Agri-Lending Manual 2025

This agri manual was commissioned by the Swiss Agency for Development and Cooperation funded project Nepal Agricultural Market Development programme Phase II, also known as Sahaj. Sahaj is a bi-lateral project between Government of Switzerland and Government of Nepal. It is implemented by a consortium of Swisscontact (as the lead agency) and the Center for Environmental and Agricultural Policy Research, Extension and Development (CEAPRED) on behalf of Swiss Agency for Development and Cooperation SDC.

The manual is a component of Sahaj, which aims to develop a thriving and inclusive agricultural sector that fosters employment and income growth in Koshi Province of Nepal. The agri-lending manual serves as a resource for Banks and Financial Institutions (BFIs) from all over Nepal to enhance their knowledge and practices in agricultural lending.

The manual was developed by True North Associates. The content of the manual has been informed from research, interviews, and gap analyses conducted with Nepali banking professionals, policy makers and agri-businesses. The manual highlights the importance of understanding the nature of agriculture business, borrowing purpose, needs, and context, but it is not intended to be exhaustive or prescriptive. This manual should only be used as a guiding resource rather than as a standalone solution for addressing institutional challenges in agricultural lending.

The views and opinions expressed herein are those of the author(s), and do not necessarily state or reflect those of the SDC. Further, the SDC does not assume any legal liability or responsibility for the accuracy, completeness of any information, data, methodologies, analysis and conclusions.

The views expressed are those of the author(s) and do not reflect those of Swisscontact. Swisscontact assumes no liability for the accuracy or completeness of the information provided.

The guidelines presented are informed by and is reflective of the credit underwriting scenario of today. They do not necessarily reflect the views of True North Associates and its governing bodies. It should be viewed as a dynamic document with a leeway to evolve with changing lending scenario. True North Associates disclaim liability for any outcomes arising from its use. Users are advised to exercise professional judgment and due diligence when applying the guidelines.