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Interest Rates - Loans

Nepal Interest Rates - Loans

Loans & Advances

w.e.f  15th May 2023, (1st Jestha, 2080)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 5.00%
Home Loan 13.50% 14.50% 15.00% 15.50% BR + Up to 5.00%
Hire Purchase Loan(Individual/Institutions) 13.50% 14.50% 15.00% - BR + Up to 5.00%
Personal Mortgage Term Loan/Other Personal Term Loan 13.50% 14.50% 15.50% 15.50% BR + Up to 5.00%
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 5.00%
Trust receipt BR+ up to 5.00%
Short Term Demand Loan BR+up to 5.00%
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 5.00%
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 5.00%
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 5.00%
Loan against Share / Margin lending BR+ Up to 5.00%
Loan against Bonds (Govt. & Other) BR+ Up to 5.00%
Or applicable Base Rate whichever is higher
Gold Loan BR+ Up to 5.00%
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 (Chaitra 2079)New: 4.17%

     Quarterly AverageBase Rate (Chaitra End 2079)New: 11.08%

Base Rate (Chaitra 2079)New: 10.94%

                   

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Nepal Services Remittances

Remittance to India

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TRENDING PRODUCT

TRENDING PRODUCT

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