Nabil Bank Personal Loan 2026 — Interest Rate, Loan Limit & Eligibility
Nabil Bank personal loan rate, EMI example and eligibility for 2026 (Asar 2083).
Nabil Bank's personal loan starts at 4.58% p.a. for Asar 2083 (June 2026). In Nepal a floating loan rate = base rate + a premium; below are the rate, a worked EMI, and what lenders check.
Nabil Bank personal loan — rate and how it's priced
| Loan | Effective rate (from) | How it's priced |
|---|---|---|
| Personal | 4.58% | 4.58% + 0.00% |
| Personal | 8.08% | 4.58% + 3.50% |
| Personal | 9.58% | 4.58% + 5.00% |
| Personal | 11.99% | 11.99% (fixed) |
Worked EMI example
On a Rs 5.00 lakh personal loan over 5 years at 4.58%, the EMI is about Rs 9,340 per month, with total interest of roughly Rs 60,383. Compare against the whole market on the loan page and try your own numbers on the EMI calculator.
How the rate is built, and what lenders check
Most Nepali loans are floating: rate = the bank's base rate + a fixed premium, resetting when the base rate moves with NRB policy. Lenders also weigh your income and repayment capacity, the collateral value and loan-to-value (LTV) limit, your credit history, and the tenure. A longer tenure lowers the EMI but raises total interest.
How we sourced these figures
Every rate on this page is taken from each institution's published rate sheet for the Asar 2083 (June 2026) period and cross-checked against Nepal Rastra Bank (NRB) disclosures. We re-verify the numbers each Nepali month, and the comparison table and the figures quoted in the text are generated from the same dataset — so they always agree. You can explore the live, filterable data on the BFIS Compare comparison page.
Related comparisons
Rates are revised every Nepali month and can change. Figures are for Asar 2083; always confirm the current number on the BFIS Compare comparison page before you apply.
Frequently asked questions
What is Nabil Bank's personal loan interest rate in 2026?+
From 4.58% p.a. as of Asar 2083 (4.58% + 0.00%).
What EMI should I expect on a Rs 5.00 lakh loan?+
About Rs 9,340 per month over 5 years at 4.58%.
How is the rate calculated?+
Floating loan = base rate + a fixed premium; it resets when the base rate changes.
What do lenders check?+
Income and repayment capacity, collateral value and LTV limit, credit history, and tenure.
How often are these figures updated?+
Rates are revised every Nepali month. BFIS Compare refreshes them monthly, so always check the live comparison page before you decide.
Is BFIS Compare free and independent?+
Yes — BFIS Compare is independent and free to use, with figures sourced from Nepal Rastra Bank (NRB) and the institutions themselves.
Written by
Sandeep Kumar ChaudharyFounder of BFIS Compare, writing about Nepal's banks, deposit rates and loans. sandeepkumarchaudhary.com