SalapaBikas Bank was incorporated in 2069/04/01 under the Bank and Financial Institutions Act, 2063 (Amended 2073).The bank was licensed as a regional bank covering geographical area of Khotang district.The name of the bank has been derived from SalapaPokhari, the famous lake for its sacred and spiritual value among the local communities. The promoters of the bank are from different walks of life.
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Overdraft loan are to be paid within a year. If the customer needs the loan it can be renewed by bank.
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This type of of loan is provided to peasants and agro-based business. Such loan can be scheduled and non-scheduled. Scheduled agriculture loan payment is based on equal monthly installments (EMIs) comprising both principal and interest. Whereas non-scheduled agriculture loan like overdraft loan from loan service view.
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Under this type of loan consists of loan are offered to the regular income based clients. The clients should pay Equal Monthly Installments (EMIs) comprised of principal and interest determined at the loan disbursement time. The (EMIs) are set with understanding between the bank and the client on the pragmatic way backed up by the income of the client.
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