A Study of

CREDIT FACILITIESOF NIC ASIA BANK LIMITED

A Project Work Report

Submitted by:
Sandeep Kumar Dube
T.U.Regd.No.7-2-1220-36-2019
Exam Roll No : 712200009
Suryapura Multiple Campus

Submitted to:
Suryapura Multiple Campus
The Faculty of Management
Tribhuvan University
Kathmandu, Nepal

In partial fulfillment of the requirements for the degree of

BACHELOR OF BUSINESS STUDIES(BBS)

Gaidahawa-06 Suryapura ,Rupandehi

April,2024
 DECLARATION

This is to certify that I have completed the Summer Project entitled”(Credit Facilities of
NIC Asia Bank Limited)” under the guidance of “Mr.Ramu Muraw” in partial fulfillment
of the requirements for the degree of Bachelor of Business Studies at Faculty of
Management, Tribhuvan University. This is my original work and I have not submitted it
earlier elsewhere.

Date:…………….
Signature:………….
Name: Sandeep Kumar Dube
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Supervisor's Recommendation

The project work entitled A Study of "(CREDIT FACILITIES OF NIC ASIA BANK
LIMITED)” Submitted by “Sandeep Kumar Dube” Suryapura Multiple Campus,
Gaidahawa, Rupandehi is prepared under my supervision as per the procedure and format
requirements laid by the Facility of Management, Tribhuvan University, as partial
fulfilment of the requirement for the award of the degree of Bachelor of Business Studies
(BBS). I, therefore, recommend the project work for evaluation

______________________
Signature of the Supervisor
Name: Mr. Ramu Muraw
Designation: Lecturer
Date: ………………………

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 ACKNOWLEDGEMENT
At the beginning I am very much grateful to almighty for giving me strength and
opportunity and sound mind to complete the report. I am grateful to many individual for
completing my report successfully.

First of all I would like to thanks my supervisor, Mr.Ramu Muraw who guiding me and
encouraging me to work on this exciting topic for my report .I strongly believe that, these
will assist me a lot to make me more professional and building my future professional. In
the other hand, I would like to thanks all the my teachers who taught me lots valuable
lesson and also thanks to my librarian who provide me proper subject matters books at
proper time to learn me lots.

This report might never have been completed without the necessary particle knowledge,
assistance of many books, articles, websites and secondary data. It enhanced my practical
knowledge in corporate culture.

Similarly, I would like to express my heartily towards my family members and relatives
who spent their valuable time and effort and made great sacrifice for my higher education.

At first, it is glad to present this field work report CREDIT FACILITIES OF NIC ASIA
BANK LIMITED as per the given format prescribed by T.U for the partial fulfillment of
Bachelor of business Studies (BBS) program the subject of business research methods.
This study has not been completed by my soul efforts, many helping hands made
contributions in different ways to bring out in report shapes. It cannot remain without
acknowledging their contributions.

This report writing would not have been possible without guidance and inspiration of our
honorable lecturers and friends. First of all I would like to thanks to my supervisor Mr.
Ramu Muraw and head of management research committee Mr. Dinesh Chaudhary for
the guidance and supervising my report. Especially, thankful to our campus chief
Mr.Kailash yadav.

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 List of Abbreviation

Short Form Details

NRB = Nepal Rastrya Bank
ATM = Automated Teller Machine
UK = United Kingdom
CSR = Corporate Social Responsibility
SME = Small Medium Enterprise
LCY = Local Currency
FCY = Foreign Currency
GBP = British Pound Sterling
JPY = Japanese Yen
USD = American Dollar
AUD = Australian Dollar
EURO = European Pound
NPR = Nepalese Rupees
FD = Fixed Deposit
OD = Overdraft
P.a. = Per Annum
TR = Trust Receipt
FDR = Fixed Deposit Receipt
VAT = Value Added Tax
NRN = Non-Resident Nepali

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 Table of Contents

Declaration ii
Supervisor's Recommendation iii
Acknowledgements iv
List of Abbreviation v
Table of Content vi
List of Tables vii
Endorsement viii
Executive Summary ix
Chapters Page No.
Chapter:1 Introduction 1-8
1.1 Context Information 1
1.2 Purpose of the study 2
1.2.1 General Objectives 2
1.2.2 Specifics Objectives 2
1.3 Significance of the study 2
1.4 Statement of the problem 3
1.5 Limitation of the study 3
1.6 Literature Review 4
1.7 Research Methodology 5
1.7.1 The Research Design 5
1.7.2 Population and Sample 5
1.7.3 Sources of Data 5
1.7.4 Data Collection Technique 6
1.7.5 Types of data 6
1.8 Services Offered by Bank 6
1.9 Economic Function of Bank 8
Chapter:2 Data Presentation Analysis 10-21
2.1 Introduction of NIC Asia Bank 10
2.2 Rate of Interest Provided by Nic Asia Bank 12
2.3 Credit Facilities of Nic Asia Bank 17
Chapter:3 Conclusion and Action Implications 22-23
3.1 Conclusion 22
3.2 Action Implications 22
References

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 List of Tables
Table No. Title Page No.

2.1 LCY Muddati Khata …………………………..13

2.2 Fixed Deposit Products………………………..13

2.3 FCY Fixed Deposit …………………………..13

2.4 FCY Fixed Deposit……………………………14

2.5 Lending Rates…………………………………15

2.6 Lending Rates ……………………………........16

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 Endorsement

We hereby endorse the project work report entitled A study of “(CREDIT FACILITIES
OF NIC ASIA BANK LIMITED)” Submitted by Sandeep Kumar Dube of Suryapura
Multiple Campus, Gaidahawa-6 Suryapura, Rupandehi the partial fulfilment of the
requirements for award of the Bachelor of Business Studies (BBS) for external evaluation.

……………………………… ……………………………….
Mr. Dinesh Chaudhary Mr. Kailash Yadav
Chairman, Research Committee Campus Chief
Date: ……………….. Suryapura Multiple Campus
Date: ……………………

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 Executive Summary

Nic Asia Bank Limited carries banking activities through its 359 branches, 473 ATMs, 106
Extension counters and 81 branchless banking services in the country. The commercial
bankingactivities of the bank encompasses a wide range of services including mobilizing
deposits, providing investment facilities, discounting bills, conducting money transfer and
foreignexchange transactions, and performing other related services such as safe keeping,
collectionsand issuing guarantees, acceptance and letter of credit.

NIC Asia Bank have different credits facilities of loans providing such as Personal Loan,
Education Loan, Auto Loan, Home Loan, Foreign Employment Loan, Fast Track Business
Loan, Priority Business Loan, Working Capital Loan, Loans Against Others Bank's Fixed
Deposit Receipt and etc.

NIC Asia Bank have different saving accounts with different attractive interest rate in the
comparison of others banks. Some of the popular savings accounts are:
SarbashresthaSunyaMaujatBachatKhata, Sarbashrestha RemittanceBachatKhata-
Ambassador, SarbashresthaTalabBachatKhata-The NIC ASIA Goodwill Ambassador and
etc.

NIC Asia bank is now, one of the largest private sector commercial banks in the country in
termsof capital base, balance sheet size, number of branches, ATM network and customer
base. This isone of the most prominent banks in Nepal. It is well known organizational
reputation, expertise, professionalism. The report is analytical and descriptive in nature.
The report was entitled“Credit Facilities of NIC Asia Bank Limited”.For preparing this
reportresearcher use primary and secondary data. Qualitative and quantitative both data
were analyze in this repot and data were presented by using the Microsoft.

The board of director of this bank are: Mr. Tulsi Ram Agrawal as a Chairman and Mr.
Trilok Chand Agrawal, Mr. Ram Chandra Sanghai, Mr. Keshav Prasad Lamsal, Mr. Aditya
Kumar Agrawal and Mrs. Bijayaswar are the directors.

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