NirdhanEmergency LoanLowest
Effective rate
10.00% Fixed
Base rate
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Fixed-rate product, effective Asar 2083.
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रू
Microfinance loan rates
We found 143 products
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).
Lowest loan rates
Product typeRate p.a.
Base rate
Product typeRate p.a.
Compare loan rates
Microenterprise / SMEAgriculture / LivestockDeprived sectorWorking capitalPersonal / HouseholdHomeGoldAgainst depositEducation
95 products
Last updated: Asar 2083
NESDO SamriddhaBideshik Rojgar (Foreign Employment) Loan - secured/collateral
Effective rate
12.00% Fixed
Base rate
16.72%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
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AatmanirbharEmergency Loan (Aapatkalin Karja)
Effective rate
13.00% Fixed
Base rate
13.08%
Premium
—
Max tenure
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Max LTV
—
Fixed-rate product, effective Asar 2083.
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Global IMEForeign Employment Loan
Effective rate
13.38%–15.00%
Base rate
11.10%
Premium
+2.28%–3.90%
Max tenure
—
Max LTV
—
Effective rate = bank base rate + product premium, effective Asar 2083.
Product specification
- Max tenure
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Global IMEEmergency Loan
Effective rate
13.38%–15.00%
Base rate
11.10%
Premium
+2.28%–3.90%
Max tenure
—
Max LTV
—
Effective rate = bank base rate + product premium, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
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SwastikEmergency Loan (family-guaranteed, up to NPR 25,000, 2-yr)
Effective rate
13.45%–13.45%
Base rate
12.15%
Premium
+1.30%–1.30%
Max tenure
—
Max LTV
—
Effective rate = bank base rate + product premium, effective Asar 2083.
Product specification
- Max tenure
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SwastikIndividual Loan (collateralized, up to NPR 1,500,000, 10-yr)
Effective rate
13.45%–13.45%
Base rate
12.15%
Premium
+1.30%–1.30%
Max tenure
—
Max LTV
—
Effective rate = bank base rate + product premium, effective Asar 2083.
Product specification
- Max tenure
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MithilaAakasmik Karja (Emergency Loan)
Effective rate
13.75% Fixed
Base rate
10.75%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
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MithilaBaideshik Rojgar Karja (Foreign Employment Loan)
Effective rate
13.75% Fixed
Base rate
10.75%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
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MithilaByaktigat Karja (Personal Loan)
Effective rate
13.75% Fixed
Base rate
10.75%
Premium
—
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—
Max LTV
—
Fixed-rate product, effective Asar 2083.
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ForwardSpecial Loan
Effective rate
13.92% Fixed
Base rate
11.61%
Premium
—
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—
Fixed-rate product, effective Asar 2083.
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ForwardSocial Loan
Effective rate
13.92% Fixed
Base rate
11.61%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
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SworojagarForeign Employment Loan (Collateral)
Effective rate
14.00% Fixed
Base rate
11.16%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
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SwabhimanAnugaman Karja (Monitoring / Follow-up Loan)
Effective rate
14.00% Fixed
Base rate
12.05%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
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Rates change every Bikram-Sambat month
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Jeevan BikashEnergy Loan
Effective rate
14.00% Fixed
Base rate
12.19%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
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- Max amount
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Jeevan BikashDiscipline Loan
Effective rate
14.00% Fixed
Base rate
12.19%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
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- —
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- Max amount
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ChhimekConsumer Loan
Effective rate
14.10% Fixed
Base rate
11.66%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
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ChhimekEmergency Loan
Effective rate
14.10% Fixed
Base rate
11.66%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
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- Max amount
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ChhimekIndividual Loan
Effective rate
14.10% Fixed
Base rate
11.66%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
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SwabalambanForeign Employment Loan (up to NPR 2 lakh)
Effective rate
14.10% Fixed
Base rate
12.80%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
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SwabalambanEmergency Loan (up to NPR 50,000-1 lakh)
Effective rate
14.10% Fixed
Base rate
12.80%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
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KalikaForeign employment loan
Effective rate
14.10% Fixed
Base rate
—
Premium
—
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—
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—
Fixed-rate product, effective Asar 2083.
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KalikaEmergency loan
Effective rate
14.10% Fixed
Base rate
—
Premium
—
Max tenure
—
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—
Fixed-rate product, effective Asar 2083.
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Suryodaya WomiPersonal Loan (non-group members)
Effective rate
14.10% Fixed
Base rate
12.32%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
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Suryodaya WomiEmergency Loan (disaster/emergency)
Effective rate
14.10% Fixed
Base rate
12.32%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
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HimalayanEmergency Loan
Effective rate
14.10% Fixed
Base rate
11.99%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
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HimalayanDisaster Loan
Effective rate
14.10% Fixed
Base rate
11.99%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
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HimalayanEasy Loan
Effective rate
14.10% Fixed
Base rate
11.99%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
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MeroForeign Employment Loan
Effective rate
14.10% Fixed
Base rate
12.66%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
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MeroSocial Loan (Samajik Karja)
Effective rate
14.10% Fixed
Base rate
12.66%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
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MeroIndividual Loan (Collateral)
Effective rate
14.10% Fixed
Base rate
12.66%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
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- —
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- —
SamudayikEmergency Loan
Effective rate
14.10% Fixed
Base rate
13.96%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
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Grameen BikasEmergency Loan
Effective rate
14.10% Fixed
Base rate
12.63%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
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Grameen BikasGrameen Family Loan
Effective rate
14.10% Fixed
Base rate
12.63%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
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NADEPMicro Health Insurance Loan
Effective rate
14.10% Fixed
Base rate
12.75%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
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Aarambha ChautariGeneral Loan
Effective rate
14.10% Fixed
Base rate
13.40%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
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- —
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GanapatiEmergency Loan
Effective rate
14.10% Fixed
Base rate
13.11%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
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GanapatiDisaster Loan
Effective rate
14.10% Fixed
Base rate
13.11%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
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GanapatiRenewable Energy Loan
Effective rate
14.10% Fixed
Base rate
13.11%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
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InfinityAlternative Energy Loan
Effective rate
14.10% Fixed
Base rate
12.28%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
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InfinityForeign Employment Loan
Effective rate
14.10% Fixed
Base rate
12.28%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
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- —
InfinityEmergency Loan
Effective rate
14.10% Fixed
Base rate
12.28%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
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- —
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- —
InfinityConsumer Loan
Effective rate
14.10% Fixed
Base rate
12.28%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
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DhaulagiriEmergency Loan (Akasmik Karja) - medical/death/childbirth/disaster NPR 5,000-10,000
Effective rate
14.10% Fixed
Base rate
14.13%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
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- —
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NESDO SamriddhaSadharan (General) Loan - unsecured
Effective rate
14.10% Fixed
Base rate
16.72%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
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- —
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- —
NESDO SamriddhaUpabhogya (Consumption) Loan - unsecured
Effective rate
14.10% Fixed
Base rate
16.72%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
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NESDO SamriddhaParva (Festival) Loan - unsecured
Effective rate
14.10% Fixed
Base rate
16.72%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
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- —
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NESDO SamriddhaAapatkalin (Emergency) Loan - unsecured
Effective rate
14.10% Fixed
Base rate
16.72%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
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- —
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- —
NESDO SamriddhaBideshik Rojgar (Foreign Employment) Loan - unsecured
Effective rate
14.10% Fixed
Base rate
16.72%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
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- —
- Max amount
- —
ShrijanshilSocial Loan (Non-Collateral)
Effective rate
14.10% Fixed
Base rate
12.03%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
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- —
- Max amount
- —
ShrijanshilForeign Employment Loan (Non-Collateral)
Effective rate
14.10% Fixed
Base rate
12.03%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
Jeevan BikashEmergency Loan
Effective rate
14.10% Fixed
Base rate
12.19%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
AatmanirbharForeign Employment Loan (Baidesik Rojgar Karja)
Effective rate
14.10% Fixed
Base rate
13.08%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
NirdhanForeign Employment Loan
Effective rate
14.38% Fixed
Base rate
—
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
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- —
- Max amount
- —
NirdhanMobile Loan
Effective rate
14.38% Fixed
Base rate
—
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
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- —
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- —
JanautthanEmergency Loan
Effective rate
14.38% Fixed
Base rate
12.86%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
JanautthanForeign Employment Loan
Effective rate
14.38% Fixed
Base rate
12.86%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
JanautthanCommodity Purchase Loan
Effective rate
14.38% Fixed
Base rate
12.86%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
AshaEmergency Loan
Effective rate
14.38% Fixed
Base rate
—
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
AshaForeign Employment Loan
Effective rate
14.38% Fixed
Base rate
—
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
AshaPersonal Loan
Effective rate
14.38% Fixed
Base rate
—
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
MatribhumiSaral Karja
Effective rate
14.38% Fixed
Base rate
—
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
MatribhumiAkashmik Karja (Emergency Loan)
Effective rate
14.38% Fixed
Base rate
—
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
MatribhumiBaideshik Rojgar Karja (Foreign Employment Loan)
Effective rate
14.38% Fixed
Base rate
—
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
DeproscGeneral Loan
Effective rate
14.71% Fixed
Base rate
10.94%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
DeproscMaternity Loan
Effective rate
14.71% Fixed
Base rate
10.94%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
Nerude MirmireConsumer Loan
Effective rate
14.72% Fixed
Base rate
9.82%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
Nerude MirmireForeign Employment Loan
Effective rate
14.72% Fixed
Base rate
9.82%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
Nerude MirmireEmergency Loan
Effective rate
14.72% Fixed
Base rate
9.82%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
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- —
LaxmiSocial/Consumption (SC) Loan
Effective rate
14.72% Fixed
Base rate
13.90%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
LaxmiLaxmi Revival Loan (LRL)
Effective rate
14.72% Fixed
Base rate
13.90%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
LaxmiLaxmi Foreign Employment Loan (LF)
Effective rate
14.72% Fixed
Base rate
13.90%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
SwabhimanByaktigat Karja (Personal Loan, collateral-based)
Effective rate
14.72% Fixed
Base rate
12.05%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
SwabhimanBaideshik Karja (Foreign Employment Loan, collateral-based)
Effective rate
14.72% Fixed
Base rate
12.05%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
NMBBaidesik Rojgar Karja (Foreign Employment Loan)
Effective rate
15.00% Fixed
Base rate
11.47%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
SamataHealth and Treatment Loan
Effective rate
15.00% Fixed
Base rate
—
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
SamataEasy Loan (Sajilo Karja)
Effective rate
15.00% Fixed
Base rate
—
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
Wean NepalSaral Karja (Simple Loan)
Effective rate
15.00% Fixed
Base rate
13.60%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
Wean NepalMausami Karja (Seasonal Loan)
Effective rate
15.00% Fixed
Base rate
13.60%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
Wean NepalAkasmik/Samajik Karja (Emergency/Social Loan)
Effective rate
15.00% Fixed
Base rate
13.60%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
ManushiCentre Fund Loan
Effective rate
15.00% Fixed
Base rate
14.87%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
Unique NepalMedical Treatment Loan (Aushadhopachar Karja)
Effective rate
15.00% Fixed
Base rate
13.09%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
Unique NepalHousehold Loan (Gharayasi Karja)
Effective rate
15.00% Fixed
Base rate
13.09%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
Unique NepalFamily Guarantee Household Loan (Parivarik Jamani Gharayasi Karja)
Effective rate
15.00% Fixed
Base rate
13.09%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
UpakarEmergency Loan
Effective rate
15.00% Fixed
Base rate
12.55%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
CYC NepalForeign Employment Loan
Effective rate
15.00% Fixed
Base rate
—
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
CYC NepalCYC Emergency Loan
Effective rate
15.00% Fixed
Base rate
—
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
AviyanEmergency Loan
Effective rate
15.00% Fixed
Base rate
10.28%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
AviyanSeasonal Loan
Effective rate
15.00% Fixed
Base rate
10.28%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
AviyanAlternative Energy Loan
Effective rate
15.00% Fixed
Base rate
10.28%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
AviyanIndividual Loan
Effective rate
15.00% Fixed
Base rate
10.28%
Premium
—
Max tenure
—
Max LTV
—
Fixed-rate product, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
MahuliSanitation & Toilet Loan
Effective rate
—
Base rate
11.20%
Premium
—
Max tenure
—
Max LTV
—
Effective rate = bank base rate + product premium, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
MahuliForeign Employment Loan
Effective rate
—
Base rate
11.20%
Premium
—
Max tenure
—
Max LTV
—
Effective rate = bank base rate + product premium, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
MahuliBest Member Loan
Effective rate
—
Base rate
11.20%
Premium
—
Max tenure
—
Max LTV
—
Effective rate = bank base rate + product premium, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
MahuliEmergency Loan
Effective rate
—
Base rate
11.20%
Premium
—
Max tenure
—
Max LTV
—
Effective rate = bank base rate + product premium, effective Asar 2083.
Product specification
- Max tenure
- —
- Processing fee
- —
- Max amount
- —
How to choose a loan in Nepal
Loan pricing in Nepal works differently from many countries. Here's what to check before you borrow:
1
Understand base + premium: Your lending rate is the bank's base rate plus a fixed premium. Both are published — compare the combined effective rate.
2
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.
3
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.
4
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.
5
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.
6
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.