Subject to this Act, Articles of Association and Regulations and the limits, conditions or instructions prescribed by the National Bank, the "A" category bank may carry out the following banking and financial transactions:-(a) Accepting deposits with or without interest or deposits through various financial instruments. mobilizing and paying them, (b) accepting deposits through electronic devices or means, making payments, making transactions, acting as intermediaries and transferring money, (c) giving loans such as hire purchase, leasing, housing, overdrafts, (d) Providing loans with project and hypothecation collateral and sharing the collateral on the basis of co-financing according to the mutual agreement, (e) Providing loans under the guarantee of foreign banks or financial institutions, (f) Where you already have mortgages. Lend an amount up to the value of the existing movable immovable property or re-mortgage the movable immovable property mortgaged to another bank or financial institution, give a loan up to the value of the movable immovable property. To take a mortgage or to take surety as a third person and to receive, hold, and carry out other transactions related to the mortgaged, secured property, (h) Refinancing from the National Bank or taking loans from other banks or financial institutions as required, (i) Promotion of the project To provide loans or manage loans from the amount received through the Government of Nepal or other domestic or foreign bodies, (j) to write off loans subject to prevailing loan write-off regulations, (k) to issue shares, debentures, bonds, etc. for the purpose of completing the capital fund. (l) Issuing, accepting, paying, discounting or selling promissory notes, bills of exchange, promissory notes, cheques, traveller's cheques, drafts or other financial instruments, (d) digital or card financial instruments for electronic transactionsIssuing, accepting, managing instruments and appointing an agent to do related work, (d) Conducting foreign exchange transactions subject to prevailing laws, (n) Conducting government transactions in accordance with the limits, conditions or instructions set by the National Bank, (t) Nepal Buying and selling or realizing bonds issued by the government or the National Bank, (d) Sending or processing money within Nepal or abroad through bills of exchange, checks or other financial instruments, receiving and paying remittances from abroad, (d) Commission on behalf of customers Acting as an agent, taking charge of shares, debentures or securities, buying and selling them, collecting dividends of shares, debentures or securities, etc. and sending the dividends, profits or interest within Nepal or abroad, arranging safe deposit vaults for customers, (d) off balance sheet Doing business, (n) providing loans up to the amount specified by the National Bank for the economic upliftment of the underprivileged class, low-income families, victims of natural disasters and residents of any region of the country, (c) taking loans from themselves and other banks or financial institutions or Transferring details, information or information of borrowers or customers taking any kind of facility between the National Bank, related agencies or other banks or financial institutions, (f) buying and selling gold, silver, (b) studies and research related to project establishment, operation and evaluation , conducting surveys and providing training, consultation and other information, (b) proper management and sale of all types of property that come into their possession in accordance with this Act and prevailing laws, (m) regarding any action between two or more persons in accordance with prevailing laws (y) To do other work prescribed by the National Bank. (2) This Act, Articles of Association and Regulations shall be subject to the limits, conditions or instructions prescribed by the National Bank. "B" category financial institution shall comply with clauses (a), (b), (c), (f), (j), (j), (j), (t), (d), (t) of sub-section (1). ), (D), (D), (N), (P) and (B) UIn addition to the above mentioned banking and financial transactions, the following banking and financial transactions can also be done:- (a) Granting loans with project mortgages, sharing mortgages on the basis of co-financing, arranging loans jointly according to the mutual agreement, ( b) Issuing a bond on behalf of his client and making necessary conditions with the client for that purpose, taking his movable immovable property as a mortgagee or taking a third person's surety, (c) Issuing, accepting, paying bills of exchange, promissory notes, cheques, traveller's cheques, drafts, Discounting or buying and selling, (d) Taking loans by pledging one's movable and immovable property, (e) Dealing in letters of credit and remittances with the prior approval of Rashtra Bank, (f) Acting as a commission agent on behalf of a customer and taking charge of shares, debentures or securities, Buying and selling shares, debentures or securities, collecting dividends, interest, profits, etc., arranging safe deposit vaults, (g) doing work related to money transfer within Nepal, (h) project establishment, operation and banking, accounting, property, credit evaluation Conducting studies, research, surveys and providing training, consulting and other services and providing information, (i) Doing other work prescribed by the National Bank. Whereas the "C" category financial institution shall comply with clauses (a), (b), (f), (j), (j), (t), (t), (d), (n), (t) of sub-section (1). In addition to the banking and financial transactions mentioned in (c) and (b), the following banking and financial transactions can also be done: (a) providing loans such as hire purchase, leasing, housing, etc., (b) mortgage based on co-financing with other banks or financial institutions. Giving loans jointly according to the agreement between them by doing division (pari passu), (c) Taking loans by pledging their movable and immovable assets, (d) Properly managing their assets, selling or giving them back, (e) Bills of exchange, promissory notes, Issuance of cheques, traveller's cheques, drafts or other financial instrumentsmaking, accepting, paying, discounting or buying and selling, (f) dealing in foreign currency with the approval of the National Bank, (g) providing vehicles, machine tools, equipment, household durable goods to any person, firm, company or organization. or providing installment or hire purchase loans for such other movable assets, (h) providing loans (leasing finance) to any person, firm, company or institution for leasing vehicles, machines, tools, household durable goods or similar movable assets or such Leasing of movable property, (i) Issuing a bond on behalf of his client and making necessary conditions with the client for that purpose, taking security, mortgaging his movable immovable property or taking surety as a third person, (j) Selling part or all of his property. or leasing, (k) immediate or later payment (deferred) of any purchased item, if sold to another buyer at a deferred price, fixing the price of the item according to the agreement of the financial institution and the seller, (l) performing other tasks specified by the National Bank. (4) ) Subject to this Act, Articles of Association, Regulations and the limits, conditions and instructions set by the National Bank, "D" class financial institutions may carry out the following banking and financial transactions: - (a) Projects, savings to groups or members of groups that have maintained savings as specified by the National Bank. (b) Obtaining loans or grants from banks or financial institutions or domestic or foreign associations or organizations, etc., and using such loans or grants in the distribution of microloans or making the work effective. However, before taking a loan or grant from a foreign association or organization, the approval of the National Bank must be obtained. ) To provide necessary services and consultancy to the group in relation to micro-loan operations, (e) To collect micro-loans on time.To take necessary action, (f) to accept deposits subject to the conditions set by the National Bank after obtaining the approval of the National Bank, and to pay such deposits, (g) to issue shares, debentures, debentures, etc. for the purpose of completing the capital fund, (h) himself and others Giving details of borrowers or customers who have taken loans or any kind of facilities from any bank or financial institution, receiving information or information between the National Bank, related agencies or other banks or financial institutions, (i) performing other tasks prescribed by the National Bank. (5) This Act, Memorandum of Association, Subject to the regulations and the limits, conditions and instructions set by the National Bank, the Infrastructure Development Bank may carry out the following financial transactions:- (a) Providing loans and investing in shares in projects related to infrastructure development, (b) Investing in the securities of companies conducting projects related to infrastructure development, (c) To open letters of credit and issue guarantees for transactions related to the purchase, sale or supply or connection of machine tools and tools necessary for the construction and operation of projects related to infrastructure development, (d) To raise funds necessary to invest in projects related to infrastructure development with the approval of the National Bank. Issuing various types of financial instruments in domestic or foreign currency and obtaining loans (e) mobilizing resources by accepting deposits of a long-term nature or issuing debentures, (f) conducting leasing transactions with the approval of the National Bank, (g) foreign banks and financial institutions To accept the guarantee and provide loans and facilities in the project, (h) To perform other tasks specified by the National Bank.