NMB InstaBuy

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NMB InstaBuy

NMB InstaBuy is a comprehensive digital financing facility offered by NMB Bank.

It functions as a Post-Purchase EMI (Equated Monthly Installment) conversion tool, allowing credit cardholders to transform high-value Point of Sale (POS) transactions into manageable monthly payments.

Designed for the modern economic landscape where liquidity management is essential, NMB InstaBuy empowers clients to manage cash flows efficiently without deferring essential lifestyle or asset purchases.

Why InstaBuy

Financial Agility: Enables cardholders to retain their savings for investments while financing consumption through future income streams.
Digital-First Architecture: A completely paperless workflow. Applications are processed via the eNMB App or NMB Web Portal, eliminating the need for physical branch visits.
Cost Efficiency: Offers a competitive interest rate structure compared to standard revolving credit rates, making high-ticket items more accessible.

Features of InstaBuy

Parameter	Specification
Eligible Transaction Size	Minimum NPR 5,000 up to the available limit of Credit Card
Repayment Tenure	Flexible options of 6 to 12 months
Interest Rate	Base Rate + 5.0% per annum
Administrative Fee	0.75% of the loan amount
Prepayment Penalty	0% (No charges for early settlement)
Collateral	Lien marked on the credit card limit

The NMB InstaBuy process is designed for speed and convenience:

Transaction: The customer makes a purchase using their NMB Visa Credit Card at any POS terminal.
Application Window: The customer must initiate the EMI request within 10 days of the transaction date.
Digital Submission:
1. Log in to the eNMB App or NMB InstaBuy Web Portal (https://instabuy.nmb.com.np/)
2. Upload mandatory documents: POS Sales Slip and Invoice
3. Select tenure: 6 to 12 months (must not exceed the credit card validity period)
EMI Conversion: Upon verification, the transaction is converted into a loan. The credit limit is blocked and restored progressively as EMIs are paid.
Universal Applicability: Customers can convert any eligible purchase from any merchant into EMI.

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NMB InstaBuy

NMB InstaBuy is a comprehensive digital financing facility offered by NMB Bank.