Eligibility requirements for the eSewa loan solution
☑️ KYC verified eSewa account
☑️ Valid PAN and business registration certificate
☑️ At least 6 months of active usage on eSewa
☑️ National or international ticket purchases
☑️ Frequent use of utility services and recharges
☑️ Regular income through customer transactions
☑️ Positive history of on-time loan repayments
Required documents
📄 PAN identification
📄 Registered business certificate
📄 QR standee provided by eSewa
Approval depends on meeting all eligibility criteria. Additional documents may be requested during the review process.
How to apply for the eSewa smart loan
You can apply for the eSewa loan solution directly in the eSewa mobile app, with no need for paperwork or physical visits. Simply log in, go to “Financial Services,” and select “easyloan” to begin the request. Your transaction history and usage patterns will be assessed automatically.
If approved, funds are disbursed instantly. If your application is denied, you may reapply at a later time as your profile changes. The process is fully digital, making it efficient and accessible for regular users of the platform.
How to repay your eSewa loan solution
Loan installments can be repaid within the app itself, either using your eSewa wallet balance or through a linked bank account. Reminders are sent in advance, helping you keep up with due dates.
The platform supports full or partial payments, and consistency in repayment helps build eligibility for future loans. It’s recommended to pay on or before the due date to avoid penalties.
Fees and charges
The eSewa loan solution offers amounts ranging from NPR 15,000 to NPR 200,000. Annual interest rates are set between 17% and 18%. A late payment incurs a 2% penalty on the overdue balance.
There’s also a processing fee that ranges from 0.75% to 1.25%, calculated at the time of loan approval. All terms are shown transparently before you confirm your request.
A tip for your wallet
If you’re aiming to strengthen your eligibility, stay active within the eSewa ecosystem. Use services regularly, maintain a stable flow of customer transactions, and avoid delays in past payments.
The more reliable your activity, the higher your chances of approval — and potentially larger amounts offered in future loan cycles.
Ready to take control of your finances?
Access your smart credit option with eSewa loan solution and boost your business potential
Click the button below to visit the official site and apply with just a few taps.