- 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
Oct 2, 2015
Nepal Investment Bank has caught fire in the district headquarters Tansen on Friday. The fire started at 11 am today, said Baburam Kandel, Branch Manager at the bank. Read more.

Sept 18, 2015:
Himalayan Bank Limited has offered auto loan at 6.5 percent targeting the customers at the ongoing NADA Auto Show 2015  Read more

Sept 16, 2015:
Siddhartha Development Bank Ltd (SDBL) has launched a new loan scheme to finance taxi purchase. The scheme announced on Wednesday has 10 percent interest rate and loan repayment period of seven years.
Read more

Sept 09, 2015:
Civil Bank Ltd says it will start offering loans to buy and install solar power systems at 2.25 percent interest for households and at 4.5 percent for commercial purposes.
Read more

August 25, 2015:
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

May 22, 2015:
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.

more bank news

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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