Lending Schemes
   Retail Loan
   Loan Against Maketable Securities
   Fixed Deposits
   Saving Account
   Provident Fund Deposits
   Issuance of Bank Guarantees
   Financial Advisory
   Loan Advisory
   Market Maker For Government Securities
   Express Festival Loans
   Hire Purchase Loans
   Housing Loans
   Education Loans
   Industrial Loan
   Trading Loan
   Personal Loan / Schemes
   Loan Against Fixed Deposit
   Loan Against Share, Debentures & Bonds
   Loan For IPO
   Bridge Gap Loan
   Consortium Loans
   Foreign Employement
   Term Loan
   Working Capital Loan
   Loan Against Fixed Deposit
   Loan Against Other Company Shares
   Loan Against Government Securities
   Interior Design
   Exterior Design
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HAMA Merchant and Finance Limited
Tripureshwor, Kathmandu, Nepal
P.O.Box : 1425
Phone : 4249503,4216482, 016213290   Fax : 4250245
Email : info@hamafinance.com.np
Interest Rates
About Us
Terms & Conditions
e-Banking Faq
Capital Planning
Express Festival Loans
We now offer Express Festival Loans to help fulfill all your needs. The procedure is simple, documentation is minimal and approval is quick.

Features & Benefits
Borrow from Rs 10,000/- to 50000/- for any purpose depending on your needs.
Repayment within 12 months or remaining service period whichever is less.
Repay with easy EMIs.
Competative interest rate of 12%
Hassle free loans - No security/collateral required , Just Employer Guarantee .
Customer Privileges
                If you are an Hama Financial Account holder, we have special rates for you.
Eligibility Criteria
Salaried Individuals :
  • Minimum age of Applicant: 21 years
  • Maximum age of Applicant at loan maturity: 60 years
  • Minimum employment: 6 Months with the current employer
  • Minimum Net Monthly Income: Rs. 5,000 p.m
  • Salary should be double the EMI.
Documents required:
  • Proof of Identity (Citizenship copy/ Employee ID Card along with photo)
  • Address Proof (Tel/elect. Bill/ Rental agreement )
  • Bank Statements (latest 3 months bank statement /passbook). Age of bank A/C should be 6 months
  • Latest 3 months salary slip or current dated salary certificate or 3 Salary credits in the bank A/C
  • No objection letter from Employer, Commitment from employer to deduct EMI from Loanee salary
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