- interest rates in Nepal

  Nepalese loans: get a loan with the lowest interest rates!


Borrowing money can be an interesting way to be able to make investments (fe in a business, house, study), bridging financial difficult times or to buy expensive (consumer) goods like cars, motorcycles or household appliances. As interest rates may vary dramatically amongst different financial institutions it is wise to carefully study these differences before getting a loan. want to help you by providing an overview of interest rates of different financial institutions for different types of loans.

Car/auto/motor cycle loans
Name of bank   Lowest Highest checked
Rastriya Banijya Bank   7,99% 7,99% 14-07-15
Nepal Bank   9.0% 10,5% 14-07-15
Nabil bank   9,5% 12,0% 14-07-15
Bank of Kathmandu   13,0% 14,0% 14-07-15
Machhapuchchhre Bank Limited   9,5% 15,0% 14-07-15
Nepal Bangladesh Bank   11% 15,0% 14-07-15
Citizens’ International Bank   9,0% 19.0% 14-07-15
Kumari Bank   10,0% 16,0% 14-07-15
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Mortgages and/or home loans
Name of bank   Lowest Highest checked
Nepal Bank   9,00% 11,0% 09-07-15
Rastriya Banijya Bank   8,0% 11,0% 15-07-15
Bank of Kathmandu   13,0% 14,0% 14-07-15
NIC Asia bank   8,0% 14,0% 14-07-15
Machhapuchchhre Bank Limited   9,5% 16,0% 14-07-15
Himalayan Bank Ltd   8,75% 12,0% 14-07-15
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Personal loans
Name of bank   Lowest rate Highest rate checked
Nepal Bank   11,25% 12,75% 15-07-15
Rastriya Banijya Bank   110% 11,0% 15-07-15
Nic bank   11,0% 15,0% 14-07-15
Bank of Kathmandu   13,0% 14,0% 14-07-15
Nabil bank   11,5% 12,0% 14-07-15
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Educational loans
Name of bank   Lowest rate Highest rate checked
Nepal Bank   9,5% 10,0% 15-07-15
Rastriya Banijya Bank   9,5% 9,5% 15-07-15
Bank of Kathmandu   13,0% 14,0% 14-07-15
Machhapuchchhre Bank Limited   11,0% 16,0% 14-07-15
Kumari Bank   12,0% 16,0% 14-07-15
Citizens’ International Bank   11,0% 12,0% 14-07-15
Nepal Bangladesh Bank   12,0% 14,0% 14-07-15
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Central bank
Nepal Rastra bank
Central bank of Nepal
Latest bank news
Citizens Bank International Ltd (CZBIL) has started its 56th branchless banking service at Jufal VDC of Dolpa. Issuing a press release on Tuesday, the bank said it has appointed local trader Hari Lal Budha as its representative for the branchless banking service. Read more

Earthquake victims seeking subsidised loans from the banks and financial institutions under Nepal Rastra Bank’s (NRB ) refinance scheme will get the credit only if they build earthquake -resistant houses. Read more

Nepal Investment Bank has provided financial support worth Rs. one million in a bid to support the flood-hit people across the country.

Nepal Rastra Bank (NRB) on Tuesday took over the management of Nepal Credit and Commerce Bank (NCC Bank) as the former’s efforts to settle down the tussle between two promoter groups went futile.

Standard Chartered Bank Nepal Ltd continued to record a revenue growth during financial year ended 2012-13. SCB Nepal’s operating profit and net profit for the period were recorded at a level of Rs 1.86 billion and Rs 1.22 billion, respectively. The growth in net profit was 4.2 per cent over the previous year.

Nepal Investment Bank Limited today opened its sixth branchless banking outlet at Tokha,  Kathmandu. Branchless banking service has emerged as an effective tool to provide retail banking services in rural and suburban areas and incorporates cash deposit and withdrawal, fund transfers, bill payments and topping up of mobile phone accounts through POS terminals.

For most Nepali households‚ owning a home and a car has become achievable thanks to banks offering home and auto loans at a relatively cheaper rate. Commercial banks have started providing home loans and auto loans at as less as 9.5 per cent interest rate as of now‚ depending on the period of the debt. The rates used to be higher than 11.5 almost a year ago. .

After police arrested his wife on charge of banking fraud and fingers pointing at him also, an embattled Kamal Prasad Gyawali has called it quits from the post of CEO of KIST Bank Limited and its operator.

Nepal Bank is planning to float right shares soon. “Nepal bank will issue right share soon after mid-April,” informed the coordinator of Nepal Bank Maheshwor Lal Shrestha briefing the branch chiefs in the two-day regional interaction.

Global IME Bank has opened a branchless banking unit in Fulbari VDC of Kailali district. The branchless banking facility was inaugurated by the bank’s deputy chief executive Janak Sharma Poudel amid a function.

Standard Chartered PLC announced a 10th consecutive year of income, profit and dividend growth. With operations in many of the world’s most dynamic economies, the company now has 26 markets delivering over $100 million of income. Total group income was up by eight per cent to $19.07 billion.

Almost half the commercial banks have yet to increase their paid up capital to Rs two billion, with less than eight months remaining for the regulatory deadline.  Among the 15 banks, 4 new banks, Mega Bank, Civil Bank, Century Commercial Bank, and Commerz and Trust Bank, have yet to issue shares to the public to increase their paid up capital, whereas the remaining banks including Nepal Bank Limited, Rastriya Banijya Bank, Standard Chartered Bank, Everest Bank, Bank of Kathmandu, NCC Bank, Lumbini Bank, NIC Bank, Kumari Bank, Laxmi Bank and Siddhartha Bank are also either issuing bonus shares or rights shares to meet the deadline.

The Global IME Bank Limited has started agro-loan programme, targeting farmers in mid, far-western regions. The bank will distribute the agricultural loan of Rs. 50,000 to Rs. 10 million through its branches in Baitadi, Dadeldhura, Dhangadhi, Lamki, Surkhet, Dang, Ghorahi, Tulsipur, Nepalgunj, and Pushpalal Branch in collaboration with KL Dugad Group.

Standard Chartered Bank Nepal has won the prestigious ‘Bank of the Year’ award at The Banker Awards. The award was handed over to chief executive of the bank Joseph Silvanus at a grand gala dinner programme held at The Intercontinental Park Lane Hotel, London.

Civil Bank Limited made Rs. 2.27 billion net profit in the first four months of the current fiscal year 2069-70 BS. The bank has raised 10.34 billion deposits while it has made Rs. 9.15 billion loan disbursement during the same period. The bank has claimed that it has zero unproductive loans

NIC Bank has announced cash dividend of Rs 25 per share for fiscal year 2011-2012, which is subject to regulatory requirements and approvals. The bank had posted a net profit of Rs 392 million in fiscal year 2011-12, with its earnings per share of Rs 29.87, return on assets of 1.64 per cent and return on equity of 19 per cent.

Everest Bank has opened its 48th branch with ATM service at Gongabu, Kathmandu. The bank now has 48 branches, two extension counters, 20 revenue collection counters and 62 ATMs.

Sunrise Bank has opened its 49th branch in Nepalgunj on Monday. The new branch will provide enhanced modern banking facilities including the newly launched Sunrise Mobile Banking service.

Bank of Asia Nepal has started mobile banking services through Ncell’s network too. Earlier, the service was only available on Nepal Telecom’s mobile services. Now subscribers of both mobile service providers can enquire about balance, get account statement, transfer funds and make mobile bill payments through this service

The only government owned bank — Rastriya Banijya Bank (RBB) — has finally got a chief executive officer following a long exercise. The CEO selection committee headed by Energy Minister Balanand Poudel selected Krishna Prasad Sharma as the new CEO

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Other topics
Development Banks Nepal

Microcredit and microfinance


At the moment we are doing our very best to gather us much information about interest rates of different type of loans in Nepal.
If you want to add the rates of other banks or financial institutions, or want to report a mistake, please send your comments to

Note: (more) information about interest rates of educational or study loans will be available soon.





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