Smart FoneLoan

Smart FoneLoan is a digital lending service that facilitates small short-term pre-approved loans to individual customers instantly, through the Laxmi Sunrise Mobile Money app. This service, in essence, can be considered as a Virtual Credit Card for the customer.

Why should you choose Laxmi Sunrise?

Contactless Digital Lending

Collateral-Free Loan

Pre-Approved Loan

Financing Terms & Conditions

  • Max loan amount: NPR 2 Lakhs
  • Permissible Loan Amount Determinants
    •  Average Monthly Salary or Regular Deposits in Account
    • Monthly Balance with Continuity and Utilization
    • Status of existing Loans & History of previous Loans in Bank

Eligibility Criteria

  • Must have a savings account maintained in the bank with regular transactions.
  • Must be a registered user of Laxmi Sunrise Mobile Money
  • Amount of loan is determined automatically by Decision Analytics Software based on the account and transaction history of the customer
  • You will be able to know if you are eligible for the Smart FoneLoan in the app itself.
To know more about Smart FoneLoan, please Click here

Borrowing Power Calculator

Find out how much can you borrow with your current income.
You could borrow up to Rs. 0
Your monthly repayment Rs. 0
These rates may be subjective to change according to NRB policies

Apply for a Loan

Please fill up the form below to apply for a loan.