18 banks compared · Shrawan 2083
Education loan interest rates in Nepal
Study in Nepal or abroad with a moratorium while you study.
Also searched as: shaikshik karja · शैक्षिक कर्जा · student loan · abroad study loan
The cheapest education loan in Nepal in Shrawan 2083 is Rastriya Banijya Bank at 4.83% effective, made up of a 3.83% base rate plus a 1% premium. Effective rates across 18 commercial banks range from 4.83% to 9.86%. Each rate is the bank's own published Shrawan 2083 rate; floating rates reset when the base rate changes.
- Lowest effective rate
- 4.83% · Rastriya Banijya Bank
- Effective rate range
- 4.83% – 9.86%
- Banks compared
- 18
- Maximum tenure
- 180 months
- Maximum loan-to-value
- 80%
- Rates effective
- Shrawan 2083
Effective from: Shrawan 2083Source: Rastriya Banijya Bank
In Shrawan 2083, education loan effective rates across 18 commercial banks in Nepal range from 4.83% 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.
18 offers from 18 banks · Select up to 4 to compare side by side
| Bank | Effective rate | Monthly EMI | Processing fee | Total cost | Max financing | Effective from | ||
|---|---|---|---|---|---|---|---|---|
 Rastriya Banijya Bank CheapestVerifiedFixed option 7.5% | 4.83%up to 5.83%3.83% + 1% | Rs. 28,108 | 0.5%Rs. 10,000 | Rs. 3.71 LakhTotal interest Rs. 3.61 Lakh | 80% | Shrawan 2083 | ||
 Himalayan Bank VerifiedFixed option 6.75% | 5.53%up to 9.03%5.03% + 0.5% | Rs. 28,769 | 0.5%Rs. 10,000 | Rs. 4.27 LakhTotal interest Rs. 4.17 Lakh | 80% | Shrawan 2083 | ||
 Laxmi Sunrise Bank VerifiedFixed option 7.49%–10.99% | 5.94%up to 7.94%4.94% + 1% | Rs. 29,160 | 0.5%Rs. 10,000 | Rs. 4.59 LakhTotal interest Rs. 4.49 Lakh | 80% | Shrawan 2083 | ||
 Nepal Investment Mega Bank Verified | 5.94%up to 7.94%4.44% + 1.5% | Rs. 29,160 | 0.5%Rs. 10,000 | Rs. 4.59 LakhTotal interest Rs. 4.49 Lakh | 80% | Bhadra 2083 | ||
 Machhapuchchhre Bank Verified | 5.96%up to 7.96%4.96% + 1% | Rs. 29,179 | 0.5%Rs. 10,000 | Rs. 4.61 LakhTotal interest Rs. 4.51 Lakh | 80% | Bhadra 2083 | ||
 Prabhu Bank Verified | 5.98%up to 7.98%4.98% + 1% | Rs. 29,198 | 0.5%Rs. 10,000 | Rs. 4.63 LakhTotal interest Rs. 4.53 Lakh | 80% | Bhadra 2083 | ||
 Everest Bank VerifiedFixed option 8% | 6.13%up to 8.13%4.13% + 2% | Rs. 29,342 | 0.5%Rs. 10,000 | Rs. 4.75 LakhTotal interest Rs. 4.65 Lakh | 80% | Bhadra 2083 | ||
 Nepal Bank Limited VerifiedFixed option 7.9%–8.5% | 6.37%up to 7.87%4.37% + 2% | Rs. 29,573 | 0.5%Rs. 10,000 | Rs. 4.94 LakhTotal interest Rs. 4.84 Lakh | 80% | Bhadra 2083 | ||
 NIC Asia Bank VerifiedFixed option 6.99% | 6.57%up to 8.57%5.57% + 1% | Rs. 29,767 | 0.5%Rs. 10,000 | Rs. 5.1 LakhTotal interest Rs. 5 Lakh | 80% | Bhadra 2083 | ||
 Global IME Bank VerifiedFixed option 9.99%–11.99% | 6.65%up to 8.65%4.65% + 2% | Rs. 29,844 | 0.5%Rs. 10,000 | Rs. 5.17 LakhTotal interest Rs. 5.07 Lakh | 80% | Bhadra 2083 | ||
 Sanima Bank Verified | 6.69%up to 8.14%4.64% + 2.05% | Rs. 29,883 | 0.5%Rs. 10,000 | Rs. 5.2 LakhTotal interest Rs. 5.1 Lakh | 80% | Bhadra 2083 | ||
Nepal SBI Bank VerifiedFixed option 9.99%–10.99% | 7.1%up to 9.1%5.1% + 2% | Rs. 30,283 | 0.5%Rs. 10,000 | Rs. 5.54 LakhTotal interest Rs. 5.44 Lakh | 80% | Bhadra 2083 | ||
 Kumari Bank Verified | 7.34%up to 8.84%4.84% + 2.5% | Rs. 30,519 | 0.5%Rs. 10,000 | Rs. 5.74 LakhTotal interest Rs. 5.64 Lakh | 80% | Bhadra 2083 | ||
 NMB Bank Verified | 7.45%up to 9.45%4.95% + 2.5% | Rs. 30,627 | 0.5%Rs. 10,000 | Rs. 5.83 LakhTotal interest Rs. 5.73 Lakh | 80% | Bhadra 2083 | ||
 Nabil Bank VerifiedFixed option 9.99% | 7.46%up to 9.46%4.46% + 3% | Rs. 30,637 | 0.5%Rs. 10,000 | Rs. 5.84 LakhTotal interest Rs. 5.74 Lakh | 80% | Bhadra 2083 | ||
 Agricultural Development Bank VerifiedFixed option 10.65% | 7.55%4.55% + 3% | Rs. 30,726 | 0.5%Rs. 10,000 | Rs. 5.91 LakhTotal interest Rs. 5.81 Lakh | 80% | Bhadra 2083 | ||
 Siddhartha Bank VerifiedFixed option 9.25%–9.75% | 8.09%4.84% + 3.25% | Rs. 31,262 | 0.5%Rs. 10,000 | Rs. 6.36 LakhTotal interest Rs. 6.26 Lakh | 80% | Bhadra 2083 | ||
 Prime Commercial Bank Verified | 9.86%4.86% + 5% | Rs. 33,058 | 0.5%Rs. 10,000 | Rs. 7.87 LakhTotal interest Rs. 7.77 Lakh | 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 Shrawan 2083
Every bank offering a education loan
18 commercial banks, ordered cheapest first on Shrawan 2083 rates.
Education Loan FAQ
Which bank has the cheapest education loan in Nepal?+
On our latest data, Rastriya Banijya Bank has the lowest effective rate at 4.83%. Rates are base rate plus premium and can change monthly.
What is the EMI on a education loan?+
At 4.83%, the EMI on a typical amount is roughly Rs. 18,793. Enter your own amount and tenure in the table above to see every bank's EMI.
Do I need collateral for an abroad study loan?+
Usually yes. Most banks require property collateral and lend up to 80% of the assessed value.
Do I pay EMIs while studying?+
Most banks offer a moratorium for the course duration, but interest accrues and is added to the principal.
Check eligibility
Study in Nepal or abroad with a moratorium while you study.
Check eligibilityCalculate