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NMB Kheti Karja is a collateral-free, quick, paperless and hassle-free digital loan product designed to the farmers who are a part of agri-tech platforms. 


  • Individual Nepalese farmers verified by agri-tech company and actively transacting in agri-tech’s application portal.
  • Account maintained with NMB with verified KYC status.


  • Paperless and hassle-free service. 


  • Digital Experience: Eligible farmers can avail this loan facility instantly through agri-tech platforms.
  • Instant Loan: Loan is essentially pre-approved. All process from application & assessment to disbursement would be automated on end-to-end basis. Eligible customers can avail this loan instantly at their convenience on 24*7 basis.
  • Flexible Loan Facility: Term loan for minimum of 3 months to maximum 24 months period. Loan along with interest to be repaid in Equated Monthly Installment (EMI) within maximum period/tenure selected by customers. Customers can select the loan amount between NPR 10,000 to upper threshold of eligible loan amount (maximum loan amount is NPR 200,000).
  • Collateral Free Loan: No collateral is required to avail this facility. 
  • No Human Contact: Automated, paperless and hassle-free service.
  • Financial Support: It caters the urgent financial requirements of the farmers to purchase input supplies.


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