Lending Schemes
   Retail Loan
   Loan Against Maketable Securities
   Fixed Deposits
   Saving Account
   Provident Fund Deposits
   Issuance of Bank Guarantees
   Financial Advisory
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   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
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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
Financial Information


  • Individual can be Resident or Non- Resident.
  • Individual should be employed, self employed or professionals.
  • Loanee should have adequate and regular source of income, which should match with EMI .

Loan Amount

As per the construction cost and maximum up to Rs. 8,000,000.00 (NRP Eight Million only)

Interest Rate & Other charges

1 year - 9.75%
2 year – 10.00%
3 year – 10.25%
4 year – 10.50%
5 year – 10.75%

Processing Fee: 1% of loan amount (one time only)

Security Arrangement

  • Title rights of purchased or security of an assets.
  • Personal Guarantee or counter guarantee.

Repayment & Repayment Period

Repayment will be based on EMI(Equal Monthly Installment) depending upon your income and repayment capacity.

Document required for property valuation:

  • Land owner’s citizenship certificate.
  • Land ownership document.
  • Surrounding Boundary.
  • Cadastral Map.
  • Revenue Payment receipts.
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