- 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   9,00% 10,00% 20-02-18
Nepal Bank   11% 12,5% 20-02-18
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   12,89% 13,5% 20-02-18
Rastriya Banijya Bank   10,0% 12,5% 20-02-18
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   13,00% 13,50% 20-02-18
Rastriya Banijya Bank   11,0% 12,5% 20-02-18
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   10,5% 11,0% 20-02-18
Rastriya Banijya Bank   9,0% 11,0% 20-02-18
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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Nepal Rastra bank
Central bank of Nepal

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Latest bank news
Feb 22, 2018
Civil Bank Limited has announced the launch of a new saving product named 'Sagarmatha Bachat Khata' which offers 10 percent interest rate per annum. Read more

Feb 20, 2018
Dev Development Bank Ltd has shifted its Pokhara branch office to a new location. The branch office at New Road in Pokahra-Lekhnath Metropolitan City Ward No 9 has been moved to Chipledhunga in Pokhara-Lekhnath Municipality Ward No 8. . Read more

June 20, 2017
Citizens Bank International Ltd (CBIL) has opened its 59th branch office at Chame of Manang.
CBIL Deputy CEO Ganesh Raj Pokharel inaugurated the new branch office on Monday, according to a statement issued by the bank. With this branch office, the bank now has 24 branch offices in Kathmandu Valley and 35 out of the valley. Read more

June 1, 2017
Lower than expected growth in deposits over the past two weeks has shattered hopes of bankers who were expecting that the local level polls and surge in capital expenditure at the end of the fiscal year would pump more money into the banking sector that is grappling with shortage of lendable funds. Read more

April 22, 2017
Registration of personal vehicles saw a drastic drop in the seventh and eighth of current fiscal year, thanks to tightening bank loans. Read more

April 20, 2017
A delegation of Confederation of Nepalese Industries (CNI) on Wednesday met the acting governor of Nepal Rastra Bank (NRB), Chintamani Shiwakoti, and expressed its concern over recent rise on bank lending rates. Read more

March 28, 2017
Nepal Telecom (NT), a service provider of cellular mobile phones in Nepal, has said that it will provide loan service to its customers on Tuesday. Issuing a press statement today, the NT said that the service will be started within the next five months.

February 1, 2017
Nepal Credit and Commerce Bank Ltd has launched 'NCC Utsab Bachat Khata' on the occasion of its 20th anniversary. Issuing a statement, the bank said that customers will get 6.5 percent interest on the saving account. Read more.

February 1, 2017
Nepal Rasta Bank (NRB) has permitted Kumari Bank Ltd to acquire Kasthamandap Development Bank Ltd, Pashchimanchal Finance Company Ltd, Mahakali Bikas Bank Ltd and Kankrebihar Development Bank Ltd. Read more.

October 2, 2016
The Nepal Rastra Bank (NRB) has started distributing new banknotes to general public for the Dashain festival from Sunday. Read more.

August 25, 2016
With the shortage of US dollars becoming acute, commercial banks are preparing to bring the greenback from their accounts in foreign banks. Read more.

August 9, 2016
Sunrise Bank Ltd said Sunday that it had relocated its Sunwal Branch. The bank said the branch was relocated approximately 100 meters east from its previous location in Sunwal Chowk. Read more.

June 28, 2016
Sunrise Bank Ltd has started its seventh branchless banking service in Nayabazar of Ilam. The commercial bank said that the branchless banking service expansion was part of the bank’s plan to provide banking service in unbanked areas. Read more.

June 2, 2016
Sunrise Bank Ltd has decided to acquire National Finance. The bank said that its special general meeting held on Thursday endorsed the proposal decision to acquire National Finance Ltd. The two institutions have already signed an agreement of acquisition. Read more.

April 26, 2016
Siddhartha Bank Ltd and Business Universal Development Bank Ltd (BUDBL), which are pursuing merger, have set their share swap ratio at 115.59:71.64. Annual general meetings of both the institutions endorsed the swap ratio and merger proposal. Read more.

April 1, 2016
Laxmi Bank Ltd has announced the expansion of its 'low cost residential loans' on the occasion of its 14th anniversary. The commercial bank said that the scheme, started in 2013 for the low-income families in Tansen and Pokhara, has now been expanded to Biratnagar and Kohalpur. Read more.

Feb 14, 2016:
Nepal Rastra Bank blocks Rs 500m in dividends to Nabil int'l shareholder. Read more

Feb 02, 2016:
Citizens Bank International Ltd has started branchless banking service in earthquake-hit Sushmachemawati VDC of Dolakha. Read more

Jan 14, 2016:
Nepal Credit and Commerce (NCC) Bank and Kumari Bank Ltd along with four other development banks have decided to go undergo merger. Read more

Dec 31, 2015:
Sunrise Bank Ltd has opened its first branchless banking service (BLB). Issuing a statement, the commercial bank said that its board director Dipak Prasad Bhattarai inaugurated the branchless banking outlet at Mangaltar of Kavre. Read more

Dec 29, 2015:
Everest Bank Ltd has signed an agreement with Nepal Clearing House Ltdfor Inter Bank Payment System. Read more

Dec 10, 2015:
Sanima Bank has introduced online payment service with a view to provide additional services to its clients. The bank said that its clients can now enjoy facilities of fee payment and online registrations for TOEFL, IELTS, SAT, GMAT, GRE, ACCA and make payment for other e-commerce transactions. Read more

Nov 22, 2015
Laxmi Bank has opened its new branch office at Khusibu, Kathmandu. With this, the bank's number of branch offices in Kathmandu Valley has reached 13. Read more.

Nov 3, 2015
Yes Remit Pvt Ltd and Mega Bank Ltd have signed a memorandum of understanding toward providing remittance services. Jung Karki, CEO of Yes Remit, and Raveena Desraj Shrestha, chief business officer of Mega Bank, signed the MoU on Tuesday amid a ceremony. Read more.

Oct 18, 2015:
Himalayan Bank Ltd has provided support items to children of Helping Hands Children Home, Dallu. The bank provided shoes and cloth to 21 children of the home as part of its corporate social responsibility.  Read more

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.

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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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