All 20 commercial banks · rates checked Ashwin 2083
Know today if a bank will say yes.
Tell us your income and what the loan is for. We'll tell you which banks are likely to approve you, before you visit a single branch.
Free. No obligation. Nothing is sent to a bank until you say so.
Free, and you're under no obligation
No agent, no source-force needed
Every rate shown with the date it was checked
Home loans from 4.96% in Bhadra 2083
Every one of 19 commercial banks' home loan rates, processing fees, maximum tenure and EMIs in one table.
The costs nobody mentions until you are at the counter
Banks publish the interest rate. These are the charges borrowers usually discover late, and we show them on every offer.
- Processing fee, non-refundable
- Typically 0.5% to 1% of the loan. You pay it whether or not the loan is approved. On a 50 lakh home loan that is 25,000 to 50,000 rupees.
- Valuation you pay for
- The bank picks the valuer and you pay the fee. Nepal still has no valuation law, so two banks can value the same land differently.
- The rate can move after you sign
- Floating loans reset when the base rate changes, usually quarterly. Your instalment can rise without you doing anything.
- Prepayment charge
- Paying the loan off early is not always free. We list each bank's published charge next to its rate.
Cheapest rates right now
Lowest effective floating rate per category, base rate plus premium, as published this month.
Nabil Bank
Nabil Home Loan
Effective rate
4.96%– 6.96%Monthly EMI
Rs. 39,436
- Base rate
- 4.46%
- Premium
- 0.5%–2.5%
- Processing fee
- 0.75%
- Effective from
- Bhadra 2083
Nepal Bank Limited
NBL Auto Loan
Effective rate
4.87%– 6.87%Monthly EMI
Rs. 28,218
- Base rate
- 4.37%
- Premium
- 0.5%–2.5%
- Processing fee
- 1%
- Effective from
- Bhadra 2083
Laxmi Sunrise Bank
LSBL Personal Loan
Effective rate
5.94%– 7.94%Monthly EMI
Rs. 15,197
- Base rate
- 4.94%
- Premium
- 1%–3%
- Processing fee
- 1%
- Effective from
- Shrawan 2083
Rates shown are base rate plus the bank's published premium. Fixed-rate options are listed where the bank offers them.
Why borrowers switch to Sasto Karja
Every commercial bank
All 20 of Nepal's commercial banks in one place — the complete list, not a sample. Compare the whole market before you pick.
Real rates, with dates
Base rate plus premium for every product, with the effective date and a link to the bank's own publication. No 'contact us for rates'.
Rate history no one else has
We publish each bank's base rate month by month, dated and sourced — Nepal's only per-bank base-rate history. See where your rate has been heading.
Eligibility before you apply
Our scorer uses NRB's 50% debt-to-income rule and each bank's own limits to tell you which banks will say yes, before a hard enquiry.
One application, your choice of bank
Submit once. Your application goes straight to the bank you picked, with a document checklist and status tracking.
Rate alerts
Base rates change every month. Get an email the moment your bank or loan type moves.
Buy now, pay monthly
Phones, laptops and appliances on EMI. Compare the real cost before you swipe, including the processing fee that 0% offers hide.
Calculators that actually answer your question
Eleven tools, each with a full breakdown you can share or download.
Base rates this month
Every commercial bank, sorted lowest first, with last month's change.
Guides in plain Nepali and English
Basics
How to get a loan from a bank in Nepal, step by step
Bank bata loan kasari line? The whole process in order: pick the loan type, check what you can afford under NRB's income rule, compare rates, prepare documents, get through the CIB check and valuation, and sign. With the questions to ask at each step.
Business loans
Subsidised and concessional loan schemes in Nepal: agriculture, women entrepreneurs, youth and returnees
The government pays 5 to 6 points of your interest on around ten categories of concessional loans, from Rs 5 lakh for a returnee's business to Rs 5 crore for commercial farming. Here is how the subsidy actually flows, who qualifies and what to ask the bank.
Basics
How the base rate works in Nepal, and why your EMI changes every quarter
Every Nepali bank publishes a base rate monthly. Your floating loan rate is that number plus a premium. Here is exactly how it is calculated and when it hits your EMI.
Common questions
Is Sasto Karja a bank?+
No. We compare loans and forward your application to the bank you choose. The bank makes the credit decision.
Where do the rates come from?+
Each bank publishes a base rate monthly and premiums per product. We collect them from bank circulars and Nepal Rastra Bank, record the effective date, and mark each row verified once checked.
Does checking eligibility affect my credit score?+
No. Our eligibility check is a rule-based estimate on our side. Nothing is sent to the Credit Information Bureau until a bank processes your application.
Is it free?+
Yes, for borrowers. Partner banks pay us for qualified applications.