Microfinance loan rates
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Class-D microfinance institutions (Laghubitta) are NRB-licensed lenders that serve low-income and rural members through group lending, deprived-sector and micro-enterprise credit, and member savings — not public fixed deposits. They run the highest rates of the four classes, within NRB caps. Compare their savings, loan and base rates below.
Updated from each microfinance institution's latest published rates (Bikram-Sambat month).
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How to choose a loan in Nepal
Loan pricing in Nepal works differently from many countries. Here's what to check before you borrow:
Understand base + premium: Your lending rate is the bank's base rate plus a fixed premium. Both are published — compare the combined effective rate.
Compare the effective rate, not the premium: A low premium on a high base rate can cost more than a higher premium on a low base. Always compare the total.
Check the LTV and amount: How much you can borrow depends on the loan-to-value cap (e.g. up to 80% for a first home, 60% for vehicles) set by NRB.
Add up the fees: Processing fees are capped at 0.75%, and prepayment/swap charges apply on larger loans — factor these into the true cost.
Fixed vs floating: Fixed promos give rate certainty for a period; floating rates move with the bank's monthly base rate. Pick for your risk appetite.
Your premium is frozen: Once a loan is taken, NRB rules mean only the base rate can change — the bank cannot raise your premium later.
Types of loans
Nepal's banks offer a full range of retail and business loans, each with its own rate and LTV rules.
Home Loan
Finance a house or apartment, with LTV up to 80% for first-time buyers. Many banks offer fixed promos below 7.5%.
Auto Loan
Buy a private vehicle with LTV up to 60% (also 60% for EVs). Tenors typically run up to 7 years.
Personal Loan
Multi-purpose consumer borrowing, secured or collateral-free. Digital instant loans are increasingly common.
Education Loan
Fund higher or technical education at home or abroad, sometimes with government interest subsidy.
Business / SME Loan
Working capital and term loans for businesses, priced by sector (manufacturing, trading, service).
Gold Loan
Quick borrowing against gold collateral, typically up to 70–80% of value, with fast disbursement.
Margin / Share Loan
Borrow against your shares (loan against shares) to invest. NRB caps it at 70% of the lower of the 180-day average or market price, up to NPR 250 million per borrower.
Disclaimer
Rates aggregated from institutions' published disclosures; microfinance products are member-based and data may be partial. Confirm before applying.