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Interest Rates - Loans

Nepal Interest Rates - Loans

Loans & Advances w.e.f. 17.09.2022, (1st Aswin, 2079)New
Personal Loan
Account Scheme Fixed Interest Rate Floating Interest Rate
Up to 3 years Above 3 years to 5 years Above 5 years to 10 years Above 10 years
Education Loan 13.50% 14.50% 15.00% 15.50% BR + Up to 6.00%
Home Loan 13.50% 14.50% 15.00% 15.50% BR + Up to 6.00%
Hire Purchase Loan(Individual/Institutions) 13.50% 14.50% 15.00% - BR + Up to 6.00%
Personal Mortgage Term Loan/Other Personal Term Loan 13.50% 14.50% 15.50% 15.50% BR + Up to 6.00%
BhuPuu Loan 12.50% 13.50% 14.00% - BR + Up to 4.00%
Bhu Puu Plus Loan 12.50% 13.50% 14.00% - BR + Up to 4.00%
Loan to Migrant Workers 13.50% 14.50% 15.00% - BR + Up to 5.00%
Deprived Sector Lending (Individuals) 12.50% 13.50% 14.50% - BR + Up to 5.00%
Term Loan/ Project Finance - 14.00% 14.50% 15.00% BR + Up to 5.00%
Account Scheme Corporate Customers Prime Customers  Other Customers 
Working Capital / Cash Credit BR+ Up to 6.00%
Trust receipt BR+ up to 5.00%
Short Term Demand Loan BR+up to 6.00%
Term Loan / Project Finance BR+up to 5.00%
Working Capital / Cash Credit -Multinational BR+up to 5.00%
Pre shipment / Post shipment Loan BR+up to 6.00%
For FCY Loan New: Interest rate shall be as per agreement subject to applicable NRB guidelines.
Loan Against FDR FD Rate + Up to 2.00%
Or applicable Base Rate whichever is higher
Deprived Sector Lending(MFI,NBFC) BR+ Up to 5.00%
Deprived Sector Lending( Retail) BR+ Up to 5.00%
Personal Loan/Overdraft BR+ Up to 6.00%
SME Loan BR+ Up to 5.00%
NSBL Saral Karja for MSME BR+ Up to 5.00%
NSBL Krishak Sathi Karja BR+ Up to 5.00%
Auto Loan / Hire Purchase Loan BR+up to 6.00%
Loan against Share / Margin lending BR+ Up to 6.00%
Loan against Bonds (Govt. & Other) BR+ Up to 6.00%
Or applicable Base Rate whichever is higher
Gold Loan BR+ Up to 6.00%
FCY Loans (For Payment of Sight LC) Interest rate shall be as per agreement and/or LIBOR plus premium subject to applicable NRB guidelines
 
Interest Spread Rate (Ashad 2079)New: 4.36%
     AverageBase Rate (Ashad 2079)New: 9.61%                    
Click here for Interest Rate History

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Education Loan
Education Loan
NSBL Recurring Deposit
Recurring Deposit
NSBL Corporate Salary Package
Salary Package
Vishwa Yatra Card
Vishwa Yatra Card
SME Loan
SME Loans
Housing Loan
Housing Loan