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Interest Rates - Loans

Nepal Interest Rates - Loans

Loans & Advances

w.e.f.  13th Feb, 2024, (1st Falgun, 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 + 2.00% to 4.00%

Home Loan

13.50%

14.50%

15.00%

15.50%

Upto Rs. 2.00 crore:  BR + 1.00% - 3.00% 

Above Rs. 2.00 crore: BR + 0.50% - 2.50%

Hire Purchase Loan(Individual/Institutions)

13.50%

14.50%

15.00%

-

Personal Purpose (EV): BR + 0.25% - 2.25%

Personal Purpose (IC): BR + 0.50% -2.50%

Official Purpose (EV): BR + 0.25% - 2.25%

Official Purpose (IC): BR + 0.50% - 2.50%

Commercial Purpose (EV): BR + 1.00% - 3.00%

Commercial Purpose (IC): BR + 2.00% - 4.00%

Personal Mortgage Term Loan/Other Personal Term Loan

13.50%

14.50%

15.50%

15.50%

BR + 1.00% to 3.00%

BhuPuu Loan

12.50%

13.50%

14.00%

-

BR + 2.00% to 4.00%

Bhu Puu Plus Loan

12.50%

13.50%

14.00%

-

BR + 2.00% to 4.00%

Loan to Migrant Workers

13.50%

14.50%

15.00%

-

BR + 2.00% to 4.00%

Deprived Sector Lending (Individuals)

12.50%

13.50%

14.50%

-

BR + 2.00% to 4.00%

Term Loan/ Project Finance

-

14.00%

14.50%

15.00%

Corporate: BR + Up to 2.00%

Prime: BR + 1.00% - 3.00%

Others: BR + 2.00% - 4.00%

Account Scheme

Corporate Customers

Prime Customers

 Other Customers 

Working Capital / Cash Credit

BR + Up to 2.00%

BR + 1.00% - 3.00%

BR + 2.00% - 4.00%

Trust receipt

BR + Up to 2.00%

BR + 1.00% - 3.00%

BR + 2.00% - 4.00%

Short Term Demand Loan

BR + Up to 2.00%

BR + 1.00% - 3.00%

BR + 2.00% - 4.00%

Term Loan / Project Finance

BR + Up to 2.00%

BR + 1.00% - 3.00%

BR + 2.00% - 4.00%

Working Capital / Cash Credit -Multinational

BR + Up to 2.00%

BR + 1.00% - 3.00%

BR + 2.00% - 4.00%

Pre shipment / Post shipment Loan

BR + Up to 2.00%

BR + 1.00% - 3.00%

BR + 2.00% - 4.00%

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)

Corporate Customers

Prime Customers

BR + Up to 2.00%

BR + 2.00% - 4.00%

 

BR + Up to 2.00% for Institutions Qualifying under Deprived Sector Lending as per NRB Directives

Deprived Sector Lending( Retail)

BR + 2.00% - 4.00%

Personal Loan/Overdraft

BR + 1.00% - 3.00%

SME Loan

Prime Customers

Other Customers

BR + Up to 2.00%

BR + 2.00% - 4.00%

NSBL Saral Karja for MSME

BR + Up to 2.00%

BR + 2.00% - 4.00%

NSBL Krishak Sathi Karja

BR + 2.00% - 4.00%

Auto Loan / Hire Purchase Loan

Personal Purpose (EV): BR + 0.25% - 2.25%

Personal Purpose (IC): BR + 0.50% - 2.50%

Official Purpose (EV): BR + 0.25% - 2.25%

Official Purpose (IC):BR + 0.50% - 2.50%

Commercial Purpose (EV): BR + 1.00% - 3.00%

Commercial Purpose (IC): BR + 2.00% - 4.00%

 

Loan against Share / Margin lending

BR + 2.00% - 4.00%

Loan against Bonds (Govt. & Other)

BR + Up to 2.00%

Or applicable Base Rate whichever is higher

Gold Loan

BR + 2.00% - 4.00%

FCY Loans (For Payment of Sight LC)

Interest rate shall be as per agreement and/or MRR plus premium subject to applicable NRB guidelines

Interest Spread Rate (Poush 2080)New: 3.99%

     Quarterly AverageBase Rate (Poush End 2080)New: 9.66%

Last Three Months AverageBase Rate New: 9.66%

Base Rate (Poush 2080)New: 9.26%

                   

Click here for Interest Rate History

Nepal Services Remittances

Remittance from India

TRENDING PRODUCT

TRENDING PRODUCT

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