# Sasto Karja — full data extract Source: https://sastokarja.com Latest published month: Ashwin 2083 (Bikram Sambat) Effective months in this extract: Ashwin 2083, Shrawan 2083 Generated: 2026-10-16T12:17:12.857Z Currency: NPR. Rates are % per annum. Nepali floating loan rates = the bank's monthly base rate + a per-product premium. Quote any figure below together with the effective month on its own row; it changes when that bank republishes its base rate. Attribution: Sasto Karja, https://sastokarja.com. Base-rate data under CC BY 4.0. ## Base rates — 20 commercial banks, Ashwin 2083 rank | bank | base_rate | previous | change | effective_month | source 1 | Rastriya Banijya Bank | 3.83% | 4.14% | -0.31 | Ashwin 2083 | https://www.rbb.com.np/content/base-rate-and-spread-rate 2 | Standard Chartered Bank Nepal | 4.12% | 4.42% | -0.3 | Ashwin 2083 | https://av.sc.com/np/content/docs/np-interest-rate.pdf 3 | Everest Bank | 4.13% | 4.17% | -0.04 | Ashwin 2083 | https://everestbankltd.com/supports/interest-and-rates/base-spread-rate/ 4 | Nepal Bank Limited | 4.37% | 4.42% | -0.05 | Ashwin 2083 | https://nepalbank.com.np/base-rate-history 5 | Nepal Investment Mega Bank | 4.44% | 4.67% | -0.23 | Ashwin 2083 | https://www.nimb.com.np/en/personal-banking/base-rate-and-interest-rate-spread-(3-years-data) 6 | Nabil Bank | 4.46% | n/a | n/a | Shrawan 2083 | https://www.nabilbank.com/interest-rate 7 | Agricultural Development Bank | 4.55% | 4.55% | 0 | Ashwin 2083 | https://www.adbl.gov.np/base-rate 8 | Sanima Bank | 4.64% | 4.58% | +0.06 | Ashwin 2083 | https://www.sanimabank.com/know-us/interest-rate 9 | Global IME Bank | 4.65% | 4.6% | +0.05 | Ashwin 2083 | https://www.globalimebank.com/base-rate 10 | Kumari Bank | 4.84% | 4.85% | -0.01 | Ashwin 2083 | https://www.kumaribank.com/base-rate 11 | Siddhartha Bank | 4.84% | n/a | n/a | Shrawan 2083 | https://www.siddharthabank.com/interest-rates 12 | Prime Commercial Bank | 4.86% | 4.86% | 0 | Ashwin 2083 | https://primebank.com.np/pr1me4dm1n/uploads/base_rates/Base_rate_and_interest_rate_spread_Shrawan_2083.pdf 13 | Laxmi Sunrise Bank | 4.94% | 4.82% | +0.12 | Ashwin 2083 | https://www.laxmisunrise.com/rates/interest-rates/ 14 | NMB Bank | 4.95% | 5.05% | -0.1 | Ashwin 2083 | https://nmb.com.np/base-rate 15 | Citizens Bank International | 4.96% | n/a | n/a | Shrawan 2083 | https://www.ctznbank.com/base-rate 16 | Machhapuchchhre Bank | 4.96% | 4.81% | +0.15 | Ashwin 2083 | https://www.machbank.com/base-rate/ 17 | Prabhu Bank | 4.98% | 4.99% | -0.01 | Ashwin 2083 | https://www.prabhubank.com/financials/base-rate--interest-spread 18 | Himalayan Bank | 5.03% | 5.06% | -0.03 | Ashwin 2083 | https://www.himalayanbank.com/en/rates/base-rate 19 | Nepal SBI Bank | 5.1% | 5.05% | +0.05 | Ashwin 2083 | https://nsbl.statebank/base-rates 20 | NIC Asia Bank | 5.57% | 5.68% | -0.11 | Ashwin 2083 | https://www.nicasiabank.com/base-rate lowest: Rastriya Banijya Bank 3.83% highest: NIC Asia Bank 5.57% average: 4.71% ## HOME loans — 19 banks, effective Bhadra 2083 Page: https://sastokarja.com/en/loans/home-loan rank | bank | product | base_rate | premium | effective_rate | processing_fee | max_ltv | tenure_months | amount_npr | page | source 1 | Nabil Bank | Nabil Home Loan | 4.46% | 0.5%-2.5% | 4.96%-6.96% | 0.75% (min 5000) | 70% | 60-300 | 1000000-50000000 | https://sastokarja.com/en/banks/nabil-bank/home-loan | https://www.nabilbank.com/individual/interest-rate 2 | Everest Bank | EBL Home Loan | 4.13% | 1%-3% | 5.13%-7.13% | 0.75% (min 5000) | 70% | 60-300 | 1000000-50000000 | https://sastokarja.com/en/banks/everest-bank/home-loan | https://everestbankltd.com/supports/interest-and-rates/interest-rates-loans-and-advances/ 3 | Laxmi Sunrise Bank | LSBL Home Loan | 4.94% | 0.5%-2.5% | 5.44%-7.44% | 0.75% (min 5000) | 70% | 60-300 | 1000000-50000000 | https://sastokarja.com/en/banks/laxmi-sunrise-bank/home-loan | https://www.laxmisunrise.com/rates/interest-rates/ 4 | NMB Bank | NMB Home Loan | 4.95% | 0.5%-2.5% | 5.45%-7.45% | 0.75% (min 5000) | 70% | 60-300 | 1000000-50000000 | https://sastokarja.com/en/banks/nmb-bank/home-loan | https://www.nmb.com.np/en/interest-rate 5 | Machhapuchchhre Bank | MBL Home Loan | 4.96% | 0.5%-3% | 5.46%-7.96% | 0.75% (min 5000) | 70% | 60-300 | 1000000-50000000 | https://sastokarja.com/en/banks/machhapuchchhre-bank/home-loan | https://www.machbank.com/loan-interest-rate/ 6 | Himalayan Bank | HBL Home Loan | 5.03% | 0.5%-4% | 5.53%-9.03% | 0.75% (min 5000) | 70% | 60-300 | 1000000-50000000 | https://sastokarja.com/en/banks/himalayan-bank/home-loan | https://himalayanbank.com/en/rates/loan-products-rates 7 | NIC Asia Bank | NIC Asia Home Loan | 5.57% | 0%-2% | 5.57%-7.57% | 0.75% (min 5000) | 70% | 60-300 | 1000000-50000000 | https://sastokarja.com/en/banks/nic-asia-bank/home-loan | https://www.nicasiabank.com/interest-rates/ 8 | Nepal SBI Bank | NSBL Home Loan | 5.1% | 0.5%-2.5% | 5.6%-7.6% | 0.75% (min 5000) | 70% | 60-300 | 1000000-50000000 | https://sastokarja.com/en/banks/nepal-sbi-bank/home-loan | https://nsbl.statebank/interest-rates-loans 9 | Global IME Bank | GIBL Home Loan | 4.65% | 1%-3% | 5.65%-7.65% | 0.75% (min 5000) | 70% | 60-300 | 1000000-50000000 | https://sastokarja.com/en/banks/global-ime-bank/home-loan | https://www.globalimebank.com/interest-rates/ 10 | Prabhu Bank | Prabhu Home Loan | 4.98% | 0.75%-4% | 5.73%-8.98% | 0.75% (min 5000) | 70% | 60-300 | 1000000-50000000 | https://sastokarja.com/en/banks/prabhu-bank/home-loan | https://www.prabhubank.com/interest-rates 11 | Rastriya Banijya Bank | RBB Home Loan | 3.83% | 2%-2.5% | 5.83%-6.33% | 0.75% (min 5000) | 70% | 60-300 | 1000000-50000000 | https://sastokarja.com/en/banks/rastriya-banijya-bank/home-loan | https://www.rbb.com.np/content/history-rate-of-interest 12 | Kumari Bank | KBL Home Loan | 4.84% | 1%-3% | 5.84%-7.84% | 0.75% (min 5000) | 70% | 60-300 | 1000000-50000000 | https://sastokarja.com/en/banks/kumari-bank/home-loan | https://www.kumaribank.com/interest-rate-loans 13 | Standard Chartered Bank Nepal | SCB Home Loan | 4.12% | 2%-3.5% | 6.12%-7.62% | 0.75% (min 5000) | 70% | 60-300 | 1000000-50000000 | https://sastokarja.com/en/banks/standard-chartered-nepal/home-loan | https://av.sc.com/np/content/docs/np-interest-rate.pdf 14 | Sanima Bank | Sanima Home Loan | 4.64% | 1.5%-3.5% | 6.14%-8.14% | 0.75% (min 5000) | 70% | 60-300 | 1000000-50000000 | https://sastokarja.com/en/banks/sanima-bank/home-loan | https://www.sanimabank.com/interest-rate 15 | Nepal Investment Mega Bank | NIMB Home Loan | 4.44% | 2%-4% | 6.44%-8.44% | 0.75% (min 5000) | 70% | 60-300 | 1000000-50000000 | https://sastokarja.com/en/banks/nepal-investment-mega-bank/home-loan | https://www.nimb.com.np/personal-banking/interest-rate 16 | Nepal Bank Limited | NBL Home Loan | 4.37% | 2.42% | 6.79% | 0.75% (min 5000) | 70% | 60-300 | 1000000-50000000 | https://sastokarja.com/en/banks/nepal-bank/home-loan | https://www.nepalbank.com.np/interest-rate/interest-rate-on-loans-advances-floating-rate 17 | Agricultural Development Bank | ADBL Home Loan | 4.55% | 3% | 7.55% | 0.75% (min 5000) | 70% | 60-300 | 1000000-50000000 | https://sastokarja.com/en/banks/agricultural-development-bank/home-loan | https://adbl.gov.np/en/interest-rate/interest-rates-effective-from-bhadra-01-2083-17-august-2026 18 | Siddhartha Bank | SBL Home Loan | 4.84% | 3% | 7.84% | 0.75% (min 5000) | 70% | 60-300 | 1000000-50000000 | https://sastokarja.com/en/banks/siddhartha-bank/home-loan | https://www.siddharthabank.com/interest-rates 19 | Prime Commercial Bank | PCBL Home Loan | 4.86% | 5% | 9.86% | 0.75% (min 5000) | 70% | 60-300 | 1000000-50000000 | https://sastokarja.com/en/banks/prime-commercial-bank/home-loan | https://primebank.com.np/pr1me4dm1n/uploads/interest/INT_Rate_Bhadra.jpg ## AUTO loans — 18 banks, effective Bhadra 2083 Page: https://sastokarja.com/en/loans/auto-loan rank | bank | product | base_rate | premium | effective_rate | processing_fee | max_ltv | tenure_months | amount_npr | page | source 1 | Nepal Bank Limited | NBL Auto Loan | 4.37% | 0.5%-2.5% | 4.87%-6.87% | 1% (min 2000) | 50% | 12-84 | 200000-15000000 | https://sastokarja.com/en/banks/nepal-bank/auto-loan | https://www.nepalbank.com.np/interest-rate/interest-rate-on-loans-advances-floating-rate 2 | Nepal Investment Mega Bank | NIMB Auto Loan | 4.44% | 0.5%-2.5% | 4.94%-6.94% | 1% (min 2000) | 50% | 12-84 | 200000-15000000 | https://sastokarja.com/en/banks/nepal-investment-mega-bank/auto-loan | https://www.nimb.com.np/personal-banking/interest-rate 3 | Everest Bank | EBL Auto Loan | 4.13% | 1%-3% | 5.13%-7.13% | 1% (min 2000) | 50% | 12-84 | 200000-15000000 | https://sastokarja.com/en/banks/everest-bank/auto-loan | https://everestbankltd.com/supports/interest-and-rates/interest-rates-loans-and-advances/ 4 | Rastriya Banijya Bank | RBB Auto Loan | 3.83% | 1.35%-3% | 5.18%-6.83% | 1% (min 2000) | 50% | 12-84 | 200000-15000000 | https://sastokarja.com/en/banks/rastriya-banijya-bank/auto-loan | https://www.rbb.com.np/content/history-rate-of-interest 5 | Nabil Bank | Nabil Auto Loan | 4.46% | 0.75%-2.75% | 5.21%-7.21% | 1% (min 2000) | 50% | 12-84 | 200000-15000000 | https://sastokarja.com/en/banks/nabil-bank/auto-loan | https://www.nabilbank.com/individual/interest-rate 6 | Nepal SBI Bank | NSBL Auto Loan | 5.1% | 0.25%-2.5% | 5.35%-7.6% | 1% (min 2000) | 50% | 12-84 | 200000-15000000 | https://sastokarja.com/en/banks/nepal-sbi-bank/auto-loan | https://nsbl.statebank/interest-rates-loans 7 | Laxmi Sunrise Bank | LSBL Auto Loan | 4.94% | 0.5%-2.75% | 5.44%-7.69% | 1% (min 2000) | 50% | 12-84 | 200000-15000000 | https://sastokarja.com/en/banks/laxmi-sunrise-bank/auto-loan | https://www.laxmisunrise.com/rates/interest-rates/ 8 | NMB Bank | NMB Auto Loan | 4.95% | 0.5%-3% | 5.45%-7.95% | 1% (min 2000) | 50% | 12-84 | 200000-15000000 | https://sastokarja.com/en/banks/nmb-bank/auto-loan | https://www.nmb.com.np/en/interest-rate 9 | Machhapuchchhre Bank | MBL Auto Loan | 4.96% | 0.5%-3% | 5.46%-7.96% | 1% (min 2000) | 50% | 12-84 | 200000-15000000 | https://sastokarja.com/en/banks/machhapuchchhre-bank/auto-loan | https://www.machbank.com/loan-interest-rate/ 10 | Prabhu Bank | Prabhu Auto Loan | 4.98% | 0.5%-3% | 5.48%-7.98% | 1% (min 2000) | 50% | 12-84 | 200000-15000000 | https://sastokarja.com/en/banks/prabhu-bank/auto-loan | https://www.prabhubank.com/interest-rates 11 | Himalayan Bank | HBL Auto Loan | 5.03% | 0.5%-4% | 5.53%-9.03% | 1% (min 2000) | 50% | 12-84 | 200000-15000000 | https://sastokarja.com/en/banks/himalayan-bank/auto-loan | https://himalayanbank.com/en/rates/loan-products-rates 12 | Global IME Bank | GIBL Auto Loan | 4.65% | 1%-3% | 5.65%-7.65% | 1% (min 2000) | 50% | 12-84 | 200000-15000000 | https://sastokarja.com/en/banks/global-ime-bank/auto-loan | https://www.globalimebank.com/interest-rates/ 13 | NIC Asia Bank | NIC Asia Auto Loan | 5.57% | 0.25%-3% | 5.82%-8.57% | 1% (min 2000) | 50% | 12-84 | 200000-15000000 | https://sastokarja.com/en/banks/nic-asia-bank/auto-loan | https://www.nicasiabank.com/interest-rates/ 14 | Kumari Bank | KBL Auto Loan | 4.84% | 1%-3% | 5.84%-7.84% | 1% (min 2000) | 50% | 12-84 | 200000-15000000 | https://sastokarja.com/en/banks/kumari-bank/auto-loan | https://www.kumaribank.com/interest-rate-loans 15 | Sanima Bank | Sanima Auto Loan | 4.64% | 1.55%-3.5% | 6.19%-8.14% | 1% (min 2000) | 50% | 12-84 | 200000-15000000 | https://sastokarja.com/en/banks/sanima-bank/auto-loan | https://www.sanimabank.com/interest-rate 16 | Agricultural Development Bank | ADBL Auto Loan | 4.55% | 3% | 7.55% | 1% (min 2000) | 50% | 12-84 | 200000-15000000 | https://sastokarja.com/en/banks/agricultural-development-bank/auto-loan | https://adbl.gov.np/en/interest-rate/interest-rates-effective-from-bhadra-01-2083-17-august-2026 17 | Siddhartha Bank | SBL Auto Loan | 4.84% | 3% | 7.84% | 1% (min 2000) | 50% | 12-84 | 200000-15000000 | https://sastokarja.com/en/banks/siddhartha-bank/auto-loan | https://www.siddharthabank.com/interest-rates 18 | Prime Commercial Bank | PCBL Auto Loan | 4.86% | 5% | 9.86% | 1% (min 2000) | 50% | 12-84 | 200000-15000000 | https://sastokarja.com/en/banks/prime-commercial-bank/auto-loan | https://primebank.com.np/pr1me4dm1n/uploads/interest/INT_Rate_Bhadra.jpg ## PERSONAL loans — 13 banks, effective Shrawan 2083 Page: https://sastokarja.com/en/loans/personal-loan rank | bank | product | base_rate | premium | effective_rate | processing_fee | max_ltv | tenure_months | amount_npr | page | source 1 | Laxmi Sunrise Bank | LSBL Personal Loan | 4.94% | 1%-3% | 5.94%-7.94% | 1% (min 1000) | n/a | 12-60 | 100000-5000000 | https://sastokarja.com/en/banks/laxmi-sunrise-bank/personal-loan | https://www.laxmisunrise.com/rates/interest-rates/ 2 | Nepal SBI Bank | NSBL Personal Loan | 5.1% | 1%-3% | 6.1%-8.1% | 1% (min 1000) | n/a | 12-60 | 100000-5000000 | https://sastokarja.com/en/banks/nepal-sbi-bank/personal-loan | https://nsbl.statebank/interest-rates-loans 3 | Kumari Bank | KBL Personal Loan | 4.84% | 1.5%-3.5% | 6.34%-8.34% | 1% (min 1000) | n/a | 12-60 | 100000-5000000 | https://sastokarja.com/en/banks/kumari-bank/personal-loan | https://www.kumaribank.com/interest-rate-loans 4 | Rastriya Banijya Bank | RBB Personal Loan | 3.83% | 2.75%-3% | 6.58%-6.83% | 1% (min 1000) | n/a | 12-60 | 100000-5000000 | https://sastokarja.com/en/banks/rastriya-banijya-bank/personal-loan | https://www.rbb.com.np/content/history-rate-of-interest 5 | Sanima Bank | Sanima Personal Loan | 4.64% | 2.05%-3.5% | 6.69%-8.14% | 1% (min 1000) | n/a | 12-60 | 100000-5000000 | https://sastokarja.com/en/banks/sanima-bank/personal-loan | https://www.sanimabank.com/interest-rate 6 | Nepal Bank Limited | NBL Personal Loan | 4.37% | 2.5%-4% | 6.87%-8.37% | 1% (min 1000) | n/a | 12-60 | 100000-5000000 | https://sastokarja.com/en/banks/nepal-bank/personal-loan | https://www.nepalbank.com.np/interest-rate/interest-rate-on-loans-advances-floating-rate 7 | NMB Bank | NMB Personal Loan | 4.95% | 2%-4% | 6.95%-8.95% | 1% (min 1000) | n/a | 12-60 | 100000-5000000 | https://sastokarja.com/en/banks/nmb-bank/personal-loan | https://www.nmb.com.np/en/interest-rate 8 | Prabhu Bank | Prabhu Personal Loan | 4.98% | 2%-4% | 6.98%-8.98% | 1% (min 1000) | n/a | 12-60 | 100000-5000000 | https://sastokarja.com/en/banks/prabhu-bank/personal-loan | https://www.prabhubank.com/interest-rates 9 | Agricultural Development Bank | ADBL Personal Loan | 4.55% | 3% | 7.55% | 1% (min 1000) | n/a | 12-60 | 100000-5000000 | https://sastokarja.com/en/banks/agricultural-development-bank/personal-loan | https://adbl.gov.np/en/interest-rate/interest-rates-effective-from-bhadra-01-2083-17-august-2026 10 | Nabil Bank | Nabil Personal Loan | 4.46% | 3.5%-4% | 7.96%-8.46% | 1% (min 1000) | n/a | 12-60 | 100000-5000000 | https://sastokarja.com/en/banks/nabil-bank/personal-loan | https://www.nabilbank.com/individual/interest-rate 11 | Standard Chartered Bank Nepal | SCB Personal Loan | 4.12% | 4%-4.5% | 8.12%-8.62% | 1% (min 1000) | n/a | 12-60 | 100000-5000000 | https://sastokarja.com/en/banks/standard-chartered-nepal/personal-loan | https://av.sc.com/np/content/docs/np-interest-rate.pdf 12 | Machhapuchchhre Bank | MBL Personal Loan | 4.96% | 4% | 8.96% | 1% (min 1000) | n/a | 12-60 | 100000-5000000 | https://sastokarja.com/en/banks/machhapuchchhre-bank/personal-loan | https://www.machbank.com/loan-interest-rate/ 13 | Prime Commercial Bank | PCBL Personal Loan | 4.86% | 5% | 9.86% | 1% (min 1000) | n/a | 12-60 | 100000-5000000 | https://sastokarja.com/en/banks/prime-commercial-bank/personal-loan | https://primebank.com.np/pr1me4dm1n/uploads/interest/INT_Rate_Bhadra.jpg ## EDUCATION loans — 18 banks, effective Shrawan 2083 Page: https://sastokarja.com/en/loans/education-loan rank | bank | product | base_rate | premium | effective_rate | processing_fee | max_ltv | tenure_months | amount_npr | page | source 1 | Rastriya Banijya Bank | RBB Education Loan | 3.83% | 1%-2% | 4.83%-5.83% | 0.5% (min 1000) | 80% | 12-180 | 200000-10000000 | https://sastokarja.com/en/banks/rastriya-banijya-bank/education-loan | https://www.rbb.com.np/content/history-rate-of-interest 2 | Himalayan Bank | HBL Education Loan | 5.03% | 0.5%-4% | 5.53%-9.03% | 0.5% (min 1000) | 80% | 12-180 | 200000-10000000 | https://sastokarja.com/en/banks/himalayan-bank/education-loan | https://himalayanbank.com/en/rates/loan-products-rates 3 | Laxmi Sunrise Bank | LSBL Education Loan | 4.94% | 1%-3% | 5.94%-7.94% | 0.5% (min 1000) | 80% | 12-180 | 200000-10000000 | https://sastokarja.com/en/banks/laxmi-sunrise-bank/education-loan | https://www.laxmisunrise.com/rates/interest-rates/ 4 | Nepal Investment Mega Bank | NIMB Education Loan | 4.44% | 1.5%-3.5% | 5.94%-7.94% | 0.5% (min 1000) | 80% | 12-180 | 200000-10000000 | https://sastokarja.com/en/banks/nepal-investment-mega-bank/education-loan | https://www.nimb.com.np/personal-banking/interest-rate 5 | Machhapuchchhre Bank | MBL Education Loan | 4.96% | 1%-3% | 5.96%-7.96% | 0.5% (min 1000) | 80% | 12-180 | 200000-10000000 | https://sastokarja.com/en/banks/machhapuchchhre-bank/education-loan | https://www.machbank.com/loan-interest-rate/ 6 | Prabhu Bank | Prabhu Education Loan | 4.98% | 1%-3% | 5.98%-7.98% | 0.5% (min 1000) | 80% | 12-180 | 200000-10000000 | https://sastokarja.com/en/banks/prabhu-bank/education-loan | https://www.prabhubank.com/interest-rates 7 | Everest Bank | EBL Education Loan | 4.13% | 2%-4% | 6.13%-8.13% | 0.5% (min 1000) | 80% | 12-180 | 200000-10000000 | https://sastokarja.com/en/banks/everest-bank/education-loan | https://everestbankltd.com/supports/interest-and-rates/interest-rates-loans-and-advances/ 8 | Nepal Bank Limited | NBL Education Loan | 4.37% | 2%-3.5% | 6.37%-7.87% | 0.5% (min 1000) | 80% | 12-180 | 200000-10000000 | https://sastokarja.com/en/banks/nepal-bank/education-loan | https://www.nepalbank.com.np/interest-rate/interest-rate-on-loans-advances-floating-rate 9 | NIC Asia Bank | NIC Asia Education Loan | 5.57% | 1%-3% | 6.57%-8.57% | 0.5% (min 1000) | 80% | 12-180 | 200000-10000000 | https://sastokarja.com/en/banks/nic-asia-bank/education-loan | https://www.nicasiabank.com/interest-rates/ 10 | Global IME Bank | GIBL Education Loan | 4.65% | 2%-4% | 6.65%-8.65% | 0.5% (min 1000) | 80% | 12-180 | 200000-10000000 | https://sastokarja.com/en/banks/global-ime-bank/education-loan | https://www.globalimebank.com/interest-rates/ 11 | Sanima Bank | Sanima Education Loan | 4.64% | 2.05%-3.5% | 6.69%-8.14% | 0.5% (min 1000) | 80% | 12-180 | 200000-10000000 | https://sastokarja.com/en/banks/sanima-bank/education-loan | https://www.sanimabank.com/interest-rate 12 | Nepal SBI Bank | NSBL Education Loan | 5.1% | 2%-4% | 7.1%-9.1% | 0.5% (min 1000) | 80% | 12-180 | 200000-10000000 | https://sastokarja.com/en/banks/nepal-sbi-bank/education-loan | https://nsbl.statebank/interest-rates-loans 13 | Kumari Bank | KBL Education Loan | 4.84% | 2.5%-4% | 7.34%-8.84% | 0.5% (min 1000) | 80% | 12-180 | 200000-10000000 | https://sastokarja.com/en/banks/kumari-bank/education-loan | https://www.kumaribank.com/interest-rate-loans 14 | NMB Bank | NMB Education Loan | 4.95% | 2.5%-4.5% | 7.45%-9.45% | 0.5% (min 1000) | 80% | 12-180 | 200000-10000000 | https://sastokarja.com/en/banks/nmb-bank/education-loan | https://www.nmb.com.np/en/interest-rate 15 | Nabil Bank | Nabil Education Loan | 4.46% | 3%-5% | 7.46%-9.46% | 0.5% (min 1000) | 80% | 12-180 | 200000-10000000 | https://sastokarja.com/en/banks/nabil-bank/education-loan | https://www.nabilbank.com/individual/interest-rate 16 | Agricultural Development Bank | ADBL Education Loan | 4.55% | 3% | 7.55% | 0.5% (min 1000) | 80% | 12-180 | 200000-10000000 | https://sastokarja.com/en/banks/agricultural-development-bank/education-loan | https://adbl.gov.np/en/interest-rate/interest-rates-effective-from-bhadra-01-2083-17-august-2026 17 | Siddhartha Bank | SBL Education Loan | 4.84% | 3.25% | 8.09% | 0.5% (min 1000) | 80% | 12-180 | 200000-10000000 | https://sastokarja.com/en/banks/siddhartha-bank/education-loan | https://www.siddharthabank.com/interest-rates 18 | Prime Commercial Bank | PCBL Education Loan | 4.86% | 5% | 9.86% | 0.5% (min 1000) | 80% | 12-180 | 200000-10000000 | https://sastokarja.com/en/banks/prime-commercial-bank/education-loan | https://primebank.com.np/pr1me4dm1n/uploads/interest/INT_Rate_Bhadra.jpg ## GOLD loans — 11 banks, effective Shrawan 2083 Page: https://sastokarja.com/en/loans/gold-loan rank | bank | product | base_rate | premium | effective_rate | processing_fee | max_ltv | tenure_months | amount_npr | page | source 1 | Laxmi Sunrise Bank | LSBL Gold Loan | 4.94% | 1.5%-3.5% | 6.44%-8.44% | 0.5% (min 500) | 70% | 3-36 | 25000-2500000 | https://sastokarja.com/en/banks/laxmi-sunrise-bank/gold-loan | https://www.laxmisunrise.com/rates/interest-rates/ 2 | Nepal Investment Mega Bank | NIMB Gold Loan | 4.44% | 2%-4% | 6.44%-8.44% | 0.5% (min 500) | 70% | 3-36 | 25000-2500000 | https://sastokarja.com/en/banks/nepal-investment-mega-bank/gold-loan | https://www.nimb.com.np/personal-banking/interest-rate 3 | NIC Asia Bank | NIC Asia Gold Loan | 5.57% | 1%-3% | 6.57%-8.57% | 0.5% (min 500) | 70% | 3-36 | 25000-2500000 | https://sastokarja.com/en/banks/nic-asia-bank/gold-loan | https://www.nicasiabank.com/interest-rates/ 4 | Nepal Bank Limited | NBL Gold Loan | 4.37% | 2.5%-4% | 6.87%-8.37% | 0.5% (min 500) | 70% | 3-36 | 25000-2500000 | https://sastokarja.com/en/banks/nepal-bank/gold-loan | https://www.nepalbank.com.np/interest-rate/interest-rate-on-loans-advances-floating-rate 5 | Machhapuchchhre Bank | MBL Gold Loan | 4.96% | 2%-4% | 6.96%-8.96% | 0.5% (min 500) | 70% | 3-36 | 25000-2500000 | https://sastokarja.com/en/banks/machhapuchchhre-bank/gold-loan | https://www.machbank.com/loan-interest-rate/ 6 | Nepal SBI Bank | NSBL Gold Loan | 5.1% | 2%-4% | 7.1%-9.1% | 0.5% (min 500) | 70% | 3-36 | 25000-2500000 | https://sastokarja.com/en/banks/nepal-sbi-bank/gold-loan | https://nsbl.statebank/interest-rates-loans 7 | Nabil Bank | Nabil Gold Loan | 4.46% | 3%-5% | 7.46%-9.46% | 0.5% (min 500) | 70% | 3-36 | 25000-2500000 | https://sastokarja.com/en/banks/nabil-bank/gold-loan | https://www.nabilbank.com/individual/interest-rate 8 | Agricultural Development Bank | ADBL Gold Loan | 4.55% | 3% | 7.55% | 0.5% (min 500) | 70% | 3-36 | 25000-2500000 | https://sastokarja.com/en/banks/agricultural-development-bank/gold-loan | https://adbl.gov.np/en/interest-rate/interest-rates-effective-from-bhadra-01-2083-17-august-2026 9 | Rastriya Banijya Bank | RBB Gold Loan | 3.83% | 4% | 7.83% | 0.5% (min 500) | 70% | 3-36 | 25000-2500000 | https://sastokarja.com/en/banks/rastriya-banijya-bank/gold-loan | https://www.rbb.com.np/content/history-rate-of-interest 10 | Siddhartha Bank | SBL Gold Loan | 4.84% | 3.5% | 8.34% | 0.5% (min 500) | 70% | 3-36 | 25000-2500000 | https://sastokarja.com/en/banks/siddhartha-bank/gold-loan | https://www.siddharthabank.com/interest-rates 11 | Prime Commercial Bank | PCBL Gold Loan | 4.86% | 5% | 9.86% | 0.5% (min 500) | 70% | 3-36 | 25000-2500000 | https://sastokarja.com/en/banks/prime-commercial-bank/gold-loan | https://primebank.com.np/pr1me4dm1n/uploads/interest/INT_Rate_Bhadra.jpg ## BUSINESS loans — 19 banks, effective Shrawan 2083 Page: https://sastokarja.com/en/loans/business-loan rank | bank | product | base_rate | premium | effective_rate | processing_fee | max_ltv | tenure_months | amount_npr | page | source 1 | Rastriya Banijya Bank | RBB Business Loan | 3.83% | 1.1%-1.45% | 4.93%-5.28% | 1% (min 5000) | 60% | 12-120 | 500000-100000000 | https://sastokarja.com/en/banks/rastriya-banijya-bank/business-loan | https://www.rbb.com.np/content/history-rate-of-interest 2 | Everest Bank | EBL Business Loan | 4.13% | 1%-3% | 5.13%-7.13% | 1% (min 5000) | 60% | 12-120 | 500000-100000000 | https://sastokarja.com/en/banks/everest-bank/business-loan | https://everestbankltd.com/supports/interest-and-rates/interest-rates-loans-and-advances/ 3 | Nepal Bank Limited | NBL Business Loan | 4.37% | 1%-3% | 5.37%-7.37% | 1% (min 5000) | 60% | 12-120 | 500000-100000000 | https://sastokarja.com/en/banks/nepal-bank/business-loan | https://www.nepalbank.com.np/interest-rate/interest-rate-on-loans-advances-floating-rate 4 | Nabil Bank | Nabil Business Loan | 4.46% | 1%-3% | 5.46%-7.46% | 1% (min 5000) | 60% | 12-120 | 500000-100000000 | https://sastokarja.com/en/banks/nabil-bank/business-loan | https://www.nabilbank.com/individual/interest-rate 5 | Himalayan Bank | HBL Business Loan | 5.03% | 0.5%-4% | 5.53%-9.03% | 1% (min 5000) | 60% | 12-120 | 500000-100000000 | https://sastokarja.com/en/banks/himalayan-bank/business-loan | https://himalayanbank.com/en/rates/loan-products-rates 6 | NIC Asia Bank | NIC Asia Business Loan | 5.57% | 0%-2% | 5.57%-7.57% | 1% (min 5000) | 60% | 12-120 | 500000-100000000 | https://sastokarja.com/en/banks/nic-asia-bank/business-loan | https://www.nicasiabank.com/interest-rates/ 7 | Nepal Investment Mega Bank | NIMB Business Loan | 4.44% | 1.25%-4% | 5.69%-8.44% | 1% (min 5000) | 60% | 12-120 | 500000-100000000 | https://sastokarja.com/en/banks/nepal-investment-mega-bank/business-loan | https://www.nimb.com.np/personal-banking/interest-rate 8 | Kumari Bank | KBL Business Loan | 4.84% | 1%-3.5% | 5.84%-8.34% | 1% (min 5000) | 60% | 12-120 | 500000-100000000 | https://sastokarja.com/en/banks/kumari-bank/business-loan | https://www.kumaribank.com/interest-rate-loans 9 | Laxmi Sunrise Bank | LSBL Business Loan | 4.94% | 1%-3% | 5.94%-7.94% | 1% (min 5000) | 60% | 12-120 | 500000-100000000 | https://sastokarja.com/en/banks/laxmi-sunrise-bank/business-loan | https://www.laxmisunrise.com/rates/interest-rates/ 10 | NMB Bank | NMB Business Loan | 4.95% | 1%-3% | 5.95%-7.95% | 1% (min 5000) | 60% | 12-120 | 500000-100000000 | https://sastokarja.com/en/banks/nmb-bank/business-loan | https://www.nmb.com.np/en/interest-rate 11 | Machhapuchchhre Bank | MBL Business Loan | 4.96% | 1%-3% | 5.96%-7.96% | 1% (min 5000) | 60% | 12-120 | 500000-100000000 | https://sastokarja.com/en/banks/machhapuchchhre-bank/business-loan | https://www.machbank.com/loan-interest-rate/ 12 | Sanima Bank | Sanima Business Loan | 4.64% | 1.35%-3.35% | 5.99%-7.99% | 1% (min 5000) | 60% | 12-120 | 500000-100000000 | https://sastokarja.com/en/banks/sanima-bank/business-loan | https://www.sanimabank.com/interest-rate 13 | Standard Chartered Bank Nepal | SCB Business Loan | 4.12% | 2%-3.5% | 6.12%-7.62% | 1% (min 5000) | 60% | 12-120 | 500000-100000000 | https://sastokarja.com/en/banks/standard-chartered-nepal/business-loan | https://av.sc.com/np/content/docs/np-interest-rate.pdf 14 | Global IME Bank | GIBL Business Loan | 4.65% | 1.5%-3.5% | 6.15%-8.15% | 1% (min 5000) | 60% | 12-120 | 500000-100000000 | https://sastokarja.com/en/banks/global-ime-bank/business-loan | https://www.globalimebank.com/interest-rates/ 15 | Prabhu Bank | Prabhu Business Loan | 4.98% | 2%-4% | 6.98%-8.98% | 1% (min 5000) | 60% | 12-120 | 500000-100000000 | https://sastokarja.com/en/banks/prabhu-bank/business-loan | https://www.prabhubank.com/interest-rates 16 | Agricultural Development Bank | ADBL Business Loan | 4.55% | 3% | 7.55% | 1% (min 5000) | 60% | 12-120 | 500000-100000000 | https://sastokarja.com/en/banks/agricultural-development-bank/business-loan | https://adbl.gov.np/en/interest-rate/interest-rates-effective-from-bhadra-01-2083-17-august-2026 17 | Siddhartha Bank | SBL Business Loan | 4.84% | 3% | 7.84% | 1% (min 5000) | 60% | 12-120 | 500000-100000000 | https://sastokarja.com/en/banks/siddhartha-bank/business-loan | https://www.siddharthabank.com/interest-rates 18 | Nepal SBI Bank | NSBL Business Loan | 5.1% | 4% | 9.1% | 1% (min 5000) | 60% | 12-120 | 500000-100000000 | https://sastokarja.com/en/banks/nepal-sbi-bank/business-loan | https://nsbl.statebank/interest-rates-loans 19 | Prime Commercial Bank | PCBL Business Loan | 4.86% | 5% | 9.86% | 1% (min 5000) | 60% | 12-120 | 500000-100000000 | https://sastokarja.com/en/banks/prime-commercial-bank/business-loan | https://primebank.com.np/pr1me4dm1n/uploads/interest/INT_Rate_Bhadra.jpg ## CONSUMER loans — 2 banks, effective Bhadra 2083 Page: https://sastokarja.com/en/loans/consumer-loan rank | bank | product | base_rate | premium | effective_rate | processing_fee | max_ltv | tenure_months | amount_npr | page | source 1 | Everest Bank | EBL Consumer & EMI Loan | 4.13% | 1%-3% | 5.13%-7.13% | 1.5% (min 500) | 80% | 6-36 | 20000-1000000 | https://sastokarja.com/en/banks/everest-bank/consumer-loan | https://everestbankltd.com/supports/interest-and-rates/interest-rates-loans-and-advances/ 2 | Prime Commercial Bank | PCBL Consumer & EMI Loan | 4.86% | 5% | 9.86% | 1.5% (min 500) | 80% | 6-36 | 20000-1000000 | https://sastokarja.com/en/banks/prime-commercial-bank/consumer-loan | https://primebank.com.np/pr1me4dm1n/uploads/interest/INT_Rate_Bhadra.jpg ## PROFESSIONAL loans — 11 banks, effective Bhadra 2083 Page: https://sastokarja.com/en/loans/professional-loan rank | bank | product | base_rate | premium | effective_rate | processing_fee | max_ltv | tenure_months | amount_npr | page | source 1 | Everest Bank | EBL Professional Loan | 4.13% | 1%-3% | 5.13%-7.13% | 0.75% (min 2000) | n/a | 12-120 | 300000-10000000 | https://sastokarja.com/en/banks/everest-bank/professional-loan | https://everestbankltd.com/supports/interest-and-rates/interest-rates-loans-and-advances/ 2 | NIC Asia Bank | NIC Asia Professional Loan | 5.57% | 0%-3% | 5.57%-8.57% | 0.75% (min 2000) | n/a | 12-120 | 300000-10000000 | https://sastokarja.com/en/banks/nic-asia-bank/professional-loan | https://www.nicasiabank.com/interest-rates/ 3 | Rastriya Banijya Bank | RBB Professional Loan | 3.83% | 1.75%-2.75% | 5.58%-6.58% | 0.75% (min 2000) | n/a | 12-120 | 300000-10000000 | https://sastokarja.com/en/banks/rastriya-banijya-bank/professional-loan | https://www.rbb.com.np/content/history-rate-of-interest 4 | Machhapuchchhre Bank | MBL Professional Loan | 4.96% | 1%-4% | 5.96%-8.96% | 0.75% (min 2000) | n/a | 12-120 | 300000-10000000 | https://sastokarja.com/en/banks/machhapuchchhre-bank/professional-loan | https://www.machbank.com/loan-interest-rate/ 5 | Nepal Bank Limited | NBL Professional Loan | 4.37% | 2%-3.5% | 6.37%-7.87% | 0.75% (min 2000) | n/a | 12-120 | 300000-10000000 | https://sastokarja.com/en/banks/nepal-bank/professional-loan | https://www.nepalbank.com.np/interest-rate/interest-rate-on-loans-advances-floating-rate 6 | Sanima Bank | Sanima Professional Loan | 4.64% | 1.8%-3.5% | 6.44%-8.14% | 0.75% (min 2000) | n/a | 12-120 | 300000-10000000 | https://sastokarja.com/en/banks/sanima-bank/professional-loan | https://www.sanimabank.com/interest-rate 7 | Agricultural Development Bank | ADBL Professional Loan | 4.55% | 3% | 7.55% | 0.75% (min 2000) | n/a | 12-120 | 300000-10000000 | https://sastokarja.com/en/banks/agricultural-development-bank/professional-loan | https://adbl.gov.np/en/interest-rate/interest-rates-effective-from-bhadra-01-2083-17-august-2026 8 | Global IME Bank | GIBL Professional Loan | 4.65% | 3%-5% | 7.65%-9.65% | 0.75% (min 2000) | n/a | 12-120 | 300000-10000000 | https://sastokarja.com/en/banks/global-ime-bank/professional-loan | https://www.globalimebank.com/interest-rates/ 9 | Kumari Bank | KBL Professional Loan | 4.84% | 3%-4% | 7.84%-8.84% | 0.75% (min 2000) | n/a | 12-120 | 300000-10000000 | https://sastokarja.com/en/banks/kumari-bank/professional-loan | https://www.kumaribank.com/interest-rate-loans 10 | Siddhartha Bank | SBL Professional Loan | 4.84% | 3.25% | 8.09% | 0.75% (min 2000) | n/a | 12-120 | 300000-10000000 | https://sastokarja.com/en/banks/siddhartha-bank/professional-loan | https://www.siddharthabank.com/interest-rates 11 | Prime Commercial Bank | PCBL Professional Loan | 4.86% | 5% | 9.86% | 0.75% (min 2000) | n/a | 12-120 | 300000-10000000 | https://sastokarja.com/en/banks/prime-commercial-bank/professional-loan | https://primebank.com.np/pr1me4dm1n/uploads/interest/INT_Rate_Bhadra.jpg ## Notes - Sasto Karja is a comparison site, not a lender or a broker for any single bank. - We publish no reviews, star ratings or testimonials. - The rate a borrower is actually offered depends on the bank's own credit assessment. - Machine-readable index: https://sastokarja.com/llms.txt · sitemap: https://sastokarja.com/sitemap.xml · guides feed: https://sastokarja.com/feed.xml