2 banks compared · Bhadra 2083
EMI loan interest rates in Nepal
Phones, laptops and appliances on monthly EMI.
Also searched as: EMI loan · consumer loan · उपभोक्ता कर्जा
The cheapest consumer EMI loan in Nepal in Bhadra 2083 is Everest Bank at 5.13% effective, made up of a 4.13% base rate plus a 1% premium. Effective rates across 2 commercial banks range from 5.13% to 9.86%. Each rate is the bank's own published Bhadra 2083 rate; floating rates reset when the base rate changes.
- Lowest effective rate
- 5.13% · Everest Bank
- Effective rate range
- 5.13% – 9.86%
- Banks compared
- 2
- Maximum tenure
- 36 months
- Maximum loan-to-value
- 80%
- Rates effective
- Bhadra 2083
Effective from: Bhadra 2083Source: Everest Bank
In Bhadra 2083, consumer EMI loan effective rates across 2 commercial banks in Nepal range from 5.13% to 9.86%. The table below shows each bank's base rate, premium, processing fee and your monthly EMI for the amount you enter, cheapest first.
2 offers from 2 banks · Select up to 4 to compare side by side
| Bank | Effective rate | Monthly EMI | Processing fee | Total cost | Max financing | Effective from | ||
|---|---|---|---|---|---|---|---|---|
 Everest Bank CheapestVerifiedFixed option 8% | 5.13%up to 7.13%4.13% + 1% | Rs. 8,567 | 1.5%Rs. 1,500 | Rs. 4.3 KTotal interest Rs. 2.8 K | 80% | Bhadra 2083 | ||
 Prime Commercial Bank Verified | 9.86%4.86% + 5% | Rs. 8,785 | 1.5%Rs. 1,500 | Rs. 6.9 KTotal interest Rs. 5.4 K | 80% | Bhadra 2083 |
Rates shown are base rate plus the bank's published premium. Fixed-rate options are listed where the bank offers them. · Effective from Bhadra 2083
Every bank offering a consumer & emi loan
2 commercial banks, ordered cheapest first on Bhadra 2083 rates.
Consumer & EMI Loan FAQ
Which bank has the cheapest consumer EMI loan in Nepal?+
On our latest data, Everest Bank has the lowest effective rate at 5.13%. Rates are base rate plus premium and can change monthly.
What is the EMI on a consumer EMI loan?+
At 5.13%, the EMI on a typical amount is roughly Rs. 18,931. Enter your own amount and tenure in the table above to see every bank's EMI.
What do I need to buy a phone on EMI?+
Citizenship, and usually a 3-month bank statement or salary proof. Some brand stores offer 0% EMI.
Is 0% EMI really free?+
The brand pays the interest, but you may pay a processing fee and lose a cash discount. Compare the total cost.