Nepal Finance Ltd
Kamaladi-28 (IT Plaza), Kathmandu, Nepal; P.O. Box 6867 ·
Nepal Finance Limited is Nepal's first finance company, a Nepal Rastra Bank-licensed "C" class financial institution established in 2049 BS (1992).
Rates at a glance
Deposit rates
| Product | Type | Tenor | Depositor | Rate p.a. |
|---|---|---|---|---|
| Fixed Deposit | Fixed | 2yr+ | individual | 5.50% |
| Fixed Deposit | Fixed | 1yr–2yr | individual | 4.75% |
| Remittance Savings | Remittance | — | individual | 4.60% |
| Fixed Deposit | Fixed | 2yr+ | institutional | 4.50% |
| Fixed Deposit | Fixed | 1yr–1yr | individual | 4.50% |
| Fixed Deposit | Fixed | 9mo–9mo | individual | 4.25% |
| Fixed Deposit | Fixed | 6mo–6mo | individual | 4.00% |
| Fixed Deposit | Fixed | 1yr–2yr | institutional | 3.75% |
| Normal Savings | Normal Savings | — | individual | 3.60% |
| Fixed Deposit | Fixed | 1yr–1yr | institutional | 3.50% |
Loan rates
| Product | Effective rate | Base | Premium |
|---|---|---|---|
| Hire Purchase Loan | — | 7.69% | — |
| Loan Against Shares | — | 7.69% | — |
| Home Loan | — | 7.69% | — |
| Business Loan | — | 7.69% | — |
| Personal Loan | — | 7.69% | — |
| Educational Loan | — | 7.69% | — |
| Professional Loan | — | 7.69% | — |
| Loan Against Fixed Deposit | — | 7.69% | — |
| Deprived Sector Loan | — | 7.69% | — |
| Subsidized Loan | — | 7.69% | — |
About Nepal Finance
Established in 2049 BS (1992), Nepal Finance Limited (NFL/Nefinsco) was the first finance company of the private sector in Nepal and operates as a "C" class financial institution regulated by Nepal Rastra Bank. Founded by professionals from the education and business sectors, it provides deposits, loans, remittance, debit cards and digital banking services with a focus on financial inclusion in rural and unbanked areas. In 2078 BS it acquired Lalitpur Finance Limited and commenced joint operations, expanding its branch network across Nepal. It is headquartered at Kamaladi, Kathmandu and operates around 11 branches plus an extension counter.
Source: nepalfinance.com.np
Contact
- Head office
- Kamaladi-28 (IT Plaza), Kathmandu, Nepal; P.O. Box 6867
- Phone
- +977-1-4545885, +977-1-4545886
- [email protected]
Products & Services
Deposits
8Saving Account (Normal Savings)
Standard savings account designed for customers sensitive to minimum balance requirements.
- Interest 3.00% to 3.60% p.a.
- Extra 1% interest on remittance deposits
- Online account opening available
- Linked debit card and mobile banking
- Any-branch (ABBS) access
Nari Bachat Khata (Women's Savings)
Savings account designed specifically for women from household and professional backgrounds.
- Targeted at women savers
- Helps build financial security for family
- Online account opening available
Bal Bachat Khata (Children's Savings)
Children's savings account opened by parents in a child's name for future needs.
- Opened by parents for a minor
- Builds savings for child's education
- Long-term financial security focus
Call Account
Flexible call deposit account.
- Interest up to 1.50% p.a.
Current Deposit
Non-interest-bearing transactional account for businesses.
- Interest 0.00% p.a.
- Suited to business transactions
Fixed Deposit (Individual)
Term deposit for individuals across tenures from 6 months to over 2 years.
- 6 months: 4.00% p.a.
- 9 months: 4.25% p.a.
- 1 year: 4.50% p.a.
- 1-2 years: 4.75% p.a.
- Above 2 years: 5.50% p.a.
Fixed Deposit (Institutional)
Term deposit for institutional depositors.
- 1 year: 3.50% p.a.
- 1-2 years: 3.75% p.a.
- Above 2 years: 4.50% p.a.
Akshayakosh
Special deposit product with negotiable terms.
- Interest rate negotiable
Loans
10Home Loan
Loan for purchase or construction of residential property.
- Interest: Base Rate + up to 4%
Hire Purchase Loan
Vehicle/asset financing loan.
- Interest: Base Rate + up to 4%
Loan Against Shares
Loan secured against listed shares.
- Interest: Base Rate + up to 4%
Business Loan
Financing for business and enterprise needs.
- Interest: Base Rate + up to 3%
Personal Loan
General-purpose personal loan.
- Interest: Base Rate + up to 4%
Educational Loan
Loan to finance students' higher-education expenses.
- Interest: Base Rate + up to 4%
- For higher-education expenses
Professional Loan
Loan for professionals.
- Interest: Base Rate + up to 4%
Loan Against Fixed Deposit
Loan secured against a fixed deposit held with the finance company.
- Interest: Coupon Rate + up to 2%
- Secured against own fixed deposit
Deprived Sector Loan
Lending under Nepal Rastra Bank's deprived-sector requirement.
- Interest: Base Rate + up to 2%
Subsidized Loan
Government subsidized-interest loan scheme.
- Interest: Base Rate + up to 2%
Cards
1Debit Card
Card giving direct access to the linked account for payments and cash withdrawal.
- Pay at merchant POS outlets
- Cash withdrawal at ATMs
- Alternative to cash and cheques
Digital & e-services
5Mobile Banking
App for account information and real-time transactions.
- Balance inquiry and statements
- Fund transfers and scan-to-pay
- Utility bills (NEA, water, TV, internet)
- Load eSewa and IMEPAY wallets
- Mobile top-up (NTC, Ncell, Smart)
- Cheque book request
Connect IPS
Interbank payment system for transfers across member BFIs.
- Direct credit account-to-account
- Direct debit collections
- Transfers across participating banks
ABBS (Any Branch Banking System)
Facility to operate your account from any networked branch.
- Deposit, withdraw and inquire at any branch
- Provided free of charge
E-Banking / SMS Banking
Internet and SMS banking channels for account access.
Utility Bill Payment
Online payment of utility bills.
Remittance
1Remittance Service
Money transfer service via branch network and digital partners.
- Partners include eSewa and FonePay
- Available across branch network
- Extra 1% interest on remittance savings deposits
Other
2Safe Deposit Locker
Locker facility for safekeeping of valuables.
EMI Calculator
Online tool to estimate loan installments.
Digital & e-services
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.