(Sponsored by Government of Arunachal Pradesh)

Head Office :: D-Sector, Naharlagun, District : Papum Pare, Arunachal Pradesh - 791 110

NSTFDC     CMFMP     Micro Finance SHG


The Bank provides Term loans for purchase Tourist Taxi like Innova, TATA Safari, Scorpio, Xylo, TATA Sumo, Bolero, Tavera to the Graduate Tour Operators for transportation tourist under the scheme.


  • Any APST Graduate or Diploma in Tourism and General Discipline¬† selected by the District Committee.
  • Preference would also be given to a person with valid driving license and Tour operator.


  • The Maximum limit of loan upto 80% of the cost of the vehicle.
  • Margin Money - Minimum 20% of the cost of the vehicle should be borne by the borrower.

Subsidy Amount: A sum of Rs.3.00 lakhs is provided by the State Govt. through Department of Tourism which is deposited with the bank as Back Ended Subsidy. The amount of subsidy will be adjusted towards loan amount after timely liquidation of the net loan by the beneficiary. Interest is neither paid on the subsidy amount nor charged on loan amount equal to the subsidy amount.

Repayment Period
Maximum 60 months for Net Term Loan with monthly repayment system.

Rate of Interest
12-13 00% per annum depending upon the quantum of loan amount on reducing balance system.

Penal Interest
2.00% on the Overdue amount of over and above the normal rate of interest.


  • Hypothecation of vehicle in favour of the Bank for which lien must be marked in the RC Book and Registration with concerned RTO.
  • A Suitable third party guarantee preferably a Govt. Employee must be obtained up to Rs.5.00 lakhs only.
  • For a loan amount exceeds Rs. 5.00 Lakhs a collateral security of immovable property to the extent of 150% of loan amount based on guidance valuation must be obtained in addition of guarantee by a third party.

Processing Fee
Not exceeding 1% of the limit sanctioned.

The terms and conditions mentioned above are only illustrative. The Bank may ask for any additional documents/ informations depending on the history and track records  of applicant with the Bank.