Personal
Compare personal loan rates across every bank
In Bhadra 2083, personal loan effective rates across 20 commercial banks in Nepal range from 10.31% to 12.85%. The table below shows each bank's base rate, premium, processing fee and your monthly EMI for the amount you enter, cheapest first.
Cheapest
10.31% · Nepal Bank Limited
banks
20
Effective from
Bhadra 2083
Rates shown are base rate plus the bank's published premium. Fixed-rate options are listed where the bank offers them.
Other banks
Personal Loan FAQ
Which bank has the cheapest personal loan in Nepal?+
On our latest data, Nepal Bank Limited has the lowest effective rate at 10.31%. Rates are base rate plus premium and can change monthly.
What is the EMI on a personal loan?+
At 10.31%, the EMI on a typical amount is roughly Rs. 21,400. Enter your own amount and tenure in the table above to see every bank's EMI.
Do I need collateral for a personal loan?+
Usually not if you are salaried; a salary account with the bank and an employer letter suffice. Self-employed borrowers may be asked for collateral or a guarantor.
How fast is disbursement?+
Three to seven working days once documents are complete.
Check eligibility
No collateral for salaried borrowers. Money in 3 to 7 days.
Check eligibilityCalculate