NAGRAT Loan Chart

NAGRAT Loan Chart

The National Association of Graduate Teachers – NAGRAT Loan chart is the official loan chart used by the NAGRAT Fund for the calculation of loan interests and duration of payment. This chart is often reviewed and updated by the NAGRAT board from time to time.

Read Also: GNAT Mutual Funds

NAGRAT Loan Chart 2024

The NAGRAT Loan Chart has categorized repayment structures under;

  1. Principal
  2. Duration
  3. Interest on the loan
  4. Total repayment and Monthly deduction

Read Also: GNAT Loan Chart

About NAGRAT Loan

  • According to the NAGRAT Fund new loan schedule, the principal amount ranges from Gh¢1,000.00 to GH$40,000.00 depending on each teacher’s affordability.
  • The duration for repayment is spread across six (6) to forty-eight (48) months period for beneficiaries.


How to Calculate NAGRAT Loan Interest

If you take a loan of GHS 2,000 (Principal) from the NAGRAT Fund, your total repayment amount will be GHS 2,240 for a period of 12 months with a monthly deduction of GHS 186.70

This means the interest rate on the loan for the 12 months period is GHS 240.00. The leadership of NAGRAT has therefore said any member of the Association who is interested in the Loan package should contact their District NAGRAT office or the leadership for assistance.


This PDF Loan Chart outlines a list of eligible amounts for a teacher and the interest.

download PDF

NAGRAT Loan Portal Login

You can log into your online NAGRAT Fund Loan portal with these guidelines;

  1. Visit the NAGRAT Fund Portal via
  2. Enter your Staff ID and Password
  3. Enter the Capture Code and click on the sign-in button
  4. Wait for the system to authenticate and redirect to the dashboard

NAGRAT Contact

PHONE: 0302 227254, 0302 227227, 0302 227261
NAGRAT EMAIL: Email: [email protected]


Click the link to join our telegram channel for timely updates

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