Industries, trade, businesses, establishments and other debtors directly affected by the unusual situation created during the last movement will get loan restructuring and rescheduling facilities. At the request of the borrower, the National Bank has given the facility to reschedule or restructure the loan subject to the conditions specified after determining the effect.

Such rescheduling or restructuring should be done by the end of January 2082. The National Bank has also asked the banks and financial institutions to classify the rescheduled or restructured loans in the same category as at the end of June 2082 and maintain the loan loss system. Borrowers who have forward/backward linkages with the lending institutions directly affected by the abnormal circumstances created during the demonstration have also got loan rescheduling and restructuring facilities. But they will have to pay 5 percent of the outstanding interest. 

"After determining the effect, the licensed institution related to the loan can reschedule or restructure the loan subject to the following conditions by recovering a minimum amount of 5 percent of the interest to be paid by the borrower," said the National Bank.

The industries, trades and commercial establishments directly affected by the unusual situation created during the demonstration will get loans at cheap interest rates to pay the salaries of the employees. In order to ensure the employment of the employees working in the affected organizations and establishments, the National Bank has instructed the banks and financial institutions to provide cheap loans to the employing organizations/establishments. 

"In order to ensure the employment of employees working in industries, trade, commercial establishments and economic activities directly affected by the unusual situation created during the Gen-G movement, if the employer organization/establishment applies for a loan through the banking system to provide wages through the payroll protection scheme, the bank will have to add a maximum of 0.50 percentage points to the base rate to provide the loan," said the instructions of the National Bank. This type of loan has to be disbursed only for a period of one year or the period of establishment of the institution, whichever is less.

2 (two) percent interest rate for up to 6 months on the interest rate charged on the loan received in this way will be subsidized by the Government of Nepal. The grant should be made available to the borrower after receiving it from the Government of Nepal. The National Bank has arranged that the relevant employer organizations should apply for such loans by the end of January 2082.

Industries that provide employment to at least 100 women and export at least 25 percent of total production with at least 25 percent value addition will also get loans at low interest rates. For such loans, banks and financial institutions have asked to maintain the loan interest rate by adding a maximum of 1 percentage point premium to their base rate.  The National Bank has also asked the licensed institution to maintain the interest rate of the loan by adding a maximum of 0.5 (zero point five) percentage point premium to its base rate for the time it takes for the business to be operational. In this way, if the equity ratio of the loans is more than 80:20, the provision of classifying them in the micro monitoring category has been exempted for 1 year.

If you take a loan to replace the vehicle damaged during the performance, you will get a loan of up to 80 percent of the value of the vehicle. "The loan-to-value ratio can be maintained up to 80 percent when loans are provided to replace vehicles and transport vehicles that are being used commercially in industries and commercial establishments directly affected by the Gen-G movement," said the circular.

When banks and financial institutions provide loans to purchase vehicles, there is a provision that they can only give loans up to a maximum of 60 percent of the loan value of the vehicle. Accordingly, it applies to both the purchase of all-purpose electric vehicles and personal other vehicles for private purposes. Now, the National Bank has given facilities to industrialists, businessmen, establishments etc. who have suffered losses in the agitation.