NIC ASIA Bank Launches Competitive Share-Backed Loan to Boost Investor Liquidity

NIC ASIA Bank has introduced a Share-Backed Loan facility that allows investors to borrow against their existing NEPSE-listed shares without selling them. The product offers fast service, transparent processing, and flexible repayment options with a maximum tenure of one year.

The loan features competitive pricing, including a 9.50% fixed rate option and a floating rate with zero premium over the bank’s base rate, making it a cost-effective borrowing choice. Investors can borrow up to 70% of the value of their pledged shares, based on the lower of the current market price or the 180-day average price, as per Nepal Rastra Bank guidelines.

The facility is available through both Demand Loan (DL) and Overdraft (OD) options, with loan amounts ranging from NPR 5 million to NPR 120 million. Eligible applicants must be between 21 and 70 years old and comply with the bank’s fee structure.

With this offering, NIC ASIA aims to support active investors by providing modern, flexible financing aligned with capital market needs and long-term wealth-building goals.