member
  • Traveling, Leisure, Pilgrimage

Targeted Customer

  • Individuals of middle and upper middle class income group with regular, adequate, steady and stable source of income

Type Of Subidha Loan Scheme

Type Subidha Loan-Non Revolving(Term Loan Facility)  Subidha Loan-Revolving(Overdraft Facility)
Loan Limit  Rs. 0.20 Million to Rs. 4 Million (2 lacs to 40 lacs) Rs. 0.20 Million to Rs. 1.5 Million (2 lacs to 15 lacs)
Repayment of principal and interest amount  On Equal Monthly Installment (EMI) basis  Renewal on annual basis
Loan Tenure 1 to 10 Years 1 Year (renewal on annual basis)

Attached file with this article

Download this file (Loan_Form_Subidha_English.pdf)

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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