11 banks compared · Shrawan 2083
Gold loan interest rates in Nepal
Same-day cash against your gold. Up to 70% of value.
Also searched as: sun karja · सुन कर्जा · gold and silver loan · सुन धितो कर्जा
The cheapest gold loan in Nepal in Shrawan 2083 is Laxmi Sunrise Bank at 6.44% effective, made up of a 4.94% base rate plus a 1.5% premium. Effective rates across 11 commercial banks range from 6.44% 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
- 6.44% · Laxmi Sunrise Bank
- Effective rate range
- 6.44% – 9.86%
- Banks compared
- 11
- Maximum tenure
- 36 months
- Maximum loan-to-value
- 70%
- Rates effective
- Shrawan 2083
Effective from: Shrawan 2083Source: Laxmi Sunrise Bank
In Shrawan 2083, gold loan effective rates across 11 commercial banks in Nepal range from 6.44% 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.
11 offers from 11 banks · Select up to 4 to compare side by side
| Bank | Effective rate | Monthly EMI | Processing fee | Total cost | Max financing | Effective from | ||
|---|---|---|---|---|---|---|---|---|
 Laxmi Sunrise Bank CheapestVerified | 6.44%up to 8.44%4.94% + 1.5% | Rs. 25,881 | 0.5%Rs. 1,500 | Rs. 12.1 KTotal interest Rs. 10.6 K | 70% | Shrawan 2083 | ||
 Nepal Investment Mega Bank Verified | 6.44%up to 8.44%4.44% + 2% | Rs. 25,881 | 0.5%Rs. 1,500 | Rs. 12.1 KTotal interest Rs. 10.6 K | 70% | Bhadra 2083 | ||
 NIC Asia Bank VerifiedFixed option 7.99% | 6.57%up to 8.57%5.57% + 1% | Rs. 25,899 | 0.5%Rs. 1,500 | Rs. 12.3 KTotal interest Rs. 10.8 K | 70% | Bhadra 2083 | ||
 Nepal Bank Limited Verified | 6.87%up to 8.37%4.37% + 2.5% | Rs. 25,940 | 0.5%Rs. 1,500 | Rs. 12.8 KTotal interest Rs. 11.3 K | 70% | Bhadra 2083 | ||
 Machhapuchchhre Bank Verified | 6.96%up to 8.96%4.96% + 2% | Rs. 25,952 | 0.5%Rs. 1,500 | Rs. 12.9 KTotal interest Rs. 11.4 K | 70% | Bhadra 2083 | ||
Nepal SBI Bank Verified | 7.1%up to 9.1%5.1% + 2% | Rs. 25,972 | 0.5%Rs. 1,500 | Rs. 13.2 KTotal interest Rs. 11.7 K | 70% | Bhadra 2083 | ||
 Nabil Bank Verified | 7.46%up to 9.46%4.46% + 3% | Rs. 26,022 | 0.5%Rs. 1,500 | Rs. 13.8 KTotal interest Rs. 12.3 K | 70% | Bhadra 2083 | ||
 Agricultural Development Bank Verified | 7.55%4.55% + 3% | Rs. 26,034 | 0.5%Rs. 1,500 | Rs. 13.9 KTotal interest Rs. 12.4 K | 70% | Bhadra 2083 | ||
 Rastriya Banijya Bank Verified | 7.83%3.83% + 4% | Rs. 26,073 | 0.5%Rs. 1,500 | Rs. 14.4 KTotal interest Rs. 12.9 K | 70% | Shrawan 2083 | ||
 Siddhartha Bank Verified | 8.34%4.84% + 3.5% | Rs. 26,144 | 0.5%Rs. 1,500 | Rs. 15.2 KTotal interest Rs. 13.7 K | 70% | Bhadra 2083 | ||
 Prime Commercial Bank Verified | 9.86%4.86% + 5% | Rs. 26,355 | 0.5%Rs. 1,500 | Rs. 17.8 KTotal interest Rs. 16.3 K | 70% | 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 gold loan
11 commercial banks, ordered cheapest first on Shrawan 2083 rates.
Gold Loan FAQ
Which bank has the cheapest gold loan in Nepal?+
On our latest data, Laxmi Sunrise Bank has the lowest effective rate at 6.44%. Rates are base rate plus premium and can change monthly.
What is the EMI on a gold loan?+
At 6.44%, the EMI on a typical amount is roughly Rs. 19,538. Enter your own amount and tenure in the table above to see every bank's EMI.
What share of the gold value can I borrow?+
Usually up to 70% under NRB limits, at the bank's valuation rate.
What happens if I miss payments?+
After notice, the bank can auction the gold. An interest-only option lowers the monthly burden.