Nepal SBI Bank Gold Loan interest rate 2083
Nepal SBI Bank's gold loan is priced at 7.1%–9.1% effective in Bhadra 2083: a 5.1% base rate plus a 2%–4% premium. That ranks 6th cheapest of the 11 commercial banks we track for this product. On Rs. 2 Lakh over 12 months the EMI is about Rs. 17,315, plus a 0.5% processing fee.
- Effective rate
- 7.1% – 9.1%
- Base rate
- 5.1%
- Premium
- 2% – 4%
- Processing fee
- 0.5%
- Maximum tenure
- 36 months
- Maximum loan-to-value
- 70%
- Rank by rate
- 6 / 11
- Rates effective
- Bhadra 2083
Effective from: 1 Bhadra 2083Source: nsbl.statebank/interest-rates-loans
Nepal SBI Bank Gold Loan: effective rate 7.1%, EMI from Rs. 17,315 per month. Compare with 10 other banks.
Rate breakdown
Base rate
5.1%
Premium
2%–4%
Effective rate
7.1%–9.1%
Fixed
Not published
- Processing fee
- 0.5% (Min Rs. 500)
- Prepayment penalty
- 0%
- Loan amount
- Rs. 25 K – Rs. 25 Lakh
- Tenure
- 3 – 36 months
- Max financing
- 70%
- Age
- 21 – 65 years
Highlights
- Same-day disbursement
- Interest-only option
- Safe custody insured
Who is eligible
Hallmarked or assayed gold ornaments. Valuation at bank counter.
Documents you will need
- Citizenship certificate (copy)
- 2 passport-size photos
- Latest 6 months bank statement
- PAN card
- Gold ornaments
- Purchase receipt if available
Nepal SBI Bank Gold Loan FAQ
What is Nepal SBI Bank's current Gold Loan interest rate?+
Nepal SBI Bank's Gold Loan floating rate is base rate 5.1% plus a premium of 2% to 4%, giving 7.1% to 9.1% effective from Bhadra 2083.
What is the EMI on a Rs. 2 Lakh Gold Loan from Nepal SBI Bank?+
At 7.1% over 12 months, the EMI is roughly Rs. 17,315. Use the calculator above to change the amount or tenure.
Can I prepay a Nepal SBI Bank Gold Loan?+
Yes. The published prepayment charge is 0% of the outstanding balance. Confirm with the branch, as some banks waive it after a minimum period.
