Base Rate

All 46 A20 B13 C13

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RBB

RBB Rastriya Banijya Bank Class A — Commercial banks Spread 4.48%

4.24 %

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STD

Std. Chartered Standard Chartered Bank Nepal Limited Class A — Commercial banks Spread 1.81%

4.40 %

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EVE

Everest Bank Everest Bank Limited Class A — Commercial banks Spread 0.61%

4.57 %

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NAB

Nabil Bank Nabil Bank Limited Class A — Commercial banks Spread 4.37%

4.65 %

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NEP

Nepal Bank Nepal Bank Limited Class A — Commercial banks Spread 4.96%

4.78 %

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NIM

NIMB Nepal Investment Mega Bank Limited Class A — Commercial banks Spread 8.41%

4.90 %

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GLO

Global IME Global IME Bank Limited Class A — Commercial banks Spread 4.97%

4.95 %

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SAN

Sanima Bank Sanima Bank Limited Class A — Commercial banks Spread 3.99%

5.05 %

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ADB

ADBL Agricultural Development Bank Limited Class A — Commercial banks Spread 5.06%

5.06 %

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MBL

MBL Machhapuchchhre Bank Limited Class A — Commercial banks Spread 4.01%

5.14 %

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PRA

Prabhu Bank Prabhu Bank Limited Class A — Commercial banks Spread 8.84%

5.16 %

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SID

Siddhartha Bank Siddhartha Bank Limited Class A — Commercial banks Spread 3.71%

5.26 %

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NMB

NMB Bank NMB Bank Limited Class A — Commercial banks Spread 4.95%

5.27 %

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LAX

Laxmi Sunrise Laxmi Sunrise Bank Limited Class A — Commercial banks Spread 5.29%

5.28 %

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KUM

Kumari Bank Kumari Bank Limited Class A — Commercial banks Spread 6.94%

5.33 %

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CIT

Citizens Bank Citizens Bank International Limited Class A — Commercial banks Spread 6.82%

5.34 %

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GAR

Garima Garima Bikas Bank Limited Class B — Development banks Spread 4.77%

5.35 %

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PRI

Prime Bank Prime Commercial Bank Limited Class A — Commercial banks Spread 6.39%

5.42 %

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HBL

HBL Himalayan Bank Limited Class A — Commercial banks Spread 7.98%

5.45 %

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NEP

Nepal SBI Nepal SBI Bank Limited Class A — Commercial banks Spread 2.53%

5.49 %

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MAH

Mahalaxmi Mahalaxmi Bikas Bank Limited Class B — Development banks Spread 6.59%

5.77 %

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EXC

Excel DBL Excel Development Bank Limited Class B — Development banks Spread 6.59%

5.80 %

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MUK

Muktinath Muktinath Bikas Bank Limited Class B — Development banks Spread 4.88%

5.83 %

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LUM

Lumbini Lumbini Bikas Bank Limited Class B — Development banks Spread 6.49%

5.86 %

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SHI

Shine Resunga Shine Resunga Development Bank Limited Class B — Development banks Spread 4.92%

5.91 %

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SHA

Shangrila Shangrila Development Bank Limited Class B — Development banks Spread 7.87%

5.93 %

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KAM

Kamana Sewa Kamana Sewa Bikas Bank Limited Class B — Development banks Spread 4.40%

6.02 %

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JYO

Jyoti Bikash Jyoti Bikash Bank Limited Class B — Development banks Spread 7.83%

6.06 %

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MIT

Miteri Miteri Development Bank Limited Class B — Development banks Spread 0.48%

6.17 %

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ICF

ICFC Finance ICFC Finance Limited Class C — Finance companies Spread 2.68%

6.23 %

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NIC

NIC Asia NIC Asia Bank Limited Class A — Commercial banks Spread 8.85%

6.25 %

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MAN

Manjushree Finance Manjushree Finance Limited Class C — Finance companies Spread 3.99%

6.38 %

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GUH

Guheswori Finance Guheswori Merchant Banking & Finance Limited Class C — Finance companies Spread 6.37%

6.84 %

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GOO

Goodwill Finance Goodwill Finance Limited Class C — Finance companies Spread 9.86%

7.00 %

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GUR

Gurkhas Finance Gurkhas Finance Limited Class C — Finance companies Spread 17.71%

7.16 %

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REL

Reliance Finance Reliance Finance Limited Class C — Finance companies Spread 10.34%

7.30 %

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SIN

Sindhu Bikas Sindhu Bikas Bank Limited Class B — Development banks Spread 7.92%

7.48 %

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CEN

Central Finance Central Finance Limited Class C — Finance companies Spread 14.17%

7.57 %

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POK

Pokhara Finance Pokhara Finance Limited Class C — Finance companies Spread 34.34%

7.61 %

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PRO

Progressive Finance Progressive Finance Limited Class C — Finance companies Spread 5.58%

7.80 %

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NEP

Nepal Finance Nepal Finance Limited Class C — Finance companies Spread 14.32%

8.26 %

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MUL

Multipurpose Finance Multipurpose Finance Company Limited Class C — Finance companies Spread 7.44%

8.53 %

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BES

Best Finance Best Finance Limited Class C — Finance companies Spread 13.08%

8.89 %

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JAN

Janaki Finance Janaki Finance Company Limited Class C — Finance companies Spread 59.12%

9.71 %

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SAL

Salapa Bikas Salapa Bikas Bank Limited Class B — Development banks Spread 3.35%

9.94 %

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SAP

Saptakoshi Saptakoshi Development Bank Limited Class B — Development banks

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📅 Baishakh 2083 (April 2026) — Current data. Updated monthly.

The Base Rate is the minimum interest rate below which NRB-licensed banks cannot lend money. All floating loan interest rates in Nepal are calculated as: Loan Rate = Base Rate + Spread (Premium). Base rates are published by each bank at the start of every Nepali month and vary by institution based on their cost of funds, operating expenses, and CRR/SLR requirements.

How Is Base Rate Calculated in Nepal?

Per NRB Unified Directive, Nepal banks calculate Base Rate using this formula:

Base Rate = (Cost of Fund + Operating Cost) / (1 – CRR – SLR)

Where: CRR = 4.00% (Cash Reserve Ratio set by NRB) | SLR = 10.00% (Statutory Liquidity Ratio) | Cost of Fund = weighted average rate paid on deposits.

NRB Policy Rates — Baishakh 2083

Base Rate vs Loan Interest Rate

Banks cannot lend below their published Base Rate. The actual loan rate is: Loan Rate = Base Rate + Spread. Example: If RBB’s base rate is 4.36% and spread is 0.14%, home loan = 4.50%. Spreads vary by loan type and borrower credit profile, and are capped by NRB directives for certain loan categories.

Source: Individual BFI base rate notices published Baishakh 01, 2083 (April 14, 2026). NRB policy rates per FY 2082/83 Monetary Policy. Updated monthly. 📈 Use our EMI Calculator with current base rates to plan your loan.