Our Loan Services

Build, buy, or renovate your dream home with the Parijat Home Loan of up to Rs. 50 Lakh. The loan comes with a repayment tenure of up to 15 years with Equated Monthly Installments (EMI) to ease your financial burden. Land and building registration in the applicant's name is required as primary collateral. Members can avail additional top-up facilities after 12 months of regular repayment. This loan is eligible for individual members as well as joint applicants such as husband-wife or siblings.

The Agriculture and Farming Loan is the backbone of our cooperative's mission in Jhapa. Eligible members can borrow up to Rs. 20 Lakh for agricultural inputs including seeds, fertilizers, irrigation, modern equipment, and cold storage. Livestock purchase, poultry farms, and fish farming are also covered. The loan tenure can extend up to 5 years with seasonal repayment flexibility aligned with harvest cycles. Required documents include citizenship, land registration (or lease deed), and one guarantor.

Need instant cash without breaking your fixed deposit? The Loan Against Fixed Deposit scheme lets you borrow up to 90% of your deposit amount at just 2% above your deposit interest rate. Approval is granted within the same business day with minimal paperwork. Your deposit continues to earn interest while you use the loan amount for any urgent need — medical emergency, business opportunity, or festival expenses. This is the smartest way to access liquidity without losing the benefit of your long-term savings.

The Women Entrepreneur Loan is our flagship scheme for empowering women members to become financially independent. Women can borrow up to Rs. 15 Lakh at an interest rate 1% below the standard business loan rate. The loan supports a wide range of activities including tailoring, beauty parlors, dairy farming, vegetable trading, and handicraft production. Collateral requirements are relaxed for amounts up to Rs. 5 Lakh, with only a guarantor required. This scheme has directly contributed to empowering hundreds of women entrepreneurs in Jhapa over the past years.

The Parijat Education Loan helps members fund quality education for their children in Nepal or abroad. Members can borrow up to Rs. 20 Lakh for tuition fees, hostel expenses, examination fees, and study materials. The loan tenure extends up to 10 years with the option to begin repayment 6 months after the student completes their studies — a true grace period. Collateral can be in the form of fixed deposit, parental property, or a government employee guarantor. We believe that education is the most powerful investment a family can make, and this loan is our commitment to making that investment accessible.

The Small Business and Enterprise Loan is designed to support local entrepreneurs in Jhapa who are looking to start or expand their business. Whether you are a shopkeeper in Birtamode Bazaar, a trader at Kakarvitta border market, or an entrepreneur planning to open a local workshop or restaurant, this loan provides up to Rs. 30 Lakh with a flexible tenure of up to 7 years. Collateral options include fixed deposit receipts, land, or other movable assets. Business plan and cash flow projections are required for amounts above Rs. 10 Lakh.

The Micro Enterprise Loan is our cornerstone scheme for economic upliftment at the grassroots level. Targeting members from marginalized and low-income backgrounds, this loan offers up to Rs. 5 Lakh with a simplified approval process and no immovable property collateral required. Activities supported include vegetable farming, small grocery shops, tailoring units, handicrafts, mushroom cultivation, and animal husbandry. Borrowers also receive free enterprise development training from the cooperative to ensure the success of their venture. This loan directly contributes to the Cooperative's goal of inclusive growth in Jhapa.