Sasto Loan vs Sasto Karja
Sasto Loan (sastoloan.com) and Sasto Karja (sastokarja.com) are separate companies that both help you compare loans in Nepal. Sasto Loan lists more lenders and has an AI assistant; Sasto Karja shows the month and the bank's own source for every base rate, compares every commercial bank's rate and EMI on one page, and works fully in Nepali. Checked 30 Ashwin 2083.
Last checked: 30 Ashwin 2083
We run Sasto Karja, so read this as our side. We have kept to things you can check yourself on both sites, and we say where Sasto Loan is ahead.
| Sasto Karja | Sasto Loan | |
|---|---|---|
| Run by | Sasto Karja Technologies Pvt. Ltd. | Trust Bridge Capital Pvt. Ltd. |
| Institutions with base rates | All 20 commercial banks | 54 banks, development banks and finance companies |
| Month and source shown with each base rate | Month, and a link to the bank's own publication | |
| Which figure is shown | Month-end rate (two banks publish only an average, and say so) | Not stated |
| Every bank's rate and your EMI on one page | Pick a loan type and banks to pre-qualify | |
| Base-rate history for each bank | ||
| Nepali language | Whole site in Nepali | English only |
| Calculators | 11 | 8 |
| Open rate data (CSV) | ||
| AI loan assistant |
Last checked: 30 Ashwin 2083 · sastoloan.com · sastokarja.com
Where Sasto Loan is ahead
- It lists base rates for development banks and finance companies as well as commercial banks — 54 institutions to our 20.
- It has an AI assistant you can ask loan questions.
Where Sasto Karja is ahead
- Every base rate carries its month and a link to the bank's own publication, so you can see how current it is and check it.
- We show the month-end rate for every bank and label the two that publish only an average, instead of mixing the two without saying.
- One page compares every commercial bank's rate and works out your EMI for your amount and tenure.
- The whole site, including the eligibility check, works in Nepali.
Why the month matters
A floating loan rate in Nepal is the bank's base rate plus a premium, and the base rate changes every month. A rate without its month cannot tell you whether it is this month's or three months old, and banks publish both a month-end figure and a three-month average. Knowing which one you are looking at is the difference between a fair comparison and a misleading one.
Is Sasto Karja the same as Sasto Loan?+
No. Sasto Loan (sastoloan.com) is run by Trust Bridge Capital Pvt. Ltd.; Sasto Karja (sastokarja.com) is a separate company. The names are similar because both mean “cheap loan”.
Which site covers more lenders?+
Sasto Loan lists base rates for 54 institutions including development banks and finance companies. Sasto Karja covers all 20 commercial banks, with the month and the bank's own source for every rate.
Can I use both?+
Yes. Neither site lends money. If you see different figures for the same bank, check the month and source: Sasto Karja links to each bank's own publication so you can confirm the latest rate yourself.